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

FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the XXXX and XXXX and Experian credit reporting agency XXXX block information reporting on my consumer report that result in identity theft and fraud within 4 daysof receiving this complaint.The fraudulent inaccurate account is Lincoln Automotive account number XXXXThis account account appearing on my consumer report i do not recognize the aforementioned account.I have attached my FTC IDENTITY THEFT CRIMINAL COMPLAINT case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian violated 15 usc 1681 A section 1 & 2 By furnishing and reporting Accounts without my consent I have a right to privacy I want the following accounts deleted now. 
XXXX XXXX XXXX XXXX ACCOUNT # XXXX. XXXX $ XXXX XXXX XXXX ACCOUNT # XXXX. XXXX $ XXXX. XXXX XXXX ACCOUNT # XXXX. XXXX $ XXXX violated 15 usc 1681 A section 1 & 2 By furnishing and reporting Accounts without my consent I have a right to privacy I want the following accounts deleted now. 
XXXX XXXX XXXX XXXX  ACCOUNT # XXXX. XXXX $ XXXX XXXX XXXX  ACCOUNT # XXXX. XXXX $
Product: Student loan

I have contacted Navient a plethora of times in an effort to lower my monthly payment. The most recent being XX/XX/XXXX. 

I have two loans now serviced by them. My first loan which was initially serviced by Sallie Mae is from XXXX University that was distributed on XX/XX/XXXX in the amount of {$31000.00}. It currently has a 11.5 % interest rate which they refuse to lower and a current balance of {$55000.00}. My new monthly payment is {$580.00}. Last year it was {$340.00}. 

My second loan which was initially serviced by XXXX XXXX is from XXXX University that was distributed on XX/XX/XXXX in the amount of {$24000.00}. It currently has a 8.75 % interest rate which they refuse to lower and a current balance of {$23000.00}. My new monthly payment is {$250.00}. Last year it was {$240.00}. 

I have called Navient to inquire about consolidating them since they both are serviced by the same lender in order to have one payment and one interest rate. I have literally begged them for a lower monthly payment and have been told there is nothing they can do. Most recently in XXXX the representative told me they can not lower my payment because my credit score is too high which proves to them that I do not have issues paying my bills. I was advised to not pay my loan amount which will put my account in default which would result in a lower credit score and ultimately prove I need assistance with a lower payment. This is the most insane feedback I have ever heard. As a individual who has taken pride in having a flawless credit score, I would have never imagined hearing this type of suggestion to show a borrow is in need of help! Navient has in no way, shape or form tried to offer lower monthly payments. They simply will offer paying off just the interest to lower your payment for a short period of time which in turn will ultimately increase your monthly payment once that time period ends. Additionally, they are refusing to release my co-signer! 

I personally have never missed a payment on my loans, but its unjust to be stuck with a loan servicer who could care less about their borrowers and their monthly payments amounts. Navient has about 12 million customers and services more than {$300.00} XXXX of government and private student loans. The greed they possess is disturbing and the borrowers need immediate assistance. We all want to pay our loans off, but we want to be able to live and enjoy life as well without the burden of a {$1000.00} monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone from Rocket Mortgage ( my current lender ) called me unsolicited on XX/XX/22 and said that they wanted to see if they could find me a better mortgage option. I told them that was fine. XXXX days later my credit monitor reported that Rocket Mortgage had done a query on my credit report which will impact my credit score. The person from Rocket Mortgage NEVER said they would be doing this and I never gave permission for it. Additionally, they hit my wife 's credit report as well and they never even spoke with her, so they certainly did not have authorization for it. Someone from Rocket Mortgage called on XX/XX/22 and when I complained they tried to tell me that I should have known that their agent would do a credit lookup and then started asking me what I was going to use my credit for and whether I was looking for another loan of some sort at that time. IT'S NONE OF THEIR XXXX BUSINESS. IT'S **MY** CREDIT SCORE. 

These are deceitful business practices and they should be stopped. They should disclose what's involved with their " offer ''. I want them to mitigate the impact to my wife 's and my credit scores. And to never do this again.
Product: Mortgage

I requested, in a Qualified Written Request on  XX/XX/XXXX  on a number of items, detailed in a letter attached an d SunTrust re plied on  XX/XX/XXXX . Suntrust  : 1 ) Fa iled to provide me the requested items particularly modification documents from  XX/XX/XXXX / XX/XX/XXXX .  <P/>  2 ) F ailed to address my concern in a modification request that  my Uniform Borrower Request sho ws affordability of the mortgage.  <P/>  3 )  Asked me in  XX/XX/XXXX  to make  3 Tr ial Payments, all of which they received and of which SunTrust confirmed in a  XX/XX/XXXX  reply to CFPB yet SunTrust has disregarded its  XX/XX/XXXX  approval and confirmation that the modification was approved.  <P/> 4 ) Sent two misleading letters to me on  XX/XX/XXXX  that it was reviewing the new modification and and a letter denying the request. Both letters arrived the same day.  <P/>  5  ) Denied a request for forbearance in a  XX/XX/XXXX  application for modification and false noted that I did not mak e 3 TP Ps timely and therefore my  XX/XX/XXXX  modification was rejected when SunTrust had the three TPPs timely.  <P/>  6 ) Nev er asked me to support my income in th e Uniform   Borrower Appl ication submitted in  XX/XX/XXXX  and if they had, it was improper, in that  SunTrust  had my tax returns as part of the application for relief and I signed documentation that the items submitted were true, correct, and accurate to the best of my knowledge.  <P/>  7  ) Did not submit a denial of the modification request for almost 90 days after they had all of the data to make a credit decision.  <P/>  8 ) A scertains that it can not make a modification approval even though my application was complete and showed historical income to make the payments by my tax returns.  <P/>  9  ) Appears to be continuously to be fraudulently responding to me and the CFPB and such should replies should be referred to the U.S. Attorney General.  <P/> 10 ) Asked me to submit a second request for modification and then wholly disregarded the data submitted as to income and expenses.  <P/> 11 ) Noted that my loan is 28 months past due when it issued a new modification in  XX/XX/XXXX  and the payments I made to obtain the modification were received timely and Suntrust represented to the CFPB what I was supposed to do and I did it timely.  <P/> 12 ) Has continuously noted my mortgage on my credit report as delinquent during the payment period on the mod request i n  XX/XX/XXXX  con trary to what SunTrust reported in writing to me before and after the modification that there would be no negative credit reporting.  <P/>  SunTrust,  via  XXXX   XXXX , a Officer in the Mortgage Escalations Team, has not replied to my numerous request on the last TPP that was paid to SunTrust
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a letter to remove a extended security freeze from my TransUnion credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
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 XXXXl Account # : XXXX Account Name : XXXX XXXX XXXX / ( XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX / ( XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : 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 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX  XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major reporting agencies have incorrectly reported my credit information to XXXX XXXX  and XXXX XXXX  companies when contacted about my credit scores & history in XXXX & erroneously reported late payments, etc pertaining to old accounts ( XXXX ) that I previously had filed a chapter XXXX bankruptcy on! XXXX, Experian XXXX XXXX  all participated in this abuse! Although I filed bankruptcy on the accounts listed in my XXXX bankruptcy, I was never late on any payments! A similar report was also filed to XXXX XXXX XXXX as well! These erroneous reports ultimately caused me to refinance my VA  loan at a much higher interest rate than I should have been offered and refinanced at!! I previously filed a complaint against Experian in XXXX for false reporting ( of late payments ) after filing bankruptcy to liquidate the same accounts .Experian admitted guilt, but I now see they're filing fraudulent reports again! This company has been previously fined millions by the U.S. & state governments for these & other abused & recently admitted to sharing Americans credit information with the XXXX XXXX.! I'd like relief from and correction of these false reports & my credit score upgraded accordingly!
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation XX/XX/2020 WHY is there another address added that I've never listed or live at? .pdf <<<<<<< WHY IS MY ADDRESS NOT CORRECTED TO MY CORRECT ADDRESS? FCRA VIOLATION. FTC VIOLATION PAST 45 DAYS. 
XXXX XXXX XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on XXXX. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020? <<<<<<< XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on XXXX. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. <<<<<<<< XXXX XXXX XXXX XXXX XXXX, NEVER LATE, FCRA Violation, why is this not verified accurately XXXX? <<<<<<<<
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Dear credit bureau, I am contacting you regarding complaint XXXX XXXXXXXX. I asked that you all send itemized receipts and proof of investigation and have not received yet again. I would like an actual human to read through the complaint. Please advise a data furnisher is not a complete investigation. Please advise the 30 day window is complete, which means that legally you have to delete the reporting of XXXX XXXX. I am disgruntled and demand the reporting be removed immediately as it is a violation of my FCRA rights. Remove the account below. Account- XXXX Bank
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The 3 Credit reporting companies XXXX experian and XXXX. CONTINUE and FAIL TO NOT PROTECT CONSUMERS. as consumers we must PROVE that incorrect/ erroneous items are so. While XXXXredit Furnishers or debt Collectors. DO NOT HAVE any type of burden to prove that the negative information they provide is Correct. Suggest that ALL credit furnishers and debt collectors MUST Prove that ANY negative information they provide MUST Include proof.
Product: Debt collection

I have no idea who LVNV FUNDING LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. LVNV FUNDING LLC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

I have requested information from LVNV FUNDING LLC via certified mail and they did not respond to my request and no information was provided. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor }  authorized LVNV FUNDING LLC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ LVNV FUNDING LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to LVNV FUNDING LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit card or prepaid card

i signed up for the paypal mastercard back in XXXX XXXX the new card member offer was to receive 4 % cashback up to {$200.00} for all purchases made. then the card earns 2 % cashback on all other purchases. I never received 4 % cashback ever. I only received 2 % cashback the entire time. 
i have attached the confirmation of the offer. i reached out to paypal multiple times and nothing has been resolved. they give me the run around.
Product: Vehicle loan or lease

On XX/XX/2020 I was advised that Wells Fargo is not accepting the insurance information I provided them, denying me a large refund for Insurance fraud they committed and are attempting to pay borrowers back. Wells Fargo is stating they called my insurance and was advised there is no coverage. 

That is just not true. I am requesting that they provide me a letter in writing from the insurance company stating that I did not have coverage for the dates required. 

I spoke with all 4 insurance companies and indeed they advised that my insurance was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection my credit report from XXXX XXXX. The collection is stemming from an account with " XXXX XXXX XXXX XXXX '' that is not mine. It must be removed immediately from my credit report.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

equifax has refused to do a proper investigation into information obtained in my equifax credit file. They are not verifying properly the fraudulent information that they are continuing to report and that is a violation of the FCRA. Every single inquiry listed on my equifax credit report is fraudulent. I didnt do a single one. they claim the information is being verified, however i can assure you it is not. they are just checking their internal records and not properly investigating this issue.