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

Have tried numerous times to get credit reporting corrected with all 3 credit reporting companies no no avail from XXXX XXXX XXXX XXXX. 

Continuously reporting erroneous information and refusing to submit corrected information to credit bureaus. 

Due to problems with accurately reporting information that they created due to negligence on their part, selling off our loan in the middle of a government modification program and not reporting that and clearing our account and correctly reporting this. 

Requested by certified letter dated XX/XX/2019 and received by signed return receipt dated XX/XX/2019 for the following that we have NEVER received : 1 ) copy of original deed of trust 2 ) Original signed promissory note 3 ) all transferred documents from XXXX  XXXX XXXX that was sold XX/XX/2019. 

This company refuses to provide requested information and simply sends a form letter to keep the information on our credit report without providing proof of the investigation that was made. We have been told that we must hire legal council to supeona our records to view what XXXX XXXX XXXX sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with credit bureaus in regards to incorrect items on my credit report. It has been over 30 days since my dispute and I have not received any feedback or results.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX FCRA Violation : auto loan not mine XXXX XXXX {$33000.00} FCRA Violation XXXX collection not mine XXXX XXXX XXXX  {$550.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Harley Davidson Financial Services Frequently violate the XXXX rules attempted to contact me 5 times or more in a single day on multiple occasions within a week period. Told them to stop calling me so much only to receive a call an hour later
Product: Credit reporting, credit repair services, or other personal consumer reports

Violated my federally protected rights 15 U.S. Code 1681b - no written permission, consent no permissible purpose 15 U.S. Code 1681 that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Acct was remove not belonging to me
Product: Money transfer, virtual currency, or money service

I open an account on the Gemini XXXX XXXX. I funded that account by linking it to my XXXX XXXX XXXX XXXX account in XX/XX/XXXX. That account value stands between $ XXXX and $ XXXX depending on the market. I tried to move my Bitcoin funds off of the Gemini Exchange onto my TXXXX XXXX XXXX as Ive done on other exchange platforms. I was met with a message saying security hold has been placed on my account. I also could not move my cash that was sitting on the sidelines back to my XXXX account for the same reason. I reached out to Gemini on XX/XX/XXXX and received a claim number ( XXXX ) on the same day stating theyre working on it. XX/XX/XXXX they asked for a selfie photo with me holding my XXXX  ID and a handwritten note containing my claim number and the date. I followed directions. Ive done this twice now. Ive even opened another claim. Im getting nothing from them. I fear my funds have been captured and they arent releasing them. Its going on XXXX weeks and Im very frustrated. I need help recovering my funds. I have not had this experience on the other platforms I conduct business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all three bureaus about inquiries that were not known to me. Equifax suggested that I file with the FTC and send them a copy.
Product: Student loan

I have been paying XXXX for two years on a student loan debt that is owned by Navient. XXXX has been miscalculating my payments and not applying my payments correctly to the alleged balance which is a flagrant violation of the Fair Debt Collections Practices Act. XXXX has been adding interest to the balance which is also a violation of the Fair Debt Collections Practices Act. 

I would be willing to settle the student loan debt for {$5000.00}. Navient had offered a settlement agreement of about {$10000.00} more than 6 months ago. I have been making monthly payments throughout this time to XXXX, including after Navient offered that settlement agreement. I would be willing to settle the debt for {$5000.00} as I have already paid Navient XXXX of dollars over the past two years. 
During the past 4 years I have filed multiple written complaints and have copies of, against Navient and their debt collectors for flagrant violations of the Fair Debt Collections Practices Act. 

I would be willing to settle the debt for {$5000.00}. I have been making payments to XXXX for two years each month even while experiencing tremendous financial difficulties. I would need the settlement confirmation in writing from Navient. In addition, before FAMS I also paid another debt collector that Navient had hired to collect on the debt, XXXX of dollars. The only reason Navient switched from the old debt collector to XXXX was because the old debt collector flagrantly violated the Fair Debt Collections Practices Act, which is something that FAMS has also done. I would be willing to settle the debt for {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from Transunion. The credit report showed a credit inquiries that I did not authorize. I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

I ask that they please remove this inquires listed below : XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX I ask that TransUnion please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately. 

If you ignored this letter and do not delete the inquiry or do not provide strict proof of authorization I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Along with a litigation matter in my state court.

Finally, under Sec. 609 Discloser to consumer ( 15U. S. C 1681g ) ( A ) Information file ; source : report recipients : every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) ( 16811h ), clearly and accurately disclose to the consumer.

( 1 ) All information in the consumers file at the time of the request except that ( A ) If the consumer to whom the file relates request that the first 5 digits of the social security number ( or similar identification ) of the consumer not be included in the discloser and the consumer reporting agency has receive appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such discloser, and ( B ) Nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit score or any risk scores or predictors relating to the consumer.

( 2 ) The source of the information : except that the source of information acquired solely for use in preparing an investigation consumer report and actually use for no other purpose need not be disclose. Provide, that in the event an action is brought under this title, such shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

Thanking you in advance, _________________________________
Product: Checking or savings account

I am submitting a formal complaint against Capital One regarding deceptive and misleading practices concerning its 360 Savings Account, marketed as a " high-yield interest '' savings account. Capital One misrepresented the account by advertising it as offering one of the nations highest interest rates while failing to disclose the existence of the 360 Performance Savings Account, which provided a superior interest rate. The omission of material information and lack of transparency constitute unfair and deceptive acts and practices in violation of the Consumer Financial Protection Act ( CFPA ) and the Truth in Savings Act ( TISA ).

Capital Ones failure to notify account holders of more favorable alternatives within its own product offerings resulted in financial harm and a breach of its duty of good faith and fair dealing. I seek appropriate remedies, including redress for the financial losses incurred due to these misleading practices and Capital Ones failure to uphold its advertised commitments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to strongly and formally express my absolute dissatisfaction with the violation of my consumer rights as outlined in 15 U.S. Code 1681 ( a ) ( 4 ) and other related sections. XXXX, XXXX, and Transunion have unlawfully and incorrectly reported the following accounts without my expressed authorization : XXXX * ( XXXX ) Account Name : US DEPT OF ED/XXXX Account Number : # XXXX XXXX * ( 4 ) Account Name : US DEPARTMENT OF ED Account Number : # XXXX TRANSUNION * ( 4 ) Account Name : US DEPT ED Account Number : # XXXX * ( XXXX ) = ( XXXX accounts each bureau ) This serious breach of 15 U.S. Code 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may not furnish an account without my explicit consent, and 15 U.S. Code 1681c ( a ) ( 5 ), which explicitly prohibits any consumer reporting agency from disseminating any consumer report containing any adverse item of information other than records of convictions of crimes which antedate the report by more than seven years, is completely unacceptable. Furthermore, they have violated 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) and 1681s2 ( a ) ( 1 ) ( B ), which both dictate that a person may not provide information concerning a consumer to any consumer reporting agency if they are aware or have reasonable cause to suspect that the information is inaccurate, or have been notified by the consumer that specific information is inaccurate and it is, in fact, inaccurate. Consequently, my credit report is now adversely affected by these accounts, which I have asked for proof and verification of multiple times, yet to no avail. I am confident that these accounts can not be authenticated, as I did not attend any school in 2019. I adamantly demand that the bureaus take immediate action to delete these accounts from my credit report. As a consumer, I am entitled to a fair resolution of this matter, and the only way to accomplish this is to remove these accounts from my credit report. I sincerely thank you for your prompt and decisive attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Mortgage

I am trying to sell my home. I am in escrow. My loan was sold to Select Portfolio Servicing. SPS has such poor systems that they could not answer any questions about the loan for 2 weeks. Then they are unable to generate a payoff quote for another week. The SPS call center was completely unable to help and could not provide any info. Banks should not be allowed to offload the cost of their poor systems onto consumers.
Product: Debt collection

On XXXX, XX/XX/2024, Hunter Warfield sent me, an attorney, a residential collection letter. First, the balance wasn't correct, and second the amount was paid off almost a year ago. Due to tactics the company has had in the past, it would not surprise me if this was a completely fraudulent attempt to try to collect money. They're not in compliance with federal or New York state laws by pursuing this previously paid income. As an attorney, I will pursue all possible remedies if Hunter Warfield attempts to collect this money any further, including if this is included on my credit report at any point in time. This includes raising the case with the New York attorney general
Product: Credit reporting or other personal consumer reports

Remove back off account, was removed now its back on my account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, XXXX, and experian ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of a data breach, and I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed without delay.

Fraudulent Accounts to Be Blocked and Deleted 1. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00} 2. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$880.00} 3. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} 4. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6700.00} 5. XXXX  XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} 6. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3900.00} 7. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3900.00} 8. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8300.00} 9. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries to Be Blocked and Deleted 1. 1 XXXX XXXX  ( XX/XX/XXXX ) 2. XXXX XXXX XXXX  ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX ( XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX ) 7. XXXX  XXXX XXXX  ( XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) 10. XXXX ( XX/XX/XXXX ) 11. XXXX ( XX/XX/XXXX ) 12. XXXX XXXX XXXX ( XX/XX/XXXX ) 13. XXXX XXXX XXXX ( XX/XX/XXXX ) 14. XXXX ( XX/XX/XXXX ) 15. XXXX ( XX/XX/XXXX ) 16. XXXX XXXX  ( XX/XX/XXXX ) 17. XXXX XXXX  ( XX/XX/XXXX ) 18. XXXX XXXX ( XX/XX/XXXX ) 19. XXXX XXXX XXXX ( XX/XX/XXXX ) 20. XXXX XXXX XXXX ( XX/XX/XXXX ) 21. XXXX XXXX ( XX/XX/XXXX ) 22. XXXX XXXX  ( XX/XX/XXXX ) 23. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 24. XXXX XXXX ( XX/XX/XXXX ) 25. XXXX XXXX ( XX/XX/XXXX ) 26. XXXX XXXX ( XX/XX/XXXX ) 27. XXXX XXXX ( XX/XX/XXXX ) 28. XXXX XXXX ( XX/XX/XXXX ) 29. XXXX XXXX ( XX/XX/XXXX ) 30. XXXX ( XX/XX/XXXX ) 31. XXXX XXXX XXXX ( XX/XX/XXXX ) 32. XXXX XXXX XXXX ( XX/XX/XXXX ) 33. XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) 34. XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 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 of 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

I have contacted Equifax so many times to have these accounts removed from my credit reports. I have filed a police report & Identity Theft report to prove that these are not mine. The Dept of Ed/XXXX accounts listed on my credit report do not belong to me in the amounts of {$5000.00}, {$4300.00}, {$3100.00}, {$6700.00}. These are also inquires that I have not applied for or authorized to have anyone access to my credit report XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit card

On XX/XX/24, a hard inquiry notice came to my personal email. I read this notice and there was a hard inquiry done from capital one to open a venture x credit card. This credit card used my personal information to be opened which I never applied for this or had any knowledge about. I called capital one as soon as I received this email and was on the phone with them. Capital one then let me know they would start an investigation to figure out this fraud. After that, they told me some resources I could use in the meantime I wait for the decision of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Product: Debt collection

On XX/XX/XXXX, I received a letter from U.S. Bank, retail collections division. They implied they are filing a forgiven Debt XXXX form with the IRS for about 25,000 dollars that was discharged in bankruptcy, Case No. XXXX in the XXXX District of Illinois in XXXX. See Exhibit A. They are about to report a debt discharged more than two years ago in bankruptcy ( See Exhibits B, C, and D ) of which they had actual knowledge, to the IRS as money still owed to them, forgiven debt so I am required to pay taxes on it. 

They are hoping I do not know my rights under federal law for the Discharge Injunction which is still in effect since XX/XX/XXXX. They want me to call them and say " Hey, if I agree to a payment plan of XXXX a month, will you not report this on my credit or to the IRS? '' Of course, I anticipate they will defend themselves and say that they are new employees and didn't know about the bankruptcy, but they also " reported '' this " forgiven '' debt to the IRS in XXXX after I was discharged that year. This is a pattern of harassment. See letter from my previous attorney to them declining to provide documentation for their report to the IRS in XXXX of my " forgiven '' debt. 

They were notified of the bankruptcy when it was filed and listed in Schedule F of my Petition, and also notified of the Discharge on XX/XX/XXXX ( See Exhibits B, C, and D ). 

If the CFPB decides not to proceed, I can pay the fee to reopen my bankruptcy case, XXXX and seek formal sanctions in bankruptcy Court for U.S. Bank 's willful and knowing violation of the discharge injunction seeking to collect the debt that was discharged in Case No. XXXX, but I am offering them one last chance to leave me alone before I have to take this step.