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

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX - XXXX - {$0.00} ( XXXX XXXX XXXX ) XXXX XXXX - XXXX - {$22000.00} ( XXXX XXXX XXXX ) XXXX - XXXX - {$0.00} ( XXXX XXXX XXXX  ) XXXX XXXX - XXXX - {$26000.00} ( XXXX ) Inquiry XXXX XXXX XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Student loan

I applied for a PLSF, Public Service Loan Forgiveness, ( XXXX No. XXXX ) and submitted the new application to OSLA and the U.S. Department of Education -- XXXX XXXX, buy FAX and by EMAIL 12 Times. BOTH ignored my application and never contacted me back or updated the information in the system. My Servicer, OSLA, ignored me entirely, maliciously and intentionally. They still have not processed it and it has been over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to the XXXX police department to have them sign my Identity theft victims complaint and affidavit with my federal trade commission identity theft report so it will support my request to block the fraudulent accounts in my credit report. please see attached updated reports with my Drivers license and social security card current copy of my utility bill for my identity.
Product: Debt collection

This company was formally " XXXX XXXX '' There was a settlement for XXXX according to the Virginia Attorney General 's office. Now they are operating under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I have filed a previous complaint ( # XXXX ). They sent me a payment arrangement schedule.
Product: Credit card

I have consistently made timely payments on this account, ensuring they never become overdue. I'm perplexed by the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Product: Money transfer, virtual currency, or money service

There was a XXXX XXXX liquidation website that was promoted regarding clearance of musical instruments, I tried to buy what I thought was a liquidation sale for an alto saxophone at checkout PayPal purchase using my debit card was the option best available to me at the time after the transaction was processed I get a receipt from PayPal in my email advising I had sent a money transfer to a person named XXXX XXXX and not XXXX XXXX music store. 

The fracture created a fraudulent website and used a PayPal gateway to take payments online. 
It's not until the transaction is completed that the PayPal receipt indicates the payment was sent to the person and not a business. 

I tried to resolve the issue with PayPal directly but since I did not have a PayPal account at the time I had a lot of trouble trying to submit a dispute but I eventually was able to. 
PayPal did not call me nor request any additional information by email and they closed the case in the fraudster seller 's favor. 
My closed case number is : XXXX
Product: Checking or savings account

For XXXX years chime bank has keep {$4400.00} give or take a few dollars of my .money have contacted them sent my ID ss card and all info that was asked they said they closed account because they could not verify the source the money came from but it was unemployment from the state on nc XXXX And they seen that also.have the emails back and forth still from them but they never help they have no number to call for this they say you have to do emails but they send same thing over and over and finally quit responding.they even closed my account on the XXXX of that month but then keep a deposit from irs that was made on the XXXX. They seem to do this to a lot of people and they get frustrated same as me so we give up.but I just seen with slot of other banks doing this who to contact.thank you fo your help on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked multiple times for these companies to give me a copy of this debt and nothing was given to me I. Written. There is no record of me signing off on anything I have asked them to remove these debts off my credit report and they refuse to do so and it is impacting my life horrible. I am have called them wrote letters to these companies. And there has been no answer or reply to my letters or phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report 's list of inquiry and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
Inaccurate Name : XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX EMPLOYER : XXXXXXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Many of my rights under the Fair Credit Reporting Act have been violated. Although the original contract was not provided as I asked, they provided documents that stating factual evidence to support their assertion and did not interview my friends, family, neighbors, or associates like the law requires in 15 USC 1681 ( a ) ( 3 ) ( e ) under the exclusion section. They are also in violation of 15 USC 1681 ( a ) ( 2 ) ( b ), and 15 USC 1681 ( a ) ( 3 )
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

20 USC 1232g ( b ) Family Educational Rights and Privacy Act ( FERPA ). Protects the privacy of student education records. I have attached my credit reports in this formal complaint to prove that XXXX and the Department of Education are violating my rights to privacy by furnishing my nonpublic personal information inaccurately reported multiple student loan accounts on my credit report to EQUIFAX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX without my written consent nor did they give me a option to opt out of they reporting the Department of Education and XXXX.
Product: Credit card or prepaid card

For almost 6 months now, I have struggled with the card being randomly declined even when not carrying a balance. Their website was down for a long stretch then, not allowing me to make payments or monitor my account. Their website has been down for almost a week again. I am on paperless billing so have no way to monitor my account against fraudulent charges! 
I have been forced to make minimum payments without being able to check my account transactions to insure they are legitimate charges.
Product: Debt collection

SALLIE MAE BANK joined XXXX XXXX XXXX University in predatory lending practices in 2006.

The accounts that were opened were then transferred to Navient, without my consent allowing them to gain from the sale..

Navient has sent letters to reduce the principal balance threatening they would take legal actions. 

XX/XX/XXXX XXXX XXXX a debt collection company contracted with Navient to collect {$30000.00} also stating they are willing to collect amount of {$11000.00} The Original Principal balance was ....

The amount I have paid including interest ... ...

Was not included in the letter
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, now going by Navient is continuously adding to my principal balance and this is adversely affecting my credit score. I am currently looking to refinance and their frequent updates are detrimental to this process. Also, there are several accounts ( 20+ ) between XXXX XXXX and Navient that were opened and closed the same year or a few years later, which is affecting my average age of credit as well and in turn my credit score. I respectively ask that the accounts from XX/XX/XXXX to XX/XX/XXXX be removed as per the Statue of Limitations for my state of five years. I would also like to request that the accounts from XX/XX/XXXX are removed as we are coming into a new year. I need this done ASAP, as Navient/ XXXX XXXX is partaking in illegal reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter dated XX/XX/2021, disputing an account that I noticed on my credit report for XXXX XXXX XXXX XXXX in the letter I request that they provide me with verifiable proof that this account in question belongs to me. and I also provided a copy of a Police report, a copy of the FTC report, and a sign and notarized affidavit. 
XXXX XXXX sent me a letter dated XX/XX/2021, Stating their account history. they also acknowledge the fact that I requested proof the said account belongs to me but intentionally omit such proof from their letter. they also ignored the contents of the letter and are requesting that I fill out and and sign another affidavit and any supporting documents I may have. 

I'm my opinion, I see this as blatant disrespect of the law and my time and money that it cost me to mail such letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account because of the lates that are reporting with the credit bureaus and the bureaus did not add a dispute remark to the account within 30 days. 
The initial dispute was sent XX/XX/XXXX and still, to this day there are no dispute remarks. 
Please see : Francisco v. Midland Funding, No. 17 C 6872, 2019 U.S. Dist. LEXIS 20601, at *2 ( N.D. Ill. Feb. 8, 2019 ) 15 U.S.C. 1692e ( 8 )
Product: Debt collection

After exercising my rights under the FCRA Fair Credit Reporting Act, and countless letters sent certified mail via USPS, XXXX, XXXX  and XXXX  have failed to properly validate and verify collection activity on my account. XXXX, XXXX, and XXXX  were advised of additional accounts reported by Healthcare collections. I have further disputed that one account made by Healthcare collections is outside of statue of limitations within my state ; original balance reported XX/XX/XXXX that is still being reported against me which is against the law. Other accounts are also being reported by Healthcare Collections have also not been validated or verified. I have disputed several accounts reported by Healthcare collections on XX/XX/XXXX and XX/XX/XXXX via certified mail with XXXX that I have carefully kept record of and no response has been the result of this request for validation. I have yet to receive any documentation bearing my signature showing any form of legal binding or contractual obligation to Healthcare collections debt collector. After being unsuccessful with Healthcare Collections dispute, I have formally requested XXXX, XXXX  and XXXX  on XX/XX/XXXX to further manually validate and investigate the accounts, in which they have simply updated as accurate without any further clarification on how this was completed. I have received no documentation on any records provided by the credit bureaus that also validate and verify the debt is accurate and mine. I need assistance with ensuring XXXX, XXXX, and XXXX  credit bureau comply with FCRA laws and ultimately remove any invalidated and unverified accounts from my credit report as soon as possible.
Product: Credit card

I'm very worried about the addition of this late payment on my account, as my payment history has always been on time. This issue is causing me significant stress, and I urge you to rectify the error by removing it from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows some inquires on my report that does not belong to me. I have disputed several times and called and they inform me that there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX .... Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
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 confidentially under 15 USC 1681. 

XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

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 items 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

Account # XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing this complaint today because Experian credit bureau has violated my rights. I have sent them, on several occasions, letters to validate the debt that they allege that I have. They have not at any time resolved or answered the validation debt letter I requested from them, certified return receipt, within the 30 days allowed for them to do so. 



Experian sent me back a credit report after 30 days stating that they updated the information 3 times. I responded with a letter for them to validate that information and to provide me with the steps that they took to validate the information on the alleged debt 3 times. I knew there was no way that they could have validated the information with the Creditor because I had already sent out a letter to the Creditor asking them to validate the information that they are saying that I owe or remove it from my credit report pursuant to the Fair Debt Collection Practices Act. The Creditor failed to do that on several occasions themselves. The next step was to notify the credit bureau Experian to validate the debt that's on my credit report, which I did. They have failed to provide me with that information still today. I have been going back and forth with them for over 6 months and I still have not been given any information or validation of debt from the Creditor or the credit bureau. As you will see by the green cards I have attached, Experian has had ample time to do their job which they have not done. They have violated my rights on several occasions and it is not fair that they continue to get away with it without any repercussions. I would appreciate it if you could please assist me by having Experian follow the federal law which they have violated on several occasions. At this point in time they should have removed the information from my credit report when it was not validated or truly investigated in the 30 days that they were allotted by federal law. It is now been since the summer of 2018 and I am still in the same situation and they are affecting me from being able to provide a roof over my family 's head because of their disregard to follow federal law by keeping inaccurate information on my credit report without any validation. 

I have attached some green cards and letters that have been sent out to Experian I travel a lot and have ad some trouble finding some of the green cards and some of the letter sent. 



Please help me resolve this situation ASAP as I am very concerned that this will affect my family in ways that I will not be able to control. 



Sincerely,
Product: Credit card

I, XXXX XXXX an XXXX XXXX applied for an increase for my credit card thats opened with ( Capital One ) was for XXXX, i was denied due to many factors but 15 USC 1691 & 12 CFR 1002, I cant be denied credit due to credit score, credit history, or income. Any adverse actions in consumer credit transactions is illegal. Securities exchange act, Federal Reserve Act.