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

EQUIFAX, XXXX, XXXX ARE REPORTING FRAUDULENT INQUIRIES ON MY CREDIT REPORTS I HAVE ATTACHED FTC FORM SHOWING THE FRAUD PLEASE UPDATE MY CREDIT REPORTS
Product: Payday loan

This loan is illegal in Florida as they are not licensed in Florida, charged far above allowable interest in Florida as well as gave loans far above the allowable maximum of {$500.00}. I have since revoked my ACH ( too early to know if they will abide ). 

Also, I have advised them that the legal amount that could have been charged to my loan is the principal amount, even IF their Internet pay day loan were legal anywhere in the U.S.. I am willing to pay the principle amount of the loan only, however, this means I am entitled to a refund of any interest I paid on all loans with your company. This means all of the following loans from the past : For example : **For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$1000.00} and have paid {$580.00} to date. 
**For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$800.00} and have paid {$1200.00} to the loan, so you owe me {$450.00}. 
**For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$800.00} and have paid {$1000.00} to the loan, so you owe me {$200.00}. 
**For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$750.00} and have paid {$1000.00} to the loan, so you owe me {$260.00}. 

- for the loans from XXXX/XXXX/16 to today alone, you owe me {$500.00} back in overpaid interest ( what I overpaid in past loans less what I owe on the current loan ) t!!!!!! This does not include all principal for loans over {$500.00} ( as that is the maximum allowed in Florida )
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX XXXX am a victim of identity theft. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX have egregiously fraudulent accounts on my credit profile that need to be removed, immediately.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
I want the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not liable with XXXX. i do not have contact withIXXXX XXXX XXXX  they did not provide me with the original contract as i requested. 



Im not liable with THE GENERAL IN. COMPANY. i do not have contact withI.CREDIT COLLECTION SERV they did not provide me with the original contract as i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2014 I tried to have my credit report freeze with Experian temporarily lifted so I could get a credit increase on my credit card with XXXX XXXX. I repeatedly and tenaciously attempted to do this both online and via telephone. The Experian website offered me a P.I.N. that I could give to my bank to temporarily unlock my credit report, but my bank told me that they could not use a P.I.N., and that I should call Experian for assistance. 

Contacting Experian has been time consuming, frustrating, miserable, fruitless and IMPOSSIBLE! Experian is wasting my time, depriving me of the credit that I deserve, and XXXX me off. The government ought to put Experian out of business tomorrow morning. 

First I had to go on a treasure hunt for a telephone number to contact Experian, because a telephone number is either very well hidden or else nonexistent on the Experian website. I used several telephone numbers that I found on the internet and called them to no avail. Each Experian number I called required me to wade through seemingly endless voice prompts, starting with " For English, press 1 '' which is to accommodate, at my expense, mind you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

When I finally was finished growing older and older and older and older while wading through computerized voice prompts, the end result for each of the several telephone numbers that I called REPEATEDLY was a recorded message telling me that Experian could not assist me, or words to that effect, along with a monotone apology and a suggestion that I " try again later '', followed by disconnection. This happened every single time! If it is impossible to get help from an Experian computer over the telephone, FORGET ABOUT EVER SPEAKING TO A HUMAN! Not gon na happen!
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

RI received a notification in the mail XX/XX/20 regarding a debt collection that I have no idea who this is and where it's from.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

I am writing to express my dissatisfaction with the lack of response from your agency concerning my dispute of a negative account on my credit report.
Product: Credit card

I have a XXXX XXXX XXXX credit card with American Express. On Friday, XX/XX/XXXX I received an email from Amex telling me my payment to a vendor was declined. I was not close to my credit limit, so I logged in to my Amex account online. I saw a message telling me my account had been suspended. I called Amex and was told they suspended my account because I was working with a debt resolution company. Nothing could be further from the truth. I have never even spoken with any such company. 
I asked the representative to tell me what debt resolution company claimed I was using their services and was told that Amex doesn't have that information. I pressed further and spoke with agents and their supervisors in multiple departments and continued to be told they did not have the information. I asked how they received information about my credit from an anonymous source! Nobody could give me the information, nor could they explain how the report came to be. 
I was very upset, thinking my identity had been stolen. Between all of the calls with Amex and researching my personal credit report and paying for a business credit report, I wasted hours of time and still had no answers.Amex said they would submit a request to review my account and try to reactivate it, but it could take seven days. Meanwhile, none of my vendors are being paid.I also have to get a new card, so I'll waste more time changing my account number with all of my vendors. 
I called again today ( XX/XX/XXXX ) and was connected to an agent who reactivated my account and told me it was an internal error at Amex. This is completely unacceptable. They disrupted my business during my busiest time of year and created significant distress for me personally due to my suspicion of identity theft.
Product: Debt collection

As you can see by this picture Ive sent it shows under the XXXX ( patient ) tab that I am not responsible for this false claim. After work was done on tooth XXXX which is the only tooth I had a procedure on, they billed my insurance company and me. On the bottom of the picture it show that I have dual coverage from XXXX insurances that would cover {$4000.00}. Which would cover the entire amount for the work that needed to be done on that specific tooth. Before ANY work was ever done I asked and verified that it would be no charge to me as I have dual coverage and could not afford any out of pocket pay. They are trying to get me to pay for any work on top of what my insurance had paid for.
Product: Student loan

I went into forbearance on XX/XX/XXXX and it was to last until XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter from a collections agency stating that Navient turned me in for failure to pay. When I called Navient today, all but XXXX of my loans were put on forbearance. I was under the impression that ALL of my loans were in forbearance. Now there is likely a hit on my credit report, so I 'm pretty upset. I 've worked very hard on keeping a decent credit score and also maintained regular payments until I became ill. 
The lady I spoke with stated that she has fixed everything, but I honestly do n't know. 

I have also tried to change my last name several times, but it has never updated, so my married name that is on my social security card is not what is on my loans. I 've sent paperwork signed and mailed with required proof as well as spoke with XXXX XXXX staff regarding this issue. 

I have attended several colleges due to my being a military spouse. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I'm writing regarding a collection entry on my credit report from your agency. This entry is concerning, as I wasn't previously notified about this collection and I question the debt 's validity. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I formally ask you to provide this validation and address this matter.
Product: Mortgage

My mortgage was sold to Flagstar for servicing. The date of the first notice I received was the XXXX statement. 

I found out in trying to pay online via my old Servicer, XXXX, that my mortgage was sold. I was on vacation in XXXX XXXX I called and spoke to customer service and I was assured by them that my RESPA period is protected per FCRA, but they reported a Late Payment during the protected RESPA period in violation of my rights. The protection is in place for a reason! I did not have access to online banking and did not know my new account number, etc. 

Once I established online banking access, inaccurate amounts owed showing on online banking access. It appeared like I had missed 3 month 's payments but when I spoke to customer service, they gave me opposing information, and they were confused too. They " guessed '' that the following months ' payment due was also showing as late, in error. 

My rights were not protected during RESPA period! Worse than their erroneous and inaccurate info and reporting, I started getting threatening communication from Flagstar mortgage without regard to the RESPA Service Transfer period.

I spoke with a Service Rep names XXXX, and she indicated Flagstar would write to me regarding my complaint. To this date I have received ZERO communication back from Flagstar. My case number with Flagstar is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a complaint filed with the FTC and all the listed creditors and inquiries are a result of Identity theft. On XX/XX/2015 Me My Husband and children was victims of Identity theft. We was living in a home that was being rented by someone that did not own the house we statyed there until we was notified that the house was foreclosed and that we had to vacate the premises immediatly we had paid {$17000.00} in rent only to find out we was victims of fraud at the time we had XXXX kids and that left us homeless with nowhere to go we was forced to leave stouff behind. Once we realized that our personal idnetifications was missing we returned to the house only to see our stuff flying down the street. we lost our social security cards for ourselves and the children, Birth certificates, Id 's and all since Taxes has been filed in our name Pay pal accouts has been opened credit cards furnitue has been leased in our name and inquries for home loans and car loans has been reporte on our credit report. Please assist us with this siuation and help us get these Items removed. This is our last result.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, on XXXX I called up 2 credit card companies which I am an authorized user on my cousins cards. For some reason they are not showing up on my credit report. I called up both companies and on there end, they stated I was reported and they had no problems. The 2 cards are melaleuca by XXXX XXXX ending in XXXX and the other is XXXX XXXX  ending in XXXX. I was told that I have to notify each credit service and they will fix this misunderstanding and update me on credit report. As I have been paying with no problems since added by my cousin.
Product: Checking or savings account

Wells Fargo charged me multiple times with ridiculous fees I have never heard of and constant overdraft fees without the chance to pay them off now I opened up a medical card after I thought I closed my bank account with Wells Fargo but now that my card is open and telling me that I still have an account with Wells Fargo and they cant allow me to make an account or pay my bills online because my accounts are connected and they cant fix that over the phone or over the email and Ive already gone to the bank to try to fix it and they told me I had to call the phone number and now every month Im getting charged a late fee because I can not pay my bill on time because they wont allow me automatic bill payment and they wont allow me to access my account online they also will not join my accounts together even though I close that bank account a long time ago. 
They are charging me late fees and ruining my credit unfairly. 
My old last name is XXXX new last name is XXXX.
Product: Credit reporting

I have notified Equifax several times of inaccurate information listed and nothing is being done about it. There is a name listed which is XXXX XXXX which my name is XXXX XXXX and accounts listed which do not belong to me. Please help they are doing nothing about it
Product: Debt collection

I submitted a police report to transunio with files that were stated as identity theft I even went as far as to name the suspected perpetrators file # XXXX, and according to the fcra section 605 b when I submitted the police report XXXX credit bureau shall block the file until the investigation is complete and I spoke to XXXX XXXX and a very nasty toned XXXX XXXX from trans union about the matter and I repeatedly asked why they would not block the files while the investigation was on going and that it is my right according to the fcra unless they are attempting to site section c wich would be insinuating that I was attempting to defraud a vendor wich I really hope that they were not attempting to do XXXX took and signed a sworn statement against those accounts punishable by imprisonment for lying and on top of that what man makes up that a perpetrator is his own mother or sister, and on top of that upon the issuance of the police report with the fraudulant a counts that should put the burden of proof on the lender/creditor but they are allowing the creditor to simy say the account is valid XXXX swore a statement punishable by jail willing to send my mother to jail, transunions stand is absolutely ridiculous in allowing such a simple responce for proof of course the creditors have my info the accounts were in my name the perpetrators had my exact information for XXXX sakes they lived in my house, so the creditor saying they have my information is not enough I swore a statethat i am not the party but transunion has repetitively allowed the companies to update FRAUDULANT files time and time again no matter how much I fuss, and with the help of supervisors like XXXX XXXX they are at will suppressing consumer rights with zero consiquence .I can see that the handling of consumers rights and reports have not changed much since the incident in 2017 it makes me wonder if the switched from baiting consumers with links to working with lenders for paying just read one of the papers they give there supervisors when they start named " protect the revenue '' my rights have been severely violated with this and shown no respect as to what has gone on with my credit instead been talked to and treated like a suspect the whole way threw. Please direct dir or maam force them yo respect my rights and those of other victims and hold them accountable for what they have done and the damage that they have let happen to my credit file by suppressing my fcra rights by refusing to block while investigating, and allowing such a shallow burden of proof from the ftaudulant accounts when there is so much as stake XXXX XXXX not XXXX about my families and I well being in this world, but if it were her I was typing about I would argue just as Hard please force them to remove theses fraudulant accounts from my account and repair the damage done to my report by their blatant disregaud, and neglect for my credit health and well being
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was viewing the details of my credit report and I saw that XXXX XXXX had some inaccurate account on my file that I don't recognize. I was looking at the FRCA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX Account XXXX  XXXX Balance {$12000.00} Does not belong to me
Product: Credit reporting or other personal consumer reports

TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX ATTN : EQUIFAX TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS XXXX  UNAUTHORIZED ACCOUNT READS : XXXX  ACCT # XXXX TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT AND IVE FILED An FTC REPORT TROPER UNDER OATH I HAVE NO CONTRACTS WITH THIS COMPANY AND THIS ALLEGED DEBT ALSO IF THIS WAS MY DEBT THIS COMPANY ISNT EVEN LICENSED TO COLLECT IN THE STATE OF TEXAS. ALSO I HAVE NO DEBT REPORTED WITH THE SECRETARY OF STATE WHICH IVE SUBMITTED A CERTIFIED NOTARIZED COPY .IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER RIGHTS AND HUMAN RIGHTS PLEASE DELETE XXXX  ACCOUNTTTTTTTT IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. SINCERELY, XXXX XXXX XXXX UCC 1-308
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, account # XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. Status I have a right to provacy.

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 istructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 credit reporting agencies are showing closed and paid accounts longer than 7 years on my credit reports. 
1. XXXX XXXX. Closed on XX/XX/XXXX 2. XXXX Closed on XX/XX/XXXX 3. XXXX, Closed on XX/XX/XXXX 4. XXXX XXXX XXXX closed XX/XX/XXXX 5. XXXX  XXXX Closed on XX/XX/XXXX 6.XXXX, Closed XX/XX/XXXX Also they are reporting my address as incorrect with associated to a business of contracting. Need to remove the business note. 
My address should reflect as XXXX XXXX XXXX XXXX XXXX WA XXXX. 

Employment is showing incorrect as I work for XXXX XXXX XXXX- XXXX and XXXX only. 
Phone numbers are incorrect. Should only be XXXX.
Product: Student loan

On my credit report the student loan shows late payment, and paid and closed.