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

I have asked them to delete the address on file because my address is the correct one. I called and they told me they could not change the address because someone applied for a account in my name at that address I never lived there. I can send a copy of my driver license to prove I was denied and hung up on. 
I would like my address deleted and corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 
3. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Student loan

I have identified 41 months of eligible employment between XX/XX/XXXX and XX/XX/XXXX that have not been credited to my Public Service Loan Forgiveness ( PSLF ) account. I am requesting a review and inclusion of these months towards my PSLF eligibility as it would bring my total qualified payments to XXXX, surpassing the XXXXpayment requirement. 


Additionally, my student loan repayment began in XXXX, and consistent payments have been made, meeting the 20-year payment threshold for Income-Driven Repayment ( IDR ) forgiveness. Can someone let me know why I have not received either IDR or PSLF cancellation of my student loan debt? 

These issues are the direct result of bad faith acting on the part of loan servicers. The PSLF waiver and IDR adjustment were the government 's way of acknowledging the unfair practices of the loan servicers and were supposed to compensate for the widespread malfeasance of these services. Yet I still have not been granted the counts that should allow me to finish my obligations and have my debt canceled. I've done my part to complete the 10 years of public service that the PSLF program required AND I've been paying for more than 20 years which the IDR program required, yet there is no relief. Just more bad acting on the part of the new loan servicer. It is impossible to navigate this system, more qualifiers come out each week on the student aid site and yet I can not manage to get free of this spiderweb.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 sent a certified verification letter to Accounts Receivable collection agency. I have never received a response from the company. I disputed with XXXX credit agency. There investigation concluded accurate without providing any proof to their investigation.
Product: Vehicle loan or lease

On XX/XX/XXXX, I made my car payment of {$420.00} cents as I do every month on the XX/XX/XXXX. My car payment isn't due until the XX/XX/XXXX of each month, but I pay it early each month. This particular month, I didn't know that I would be trading my car in on the XX/XX/XXXX ( which was an upside down loan, the car was worth less than I still owed on it, and the interest rate was absolutely horrible, as well as the company who it was financed though. ) This amount was never applied to my loan balance until the XX/XX/XXXX. I attempted to get my money back from the company and my bank, XXXX. The company ( IDA, Independent Dealers Advantage..a perfect name for them btw, as they take advantage of people with their predatory lending ) was contacted on the XX/XX/XXXX and XX/XX/XXXX asking how I could get my money refunded, as when I traded the car in on the XX/XX/XXXX, the car was paid off by the dealership that I'd received my new car from. I was told that I would need to reach out to my bank XXXX in order to get my money refunded. I did that and had to file a dispute of payment on my debit card. My claim was denied as XXXX claims that it was a valid transaction. I never said that it was not a valid transaction and that is not the reason that it was disputed. I disputed it as i was told by IDA that was the only way I could get my money refunded. This charge was pending on my account until XX/XX/XXXX, which is after my car had been paid off by the dealership who gave me my new car. It was applied to my payment after the fact that the car had in fact been paid off. Before I attempted to file a dispute claim, I tried to do a stop payment with my bank. I was told that since the payment wasn't showing as a recurring charge on their software, that it couldn't be stopped. I can show a years worth of payments made on that same date if needed. This company also screwed me out of a GAP insurance refund as well, which I know for a fact that I was suppose to receive as well, as I'd never used the insurance and since the car was paid off when it was traded in, you're suppose to receive a GAP insurance refund. I contacted the company about that as well, and was told that there was not a refund to be given as the insurance was added on to the loan at the time. All I would like is my money back, as it was applied to my car loan after the fact that the car was traded in and already paid off. I would also like my GAP refund to be given. This company is the absolute worse ( Just search their name on XXXX and see all of the terrible reviews and how they take advantage of people ) and XXXX failed me with their dispute system, as the reason they gave why the claim was denied had nothing to do with the reason the claim was filed in the first place.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

CFPB Subject : XXXX XXXX XXXX XXXX XXXX and XXXX Fidelity National Title National Commercial Services Dear recipient, I am filing this formal complaint against XXXX XXXX and XXXX XXXX of Fidelity National Title XXXX  XXXX XXXX, located at XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX. Their conduct displayed gross unprofessionalism, severe negligence, and a complete disregard for proper business practices. 

During a closing transaction on XXXX XXXX XXXX in XXXX, XXXX, XXXX XXXX was consistently rude, dismissive, and unprofessional in her communications toward me and my partners. Despite multiple requeststhree times, to be exactfor a copy of the preliminary HUD to ensure my fee was included, she deliberately sent it to everyone except me. And from what I understand, my fee was not included on the HUD she sent out, which raises serious concerns about her capabilities to perform her BASIC work duties. Whether intentional or due to extreme negligence, this is completely unacceptable and appalling. 

Adding to the issue, XXXX XXXX, who holds a XXXX and managerial role, had every opportunity to step in and correct the situation but instead chose to remain silent. Is this the standard of professionalism he allows in his office? I directly asked him if XXXX behavior was protocol, yet he refused to respond or take any noticeable action. Given that this matter involves {$15000.00}, his lack of intervention from the very first email I sent is not just negligentit is outright irresponsible. 

Still, XXXX has not addressed this matter at all. His failure to even acknowledge such a serious issue is deeply concerning and reflects a complete failure of leadership. If Fidelity National XXXX refuses to hold its employees accountable, I will escalate this complaint to the Federal Trade Commission, the Illinois Attorney General, the BBB, and any other relevant regulatory agencies. 

I demand a formal response outlining what corrective actions Fidelity National XXXX will take regarding this issue. This level of negligence, lack of professionalism, and outright disregard for ethical business practices can not go unchecked. Given my experience, I strongly discourage anyone from working with this company at this particular location and I confidently rate their service XXXX out of XXXX stars.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX Re : Dispute of Inaccurate Late Payments on XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate late payments reported on my credit report related to my Wells Fargo XXXX account [ Account Number : XXXX. Upon reviewing my credit report, I noticed that several late payments were reported for the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, even though I was eligible for CARES Act protections due to XXXX financial hardship. These late payments should not have been reported and should be corrected in accordance with federal law. 

XXXX Financial Hardship : I was financially impacted by the XXXX pandemic, which led to my requesting a deferment from Wells Fargo. 

I was granted a XXXX deferment on my loan in XX/XX/XXXX, which applied to the months of XXXX and XX/XX/XXXX. 

According to the XXXX XXXX, loans impacted by XXXX and placed in a deferment should not have any late payments reported to the credit bureaus for the period of the deferment, and the account should be reported as current. 

Late Payments Reported After Deferment : After the deferment ended in XX/XX/XXXX, late payments were reported on my account in XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 

Since I continued to experience financial hardship related to XXXX, I was eligible for additional protections under the CARES Act, which require that accounts impacted by the pandemic not be reported as late or in default if the borrower is receiving assistance, such as forbearance or deferment. 

Inaccurate Reporting Under the CARES Act : The CARES Act mandates that lenders report accounts as current during periods of forbearance or deferment due to XXXX financial hardship. The late payments reported after my deferment period is a clear violation of this law, and I request that they be removed from my credit report. 

My deferment should have covered any payment issues during XXXX and XX/XX/XXXX, and the late payments in XXXX following this period should not have been reported. 

Request for Correction : I kindly request that the late payments reported in XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX be removed from my credit report as they were inaccurately reported in violation of the CARES Act protections. 

Please review the documentation of my deferment and the timeline of my account to ensure that these late payments are corrected accordingly. 
I have attached any relevant documentation that supports my dispute, including : A copy of my Wells Fargo loan statement showing the deferment. 

Any correspondence or records that demonstrate my COVID-related financial hardship. 

A copy of my credit report highlighting the disputed late payments. 

I kindly request that this dispute be resolved in a timely manner, as I am entitled to an accurate credit report under the law. I look forward to your prompt response and correction of the reported information. 

Thank you for your attention to this matter. 

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

upon review my credit report, i found multiple accounts on my report that i have no knowledge of and didnt authorize.. ive disputed these accounts with the credit angencys along with sending in copys of my ID theft report, yet these accounts still remain on my credit report, below listed are the accounts in question : XXXX XXXX ( XXXX ) date opened : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I did not authorize these accounts please remove these accounts from my report. Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX I emailed the original creditor XXXX XXXX about a collection account reporting on my credit. I was emailed back on XX/XX/XXXX of XXXX from XXXX XXXX stating that they could not find an account under my name/address that was provided. 
After I received this information, I contacted experian multiple times and disputed this account multiple times about it not being mine. 
I told my credit repair agency that my wallet was stolen in XXXX so they put a fraud alert on my account. 
After that I called XXXX XXXX because XXXX from the dispute center said that I needed a letter from the original creditor and the collection agency stating they don't have any evidence of me in their system for the account. XXXX XXXX said they have no acknowledgement or records stating such account and that they can't send me a letter stating I don't owe them because I don't have an existing account with them. So I called experian back and was told I'd get a call back 3 times last week on 2 different occasions and never received a call. 
Now I call experian today on XX/XX/XXXX of XXXX and they still can't find out why this account is on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax Attn : Consumer Reporting - Relations Dear Sir/Madam, I, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX demand the immediate removal of the following unauthorized inquiries from my credit report : Inquiries to be Removed : - XXXX XXXX XXXX XXXX XXXX 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 ) Additionally, ensure the following accounts are accurately reported and remain open : Accounts to Correct/Keep Open : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore XXXX the following account must be removed immediately as it is not mine : Account to Remove : - XXXX XXXX # XXXX ( XX/XX/XXXX ) {$32000.00} Also, update the following account to reflect no late payments : - XXXX XXXX XXXXXXXX On XX/XX/XXXX, my credit score dropped unjustly from XXXX to XXXX. I have submitted multiple disputes and a revised XXXX Theft complaint. Despite my 30 years of diligent credit monitoring and expert legal assistance, I am experiencing discriminatory treatment from Equifax due to my status as a minority middle-aged white woman. This situation violates the Fair Credit Reporting Act ( FCRA ). 

Equifax 's investigation failed to address these issues adequately, dismissing my concerns and siding with creditors. This is unacceptable and violates my rights under the FCRA. Equifax 's bias towards paying creditors over consumers like myself is evident and infringes upon my rights to correct errors on my credit report. Immediate correction of these errors is mandatory. Please also confirm the accuracy of the XXXX accounts listed and leave these accounts open. 

Your prompt and decisive action on these matters is not only expected but required by law. 

Sincerely, XXXX XXXX XXXX XXXX Note : The FCRA 's statement-of-dispute provision does not mandate specific language or forms for consumers to request the addition of a dispute statement. The responsibility lies with the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I confirm that the following entries in my credit report were not authorized by me and are fraudulent.

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$140.00} XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On my consumer report it is showing closed account on XXXX and showing open on XXXX and also showing open on XXXX which mean it is currently reporting inaccurate and is affecting my credit report
Product: Debt collection

On XX/XX/2019 via an online chat I informed Macy’s that I had an attorney and to direct all communication to them.They continued to call multiple times daily.OnXX/XX/2019 I emailed Macy’s at XXXX with a copy of the online chat and again requested they cease and desist contacting me and contact my attorney.They continue to call multiple times daily.This is harassment and needs to stop immediately.