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

I pulled copies of my credit reports and requested a reinvestigation per 15 USC 1681i to each of the three credit bureaus ( XXXX, XXXX and TransUnion ) and I made them aware of inaccurate and incomplete information but it still hasn't been resolved up until now. I followed up with a method of verification per 15 USC 1681i and am documenting it here.
Product: Credit reporting or other personal consumer reports

I am writing to seek assistance regarding my Kikoff account, which I have been locked out of for several months. Despite multiple attempts to verify my identity through facial scans and photographs of my ID, I have been unable to regain access to my account. 

As a result of this situation, I have experienced late payments that are negatively impacting my credit score. I would greatly appreciate any support you can provide in resolving this matter and restoring access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Vacation 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
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it concerns, I have moved over the last few years because of harassments in local area. 
After being over charged and given outrageous premiums for insurance, I questioned what sources they are looking at and I was told lexisNexis out of XXXX GA. 
I contacted them out of concern and they told me they can only do one thing and that is to send me a copy of my report.

When I received the report i was in shock, they have been keeping data on me and sharing personal information on me for 30 years. 
This can not even be legal. This looks like a life time social credit score on me. 
I want this information taken off their records and allow them to keep the legal amount of years which I believe is 7 years. 
Please advise me how to go forward and receive fair treatment by insurance and other companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

I have numerous times, stating the day I opened the account, that I did not want to be able to overdraft, yet it happens all the time and then Im charged overdraft fees like crazy. I have repeatedly with customer service asked this to be rectified and they make excuses and say they will fix it.
Product: Debt collection

Tried to call company and ask for information about debt. Caller took down my information and explained to me the debt which was fine. Then I started asking credit information as far as will it be removed from my credit report once it is paid. She told me that they made several attempts for me to pay the debt and I would not so therefore they are not going to take it off my credit report even after I pay it. I told her, I never heard of that, usually if you pay it they will take it off your credit report unless it is public records. She said I need to do my research, got mad at me for disputing what she told me and hung up on me. So I called back to try and talk to another rep. I explained to her what had just happened and she was being just as rude and told me the reason why she hung up on me is because They Are Busy. I told her they are rude and do not worry about it and I hung up. Then I called back just to get the company name.
Product: Credit reporting or other personal consumer reports

the IRS sent me two letters saying I owed back taxes in the amount of XXXX dollars between the years XXXX to XXXX. I informed them that it's false because I have not worked in over 10 years. I currently receive VA compensation and that is federal money and is exempt from taxes. I have been receiving this for over 10 years. I reported the IRS to my state congressman, and the IRS dropped the case informing me that someone has stolen my identity in an official document. I informed XXXX that I was the victim of identity theft and that I wanted XXXX accounts removed. The disputes came back as verified accounts belong to me.
Product: Credit card

On XX/XX/year>, I received an alert from Capital One, XXXX, XXXX and XXXX XXXX of a new inquiry on my credit report via email. I have excellent credit and no reason to inquire about any new inquires. I called Capital one that day and they directed me to XXXX. 
I called XXXX on XX/XX/year>, to reported to all XXXX credit agencies and freeze my credit profile. XXXX confirmed that I did receive a hard inquiry from Capital One. 
I called Capital One back and spoke with a woman that confirmed the account and turned it over to their fraud department for investigation. I already have an account with Capital One. I've had it for years. It is currently at a XXXX balance. XXXX XXXX advised they would investigate and remove the inquiry. They also claimed the credit agencies will be notified. which can take XXXX days. Meanwhile my XXXX XXXX has gone down XXXX points. I need this issue corrected ASAP.
Product: Student loan

My mother, an elderly ( XXXX ) XXXX  XXXX, was taken advantage of by a former student, facilitated by the predatory lending practices of the lenders, initially to cosign on a XXXX  loan with encouragement from the lender and then she was duped into allowing the lender, Navient to make direct withdrawals from her bank account to make payments on the student loan. 

Navient directly withdrew the payments from my mothers account from XX/XX/XXXX through the end of XXXX. We discovered the withdrawals in XX/XX/XXXX and immediately contacted Navient and insisted that they cease the withdrawals, yet they continued to make withdrawals for two more months. We then entered a stop payment order with my mothers bank yet Navient contested that stop payment order even knowing that they were not authorized to make such withdrawals. 
Navient engaged in predatory lending practices by directly facilitating the taking advantage of an XXXX XXXX XXXX in order to receive payments on the XXXX  loan when it became apparent that the borrower was not willing or could not make payments. Navient admitted to us that it in fact talked with my mother in XX/XX/XXXX at which time Navient laid out the options for her assuming responsibility for the loan payments. In doing so, Navient directly participated in taking advantage of my mothers compromised position. Navient knew that my mother had no familial relationship to the borrower. Instead of encouraging her to assume responsibility for the loan, Navient had the responsibility to explain the borrower 's right to loan forgiveness and to inquire further as to my mothers ability to make that decision to assume payments on the loan. My mother had no legal obligation to assume those loan payments, but Navient willingly accepted those payments despite her position as a XXXX XXXX  who lacked the means to make those payments without adversely affecting her own financial condition. 
Navient failed to exercise due diligence in investigating my mothers capacity to make direct payments on behalf of the borrower. The result was that Navient participated in and facilitated the fraud against her. At the time Navient pressured my mother to assume responsibility for the loan, Navient had written documentation that my mother was living on a fixed income and lacked the means to make the payments without jeopardizing her own financial condition ( copy enclosed ). Navients actions were irresponsible and constituted predatory lending practices. 
We have reached out directly to Navient, but they refused to come even close to making my mother whole for losses from their wrongful withdrawals for more than 10 years from her account. They offered to return to her only about 20 % of what they took from her. 
We ask that Navient be ordered to repay my mother all monies that Navient withdrew from her account, with interest.
Product: Debt collection

This debt is fraudulent and this account is over XXXX XXXX XXXX, and had been removed from my credit report. Now it magically reappeared. I disputed it with creditor, XXXX online and a dispute letter. They claim it's mine, but no proof has been sent to me to the fact. I want to mention that XXXX XXXX  XXXX is facing a lawsuit due to incorrect billing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX we filed a XXXX  XXXX bankruptcy and then in XXXX  we attempted to convert to XXXX  XXXX but had it dismissed. Equifax is the only credit agency reporting this incorrectly as a XXXX XXXX  XXXX when it is not. It was dismissed. I have provided documentation multiple times showing it was dismissed and it has not been investigated thoroughly and updated to reflect the correct status. I have disputed this inaccuracy 5 times without any relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, 1XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any  and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block, inc. ) Due to inadequate customer service customer service and unfair practices, which violate the conssumer financial act ( CFPA ). Specifically, cash app failed timely effected measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. This actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX has violated my rights. 

And according to the fair credit reporting act Whenever 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item 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, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

I believe I have been getting false reports starting with a mortgage from PNC BANK that is not mine. Also, it seems to be someone trying to apply for loans or credit card under my information without my permission. I do not know who is doing this that is why I am reporting this dispute. 
The following accounts is PNC BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We complied with a chapter XXXX. Once we received our release the bank states we are behind a month on our mortgage payment. I stated to the bank this can not be and followed proof. Till this day the bank is still not honoring my request to update and make us current on our mortgage payment. I filled a formal complaint with the state commissioners office for financial institution only a month ago.
Product: Credit reporting or other personal consumer reports

It was reported on my report as of XXXX XXXX that my account was XXXX days late and balance was {$430.00}. This information is incorrect. I am currently XXXX days late for {$50.00} and my balance is only {$230.00}. This is unfair reporting.
Product: Credit card

I am requesting that Comenity Bank provide the advertised XXXX XXXX status to me. In XX/XX/year>, Comenity Bank invited me to apply for the XXXX XXXX card and promised me XXXX XXXX status for spending {$5000.00} in the first 90 days outside of a XXXX XXXX  destination, so I applied. Comenity Bank approved my application. I spent {$5000.00} in the first 90 days outside of a XXXX XXXX  destination. Comenity Bank did not provide me with XXXX diamond status.
Product: Student loan

From 2008 till 4 months ago I thought the only option I had was forbearance. Navient said my payments would be between 50 to 95 % of my XXXX only source of income. Recently got on XXXX $ monthly IDR. More than {$30000.00} interest added.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 resent request to remove XXXX account information that had not been verified/investigated per FRCA. Original creditors ( XXXX XXXX ) admit to not having information regarding account in question.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

I had a credit card through XXXX XXXX with a {$92.00} balance that was paid in XX/XX/XXXX through an escrow payment when we were closing on the purchase of our new home. In order to avoid late fees, I also paid the balance through the XXXX app understanding there would be a {$92.00} credit that would be reimbursed to me because the account was closed. I had not used the card in years and the {$92.00} charge was the yearly renewal fee for the card. My statements showed a {$92.00} credit in XX/XX/XXXX and XX/XX/XXXX. I received a {$92.00} check from them in XXXX and understood that completely closed my account because the balance was now at {$0.00}. 

In XX/XX/XXXX I received notice that I had a derogatory mark on my credit from and saw that it was from XXXX. After calling them, they stated that there was a {$92.00} balance from XXXX and could not answer any questions as to how that was possible. To avoid further damage to my credit, I pad the erroneous late fees totaling {$160.00}. 

Attached are the pictures of the statements that I received - there is a statement in XXXX and XXXX showing a {$92.00} credit to my account and {$0.00} available credit because the account was closed. In XXXX the statement showed a {$92.00} balance. I never used the card and it is impossible to go from a {$92.00} credit to a {$92.00} balance with {$0.00} available credit. 

I made a request to XXXX in XX/XX/XXXX that the derogatory marks be removed from my credit given that the charges they were charging me a late fee for were not ever actually charges made and that my account should have had a XX/XX/XXXX balance after the received 2 payments for {$92.00} and refunded me one of them. They rejected my request with no supporting information. 

I also made the request to XX/XX/XXXX and Equifax and they also denied my request. 

I do not even want the money back that I paid to XXXX for the erroneous late fees, I simply want my near perfect credit restored.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed had i had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have provided proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to paid as agreed on time as they should. this is negatively impacting me and my family trying to purchase a home and is unacceptable. ( see SS below for months XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ) also, this company has changed its reporting back date multiple times causing a lot of people to miss payment
Product: Debt collection

XXXX XXXX XXXX HUNT & HENRIQUES are harassing me & sending unverifiable statements, unsigned applications & other unverifiable paperwork. I recently submitted a complaint against this company for harassment & they continue to harass me. I informed them I was a victim of identity theft & submitted a police report & other verifying proof of the matter. They are infringing on my legal rights under FDCPA laws. I'd like them to cease all communication with & stop harassing me. If they continue to pursue this matter I will be seeking a legal remedy against them & XXXX. XXXX.
Product: Debt collection

I received a call from an unknown number stating that I had been attempted to be serviced a legal suit. They gave me a number and told me to call them and have them update my information. They claimed to be from XXXX County. I called the company. I spoke with XXXX he said he represented HSBC and his office would be taking legal action against me if I could not pay XXXX and change that day. He said that if I could pay half his firm would front the other half because the client expected ASAP. When I said I want to consult my lawyer he became enraged and threatened immediate action against me. The next person I spoke with XXXX XXXX said he would take a lessor amount and that HSBC agreed to it. When I called HSBC they have no further records of the debt nor did XXXX XXXX. XXXX continued to give mistruths and when I asked for proof of the debt ownership he sent me a contract with stale dated information and increased the debt to XXXX and wanted me to agree. I am very concerns this company is a scam and not the true holder due to all of the lies given within the conversation. They sent me routing information to make a direct deposit into their account.They claim to be XXXX with XXXX XXXX as the Director of Litigation. Please help me get to the bottom of this.