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

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # FTC and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX Account Number XXXX Account Type Rental Responsibility Individual Date Opened XX/XX/XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX Collection account. {$610.00} past due as of XXXX XXXX. 
Date XX/XX/XXXX XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX-XXXX-Balance {$0.00} DEPTEDXXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

law offices XXXX showing on XXXX FTC violations
Product: Credit card or prepaid card

My wife was enticed by a company called XXXX XXXX to sign up for their dance instruction videos. Their website clearly showed a 7 day free trial and implied that the card would not be charged until the 7 days were up. On XX/XX/2020 they charged the full {$99.00} for an annual subscription. When we contacted them on XX/XX/XXXX about cancelling within the 7 day window they declined to refund and didn't respond when we pointed out the 7 day free on their website. This led us to challenge the charge with the credit card company Capital One XXXX card on XX/XX/2020. Capital one says we didn't provide proof of cancellation despite us showing same with emails. Capital One is enabling scammers like this by not refunding what is obvious deliberate fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA.

Equifax is the only Consumer Reporting Agency reporting the Invitations Homes account on my consumer report. XXXX and XXXX  has both removed this account from my consumer report. I never gave Equifax written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave Equifax any written instructions to report this account. Equifax has not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. Equifax keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for Equifax reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. Equifax has not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.
Product: Credit card or prepaid card

I HAVE BEEN TRYING FOR OVER 2 YEARS TO REMOVE A FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT PROFILE. THIS FRAUDULENT ACCOUNT WAS OPENED IN A DIFFERENT STATE AND IT WAS CHARGED IN A STATE WHERE I DON'T LIVE. I HAVE BEEN TALKING TO DISCOVER BANK AND XXXX TO HAVE THIS FRAUDULENT ACCOUNT REMOVED. THE CHARGES AND THE ACCOUT ARE FRAUDULENT. UNFORTUNATELY FOR ME DISCOVER WILL NOT PROVIDE THE ADDRESS THAT WAS USED TO OPEN THIS FRAUDULENT ACCOUNT. I FEEL LIKE THERE ARE PROTECTING THE THEIF BT NOT HELPING THE VICTIM.
Product: Student loan

I received a student loan in XX/XX/2010 with XXXX XXXX, which was sold to the current company Navient. I 've been in contact with them every month while in school, however I checked my credit and it appears that they have been reporting late to credit bureaus. I also asked them if I can be placed on an income driven repayment plan and they said that was not an option. My loan was taken out for school, I had to verify my enrollment before receiving the loan from XXXX XXXX. After I graduated, Navient told me I must begin paying although I was not employed. I pleaded to receive a income repayment plan but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over several years I have disputed this entry on my credit report through the three major credit reporting bureaus XXXX, XXXX, and XXXX. This information remains even though the account has been paid off.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I opened an account with XXXXXXXX XXXX  and attempted to fund the XXXX XXXX account from my Truist Savings account with a transfer of {$1000.00}. The funds cleared from my Truist Savings account and after 7 days of the funds being cleared I closed the Truist Savings account. However, 5 days later ( XX/XX/2022 ) XXXXXXXX XXXX decided to reject the funds, sending them back to where they originated ( Truist Savings ). Because the account was closed, Truist automatically rejected the return and sent the funds back to XXXX XXXX. However, the funds never reached my account at XXXX. I spent several hours calling both banks, the final answer I got from each bank was that they do not have the funds, they each said that the other bank had my funds. Truist is claiming that they sent my money to XXXXXXXX XXXX, but XXXXXXXX XXXX is claiming that they never received my funds. I have spent countless hours going back and forth on the phone with both companies for over two months. Now I have been missing {$1000.00} ( all of my savings ) for over two months, and I really need my money. Neither bank has been able to help me get my funds back. I understand that there are complications when funds are returned to a closed account, but considering that everything was done electronically, it should not be this hard for the banks to figure out how to get me my money back. Both Truist and XXXXXXXX XXXX have failed me as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of specific items listed on my consumer credit report, as they are infringing on federally protected trademark rights. It has come to my attention that the negatively impacting accounts your company is erroneously reporting are being reported without proper authorization, consent, or licensing. 

The name on those accounts is a federally registered trademark, protected under the United States Patent and Trademark Office ( USPTO ), under the serial number XXXX. The presence of this name on my credit report, associated with negatively impacting items, constitutes a misuse of this trademark. Such actions are not only misleading but also illegal as they violate federal trademark laws including the XXXX XXXX, which prohibits unauthorized use of a registered trademark in a manner likely to cause confusion, deception, or mistake ( 15 U.S.C. 1114 ). 

Please be advised that the continued use of this trademark or any similar markings without explicit permission from the trademark holder constitutes an infringement of trademark rights. Failure to remove these inaccuracies from my credit report will compel me to pursue all legal remedies available under the law. This may include, but is not limited to, seeking monetary damages for defamation and further misuse of the trademark as per established precedents like XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1979 ), where unauthorized use of a trademark was held as grounds for trademark infringement and associated damages. 

I trust that you will treat this matter with the urgency and seriousness it warrants. Please ensure that these items are removed from my credit report within 30 days from the date of this notice, as prescribed by the Fair Credit Reporting Act ( FCRA ). 

Should this matter not be resolved promptly and according to the legal stipulations mentioned, I will have no option but to seek legal recourse to protect my rights and recover damages for any harm caused by this infringement. 

I expect to receive a written confirmation from your agency within fifteen ( XXXX ) business days regarding the initiation of the items ' removal. 

Thank you for your immediate attention to this serious issue.
Product: Credit reporting or other personal consumer reports

My credit score was reduced by XXXX points because I had 2 new credit cards with a small {$150.00} balance on each. I immediately paid my balance to XXXX and because I reduced my debt ( duh ) I was penalized XXXX points. Wow, this is what Americans should be doing. You pay your debt and get penalized. This should be criminal. They have no response because the computer program did it. Ive been fighting hard to improve my credit just to keep getting knocked down by doing good smart and responsible payment practices. XXXX is a XXXX to responsible practices.
Product: Mortgage

My complaint is concerning my mortgage info being removed from our, my husband and mine, credit bureau report. I recognized the problem when I viewed our credit reports on XXXX XXXX 2016. I was told by, XXXX of XXXX ( Dispute dept. XXXX ), that our mortgage info had been removed by HFC, Member HSBC XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX, phone # XXXX. XXXX told me that she knew that HFC removed the info, because XXXX database showed an exclusion code from HFC, and that sometimes businesses removed info for maintenance or optics reasons. I then called XXXX on XXXX XXXX 2016 and spoke to XXXX a supervisor, who told me that for business reasons, HFC temporarily suspended reporting on all their mortgage info to the credit reporting agencies, because they did not want to report anything negative. My response was, " when you pull info from a persons credit report it reflects negatively and will cause the credit score to decrease which would affect your customers negatively. '' He then told me that he did not know if or when HFC would be putting the info back and that I would have to fax my complaint to their Credit Bureau Dispute and Inquiry dept. The fax which was given was XXXX. I asked him would this dept. be able to add our mortgage info back to our reports. He said, no ... my reason for filing this complaint. I have never heard of such a thing and without notifying the customers. Is this even legal? I am also concerned, because this mortgage was applied for in the state of Arizona and I recently saw an XXXX news report in XXXX 2016 about lawsuits against this company.
Product: Debt collection

On XX/XX/2018 I sent a letter asking for validation of an alleged debt to a collections agency, XXXX XXXX in XXXX Oklahoma. On XX/XX/2018 I received an itemized bill and a photocopy of a lease with XXXX XXXX through XXXX XXXX. They did not send anything else validating this alleged debt owed to them as requested in the validation letter originally sent to them. In the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. I never had contract with this collection company and they sent me an invalid contract.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Many times I have tried to get the companies to collect proper information and change my report but for years they will not listen
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX account for months. 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. CFPB please step up and fix this ASAP please Im trying to get this job promotion which would come with a salary raise.
Product: Student loan

Navient is providing deceptive information to customers regarding allocation of payments. When scheduling payments, Navient allows customers to select how they would like their payment to be allocated. I noticed in XX/XX/2021 that a payment I had specified be allocated to the loan ( s ) with the highest interest rate was seemingly allocated randomly across my various student loans rather than being allocated to the loan with the highest contractual interest rate. I reached out to Navient who indicated that, due to the provision of the CARES Act which reduced the interest rate for all student loans to 0 % for a period of time, payments which customers asked to be allocated to the loan with the highest interest were instead being allocated to the loan with the highest monthly payment amount. A copy of the correspondence in which they provided this information is attached. There is absolutely no indication on the website that this is the case. I have made payments throughout the period during which mandatory payments were suspended in order to get ahead on paying off my student loans and I now suspect that all payments I have made over the past 12 months have been misallocated, despite my explicit instructions to apply to the loan with the highest interest rate. I am confident Im not the only customer who was under the impression that payments would continue to be allocated to the loans with the highest pre-CARES Act interest rate during this forbearance period. 

Whats more, I believe the statement that payments are allocated to the loan with the highest payment amount is also misleading given that all loans currently show a monthly payment amount of {$0.00} due to the suspension of payments provided by the CARES Act. If this was the case, by their own logic any payment should be split evenly between my various loans. Instead, when I schedule a payment online and specify that it be allocated to the loan with the highest interest rate, I can see through the allocation preview that the payment is in fact being allocated to the loans with the lowest interest rates.
Product: Credit reporting or other personal consumer reports

I reviewed my XXXX Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report XXXX information to the best of their ability with maximum accuracy. i have never been late on payment for the account : BANK XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Payday loan, title loan, personal loan, or advance loan

I received 2 loans from OneMain Financial, was never disclosed the premium amount of the optional products or that I was able to cancel at any time. I was told my monthly premium payment with the products added. When I questioned the rep I was given a higher amount if I did not have the optional product on the loan. 

I finally finished paying my loan in XXXX of 2023.
Product: Credit reporting or other personal consumer reports

I noticed some late payments from first progress months of XXXX XXXX and XXXX, 2023. Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer report. THE LAW CLEARLY STATES. 
( a ) In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( XXXX ) In accordance with the written instructions of the consumer in which it relates. 
Did I give you written instructions to furnish this account? I want proof that I do so if I did. 
Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( XXXX ) Exclusions from a credit report clearly states. 
( a ) Exclusions- except as provided in paragraph XXXX the term consumer report does not include ( a ) subject to section 1681s 3 of this title. 
( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Please update my late payments to paid on time. 
Failure to delete the late payments and update to paid on time will result in legal actions against your company for which I will be seeking {$1000.00} per violation for ( XXXX ) defamation of character ( XXXX ) negligent enablement of identity fraud ( XXXX ) fair debt collection practices act 15 USC 1681n violation ( XXXX ) fair credit reporting act 15 USC 1681 violation for non compliance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
DEPTEDXXXX XXXX {$840.00} XXXX {$840.00} XXXX {$1900.00} XXXX {$500.00} XXXX {$280.00} XXXX {$760.00} XXXX $ XXXX {$1100.00} XXXX {$340.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.
Product: Checking or savings account

On XX/XX/XXXX, as I was moving into my XXXX XXXX and generally overwhelmed, I received a text asking to respond yes/no if I'd used my debit card. I responded no, and then my phone rang with a very professional welcome from 'Bank of America XXXX, and offer to rectify the issue. Unfortunately, distracted by all that was happening in my first hours in a XXXX XXXX at a XXXX XXXX, I followed the instructions of the alleged bank representative and used XXXX to wire $ 's 'to myself ' to resolve the issue. I met my parents within the hour and we efforted to undo what I had done - within an hour of my mistake, we were on the phone for almost an hour alerting the Bank of America fraud hotline of all the pertinent details, sharing texts and verifications of the transfer 'to myself ' along with the XXXX account where the $ 's were actually transferred. Bank of America was apologetic and said they would open an investigation, promising to send me an affidavit to chronicle the events. That affidavit was never sent, and I am now being told that an investigation will ensue that may take as long as 90 days with no promises of recovery of funds. I am devastated, as my entire savings from working this Summer appears to be gone. I am confused, as XXXX is a peer to peer bank controlled ( BoA, XXXX and XXXX XXXX ) and they were notified immediately of the suspicious activity. I am frustrated that the bank didn't act when I immediately brought this to their attention, and feel totally ignored by Bank of America. Please advise if there is anything that I can do, or whether you want any of the text trail from XX/XX/21 with the criminal. Devastated, XXXX XXXX
Product: Student loan

XXXX / Navient - I went through a XXXX divorce and never missed payment until the divorce process. I used forbearance for approximately a year but was never given any other options - income repayment or other. I was told my rate could not be lowered and i have been told about a different program each time i contact them. My most recent episodes in trying to pay the loans to date so they did not hit my credit report : XXXX/XXXX/17 - told to pay a minimum of {$390.00} to stop calls and wait on being approved for alternate program without credit reporting XXXX/XXXX/17. {$390.00} went through for payment and that day on phone was told to call the following monday to enter in their XXXX for XXXX program. 
XX/XX/XXXX - Called this day as requested, was told the XXXX for XXXX program was not able to be used because i had paid the {$390.00} the prior week which brought me up to date ( the exact opposite reason i was told ) .. On XX/XX/XXXX was enrolled in an automatic debit draft program and told next payment to come out in XXXX - would bring me fully up to date and then i could pay weekly. Now again this week on XX/XX/XXXX i was called over 15 times saying my autopay did not go through ( even though i was told next payment would be set for XXXX XXXX ) and that i 'm late and acquired a late fee. Navient now has my banking information and my authorization and apparently they were going to draft out a payment for this month ( XXXX XXXX ) without my knowledge when i was told XXXX XXXX. They state that my autodraft did not go through because they entered an account number incorrectly but that is not true because they have drafted out XXXX fees in the past month.