23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

XXXX : XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 or other personal consumer reports

In XXXX of XXXX, Lexis Nexis impermissibly provided my consumer report to XXXX XXXX XXXX. I became aware of this disclosure when I received an adverse action letter from XXXX XXXX XXXX  stating they were unable to insure my vehicle based on information in my consumer report. I had not applied for car insurance from XXXX XXXX and did not give XXXX XXXX consent to pull my report. In addition, it is unclear why I was declined. When I requested a copy of my consumer report- which is my legal right -Lexis Nexis sent me a response that they could not verify my identity and yet they were happy to adverse action me. 

I have a permanent opt out with all credit reporting agencies for firm offers of credit or insurance since approximately XXXX. I was not seeking auto insurance from XXXX XXXX. Lexis Nexis was not able to provide me information that they relied on to deny the auto insurance application ( reminder, I did not request auto insurance ). Lexis Nexis is a data broker and requires more oversight due to their lax practices for providing consumer reports while at the same time making it difficult to access, correct, or delete data as a data broker.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$5900.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023 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: Student loan

I have called Navient 6 times over the last two days. I keep getting transferred from person to person with no answer no help and no resolution. I want to consolidate my 4 loans into 1 loan. And I want to get an affordable payment. My private loans through Navient total over XXXX and this is going to force me into default which I can not allow to happen. I need help please!
Product: Debt collection

For over a year, Portfolio Recovery Associates has been calling me every single day. Early in the morning and sometimes during the weekend. It seems like we are already entering 2 years of them calling me. No matter how many times I blocked the number, they call through a different one each time. They even call in the evenings too. 

My debt already fell off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has improperly reported a charged-off debt as active and is attempting to double collect, which constitutes fraud under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Internal Revenue Code ( IRC ). If the debt was canceled or XXXX, XXXX was also required to file an IRS Form XXXX and confirm its cancellation status. Their actions violate federal laws and harm my financial standing. 

attached are : -ftc report -letter -credit reports before they were on and then, currently on
Product: Student loan

In XX/XX/XXXX and XX/XX/XXXX I worked with my XXXX XXXX XXXX Navient to agree to terms for a Forbearance. I live in the XXXX and spent much time on the telephone working out these terms. The agreement was that they will automatically deduct {$390.00} per month on the XX/XX/XXXX of each month from XX/XX/XXXX - XX/XX/XXXX, after which we will come to new terms for payment. So far, Navient has deducted the amount on different of each month : XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. This is every three weeks and not on the XXXX of each month. The problem is 1 ) this is not according to the terms of the agreement I made with Navient ; 2 ) this is every 3 weeks, not monthly ; and 3 ) this could cost me fees if my bank balance is overdrawn. Note that I have to wire money internationally from my XXXX checking account in order to get money into a US checking account to make payments. This is going to wreak havoc with my monthly expenses. I have been trying to call Navient for the last two weeks and have been unable to get through to a person. Usually there is a 20 minute wait time, and I can't afford to sit on the telephone for 20 minutes ( paying international rates ) waiting for a representative, not to mention the 10 minute it takes to repeat my information over and over to a robot and then to staff who usually can't help me and have to transfer me to someone else. Today,XX/XX/XXXX, I decided to wait it out and sit on hold, because I need to get this matter resolved. The first time I called, I was on hold for 10 minutes, then was put through to a representative who needed to transfer me to someone who could help me. He did and, in the process, disconnected me. I then called back, sat on hold another 10 minutes, got through to someone else who couldn't help me and transferred me to another representative. By then, I was out of patience at having to repeat my stats and contact information again. I then began explaining what I needed and that I had already been disconnected and could not sit on hold while paying international rates. He hung up on me. I then tried to use Navient 's system to send an email about my issue. I typed all of the above information, clicked on 'SEND ' and received an error message that the system was not working. I need Navient to correct my auto payment details to reflect the agreement that was made regarding withdrawl of payment on my account : XXXX should only be withdrawn from my account on the XX/XX/XXXX of each. This is unbelievable. They are absolutely contemptuous of overseas customers. They have made it literally impossible for me to alert them to the fact that there is a problem - and I will be the one paying for it in overdraft fees, which is absurd since it is Navient who is violation of the terms that they themselves stipulated - terms I have absolutely abided by.
Product: Credit reporting or other personal consumer reports

My credit report is showing accounts and items that do not belong to me. These inaccurate accounts need to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. This a second request to have them removed. I am not a credit repair company nor a mortgage company. Thank you.
Product: Mortgage

We have a mortgage with Ocwen Loan Servicing. We have been attempting to get a loan modification with them for more then 2 months now. We have sent them all the paperwork they require but everytime they call us they say something is missing. Then when we send them what they ask for they say something else is missing even though we ask them when we call if there is anything else required and they say no. The customer service reps have repeatedly lied to us saying things like we have not received this documentation so then when we email it they then say oh yeah we did get that but something is missing from it even though it is exactly what they requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information concerning TransUnion. I have previously complained of TransUnion 's illegal conduct under ID # XXXX. TransUnion has failed to conduct their required investigation in accordance with federal laws, specifically within 30 days ; and failed to delete items in accordance with my written instructions. TransUnion is in violation of my rights as a federally protected consumer.
Product: Debt collection

Incorrect Debt Collection Impacting XXXX  [ XXXX Customer Service ] , I am writing to urgently address a significant issue regarding a debt collection placed under my name, which is negatively affecting my credit report. Despite multiple attempts to resolve this matter over the phone, I have yet to see a satisfactory resolution.It has come to my attention that there is an account open under my name with XXXX that I did not authorize or create. This account has been sent to a debt collector, resulting in a detrimental impact on my credit score. I have made numerous calls to XXXX XXXX customer service department to request the cancellation of this unauthorized account, but unfortunately, my efforts have not been successful.I am deeply concerned about the implications of this incorrect debt collection on my creditworthiness and financial well-being. As such, I urgently request your assistance in resolving this matter. I kindly ask that you promptly investigate the unauthorized account in question and take the necessary steps to have it canceled and removed from my credit report.I have attached any relevant documentation. I would appreciate it if you could acknowledge receipt of this email and provide me with a timeline for when I can expect a resolution.Thank you for your attention to this matter. I look forward to your prompt response and assistance in rectifying this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., XXXX days ). Please let me know if you require anything else. Please take a look at the following items and remove them as these items are fraudulent : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX XXXX Balance {$340.00} XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$280.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balace {$0.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX Balance {$760.00} XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX Balance {$900.00} XXXX  XXXX Balance {$610.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Product: Mortgage

This is an update to the recording of appraisal in public records. The public records department was at my home on Wednesday, XXXX XXXX, I spoke to them on Thursday, XXXX XXXX and XXXX XXXX assessor has confirmed the measurements of the appraiser, however he has found that the measurements are less than what the appraiser measured. His findings are XXXX square footage. He has informed me that it will be legally documented by XXXX XXXX, on that day I will receive a email from him with the legal documentation of XXXX XXXX of XXXX in Pennsylvania. Once I have the email I will then print it out and fax it to Wells Fargo and I will send it to the CFPB. XXXX XXXX also informed me that it will not be viewable on XXXX line until one week or so later. If you have any questions in reference to this you may contact him his name is XXXX XXXX his phone number is XXXX, his email address is XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I  don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Debt collection

am writing to express my ongoing concerns regarding the debt claimed by this agency in the amount of {$10000.00} along with a move out date of XXXX XXXX discrepancies and inaccuracies in there records are causing unnecessary distress, and I am seeking a prompt resolution. 

I have provided comprehensive documentation, including : XXXX. A copy of my current leasing contract, effective XX/XX/2023. 
XXXX. A cashiers check made payable to the owner mentioned in my lease contract. 
XXXX. A utility bill generated at the beginning of XX/XX/2023 to establish residency. 
XXXX. Mail addressed to me at the previous address, as per your request. 

Despite my efforts to comply and the provision of a photo ID affidavit of truth, your agency continues to harass me for more information. I want to emphasize that my name is XXXX XXXX XXXX, not XXXX XXXX as stated in your validation letter. 

It is disconcerting that, after three separate investigations, your agency has been unable to reach a decision and persists in requesting additional proof. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) .I have also sent by email the laws they have violated and have not heard any response regarding theyre in accuracies I urge your agency to promptly and accurately assess the information provided and cease any further unwarranted harassment. I am willing to cooperate within legal boundaries to resolve this matter, but I expect fair treatment and adherence to the established laws. 

Please acknowledge receipt of this letter and provide assurance of a timely resolution. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX reported a collection account to my credit of XXXXThis is a false account reported to my credit and must be immediately removed I already tried to dispute this it wouldnt come off. Ive never been serviced by the original creditor XXXX XXXX it was opened XX/XX/2022 this is a fraudulent reporting and needs to be removed immediately or I will take legal action against Both companies and all three credit bureaus reporting this false account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts has Violated my rights. 
15. u, s.c 1681 section 602 A. States I have the right to Privacy.

15. u.s.c section 604 A. section 2. It also states a Consumer reporting agency can not furnish a account without my written Instructions. 
XXXX XXXX {$350.00} Delete XXXX XXXX XXXX XXXX {$830.00} Delete XXXX XXXX {$5800.00} Delete XXXX XXXX {$2400.00} Delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that  XXXX   XXXX  reported my account as a Charge off on my credit report when I was denied a loan by  XXXX   XXXX  due to the Charge off. I immediately contacted  XXXX   XXXX  by phone in an attempt to rectify the error. I was informed by the customer service representative that my last payment was received on    XXXX   XXXX   ,    2011  and that my account was reported as a Charge off on   XXXX   XXXX  ,  2011 . We both agreed that it did not make sense that my account would be reported as a  Charge  off 2 days AFTER my payment was received. At the time  XXXX   XXXX  reported my account as a  Charge  off, it was paid in full with a  XXXX  BALANCE. I have spent HOURS on the phone with numerous customer service representatives. The phone calls have been extremely frustrating and have not produced a positive outcome. Every representative has told me the same thing " due to the age of this account, they do not have account records and can not provide me with the information that I am requesting '', yet they refuse to remove the inaccurate information from my credit report. I was told that a Supervisors would call me back on  XXXX  separate occasions. To this day, I have not received a call back from a supervisor. I have sent numerous certified letters disputing the  Charge  off that is currently being reported on my credit report and negatively effecting my credit. I have asked for validation of my account including details explaining my why my account is being reported as a charge off with a   XXXX   balance. I have asked for them to send me a copy of my payment history along with account notes. The letters that I received in response to my letters have been a one paragraph response stating that " they only report accurate information to the credit bureaus ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

And I have identified information on My consumer reports that result in identity Theft. These items are not transactions is completed by me. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 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. 

Ftc report number XXXX Ftc report number XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ... .. 1 ) The description of the procedure used to determine the accuracy and completeness of the information. 2 ) Name, address, and telephone number of each person contacted regarding this alleged account. 3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4 ) proof they are authorized to collect the debt. They failed to provide any of the above information.THEY HAVE NOT RESPONDED TO MY LAST REQUEST THUS, BY LAW, THIS ACCOUNT MUST BE REMOVED FROM MY CREDIT REPORT.