23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,, XXXX, XXXX,, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts and inquiries below removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I asked them over and over again to stop harassing me ... .I don't owe anything!!! This is not my account or debt. And this making my life a living XXXX. It's very stressful for me and my family. The amount is {$1300.00} that's reflected on my credit report. I've received at least 8 calls per day. I'm at a point where I will be changing my number.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to COMENITYBANK/JARED due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XXXX/XXXX/XXXX XXXX XXXX tried to collect a debt of {$1600.00} from me. This is the wrong amount it was only {$1000.00}. They also have been sending me letters for 3 years threatening me.
Product: Student loan

This is a complaint about both payment allocation and loan servicing customer service. After absentmindedly missing a payment I paid the full balance the following month, and, on a subsequent login to Navient 's website, the limited information available to me on Navient 's website showed that Navient had allocated the payment nearly equally between principal and interest ( allocation in prior month 's was about 70/30 principal/interest ). The information available to me on Navient 's website did not reflect allocation of payment to any fees. 
I submitted a request through Navient 's website for information regarding Navient 's calculation of the allocation. It took several days to get a response to this inquiry, and Navient 's answer was mere boilerplate - Navient 's answer referred me to the Promissory Note, without indicating specific sections or language, and without providing any analysis applying the terms of the Note to the allocation of payment to interest for my specific loan. Navient 's answer did not state that they had charged any fees. Meanwhile, Navient continues to charge interest. 
Although I submitted a new message through Navient 's online messaging platform, Navient 's messaging platform does not allow borrowers to " respond '' to communications from Navient, which unnecessarily interrupts the continuity of communications and tends to make it more difficult for borrowers to get answers from Navient and to restore their loans to fully paid-up status ( i.e. to make payments without fear of misallocation ). 
The lack of information about my loan on Navient 's website, Navient 's failure to provide information on request, Navient 's failure to respond timely to communications through their website, the fact that Navient does not provide a messaging platform that allows for cumulative correspondence in " threads, '' and the fact that Navient continues to charge interest during attempts to communicate about the loan all tend to suggest that Navient abusively inflates interest charges by delaying resolution of borrower questions to facilitate future payments.
Product: Debt collection

I was a XXXX customer for XXXX years. I contacted them to at the latter part of a contract renewal to upgrade to XXXX. The technician came and installed used standard boxes ( XXXX ) and left the existing dish ( standard ) on the roof stating it was fine. I notified XXXX of these aforementioned events and they sent XXXX different technicians to remedy problem over the course of XXXX weeks. After reaching a new high point of anger I cancelled service and sent all equipment back. XXXX was paid to date for usage and went with XXXX. XXXX started billing me for the remainder of the contract for which they breached. After several attempts to remedy the billing issue they sold the debt to a collection agency who also was unsuccessful in their attempt to collect what I feel was not my debt. This company called XXXX times a day on my residence, business and cell phones. They chose after 3 years to post the debt. I am the victim of an unscrupulous employee of XXXX and I have to fight a battle for my innocence. I feel this is unjust and was told to contact the CFPB on this matter. I feel I have a pretty good credit rating and for this company to be allowed to post this just does not seem right. Thank you for your time on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number XXXX then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights XXXX XXXX  XXXX has stated in a documented letter of their inaccuracies also included my personal info and id to show im not XXXX XXXX this is on m acct inaccurate I also added Sectary of State XXXX XXXX
Product: Debt collection

on XX/XX/2018 i was charged {$1600.00} for ambulance services, i have never been in an ambulance. i tried to clear it with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX to no avail, they refuse to take it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several disputed accounts, and companies are not reaching out
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXXXXXX XXXX XXXX XXXX {$7800.00}.
Product: Credit card or prepaid card

Re : Barclay 's XXXX XXXXXXXX XX/XX/2022 I purchased a week of XXXX XXXX XXXX for my son for {$95.00}. 
XX/XX/2022 Per XXXX  policy, I sent notice of cancelation within guidelines. 
XX/XX/2022 XXXX stated they would refund. 
Refund not on account. I called Barclay 's to dispute. They removed the charge to research. 
XX/XX/2022 2 charges of {$95.00} for a total of {$190.00} from XXXX XXXX were billed back to my account. XXXX said they don't have any re-bills. Barclay 's won't remove charges that are now double. I have XXXX conversation in writing. Barclay 's claims they do not have email to forward conversation. No one is stepping up to fix and now I am at risk of credit score dropping if I don't pay a double charge that should have been refunded 6 months ago. I have called Barclay 's multiple times and they run around in circles. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent documentation to have this bankruptcy that is incorrect on my Transunion credit report removed. The bankruptcy on my Transunion credit report could lead to further damage to my credit report. I have sent a certified Ftc affidavit, and the response I got from the bankruptcy courts to Transunion. Transunion stated they " VERIFIED '' the bankruptcy with the courts and that is false and a lie. I have attached the letter that was received from the bankruptcy courts stating they DO NOT/DID NOT VERIFY report to credit reporting agencies nor do they report to third party agencies. Transunion response is false and a lie! I have attached the response I received from the bankruptcy courts with this dispute. Remove the erroneous/incorrect bankruptcy from my Transunion credit report. As a consumer I take pride in making sure my credit is correct. I will be seeking legal assistance if this issue is not resolved! Civil penalties, including nominal damages, actual damages ( including emotional distress ), and punitive damages, plus attorneys ' fees and costs, may apply where there is " willful noncompliance '' with Transunion.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian XXXX XXXX for its repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) and protect my rights as a consumer. I have been subjected to an ongoing financial and emotional burden due to erroneous items on my credit report, as well as XXXX failure to properly investigate my disputes and address the consequences of a data breach involving my sensitive information. 

Here is a list of the accounts affected on both platforms. 

XXXX XXXX XXXX acct # XXXX - {$570.00} XXXX XXXX acct # XXXX - {$720.00} XXXXXXXX XXXX XXXXXXXX XXXX # XXXX - {$540.00} XXXX XXXXXXXX XXXX XXXX acct # XXXX - {$1100.00} XXXX XXXX XXXXXXXX acct XXXX XXXX - {$450.00} XXXX  acct # XXXX XXXX XXXX- {$1000.00} XXXX acct # XXXX - {$1200.00} XXXXXXXX XXXX XXXX XXXX # XXXX - {$3800.00} XXXX XXXX  XXXX XXXX acct - # XXXX XXXX {$150.00} XXXX XXXX  acct # XXXX - {$910.00} XXXX XXXX XXXX actions violate multiple provisions of the FCRA and other federal laws, including : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits consumer reporting agencies from including adverse items of information that antedate the report by more than seven years ( excluding convictions ). Experian XXXX XXXX has reported adverse items without my authorization, which is a violation of this law.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : States that a person shall not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Experian & XXXX has has reason to believe this information was inaccurate however never properly deleted the information. Which is in direct violation.

15 U.S.C. 1681e : Requires consumer reporting agencies to maintain reasonable procedures to ensure compliance with 1681c and limit the furnishing of consumer reports to permissible purposes under 1681b. Experian XXXX XXXX has failed to maintain these reasonable procedures. 
12 CFR 1016.7 : Grants consumers the right to opt out of certain disclosures at any time. I have previously sent in a request and never received confirmation. I am formally opting out of Experians & XXXX  reporting services yet again. 

I made them aware that if these issues are not addressed promptly and thoroughly, I will have no choice but to escalate this matter by filing a formal complaint with you the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action. 

I trust you will take this matter seriously and resolve these issues in accordance with federal laws.
Product: Debt collection

Transunion is a huge company that receives billions of dollars as a semi-free market company with near monopolistic and noncompetitive advantages and authorities. For justifying this massive uncompetitive standing and lack of oversight from any competitors Transunion needs to justify the billions they receive by addressing the needs of regular individuals in a timely manner. This falsely reporting information is having a massively destructive effect on me and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2020 after reviewing my personal credit report ; an unauthorized inquiry from COMENITYCAPITAL/XXXX XXXX located at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX showed on my XXXX   credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Equifax has Out dated, inaccurate information on my credit report. Two late charges, hard XXXX hard inquiries. My name is misspelled, addresses I never lived at. XXXX car loans paid off. Last time updated my information was XX/XX/year>. I asked Equifax to make the changes accurate. But they have ignored my request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the account ASAP!!!. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$3100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears on my credit report through ( rental credit and the XXXX, XXXX and transunion.com that I have a civil action form possession open through a court from XXXX XXXX XXXX XXXX this was placed into the bankruptcy in XXXX. but they keep reporting this information
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX. These accounts are Paid. The account status and payment status are incorrect. 

XXXX Account Number : XXXX TransUnion/XXXX/ XXXX XXXX Account Number : XXXX TransUnion/XXXX  XXXX. This account is purchased by another lender. It can not be twice in credit report. 

XXXX Account Number : XXXX XXXX. This account has wrong information. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX TransUnionXXXX
Product: Credit card

My previous complaint was not addressed with this company. I am asking for my account to be closed. Nothing mor, nothing less. I don't want any extra information I didn't asked for. I want my account closed, I have requested so in writing and over the phone. I would like to see in writing what federal or state law prohibits me from having my request fulfilled.
Product: Mortgage

I would like to file a complaint against PHH mortgage company. On XX/XX/XXXX I reached out to the company for assistance I spoke with a woman named XXXX XXXX XXXX who is with XXXX XXXX counseling to get back on track with our mortgage. We fell behind when my dad was very ill and I needed to take care of him. He passed away on XX/XX/XXXX. I reached out again on XX/XX/XXXX but never got any emails back until XX/XX/XXXX, stating someone will reach out shortly. On XX/XX/XXXX I was assigned to another counselor all documents had been submitted to her on XXXXFrom then until now paperwork had been submitted for mitigation. Documents were submitted to PHH, registration for assistance was updated on XX/XX/XXXX registration was received and approved on XX/XX/XXXX then on XX/XX/XXXX our Home was added to XXXX for auction on XX/XX/XXXX for over {$500000.00}. We owe only approximately {$250000.00}. I have all documents and emails going back and forth with both companies. PHH mortgage says they dont have enough time for mitigation stating they need 45 days and we submitted in 42 days. Therefore they can not work with us. Even though the process was started in early XXXX. Ive worked with XXXX other credit counselors at XXXX XXXX. PHH refused to help now because of the XXXX more days needed. We are requesting a postponement of the sale to allow a loss mitigation review to be completed. They will not answer or return my calls along with their attorney XXXXXXXX XXXX XXXX. PHH mortgage company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that has been on my credit report doesn't belong to me and has been hindering me from gaining a better credit file going forward. The account listed is fraudulent and I don't have a hand written signature with the reporting company, therefore it needs to be remove immediately from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. The late payment dates are as follows : XX/XX/2020 and XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

The is not Filed by a Credit Repair company and this not filed by 3rd Party. 

In Accordance with the Fair Credit Reporting Act XXXX  has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : USDOEXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX  XXXX Account Name : XXXX  XXXX XXXX Account # XXXX
Product: Student loan

I made a payment on XX/XX/XXXX of {$14000.00}, {$10000.00} was supposed to be applied to my direct subsidized loan while the remaining was to be applied to my XXXX XXXX loan. 
That same day I received a notice of a payment reversal of {$13000.00}. I never received the money back. And then on XX/XX/XXXX a payment of {$3800.00} was applied to the direct plus loan. I did not make that payment. I want to know where the remaining amount of my money is if it was not applied to my student loan amount which has now increased due to interest.