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

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. 
I called XXXX  and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law.
Product: Student loan

I submitted a borrower defense case related to XXXX XXXX  on XX/XX/XXXX, received approval from the Department of Education on XX/XX/XXXX, received a letter denying my case from my loan servicer Mohela on XX/XX/XXXX, learned about the XXXX  XXXX XXXX lawsuit shortly after, and then received another approval from the Department of Education on XX/XX/XXXX informing me of the settlement and stating that I was in the automatic relief group and should receive full relief by XX/XX/XXXX. While my loan balances have gone done and this change was reported to the credit bureaus, I still have not received a refund, or really any information about what amount of refund I am owed or any information regarding this process at all. I have called the borrower defense hotline as well as my service many times over the course of the last several months, and I can get no information from either- they mostly just tell me to contact the other. I have received a few emails since XX/XX/XXXX that say I will receive more information in 14, 15 or 30 days, yet no additional information has ever been provided. I tried to contact the XXXX XXXX  XXXX XXXX lending who is somehow involved with the XXXXXXXX XXXX XXXX case but have received no reply from them. I emailed my senator, XXXX XXXX, a few weeks ago and have also received no reply. I am desperate for any assistance in getting information about what is going on with this since the deadline has passed with no communication from anyone. Any assistance you can provide would be greatly appreciated. Thank you!
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX bal. {$12000.00}, XXXX XXXX bal. {$570.00}, XXXX XXXX XXXX  bal. {$30000.00}, XXXX XXXX XXXX bal. {$660.00}, XXXX XXXX  XX/XX/scrub>/2024, XXXX XXXX NA XX/XX/scrub>/2024, XXXX XXXX XXXX  XX/XX/scrub>/2024, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX  XXXX/2024 XXXX XXXX XXXX  XX/XX/year>2024, XXXX XXXX XXXX/2024
Product: Student loan

XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX On XX/XX/XXXX, I submitted a request to CFPB in complaints about NAVIENT as an aggressive loan service provider. 

I requested an application for XXXX XXXX XXXX for XXXX XXXX for The XXXX XXXX XXXX Washington, who have been shut down for fraud, amongst numerous other things. Under the XXXX XXXX XXXX my federal loans have been forgiven, and private loans are to follow suit. I was sent the application on XX/XX/XXXX, and returned it XX/XX/XXXX in digital and physical formats, with over 300 pages of documentation of claims of why my private loans should be forgiven. 

On XX/XX/XXXX I was denied with no explanation. I called them to request additional information on why I was denied and they gave me no answers. 

I have resubmitted my application with more information, cited sources, and reasons specific to me and why my private loans should be forgiven. 

I am asking CFPB for help in any way in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. 
I sent copies of XXXX  and XXXX  removing the same account in question due to not being able to verify the accuracy, compliance, and report ability. 
Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX, XXXX ), you may be liable for your willful non- compliance. 
The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act and no validation in the 30 day time period.
Product: Credit reporting or other personal consumer reports

After reviewing my TransUnion, XXXX and XXXX credit reports again, I have identified inaccurate XXXX  payments that needs reporting and correction through your company. These XXXX  payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Debt collection

On XX/XX/2021 XXXX at World Finance in XXXX Georgia call my friend before XXXX telling them to have your best friend call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent out another letter via registered mail with the U.S. Postal Service on that date regarding inaccurate accounts on my credit report. It wasn't until XXXX, which was way beyond 30 days, that I finally got a response and was blandly told that these account have been verified, however, I was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence.

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the XXXX data breach and may have got into the wrong hands.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting

Finding out someone changed my to XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NM XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX recently in XX/XX/XXXX. I 'm having problems with Experian XXXX to delete this information, I had provided this documents to them. Which this is fraudulent information on my report on Experian XXXX. I found out with XXXX Bureau report that my name and address was changed on XX/XX/XXXX XXXX XXXX XXXX Equifax XXXX has corrected in their part after providing the Documents to them they requested whom I was ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX. I made a police report with XXXX XXXX Police Department in XXXX XXXX NM, and took the necessary steps. To stop this fraud. I had a name change in XX/XX/XXXX to XXXX XXXX XXXX XXXX in the State of New Mexico Documents are provided for you too see.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on numerous accounts asking for verification on items that they are showing on my credit file. Repeatedly, they send back the same generic XXXX  response with no validation of my findings.The FCRA requires all CRAs to VERIFY all information received from the creditors BEFORE adding them to your credit file but since it will be time-consuming and costly, they are taking the shortcut by doing everything electronically which is not how the FCRA says it should be done. To help you know exactly where in the Fair Credit Reporting Act it says the Credit Reporting Agencies must provide copies of your signed documents that verifies the accuracy of your accounts in their files, CRAs are supposed to be in 100 % compliance with the law. I just received a new report from Experian showing the same erroneous items brought to their attention before. I have attached it as a document for verification. They need to be fined and quit being XXXX by helping their inner circle. It 's the law to be fair and just.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Equifax is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ), which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, a federally protected consumer, never gave Equifax any written consent to report anything on my credit report. No consent was given and this is identity theft. I demand that you remove these inaccuracies off of my credit file within the next 10 days. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. 

I have listed the following accounts that you incorrectly reported and should be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused me a great deal of injury. By allowing these inaccuracies to be illegally furnished on my consumer report, it has caused financial damages to me, including jeopardizing my living situation, as well as caused me to completely lose confidence within the banking system. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 


Regards, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Bank corrected and removed the erroneous late payments they placed on my account and replaced them claiming other months. Additionally, I previously filed a complaint against Ally Bank and the company XXXX XXXX XXXX in XXXX for fraud. I received a call allegedly from the Ally Bank 's executive branch. I returned their call numerous times and left messages, but they never call me back. There was no reasonable investigation into my claims. 

Below I enclosed the reporting from my XXXX Credit report and as you can see, Ally first removed the late payments then slapped them back onto my account. 

I am trying to buy a home and Ally 's action demonstrates their conduct for which I seek damages. 

t looks like your payment history was updated or corrected. If you're not sure why this happened, you could contact your lender to find out more. 
Your account payment history was updated. Here 's what changed : XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late Here is what your payment history showed before : XX/XX/XXXX : Current XX/XX/XXXX : Current
Product: Checking or savings account

Good morning, My complaint is with TD Bank and their Banking practices. 


I made several ATM deposits into my savings account to ensure the monies would be available to cover my final payment for my auto loan. This was done on XX/XX/2022 However, on XX/XX/2022, TD Bank stated two of these were already cashed. Based on two mobile deposits made in early XXXX. The duplicate checks were deposited into my account ending in XXXX and instead of them making the adjustment from the account that showed duplicate checks they took the monies from my accounting ending in XXXX which is not connected to my XXXX accounts. 

This caused my XXXX accounts that already had monies available to cover debits allowed to be debited from this account they took these monies for the adjustments that should have been taken from the XXXX accounts. 

Now the XXXX accounts that had available funds that were allocated for debits were now taken for the adjustments causing the account to be overdrawn. Causing those debits to hit multiple timesrepeatedly rejecting, reprocessing, and charging one or more NSF Fees on the transaction before finally authorizing it and then charging an additional OD Fee on that item, the complaint charges
Product: Credit reporting, credit repair services, or other personal consumer reports

NO KNOWLEDGE OF THIS ACCOUNT, WHO HAS A XXXX DOLLAR BILL THATS LATE FOR 4 MONTHS, MY IDENTITY HAS BEEN COMPROMISED WHILE I WAS SICK WITH COVID FOR A YEA R
Product: Debt collection

I got a call from XXXX asking to speak with XXXX XXXX. That is me so I confirmed. They told me they were with ARA XXXX and they were calling to notify me that a federal judgment would be filed against me for the debt I owe XXXX on an unpaid credit card balance. I told them I have never heard of that bank and do n't have a credit card with them. She asked me if the last XXXX of my social were XXXX and the numbers she gave were the last XXXX of my SSN. I said okay and the call was disconnected. I tried to call back and got the run around. They asked to look me up by my SSN but I would not give it to them. She asked what city and state I live in and was able to " find my account '' that way. She then read me all of my personal information. My full name, DOB, and SSN. She said that I had a federal judgment that was going to be filed and a summons to appear in court or a warrant for my arrest would be issued. She then told me she was only a receptionist so she would have to transfer me to the legal depart. I was then put on hold and nobody ever picked up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and spoke with a customer service representative, and then a supervisor. <P/>I informed them of the new policies that went into aaffect on XXXX XXXX, 2017 on Public Records and Judgements that appear on an individuals Credit Report. <P/>The Supervisor stated that I could file a complaint, but the XXXX Public Records would remain on my Credit Report. <P/>I need your assistance on having these items removed as well as reaching out to XXXX so that there Departments throughout the Country that speak with Consumers have been educated as to what can be on a report and items that should not be. <P/>Thanks for your time.
Product: Mortgage

Starting in XXXX of XXXX I was Eligible for requesting to remove my private mortgage insurance. They received that documentation and request on XX/XX/XXXX as well as payment for the appraisal to determine value on the home. I have called in 4 times now requesting an update on my application since they had received the payment and request and each time I get notified that the PMI team has been notified and will reach out to me within a week. They have no external number and no one to contact. Each time there has been no response by Caliber home loans. The Company has assured me each time that they will get this resolved immediately, yet it has not been. Due to this I have maid 6 payments starting on XX/XX/XXXX and will have paid an additional {$640.00} in private mortgage insurance. With how unresponsive and dismissive the company has been it feels like these delays are intentional to keep me paying Private mortgage insurance indefinitely.
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. 

XXXX XXXX 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 small business adminXXXX, 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

MR. COOPER/NATIONSTAR FAILED TO DELETE LOAN NO.XXXX FROM ALL BUREAUS ( SEE ATTACHED ). WE ARE GOING TO FILE A LAWSUIT FOR {$35.00} XXXX FOR ALL DAMAGES CAUSED US BY NATIONSTAR! 

THIS WILL BE THE LAST TIME NATIONSTAR VIOLATES THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 I got divorced, and my ex-husband was awarded our XXXX XXXX. I have the signed, notarized paper showing he was responsible for it. He quit making payments on this XXXX, and the dealership came to pick it up. It then went on my credit report as a repo even though he was responsible for it after the divorce, not me. I got a letter from a debt collection agency saying I owed for it. Since it was on my credit report and hurting me, I called the debt collector and Ally Financial to try and get it all resolved so it would be removed from my credit report. I was told If I paid the settlement amount, then the whole account would be closed in full, and Ally Financial would do a paid and delete. I have paid the settlement amount, but Ally has not removed it from my credit. After several phone calls speaking with XXXX XXXX and emails with no responses, I am reaching out to you. My credit is XXXX clear except for this problem thats not even my fault or my responsibility, but Ive taken care of it. I just want it deleted off of my credit report as Ally Financial promised.
Product: Debt collection

XXXX XXXX XXXX charged {$160.00} for the equipment that I have proof that I returned. I have made multiple calls to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent charges on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened.
Product: Debt collection

I am writing to address a serious issue regarding inaccurate information on my credit report. If corrective actions are not taken within 10 days, I will file a complaint with the FTC against your company XXXX XXXX.