23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED A REQUESTED THAT SAGESTREAM PLACE A SECURITY FREEZE, BLOCK AND SUPPRESS THE FILES THAT I HAVEWITH THEM. I AM A VICTIM OF A SPECIAL TYPE OF IDENTITY FRAUD. SAGESTREAM IS RELEASING INFORMATION ABOUT A BANKRUPTCY FILING THAT I DID NOT DUE TO XXXX AND XXXXTHIS WAS PREVIOUSLY FOUND TO BE AND ERROR. I HAVE SENT THEM SSN CARD, ALONGWITH GOVERNMENT ID, AND BANK STATEMENTALONG WITH A CERTIFIED MAILED REQUEST AND CERTIFIED FACSIMILE I DEMAND THE BANKRUPTCY BE REMOVED AND BLOCKED IN ADDITION TO THE FREEZE AND SUPPRESSION PLEASE HAVE THEM PROVIDE WRITTEN PROOF.
Product: Credit reporting or other personal consumer reports

Experian closed this complaint with in seconds of the the other complaint FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD
Product: Student loan

Hello, the interest rate of this loan is variable and it 's never dropped below 10 %. I asked for Navient to give me a break on the interest because for as long as I 've been paying into this loan, its principal balance has n't dropped. I am not able to pay into it as much as I 'd like because I have hardships mainly due to my medical expenses ( XXXX ), but that 's not something they consider. There 's been a lot of time and money lost between now and when I got signed on with them and I have n't got anywhere. After several emails and phone calls with them, they 've refused to give me any help paying this off. There was a time where I could n't pay into it at all and they were calling me relentlessly, at work especially and late in the night when I had already gone to bed, switching between XXXX numbers and private numbers. Of the options given below, I can only choose one, but the list below better describes my issue. These arent all of them. 
1 ) Ca n't repay my loan. 
2 ) Dealing with my lender or servicer. 
3 ) Received bad information about my loan. 
4 ) Getting calls about my loan. 
5 ) Having problems with customer service. 
6 ) I ca n't repay my loan. 
7 ) They wo n't refinance my loan to help me out. They 're perfectly fine with me paying them interest for the rest of my life. 
Thanks for any help that can be rendered.
Product: Credit reporting

I received communication from equifax giving me a number to call or a website to contact to limit sharing of some of my personal information. The website links were outdated apparently as I could not access the link to opt out of sharing. I made several phone calls to the number given in the communication and was told a menu would prompt me thru the choices. My only choice was to wait for a rep and got a message stating that the hold time was extremely long at this time. I have been able to easily limit sharing thru communications sent to me by banks etc. over the phone very quickly. What gives with XXXX? It seems I must now mail the info in and hope that they follow my instruction. This is not acceptable to me as I have no way to verify that my wished have been followed.
Product: Vehicle loan or lease

I am a victim of Santander Consumer USA 's poor business practices. I received a loan from them in XXXX of 2012. Account # XXXX. They charged me improper fees and used from a scoring system that I didn't understand. They also made harassing phone calls during the life of my loan and did not execute proper protocol when they repossessed the car. Currently, they are reporting on my credit report as a charge-off, with various errors on each bureaus report. I've disputed this information several times at no resolve. They have violated several laws including, Truth in Lending, FCRA 15 USC 1692 ( g ), and FDCPA. They were deceptive and abusive in collection practices and honestly I should probably be seeking damages.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$4100.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

Synchrony bank tturn our account over to Javitch Block llc. to collect a debt on a credit card from lowes. Currently my husband is applying for XXXX for he has XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX so we were to pay. XXXX XXXX filed a lawsuit to collect the debt case XXXXXXXX XXXX XXXX  XXXX XXXX XXXX court in Ohio. We then called a number given to us to call XXXX XXXX. We reach an agreement to pay XXXX dollars by the XXXX of the month. We have the bank statements and confirmation numbers for this. XXXX day on statement shows the lastest payment was pulled on the XXXX. The agreement was sent to Javitch Block LLC on XX/XX/XXXX signed. Never received a response from Javitch Block, so we thought agreement was good. On XX/XX/XXXX we rthe courts asking for mediation and a XXXX XXXX We thought issue was solved. I have made several attempts to reach XXXX XXXX XXXX. Where i waited over XXXX minutes on hold and the system after asking for a voicemail hung up on XX/XX/XXXX i lrft a message and receive no call back. On XXXX XXXX XXXX call synchrony bank said all turned over to Javitch Block LLC and they claim they have no information on us. Please help.
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 XXXXXXXX : # 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 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, credit repair services, or other personal consumer reports

This is me writing this complaint. I know you think regular consumers do not follow or know the law, but you are sadly mistaken. Do not send me anything requiring more information because you have everything you need to verify my identity, my credit file, and you know the inaccurate account that needs to be removed from my account. Do not send or reply back with anything telling me this is not me writing this complaint. 

I currently have an open CFPB complaint with Experian for their disregard to investigate my claim stemming from a letter received before XX/XX/2021. It is now XX/XX/2021, which now makes it OVER 60 days since they have failed to do a reasonable investigation pertaining to an inaccurate account from XXXX  XXXX XXXX in my consumer credit file. 

You have failed to respond in writing to my dispute and have failed to conduct a reasonable investigation in over 60 days. If Experian had done so, they would see this information is inaccurate, in addition to me providing them with knowledgable documentation that they are reporting inaccurate information in regards to a XXXX  XXXX XXXX account on my consumer credit file. 

You are in violation of 15 U.S Code 1681 for inaccurate and unfair reporting methods. You are willfully and knowingly furnishing information you know to be inaccurate according to 15 U.S Code 1681n and 15 U.S Code 1681o. I will seek to receive no less than {$1000.00} per violation in addition to actual and punitive damages for this inaccurate information. 

You have not only failed to remove this inaccurate account from my consumer credit file, you have also appeared to re-age this account. Experian has updated and changed information on this account with no communication with me and they seem to do so as they please as if this is not MY consumer credit file. 

I have also requested a description of the reinvestigation procedure in the past and they have not sent me that information within 15 days according to 15 U.S Code 1681i.

I have kept every single piece of communication between me, the consumer, and Experian, the credit reporting agency, and will use this information in federal court if I have to.
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debt that is not owed. I never had this company as a credit card. I tried contacting XXXX XXXX to remove fraud account. I completed fraud packet and FTC reporting of this company. 


This company is reporting a fraud account knowingly. Ive been a victim of identity theft since 2008. Ive provided all documentation necessary to have this fraud account removed. This company gives you the run around and says account to old to identify when you call but will not take fraud account off of my report even though it is fraud and they can not validate this account. 
Please remove from my credit bureau reporting as Ive followed all FCRA guidelines to have this fraud account removed. Thanks
Product: Checking or savings account

Wells Fargo recently closed a XXXX XXXX  personal checking account of mine without notice or explanation. I have had the XXXX XXXX  account since I was a teenager in XXXX. Since that time, it has been in my name and my grandmother 's and used to transfer money occasionally between the two of us. On XX/XX/XXXX I received a message that this account was closed on XX/XX/XXXX. The message did not include an explanation or a means to reopen the account. In XXXX, Wells Fargo had tried to close an Everyday Checking account of mine that had been inactive, but explained that I could reopen it with account activity and so I brought it into compliance immediately. In this case, Wells Fargo did not give me that option or explain to me why it had closed the account. This was a shock. I called Wells Fargo on XX/XX/XXXX and complained to a representative who transferred me to a level 2 specialist who submitted an internal complaint on my behalf and who explained that the account was not able to be reopened. The representative was also not able to give me satisfactory explanation as to why the account was closed- they had attempted to say the account was closed due to being negative as a result of an overdraft. However, that was false - although I did overdraft in XXXX due to accidentally giving the wrong account number as a method of payment, the overdraft amount was borrowed from my Wells Fargo credit card and I immediately replenished that amount plus the fee. She then tried to say that it was due to inactivity, which didn't make any sense because I often leave this account inactive over the 25+ years that I've had it. I also do not believe that anything in my original customer agreement with Wachovia ( the originator of the account before they merged with Wells Fargo ) allows for the bank to close the account due to inactivity. She also attempted to say that Wells Fargo had sent me communication about the account closure prior to the actual closure - that is simply not true. There is no record of the communication in the Wells Fargo Message Center where they have sent me other similar messages about account inactivity, etc. The complaint number she gave me was XXXX. I do not expect a reply from the internal complaint and due to Wells Fargo 's history of nefarious practices with account closures, I am submitting this complaint to CFPB to inform CFPB that Wells Fargo is still up to its old tricks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and TransUnion are reporting negative information on my report without providing the process in which the debt was validate pursuant to section 609 of the FCRA the are telling me to get the information from they creditor if they havent been supplied with this information to validate the debt they can not legally report it on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and XXXX XXXXXXXX XXXX about two accounts that showed up on credit report XX/XX/2022 that were old accounts that show I owe nothing and keeps appearing, I have contacted XXXX XXXXXXXX XXXX  every month and they have stated several tines that they have informed Experian for multiple months that I am not responsible for a balance and it should not show. I has now been FOUR ( 4 ) months that this has caused me to be denied lending because of this. Due to this going on for several months and EXPERIAN REFUSES TO COMPLY WITH THE LAW AND DO AS XXXX XXXX REPORTED I believe the law says it is to be deleted from my credit report. This has caused me four months of stress and has now caused medical issues as I am trying to get things done with my life and they are causes an hindrance to my future.
Product: Debt collection

XX/XX/XXXX : Incorrectly assigned to XXXX apartments by XXXX as the occupant. Sent charges for both apartments even though the other apartment was empty/occupied by someone else. 
XX/XX/XXXX : Stopped being charged for the second apartment. The entire time, my correct apartment was current in all payments XX/XX/XXXX : XXXX XXXX sends my account to collections, Harvard Collections Services/ Harvard Collections reaches out to me asking me to pay this debt of {$940.00} XX/XX/XXXX : I call XXXX  XXXX to ensure they clear up the issue, they create a ticket internally and say they will rectify XX/XX/XXXX : Harvard Collections leaves a derogatory mark on my credit report XX/XX/XXXX : XXXX sends me confirmation showing I have no debt on the account, but does not tell the collections agency XX/XX/XXXX : I call the collections agency, they refuse to remove the debt and say XXXX  XXXX has not shared any information with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the accounts in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

SOMEONE HAS OPENED AND USED A FRAUDULENT CREDIT CARD IN MY NAME. THE CREDIT BUREAUS XXXX AND XXXX ARE GUILTY OF USING MY PERSONAL IDENTIFICATION INFORMATION TO PUBLISH INCORRECT INFORMATION ON MY CREDIT FILE. I URGE YOU TO HAVE THESE ITEMS REMOVED AS THEY ARE NOT INITIATED BY ME AND BY LAW MUST BE REMOVED WITHIN FOUR DAYS OF NOTIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Capital One Bank has had several request to remove all my debit and checking cards removed from there file as payment my personal debit cards and checking account cards and information removed for payment. Remove all forms of payment regarding this account
Product: Credit reporting or other personal consumer reports

Consumer Statement Of Dispute On XX/XX/2023, I requested to Experian credit bureau to provide me a copy of the reinvestigation process procedure. I have requested the business name, telephone, company address, documents of disclosure who Experian contacted, what information was transmitted and the individual name who helped Experian verified the accuracy and completeness of the disputed accounts of the reinvestigation process. I called Experian several times and still, I have been ignored again. Which is a violation of my rights under Section 609, 610, 611, 623 and 15 USC 1681i. The credit bureaus are supposed to impartial. It's not happening. If the furnushers can not verify 100 percent accuracy, by FCRA and FDCPA law, the Credit bureaus SHALL remove disputed accounts immediately. Experian is not adhering to the Federal laws and they are in violation of my rights as a consumer. I have sent in police reports and many documents to Experian. I will not be ignored and harassed and belittled by any representative of any company. Another violation of my rights as a consumer. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with XXXXXXXX XXXX investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 
XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX TYPE misellaneous 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

The XXXX XXXX Acct XXXX # XXXX has an incorrect amount on my credit report with TransUnion and XXXX. I have received a XXXX from XXXX and the amounts are different that's on my credit reports. The amounts on the credit reports are a lot higher than on the 1099C, making the amount owed higher than the actually are. The reports are suppose to be accurate and they are not. They were allegedly verified as accurate by both credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and realized that are a couple of inaccurate information regarding late payments on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 


XXXX XXXX XXXX/XXXX Account # - XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.
Product: Credit reporting or other personal consumer reports

I have not been able to satisfactorily have this matter resolved. I am being reported as being late on my XXXX XXXX XXXX  account XXXX XXXX on the dates XX/XX/2022 and XXXX XXXX XXXX These are errors as I was never late! Along with this I have discovered other inconsistencies on my credit reports. For example the Date Opened and the Date Last Active are completely different on the accounts. How can that be? I do understand my rights according to the FCRA and 15 U.S.C 1681e - Compliance Procedures- that at a very least all information reporting on my consumer report has to be 100 % accurate, verified and consistent. It is not. I have attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX