23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Credit Karma had a data breach and my information was compromised. There are unknown inquiries, loans, and incorrect personal information. Im getting harassing phone calls, someone filed taxes using my information, loans taken out, and accounts created for credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - Return Order ( Order XXXX ) Label provided by XXXX  - Tracking # XXXX ) UPS XXXX - Equipment returned to XXXX via XXXX ' Postal using return label provided by XXXX  XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter from XXXX requesting payment - {$290.00} XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter from XXXX XXXX  Final Notice. '' - {$290.00} XXXX - Letter to XXXX XXXX disputing charge - {$360.00} - {$360.00} XXXX - Accessed Experian Report # XXXX XXXX XXXX Received letter from XXXX  - claims to have " verified the information with the original creditor. '' - {$360.00} - {$360.00} XXXX - Email to XXXX  disputing charge - {$360.00} - {$360.00} XXXX - Received phone call from XXXX  - Asked them to call back in a couple of hours -- they agreed but never called. 
XXXX - Email to XXXX regarding their " response '' to Experian. 
XXXX - Opened dispute on Experian Tried tracking shipment -- XXXX could only track back 18 months. All they could tell me was that it had been delivered. Credit Score dropped almost XXXX points with this " collection. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies LVNV Funding LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My accounts were always on time! With XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

On XX/XX/year> I contacted Midland Credit to resolve associate collection i had with my XXXX XXXX XXXX  Credit card to help improve my credit. 

In the past a they've have a collection in my name from XXXX XXXX with they stated was for furniture. I disputed it because I have no knowledge of that account. It was also so long ago that that can't even report. 

They knowingly took my money I paid for the XXXX XXXX XXXX card and put it on an account that doesn't belong to me. 

This is hindering my credit and my money shouldn't have went towards an account that I never approved of. 

The guy on the phone kept repeating the wrong amount from the account I was trying to pay because he knew that he was intentionally crediting the wrong account.
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report. completion.
Product: Credit reporting or other personal consumer reports

I applied for insurance. I was denied due to multiple claims that appeared on my report. 


I do not any claims besides one from Florida, after XXXX  There are multiple showing under my name in Missouri. I tried calling them and there is no way to talk to anyone to help rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on   XXXX   XXXX  , 2017 in regards to Leading Edge Solutions submitting inaccurate information on my credit report. CFPB received a response from the company advising them that the complaint does not belong to them. As you see, I 've attached a copy of my credit report which you can clearly shows Leading Edge Solutions is reporting on all  XXXX  credit reporting agencies. Being that Leading Edge Solutions has stated complaint does not belong to them, the company should comply with my request to delete the information from my credit files. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PURCHASED XXXX XXXX IN XX/XX/XXXX AND THE CREDIT LISTING REPORTS 1 ( 30 ) DAY LATE PAYMENT ON CREDIT REPORT IN XX/XX/XXXX. HOWEVER, EXPERIAN LISTS LATE PAYMENT AS XX/XX/XXXX ... .I HAVE SIGNED DOCUMENTATION TO SUPPORT PURCHASE OF VEHICLE XX/XX/XXXX ( ATTACHMENT ) ; I ALSO WAS ON AUTO PAYMENT FROM IMMEDIATE PURCHASE. I NEED LATE PAYMENT ( S ) REMOVED AS IT IS INACCURATE.
Product: Mortgage

Our hardship began when the settlement company failed to pay for our hazard insurance when we purchased our home in XX/XX/2019, along with a miscalculation of our escrow payments. We were not aware of the settlement companys failure to pay the hazard insurance premium until our monthly mortgage payment went up by about {$400.00} in XX/XX/2019. 

We were making the monthly payments of {$870.00} until XX/XX/2019 when our payment went up due to force placed hazard insurance being added. The annual premium for the force placed insurance costs {$2800.00} ; whereas the hazard insurance we secured costs {$390.00}. We have provided proof that our chosen insurance should have been in place. We have since discovered that the original escrow amount was calculated incorrectly, as well. Now, instead of a monthly payment that was affordable we are faced with a corrected payment that will about {$250.00} more each month which will make it a very real challenge to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have been an XXXX XXXX Credit card member since XX/XX/22. I have a XXXX credit card limit and never missed a payment since now in XXXX as they reported. I have never had an issue with this small obligation monthly compared to my bigger debts. 
The month of XXXX was a very volatile month for me and my family, I had to pay a XXXX debt off, then a XXXX debt off in XXXX. 
Also, My personal accounts were getting excessive charges and fees that I had to investigate and get under control with my banks. My XXXX Credit card autopay must've returned back while processing while I was advised from my banks to freeze card for a periodic time. 
I did not know it would cause me to get a XXXX LATE PAYMENT Inquiry on my report, it was never my intention to not pay a XXXX $ monthly obligation. 
Once i noticed my credit report was affected in XXXX I sent a letter to XXXXXXXX XXXXXXXX Explaining it was an error and to have the inquiry removed or updated to PAID AS AGREED. 

My BANK DID TAKE THE MONTHLY PAYMENT FOR XXXX BUT IT MUST'VE REJECTED WHILE PROCESSING WHILE ADVISED TO FREEZE ACCOUNTS PERIODICALLY. 
THIS ISSUE IS EFFECTING ME AND MY FAMILY CLOSING UNDER CONTRACT AND I AM ASKING TO BE FORGAVE AND TO GET THIS REMOVED ASAP FROM MY CREDIT REPORT OR UPDATED TO PAID AS AGREED PLEASE. 

I HAVE ALSO PAID MORE OF THE BALANCE DOWN TO SHOW GOOD FAITH OF LIFE AND THINGS HAPPEN BUT MY INTENTIONS WEREN'T BAD. I NEED THIS OFF MY REPORT TO FINISH MY VA HOME LOAN PROCESS PLEASE.
Product: Credit reporting or other personal consumer reports

I have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x XXXX  httpXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXXXXXX  to Currently date XX/XX/XXXXXXXX  This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. I sent the company all the information and the still refuses to lift the suppression
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and found two accounts that don't belong to me XXXX XXXX for {$1600.00} date open XX/XX/year> and XXXXXXXX XXXX XXXX for {$250.00} date opened XX/XX/year> debt buyer is XXXX XXXX .according to the 15 usc 1681 law, there should not be any damages on my report is a defamation to my character.
Product: Mortgage

The company sold my mortgage and did not release the title so it shows as two mortgages which I do not have. I have never had two mortgages on my home. I want it corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  client XXXX XXXX is a victim of identity theft. She has experienced ongoing issues of fraud using her SSN without her consent. She previously placed an extended fraud alert on her credit reports however she took the additional measure and placed a credit freeze with the bureaus. Of the freezes Experian has not provided her any information concerning receipt of her request that was mailed certified, return receipt ( USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX   received XX/XX/2018 ). In an effort to contact Experian, she called the number for the customer service for Experian ( XXXX ) and even though the number was supposed to allow contact to a live operator, no such contact was ever made. Experian has not given an update as to the positive confirmation of receiving the request for credit freeze on behalf of my client nor have they provided a PIN needed to initiate and remove the freeze. This action is a violation of the FCRA and my clients consumer rights.
Product: Checking or savings account

Hello, My name is XXXX XXXX I recently purchased a cashiers check from the XXXX and XXXX location in XXXX De, the fee was {$8.00} the amount was XXXX written out to XXXX XXXX  I was informed I needed 2 separate cashiers check to go back to chase I went Tuesday XX/XX/12 the same teller had me sign the cashiers check her manager XXXX whos the branch manager came over wrote on the check not used for intended purposes and told me my funds would be available the next day. Today is that the funds are not available I was told to call XXXX option XXXX cause it was hold on the cashiers check they would remove it, I waited on hold 1hr and the representative got back on and said my account is being restricted and closed not sure no answers and the branch hasnt returned my call. These funds was for me to close on a property yesterday and I really need the balance no one could give me any reasons and at this point I just want my funds released and to be done with chase. I was at the Branch on Tuesday for 40 min while the branch manager XXXX attempted to assist me and today I spent an hour on hold to be told My account is being closed. Please help this is holding my funds hostage. 


XXXX XXXX Sent from XXXX for XXXX
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC1681 section 602 states '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect theprivacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX  ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : by the written instructions of the consumer to whom it relates. '' ( ) The financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX ( XXXX XXXXXXXX ), whether verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " ( XXXX XXXXXXXX ) Neverinformed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which Is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting SERVICES account amount {$1100.00} date open XX/XX/ ACCOUNT AMOUNT {$1100.00} date open XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. XXXX XXXX I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? Please update and correct my account right away. 

XXXX XXXX XXXX XXXX XXXXXXXX ....
Product: Debt collection

I have been paying on a debt that i thought was XXXX XXXX  only. when i questioned the debt collector company they told me the debt is for discover and an auto loan. I've never purchased a car nor have I ever signed or given authorization for my name to be used to purchase a car. In between XXXX & XXXX my purse was stolen with all my identification & credit cards. I made a police report back then police say that report is not in their computer system. I went to the DMV for them to print up any Titles that were ever issued in my name. They told me I have to give the vehicle vend number of the car that I never purchased and the only Title they show in their system for me is what I'm driving now which is a XXXX XXXX with almost XXXX XXXX miles on it and it was a gift to me. Please help this old lady fix this problem.
Product: Mortgage

I filed for a forbearance with XXXX Mortgage which will end on XX/XX/22 I received a court document stating that the full amount of XXXX must be paid on XXXX or they will start foreclosure proceedings My lawyer agreed to this without my consent I was unaware that there was a court date My lawyer advised me to pay the amount due or let XXXX take the home
Product: Debt collection

XXXX XXXX I verbally filed a complaint about daily harassment calls with FTC Consumer Fraud Division File XXXX XXXX XXXX XXXX on ERC Debt Collection Agency. A recorded message asking for " XXXX XXXX re claim XXXX XXXX. If I am not XXXX XXXX disregard this call if I am call XXXX XXXX XXXX. '' On XXXX XXXX I talked with a ERC rep and told them I am not XXXX XXXX and to stop calling. ERC continues to call daily. 
Times : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This is to update you with more info re my complaint # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I faxed, emailed, upload documentation on Experian 's website proving that XXXX XXXX was paid in full. XXXX XXXX has contacted Experian directly, and Experian still refuses to remove the incorrect information. XXXX  and XXXX have updated my file with the correct information from XXXX. Experian refuses to do so. I disputed this back in XX/XX/XXXX and they refused to correct my file. Today XX/XX/XXXX, I went online and did another dispute 19 minutes after I submitted, I receive an email from Experian stating that my dispute was completed and updated. I logged in and nothing was changed nor updated. The same incorrect information is showing. Here is the report number:XXXX. There is no way that they researched my dispute in 19 minutes. I have proof that this account is Paid In Full since XX/XX/XXXX. Experian is the only credit reporting agency that is not doing their job.
Product: Student loan

In XXXX 2016 I renewed my application for my IBR plan. I was aware that my new income would increase my payment, but was expecting to hit my standard payment maximum that was given to me in XXXX 2016. Navient processed my information incorrectly and is trying to get me to pay significantly more per month than I should have to pay. From the studentaid.ed.gov the cap on my payment amount should be " Never more than what you would have paid under the Standard Repayment Plan with a 10-year repayment period, based on what you owed when you entered the IBR Plan. '' However, Navient representatives were claiming that I no longer qualified for the plan and would have to reapply and receive a new level payment. Some representatives even told me that I would have been better off not reapplying for the IBR plan and just letting my application expire. All of this seems like gross incompetence. 

After many calls I was able to speak with a supervisor who confirmed that I was incorrectly placed on a new level payment plan and should instead be paying my standard payment maximum given to me in XXXX 2016. This was a relief as this was the first person in a month who I talked to that seemed to know what was happening. 

I was told that my case was going to the processing team to be fixed and that I would be contacted by her soon. A week went by with no contact, so I reached out only to be able to leave a voicemail. After not receiving a response I called back on the general Navient line only to be told I should wait, that supervisors always respond to their voicemails. I waited two weeks, and then called back on the general Navient line, and through many hoops I was told that my case was being worked on. Wonderful! 

Today I received contact from Navient. I was hoping to see that my plan was fixed only to see that they had incorrectly processed my plan again, for a new HIGHER payment than my previous one. So after two months, many calls and complaints, and confirmation from a supervisor that my plan is was incorrectly processed nothing has been resolved.