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

pursuant to 18 usc 8 i owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not swayed that EQUIFAX has investigated this account properly. Their investigation of this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which was so odd. I believe they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both EQUIFAX and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX  XXXX XXXX  XXXX XXXX Date opened XX/XX/2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with the 3 credit reporting agencies XXXX XXXX and Equifax to correct the inaccuracies found on my credit file. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, Open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving accounts high balance does not coincide. Last payment does not coincide, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts, Inorrect Personal Information reporting Wrong social security number reporting. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit card or prepaid card

I use to have an account with XXXX XXXX XXXX but I completely closed my account in 2021. 
MyFortiva Credit card decided to send me an active credit line of XXXX in my name claiming since I have been such a great customer I was rewarded a line of credit. 
I did not apply, consent, or want this credit card in any way. I called and they told me even over the phone that I did in fact close the account with XXXX in 2021. 
I immediately did a credit report and saw that this XXXX credit card was on it. Something, I did not apply for. 
They begin to tell me that I received emails that I am getting a new credit card in the mail and if I saw them. They even begin to tell me that it should not be a hard inquiry on my credit. 
I begin to tell them that there should not be an inquiry at all take it that I did not apply for the credit card. They even told me that they know I did not apply for the credit card but proceeded to send it to me because I had a good standing with XXXX. 
Again, not a credit card I applied for or wanted and that is now on my credit report. 
I was told to send my issues to an email and describing the situation to them and that they will get back to me in 1-2 business days with their investigation and final decision. 
Again, a credit line I DID NOT apply for or agree to. 
I am currently contacting them for the third time and sending my issues to this email they provided to me and I have made it clear to them about what they did was illegal and made clear The Truth In Lending Act. 
What I found to be also strange that they knew my new address of where I lived on top of it as I lived in another address when I used XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights, under 15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

I do not know what this company is and have never opened credit with them. Please help
Product: Bank account or service

The Bank withdrew Funds-money from my account without my knowledge OR permission to do so.This was due to the failure of my credit card payment. Todate i never got my money back
Product: Mortgage

In XXXX I was asked by Wells Fargo to send m

y Flood Insurance to them. I uploaded to the email sent to me. I got a letter stating they got the information and at the same time got my escrow showing they purchased a Flood Plan. I resent the Flood Ins showing they already had this information and requesting a call. I asked them to call me about the additional Insurance plan they make me carry. No one has called, I got an email stating they would contact me in 10 days. This was around the Holidays. I emailed again stating I do not believe I need the additional plan and it is too expensive to continue to carry. I pay in my HOA for coverage and due to Insurance going up my HOA is just shy of XXXX a month. I can not continue to pay all this coverage in double.

I do not trust that Wells Fargo is checking my Insurance plans that I have and just making me get more coverage. I have emailed and even called at XXXX XXXX to speak to someone. No one answers it is hold and disconnect and no one emails back.

I can no longer pay all this insurance and this will affect my loan. I have a statement now because of the get me a plan cancel a plan and all the in and out on my escrow showing a XXXX shortage and I do not believe this is correct and can not speak to anyone. Please help me take the appropriate steps to fix what Wells Fargo can not help me with.

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting identity theft. I pulled my credit report and noticed I have items and accounts that are fraudulent and I am requesting for it to be removed from my credit report.
Product: Credit card or prepaid card

Between  XXXX   XXXX  and  XXXX , there were  XXXX  fraudulent charges on my card account under the merchant name "  XXXX    XXXX   XXXX  . '' I disputed the charges online, locked my card, and had additional questions that were outstanding  ( w ould my interest be calculated excluding the fraudulent charges? Since my billing date fell before their estimate of when they could remove the charges, would the credit bureaus be told the incorrect total balance on my card? ) I calle d Capital One 's   fraud department, identified myself and the issue, and the person on the phone said " Ok -- we 'll lock your account ... Looks like those charges are already frozen? '' She had no idea what I was asking, so I asked for a supervisor. I got on the phone with a supervisor ( Sounded like "  XXXX  ' ' )  who then told me that I should just make sure to pay for the specific charges that I actually made, and just not pay the fraudulent ones. I explained that a credit balance is a number -- a consumer does n't get to choose where they pay. Then I asked for her supervisor. I got on the phone with ANOTHER supervisor, who I asked my questions of, who then said that " Obviously, you would need to call the fraud department to ask those questions. '' I explained that in fact, I had called them. Then she said " Oh -- they transferred you here? We have this problem all the time. '' At this point I had been on the phone asking for help fo r 45 minutes and missed a meeting and had zero a nswers and had been told that OBVIOUSLY I would need to do what I already did to get help.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

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 is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following it

em ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom

It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccura
te information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item (

s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. The below infor
mation in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX
Product: Prepaid card

I received an American Express Gift Card from a friend. It came preloaded with {$50.00} to spend wherever American Express is taken. First off, even places that take American Express not all take their Gift Card. It's hit or miss and usually it's a miss. I tried to use the card online for hotel rooms, declined. I tried to use it in several of my digital wallets, declined. It will however work at the convenience store. I stopped at my local XXXX to get gas and a drink. I was talking outside the store with a friend and when I went to pump my gas that I had prepaid with the card inside, it said pump timed out. So I went back inside the station to let the lady know to reauthorize the pump. She asked me for the card back because the pump had sent the money back to the card. So I handed her the card and it reauthorized the transaction. When I went to check the balance a few minutes later, it had both the charges showing up. So my account was charged 2x 's for one transaction. I called in immediately and they said that one of them would fall off after the other transaction finalized within 24 hours. The transaction did finalize, the other did not fall off. I called them again. They said give it 7-8 days. I said for something that didn't go through and they said yes. They said the date would be XX/XX/XXXX and the card would be good again. It is XX/XX/XXXX so I called and checked the balance. It is still being held for over {$10.00}. I know this doesn't seem like much but it's ridiculous for a company to hold my XXXXXXXX XXXX for an extra week when the 2 charges were back to back and I immediately called them to let them know in the very beginning. I spoke to customer service and asked her if there was anything they could do to go ahead and remove this hold and they said no, I needed to wait for 24 hours. I was told that before and look where it got me.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. This account was charged off on the following dates : XX/XX/year> and XX/XX/year>. Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payments history. This inaccurate information falsely manipulates the states of limitations of Fair Credit Reporting Act. Its is my understanding that you reinvestigate this account properly and see its violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX  and # XXXX.
Product: Debt collection

On Friday, XXXX XXXX, 2017, around XXXX, XXXX , XXXX Ext XXXX, from Reliant Capital Solutions elected to locate my grandaughter 's, associated with my grand daughter to call my home demanding to speak with my grand daughter. 
I played the game to attain info to report. My daughter has a college debt, she is paying down accordingly. This XXXX guy noted I WILL 'NOT SPEAK WITH ANYONE ' BUT XXXX . 
SHE IS AN ADULT, My daughter handles financial matters as XXXX attends college, has no income, by daughter supports XXXX 's financial needs. 
I advised XXXX that the call will NOT be passed on. My daughter was deeply hurt and angered as she is paying the balance, but XXXX INSISTS ON EXCLUSIVELY SPEAKING WITH XXXX TO TAKE ADVANTAGE / HARASS HER. WE protect our children from preditors, XXXX is a preditor. 

XXXX need to be directly advised of the threatening implementation of his calls. 

XXXX XXXX Grandmother
Product: Student loan

Navient services both my private and federal loans and make no attempt to actually help me. I have to put my loan on hold because Navient denied my application for income based repayment even though my wife lost her job last year and has yet to get a job. Navient, however, continues to collect principle/interest even though I make some form of payments. Additionally, Navient can not produce loan documents since these documents were lost that I even have a loan. Navient also uses tactics such as lost documents, delayed approval of income or forbearance applications. One tactic in general is Navient will not allow you to apply for multiple programs once you enter a deferment. In other words and as an example, my wife lost her job last year, I can not afford the payments, yet I was denied an income based loan three days after I started collecting principle on a defaulted loan. Navient had my application 3 months prior to the income based renewal, they said they lost the paper work, Really, its digital ; how can you loose that? I also feel I was lied to by XXXX on the degree I received, which by the way is also involved in class action lawsuits based on predator loans and false promises. I respect I am contractually bond to my XXXX/Navient loan, however, when this degree and loan is based on a lie and Navient makes no attempt to do the right thing and help borrowers. Then this loan/contract is null because Navient exploits the loan and the borrowers. How can the Government or CFPB allow Navient to compound interest and principle while harassing thee borrower and not helping the borrowers when he or she can not make the payments due to life changing events? My loans have doubled because of tactics Navient is accused of and Navient cant even produce a copy of my loans. 
At this point I either have to fully default or hire an attorney because Navient only wants to take advantage of borrowers rather then help them using thee same tactics as XXXX XXXX XXXX with home loans. 
Finally, Navient has 7 personal lawsuits related to this complaint along with a class action lawsuits, one from cfpb I believe. I am asking the public, cfpb and anyone else reading this complaint that I am fully willing to join any private or class action lawsuit and to contact me at XXXXXXXXXXXX Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX XXXX XXXXho conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately ... XXXX/XXXX XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent in a complaint concerning my account. This account is closed but XXXX is still showing late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/ Madam, Experian claimed that they do investigations and it takes time to respond, I have sent a complaint against Experian on the XX/XX/XXXX they responded the very same day, this is how they investigate, they just copy and paste the same answer over and over and disregard the damage that they have caused to my credit report. Therefore, I will be submitting a complaint to the State Attorney General and to the Better Business Bureau and to the FTC, at the meantime. My Personal Attorney is preparing a Big Lawsuit against Experian for all the damages and losses that they caused to me and my family of keeping a public record on my report that does n't belong. They will pay all the losses of thousands of dollars to me. I have read and understood the entire law of the FTC very clearly, Experian has violated the verification law and was very contradicting, I have saved all letters, emails, responses that I have received from this frivolous Bureau that do n't seem to have any regards towards consumers, I will also publish my complaints to the local and national newspapers against Experian and let people know what an abortion system Experian has. Verification according to XXXX XXXX Law Dictionary is " ... averment that the party pleading is ready to establish the truth of what he has set forth. '' Also, it goes on to say, " The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. '' The court said " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX v. XXXX  XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX <P/>To break it down into language you can understand, verification is sworn testimony. It can be testimony in a deposition or in court or an affidavit. The only testimony that is admissible is testimony from a witness with First Hand knowledge. A court clerk does not have first hand knowledge nor does the county recorder, nor does anyone at the credit bureaus, nor does XXXX XXXX, the main public records source for the credit bureaus. If someone verifies but they do n't have first hand knowledge, then its not verification. I think it 's for Experian better interest at this time to delete all info and send letters of apologies before they get hit with unexpected consequences that could harm their reputation forever.
Product: Debt collection

XXXX XXXX  has tactics that involve illegal and harassing practices. Exempt monies in my back account have been frozen. I dont have paperwork with dates or legal signatures on them. This attorney is trying to take over XXXX XXXX XXXX  of my savings that came from XXXX XXXX benefits social security back pay that I received after years of fighting for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, we communicate by phone XXXX times!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report that I did not authorize. I have tried to contact equifax on several attempts to remove these inquires and I have been receiving the run arounds. Hard inquiries such as XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). Fraud alert has been place on my credit report. XXXX XXXX XXXX and XXXXt ( coincidentally from the same bank ) accounts played part of identity theft.l and should be taken off my credit report. These inquires were not authorized and need to be removed from my credit report.