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

I identified a fraudulent credit card account and address on my credit report that I did not open, authorize, or use. This is a clear case of identity theft. I have never applied for or activated this account, and it was created without my consent or knowledge. Upon discovering the unauthorized account, I immediately filed an identity theft report with the Federal Trade Commission ( FTC ) and reported the issue to my local law enforcement, as mandated by the FCRA. 

I have provided the credit bureaus with a copy of my Identity Theft Affidavit, as well as the police report, which under Section 605B of the FCRA, requires the credit bureaus to block any fraudulent information related to identity theft from my credit report. Additionally, under Section 611 of the FCRA, I have disputed the accuracy of the information regarding this fraudulent account, and I expect the credit bureaus to follow their legal obligation to conduct a proper investigation within 4 days.

Per Section 609 ( e ) of the FCRA, the credit card issuer is also required to provide me with records of the fraudulent account, which I will use to further verify my claim. According to the FCRA, failure to remove this account would constitute a violation of my rights under federal law, as credit bureaus must delete or block any information that has been confirmed as a result of identity theft. 

Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTA ), I requested that the credit bureaus place an extended fraud alert on my file to prevent further damage. The fraudulent account is negatively impacting my credit standing and causing financial harm, which is a direct violation of my rights as outlined in the FCRA.
Product: Vehicle loan or lease

We purchased a vehicle from XXXX XXXX ( YKS Acceptance Inc ) in XX/XX/2014 only to have it written as a lease rather than finance. We are very near the end of payments and can not get a straight answer on payoff amount. They have been in trouble for failing to disclose and fraudulent practices in the same time frame as our purchase. I asked for a complete statement of our account with all payments, fees, interest so I can see what exactly we were charged ( 60 % over the sale price ) for. They sent me a payment record showing dates of payments but with no other information. I emailed them asking for a detailed record of our account and they have gone completely silent. This all started because I went to make an online payment in XXXX only to find their website gone and that the company doesn't exist. They were bought out by another dealer but have largely the same staff there. We were not informed about any change and when we looked to find what was going on found how much trouble they had gotten in. When asked about it they blew it off as a " misinterpretation '' of the laws. But now they are refusing to send me information to verify that my account has been handled according to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted to asked why my credit score dropped from XXXX to XXXX after settling a bill and the representative could not explain why. I advised him that I review my credit report monthly as I am a divorcee who has been working towards getting my credit back in tack. So I've been paying my debt off over a per of four years. So I'm watching my credit. He stated per his investigation he found some other outstanding collection information on my credit. However, the information he provided was already there and has been for several years. It was not the root of the problem. Those are the accounts I am paying off. The two collection items for {$990.00} and {$210.00} were already fractured into my credit report. 
The representative could not explain to me why my score dropped instead of increasing as it did with the other two credit bureaus. The representative then when on to tell me that I can get the information free if I sign up with my equifax. I am glad they have a program but he did not solve my problem. I want to know why my credit score went down and did not increase once I settled my bill. It appears that someone made a mistake and they are not trying to fix there error.
Product: Debt collection

I received written notice about the debt on XX/XX/XXXX and contacted the company on or around XXXX XXXX to attempt to resolve the issue. I am contesting the debt because it is a medical bill that the provider did not run through my insurance. When I spoke to the representative she told me that I could not dispute the debt, that the debt was medical and they were not able to communicate with the debt holder or transfer the debt back, and that my only option was to pay. The letter I received stated I could call or write to dispute the debt by XXXX XXXX. I have since received a second letter stating the debt is still owed, and no action to verify the debt or get me in contact with the original creditor has occurred.
Product: Student loan

A few years ago, Sallie Mae ( now Navient ) mishandled the consolidation of my student loans and therefore, as a result, the government revoked the " insured '' status of 1 of my loans -- in particular, a FFELP loan ( for approx. {$1800.00} ). 

All the rest of my student loans are held by XXXX and are in PSLF. 
But because of Navient 's fault, XXXX informs me that the Navient FFEL does not qualify for consolidation, because Navient lost its " insured '' status for this loan. 



Now I am contacting you, the CFPB, to ask if you could intervene for people like me who are being victimized by Navient. Through no fault of the borrower ( me ), Navient 's mishandling of my loan led to the loss of its " insured '' status, and depriving me of using PSLF. 



How many tens of thousands of other Navient loan holders are being similarly victimized, deprived of the ability to use PSLF because of Navient 's negligence and fraud, leading to the revocation of the " insured '' status of our loans? 



Please help us all by making all of these Navient " uninsured '' loans now qualify for inclusion in consolidations with XXXX and placed into the PSLF program. 



Many thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been inaccurately reporting my XXXX credit card account for the past two months. Please see attachments of my XXXX Credit Card statements versus what Experian continues to report the same inaccurate balance multiple times in one month causing score decrease.
Product: Debt collection

Hi! 
State Collection Service , Inc at XXXX XXXX  XXXX, XXXX, WI. XXXX has been sending me collection notices in the amount of {$200.00}. The collection has been reported as past due balance. I don't know or owe this company. I have never had any dealings with this company. I've noticed a decrease in my credit score. OnXX/XX/2021 and XX/XX/2021 something was put on my credit from this company, that I don't owe ... which caused my credit score to decrease.
Product: Debt collection

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


CAPITAL ONE Bal. {$0.00} Acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting acct XXXXXXXX XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

I refinanced my mortgage loan with Mr Cooper ( close date of XX/XX/2021 ). I was told I would receive a refund check for prepaid interest within 21 days. 

After not receiving anything from Mr Cooper, I contacted them ( appx XX/XX/XXXX ) and was told a check has been issued on XX/XX/XXXX. After informing them that I never received the check they said they would place a stop payment on the check and issue a second check via XXXX XXXX. 

After not receiving the XXXX XXXX  shipment I called again. Mr Cooper said they mistakenly issued the shipping tags but did not mail a check. They then asked me to send a copy of a voided check vie email ( which I did on XX/XX/XXXX ) and they would issue the funds to my bank account electronically. 

After not receiving the electronic delivery I called them again XXXX XX/XX/XXXX XXXX. Im getting the run around from this company over a relatively small amount of money. 

I find it ironic that after having a mortgage loan with them ( AND NEVER MISSING A PAYMENT OR BEING LATE ON A PAYMENT ) theyre having such a hard time paying me within the legal parameters to do so.
Product: Debt collection

I have been receiving numerous telephone calls from XXXX XXXX XXXX XXXX of XXXX, GA, telephone number XXXX, attempting to collect a debt from a Ms XXXX XXXX. I am not Ms XXXX and do not know who Ms XXXX is, where she lives, or any other information about her. 

I have explained this numerous times to this company and they hang up on me when I try to talk to them about this. I have tried to explain to them that the number that they are calling is not a home land line number, is not a cell phone number, but in fact is the access number of my XXXX XXXX XX/XX/XXXX. However, they continue to call, some days, 4 -5 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XX/XX/23 This letter is in response to your claim XXXX XXXX XXXX has verified that the account that they are reporting is accurate. 

Please be advised that I have sent in a letter requesting a method of verification. Transunion has not responded. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) and ( 7 ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

According to 15 use 1681eb Everything must be XXXX percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Money transfer, virtual currency, or money service

Case Number - XXXX. 
Please refer to the case number shown above. I understand that this has been closed. 
However, although one of the banks, XXXX XXXX, has done their best to assist and actually provided me with new information, e.g. a copy of the check sent by them and contacted the Popular Community Bank, they hit the same brick wall I have been hitting. This bank refuses to assist or investigate the issue claiming the account holder 's security. 
As previously stated, the check has to date, not been credited to the correct payee, XXXX XXXX XXXX From the information received from XXXX XXXX XXXX the check seems to have been credited directly to a Popular Community Bank account! Due to the time difference, it is difficult to discuss the issue by telephone from XXXX XXXX. In any case, the PCB has not been helpful in investigating this issue and even refused to investigate when Ms. XXXX XXXX the accountant at XXXX with I dealt with contacted them, again claiming customer protection. I respectfully request that you contact the PCB and on my behalf demand a thorough investigation on this issue, recover the {$2000.00} from the account to which it was credited and refund the same amount to my account at XXXX XXXX. No more, no less. I am a pensioner with low earnings and I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

On Monday XX/XX/XXXX after numerous phone calls with a debt collection agency at XXXX XXXX XXXX XXXX about a debt that was racked up by abusive ex boyfriend I scheduled an appointment on Friday to discuss options. The debt collection agency agreed, however I found out today the called my parents and informed them that I owed a debt. I chose to not disclose my abusive relationship to my parents because I also know it will further complicate the situation and add extreme stress to my personal life. My relationship with my family is also very complicated and they will only make matter worst. I am extremely XXXX off that after agreeing to speak on Friday they still went ahead and passed along information to my family.
Product: Debt collection

I got lawsuit papers on XX/XX/2021. It said it was from Discovery Bank and is a card that I did had and did have a outstanding balance of {$10000.00} or a little less. Anyways I did not pay much attention because I was nervous and scared and honestly did not know what to do or how to even answer the documents I got. So I thought I should just accept the debt and then work with Discovery Bank to take care of it. Well I send a response to the Justice Court, accepting the debt I called the number on such file and it was from a Law Firm in XXXX Delaware named XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I called a few times on different days and no one picked up and sometimes the line would make the sound like we used dial-up back in the early days of the internet. I decided to call Discovery and they told me to deal with them and I told them I was not even able to reach them. Long story short, I got another lawsuit from the same Law Firm but from another unrecognizable name XXXX acquisitions. In the document, they mentioned an account with XXXX XXXX, which indeed I did have an account with but with a wrong balance something over {$40000.00} they claim. Then I looked at the attached documents and most of the information is wrong like they copy and paste any information and organize it a bit and make it look legit, same I noticed looking at the documents with Discovery Bank Lawsuit. 
So then after a quick search of this business, I found out all the complaints and illegal activities they do, and the pursuit of all types of debts so I decided to actually make a complaint to assure to protect any other customers they might be targeting because that is what I fell, they saw that I did not fight back the lawsuit, they got another of my debt and decided to pursuit too to target me for over {$14000.00}. I tried contacting them and no luck at all. I do not know why they have yet contacted me from the first lawsuit, today is XX/XX/XXXX so since XX/XX/XXXX I am yet to be contacted and now they have got me served again. Because of lack of funds, I did not know how to respond or defend myself and I find myself helpless and decided to consider bankruptcy because these people are vicious, I got offered at some point much ower amounts to settle each of those 2 mentioned debts, but I could not afford anything at that point, these people when straight up for everything I supposedly owned, and because I did not defend myself now they have a legal claim to that and is making my life a living XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXXXXXX XXXX  company submit an application for a loan for me and they asked the Credco XXXX XXXX to run my credit report without my authorization and my consent. I recieved by mail a copy of my credit report and a Loan application number, and I didnt ask them to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting this company and I have tried disputing these inquiries. I am attaching documents to show the information this organization has provided as their address and phone number. 

XXXX basically responded that the organization did verify that I am the person who submitted the credit application and the organization does not have to have my permission to run my credit after I have supplied them the information, BUT THIS IS MY COMPLAINT, I NEVER PROVIDED THIS ORGANIZATION MY PERSONAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to have my credit report expunged of information pertaining to my personal bankruptcy. Both   XXXX   and Equifax have been unfairly intransigent, while   XXXX   has increased my credit score to " Very Good ''.     According to the Fair Credit Reporting Act, " The fact that you filed for bankruptcy can be reported for up  to ten years. While it may se em like negative information, the reporting of your bankruptcy discharge might not necessarily be a bad thing. A bankruptcy discharge can clean up debts that used to show up on your credit report as being delinquent. That is because debts that were  discharged  can no longer be reported as being unpaid or in a past due status. CRAs and your creditors should report each  discharged  debt as : having a   XXXX   balance, anddischarged, included in bankruptcy, or similar language.     While the FCRA does  not directly address how individual discharged debts must be reported, to report a discharged debt as something else ( for example, " charged off '' or having a balance as more than zero ) would violate the provision of the FCRA that requires furnishers ( that is, creditors or collectors that report to the credit reporting agencies ) from reporting incorrect information. 15 USC 1681s-2 ( a ) ( 1 )  ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have 2 hard inquiry hits on the same date from the same company. 

Company showing as : XXXX XXXX XXXX SD XXXX XXXX There showed only be one on that date and not 2. So this is impacting me and I never knew this whole time. 

Also, for : Company : Brclysbankde XXXX DE XXXX XXXX There is a hard hit on two dates : XX/XX/XXXXXXXX  XXXX  XXXX XXXX I was wondering how I can get these dropped off or at least one in good will and a good faith courtesy by chance? 

And also there is 2 for XXXX XXXX on : XXXX XXXX XXXX XXXX, CO XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Both 1 day apart for some reason. And is there anyway that one of these can be dropped as there's 2 for some reason within 24 hours apart that is also impacting me. 

I am trying to better my credit and I didn't ever look at my hard inquires. Everything on my credit is correct. But I don't find it fair to have this XXXX to have done 2 hard credit checks on the same day XX/XX/XXXX. 

And for some reason XXXX XXXX has 2 one day apart from each other. 

I am requesting this to be taken into consideration along with the Barclay if they can do anything in good faith and in good intentions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a capital one Credit card that has been reporting to my credit reports incorrectly. I have done numerous requests to correct and they keep coming back with entirely different information on each of my credit reports! After my verifications through them as well as the bureaus themselves. XXXX as reporting 1 late with the dates of XX/XX/XXXX. XXXX they reported 2 lates on the dates of XX/XX/XXXX and XX/XX/XXXX. The took the account completely off of XXXX entirely and then it just popped back on with no lates. After tons of hours of verifying, requesting it get corrected, it still reports incorrectly to each bureau and is affected my ability to get credit. It greatly impacts my score and I have been denied credit due to each of the incorrect lates! I need help getting these lates and inaccurate information removed from my credit report as I have done everything I can.