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

I recently discovered that I am a victim of identity theft. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report I noticed that there are some inaccuracy on it, specially on the Month of XXXX that XXXX  has 30 days late payments but XXXX and XXXX has no data provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX On this account I ask them to verify & validate this account with signature. Information according reports dont match after I receive updates and copies of reports. Requested copies of contract with signatures never received along with price of car sold at auction if price included dealer upgrades of leather seats and doors in sales of car. If not the gave away the car at a loss. The balances is XXXX o n and XXXX on another so which is it. Their saying he paid for 3 years on one report then one he paid for almost 4 years and then they sold the car and he still owes XXXX. Is that predatory lending? Are they on the list for predatory lending? If so address XXXX XXXX XXXXXXXX That was ask to be verified it was handled by a Collection agency and when I sign with them and made a deal we settled for a deletion once I paid them and once I paid them the money through the collection agency they did give me a letter and said that it will be settled in full with the and I have to let I have misplaced that letter and then they say once they put it on my credit it was something else and I cant find that letter now. So XXXX got paid but the collection agency handled this situation. 
Military Star Reporting charge off when I Volunteer to pay them in a program in which I paid interest and I paid them in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These have violated my rights. 

15 U.S.C. 1681 section 602 A States that I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any 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 ) states that 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 recently reviewed a copy of my credit report and noticed i had fraudulent account on my report. Please remove this account from my report it is hurting my ability to obtain credit. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a collection of {$900.00} from ERC. This apparently was from a XXXX XXXX account. I have never had XXXX XXXX in my life. I spoke to a rep at XXXX XXXX in XX/XX/XXXX, and they said they had no record for me. I have disputed this several times with XXXX, but every time I do, ERC reports it as just opened. I spoke to an XXXX rep and the latest dispute was XX/XX/XXXX, and ERC reported it opened in XX/XX/XXXX. How does that even make sense? I 'm trying to buy a house.
Product: Credit card

On XX/XX/XXXX I received an alert via my celphone from Mercury Credit Card notifications saying a transaction was just preformed. I logged into my account and saw a pending transaction for {$150.00}, from a company listed as " XXXX '' a subsidiary of XXXX. This was an electronic transaction done online. I called Mercury Credit Card customer service line instantly to alert them of the fraud charge. Upon speaking with them, they asked me had I contacted the merchant, I told them no. Mercury advised me to do so saying because it was still a pending transaction they could probably do something. I called " XXXX '' to express what happened and they said that even if it was a mistake they don't refund tickets and to call my credit card company. They also advised me to go to my email and accept the ticket and sell it. I went to my email as was alarmed to see it there, which alerted me to my identity been compromised but NEVER did I accept it. I called Mercury back and they said they would file a claim. On XX/XX/XXXX I saw the same charge come back through again on my account from Mercury. I called Mercury back and they said the vendor verified it was valid. I asked them to please provide proof of redemption, any photos, etc. They said they could not. MercurXXXX said " XXXX '' had all my personal information so that was good enough for them that the charge was real. The same week this transaction occurred on my Mercury account, there was a data breach with XXXX. I did not purchase anything from XXXX. This card is not even used for transactions as I have only been paying it off so I can close it. If any real investigation was done by XXXX, that certainly should've been taken into consideration the " XXXX '' transaction as suspicious activity.
Product: Student loan

My private student loan is with Navient and last year I got into an agreement with them for the interest reduction program and I was told after three months that the company was going to report to the credit agencies that my account is being pay as agreed. Navient is taking automatic payments from my bank account every month for the past 3 years and they still reporting that my payments are 30,60, to 90 days late. I have contacted them by phone, e-mail, and mail for the past seven month to correct the reporting and they refused to. They kept giving me the run around and providing me with contact to other department that can not resolve the issue. They provided me with phone numbers, e-mail, and mailing address, but they all led me to a dead end. I tried to mediate the issue with them with the contact information I was given but Navient still refused to update my credit reporting and their refusal has hurt my credit score and kept me from getting a loan to purchase my home. It also cause me to pay more for services, rental, insurance, and other services that verify credit for favorable rate. Their customer service representative refused to give me the contact information to the department that does the reporting. They told me I have to mail them ; which I did but I never get a reply back and they continues to report my account being late.
Product: Credit card or prepaid card

I called the comapny Care Credit 3 times in the month of XXXX, the first time I called I spoke to a representative that said that my address was changed by someone who called in and changed the a address that is not my address, the second time I called in I talked to a rep by the name of XXXX, I expalained that I had not recieved my statement for the month so he ask me to verify my address which I did, but the address that they have on file was another address that I do not know and have never lived at which is XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX which I have never lived there I was told that someone called in and changed via phone and I asked how did they do that without any type of verification, I expalined to him that I have recently became a victim of idenity theft and I am concerned that somone changed this address without my permission. I asked him to transfer to the fraud department he said that he would transfer me but they would probaboy transfer me back to customer service, while I was on hold the phone hung up, I called back and spoke to XXXX explained everyting over to her and she said that the account would be on hold dont worry about the payements until they reviewed how someone gained access to my account to change anything, she also said they can close the account if im concerned that my statements and personal information is at risk once again I was on hold and the phone hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a payment by electronic check to the bank I use for my auto loan and they sent an email stating there was an error and the payment could not be processed. I processed another payment by debit card. Soon after, they withdrew my checking account that I initially used. I disputed the transaction with my bank after I tried to let them know it was a payment that wasnt supposed to go through. Both payments were reversed and the company is reporting my account incorrectly. Ive tried to ask for leniency because Im getting my credit back on track.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting fraudulent inquiries found in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

Company replied with lease that was not signed or authorized by me. I have never signed a lease with this company or the company they allegedly purchased account from.
Product: Credit reporting or other personal consumer reports

To : Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Reporting Loan Transactions in Compliance with XXXX XXXX Format for Consumer Report of XXXX XXXX Dear Experian XXXX, I am writing to formally request the inclusion of loan transaction data on the consumer report for XXXX XXXX, whose details are listed below. The loan in question is being reported in compliance with XXXX XXXX formatting standards and aligns with your policies for reporting closed-end, unsecured loans with collateral. Please ensure that this data is correctly reflected in the consumer 's credit file. 

Borrower Details : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( if applicable ) : XXXX Loan Details : Account Number : XXXX Loan Amount : {$10000.00} Interest Rate : 0 % Loan Type : Closed-End, Installment Loan Payment Schedule : XXXX monthly installments of {$3300.00} First Payment Date : XX/XX/XXXX Loan Status : Active as of XX/XX/XXXX ( Partial Release of Collateral ) Collateral Information : Element XXXX Smart TV, Serial No. : XXXX XXXX XXXX XXXX Smart TV, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX : XXXX, License Plate : XXXX Payment History : First Payment Date : XX/XX/XXXX - {$3300.00} ( Cash ) Status : Paid in Full, resulting in partial release of Element XXXX Smart TV as collateral. 



Please report the loan status and payment history in accordance with XXXX XXXX guidelines using the following parameters : XXXX. Account Status Code ( XXXX ) : XXXX, performing XXXX. Payment Rating ( XXXX ) : XXXX ( Current ) XXXX. Special Comment Code ( XXXX ) : Loan secured by collateral XXXX. Account XXXX ( XXXX ) : XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX ( XXXX XXXX ) : Reflect current, timely payments. 


XXXX. Date of XXXX XXXX ( XXXX, if applicable ) : N/A, account is current. 



This data reflects accurate reporting for XXXX XXXX and is based on documented loan agreements, security interests, and payment records already filed with the State of California ( XXXX Financing Statements ). Please update the credit file for XXXX XXXX accordingly. 

Thank you for your attention to this matter. Please confirm once the data has been added to the consumer report, and feel free to reach out if any further documentation is needed to facilitate this request. 

Sincerely, XXXX XXXX XXXX XXXX Ct XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024. I saw some late payments there were suppose to be on time. Me and my creditor talked about " I wouldn't be marked late because I had things going on not because of the pandemic. I sent a letter to Transunion to get this fix but they still said everything is reporting correctly. But Its not. Can you help with this situation. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Hello- I applied for a Parent Plus Loan in 2015 for XXXX which is a Federal Parent Plus loan. in reviewing this account to date 4 years later I have paid XXXX, XXXX to interest and only XXXX in principle. Unfortunately, I was not educated enough in how a XXXX federal loan would turn into a XXXX repayment loan. Sure they offer lower your payment, or forbearance so that Navient can XXXX you over for more interest. I am a U.S. Citizen who pays taxes but seems to be XXXX so others can reap benefits freely. In the end I get XXXX by trying to provided a better life for our children by thinking that the college education Federal lending program is here to help U.S. citizens and their families when in reality it is loan sharking and extortion business. Unfortunately, I've learned this too late in life, but trust I will start a forum to lobby so that new parents who want their children to reach the " American Dream " can be educated enough to know that the federal loan program is not a smart financial decision and college just want your money. I hope you take these comments and go back to congress and restructure this extortion program and decide to help the citizens, vets of this country, instead of funding the people who live off the system that I pay for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this report on behalf of myself, the consumer, with no connection to a third party. I have repeatedly tried to contact and resolve this issue with Experian, itself but I am continually being violated. I have filed an identity theft report on two accounts, one with XXXX, and the other with XXXX XXXX. They have refused to delete this fraudulent information after several attempts by me to remove it. I have sent an affidavit of truth stating the violations they have done against me. They have refused to respond and therefore the affidavit stands as truth in commerce. I am writing this complaint to the CFPB because this company refuses to comply with my lawful demands. The failure to remove these fraudulent accounts has caused me intense emotional stress and harm. I have not been able to apply for any credit due to these wrongdoings and have been kept up late at night thinking about how my financial future. Please comply and stop violating me.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Capital Accounts placed a collection on my credit reports for a debt I have never received a bill for and for a company I have never done business with. They contacted me by mail only after I disputed the collection with the credit bureaus. I have no knowledge of the debt. I have received anything prior to this and I have not done business with the company. 

I don't know how they can just place a collection on my credit reports without ever notifying me before doing so.
Product: Student loan

In XX/XX/XXXX, a judgement in a class action lawsuit found that " for profit '' universities ( i.e., XXXX XXXX  ) defrauded students. A judgement of $ {$28.00} XXXX was issued against XXXX XXXX. I was directly impacted by this judgement. I received a letter dated XX/XX/XXXXXXXX  from Mohela, my student loan service provider, stating that my student loan ( ACCT # XXXX ) was paid in full. Since XXXX, Mohela continued to send monthly statements indicating no payment due. I have not made a payment since XXXX. 
In XXXX XXXX, suddenly without explanation, Mohela sent a statement indicating payment due on a balance of {$130000.00}. I've been unsuccessful in addressing this issue with Mohela. 

Please review the attached file.
Product: Mortgage

Dear Sir or Madam : On XXXX my wife and I took a mortgage with XXXX. On XXXX XXXX, XXXX XXXX assigned the mortgage to XXXX . On XXXX XXXX, XXXX XXXX assigned the Mortgage to XXXX. However, XXXX did not notify the County Clerk 's office of this assignment. Currently, XXXX is part of XXXX and XXXX is part of Bank of America. According to the County Clerk 's Office, the assignment of XXXX to XXXX first needs to be recorded, and then a lien release ( letter of satisfaction ) needs to be issued. According to XXXX ( please see file # 6 ) Bank of America will be the party responsible for both actions. Please note that we have contacted Bank of America over the telephone regarding this issue, but they insist that the party responsible is XXXX. We are in dire straights and need to clear this matter with the County Clerk 's Office in order to secure a loan to pay for my daughter 's college tuition. Your help will be greatly appreciated. Please see all relevant documents attached. 
Sincerely, XXXX and XXXX XXXX.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which are permanently closed under management of XXXX XXXX XXXX. The fraud started with XXXX XXXX who was the leader committing fraud with my children 's and I identity. When I asked er about entrance to apartment she resigned. They also submitted false evictions an loan debt to my credit report XX/XX/XXXX. They also had illegals living in complex who were entering my apartment stealing documents and spying on me and my 3 girls. They also had an underground basement where the dishwasher sat. They had the home wired with something where they knew our whereabouts. Invasion of our human rights. They switched out my XXXX XXXX hhr between XXXX and XX/XX/XXXX with a like model with XXXX parts. I have a 1099 to prove it. I kept going to round rock police department and they spoke to me like I was crazy. It made me feel they had something to do with it. When I attempted to get an attorney the intruders entered apartment and destroyed evidence. They made threats to my life and it is led to believe they tried to abduct my teenage girls for trafficking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX. The court itself do not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXXXXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a  lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

According to my credit reports, Online Collections is claiming that I owe a bill to XXXX XXXX for {$860.00} which is not correct as I have never had an account with XXXX XXXX. I did live with someone whom had an account, but I never gave XXXX XXXX the authorization to add me as a financially responsible party as I paid my rent to another ( which included all utilities ). I also know the person who was financially responsible had filed bankruptcy so I see this as XXXX XXXX & Online Collections attempting to illegally bypass a XXXX debt by trying to go after someone whom was not responsible for the bill.