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

You are in violation of the law! 

As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. Currently Navient is knowingly making false and misleading statements about my student loan debt. 

As per the XXXX Emergency Relief and Student Loan guidance from the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  owned loans are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. XXXX ) and invocation of the Higher Education Relief Opportunities for Students Act of XXXX ( HEROES Act ). Based on these acts the Department of Education put for the following policies : Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. 
ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for XXXX XXXX XXXX XXXX ( XXXX ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the XXXX voluntary payments required for individuals to rehabilitate their defaulted loans. 
Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. 
Multiple rules related to the 120 monthly payments required to qualify for XXXX were waived. 
A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the XXXX plan maximum repayment XXXX for any months in which they were in repayment status and for specified periods of deferment or forbearance. 

My Navient student loans were owned by the XXXX XXXX XXXX ( proven by the XXXX XXXX XXXX XXXX approval ). As per court order ( CFPB vs Navient XXXX ) Navient has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. Navient is no longer responding to my verification requests. 

Navient is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. 

As per CARES Act and HEROS Act any and all Navient late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.
Product: Money transfer, virtual currency, or money service

Ive been having trouble making transactions with XXXX, everytime i try to link my debit card it td bank keeps blocking me everytime i try to buy, even devit card saved under XXXX XXXX will not work this is causing me to lose money.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act convergent Account # XXXX has violated My rights 15 u.s. c 1681 section 602 A states I have the right to privacy. 15 u.sc 1681 section 604A section 2 : it also states a consumer reporting angency can not furnish a account without My written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in XXXX at XXXX County, for other XXXX charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX ( loan & credit card ), BBVA Compass ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken Loans The UNAUTHORIZED HARD INQUIRY - MUST IMMEDIATELY NEED BE REMOVED FROM MY CREDIT IN ALL BUREAUS. 

Quicken Loans company ran hard inquiry on my credit in XX/XX/2020, further impacted my credit score. This hard inquiry is UNAUTHORIZED AND MUST BE REMOVED IMMEDIATELY.
Product: Debt collection

I received a demand debt obligation notice from Harris & Harris , Ltd. attempting to collect on a non obligated debt they created in absence of any consent from me, promise, agreement, note, contract or any other instrument bearing my signature. This is violation of FDCPA, Privacy Act, and Identity Theft. Attached is notice sent to the company.
Product: Credit reporting or other personal consumer reports

I review my consumer reports and I noticed that I had two late payments on account that I was never late for. The consumer reporting agency has assumed vital role and have a responsibility to report consumers information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a Screenshots and saw this complaint on. XX/XX/24. Please investigate and provide proof which statement showing that these late payments were late. If no proof cant be provided I demand the late payments be updated to pay as agreed on time and they should be due to the fact I was never late. Thanks please see attached screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct them from my personal credit file : 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

I originally mailed a letter to TransUnion on XX/XX/XXXX to dispute negative information on my report by the US Bankruptcy Court regarding two bankruptcies listed on my report ( this letter is attached to this complaint for your review ) .The letter was signed for on XX/XX/XXXX. TransUnion 's deadline to respond to my dispute was XX/XX/XXXX. I had not heard from TransUnion by the deadline date of XX/XX/XXXX, so I sent a second dispute letter on XX/XX/XXXX, which was signed for on XX/XX/XXXX ( this letter is attached to this complaint for your review ). During this time I received a response letter from TransUnion on XX/XX/XXXX dated XX/XX/XXXX verifying the entry being reported under the U.S. Bankruptcy Court, which is way past the response deadline of XX/XX/XXXX ( this letter is attached to this complaint for your review ). TransUnion to this date has not responded to my second dispute letter dated XX/XX/XXXX. The deadline to have respond to my second dispute letter was XX/XX/XXXX. As you can see TransUnion is unwilling to properly investigate my dispute within a timely manner and has chosen altogether not to respond to my second letter I sent to them. They are in complete violation of the FCRA rules and must delete the inaccurate reporting of the two bankruptcies outlined in my credit report asap.
Product: Debt collection

I've never received any information from Arcadia Recovery Bureau at all. They are reporting on my credit, and it is their job to notify me first for any such intrusion. I have disputed the account multiple times, in multiple ways, demanding that they validate themselves and their willful intrusion into my credit file, they have not responded! They are continuing to violate the laws by reporting the account and they are harming me and my finances! They've caused me extensive damages and I hope they understand that destroying peoples lives is not a game!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and called Transunion several times over the course the last several months in effort for Transunion to correct my employer information. 

As of XX/XX/XXXX Transunion states that it verified my employer as " XXXX XXXX XXXX '' I graduated from XXXX University in XXXX and I have not returned for any additional studies. 

Transunion is violating the Fair Credit Reporting Act by reporting old information as new information. 

The second issue that I have disputed and called Transunion several times over the course the last several months is the Account Type on my XXXX secured loan account number XXXX ( credit builder loan ) is listed as a line of credit and not installment, which Transunion thus calculate into my credit utilization causing a high utilization score. 

XXXX and XXXX both reports this account as a installment account please see attached documents. 

I also verified with XXXX that they are sendingTransunion the correct information. 

Transunion is violating the Fair Credit Reporting Act by reporting wrong information and refusing to change the account type on my secure loan causing harm to my credit score.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was u fair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I received a vanilla gift card for my daughters birthday worth {$200.00}. I tried to use it on XX/XX/2023, and the card was declined. I tried it XXXX times the card was declined. Finally, when I decided to check the balance, it showed multiple transactions I did not authorize from XXXX XXXX and others. 

The transaction I attempted to make was at XXXX XXXX XXXX and had a {$20.00} hold on each, which was a total of {$60.00}. Finally, the card had a {$4.00} balance with all transactions I did not approve, so I attempted to call customer service for the vanilla gift card. They hung up on me three times, but I recorded the calls. I will provide it if necessary, but this tells me this is a fraud. I did look it up online, and there seems to be a big scam going on with this vanilla gift card, so Im reporting it to see if I can have my gift card resent because Im not able to fix this with the company itself.
Product: Debt collection

A collections account was filed on my credit report from a creditor named Elevate, LCC. The original creditor was XXXX XXXX XXXX, XXXX. I had no knowledge of this bill until it was reported on my credit report. I called the collections agency and got the date my daughter visited the ER. It was XXXX. I called the insurance company and no bill was submitted to them for payment from the original creditor. Ive tried to find information for contacting the original creditor. I have found no contact info and the collections company refused to give me any contact information and told me to look it up on my own. I have no documentation to submit because the only contact theyve had with me was on the phone on XXXX. Ive never even recieved a bill in the mail from the original creditor.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 


This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recentlt reviewed a copy of my credit report and noticed the following information regards inquiries to be an error. According the the fair credit reporting act states what instiutions are allowed to pull credit. 
The following inquiries are not related one of the allowable purposes as i have reiterated from the fair credit act ; XXXX ) .Ally financial XXXX ) .XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  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 XXXX XXXX XXXX XXXX ) .XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several credit cards have me marked as late. All lates were during the current XXXX XXXX health crisis and should not have been shown as late on my reports. In fact, the lates should actually never have been marked as such. The XXXX cards reporting as late were XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX and XXXX XXXX. Again, these lates should never be reported on my credit reports and now my credit score has been negatively impacted.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX AND XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX looked at my XXXX credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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

On my Equifax credit report my mortgage payments and balances are not being reported at all for several months dating back as far as 2017. I call XXXX to resolve the matter and I am told that XXXX is reporting my mortgage information accurately and consistently and that it is an issue with Equifax however the data is not available still in my Equifax credit report. So, I call, file complaints and disputes with Equifax and they respond by telling me that it is XXXX XXXX   fault that XXXX is not furnishing them ( Equifax ) with the data. I AM NOT GOING AWAY! THIS MATTER  WILL BE RESOLVED REGARDLESS OF WHO'S FAULT IT IS! 
Please take a look at the Equifax credit report, you will see that multiple months reflex no data for my XXXX Mortgage. I AM NOT OK WITH THAT, IT NEEDS TO STOP! 
Also the resolution letter from XXXX does not address this issue and why and who is NOT DOING THEIR JOB! FIX IT OR PAY THE PRICE! XXXX has already been sued for this lack of ethics and changing your name isn't going to change the fact that what you are doing is wrong on so many levels.Way to much data missing from my XXXX mortgage, MONTHS!
Product: Credit reporting or other personal consumer reports

I am writing to request the correction and removal of inaccurate and outdated information on my credit file, which is causing financial harm and does not reflect my current creditworthiness. Specifically : Addresses : I request that all addresses except XXXX XXXX XXXX, XXXX XXXX, IL, be removed. This is my only valid address, and the others are outdated or incorrect. 

Collection Accounts : XXXX XXXX XXXX : I am disputing the collection account with XXXX XXXX XXXX for {$21000.00}. This account is not mine, and I request this collection account be deleted immediately. 
The Bureaus : I am disputing the collection account with The XXXX for {$320.00}. This account is inaccurate and should be removed from my credit report. 
XXXX XXXX Account : The XXXX XXXX account is inaccurate and should be removed from my report. The balance of {$1500.00} does not belong to me, and I request this collection account be deleted immediately. 

XXXX XXXX Auto Payments : The XXXX XXXX XXXX account inaccurately reports late payments. I have made all payments on time, and the account should reflect a perfect payment history. I request the removal of any reported late payments. 

XXXX Accounts : All closed accounts should be removed from my credit report, as they no longer reflect my current financial standing and are unnecessarily impacting my credit file. 

Bankruptcy : The bankruptcy reported on my TransUnion file is inaccurate and should be deleted entirely, as it does not apply to me. 

I am a victim of the XXXX data breach, which compromised my personal information and has likely contributed to these inaccuracies. I request the CFPBs assistance to ensure these corrections are made promptly and in compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have faxed, mailed and called Equifax, XXXXXXXX XXXX, and XXXX off and on since XX/XX/XXXX with a Police report, Identity Theft Affidavit and written narratives until today XX/XX/XXXX when I was on the phone for 2 hours to get Equifax to delete, block or remove with my police report. Equifax urged me to contact you here as well as call the FTC at XXXX. Today they disputed again the three charge offs and the address that is on my credit report. I was the victim of Identity Theft make them delete those accounts now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My private information is being shared without my consent. I need my privacy protected at all costs! I have a right to privacy and my right is being violated at the moment. I need this to stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXand trust retaliated against my dispute by changing information on an Auto loan to reflect a repossession, When in fact it was NOT a repossession and I have paperwork showing that it was a trade in with cash out given to new purchase. They also fabricated documents Not knowing that have a copy of the original that does not reflect their illegal fraudulent changes. Due to their actions and inaccurate reporting I have been forced to use high interest lenders for credit cards and and Auto purchase causing me extreme hardships and costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - false information fraudulent account. 
XXXX - false information fraudulent account. 
XXXX- false information fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance XXXX - is reporting on my credit as a Redeemed Repossession and it was not a repossession.. I would like that removed and updated correctly to show paid as agreed
Product: Credit reporting or other personal consumer reports

the company refuse to remove and block the incorect information