23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX   XXXX   XXXX , is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit bureaus.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit report. The below companies ran inquires without my permission. I disputed the below items with the credit bureau but nothing has changed. Anytime anything is done with my credit I am supposed to be contacted first. Please remove below inquires. Thanks XXXX XXXX XXXX XX/XX/2017 CHASE CARD Bank XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XX/XX/XXXX XXXX at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX pulled my credit report without my knowledge or authorization. I sent them a letter to request a copy of such application and proof of why/where/whom pulled this report. I also asked that they delete such inquiries. They responded without proof, without a copy of such online application and refuse to delete inquiries. I don't know who they are, they are somewhat local to me which is highly concerning that they are using my information to pull credit inquiries. I wish they to be investigated, I wish my 2 inquiries to be deleted and I would like such proof of whom applied for credit with my information. 


Many thanks for whatever you can do!! 

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

I have not authorized  XXXX   XXXX  to make any inquiry into my credit report. At the times of the inquiries, I had a fraud alert on my report that ask for any company seeking access to my credit file to contact me personally. I called  XXXX   XXXX  on  XXXX  after reviewing my credit report from Equifax and was informed that they will not remove the inquiries. When explaining the issue to them, they refused. They are in violation. Equifax has informed that they will remove the inquiries if the company approves.     I would like for them to remove all inquiries that they have done into m y Credit file an d follow the law correctly.      XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern XXXX  XXXX bankruptcy was on my credit report and XXXX  XXXX bankruptcy did not release this information to the credit bureaus remove this off my report by law under the Fair Credit Report they are violating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has tried to get Unemployment in my name and Also receiving cards to activate from XXXX  XXXX and XXXX XXXX  so far for me to activate when I NEVER applied for ANY of it
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal information Also Known As XXXX XXXX Also Known As XXXX XXXX XXXX Also Known As XXXX XXXX Former XXXX A XXXX Previous Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Collection/Charge off XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1600.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX {$1900.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XXXXXX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXXXX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 : Account Number : XXXX Account Name : 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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

Spoke with creditor back in XX/XX/XXXX and XX/XX/XXXX in  regards to removing the fraudulent hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Creditor stated that they would remove all inquiries and till date it still shows up on all three creditor report.
Product: Credit card

I received a letter on XX/XX/XXXX that my interest rate will be increased to 34.24 % starting XX/XX/XXXX. My current interest rate is 22.49 % ( I think it was about 19.24 % in XXXX and before that and in the past XXXX yrs or so 18 % and I think originally 11-12 % ). I have a credit score over XXXX and have had this card for about 20 yrs. I have never been late and generally pay it off every month. 

I am appalled that a CC company would gouge consumers like this and that they are allowed to do this. I can only imagine what they charge someone who doesn't have my financial track record. 

I have not reached out to the CC company for 2 reasons : 1 ) I think this is unacceptable and am not interested in just getting relief for myself. I'm concerned about the impact on people who are struggling financially, more so than I am. 2 ) If I don't accept these terms they will " close my account ''. 

What is being done to protect consumers? Are they just allowed to charge whatever they want and be flagrant profiteers on the backs of consumers? Is there greed allowed to go unchecked? They are no better than pay day lenders! Will it be 50 % next year? I'm disgusted! Something needs to be done!
Product: Debt collection

Cancelled my services because of a high bills. I spoke to manager who gave me the balance due which I paid. They ported my number out to the new code, after 5 months received a notice From a collection agency that I owed {$690.00}. I contact XXXX and no one could give me the reason why the amount was owed until I had the account escalated and spoke w account finance which explained the manager gave me the incorrect balance to pay. Advised me would waived all charges if I paid {$450.00} and removed all information from the credit bureaus. All Charges where suppose to be removed due to misunderstanding of charges by their manager. Collection agency has place 4 hard inquires in my credit file and I would like all of them removed wirh a letter of removal.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX after pulling my credit report, I was made fully aware the account through Dividend my account # XXXX was closed on XX/XX/XXXX as a charge off. On or around XX/XX/XXXX, I received a statement from Dividend requesting payment in the amount of {$1500.00}. These charges would included principal, interest and late fees dates within the month of including XXXX, XXXX, XXXX and XXXX of XXXX. According to the FDCPA, Dividend has violated my rights as a consumer by adding additional fees once the account was closed and charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or removed. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are repaired immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

This complaint is part of an ongoing issue with Navient in which my loans have been significantly mismanaged, resulting in improper loan amounts being displayed on their website with additional, fabricated interest amounts appearing, etc. Please see my prior complaint for more details. 

Most recently, Navient escalated my case to the " Office of the Customer Advocate, '' where I spoke with " XXXX '' at XXXX, extension XXXX. Although I signed up for automatic payments approximately four months ago, the amount has not once been debited from my account. Instead, my student loan payments appear as " late '' on the Navient website each month unless I pay manually. I resubmitted my application for automatic payments and, according to the website, it is complete, but my loans are still not being debited from my account. The first time this happened, I called XXXX back and spoke with him about the issue, and he said he was submitting a manual payment to take care of a loan amount that was several weeks late. He never submitted the payment. I tried to call him back again, and he ceased answering his phone or returning my calls, despite my leaving several messages and speaking to a " supervisor. '' I remain required to make manual payments every month despite the Navient website claiming my payments will be made automatically. 

In the screenshots I 've attached, please note that the payments are pending only because I submitted them manually prior to taking the screenshot.
Product: Credit reporting or other personal consumer reports

I recently found out through my credit report that more identity theft has occurred after the initial police report was filed XXXX. I noticed this issue when I tried to apply for a house and apartment, and they told me I have an eviction on my credit report that was up for collection. I contacted my credit company, and they sent me a copy of my credit report which shows two account that was open by XXXX XXXX who is my bothers girlfriend ). My brother 's name is XXXX XXXX, and he is currently incarcerated ) ( I do not know her contact information ). She is associated with the original identity Theft case ( XXXX ). The address to the places on my credit report : XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Fl. The other address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl . Im looking to get this incident resolved asap. I need to add the info to move forward with the investigation and clear my name and credit to be able to move on with my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent out a letter to the credit bureau Equifax asking them to investigate my account to make sure my account was XXXX XXXX  accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I seen that my account status was updated.The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate XXXX XXXX XXXX, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. On XX/XX/2022 I reported the claim to cfbp and Equifax responded back XX/XX/2022 saying how they will fixed the issue. On XX/XX/2022 the investigation was complete on XX/XX/2022 they said everything is a XXXX XXXX  accurate. I am very confused at this point because the same problems are still showing on the account inaccurate account types, inaccurate date opened, inaccurate XXXX XXXX XXXX, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. Now all this cant be accurate the accounts appear to be furnished by the same creditor why reporting data different. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so.This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions. 
Another thing is this issue has been on going with not type of result at all it has been damaging to my credit with inaccurate information.I have been trying to dispute many accounts with them for a while now and keep ending up with the same results with not having a proper investigation.I havent received my updated credit report in the mail either.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is inaccurately reported. Rather than fix the problem, TU sent me a letter accusing an unauthorized third party made the request. As if I'm not capable of advocating on my behalf. XXXX corrected the report ( thank you ). And XXXX never bothered to reply!
Product: Debt collection

I have asked this company for a investigation on this account. I have attached this account in my bankruptcy ask this company to check this to verify this. I have proof of this on my discharge.
Product: Mortgage

My mother and I purchased a home together. My mom got sick and was XXXX. We fell behind on our mortgage. We have tried to save our home by trying to get trying to get a modification with no avail. When we first started trying to modify, XXXX XXXX XXXX had the Mortgage. I faxed all the forms and necessary documentation to them at least 15 to 20 times and was always told they did not receive the faxes I sent, even though I had the fax confirmation sheets. I finally took all my forms and documents to the XXXX XXXX XXXX Branch that I got the mortgage from and provided them with the fax # and they faxed it for me. ( XXXX-then said they received the fax. ) They were about to do a trial modification in " I believe XX/XX/XXXX " per a phone conversation I had with one of there Customer Service Representative at the XXXX phone #. About a week later, I received a letter from XXXX stating they will be putting my mortgage with a company called OCWEN. I called XXXX and OCWEN and was told that I will have to start the modification process all over again. ( I started the modification process in XX/XX/XXXX. ) I did just that and OCWEN also started off with saying they were not receiving my faxes. In the mean time to save my home, I had to file Bankruptcy, Chapter XXXX. I paid on the Bankruptcy for about 18 months in the about of over {$38000.00}. The bankruptcy court dismissed the case because I did n't make enough money to make the entire payment every month. The whole time the home was in Bankruptcy, I was still trying to get a modification and also XXXX Grant that was available XX/XX/XXXX to help people that were having trouble and facing forcelosre. I have actively tried constantly to get this situation resolved and have not been able to. OCWEN would say that I made to much money or not enough money to qualify and my income did not ever vary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 6048 section 2 it also consumer reporting agency can not without my way and instructions under 15 USC 1666V payment on a credit card account under an open end consumer credit plan for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i am trying to get these account listed below off my credit due to being open fraudulently which i have never open these accounts. and also disputing a bankruptcy thats not mine public record is XXXX XXXX bankruptcy 1. XXXXXXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXXXXXX ( 2 ) accounts 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. CXXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9 XXXX XXXX XXXXt ( 4 )  accounts 10. XXXX XXXX XXXX 11.XXXXt XXXX XXXX ( 2 ) accounts 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14.  XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXXXXXX XXXX 16. XXXX XXXXXXXX XXXX 17. XXXXXXXX XXXX 18. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with trasnunion. checking my file ive noticed alot of errors that needs to be fixed. this has been an issue that ive addressed multiple times an have not changed. please review an remove the following information that needs deleted in th files submitted asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with XXXX XXXX, XXXX and XXXX XXXX  with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the time frames listed I also asked for assistance from each of the credit bureaus. I initiated the dispute process because I contracted with the XXXX XXXX XXXX in XX/XX/XXXX and they were to assist me with paying my creditors. Although I was struggling to keep my payments current I was not late with the accounts listed above prior to contracting with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Mortgage

My loan was assumed by OCWEN in 2013. I have been receiving phone calls stating that I am behind on payments and charged late fees.I made payments to OCWEN for my mortgage. In looking at my payment history OCWEN applied some these payments directly to the principal balance. This created a shortage or " suspense '' for the following month. I have called to have the principal payments applied as a regular payments to my account. OCWEN not processing payments correctly to my account. " Suspense '' and " payment rev '' 's are not being credited properly to the account. I am being charged late fees and they have reported this on my credit report.