23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I  XXXX  am not the person that opened an account with  XXXX   XXXX . I can safely say someone has my information and is using it to get service with  XXXX   XXXX . Please feel free to contact me for any questions.
Product: Credit reporting or other personal consumer reports

Someone stolen my personal information and open a credit card account!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX 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 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 want these inquiries removed off of my credit report. I did not give these companies access to my credit information. These are fraudulent inquiries.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX, XXXX  XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, XXXX  XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX  # XXXX, XXXX, XXXX  XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am very sorry to make another formal complaint against members of the Navient 's collection department but they are quite disrespectful towards me when I make a payment. Consumer service reps including XXXX and XXXX was very disrespectful. XXXX did not understand proper XXXX and talked very disrespectfully towards me. Meanwhile, XXXX seem to have a problem with me on a personal level. However, supervisor XXXX XXXX openly stated that he would go to bat for his employees despite their disrespectful statements because he did not believe they were in the wrong XXXX XXXX was openly trying to gaslight me as woman and trying to talk over me. He openly expressed that he felt that I was problematic for standing up against his disrespectful staff. I felt that dogs respond better to my questions than most of the staff at Navient. Personally, it seems like many people inside of the Navient 's collections department do not want me to make payments towards my loan.
Product: Credit card or prepaid card

Mailed in a check payment to Big Lots Credit Card Company ( Comenity Bank ) {$1800.00} on XX/XX/2023. Check was cleared by Comenity Bank on XX/XX/2023 and has not been posted to my account. Have called customer service 4 times. Each time they have stated they show no record of payment. Customer service has told me to check with my bank not an option bank shows funds have cleared and excepted by Comenity Bank. The customer service reps have no way of searching for my payment. They keep telling me to check back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX, on Behalf of Themselves and All Others Similarly Situated, Plaintiffs, v. GREAT LAKES EDUCATIONAL LOAN SERVICES , INC., EQUIFAX INFORMATION SERVICES , LLC, TRANS UNION, LLC, EXPERIAN INFORMATION SOLUTIONS , INC. and VANTAGESCORE SOLUTIONS, LLC, Defendants. Case No. CLASS ACTION COMPLAINT ( I ) Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( II ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.14 ( b ) ( III ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.25 ( a ) ( IV ) Violations of the California Unfair Competition Law, Cal. Bus. & Prof. Code ************* ( The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XXXX/XXXX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by XXXX  XXXX use of an XXXX  credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President Donald Trump on XX/XX/2020. I will be a member of the class action above.
Product: Credit reporting or other personal consumer reports

Hello, I am wanting these inquires to be deleted, because I did not authorize these companies to run my credit.
Product: Student loan

In XX/XX/XXXX I received a letter from Discover Student Loans that was very vague and lacking in details, but it said that there was a change in my account regarding interest capitalization and due to this change I am eligible for a credit. I was not give specific details regarding the interest, nor what the credit would be, and I have twice sent them a message through the mail center in my account and have not received a response. In addition, the XX/XX/XXXX student loan interest payments attributed to my account totaled {$460.00}, according to Discover, but according to my calculations that total should be {$600.00}. I initiated an online chat with a representative last week ( I believe it was either XX/XX/XXXX or XX/XX/XXXX ) to discuss the discrepancy. The representative added the interest as well and also concluded that the information included in my tax statement was incorrect, and therefore was requesting that a specialist look into this situation. I was told that I would be contacted in the next day or two, but nobody ever tried to contact me. So today ( XX/XX/XXXX ) I once again initiated a chat where I was told that after looking into the tax situation it was determined that the " credit '' I was eligible for was applied to my student loan interest payments for XX/XX/XXXX which reduced my interest payments by {$130.00} ( according to my calculations ). This makes absolutely zero sense to me. Why would a credit be applied to interest payments that were already made, which could reduce the amount of my tax refund? Why would n't that credit be applied to my current statement or statements going forward? I asked the representative these questions and he was unable to answer them. He told me that nobody would be able to answer those questions for me because changes being made to accounts " happen in the background '' and I would not be able to get an explanation as to how things were calculated. In my opinion this is incredibly deceptive. How can changes be made to my account without an explanation given to the consumer? If adjustments are being made, then somebody should be able to explain to me exactly what those adjustments were and how they were calculated. I am extremely frustrated with the lack of information being provided by Discover Student Loans, and I would like some answers as to why a supposed " credit '' to my account actually looks like a penalty when it comes to the information I need to include on my tax returns.
Product: Credit reporting or other personal consumer reports

To : CFPB and Equifax Disputes Subject : Unauthorized Hard Inquiry by XXXX XXXX XXXX of XXXX I am hereby submitting an official complaint to the Consumer Financial Protection Bureau ( CFPB ), which oversees credit and banking-related products and business practices. 

On XX/XX/2024, my credit account was subjected to a hard inquiry by a local dealership registered as XXXX XXXX XXXX of XXXX. During my visit to this dealership, I was asked to provide personal details, including my Social Security number. Unlike other dealerships Ive visited, where explicit consent is always obtained before a credit pull, I was not asked to sign any form authorizing this inquiry. This practice is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681b ( b ) ( 2 ) ( A ), it is required that the requesting party obtain explicit consent from the individual providing their Social Security number before accessing their credit report. The dealership failed to comply with this requirement. Therefore, in accordance with 15 U.S.C. 1681i, I have requested Equifax to review this matter and remove the unauthorized inquiry from my credit report. 

However, despite my recent disputes ( case numbers XXXX, XXXX, and XXXX ), Equifax has sided with the dealership, stating that the information is accurate. This decision was made without providing any explanation or supporting documentation. 

I am requesting a thorough investigation into the dealerships violations of the FCRA. I also request all relevant documents that explain why Equifax has sided with the dealership and what evidence Equifax relies on to support its position that the dealership obtained my full authorization to access my credit file. Furthermore, I seek clarification on why Equifax has refused to remove the inquiry from my record, despite my assertion that I did not authorize the dealership to access my credit information. 

I urge the CFPB to investigate Equifaxs handling of my disputes and to ensure that my rights under the FCRA are fully protected. 

Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file.
Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.
Product: Vehicle loan or lease

I called XXXX XXXX XXXX on or about XXXX XXXX to inquire if they were able to or willing to finance vehicles with a salvage title ( the salvage title status with THE first subject that I brought up ). I was told " yes '' by the representative on the phone and I went through the steps to become a credit union member and applied for the auto loan on the same phone call ( the vehicle 's VIN number was given to the rep. for XXXX pricing to be obtained ). I was approved for the full asking price on the spot per the representative and received instructions on how to fund my loan for said salvage title vehicle. I moved forward a week later ( after some due diligence on the status of the vehicle ) and opted to have checks for the full amount of the vehicle purchase, as well as promissory note sent overnight to my address. I later signed and returned one of the 2 promissory notes enclosed ( one copy for my files ) and brought the check to the dealer to purchase the car but the check was not honored by the bank ( XXXX ). I called XXXX to find out if I missed a step or if the check was endorsed incorrectly and I was told that they could only finance 50 % of the vehicle 's XXXX value but with my credit score they were not able to do that amount. I have asked for an upper level representative to call me but no one has called me to resolve this issue. I have already taken possesion of the vehicle and as per the XXXX member website this loan remains under my name and my first payment was due on XXXX XXXX. I have included the screen shot where I HAVE PAID THE FIRST PAYMENT ON THIS LOAN ALTHOUGH THEY HAVE REFUSED TO FUND IT. I 'm not sure what else to do. I mentioned to the rep I had been very forthcoming on the first phone call regarding the this vehicle 's salvage title and never kept it a secret.
Product: Student loan

I've contacted Nelnet via certified letter to request the original master promissory note to verify the loan debt is in fact mine. They have failed to provide the original master promissory note to me ( on multiple occasions ) with my signature and unable to verify that the student loan debt is in fact mine. 

The debt is being report late on all of my credit reports and requesting that the debt be removed from credit file since Nelnet is unable to provide this master promissory document thus unable to verify the debt.
Product: Credit card

My account was abruptly closed due to errors on American Express end. As per my agreement when opened, I have 90 days to claim cashback rewards. I have attempted several calls, chats and emails and nobody is willing/able to assist. I am owed {$950.00} in cashback rewards and am getting nowhere with Amex. When they closed my account, they deleted all of my information which is very dishonest and misleading in my view.
Product: Debt collection

this company calls me every single day sometimes multiple times starting XXXX in the morning. i did not give them any permission to sell/share or use any personal information when i asked for proof of purchase they ignored me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$54.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute developed between myself and XXXX XXXX XXXX ( now called XXXX XXXX ) regarding a delay in completing a residential construction project. They cut-off loan disbursements without any prior notification, including for costs already incurred. To resolve the dispute I provided an updated construction plan that was agreed to by both sides on XX/XX/2018. We proceeded with construction under the new plan. 

On XX/XX/XXXX XXXX announced undisclosed stipulations of a {$500.00} fee and additional inspections to be a part of the agreement. I rejected these additional stipulations on XX/XX/XXXX. 

On XX/XX/XXXX XXXX  made unauthorized hard inquiries on my credit report and also on my wife XXXX, possibly as retaliation. I informed XXXX on XX/XX/XXXX this was unauthorized and that they needed to stop doing this, reverse the inquiries and notify me this was done. They did not acknowledge this communication, nor address my concerns when I called on XX/XX/XXXX, nor acknowledge an additional mention of the problem on XX/XX/XXXX. 

XXXX also transferred the loan in question out of the local office, and also transferred an unrelated loan, possibly also as retaliation. I asked that they return the unrelated loan on XX/XX/XXXX, but they did not acknowledge the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$4300.00}
Product: Debt collection

I received a call from a law firm called XXXX and XXXX phone number XXXX in reference to XXXX on XX/XX/2018 stating that EZ Corp payday loan company is seeking repayment in the amount of {$3900.00} claiming the debt is still incurring interest daily. EZ Corp was sued for this very thing a couple of years ago and given the order to cease all collection attempts as they broke the law. Now I have not dealt with this company in over 8 years so why they have a collection firm contacting me is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US Dept of EDXXXX Account # XXXX, US Dept of EDXXXX Account XXXX XXXX, US Dept of EDXXXX Account XXXX XXXX XXXX US Dept of EDXXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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


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: Checking or savings account

I applied for USSA renters insurance online. I found that it was more than the insurance the storage company provided and paid out less, if a claim was made. I called to cancel the insurance, before I was access any fees. The woman told me that she could give me a better deal on the insurance. When she looked to find a better deal, she found she could not modify my insurance, because there was a problem with the system at that time. I said I would call back. I did not call back and was billed. In XXXX, my account was depleted and I got an ACH non-sufficient funds fee and they turned around and charged me {$25.00} for a return check fee. That's a lot of money for USAA to get from someone who didn't want their insurance and they couldn't help, because their system was down. I was also assessed 2X {$29.00} ACH fees on my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) 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.
Product: Checking or savings account

Bank of America frozen my account my funds werent available to me in the pandemic when I was on unemployment causing me to lose my vehicle threw repo. getting behind on bills. And rent. This is very stressful emotionally and financially unable to get a hold of anybody about money owed to me, and being sent in circles to fix and problems. I loss a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 a dispute was sent to Trans union in relating to accounts that were on my credit report that did not belong long to me. These accounts were fraudulent. I submitted a FTC fraud report, police report, attached to a letter to TransUnion, as well as XXXX, and XXXX. XXXX and XXXX removed the fruadulent accounts but not TransUnion. On XX/XX/XXXX, I sent a 2nd letter to TransUnion stating that XXXX & XXXX removed the information. How is TransUnion verifying this information if all 3 bureaus get the information from the same source? I reattached the police report and FTC fraud report. On XXXX, XXXX XXXX  I received a letter from TransUnion stating they will reinvestigate. As of XX/XX/XXXX the information disputed has not been properly verified by TransUnion.