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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I provided a police report when I figured out what was going on. I could not get into my reports at all. Then when the repots came up there was so much incorrect information along with accounts that I never had. I have been contacting the companies along with the credit bureau to get this resolved and I have been given the run around with all the disputes that are not being removed. My children and I have became homeless and car less because of this. This has been years of incorrect information along with accounts that I have no knowledge of at all
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of several items on my credit report that are inaccurate, misleading, or fraudulent. These items are adversely affecting my creditworthiness and financial standing, and I kindly request that you investigate and rectify these issues promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please find below a detailed list of the disputed items which I want to removed by the Credit Bureaus : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have enclosed copies of documents that support my claims, including attach copies of any relevant documents such as identity theft reports, bankruptcy discharge papers, or proof of address correction. 

Under the FCRA, I request that you : Promptly initiate an investigation into the accuracy of the disputed items. 
Notify me of the results of your investigation within 30 days, as per federal law. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Failure to comply with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in compliance with the law.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, yes, I had my student loans with nelnet. Originally, and now there was modelo. Or however, you spell that, and they are on my credit report. 4 / 8 years with modella, they've been in my credit. Since XXXX XXXX, which is over 10 years, they were sent to another creditor, not the original lender. I actually am on XXXX. I sent over a request to be approved for permanent XXXX. 
Approval from my student loans to be removed from my credit. I sent the doctor 's note over from my physician. As well as the information from social security they denied. I'm still on XXXX. This is past the 3 years I had an income repayment of XXXX. Now I got ta income repayment. That I have to pay {$360.00} a month. When I'm below income powery lines. There is over {$65000.00} on my credit report. That is preventing me from getting a mortgage. Any credit any type of anything above water? I need your help to get this taken care of ASAP.
Product: Credit reporting

Student loans paid in full after default. However it is being reported negative by XXXX and XXXX for the same loans
Product: Debt collection

I am not aware of these accounts. Furthermore, Transworld has never sent me any bills or notices to my house so that I could dispute them.
Product: Checking or savings account

On XX/XX/year>, I was alerted by s m s messaging as to a fraudulent charge of a {$1.00} to my account so I contacted Navy Federal Credit Union ( NFCU ) to report unauthorized access to my account also by XXXX. During the same call while empathy was expressed initially by fraud dept, but upon being placed on hold multiple times especially upon requested investigation into how the deposit of funds into my account, knowing already I had to shut my accounts completely and reopen them. Leaving me at a extreme loss as to my business accounts time in services for my business had to start over again, with the car 's already stacked against me for being a new business. As it is my time on my business account did not follow and carry over. I had to start over, within the same phone call, I was told this bye NFCU suspended my debit and credit privileges without conducting any investigation into my concerns nor explaining to me why, or how they came to this conclusion of taking this action. This unjustified action disrupted my small business operations, causing immediate financial harm and ongoing instability in managing accounts payable and receivable. 

NFCUs actions have not only caused financial hardship but also led to significant mental anguish. I have since sought treatment from a psychiatrist due to the stress and emotional toll this situation has caused. The ripple effect of these actions has severely impacted my ability to maintain business continuity and personal financial stability. 

Additionally, XXXX, which will be addressed in a separate filing, accessed my NFCU account without authorization to initiate deposits and withdrawals, including amounts of {$140.00} and {$37.00} in XX/XX/year> and a deposit exceeding {$300.00} in XX/XX/year>. These transactions were unauthorized, and I did not provide XXXX with the account or routing numbers to facilitate such activity. 

Actions Taken by Me : 1. Reported unauthorized activity to NFCU.

2. Closed personal and business accounts to prevent further unauthorized transactions.

3. Sought mental health treatment due to the significant emotional distress caused by NFCUs actions. 



Impact : Financial harm from disrupted business operations. 

Accounts payable and receivable affected, creating further instability. 

Mental anguish requiring ongoing XXXX care. 

Emotional and financial stress impacting personal and professional life. 


R

esolution Sought : 1. Investigate NFCUs handling of my reports of unauthorized access and their unjustified suspension of my debit and credit privileges.

2. Hold NFCU accountable for financial harm caused to my business and personal accounts.

3. Address the mental anguish and emotional distress resulting from NFCUs negligence.

4. Implement safeguards and protections to prevent similar occurrences for other consumers.
Product: Credit card

I was told by a manager my capital one card would be over night to the new address on file. I spoke with another manager stating the card can not be issued to be because of my balance on the account. I opened this account last year and have had problems the entire time with Capital One. I expected better from this company.
Product: Credit reporting

I am writing to dispute the following information in my file. XXXX XXXX XXXX XXXX a mortgage company reported the sale of property as a Foreclosure which it was definitely not. It was an Agreed Settlement ( account paid in full for less then full balance ) to prevent/avoid foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX XXXX, TransUnion regarding a fraudulent account on my credit report and an account with late payments that are false. All 3 bureaus denied me and ignored me. These accounts are still on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Years of my account history are missing. Missing correct mailing or home addresses. No payment histories for utilities and other accounts listed. 

When I call the numbers provided there is no way to access customer support, it's just a looping AI bot that then hangs up. 

When I go online to use the website to request support, I am redirected to the phone and the AI bot on the phone keeps me in a loop. 

This has contributed significantly to lack of access to housing and other necessities, such as ease of turning on utilities, for many months. I can't get credit cards or loans that I should qualify for to build more or maintain credit. I can't access boost to get accounts shown -- it just loops with no response and no help. I pay my child 's school tuition in full, several utilities in full, asset/s not listed ... this is unacceptable. If I don't get proper help right away, I would like to join a class action lawsuit against experian. They should not have this level of control over people 's well being and be so inaccessible to correct information!
Product: Debt collection

ARS account resolution reported {$1200.00} balance on my credit report, dispute was filed yr 2021 on XX/XX/21 updates balance {$1200.00} Im requesting this debt collector to validate by original contract, signature and dollar amount change including personal information. Dispute with credit bureaus or by mail have not validated debt with documents of my signature or specifics of debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened account # XXXX with Toyota motor company and my son XXXX XXXX was the co-owner of the vehicle a 2009 XXXX XXXX. Unfortunately, I fell upon some financial hardship and a XXXX filed a XXXX XXXX bankruptcy. My son had never filed bankruptcy and has never filed bankruptcy. The XXXX was being paid monthly in the bankruptcy payment. In addition to those payments my son and I made additional payments which not only kept in line with both the original contract for the XXXX but also with the bankruptcy contract. 

We have the payoff letter and received the title to the vehicle. 

Essentially, the XXXX was paid in full before the contract end date. There was an over payment made that Toyota refused to return to me until I filed a report with the XXXX. 

Toyota is now reporting the Bankruptcy on my sons credit report. My son does not have a bankruptcy in his history. We contacted Toyota and asked them to adjust the information they are reporting to me sons credit and they refused. 

I am hoping you will be able to assist with this. Again, the vehicle was paid in full before the original contract or the chapter XXXX  contract date was reached.
Product: Credit card or prepaid card

My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$20000.00}. Please remove this account as soon as feasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes FederaXXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} CXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

PROFESSIONAL DEBT MEDIAT at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$6600.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a lien release from the State of California. XXXX has reported it as " released '' for years. Equifax refuses to indicate " release '' on my report. I have tried contacting them directly and get nothing but a runaround. This is my last stop before I hire an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C 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. 

XXXX Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Public Record : XXXX XXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, VA 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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS GAUNITED XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.
Product: Mortgage

On XX/XX/XXXX at XXXX I was notified by email that my homeowners insurance policy cancelled out due to non payment. When I purchased my home with another lender, they had me setup an escrow account for it to be paid out of. The loan was sold from that lender to my current one. Well my policy was due for renewal on XX/XX/XXXX, however due to an unknown data error on my current lenders side, my homeowners insurance was not paid and it was cancelled out. Once I was notified of this, unfortunately it was too late to take any action and therefore I lost all coverages with my old insurance company, and I had to bind in an emergency with another insurance with far less coverage for almost the same price. I sent in a notice of error to my lender on XX/XX/XXXX and I just received a response letter stating that yes there was a data error on their end, however they could not get my old insurance coverages back - unknown reason why. I called and they told me that its because I currently have insurance. I advised that due to their error I had to bind with someone before I defaulted on my home loan. They did some " further investigation '' and called me back and advised me that I should call my old insurance back, get a quote, and they will see what they can do if anything. I called my old insurance and well they can not do business with me as I have to go thru with my insurance agent. I am being given the run around and now I will be seeking legal advice on this matter as I know my rights as a consumer. If the lender defaults on their end they are supposed to be subjected to fixing the error at no cost to me. This is not the case for me and therefore will be further legal advice due to them not taking responsibility for their actions.
Product: Debt collection

Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

LVNV FUNDING LLC XXXX
Product: Credit card or prepaid card

follow up to XXXX XXXX XXXX it was closed but it has not been resolved I needed to add attachments to show that they are not reporting all of the info. I have also included the screen shots from another account that I have that does show all the info correctly. Commenity Bank should be showing the 4 years and 4 months of payments made in full and on time.