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

I have filed a FTC complaint, and Transunion still refuses to remove the items listed in the complaint. FTC report # XXXX Please remove the items IMMEDIATELY ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX  XXXX XXXX {$71.00} XXXX XXXX XXXXXXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX INQUIRIES-HARD XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SOFT INQUIRIES XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXXTRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX who is XXXX Visa I tried to do a credit increase they said my report told them my usuage on this card is too high My issue with this credit company they have not reported my card Since XXXX of XXXX I have also ask of them to remove the late from XXXX because it was covid I need them XXXX equifax ans XXXX to rescore my credit I lost XXXX points with this company I have paid this card off several times in the past 3 months that has not been reported.
Product: Credit reporting or other personal consumer reports

Experian IN REGARD TO THESE XXXX  XXXX ACCOUNTS # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT.

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute.

The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that Experian is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes Improperly reinserting inaccurate information on consumer reports Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach- Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed 4 different letters to all 3 credit bureaus asking for validation of a collection account ( XXXX XXXX XXXX  ) that is reporting on my credit that I have no idea what it is. I have yet to receive a response showing proper validation that it is my account and it's not removed. This account isn't mine yet they won't remove it.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment regarding your recent claims concerning my accounts. I firmly reject these claims based on the fact that you lack substantial material evidence to support your assertions. As a result, I strongly urge you to promptly commence a comprehensive investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and hold the potential to cause severe harm to my creditworthiness. It is of utmost importance that we address this situation swiftly and accurately to prevent further repercussions. 

Furthermore, I want to emphasize my strong rejection of your decision to decline my identity theft claim. The authority to determine whether I have been a victim of identity theft does not reside with your organization but with established legal processes. Your authority or legal standing does not grant you the right to make such a determination on my behalf. 

If you persist in declining my position, I am prepared to take legal action by contacting my attorney to seek a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the law. 

XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a recent credit report and have seen major errors in the information that is being furnished. Please be aware that I have only ever lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Again, the following addresses are not valid and have not been my place of residence and I need your assistance in making sure that these errors are rectified : XXXX XXXX Av, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, NY XXXX Thank You
Product: Student loan

I wrote Fedloan to request that they remove late payments from my credit report on XX/XX/2019 due to inaccurate payment history and that was reported inaccurate. The company responded to me on XX/XX/2019 which is past 30 days stating my credit adjustment was denied. I also sent a goodwill letter to this company on XX/XX/2019, but they didn't seem to care about their customer report and I was denied again. They didn't work with me or try to get things right, nor did they want to fix their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XXXX XXXX XXXX  but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is with Experian. I made numerous calls to them about this issue and nothing has been done. Because of this my credit score is horrible. This past XXXX I had 2 inquiries on my report that were to be removed and they never were removed even though these two companies sent letters to Experian telling them to remove the inquiries. I called Experian and spoke to someone and he was rude and told me I had to go on line to fo it. I tried and it said I had to call. I then filed a complaint with the XXXX XXXX XXXX  and Experian will not get back to them.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. After reviewing my credit report, I have identified late payments recorded to my accounts. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. 
XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the XXXX XXXX customer service representative. 
I understand the need for accuracy and fairness in credit reporting, and I appreciate your attention to this matter. I kindly request that you investigate and update my credit report accordingly. 
Thank you for your prompt attention to this matter, and I look forward to a positive resolution.
Product: Money transfer, virtual currency, or money service

Starting in XXXX of 2020 when I switched phone with my wife I lost the ability to authenticate my account with coinbase.com. Since then I have submitted six cases to their customer support and nothing has been done. I don't know what the motivation behind their actions or inactions are but it seems fishy.
Product: Debt collection

XX/XX/2021 Got a call from this business ... I have never heard of them! XXXX XXXX XXXX  The customer reps keep calling me ( several times in a few hours ) and I have no idea what they are calling about. They want me to give them my information to verify myself. I verified my name, but I will not verify my address. They won't tell me what they are calling about until I verify my address! They threatened me with the line that " this is being recorded ''. They are very rude and I will not be bullied into giving them my personal information because they are recording the call. They said they already have my information ... then why do they need me to verify it. They said they need to make sure that this is the correct person with my name ... what are the odds that a person with my name would have my same phone number, yet not be me? Crazy..I want the harassament to stop!
Product: Debt collection

This notice is to inform you that NATIONAL CREDIT ADJUST has unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F that went into effect XX/XX/2021, NATIONAL CREDIT ADJUST has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. I sent them a Cease and Desist letter over a month ago and they are still calling and harassing me from a lot of different numbers throughout the day and evening. I do not know who they are. They have not provided any required documents or contract to prove that I owe them anything. This harassment needs to stop. They have no permissible purpose by law to contact third parties with my private or personal information
Product: Debt collection

Portfolio Recovery Associates tried to sue me in 2015. The suit was dismissed in court. However they have for several years since, tried to contact me several times, by phone and by letter, trying to get me to pay the debt. I have asked them several times to stop contacting me and they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2023 -Unauthorized Inquiry XXXX XXXX XXXXXX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Student loan

I 've had nothing but poor service. I get statements that are incorrect, I get statements that ca n't be deciphered, I get undocumented phone calls and requests that never go through. I 've been put in delinquency twice after being told twice over 5 months that my forebearance while my new payment plan is being approved would go through. I 've requested forebearance during this time over the phone and email. I 've been told my public forgiveness did n't count for a year because of cents being miscalculated in my payment while nobody told me. I 've been through the ringer so many times that a customer care agent was assigned to me who never responded after about a month. I 've complained so many times without even a response. I 've tried Ombundsman without any success. This company is completely incompetent at everything they do and I do n't trust them one bit with my money. The communication is terrible at best, the responses are even worse, and the amount of mistakes they make that can lead to severe financial problems is astounding. The fact this company still runs is amazing to me. I 've requested several times to have my money transferred to a different servicer without any luck which is fundamentally absurd. I can go on and on and on. I want something to be done!
Product: Checking or savings account

Opened a Chime Checking Account with the special terms of getting {$200.00} bonus for opening the account and then another {$100.00} if I referred someone who also opened an account. 

I opened and funded the account and only received a {$100.00} bonus. I referred someone else and received that {$100.00} bonus. However, still missing the other {$100.00} of the initial {$200.00} bonus. 

I received an email from Chime stating the initial {$100.00} sign up bonus had been elevated/increased to {$200.00} yet they have not honored it. 

Contacted Chime and was told they would look at the back end and never heard back.
Product: Vehicle loan or lease

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with UNITED AUTO. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on UNITED AUTO. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate and MUST be deleted from my Credit Report.
Product: Student loan

1. XXXX XXXX XXXX my loan was discharged in full. Nelnet still shows it being owed in full and they are showing me with 2 months of non-payment and interest accruing. 
Nelnet. When you email them after a week or so you get a reply stating " we're too busy to reply to your email sorry ''. Been emailing since XX/XX/XXXX. 
Have called several times starting XX/XX/XXXX, yesterday was on hold for 2 1/2 hours to speak to supervisor and they said " we see the letter and we agree your loan is discharged but another department updates the balance due and we're having issues right now making that work '' ( keep in mind it's been since XX/XX/2023 ). I asked the supervisor if it was going to be weeks or years until it's resolved and she said " she has no idea ''. She said she would personally take it on and look into this specific case and see if she could fix it and would call me back today... .that was XXXX days ago. 
2. Studentaid.gov - supposed to be the safety for issues like the one above with Nelnet. They are actually worse, Nelnet will answer the phone after an hour or two, Studentaid.gov number just hangs up on you saying " we're super busy, try again anotehr time ' ... and that has been the response for months now. When you fill out the compliant form on Studendaid.gov you get an email response with a case number and the statement " you will recieve a reply typically within 15 days ' ... .the case I filed in XX/XX/2023 was just closed with no response or reply at all. Same when I thought it was a glitch and filed again in XXXX ... .they just delete them to get the numbers down and don't actually do anything. 
So here I'm stuck with a loan servicer that can't reconcile my loan balance after almost 3 months, a supervisor that lied about a callback and solution, multiple multiple hours on hold ... .late payments going to show up on my credit report and the government safety net Studentaid.gov is complicit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX added a inquiry on my account for XXXX .I did not authorize this. I do n't understand how I could have a fraud alert on my account and keep receiving inquiries from this bank
Product: Credit card

The company, citi, refuses to correct duplicate charge on my account made by wash laundry on  XXXX   XXXX   2017. I have  called in a number of times as well as submitted the request through my account on line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax showing that I'm XXXX XXXX XXXX XXXX XXXX as in the fifth also requested to remove my freeze FTC new law saids they have a time frame it's been 3 weeks I'm sure it's not that long all FCRA violation
Product: Checking or savings account

I am submitting a formal complaint against Navy Federal Credit Union concerning the numerous overdraft fees I have been assessed. Despite having ample funds in my account at the time transactions were approved, I incurred fees due to delayed posting of charges and credits. This situation mirrors the recent findings by the CFPB regarding Navy Federal 's similar practices, where transactions were processed with insufficient funds despite initial availability. I find these practices to be unjust and respectfully request a thorough investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

You obtained my credit report from XXXX XXXX XXXX on XX/XX/year> and the inquiry was coded as if I had applied for credit, insurance, housing, etc. You also failed to respond to my request for your permissible purpose which you received on XX/XX/year>. I can only assume now that you had no permissible purpose. As your legal department knows, civil liability in this matter is {$1000.00} in damages. I am offering to settle this matter as follows : Permanently delete the inquiry, or overnight me a cashier 's check for {$1000.00}. I will give you 20 days to make a decision. 
XXXX XXXX XX/XX/year>.
Product: Vehicle loan or lease

I made my payment every month, they claim payment was late on multiple occasions. First I had a extension due to COVID then the Texas freeze. Therefore, late payments should not have been reported as agreed. TD AUTO FINANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report XXXX  XXXX XXXX XXXX {$1600.00} XXXX XXXX {$9000.00} XXXX XXXX XXXX XXXX {$500.00} COLLECTIONS XXXX {$160.00} XXXX XXXX {$1500.00} XXXX XXXX {$580.00} XXXX  XXXX XXXX {$330.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX {$940.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 32 collection accounts on my credit report with Equifax that I have disputed. I am not aware nor do I have a contract with these credit collection agencies. I disputed the accounts with XXXX XXXX and XXXX who removed the fraudulent accounts but Equifax verified electronically in one day the information was updated. These collectors did not validate the accounts with me nor sent any proof so what did they send Equifax besides a form checked off saying the account is mine. Equifax isn't valdiating these accounts. I disputed twice XXXX and XXXX.