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

My name is XXXX XXXX XXXX and I have no acknowledge as to why or how these student loans are on my report let allow reporting as collections.I am reaching out again seeking the deletion of these items from my report i am a victim of identity theft and I did not make these accounts. i ask that these accounts be removed and my privacy to stop being violated. as a human I know things happen but i am here to inform you that my privacy is my right and I have been taken advantage of. As a human being I am protected under 15 USC 1681 ( a ) you are in violation of my right to privacy. the following is infringed upon my rights and misleading by all reporting different dates and lenders.

XXXX  Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX Account Name : US DEPT ED Account Number :  XXXX Account was opened:XXXX Account Balance:XXXX Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX equifax Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$23000.00} transunion Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$23000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a notice from the credit bureau Experian who I have credit/identity theft protection service with, and they advised me to check my credit report for a " new negative/major derogatory activity '' notice that had appeared against my credit. I pulled up my credit report and found that a debt collection company by the name of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX submitted debt collections notice in the amount of {$660.00} report against my credit. 

I absolutely have no idea who this company is, I have not received any notices in the mail stating I owe a debt to them or anybody I do business with ... ..I have NOT received any late notices for any services I have received in the past or the present. All my bills are paid in full, and I have no outstanding debt other than my mortgage.

After doing much research on this company that is trying to collect a debt from me and has not informed me on whose behalf they are representing ... .I found that they are a company that harasses people and tries to collect money from people fraudulently.

Also, they contacted my elderly mother who has the same last name as me to collect this same amount of money from her before I received this notice and the hit to my credit.

Please investigate the company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX U Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 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 or other personal consumer reports

I have written letters to the XXXX credit bureaus, Experian, XXXX, XXXX, and XXXX, on XX/XX/2024, to correct my address, name, and other personal identification information such as my employment details that are inaccurate on my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Despite providing evidence of my identification and address, they have not made the necessary corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. XXXX XXXX leaked my information and someone opened a XXXX XXXX XXXX card. I was notified and cancelled the card and froze my credit. I also filed an identity theft report with the FTC. XXXX XXXXXXXX XXXX cancelled my account and said because it was fraudulent they would take it off my credit report. I disputed this card on my credit report and XXXX  sided with them and will not remove this card from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 or other personal consumer reports

Kikoff is reporting to XXXX that I made a late payment on XX/XX/2022 which is false, Kikoff also reported to XXXX no late payment XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported to XXXX several times that a collection account has been paid in full, and paperwork supplied, but still showing negative on credit report. Collection agency said they have sent in paperwork also, but this still hasn't been corrected on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion for FCRA Violations Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against TransUnion for its failure to adhere to the Fair Credit Reporting Act ( FCRA ) guidelines, particularly regarding the accurate reporting of credit information and the resolution of disputes. 

Inaccurate Reporting by XXXX XXXX : TransUnion has inaccurately reported information from XXXX XXXX, including accounts under names such as XXXX XXXX XXXX and XXXX XXXX XXXX, leading to significant discrepancies in my credit file. This includes incorrect charge-off reports and payment histories that do not match my records. 

Failure to Correct Disputed Information : Despite numerous disputes filed, including detailed documentation, TransUnion has failed to correct the inaccuracies related to the accounts reported by XXXX XXXX. This is in direct violation of FCRA requirements that obligate credit reporting agencies to conduct thorough investigations upon consumer disputes. 

Impact on XXXX : The inaccuracies on my TransUnion credit report have unjustly lowered my credit score, affecting my ability to obtain credit, secure loans, and impacting employment opportunities. 

I request the CFPB to intervene and ensure that TransUnion conducts a thorough investigation into my disputes and corrects all inaccuracies in compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

Under penalty of perjury, I swear this account with XXXX XXXX XXXX and charge offs are illegal reporting, false and misleading. This account has been settled with IRS 1099A/C form and with performance in accordance with the Bill Of Exchange Act.

Under 15 U.S.C 1681i ( 7 ) method of verification this account is in violation it was reported valid evidence.

Under 15 U.S.C 16813 ( b ) and 15 U.S.C 1681u ( 5 ) this account in violation not reporting 100 % accurate.

Under 15 U.S.C 1681a ( 2 ) ( B ) - exclusions from a consumer report this account is in violation of any credit transaction supposed to be excluded from a consumer credit report. If a social security card or security collateral was used in the transaction.

Unauthorized/Erroneous Account RESULT OF The Equifax Date Breah, Violation of The FCRA Reporting falsely.

Under the Fair Credit Reporting Act this disputed item ( s ) may not appear on my report, 15 U.S.C 1681 Have not supplied proof under the doctrine of estopped by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in facts exists.
Product: Debt collection

I have asked Fidelity Creditor Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Account : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. 

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

The company XXXX also has violated my rights. 

I've also looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that does not belong to me. The following account is reporting on my credit reports as a result of identity theft : Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fraud Accounts : XXXX XXXX - Opened XX/XX/XXXX ( XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( Experian, XXXX, and XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX and XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX )
Product: Student loan

I have been having trouble with Navient for years. In XXXX I made a substantial payment. I thought I paid off my account in its entirety. The company even wrote to the credit burial that I was paid off. I finally was able to reach some help in XXXX after writing a complaint here. I submitted the complaint in XX/XX/XXXX and didn't get feedback until XX/XX/XXXX. I have paid Navient XXXX much of it while still in school and even more right after the interest period started. My original loan amount is XXXX. I want them to explain in detail showing the math how it's possible that I owe them XXXX. They claim that I overpaid my account by XXXX Instead of applying it to another loan they sent me a check. I told them that I was living in XXXX to volunteer at that time, I told them before I moved there. I want to know where they sent the check to. Now I have accumulated on my account for amounts that I don't even owe and they haven't taken that off. Furthermore, they have added this incorrect bill to my credit score causing it to go down. Can someone please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account XXXX : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On or around XX/XX/XXXX I discovered I was unable to login into my Charles Schwab checking & brokerage accounts. I have around {$300.00} in checking, and {$6000.00} in brokerage accounts ( one auto investor, one basic investment ). When I called customer service, I was told I my account was locked and in their fraud investigation department and that I would hear something in 3-5 business days. I've called at least 4 times, generally beginning and ending of each week, with the last time on XX/XX/XXXX and am always told the same thing - 3-5 business days and that they would email/contact the fraud department on my behalf. It's now been almost 3 weeks without access to my funds. I want to stay with Schwab based on others positive experiences, but if customer service is like this ( holding my money hostage ) then I may question whether I should. I need assistance either getting my account access back or my funds.
Product: Vehicle loan or lease

I returned my car after I got it for some issues I volunteer to return back after that company sold it and still asking me for money although I don't have the vehicle
Product: Credit reporting

LexisNexis XXXX ( XXXX ), Motor Vehicle Division or XXXX XXXX XXXX XXXX at XXXX. XXXX XXXX in XXXX, Georgia XXXX gave XXXX XXXX XXXX XXXX negative information on me which caused a higher insurance policy quote. LexisNexis has a " non-working '' system where I can not get a copy of this Free Consumer Credit Report under the Federal Fair Credit Reporting Act. The phone number LexisNexis indicates to call does not understand the English Language. The computer voice keeps saying " I do n't understand '' or " I did not get that '', or it get some of what is said/input, then erases what was recorded/input than starts over again. I called 5 times to get my report and LexisNexis failed to give me the report. There is absolutely no option to get a human being. I called XXXX on this matter as XXXX paid LexisNexis for this service and XXXX was unhelpful. The LexisNexis number is XXXX. Since XXXX refuses to have a human being attend this number with an option if problems arise, they have chosen to be in " non-compliance '' with the Federal Fair Credit Reporting Act. I was never able to get a copy of this negative report LexisNexis gave to XXXX XXXX which caused a higher price.
Product: Credit reporting or other personal consumer reports

Attached to this complaint is a letter I received from XXXX XXXX XXXX XXXX XXXX  XXXX ) on XX/XX/2023 in regards to a data breach discovered on XX/XX/2023, by XXXX. My personal information such as my name, date of birth and social security number was compromised and stolen by an unauthorized third party. The following inquiries viewed by others currently showing and listed on my Chex Systems Consumer Report ID : XXXX is from the result of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with CFPB findings against Navy Federal for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I was stunned to see that Flagstar Bank/Elan Financial Service has reported me late for XXXX, XXXX, XXXX & XX/XX/2020 last year even though I had requested due to covid a loss of income to work out an agreement with them. I have never paid late if they reviewed my account they will see I have always been on time with the exception of when I was seeking help in XX/XX/2020. I had spoke with an agent whom enrolled onto the Hardship Program however I was told to make the payment in XXXX which I did as the XXXX Statement was already closed. I had received a call late last week of XXXX and was told I was due I immediately called back and requested a supervisor whom saw my prior conversation however the agent had erred in not providing the correct information so I thought everything was fixed. Every single month since then I have made my payments with no hiccups until I found out when applying for a house loan that they have been reporting me late for XXXX, XXXX, XXXX & XX/XX/2020. If you look at my attached XX/XX/2020 Statement which covered opened date : XXXX thru XXXX you will noticed that it clearly states Past Due : {$0.00} as well as for XX/XX/2020 Statement which covered opened date : XXXX thru XXXX that also reflects Past Due {$0.00}. 

I had called and spoke with several agents and none of them wanted to provide me with the Hardship letter from XXXX I tried to explained thoroughly that if I had defaulted then why were my latter statements reflecting the update but the two prior statements have not been fixed they were very argumentive and basically told me you defaulted the very first month I had advised to them the conversations are recorded pull up my XXXX phone call where the supervisor prior had acknowledged they had screwed up but this supervisor from the hardship program or Elan was very rude and nasty and would not provide to me my legal right of that letter.
Product: Debt collection

I have attempted twice to have them validate the debt. 

They sent me a bill. which stated I was past due from XX/XX/XXXX. 

The Account they were attempting to collect was over 5 years old. 

They did not respond to my second request sent Certified mail. 

# XXXX received XX/XX/XXXX they failed to respond in the 30 days.
Product: Student loan

My private lender has no information about discharge of debt with their finical institution. They also have no information available loan forgiveness. They have also reported all interaction to all major credit agency. I have paid a few days early on each payment. furthermore I have paid a little bit more than the minim payment each month for the past 3-5 years. 
With the collapse of my educational institution. A few of the student from the private and public sector that went to the college. We have gotten together to find solutions as a borrower. The first was the U.S. Higher Education Act, a law passed XX/XX/XXXX. For example it would be impossible to continue a degree from this institution. Because one they are closed and two they are not accredited. For fifty years this institution had no accreditation with any other education institution. They were known to have take private money funds from veterans ; who earned their degrees between XX/XX/XXXX-XX/XX/XXXX to pay for their own debt though. In XX/XX/XXXX alone XXXX veterans attended itt, according to student veterans of america. XXXX gi bills were planned to be used with the fall registration in XX/XX/XXXX.