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

I am a victim of identity theft stemming from the XXXX and XXXX data breaches, where my personal information was compromised and misused without my knowledge or consent. On XX/XX/XXXX, XXXX publicly revealed that a significant data breach had occurred on XX/XX/XXXX, due to hacking. In a revised announcement in XX/XX/XXXX, XXXX confirmed that all three ( 3 ) billion accounts were affected, compromising the names, email addresses, phone numbers, birth dates, passwords, calendars, and security questions of its users. My XXXX email address ( XXXX ), which I primarily and actively used from XXXX to XXXX, was among those compromised. Additionally, on XX/XX/XXXX, XXXX disclosed a major data breach that occurred between XXXX and XX/XX/XXXX, exposing consumer data including names, addresses, phone numbers, email addresses, and other sensitive information. As a result of these breaches, I have reason to believe that my personal data has been used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal auto loan with XXXX XXXX XXXX on XX/XX/XXXX, a personal credit card account opened with XXXX BANK on XX/XX/XXXX, a personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX and hard inquiries with XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX on XX/XX/XXXX and with XXXXXXXX XXXX XXXX on XX/XX/XXXX. 

These accounts have resulted in several fraudulent collections, charge offs, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I navigated to the Experian website to temporarily un-freeze my account so that a vendor could verify my credit history. I was unable to log onto www.Experian.com, although I could log onto www.experianidworks.com. The ID Works site would not allow me to unfreeze my account, and I was unable to log onto the Experian.com site so that I could unfreeze there. ... The " forgot password '' function did not recognize my information ; however, if I tried to set up a new account the site said " account already exists. '' ... I called customer support, and got the same error message with their assistance. Customer support said I needed to talk to someone else " by phone '' ( I was already on the phone ), and they transferred me to a generic auto attendant to enter information that I'd already provided. ... I tried a handful of other numbers and got the same auto attendant. It kept redirecting me to the website, or offered to follow up by mail. At no time could I access a live person. ... So, I spent about 2 hours in circular customer support directing me to the same sites and auto attendant that did not fulfill the need. ... I finally reached out to Experian via XXXX and got a message " we're gone for the day ''. ... After several hours of this mess I gave up. I can not unfreeze my Experian account, and this has caused problems with setting up a new account with an ISP, so I can't yet get Internet service at my new home. And this mess just a day after selling and buying a house/condo all in one day. I can do major transactions easily but can not do a simple unfreeze and its messing up my life.
Product: Student loan

Mohela has told me that they do not have permission to count payments from XXXX to XXXX. That say navient my original loan service records a consolidation in XXXX but indicates no payment from XXXX to XXXX which mohela notes is strange. But they wait for federal student aid to give permission to count below XXXX. Federal student aid has not acknowledged my requests. The ombudsman can not help me. My XXXX XXXX XXXX tried to intervene but no avail. This has been going on for 2 years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2019 THIS ITEM LISTED ON MY CREDIT REPORT IS REPORTING A 30 DAY LATE. 

THIS COMPANY HAS FAILED TO VALIDATE THE 30 LATE, AND ITEM IS NOT CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus have information on my consumer report that I'd never authorize. I've sent in numerous FTC reports to each ( Equifax, XXXX XXXX XXXX ) However they are conducting an investigation due to the erroneous items allocated. Creditors such as ; XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Violating my Consumer RIGHTS each creditor has failed to provide my right to privacy 3-disclosures under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT-OUT. It also violates Gramm-Leach Bliley ACT which is enforce for all Financial Institutions to protect the consumers information.

Having the right to do so, unfortunately creditors believe that it's somehow law to furnish your information to a 3rd non-affiliated party without your permission. That is indeed Fraud & Identity Theft sharing or using someone's information
Product: Debt collection

To Whom It May Concern, I am having an ongoing issue with XXXX XXXX XXXX  ( XXXX ) over an account which was created without my authorization. The account is not mine and has been duly reported to XXXX and the police, including an identity theft affidavit. 
XXXX refuses to remove the account from my consumer credit files and has stonewalled any lawful investigation into its removal. The data is listed on the derogatory section of my consumer credit files under personal culpability when it is not even mine. i am asking this agency to oversee the contact and removal of this account from my reports within the 30 day guidelines under Fair Debt Collection Practices Act rules and in accordance with the Fair Credit Billing Act. 

It is not mine and I should not have this marring my files for their lack of security in issuing a card used by identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond in 30 days, but have not. Our follow-up letter has also been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is purposely reporting my student loan with XXXX, XXXX, and XXXX in a negative status. Nelnet is reporting the same negative account 4 times on all three credit bureaus which is an F.C.R.A ( furnishing and reporting old information, furnishing and reporting Inaccurate Information, and mixed files )! My only loan with Nelnet was added to my Bankruptcy that was filed on XX/XX/2010 at XXXX XXXX. After 9 years Nelnet still reporting negative on my credit reports. I am furnishing proof of my complaint against Nelnet.
Product: Credit card or prepaid card

American express closed my credit card account. I found this out today logging online while the card shows it is valid tillXX/XX/XXXX. This card was booked in XX/XX/XXXX I have a XXXX   fico  and never had credit issues but AMEX for whatever reason gave me a student line and never bothered to increase it. While there is no denying that AMEX card is the least preferred in my wallet as I never know if I would get declined for my purchases, I am not happy that they terminated the card without an email or a call explaining why they are closing this account. I would need help to re-instate this card.
Product: Payday loan, title loan, or personal loan

Ive had a Grain account for about XXXX XXXX XXXX. Ive never had problems using my app until 2 months ago. Since then it has been XXXX making a payment. I emailed last month and got help from a representative to make a payment. However, I still have not been able to use my app. Moving forward, this month I still cant access my app or make a payment. Ive emailed 4 times with no response. First time emailing was XXXX  days ago last time was today. I need help with restoring my app and making a payment before my payment is late. Its ridiculous that I have to resort to this method in order to get some assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint in reference to Acima kept reporting my account as 30 days late. For over 4 months, after I was told they would not report my late payments because I had loss my job because of XXXX a natural disaster. They responded that I declined a deferred arrangements with them on XXXX XXXX which is not true. I am requesting a copy of that phone call where I said I did not want to keep my credit straight by doing this. If I would have done this then I would not be in the situation I would not keep filing complaints against them. I had a 24month lease which I paid off within 7 months. They also said that it is only on XXXX well it do not matter weather they do one Credit Bureau or ALL 3 it is still harmful to my XXXX account. Late payments does matter and it show a person is not paying their bills. I didn't pay the bill, my fault that we had a natural disaster and I loss my job and had to file for unemployment and once I received it I paid the account off. I WANT THE PHONE CALL, SINCE THEY RESPONDED THAT THEY LISTEN TO THE CALL.
Product: Credit reporting or other personal consumer reports

This would be my 5th follow up letter, demanding XXXX and TransUnion to DELETE these accounts immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX  These arent mine and I dont owe them any payment. They both showed 2 different information in terms of Date Opened and Last Active. The information was incoherent, incorrect and inaccurate to me. Kindly delete them on my credit report now!
Product: Credit reporting, credit repair services, or other personal consumer reports

Long story short : Problem : -reported fraud to company and credit bureau back in XXXX - Answer : debt collection initiated- - contacted both intities a several occasions- - never any fraud paperwork filed on my behalf Through the next 17 years up to current i XXXX XXXX XXXX have acquired two prepaid accounts XXXX credit cards ) XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX. 

Several accounts and many hard inquiries continued to blemish my credit. XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX, Bank accounts : XXXX  XXXX XXXX, XXXX XXXX, etc. 

And many prepaid cards received via my home address XXXX XXXX XXXX XXXX tx XXXX on other individuals email accounts. 

And 20+ email accounts breached with/ result of no longer able to sign in again And in XXXX after disputing all activity and accounts nothing has been removed from my credit / even when letters have been received via emails that say everything has been deleted. Im at my end without credit for 20 years and my unemployment has been taken from me with an account with my credentials im not understanding why the id theft has not been fixed. 

Experian credit customer service its values and regulations out weigh productivity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two debts listed on my credit report with Capital One. One in the amount of {$650.00} and another for {$410.00}. Both accounts show as written off and both accounts were settled in full. The problem is the company stated that these accounts were written off in 2022. I never received a 1099 C form. The creditor must file a 1099-C the year following the calendar year when a qualifying event occurs. A creditor must provide me with a copy of the 1099 C form by XX/XX/XXXX so that I would have it for tax filing purposes. Capital One had failed to do so. Also the debts are showing on my credit report as owed when 30 days has passed and my credit has not been updated. Please remove these accounts from my credit immediately.
Product: Vehicle loan or lease

In XX/XX/XXXX I called Carmax XXXX XXXX and advised them due to my permanent injuries I had been out of work and needed to get a payment deferred because I did not want to pay my account late and 5 months into my loan i had never been late on my account and didn't want to pay it late. They would not help me at all they forced me to make a payment from my checking account which my bank covered it processed and later kicked back out which Carmax kicked it back because of the name difference on my account. My loan consisted of my married name and my checking account listed my maiden name. So two months after the bank covered and processed the payments Carmax kicked them both out causing me to be 30 days on each payment. In XX/XX/XXXX I faxed them a letter from my bank on letterhead i was told that someone was looking into and it would take 30 days to fix. Now last month I made another check payment for two payments and they have again did the same thing. I am not two times 30 days late and one time 60 days and this is killing my score. prior to this I have not ever been late on my loan. Even when I pleaded with them to help me out do to be out and under dr 's care they would not.
Product: Debt collection

My husband and I keep getting calls from number XXXX. They keep asking both of us for personal information such as phone numbers, mailing address, birth date, and SS #. We do not give them this information but ask them what the call is regarding, They get rude and say they can not tell us that information until we give them the personal information. 
We both have pulled our credit reports and there is nothing on the reports to indicate a past debt is due for anything. 
I XXXX  the number and it looks like it is a scam number acting as a debt collector for debts that do not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian would not provide my free credit report through the US government system which forced me to purchase it for {$1.00} through their system. 

After accessing my report, Experian signed me up for their for " Experian CreditWorks Plus '' without my consent or notification using the credit card I used to make the {$1.00} payment. 

Experian also insists on sending me emails that are essentially marketing emails that I can not opt out of because they claim they are " important account information ''. 

Experian 's behavior is unethical and borderline fraudulent. I should have access to a free credit report which Experian denied through the established system and I should not have to worry about being charged for unnecessary products when I am forced to pay for a product that is free by law. 

Note : This is the first complaint I have made against a company because I feel Experian 's conduct is not appropriate given they are an organization that I am forced to have a relationship with given the authority the US gov't as bestowed upon them. They act as one of the main wholesalers of my financial data, which I have no choices in limit their access. 

Regards, XXXX XXXX Experian member ID : XXXX Date of issue : XX/XX/2018 to present
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experiencing depressions and Hardship i have a my personal information stolen i have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of there ability with maximum accuracy. I have never been late for payment for any of these accounts. ( XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provide I demand these payment be updated to on time as they should be as I was never late.
Product: Mortgage

Ocwen/PHH. The whole company should be shut down by the US Government!!!!! Everything in current pending law suite we have experienced!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Navy Federal account # XXXX have violate my federally protected consumer rights. Under 15 U.S. C.1681 section 623 of the FCRA and Regulation V that a creditor must not furnish inaccurate information to a credit reporting agencies. Navy Federal did not investigate this dispute to confirm that the information is accurate. I am writing to dispute and request the removal of outdated information from my credit report, as provided for under Section 15 U.S.C. 1681p of the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from XXXX Credit Bureau, I have identified information that is no longer relevant and should not be included in my credit history. Under 15 U.S.C. 1681 section 602A, I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity.
Product: Credit reporting or other personal consumer reports

Accounts on my credit report that I didn't Open : 1. XXXX XXXX secret {$470.00} 2. XXXX XXXX {$590.00} 3. XXXX XXXX XXXX {$600.00} 4. XXXX XXXX XXXX {$480.00} All the other accounts on my credit report were open by me. But there was also a lot of hard Inquires that were not done by me that needs to come off my credit report
Product: Mortgage

I had a negative experience with Caliber Home Loans. I first received a notice of delinquency from the County Assessors office in XXXX XXXX, indicating that my property taxes had not been paid for the XXXX property tax year. I contacted the lender several times, and was unable to get a clear answer on the situation. I was assured multiple times that they would be handling the issue, and paying the taxes, and that I would not be responsible for any late fees, and penalties as a result of this situation. 
In XXXX XXXX, I received a certificate of redemption from the tax collectors office, stating that my taxes had finally been paid. However, after receiving the Annual Escrow Account Disclosure from Caliber Home Loans, I realized that they had paid the XXXX taxes, in addition to the late penalties, from my escrow account. I am not responsible for any late penalties accrued, due to late payment of the XXXX property taxes. I contacted Caliber Home Loans to let them know that they had erroneously withdrawn late penalties from my escrow account, and that I should not have been responsible for their mishandling of my account. In discussion with customer service, and after their refusal to allow me to speak to a customer service supervisor, I was told that the reason the taxes were not paid was due to the false allegation, that I had supposedly given them the wrong lot number for my property. Caliber Home Loans acquired my loan from XXXX in XXXX of XXXX. Caliber Home Loans paid the XXXX taxes upon receiving my loan, without issue. All the necessary information pertaining to my property is on the trust deed, which they 've had since acquiring my loan from XXXX. 

In addition, as a result of their mishandling of my escrow account, the new Annual Escrow Account Disclosure statement activity for the next 12 month cycle indicates an unrealistic shortage amount, which is not in accordance with RESPA recommendations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XXXX XXXXXXXX account number XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my SSN Card.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Vehicle loan or lease

I purchased a used XXXX XXXXXXXX XXXX from XXXX in XXXX for a little over {$17000.00}. While I was told the interest rate would be at 16 %. Upon reviewing the documents after signing and home with the car I found out the interest was 28 %. After XXXX payments of {$520.00} per month plus their {$5.00} fee to take a payment, American Credit Acceptance has been paid {$33000.00} dollars. That's less than {$25.00} double the asking price of the vehicle and more than what a brand-new fully loaded top-of-line XXXX XXXX cost today. I have called them complaining and each month instead of the payment owed going down, it increases with my car loan scheduled to end in XXXX of this year. The principal balance that remains on the loan is a little over {$7000.00}. Meaning, that of the {$33000.00} I have already paid, only {$10000.00} XXXX  went toward the principal and the rest in interest. This is highway robbery and dealers should be required to explain this rather than summarize and point to the x on the contract asking for your signature. I would like something done about this because I am now less than 69 days behind and they're threatening repossession. Not only that, they're demanding {$7000.00} a little more to lay the car off on a XXXX loan scheduled to end this XXXX, and if laid, I would have paid over {$40000.00} on a {$17000.00} loan for a XXXX XXXX XXXX XXXX XXXX