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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> has violated my rights. 

I looked at my Experian 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 suppose 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. 

XXXX XXXX XXXX pulled my credit on XX/XX/2023 and I did not authorize this inquiry. This is a fraudulent inquiry. 

This is a violation of the fair credit reporting act section 1681b ( c ) and a serious breach of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX  XXXX {$160.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$9700.00} XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX  XXXX {$63.00} XXXX XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX  XXXX {$920.00}
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 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 ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$1800.00}.
Product: Student loan

I have protections for my federal student loans through borrower defense to repayment. I attended the XXXX XXXX XXXX MN which is now defunct. My loans are with the same lender that they originated with, Navient ( XXXX Sallie Mae ) Are there any consumer protections for private loans for fraudulent for profit college loans? 
I have been paying on these loans for years with no options to refinance ( based on my attendance at this scam school no one wants to refinance the loans, aside from navient and requires a cosigner ) no bankruptcy protections and no accountability by the school for not providing adequate services, nor lender for issuing loans for a scam school. 
Is anything being done for private student loans on for profit fraud schools?
Product: Payday loan, title loan, or personal loan

I went to XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, who has financing through Comenity.net/Dental First. They submitted a fraudulent charge of {$130.00} for a toothbrush I had stated I didn't want/need/ OR RECEIVE. They STILL put the charge on my bill and have not corrected it with Dental First. I have tried numerous times to get Dental First to reach out to XXXX XXXX - but their attempts have failed too. I checked today and the provisional credit of {$130.00} has been reversed. I refuse to pay for something I didn't want/need/or receive. 

Comenity gave XXXX 60 days to respond ... they didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please have them to remove all items that is being disputed. I have ask them many times to remove the bankruptcy. The courts has verified they don't report any documents to the credit agencies
Product: Credit reporting or other personal consumer reports

15 XXXX days should be plenty of time for your company to send me the information that I'm requesting regarding the previous investigation you did on the following accounts listed below. Your Method of Verification is highly requested. To my understanding you sent back an insufficient reinvestigation and everything is still not meeting FCRA Requirements. 
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 
8. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX XXXX XXXX XXXX XXXX Please remove this account or I will file litigation. 
9. Under 15 U.S.C 1681c-2-block of information resulting from identity theft XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX You claim to have verified these accounts pretty fast which you probably didnt completely do. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what evidence are you basing your verification off? Please send that to me also. I want to make sure you are following the laws that are in place that protect us normal people. 
please send me my full credit report along with the following items : your investigation results contact information for each creditor The persons name they verified the dispute with The documentation used to verify the dispute and any relevant information from the previous investigation. 
Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The State Employees ' Credit Union bank ( NCSECU ) failed to provide sufficient notice of balance on inactive credit account. This resulted in an unforeseen late report which could've been resolved. I paid the balance and closed the accounts immediately but was unfortunately only notified by a 3rd party credit score monitoring service. I have disputed this report with the bank as well as state and federal agencies. My concern remains that communication to customers from the NC SECU prior to taking credit-impacting action is insufficient. I was only provided a single mailed letter. Being out of town at the time, this was not received for weeks. The credit union has an account messaging system that was not used to provide notice. My contact information including accurate email and phone number was not used to provide notice. Engagement to the customer was minimal to the point of negligence. Removal of " late '' status from reporting and my credit history is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 complaints against Experian. 

# 1 I have been unable to remove a credit freeze on my credit. I had to freeze my credit as Experian would allow fraudulent use of my credit & wouldn't remove fraudulent items from my report. Experian is being completely unreasonable & now will not allow me to remove a credit freeze. Due to this, I am not able to use my credit to turn on my water utilities or apply for credit. Experian has violated my basic human rights by withholding my credit. 

# 2 They will not remove a fraudulent collections account from my credit. I have opened numerous disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully disputed on ( XX/XX/2020 ) for items on my credit report to be verified according to federal law though physical verification of the original signed consumer contact. The investigation has taken well over 30 days and no proof of contact have been provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of XXXX XXXX XXXX and XXXX that is reporting on my credit report. This has been an on going issue for a year now with XXXX XXXX XXXX   reporting incorrect information on my credit report when a debt has been sold to another company. As you can see from the attachment two companies is trying to collect on the same debt. how do i owe XXXX and XXXX XXXX XXXX money. Also, you will see the inaccurate information reported on my credit report as late and how? How am I late owing your company.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Consumer Loan

I paid my car payment 10 days past the due date in the month of XXXX 2016. The creditor ( innovate XXXX ) reported a 30 day past due on my credit report. 
I have communicated, but they have not taken any action, to resolve. 
Please help.
Product: Bank account or service

Hi, I am an XXXX of an XXXX. I am writing to complain about PayPal 's unethical and potentially illegal business practice in regards to payment processing. My company manages and operates over XXXX. We used PayPal as a payment processor to process XXXX. Starting in XXXX 2016, PayPal started withholding 20 % of our funds for each sale as a reserve which is meant to cover chargeback transactions. We have since stopped using PayPal as our payment processor as we feel like this is excessive after reviewing our chargeback activities for the past 2 years. As of today, PayPal is holding over {$170000.00} of our 's and our client 's money. We are on verge of bankruptcy due to this business practice by PayPal as we are unable to pay our clients and our vendors. We are asking for the Bureau of Consumer Financial Protection to look into this matter and assist us in getting our money back. So that a business that has been operating for over 10 years does not go out of business.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX, transunion are reporting a bankruptcy On my credit report and they have put in the date of furniture that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX which is false, attached is a copy of a letter from the XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX verifying and stating that they do not furnished information over to the credit bureaus or any credit monitoring services nor they verify or validate any information concerning Bankruptcies. TransUnion, XXXX & XXXX are falsely stating this information on my credit reports and have yet removed this information from my credit reports.THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA {$610.00} ( 15 U.S.C. $ 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I need to point out that this issue is not just an oversight. My credit report contains errors that are seriously affecting me, and its been causing a lot of stress. These inaccuracies are impacting my life in ways that are hard to describe, especially during these challenging times.
Product: Mortgage

On XX/XX/XXXX, I sent a dispute complaint letter to midland mortgage and the XXXX confirmed delivery of the letter to Midland Mortgage, XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received any confirmation from Midland mortgage nor any attempt to correct my issues I addressed in the dispute. ( XXXX ) Midland mortgage has been misappropriating the funds in my escrow account for the last XXXX years and ( XXXX ) this year they even pulled funds out of my escrow account to pay for fees and penalties that arose due to their negligence and lack of due diligence. ( XXXX ) As of today XX/XX/XXXX my property taxes still show a balance due for the XXXX tax year!!!!!! I have addressed all of this in my prior complaint letter to midland mortgage and I have called midland mortgage on numerous occasions before I sent the complaint letter and they refuse to address my concerns. My mortgage has been paid months in advance since XXXX so their treatment of my account is fully inexcusable.
Product: Mortgage

On XX/XX/XXXX, I completed an electronic mortgage application with mortgage broker AmeriSave Mortgage Corporation ( NMLS ID # XXXX ). I filled out the online application while I was on the phone with Loan Originator XXXX XXXX ( NMLS ID # XXXX ), who instructed me on how to fill out certain fields. XXXX instructed me to choose to float my rate vs. initially locking in a rate and explained that AmeriSave would honor its initial good-faith estimates if interest rates were to go up. I subsequently spoke with XXXX 's Mortgage Sales Manager XXXX XXXX ( NMLS ID # XXXX ) who confirmed that this instruction was consistent with what AmeriSave Mortgage Corporation instructed its Loan Originators to tell customers at the time, and was consistent with what other customers were told. XXXX repeated the promise that AmeriSave would honor its initial good-faith estimate in case of a rising interest rate environment several times on a recorded phone line, and I have emailed both XXXX and AmeriSave 's compliance department instructing them to preserve all recordings. XXXX and XXXX subsequently related that AmeriSave was no longer willing to honor its initial good-faith estimate after rates went up and offered to cover part of the difference in rates. It was made clear to me and other AmeriSave customers that AmeriSave, not its customers, was bearing interest rate risk. 

I contacted various AmeriSave managers including XXXX XXXX XXXX, AVP of Compliance, who told me " Rates can not be promised. Either the rate is floating ( and the rate can fluctuate until locked ) or the rate is locked. '' This is inconsistent with the instructions given to AmeriSave 's Loan Originators and the representations made by same.
Product: Debt collection

Credit control , LLC is trying to collect on a debt that is the was result of identity theft. XXXX XXXX XXXX  was sent may letters telling them that this account was opened through the result of identity theft. This debt is not owned by anyone in this household. Also XXXX XXXX XXXX was told that the account was the result of identity theft. 
This company needs to be put out of business. 

A complaint was filed on this company before here is the complaint ID number. XXXX it was filed on XXXX
Product: Credit card or prepaid card

So what happened I signed up for chime credit builder it said no interest rates or fees or monthly payments and I went To go look at my pay Check and it was short I contacted my manager and him and he checked and said they sent me more Than that I looked at my credit builder and said it thank you for the payment of XXXX and I didnt agree to pay it I contacted them twice back in XXXX and they said Ill get the money back in check form on XX/XX/XXXX and I called them again a week later and they said Ill get it XX/XX/XXXX which is today and I didnt get the money I contacted multiple people that I know who has chime and they told me theyve never had to pay XXXX for credit builder or any amount of money and I closed my account and before that they tried to take the money from me again
Product: Credit reporting or other personal consumer reports

I was late on my payment, however not 30 days and they put a 30 day late mark on my credit reports and I really need this fixed. If I was 30 days late, which I do not believe I was it is due to their website being wrong and I have screenshots proof. On XX/XX/year> I made a double payment and the late fee plus a little more in the amount of {$1900.00}. Then it stated my next payment due is XX/XX/year> in the amount of {$940.00}. If on XX/XX/year> I caught up and the payments are due on the XXXX, then I was about 16 days late, not 30. If it allows I will attach the screenshots, but otherwise just reach out for what I have. I tried to contact the company, but could not wait on hold as long as I was due to having to work and their hours of operation. Please help clear up the 30 day late mark on all 3 credit bureaus. The company is XXXX XXXX XXXX. 
Thank you
Product: Student loan

I went to XXXX XXXX of XXXX, XXXX for my XXXX in XX/XX/XXXX. When I was registering I was told I had to pull out a Genesis Loan or I could not attend school. At the time I was more focused on the prospect of having a career to help provide for my son at the time. I graduated XX/XX/XXXX and I managed to get hired at the place that I externed at. Well, I was there for about a year and then me and my husband decided to move back down to XXXX XX/XX/XXXX Well, we have been down in XXXX for almost 2 months and I have n't had any luck finding a job. My husband just started his this past Monday. I 'm two months behind on my Genesis loan and this is the XXXX time I have ever been late on it. I was evening paying on time when I was going to school. My monthly payment is {$65.00} a month. So far I 've missed XX/XX/XXXX and XX/XX/XXXX payments so I owe $ 130 month payments but the late fees are outrageous. I owe {$100.00} in late fees as of today XX/XX/XXXX. That 's {$230.00} that I owe as of today. I wont be able to make a payment until my husbands second check which wont be until XX/XX/XXXX. And my next payment will be due on the XXXX so that 's another {$65.00} for monthly and then whatever late charges I owe by then. I 'm afraid that its going to be well over {$300.00} by the time I can pay and I wont be able to pay the full amount because its gotten so large. I have XXXX sons ( XXXX mths and XXXX yrs ) and I have things that I have to buy for them and I have other bills. I had to defer my federal loan because I could n't afford to pay on it at the moment. So any help or information would be greatly appreciated. I know that XXXX colleges are getting sue and I do n't really have an idea of what that can do for me and my family. So and info would be great. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is inaccurately reporting an account for a previous car loan with XXXX XXXX XXXX that has been removed from other credit bureaus because the car was returned and the balance satisfied. When asked Equifax to remove this item they are using my name and identifying information to confirm the account without properly checking the records for this loan.