23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This loan was never mine. I disputed with the credit bureaus and the lender keeps coming back verified. I have went the proper channels and now I am just fed up.
Product: Student loan

The people at Navient jacked up my payment and even though they have been taking money out of my XXXX account they say I 'm behind in payments.
Product: Debt collection

Debt was settled in 2010. Collection agency is using robo-calls to harass from number XXXX. Constant calls 3-4 times per day, always no voice on the other line, always immediately hangs up. When I contacted the company associated with the number it was the following : AvanteUSA, XXXX, TX. 

And they were attempting to collect an 8 year old debt that was discharged long ago.
Product: Student loan

Navient Will not let me add my bank account information, stating that a transaction was previously returned. This means I have to pay by debit card each month. On a phone call a couple months back they stated they could manually add my account for auto-pay. I went through the process over the phone, and at my next payment cycle the bank account had not been added. 

Some of my Navient loans changed servicers to XXXX. I have never made a payment to XXXX, but am receiving the same error on their site when attempting to add my checking account. I feel too much information was shared between these two companies regarding my bank account information. And it is also very difficult to set up consistent payments through both providers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts, XXXX, XXXX XXXX, XXXX, XXXX XXXX, have all violated my rights. 

I XXXX XXXX, Consumer, and natural person, am aware of all rights that I have, and which are protected by the congress under the fair credit reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Real Estate and Public Accommodation :
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REVIEWING MY CREDIT REPORT I SEE THAT CARE CREDIT CLOSED AND ACCOUNT. I HAVE NEVER APPLIED FOR A CARE CREDIT ACCOUNT AND IT IS NOW SHOWINF UP ON ALL OF MY CREDIT PROFILES. I AM VICTIM OF IDENTITY THEFT IN THE PAST AND THIS ACCOUNT APPEARS TO HAVE BEEN OPENED FRAUDENTLY. 
I NEVER PROVIDED THEM WITH ANY OF MY PERSONAL INFORMATION, HOW IS IT EVEN LEGAL TO OPEN AND ACCOUNT WITHOUT MY CONSENT OR KNOWLEDGE. 
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/year>2022 XXXX XXXX XX/XX/year>2022 XXXX XX/XX/year>2022 XXXX XX/XX/year>2022 XXXX XX/XX/year>2022 XXXX XXXX XXXX XX/XX/year>2022 XXXX XXXX XXXX XX/XX/year>2022 XXXX XXXX XXXX XXXX/2022
Product: Student loan

I have now submitted and been subsequently denied teacher loan forgiveness about 6 times now for reasons that continue to baffle me. They will list things are not there that clearly are, or that something isn't correct, that plainly is. I will call, they will tell me that it looks correct, and they will resubmit. Then I get another denial, for the same reason or another one. I will make any changes they wish, then get another denial for a previous reason. This latest denial I received on XX/XX/20 listed most all information in section 5 was missing. I doubled checked what I sent in, and section 5 is completely filled out. I don't even think they are looking! These loan forgiveness applications have a 99 % failure rate ... .99 %!!! They are not doing their jobs and cheating people out of programs they clearly qualify for and were counting on! Please help.
Product: Credit reporting or other personal consumer reports

What happened? 

Multiple student loans from XXXX have been inaccurately reported on my credit report. These loans should not be appearing on my credit report as they are protected under federal law. 

XXXX : - XXXX  XXXX XXXX from XXXX have been erroneously included on my credit report. 
- The loans were disbursed on the following dates : - XX/XX/XXXX ( Loan XXXX ) - XX/XX/XXXX ( Loan XXXX ) - XX/XX/XXXX ( Loan XXXX ) - Each loan has a specific loan account number and amount. 

Actions taken : - I have not taken any actions regarding these loans, as they are protected under FERPA ( 20 USC 1232g ( b ) ) and should not be reported on my credit report.
Product: Money transfer, virtual currency, or money service

A year or less ago cash app charged me money for something I did not buy I could not get my money back so I stopped putting money on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXXXXXX XXXXL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX made a hard inquiry to my Experian credit report on XX/XX/22 and XX/XX/22. I have no relationship with, have not applied for any products from, and have not granted credit report authorization to XXXX Bank. Calls to the bank on this matter went unanswered. 

Experian said they don't allow disputes to be made of inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC1681 US Bankruptcy court ID # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX bank # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my right. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have right to privacy.

15 U.S.C. 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not reporting 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 items of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681 S-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: Debt collection

Harassment! Calls up to 10 times a day from the same number XXXX XXXX XXXX XXXX, or different numbers, leaves blank messages, with nothing on them. Sometimes calls from other numbers. I have blocked their number, I have called them and they were extremely rude on the phone, and refused to send a validation letter to me.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian, XXXX, and XXXX regarding issues related to the verification of identity for a fraud alert placed on my credit reports. 

1. Verification Questions : Both Experian and XXXX have failed to provide valid verification questions or questions that match the information on file. This has resulted in difficulties in verifying my identity and accessing my credit reports securely. 
2. Phone Number Update : Despite multiple requests, the phone number associated with the fraud alert has not been updated with the bureaus for verification purposes. This has led to further complications in the verification process. 
3. Inability to Temporarily Remove Fraud Alert : All three bureaus, but primarily Experian and XXXX, have been unable to temporarily remove the inaccurate fraud alert placed on my credit report. This has resulted in delays, denials, or conditional approvals for various financial transactions and applications. 
4. XXXX Identification Software Issues : XXXX identification software has failed to verify my identity accurately, leading to delays, denials, or conditional approvals similar to those experienced with Experian and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account has violated Account XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX security credit service has violated 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
Product: Debt collection

XXXX  XXXX XXXX, XXXX has not only called several times, they have now sent letter via USPS received today, XXXX. I have advised them to cease and desist this is not my debt. However they continue to reach out, trying to steal monies. They claim that the debt is from XX/XX/year>. I have written a letter today to advise them again to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company discovered a breach of personal information onXX/XX/XXXX and did not report it to the public until XX/XX/XXXX. Meanwhile there is someone putting inquires on all my credit reports because they have my information and the company has failed to inform me or anyone of that matter. It took 6 weeks for myself and other consumers to find out, while in the meantime credit reports and scores are being affected. On top of that in there findings 3 executives decide to sale there share of the company and protect their self and personal information has been compromised. These unauthorized inquires should be removed.
XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc. XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX
Use Credit Union Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc. XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Bankcard XXXX Inquiry from XX/XX/XXXX
Product: Debt collection

Covid and divorce happened. they call 9-10 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit bureaus are still reporting these unauthorized disputed accounts due to identity theft. I'm demanding that these reporting agencies provide a Method of Verification of their investigation or as stated within the FCRA laws these accounts shall be blocked immediately. 

1 ) XXXX XXXX XXXX {$240.00} 2 ) XXXX XXXX XXXX {$3600.00} 3 ) XXXX XXXX XXXX XXXX   4 ) XXXX XXXX 5 ) XXXX/XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX XXXX 8 ) XXXX XXXX {$240.00} 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX   {$150.00}
Product: Debt collection

On XX/XX/23 I got a copy of my consumer report and there were some inaccurate items being reported. National Credit adjustments- XXXX and XXXX XXXX. I requested proof of these alleged debts based on 15 USC 1681i ( a ) I never received any correspondence in relations with these accounts. I also noticed that the dates are not matching up with all agencies involved. I have included evidence of these inaccuracies along with this request. If you can verify these accounts then I want a copy of the evidence used to verify these items.
Product: Money transfer, virtual currency, or money service

We recently decided to give Wise a try. 

On XX/XX/XXXX, we sent money via XXXX transfer # XXXX through Wise. As of XX/XX/XXXX, our supplier that we have previously done business with has not received the payment. 

We started to contacted Wise on XX/XX/XXXX about the delay. We were told to wait to reach its destination. 

Today, they referred me as XXXX in their response email which is not my name. We are just getting generic responses from them.
Product: Debt collection

I had cancelled XXXX phone line XXXX years ago, but kept the line for my daughter to use XXXX. We cancelled this line after paying in full at the beginning of this year. I 've endured numerous phone calls from XXXX XXXX since. I 've been told the XXXX number was on hold due to my being XXXX but had recently been re-activated ( I never have been in the military and never told them this ), and I 've been told I owe everything from {$100.00} to {$16.00} to {$47.00} ; sometimes their reps were rude and aggressive. Every time I called them, I had to wait on hold, sometimes for over an hour, to speak to a service rep. and each time I called I got a different story and a different payment amount. Each time I called, I requested and was promised documentation of the call. Sometimes I requested and was promised an email which of course never arrived despite repeated follow-up calls on my part. XXXX XXXX just kept sending me bills in different amounts as if I 'd never called. Now it appears that XXXX XXXX has engaged the services of Chase Receivables, a XXXX XXXX XXXX in XXXX, CA who have written with a demand for payment. I sent them a request for documentation and received no response. I then sent them a formal dispute of this charge and wish to ensure that my credit rating is not affected negatively. I cancelled my accounts and paid in full, only to have XXXX XXXX continue to attempt collection in various amounts over the course of over 4 months. I simply do not owe them this money and they 're just hounding me until I give up and send them a payment to make them go away. Disgusting way to treat a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX MS XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Credit reporting

Experian states they have " verified '' bankruptcies through public records on my credit report. The bankruptcy court does not report to credit bureaus, therefore Experian can not legally verify bankruptcies on my credit report. An employee looking at a computer screen on an Internet database can not legally verify a public record.
Product: Credit reporting or other personal consumer reports

I am worried because Chase I feel is reporting inaccurate information on my report and want them to double check this.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received a letter of my credit report with the intention are trying to improve my credit and take care of my responsibilities. Noticed a few accounts that I wanted a little more explanation on. The information needs to be 100 % accurate. I also read the Fair Credit Reporting Act where the law states that I have a right as a credit consumer to challenge anything inaccurate. The information needs to be 100 % accurate. The Fair Credit Reporting Act law states that I have a right as a credit consumer to challenge anything inaccurate. 15 U.S.C Sec 1681i ( n ) states that the correct information provided to these accounts must be accurate. if these accounts are, inaccurate or improperly reported, they must be deleted. The credit consumer saw your lawyer and stated that there is a 30-day window to complete this investigation. Please investigate the information on the accounts and remove them if anything is inaccurate or incomplete. 

Account Name & Number XXXXXXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX INFORMATION SERVICES, LLC for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX INFORMATION SERVICE, LLC for its repeated failure to remove inaccurate Inquiries information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. INACURATE INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EQUIFAX INFORMATION SERVICES , LLC has failed to comply with the law and has retained the inaccurate account information., EQUIFAX ALWAYS RESPONDS AUTOMATICALLY AND DOES NOT PAY ATTENTION TO THE EVIDENCE THAT IT SENT. The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of EQUIFAX INFORMATION SERVICES, LLC to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EQUIFAX INFORMATION SERVICE , LLC for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EQUIFAX INFORMATION SERVICES, LLC upholds its obligations under the law. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/2016 ( {$1600.00} ) XXXX XXXX XXXX ( {$2400.00} ) ( XXXX ) XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX  ( {$520.00} ) XXXX XXXX XXXX XXXX  ( {$240.00} ) ( XXXX ) XXXX XXXX XXXX ( {$17000.00} ) XXXX 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