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

XXXX is doing their normal delay tactic. You all know the current administration is stopping you from investigating Student Loans and their servicers. I'm currently in the process of the disputing the validation and verification of debt with XXXX and XXXX. I sent in paperwork in to the CFPB describing my request. Please see my history. 

After XXXX and XXXX did not provide me with the request Promissory Note for the loans ; in addition, to certified documents of calculations stamped by a notary. I sent mail to the credit agencies to remove this information off my credit report. I sent XXXX, XXXX, and Experian the entire paper trail of when the I requested this information from XXXX and XXXX. 

The paper trail consisted of certified mail letters that started on XX/XX/XXXX. This information was sent directly with XXXX and XXXX. Now the credit agencies would get a verification that really never takes and say contact XXXX and XXXX directly, so I did that first then provide the credit agencies with the paper trail along with certified letter numbers : XXXX : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Here is the confusing part. I CURRENT USE XXXX MONITORING SYSTEM to monitor my credit report. However, once I sent in this information to remove these loan off my credit report, now they can not locate my credit file ... My use name in there I system XXXX and the pull report at lease twice a month. I have attached the delay letter they sent me and I will attach a copy of my credit report XXXX. 

Here is a suggestion, if you are having issues with getting information from the Department of Education then I believe you hold the credit agencies liable for publishing this falsified information from Student Loan Services especially after the have been provide all of the paperwork of communication directly with the servicer and the servicer has not delivered on within the time frame and provide false document mentation. 

Please the letter XXXX sent talking about they can not locate a credit file within there system with information I sent in regards to name and address ; however, you see on the XXXX report SHOWS MY NAME THE EXACT SAME ON THE CREDIT REPORT FROM THE THEIR SITE ALONG WITH THE ADDRESS ... Please investigate them ASAP. Again have attached my report XXXX along with mail I received from them stating they could not find my file. 

Also, see the last complaint I made to the CFPB about XXXX and XXXX. The history of communication is on the site. I do not have agreement with XXXX or XXXX, so please remove the accounts.
Product: Credit reporting or other personal consumer reports

I had disputed an account that was open fraudulent. It took more than 3 months. 
I call Synchrony bank to let them know that was a fraudulent account open. 
I have accepted responsibility for the charges any responsability because it was not me. 
Nothing was shipped to your address I have not participated in, or benefited from the purchase. 
I have never made payments to no account Since I did not open it. 

I have not received anything to be to be reviewed by them after my complaint of fraud. 
The signature on sales receipt it not mine permitted a third party to use/ open the account I didn't activated any account.
Product: Debt collection

this account is over 10 years old they keep furnishing my private consumer information without my consent i have contacted them via USPS XXXX certified mail number they have never responded the elotted 30 days with the original contract and wet ink signature they have violated my right because texas law only allows 4 years and this account is over ten years old
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with the credit bureaus but continue to report the error please investigate and corrected as soon as possible Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experiant XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, my membership account w/ fraud alerts for the past 4 years was hacked & hijacked from my access even with paid premium features that were to protect and recover this issue. My account sign-in info was changed to an Experian email address keeping me from logging in and/or changing password to log in. Someone was applying for auto loans daily for a month causing dramatic drops in credit score, then numerous fraudulent entries started showing up on my report including extra ssi numbers, fraudulent addresses, a list of XXXX aliases when I've only used my real name all my life, fraudulent accounts claiming to be in collections when I've had no collections in my name in over 10 years. Each time I dispute this information, it shows back up on my report a couple of months later. Each time I call in, I'm sent on a " transfer cycle '' where I'm transferred back & forth to several depts for hours, then hung up on. Just to have to call in again, and go through the same treatment with nothing being rectified. My accounts that have been connected to Experian Boost were disconnected several times causing my score to plummet again, even while I've been working w/ XXXX other companies reporting timely payments to increase my score faster than usual. I've dropped XXXX points just in the past XXXX weeks and no one can expain this repetitive fraudulent activity to me even with fraud alerts, credit freeze, and I mailed/faxed in the police report at the very start of this ever increasing identity theft.
Product: Checking or savings account

Navy Federal allowed transactions to post to my account that were presented in the form of debit or credit from companies that I had advised to stop debiting my account. Then they would charge me a overdraft fee in access of the actual balance. Every time I would see a charge from these companies I would call and complain about being charged an over draft fee as I would under the impression that Debit transactions if presented and money isn't available would be declined and your account would not be debited. I never requested over draft protection nor did I ask for transactions to be approved when money wasn't available. Additionally, They would also go into my account and withdraw money to pay my credit card bill even if I had already paid it. which also cause me to be over drawn when my actual bills came out
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Mortgage

Hi I own a home with Ocwen and i have mailed several several Loan Modification documents to Ocwen and no one got back with me. Then about 3 months into it they decided to give me a relationship manager whom according to our discussion was going to get me a loan mod, but he came back to me and stated that he will give me a payment plan and i was advised not to make a payment plan until i heard from him. Well i never heard from him and later i continued to apply for a loan Mod and still nothing from Ocwen, about 2 months ago i got a letter stating that i will be foreclosed and i called Ocwen and at that time was given another Relationship manager who called me on day before XXXX telling me my mortgage has now basically doubled in price for the next one year. 
They are basically forcing me into a repayment plan that is double the monthly payments. 
I find this solution during this difficult time of my life to be preditory and unreasonable. 
I need help and a modification not for it to double and now i am stuck and dont know what to do and where to go. 
I have lived in this home for the last 14 years, I am a responsible home owner. I WANT to keep my home.
Product: Debt collection

Sent letter to validate my debt to AARGON Agency on XX/XX/2022 they have not provided anything and ignoring me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries on my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit report. 
The following accounts were not opened by me and should be immediately blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I have filed a dispute letter to all XXXX credit buruaus TransUnion, XXXX, XXXX to validate alleged debts on my consumer file. they Have failed to show me evidence bearing my original signature in a timely manner. They have failed to comply with their own policies a timely manner
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am having banking institution issues XXXX XXXX XXXX XXXX - Banking Institution Issues - On XX/XX/XXXX, they said that I reached my spending limit and didn't warn me. Money unable to be spent or moved or touched in my account until the beginning of next month. On XX/XX/XXXX, I explained to them that I needed to pay bills, rent and have a XXXX at the end of the month, yet they are saying they can't help. This bank is not supervised by the FDIC and I do not trust them.
Product: Checking or savings account

Ive been with Navy Federal Credit Union for a few years and have never had an issue with them until now. Ive never did anything illegal with my account so for them to close my account for no apparent reason is ludicrous. I received a letter in the mail dated XXXX XXXX stating Navy Federal monitors accounts and transactions to identify activity or conduct that may pose unacceptable risk to the credit union, its staff, and its members. We reserve the right to prohibit any and all activity to, through, or from any Navy Federal account as we deem necessary. I then called the bank to resolve this and to also see whats going on with my account because I havent done anything wrong. They transferred me multiple times to different reps that couldnt help me then to the security department and they refused to tell me why my account has been restricted. Im really lost for words because I have credit cards, auto loan and loans with this bank. Every external bill I have is set up auto pay with this account now Im being charged for returned fees which equals in the amount of about {$400.00}.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an team of the information is found to be inaccurate or 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, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

XXXX XXXX XXXX, Mortgage, XXXX XXXX XXXX, Personal Information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to furnish an inquiry on credit file. Company stated they will remove the inquiry 3 months ago.
Product: Debt collection

RESURGENT/LVNV FUNDING have been harassing me with bullying tactics. They continue to persist on pursing me on regarding an alleged debt that does not belong to me. I have sent Cease and Desist notices, I have spoken with Representatives on the phone, whom insisted they would no longe pursue me. They have sent emails to my family members regarding this alleged debt. In fact, all the credit reporting agencies continue to display the last dispute that I submitted and it also hinders my opportunity to resolve this matter. I am tired of having to deal with these inappropriate activities. Pursuant to 15 USC 1692 ( G ) they have not provided anything to justify the alleged debt belongs to me. No signatures have been produced, no chain of custody for the alleged account, no contract that suggest that we have an agreement respectively. I want these accounts removed from my credit report or I will take legal action against them.
Product: Credit reporting or other personal consumer reports

In a period of over 5 months I have sent letters indicating the inaccurate, erroneous information i have identified on my credit reports. Unfortunately, XXXX, XXXX and Equifax have failed to provide an honest and transparent investigation on my claims. Today I am filing a formal complaint. I will attach the proof of the letters i have sent. Please reach out to XXXX, XXXX XXXX Equifax and demand an investigation to be completed- I am also requesting proof of the investigation. If this is not done correctly as per the FCRA laws of investigating erroneous accounts I demand full deletion of the item in question. Thank you.
Product: Debt collection

In accordance with the Fair Credit Reporting Act Preferred Lease 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
Product: Debt collection

I had my vehicle stolen in XX/XX/XXXX that was recovered by the XXXX XXXX Police department approximately 10 days later. My vehicle had been towed to the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX. 
When I went to the XXXX XXXX XXXX yard to recover my vehicle I was devastated to see that the tires were missing, the seats were gone, the glove box and interior was stripped and all my personal belongings in the car were gone. I advised the rep working for the tow yard that I had no interest in the vehicle at this point as the accumulated tow fees exceeded the value of the vehicle at this point in time and was releasing myself of any and all liability on the vehicle and that the paperwork on vehicle was in the vehicle which they would not allow me to retrieve. The rep stated that was fine if that's what I decided to do. The only notification I ever received from the XXXX XXXX XXXX company was the notice of auction. A few months later I received a collection notice from IC Systems XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX XXXX dated XX/XX/XXXX indicating that they were attempting to collect a debt for XXXX XXXX XXXX company in the amount of {$2700.00}. I spoke to XXXX employee ID XXXX at IC Systems on XX/XX/XXXX and filed a dispute since I had never received any type of billing notice from XXXX XXXX XXXX. I was advised that a billing statement would be requested and sent out to me which to this date I have never received. I spoke to Mr. XXXX on XX/XX/XXXX and was advised that he would escalate the request to his Manager to have a billing statement sent out to me which I have not received. I spoke to XXXX at XXXX XXXX XXXX on XX/XX/XXXX whom was very rude she indicated that the vehicle sold at auction and I am responsible for the towing and storage fees on this vehicle. I wanted to know why wasn't a bill ever sent out to me and she stated that one was sent but would not verify the address or date it was sent. 

If any additional information is needed please let me know. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # ending 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
Product: Mortgage

I made a payment to my second mortgage account at First First Financial Bank  on XX/XX/2020. That payment was due on the XXXX of XXXX. The teller who took the payment did not apply the payment to my account. 

I noticed the error when I received the next months statement. I sent a notice of error letter to First Financial Bank, to the address listed on the back of the statement, and I requested they correct the error to include correcting the interest charged. 

I received a letter from First Financial dated XX/XX/2020 stating they had " addressed '' my concerns regarding the account. 

When I received my XXXX statement I noticed they not corrected the interest charge. Rather than reducing the interest they more than doubled what I should have paid. 

I have had numerous problems with this bank. I hope that by filing this complaint I can not only resolve this issue but also warn other consumers about how absolutely corrupt this bank is.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and Experian for their failure to properly investigate and address my identity theft dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Background : Identity Theft Incident : I have been a victim of identity theft, which has resulted in several fraudulent accounts and incorrect information appearing on my credit reports with XXXX and Experian. 

Reporting and Documentation : Following the guidance provided by the credit bureaus, I filed the appropriate identity theft report with the Federal Trade Commission ( FTC ). I also submitted an affidavit of dispute, along with three forms of identification to both XXXX and Experian. 

Non-Compliance by XXXX and Experian : Despite my adherence to all necessary procedures, XXXX has responded with a letter stating that my disputes do not appear to be from me, which is both incorrect and unlawful. I have made multiple attempts to rectify this situation by providing all requested documentation, including my FTC report and a sworn affidavit. However, both XXXX and Experian have failed to open a proper investigation into my claims and rectify the inaccuracies on my credit report. 

Fraudulent Account XXXX : One of the fraudulent accounts that I am disputing is with XXXX, account number XXXX, with an amount of {$480.00}. 

Violations : Fair Credit Reporting Act ( FCRA ) Violations : XXXX and Experian are in violation of FCRA provisions, which mandate that credit reporting agencies must conduct a thorough investigation upon receiving a dispute along with appropriate identity theft documentation. 

Failure to Conduct a Proper Investigation : By dismissing my dispute and failing to open a proper investigation, XXXX and Experian are neglecting their legal obligations under FCRA Section 611 ( 15 U.S. Code 1681i ), which requires a reasonable investigation of disputed information.