23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As a consumer, I am demanding a deletion of ALL inquiries listed on my consumer report.
Product: Vehicle loan or lease

Paid off car almost 1 year ago and still have not received the title.
Product: Checking or savings account

I was notified my account was getting closed for a check the bank suspected to be fraudulent which it wasn't. After this I had to wait a month for them to send a cashier 's check with the remaining balance of my checking and savings account. I received an email with the amount I should have received in the mail. However, I never received it even after I spoke to a branch worker, and they also told me I was correct on the amount I would be receiving back. I have yet to receive XXXX XXXX from Wells Fargo of my money. I don't have the funds to sue as I am a college student. I attached a file from the email I got from wells Fargo showing the money that was mine.
Product: Vehicle loan or lease

In XX/XX/XXXX, I took out a loan with Toyota Financial Services for my XXXX Toyota XXXX. I had been making my monthly payments until, due to an error on their part, my automated payments were canceled and I did not receive any statements after the full payment had posted ( until the day of this letter, statements have not been processed nor have I received any notifications regarding this matter ). I called Toyota Financial Services when my automated payments were canceled, and I was simply told that the account had been closed since the account had been paid in full and the title was already on the way. On the following days, I received the evidence mentioned above. In addition, my GAP Insurance has been canceled due to this administrative error, exacerbating the situation. Despite possessing these legally binding documents, I would not like to receive collection notices and additional charges on my account. 

This action is based on the following documents, which I present as evidence : 1. Notarized Letter : Issued by XXXX XXXX with Notary Number XXXX ( Notary Public XXXX XXXX XXXX XXXX XXXX Expires XX/XX/XXXX ) Certifies that the debt in question has been paid in full and that the financial institution " no longer claims a security interest in the vehicle. '' As of XX/XX/XXXX XXXX. Installment Sale Contract Paid in Full : Issued by your institution. 
3. Letter from Your Institution : Confirming that the debt was paid in full on XX/XX/XXXX XXXX. Certificate of Title : Dated on XX/XX/XXXX. Lien Released by your institution signed by XXXX XXXX ( also mentioned in notarized letter ). Attached to Toyota, I can't include it here. 

The notarized certification holds legal validity and must be respected unless formally refuted in court. Under U.S. regulations, notaries are obligated to act with accuracy and integrity in certifying documents, in accordance with applicable state and federal laws. 
Any error in this document falls under the responsibility of the notary and, by extension, your institution for failing to address the issue promptly. 
Your actions violate my consumer rights by failing to provide due process to remedy the error, directly charging the balance to my account without informing me via mail, email or call and without giving me the opportunity to resolve this matter. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from improper collections and abusive practices.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act & Fair Debt Collections Practices Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Title ; 5 USC 522a Privacy Act of 1974, commonly referenced as the fair information practice principles ( FIPPs ), 15 USC 1681 and 15 USC 1692 et seq. 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ) : Account name : XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX, AS PER TITLE 15 USC 1681, 15 USC 1692 et seq . 15 U.S.C. 1681s-2 ( A ) ( 1 ), 15 U.S.C. 1681g 609, 15 U.S. Code 1692g, 15 US Code 1692c 1692c ( b ), THESE ACCOUNTS HAVE VIOLATED MY RIGHTS. 

Also, 15 U.S.C. 1681 section 602 A states that I have a right to privacy. 
15 U.S.C. 1681 section 604 a Section 2 : It states, a consumer reporting agency can not furnish an account without my written instructions. I have NOT given permission or written instruction to furnish an account. 

Furthermore, 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer 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.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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 or other personal consumer reports

I have disputed fraudulent information on my consumer report with ALL three credit reporting agencies and the only ones who are performing their fiduciary duties are XXXX. I have no problem with XXXX at this point. On the other hand, Equifax Inc., and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have continued to furnish this inaccurate and fraudulent information on my consumer report causing me great harm. I have stated and sent written correspondence claiming and proving I have been a victim of human trafficking and identity theft and based on me providing proof in the form of a police report, FTC report and a victim determination letter, they are supposed to remove the erroneous information after four ( 4 ) business days per FCRA Section 605 ( B ) and 605 ( C ). They have not done so. Most of the accounts in delinquency have charged-off the account which by IRS publication is determined income and income can not be placed on a consumer credit report. Not only have they violated the FCRA regulations but also 12 CFR Part 1022, 12 CFR Part 1016, 16 CFR Part 314 and the Privacy act of 1974. There have been several security breaches where consumer information has been stolen from their safekeeping in trust which violates Trust law as well. These companies are also committing securities fraud by selling consumer notes on secondary and foreign markets/exchanges. Per Equifax Inc. SEC 10-K filing between them and their indenture trustee, XXXX XXXX XXXX XXXX XXXX they clearly state they will not sell our securities on any markets. I am calling the XXXX XXXX XXXX XXXX XXXX XXXX, at XXXX tomorrow to get Equifax XXXX XXXX XXXX XXXX number and will make a claim against it if they do not settle with me immediately. XXXX is in violation of The Foreign Corrupt Practices Act ( FCPA ) for international practices involving fraud or corruption impacting U.S. consumers due to their XXXX security breach. I am not standing by while these companies commit all of these violations anymore. I have attached my XXXX XXXX cover sheet and am willing to take XXXX to federal court for their crimes. I will call XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and report XXXX for their fraud. I will file form XXXX to the IRS along with any XXXX that I discover have been filed in my name by either of these companies and have them both audited. I am calling the I am also prepared to involve Equifax , Inc. and their trustee, XXXX XXXX XXXX XXXX, for securities fraud. I will purchase a financial forensic audit based on GAAP which will show the chain of custody for the securities being traded on secondary and foreign markets if my demands aren't met expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow-up complaint in line with my previous attempt. I need you to remove or block the reported items in my file for I believe they are erroneous. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a few inquiries on my report from unknown companies. Please remove these from my credit report. 
1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Debt collection

On XX/XX/2018 I purchased a ticket for my brother on XXXX XXXX. There was a problem with the way he was treated, I told AmEx, they CREDITED my account the full amount of {$810.00}. 

XXXX XXXX is not accepting that. I told AmEx that XXXX XXXX is not accepting that. AmEx told ME to tell XXXX XXXX to contact AmEx. I did tell XXXX XXXX that and they said that AmEx always sides with their customers and I am still responsible for the full amount of of {$810.00} Every morning at XXXX XXXX I get a computerized call because this bill is not unpaid.
Product: Checking or savings account

someone withdrew money from my account from an atm at a XXXX without my card or phone being present. they withdrew my money and i did not lose my debit card or phone and i did not give out my information to anyone. the fraudster used a contactless atm at XXXX and did did not need a physical card to take my money from my account. the card company denied my dispute to get my money back that the person stole out of my account. i want my money back. Cash app was the card company. XXXX ( adress unknown ) was where my money was withdrawn out of their atm for an amount of {$200.00}. The fraudster checked my account from this atm and then withdrew my funds. I do not know how they got all my information. I did not make this transaction. I was notified via text message to my phone number XXXX of an account balance notification and followed by a withdraw from a atm in the amount of the money in my account. I was at home in bed when these transacrtions at a XXXX were made. Cash app denied my claim, stating there was no issue with the transactions. I called their customer service and asked them where the atm was located that my money was illegal taken from and they told me they had no adress and they have no way of finding out where the money was taken from all they had was a store name. I went on my phone account after they denied my claim for fraud and unauthorized use and they had removed from my statements what store the withdraw was taken from. it no longer stated XXXX as it previously did. I asked customer service why they removed the store name and they stated they did not have an answer for my questions. I did not make these transactions and i want the money that was stolen out of my account back,
Product: Credit reporting, credit repair services, or other personal consumer reports

In approximately XX/XX/XXXX, I received information from Equifax that an old account from XXXX XXXX with a open date of XX/XX/XXXX was scheduled for deletion from my credit file in XX/XX/XXXX. So far, this item remains on both of my Equifax and XXXX credit reports. 
I attempted to file a dispute through XXXX XXXX with Equifax regarding this item. I began at approximately XXXX XXXX on XX/XX/XXXX. I filled out my information, and received a message that the system would be unavailable in XXXX minutes for " nightly maintenance ''. 
I also saw an " OK '' button that when clicked, did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2017 SHELLPOINT PULLED MY CREDIT ON XXXX ( SEE  ATTACHED ) FOR SHORT SALE APPROVAL PROCESS. THEY INDICATED MY SCORE WAS XXXX ON XX/XX/2017. I AM DEMANDING FROM SHELLPOINT TO FURNISH A COMPLETE COPY OF THIS REPORT FROM XXXX, OR BE SUED.
Product: Mortgage

I had filed XXXX  XXXX in XXXX and paid I to it for 2 years. I paid well.over the amount I had filed for. In XX/XX/XXXX, my attorney had asked for payments to be stopped since I had paid way over. The courts dismissed the XXXX  XXXX and I made a payment to the mortgage co to.be back on track,, they took the payment and the next month I went to make a payment again and they advised me they could not take my payment because I was in foreclosure. The, Arvest Central Mortgage is not wanting to work with me on making my payments. This is an ongoing problem with Arvest. I have been In My home for 15 years and can not afford to walk away. Nor can I afford to.pay lawyers to take my case. Everything else was paid off in the XXXX  XXXX and the mortgage as well.
Product: Debt collection

Today I received a notification on my credit report from this company for an alleged debt. I haven't done any transactions or communications with this company nor have I shared any of my personal private information with this company. They are violating my rights under FCRA and FDCPA invading my right to privacy and furnishing accounts without my consent or authorization. I would like for this account to be deleted removed and blocked asap
Product: Credit reporting or other personal consumer reports

I appreciate the action of Equifax in removing most of the fraudulent inquiries, but the bureau STILL NEEDS to REMOVE this remaining inquiry. And with regards to to my issue in my XXXX credit report, the XXXX needed to remove XXXX more fraudulent inquiries. And the XXXX Credit Bureau have NOT REMOVED any of the needed to be removed fraudulent inquiries. Again, I am asking the XXXX Credit Bureaus, especially the XXXX to please REMOVE the listed inquiries in this complaint : XXXX XXXX XXXX XXXX XXXX XXXX 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

For over a year, I have been fighting with Nelnet to correct information on my file that is incorrect. I have been on the Income-Based Repayment Plan since XXXX and have re-filed every year. I was told in XXXX that they did not have me on and that information was mistakenly provided to me which had led me to believe that I was on the IBR plan. I was informed that for the past 7 years they used up deferment and forbearance instead!!! Last year when I submitted information to recalculate my payments ( this is when I learned that I was not on IBR ), Nelnet had my paperwork sitting there for months without touching it. It was n't until I checked my credit report that they incorrectly reported more than XXXX accounts at least 90 days past due!!! My credit went down nearly XXXX points! I have gone back and forth with them to no avail. When I told them to correct the IBR information for the past 7 years, they basically told me they were sorry but there is nothing they could do. I can not get approved to live an in apartment now and I have been having a hard time finding a job that allows me to pay more than my minimum payment to pay my student loans. I can not finance another vehicle and my credit card was recently cancelled due to this.I went to graduate school and I have a large amount of loans I took out to pay for my education. Nelnet has been avoiding correcting the information. I believe that the cost of my loans is exceedingly high and do not reflect the correct amount I borrowed including the correct amount of interest. They are difficult to deal with and their representatives on the phone are powerless. Please do something about this. I know many people who are struggling with the same issue being cheated by Nelnet. 
I believe much of the confusion on Nelnet 's part comes from lack of understanding from the representatives on how repayment of student loans impacts the borrower. Every single person I spoke with had a different answer and I attempted to have them give me the correct paperwork for recalculations 6 different times in XXXX. I am sincere in repaying my student loans but find that their business practices are misleading and damage the borrower 's ability to pay by increasing fees, keeping incorrect information and reporting it to the credit bureau. I have never before had my loans in a late status. I want them to be fair and give me the opportunity to repay but have the correct information and also fix all the accounts they placed in late status reported to the credit bureau. Every time I speak with them about fixing it, their response is " its not what you have sent. Its when we receive it '' despite them having the paperwork and having it sit there with no action being taken. My financial situation and future has been heavily impacted by this. My credit tanked to the point I cant find a better paying job now and properties are refusing to offer a lease without a heavy deposit that I can not afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score have always been between XXXX to as high as XXXX. Two weeks ago I applied for a XXXX XXXX credit card. The bank made an inquiry and as a result I saw my score dropped to XXXX. Under What criteria such a significant change was assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've looked at my accounts across three different major bureaus and non of them have my current address and the previous ones are incorrect. I've contacted and submitted supporting documents to all of them as far as Experian, XXXX, and XXXX with non of them properly updating the info
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 - XXXX XXXX, XXXX XXXX checked my credit without my permission. I was a victim of Identity Theft. 
Also, on XX/XX/2020 - Klarna / XXXX attempted to give me a loan. I did not authorize this company to check my credit. I contacted them already as well to decline any application. I was a victim of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX  XXXX XXXX credit card on which I had a first late payment in XX/XX/XXXX. The account was closed by XXXX XXXX XXXX and referred to XXXX XXXX XXXX XXXX. While I eventually paid the full balance due, the closed account was continuously late from XX/XX/XXXX to XX/XX/XXXX. This account continues to show up on all three credit bureau reports. Because the date of first default is more than seven years  ago and the account was in collections, the entire account should by now be removed from my credit report. 

I filed a dispute with TransUnion and received notification that XXXX  XXXX XXXX had confirmed the account as accurate and is reporting it as late from XX/XX/XXXX to XX/XX/XXXX. It does not show the earlier late payments. 

I contacted XXXX XXXX XXXX 's Credit Card Department. The employee informed me that he also saw that the account should be removed from my credit report but transferred me to the Collections Department for further assistance. The Collections Department Employee told me that they do not keep records going back that far and was unable to locate my old account for further assistance.