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

Experian has defamed my character, breached my right to privacy and did not perform due diligence in conducting proper investigative reports to prevent identity theft and unauthorized use of my information. After many attempts of dispute, Experian has done nothing. 
Experian posted " potentially negative '' for all of my accounts in my report, even the ones that are in great standing. 
Experian shared my information without my consent, through soft and hard inquiries. 
I am the victim of identity theft and Experian has done nothing when I disputed them in the past. 
Experian breached my privacy which is an individual action pursuant 15 USC 1681a ( 4 ) My consumer report is not fair and equitable to me pursuant 15 USC 1681 because of Experian 's mistakes.

Experian reported transactions that were solely supposed to be between me and the one furnishing the report, an individual action pursuant to 15 USC 1681a ( 2 ).

Debt collectors can not falsely represent or implicate that they are vouched for, bonded by or affiliated with the United States, however Experian allowed these debt collectors to falsely furnish inaccurate information to intimidate me that they were vouched or bonded by the government : 1.United States Department of Education 2 . United States Department of Education/GLE 3. XXXX  XXXX  XXXX  4. XXXX  XXXX  XXXX  *when I called the United States Department of Education they told me that they are not debt collectors and that they should not be on my report *when I called the others on the list they told me that they don't have a current account with my name on it Experian still did not remove it The following debt collectors have taken my information without my consent or authorization and have furnished false reports alleging that I owe a debt violating my consumer rights pursuant 15 USC 1692c ( a ) and 15 USC 1692b ( 2 ) ; I don't owe these debts ; 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I have added documents with affidavits that I have sent to Experian as well as other supporting documents. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting Agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I paid the remaining {$270.00} balance on my XXXX XXXX XXXX card leaving me with a {$0.00} balance. The following month, XXXX, I received a bill for an interest charge on a {$0.00} balance. I reported the charge on XX/XX/XXXX and never heard back. The company continued to charge me late fees and report to XXXX docking my score XXXX points each time. This has totaled to roughly 50+ points. I sent a dispute through Transunion again which was in favor of XXXX XXXX XXXX. I then called the company ( XXXX ) on XX/XX/XXXX to ask about the charges. They instantly removed all charges however that does not correct my score nor have they removed the charges. My score was damaged due to false and fraudulent charges on a {$0.00} and falsely reported as " accurate '' when I filed my dispute with TransUnion both times. The company ( XXXX ) told me they would send a letter to TransUnion stating they were incorrect and to correct my score due to their false charges. I have yet to see any of that and I still see a late payment on my score. 
I have had this card for over 10 years and have never had this happen when paying the card off. This is unacceptable! Falsely adding charges to someone's credit card then lying to a credit report company is fraud and false reporting of one 's credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I was a victim of identity theft / wire fraud through Citibank. They seem to neglect the fact that I didn't fall victim to a scam, I didn't authorize it whatsoever. I was part of a data breach through XXXX, and a hacker was able to get my identity by stealing the ID # on my XXXX Card. No matter how this happened it was never authorized by ME. They used a burner phone to get ahold of my phone internally. During the process I lost service, so no one could contact me at all, and I had no idea what was occurring. What did occur was that Citibank didn't lock my account, and instead they let a hacker wire out {$26000.00} of my hard earned savings. My account was completely protected through XXXX factor authentication, and still somehow Citibank refuses to give me back my hard earned {$26000.00} even though they're required to through the FDIC. They seem to think that I'll just say goodbye to my money, and that they'll get away with this. I've received now XXXX denial letters ( all with different / bogus reasons as to why I don't deserve MY money back ). I now will be serving them with a lawyer, and won't stop until I have this money back. 

How can you blame a victim of this occurring? I didn't fall victim to a scam, and I didn't fall victim to ever authorizing a hacker to wiring {$26000.00} out of my savings. Citibank doesn't like the fact that I've brought attention to the news with this, but what do you expect? This is mentally and physically draining, but I won't stop after I have my money back. XXXX months now and all I've received is denials and lies. 

Keep in mind that I didn't fall to a scam, I didn't click anything, and no matter how this occurred Citibank is required to give me my hard earned money back.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and I have been a victim of identity theft. The fraudulent inquiry listed in this letter must blocked from TransUnion credit bureau. 


Identify inquiries resulting from identity theft that should be blocked or deleted. 

XXXXXXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, 2025
Product: Credit reporting or other personal consumer reports

3rd party collections company went out of business and the item in question has been verified and confirmed by XXXX and XXXX as invalid due to invalid date among other issues please remove item as agreed ASAP
Product: Debt collection

on XX/XX/XXXX I sent a debt validation letter to AD ASTRA Recovery Services asking for validation of this debt something with my HANDWRITTEN SIGNATURE they responded with a typed signature. This company has yet to provide me with proper validation of this debt nor do I have a legally binding contract with this company. Since I have yet to receive proper validation this needs to be removed from my credit report. I have tried to resolve this with this company to no avail. Under the FCRA 15 U.S.C 1681i, all UNVERIFIED & INVALIDATED accounts must be promptly deleted.
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 rights to privacy and confidentiality under USC 15 USC 1681 Delete All Accoun

ts 1 ). 602 ( A ). Congressional In findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) State I have the right to privacy, accurate and fair reporting. 2 ). 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. A consumer reporting agency can not furnish my account without my written permission Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 3 ) .15 USCc ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 4 ) 15 USC 1681 S-2 ( a ) ( 1 ). A person shall not furnish any information to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau is reporting an erroneous debt on my credit file. I never even knew that i had this collection until i looked at my credit and saw it. Once i realized this debt was on my credit file i called and paid it immediately. This was a few years ago. I have sent various disputes to them and have called various time 's in attempt to get this removed from my credit file. I have not received any responses from them and this item remains on my credit. This debt has been resolved and i don't understand why this remains on my credit even after my attempts to have it removed. I am now trying to obtain financing and this is getting in the way. I need it removed from my credit file ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 states the consumer performance agency can not furnish an account without my written instructions. Under 15 USC 1666 B ; a creditor can not treat a payment on a credit card account under a open and consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was settled and closed from Santander Consumer. however, XXXX is refusing to remove it from my credit report nor Santander Consumer is unable to locate my account ... additionally, Santander Consumer lost to class action lawsuit and agree to remove any negative credit report from consumer who was effected.
Product: Mortgage

We bought our house XXXX/XXXX/XXXX. The insurance renews on XXXX XXXX of each year. On XXXX/XXXX/XXXX, the insurance company received the annual payment from Ditech. Ditech did not insure the house for 25 days, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Ditech disbursed from our escrow account the annual insurance payment on XXXX/XXXX/XXXX. The money floated on Ditech 's books for 46 days.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXXXXXX XXXX for unlawfully disclosing my personal information to a third-party debt buyer, XXXX XXXX XXXX , without my explicit consent. These actions violate federal consumer protection laws, specifically 15 U.S.C. 1692c, 15 U.S.C. 1692g, and 15 U.S.C. 1681e.

Details of the Complaint Unauthorized Sale of Personal Information XXXX XXXX XXXX disclosed my personal information, including my name, contact details, and financial data, to XXXX XXXX XXXX without my explicit consent. This violates 15 U.S.C. 1692c ( b ), which prohibits the communication of consumer information to unauthorized third parties. 

Failure to Validate or Provide Notice Before Sale XXXX XXXXXXXX XXXX failed to comply with 15 U.S.C. 1692g, which requires written notice to the consumer and an opportunity to validate or dispute the debt before selling or transferring the account to a third party. I received no such notice prior to my information being sold to XXXX XXXX XXXX. 

Inadequate Safeguards to Protect My Information Under 15 U.S.C. 1681e ( b ), XXXX XXXX XXXX is obligated to maintain reasonable procedures to ensure that consumer information is accurate, secure, and not disclosed improperly. Their sale of my information to XXXX XXXX XXXX shows a failure to comply with this requirement. 

Potential Harm and Misuse of Information As a result of XXXX XXXX XXXXs actions, XXXX XXXX XXXX has improperly used my personal information to initiate unwarranted collection actions. This has caused undue stress, harmed my reputation, and potentially violated additional federal or state laws.

Applicable Laws Violated 15 U.S.C. 1692c ( b ) Prohibits creditors or collectors from communicating consumer information to unauthorized third parties without explicit consumer consent.

15 U.S.C. 1692g Requires creditors to notify consumers of their rights to validate or dispute a debt before taking further action, including transferring or selling the debt.

15 U.S.C. 1681e ( b ) Mandates that credit reporting agencies and data handlers adopt reasonable procedures to assure the maximum accuracy and lawful handling of consumer information.
Product: Credit card

I have not had a Bank of America account in years and yet I keep getting random Credit cards under my name from them that I did not apply for. This the second time with the credit card situation previous it was someone getting into my account
Product: Debt collection

This company is reporting false information on my consumer report without proper validation and verification of this debt. I've never received a notice of attempt to collect upon this debt, however this account has been charged off and sent to collections on my behalf. I have no record of correspondence with this company and I have never received notice of Opportunity Financial claiming my obligation to pay this debt. Upon asking for their permissible purpose to claim I owe this debt, there were no factual findings produced. I've disputed this with all major credit bureaus and it's come back as " verified '' but nobody has shown me anything further than a " verification '' status. I've asked for proof of this debt, some type of clarification of this alleged debt and the company its owed too and all I've been given is non-compliance. I have no recollection of dealing with this company and they have produced nothing showing that I am in relation of this. The information attached to this debt is inconsistent and inaccurate. I've asked for deletion of this account on my consumer reports as its erroneous and damaging, it remains. I've asked for verification of this debt and they're still pursuing this although it's been deemed unverifiable ; even going as far to close this account, re-open it and close it again on my consumer reports, severely dropping my score and creditworthiness. This gross act of misjustice is unlawful. I was never even contacted about this matter until it appeared on my credit and has been there apparently for years now before I pulled my reports in pursuit of a safe home.
Product: Student loan

I filed Chapter XXXX in XXXX ; Navient was listed on here and was supposed to stop contacting me while I was in repayment. They kept at me and in XXXX told me I had to consolidate my loans or they would go into default. I didn't know what to do so I did what they said not knowing any different. I found out in XXXX that this was a lie and that because I did the consolidation I was not protected from them any more. 

In XXXX I contacted Navient several times to get income based loan repayments set up. They refused to help me and said that because I had no income so they told me they couldn't set up any plan because I didn't have pay stubs so they put me in forbearance. 

Later that year the welfare office helped me find the paperwork to complete for income based repayments. I completed the paperwork and set it to them. I did not hear back from them for months. Finally I got a letter from them telling my I was missing documentation of insurance and they could not process it. I got the documentation again from the department of welfare and sent it to them. 

I didn't hear back from them and I called many times. Every time I called I was pushed around to other people and hung up on. I had no idea what to do. Then in XXXX I get a letter that the Department of Education has my loan and I am in default. 

For the past 4 years I have been taking care of my XXXX son and working when I can. I have tried numerous times to work out a payment plan that works with my income. Navient has not only lied to me ; they have treated me terribly. The department of education who is the new servicer of my loan could care less. So now they sent me a letter telling me that my loan will be offset by my tax return. 

I wanted an income repayment plan that worked with my low income.I am on welfare due to how little I make. I am doing my best here and I have tried to take care of this. My tax return may not be big but that helps with my sons expenses. 

How can I get this fixed? I am desperate here ; I feel that no one cares and I was pushed into a situation that I had no control over.
Product: Debt collection

I have talked to them on the phone regarding the car loan multiple times. They have called me multiple times a day. They call almost every single day. I blocked their number due to the constant calling. They have also called me 9 times in a matter of five days. If this continues, I will have no choice but to seek legal counsel. Considering they already have a lawsuit against them for similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

At present I am bothered! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the purchaser concurring! " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and decency of credit announcing ( 1 ) The financial framework is reliant upon reasonable and precise credit revealing. Wrong credit reports straightforwardly weaken the proficiency of the financial framework, and outlandish credit announcing techniques subvert the public certainty which is crucial for the kept working of the banking system. ( 3 ) Consumer detailing offices have expected an imperative part in collecting and assessing shopper credit and other data on customers. The financial framework is subject to the reasonable and exactness detailing of purchaser offices. At the point when you neglect to take care of your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to shoppers like me. I have connected a few times grumbling about the wrong things on my customer report. Well I am complete the process of whining. I request you eliminate these incorrect things or I will look for prosecution for the entirety of the infringement and for the torment you all have caused me by destroying my standing by announcing mistaken things.
Product: Checking or savings account

My card was taken by a family member and was charged {$320.00} and I tried filing twice with Wells Fargo and they claimed there's not enough evidence to say it wasn't me. I tried explaining I did not give permission to use the card and they simply said because it's a family member it's my problem.
Product: Checking or savings account

XX/XX/year> Missing XXXX of my direct deposits. Not being communicated properly when this would be resolved or given any options
Product: Credit reporting or other personal consumer reports

I would like an investigation conducted to ensure everything is accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, last active date, and last two year history is not accurate. Delete account immediately for violation of 15 USC 1681e ( b ). also 15 USC 1681i paragraph ( 5 ) 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. 15 USC 1681s2 responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers to provide accurate information. This account violates my rights and the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I would like to file a complaint against Duvera Billing Service. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX
Product: Debt collection

Company LVNV funding or XXXX  for them have opened XXXX new accounts on my credit reports with derogatory reporting from the onset.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX