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

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

Dear XXXX Representative, I am writing to formally lodge a complaint against XXXX, a First Advantage Company, regarding your handling of my personal data, which has caused me significant harm. 

Your company has reported false information about me, information that is not guaranteed accurate by the court system. When I requested access to the sources of this information, I was met with refusal, leaving me unable to verify or challenge its validity. This reckless reporting appears driven by profit, disregarding the consequences to individuals like me. As a result, your actions have cost me a job, caused embarrassment, and tarnished my reputation. 

Despite following your dispute resolution process, I have received conflicting and unhelpful responses. Initially, I submitted a dispute letter as instructed, only to receive an email acknowledging the inaccuracy and asking what I wanted done. It is clear that the only reasonable resolution is to remove the false information from your records and correct it with your client. Yet, I was subsequently told to call a XXXX number to initiate another dispute. This back-and-forth suggests a lack of accountability and transparency. 

Your practices blatantly disregard consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which governs your business. I have not given permission for you to sell or collect false information about me for profit. Your companys profit comes at my loss, and I am certain that I am not the only victim of your negligence. 

Furthermore, your website is inadequate for addressing consumer concerns, and your customer service agents seem to lack basic knowledge of consumer protection laws, which only adds to the frustration. 

I demand the following actions : Immediate removal of the false information from your records and all associated reports. 
Confirmation in writing that the corrected information has been submitted to your client. 
A detailed explanation of the source of the false information. 
A review of your dispute process to ensure compliance with consumer protection laws. 
If these issues are not resolved promptly, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. I may also pursue legal action to recover damages caused by your negligent practices. 

Please consider this letter a formal request under the Fair Credit Reporting Act ( FCRA ) to investigate and correct the inaccuracies immediately. I expect a response within 30 days, as mandated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure how or why the Credit Reporting Agencies are allowed to violate the rights of consumers and completely disregard the Federal Laws. Or, why the CFPB does nothing to hold them in compliance or enforce the Federal Laws that they are supposed to. The three Credit Reporting Agencies are supposed to comply with the Fair Credit Reporting Act yet NEVER do! I have disputed inaccurate, incomplete and unverifiable information on my credit report several times and they do not investigate the items, claim that they do, and the creditors swear to me they are not reporting the information the credit reporting agencies are reporting. On top of that they DO NOT Respond with investigation results that is also required by the FCRA! I have sent a number of disputes by mail and they DO NOT respond with the investigations results even when I send the disputes by certified mail. When I contact them they XXXX  and say they never received a dispute after the XXXX XXXX confirms delivery. How is it that the Credit Reporting Agencies can completely disregard the Federal Law and violate the rights of consumers and the CFPB or the FTC do nothing to hold them accountable? 

I have disputed items that are reported different on all three bureaus, including payment history on accounts. One will have no history, the other will say perfect history and the third will show late payments. If all the information is coming from one creditor how come all three credit reporting agencies report the information completely different? I have disputed this and other inaccuracies several times including, dates, amounts and the status of accounts that are reporting completely different on all three bureaus. THAT IS ILLEGAL! All information must be 100 % Accurate, Complete, and Verifiable. I have disputed these inaccuracies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX and let the credit reporting agencies they are violating the law and I get nothing in response, they do not correct, complete or verify any information. I contact the creditors and they tell me they are not reporting the information the credit reporting agencies are reporting which proves they are not conducting investigations or complying with the Federal Law as required by the FCRA. They used to send a form letter stating they completed an investigation yet still report the inaccuracies the exact same way. In most cases you can just look at the account and see that what they are reporting is wrong yet they never correct it. Now they don't even respond at all. The FCRA states they are required by law to respond within 30 days, THAT NEVER HAPPENS, and now they don't respond at all! I can understand with COVID not being able to respond in exactly 30 days but to not respond at all is egregious! How are these corporations allowed to take advantage of consumers and report information that is untrue which is making it more difficult financially for Americans to recover from the financial crisis of a pandemic. The credit reporting agencies should be held accountable and hopefully the CFPB will do their job here.
Product: Credit reporting or other personal consumer reports

I have submitted disputes, which investigation took longer than 30 days.
Product: Student loan

Navient took over my student loan from Salle Mae when Navient split from Salle Mae in XXXX. I was struggling to repay my student loans - we currently have two boys with learning XXXX in private school so they have access to the tools they need for education. I repeatedly tried to work with Navient to lower my student loan payments. I even would beg and plead with them over the phone that I would pay what I could every month - XXXX to XXXX dollars, but I always got the same response " we are sorry but we can not work with you. '' Every time they wanted me to file for a forbearance which I did multiple times, each time approved by Navient putting me further into debt. Each time my loan would come up to start for repayment I would explain my situation asking for smaller payments I could make and each time I was denied and would be told to file another forbearance. In XXXX Navient told me I would need to refinance in order to be able to continue with the forbearance process, not allowing me to pay what I could. It even got to the point where Navient customer service told me it would be better to miss payments because it could take up to 270 days before the loan would go into collection. I feel like I was totally taken advantage of. Navient steered me toward multiple forbearances instead of income-driven repayment plans while continued to struggle. I also believe that Navient was providing compensation that incentivizes its team to get borrowers off the phone as quickly as possible. I understand that there has been a settlement with Navient for private student loans, but they also deployed the same tactics here for my federal student loan. I am sure there are other borrowers out there in the same boat as me. How can a loan for an in-state University in XXXX cost over {$100000.00}? How can this happen to a student that at the time was XXXX XXXX XXXX in XXXX? I am pleading for help with this situation.
Product: Payday loan, title loan, or personal loan

I have a personal loan with First Heritage and I am behind on payments because of financial problems. I have spoken with the company that I will make a payment on XX/XX/XXXX-20. THE PROBLEM IS I TOLD THE COMPANY I CAN NOT RECEIVE CALLS AT MY JOB BECAUSE MY JOB DO NOT ALLOW PERSONAL CALLS AND THEY ARE STILL CALLING ME AT MY JOB AFTER I HAVE REQUESTED 4 TIMES FOR THEM NOT TO. WILL YOU PLEASE CONTACT THEM AT XXXX AT TELL THEM IT IS THE LAW THEY CAN NOT CONTINUE TO CALL ME AT MY JOB IF I TOLD THEM NOT TO OVER AND OVER AGAIN. THE ADDRESS IS FIRST HERITAGE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX. THANKS, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER THE FCRA LAW I would like the following inaccurate items removed from my credit report immediately. 

The following Name, Address, phone # & Social security # are NOT mine and would like them removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA 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 This address has pertained to a business : XXXX XXXX XXXX XXXX LA XXXX. 
RETAIL TRADE BUSINESS : XXXX XXXX XXXX, XXXX, LA, XXXX. 

THE ABOVE ADDRESS IS NOT MY BUSINESS. 

FCRA violation
Product: Debt collection

To whom it may concern, I pulled a recent credit report XX/XX/XXXX that showed fraudulent accounts listed. I'm not sure how my credit was compromised. I can only assumed this happened back in XX/XX/XXXX based on the oldest account listed on my credit report. Somehow, someone was able to gain access to my personal credentials. 

I was instructed by the major credit bureaus to file a police report and to put a freeze on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy on my credit reports back in the begging of the year. On XX/XX/XXXX I sent a letter to the XXXX Federal Court ( US Bankruptcy Court ) in regards to how they verify Bankruptcy to the Credit Reporting Agencies ( Experian, XXXX, and XXXX ). I received a letter back from the court on XX/XX/XXXX stating that they do not provide information to credit reporting agencies. On XX/XX/XXXX I sent the letter from the court along with my letter asking them to validate this information with the Bankruptcy court and provide me with copies of any documentation associated with this account bearing my signature. They did not provide the information requested in the time allotted as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

I XXXX XXXX file this complaint against a collection agency that acquired information on me from a situation I faced back in 2007. The original company called XXXX XXXX XXXX has lost all legal ability to collect on a debt that was never owed in the first place. My information was acquired through a debt collection pool that has been scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. Under the Fair Debt Collection Practices Act a debt of this nature must be 100 % validated. Fair Collections and Outsourcing has shown no proof of ownership or the approval to collect a debt by legal statute. The legal timeline if one was ever necessary has passed by this time. What Fair Collections and Outsourcing is doing is holding my credit report hostage, even though they have no right to attempt to collect on this credit item in the first place. I believe that this collection agency should be sanctioned for this illegal activity. Accordingly, I demand this extended collection be deleted immediately and permanently from all pertinent credit reporting agencies. This agency was required to show proof from the initial procurement of the collection. That right was never protected on my behalf. The maintaining of this collection on my credit bureau seriously violates the Fair Credit Reporting Act. I demand its deletion immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

M y credit score is affected by " the number of delinquent accounts '' which does n't make any sense to me. I do n't remember having a late payment in recent history. In fact, my FICO repo rt shows that I 've made 100 % of my payments on time in the last 24 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have been a Member of PenFed Credit Union since XXXX. I have paid for all XXXX of the previous products I borrowed on time and in full. However, when I applied for a debt consolidation loan, I was denied because I failed to pay back my previous loans on time. This claim is false ; at the time of my application, PenFed obtained my Credit Report from XXXX, and my XXXX score was XXXX points with XXXX derogatory marks. 

When I contacted PenFed, a customer service agent ( XXXX ) and his supervisor informed me that the underwriting department had notes on my account to revoke me for a credit card and I'm only eligible to get a personal loan with a co-signer even though my debt to credit ratio is less than 5 %. The agent also informed me that I was flagged as high risk because I have filed disputes with the credit bureaus for holding Penfed accountable for reporting accurate information, which is still present on my XXXX report. 

The internal notes left on my PenFed account are misleading and preventing me from obtaining access to capital from the Pentagon Federal Credit Union even though I am financially stable and qualified to receive loans and products.
Product: Credit reporting or other personal consumer reports

ACCT # XXXX XXXX BANK Verification demand letter was sent out to all XXXX credit companies. TransUnion responded back verified without any additional information,
Product: Checking or savings account

In XXXX I had the money in my account for 2 automatic payments and they didnt pay them right away, leaving me with a negative balance which. They charged me over draft fees for
Product: Credit reporting, credit repair services, or other personal consumer reports

According to law 15 usc 1692j section 807. I'm requesting you to validate debt. With my signature, contract date and my social security on file. If, not please delete from my credit report.
Product: Debt collection

I made a loan with XXXX XXXX and it was collected in 2019 by GLOBAL TRUSTS And they are still fighting to delete my negative account and you do not TAKE ACTION IN THE CASE, what is happening???
Product: Credit reporting, credit repair services, or other personal consumer reports

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 THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE
Product: Credit reporting

I saw in my credit report that is from 'Trans Union XXXX File Number XXXX, report created date XX/XX/2015I had never owed to XXXX, XXXX and Original creditor XXXX, I had never paid to anything to collection. This balance paid on time to original creditor never late. So my credit report has incorrect information.
Product: Debt collection

I am writing to you with a matter of utmost urgency and concern regarding fraudulent accounts that have stained my credit report. Despite previous disputes and attempts to rectify this issue, these fraudulent entries persist, adversely affecting my creditworthiness and, consequently, my ability to provide a better opportunity for my family. 
XXXX XXXX XXXX XXXX XXXXXXXXPLEASE DELETE!!!! 
It is disheartening to see the continued presence of this fraudulent account on my credit report, considering the significant efforts I have made to prove their illegitimacy. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and I am confident that your bureau will take immediate action to address this matter.
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 : Account Number : XXXX Account Name : XXXX XXXX  XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach and, as a result, several unauthorized accounts and inquiries have been placed on my credit report. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries listed below, which are a direct result of the data breach, be blocked and deleted from my credit file. 
The following accounts have been fraudulently opened in my name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had several items incorrect on my credit report. There were 3 additional names that were not my own that were on my report, including several additional addresses, phone numbers, and accounts put in collection. Incorrect date of birth, incorrect employment data, and incorrect supplemental information. In addition they showed a high amount of hard inquiries on my credit report. None of this incorrect information is on credit reports through the other agencies. I've opened disputes in regards to the collections accounts and had Transunion remove the names, addresses, and phone numbers that do not belong to me. They said they could not help with the inquiries despite them being incorrectly listed. I feel that my credit standing has been negatively impacted and should be repaired accordingly due to the mistakes by Transunion. The 2 other credit reporting agencies do not have any of the incorrect information on my credit report so this issue is limited to Transunion. The incorrect data that I am aware of on the credit report has been highlighted and attached.
Product: Mortgage

I have a first and second mortgage originally with XXXX XXXX XXXX who sold the First Mortgage to Nationstar and XXXX retained the XXXX mortgage. I went through a divorce and lost my job of four years. I then applied for mortgage assistance with Nationstar who then began stringing me along. I have yet to receive a decision on my last application for mortgage assistance in XXXX 2016. To my surprise, Nationstar sold my loan to XXXX effective XXXX XXXX, 2016. When I contacted XXXX I was told that none of my paperwork from Nationstar was transferred and that foreclosure had begun with my XXXX XXXX. XXXX sent me a debt Validation Notice without a date on it. When I called XXXX they informed they were no longer handling the foreclosure and that it had been transferred to XXXX. I do not know who is my rightful servicer and trustee for my loan, in addition, I feel that because of the equity in my home I am being targeted and preyed otherwise the information I need to gain assistance would not be hidden from me.
Product: Student loan

My loan is Navient I have been paying for about 20 years and still owe the same amount I try to ask for help but they told me not. 
XXXX XXXX XXXX XXXX Im about to XXXX  I will not have enough money to keep paying