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

I talked to customer service at experience it went over everything that was on my credit report I also stated that I have a membership with them and I am supposed to be protected from all of this that was going on because that was in the membership all information will be protected and if they didn't stand by they commitment that I will be compensated but when I talk to the XXXX department nothing was admitted that was in their membership and I was saying they can do is file a identity theft and monitor I was told that I will receive alerts if anything is not accurate I was not notified my information was not protected it was spread it across the dark web social security number date of birth telephone number and my ID number someone even access my account and tried to change my name it was another social security number that wasn't mine I count that I never applied for but all was told to me today is that they would do an investigation
Product: Credit reporting or other personal consumer reports

15 USC 1662 ( b ) violations from every reporting agencys after numerous cpmplaints still not corrected report is not fair or equitable and as a result i have been denied credit time and time again. I want complience and actions taken and fines imposed as per UCC is public law 72-10 not apply how about HJR 192, UCC 3-603 , I demand validation of all debts and XXXX, TRANSUNION, XXXX, XXXXXXXX XXXX and XXXX XXXX need corrected immidiatly its my XXXX given right to get access to unlinited credit but due to incorrect info and no oversight or action or any help just keep me from accesing credit.
Product: Credit reporting or other personal consumer reports

Item 8 : - Account Name : XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 9 : - Account Name : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 

Item 10 : - Account Name : TD BANK N.A. 
- Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

In around XX/XX/XXXX or XX/XX/XXXX I was XXXX years old and living with my parents and I was forced to sign a lease contract in which under California law that 's a violation. 
XXXX XXXX XXXX XXXX had me sign the lease contract online by force and if I would n't sign the lease I would n't be allowed to live with my parents. 
My parents did n't know and I told them, but we need it apartment and we did n't say much or else we would n't have a place to live. 
I have filed many complaints against XXXX XXXX XXXX and collection company Fair Collections and Outsourcing XXXX XXXX XXXX, XXXX XXXX XXXX, MD.XXXX.XXXX. 
My credit scores and credit is destroyed because of XXXX  XXXX XXXX, Collections and Attorneys forcing me to pay {$3700.00}. 
My Dad XXXX XXXX XXXX XXXX XXXX Military Veteran and XXXX and XXXX file a Federal Bankruptcy Chapter XXXX in XXXX, Texas and debt of {$3700.00} that was his was included in the bankruptcy.Federal Judge discharged Bankruptcy on XX/XX/XXXX, Filed case # XXXX My mom XXXX XXXX and my sister XXXX XXXX should n't be liable for debt as my dad was the wage earner and primary leasr on XXXX XXXX XXXX  Contract. 
I am been Retaliated and Discriminated because I am XXXX and also my mom and sister. 
All our credit is been destroyed because of the Retaliations against us as XXXX. 
XXXX, XXXX and XXXX has collections of debt of {$3700.00}. 
Me and my sister was high school students back around XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX. 
My mom had a low wage job. My Dad was employed by XXXX XXXX XXXX in California where he had high XXXX My dad had to retired from XXXX XXXX XXXX with a XXXX XXXX on XX/XX/XXXX. 
I can not succeed in life without excellent credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters and complaints I sent to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit report has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus are must comply with the FCRA section 605b which states that the Credit Reporting Agencies must block and remove any Account and information that the consumer identified as a result of identity theft. The following personal information : 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 : accounts : XXXX XXXX XXXX XXXX XXXX Balance {$5700.00} ; XXXX XXXX XXXX Balance {$260.00} ; and inquiries : XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX ; are not affiliated with me nor I receive anything as result of Identity Theft. I reported the Theft of my Identity to the FTC and have attached copies of the FTC 's Identity Theft report.
Product: Credit reporting or other personal consumer reports

I was alerted by my credit card with XXXX XXXX  that my credit score dropped XXXX XXXX. When I checked to see why, I noticed that XXXX different banks conducted credit checks on me, none of which I requested. They were all conducted on XX/XX/XXXX. I tried to contact XXXX XXXXXXXX XXXX several times and was told by an automated recording that " due to extenuating circumstances we are unable to help you right now. '' I spoke to someone at XXXX  XXXX and they were unable to help me because I don't have an account with them ( that is part of the problem, why are they running a credit check on me if I don't have an account with them ). At that point I stopped trying to call banks because none of them would help me. I froze my credit on all three credit bureaus and asked for a fraud alert to be put on my account for a year. I need these fraudulent inquiries removed from my report so my credit score can go back up. I used to have excellent credit. 

To summarize, on XX/XX/XXXX, the following banks conducted unauthorized credit checks that were not requested by me : 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 They all have a removal date of XX/XX/XXXX. 

Lastly, my personal information was compromised in a data breach from my employer this past spring. Yesterday I received a letter from XXXX XXXX  ( a company with which I have a credit card ) stating that they declined an application from me because they are concerned that someone is using my information fraudulently.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep frustration and concern regarding the delayed opening of an account that I previously disputed. My name is XXXX XXXX, and I have always valued the importance of maintaining transparent and responsible financial practices. 

Several weeks ago, I initiated a dispute regarding the opening of an account with your institution. I believed that the account was wrongly delayed and needed resolution. Regrettably, the matter remains unresolved, and the account has not yet been opened. I would like to outline the issues I have encountered : Dispute Initiation : I formally initiated a dispute regarding the opening of this account. I provided all required documentation and information to support my dispute, explaining the reasons behind my concerns. Despite my efforts to address this issue through the dispute process, there has been no substantive response or resolution from your institution. The account remains unopened, and I have not received any updates or communication regarding the status of my dispute.The ongoing delay in opening this account has caused me significant inconvenience. I had planned to use this account for specific financial transactions and commitments, and the unresolved dispute has disrupted my financial planning. 

I understand that unforeseen circumstances may sometimes lead to delays in banking processes. However, it is my expectation that disputes are resolved promptly and with transparency. As a valued customer, I believe it is essential for your institution to address and resolve this issue without further delay. 

I kindly request that you take immediate action to investigate and resolve the dispute regarding the opening of this account. Specifically, I request the following : Conduct a thorough review of the dispute initiated to understand the reasons behind my concerns. 

Provide a timely and substantive response to my dispute, including a resolution plan and a clear timeline for opening the account. 

Communicate with me promptly to keep me informed of the progress and resolution of the dispute. This late open account should be corrected right away : XXXX  XXXX XXXX Balance : {$280.00}.
Product: Credit reporting or other personal consumer reports

CFPB I want to submit complaint for the improper use of my important information that was obtained by or several people who used my identity for their own gain that has caused a lot of damage to my credit score and to my own personal financial security. I know 100 % my credit was used improperly and without my consent. My information was linked and use for other people purposes. I need for this information to be handled right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting late as reported in my Experian and XXXX Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX Opened : XX/XX/2012 XXXX XXXX : {$0.00}
Product: Checking or savings account

Hi, Chase bank has failed to protect my identity and prevent fraud. They allowed a account to be open without my permission and failed to investigate it in a fast matter. I open a cclunt couple weeks ago and they close it 3 days later and refuse to tell me why and found out it was from a account i never open and took me 4 days to file a identity theft claim and failed to take my concerns seriously and refuse to reach out and lie about opening a new account only for it to close and keep saying it can take months before finding a resolution and finding more accounts open in my name I never open. Keep lying and changing their answers everything I call. Complaints and messages are missing from different people in the back office. I feel this company is fraud. They allowed employees to keep missing work and never focus on my case. I feel the company doesn't care and the executive office is failing to do their jobs and lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 Sates I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has recently come to my attention that your company has placed an inquiry on my credit report. I would like to exercise my right under section 809 of the 1972 FCRA. It is my right to request that YOU send me proof that I authorized your company to check my credit on XX/XX/XXXX. Please provide me a copy of a signed credit application and documents showing I specifically gave your company the authorization to review my credit. 
If you can not provide me the requested proof within 10 days I request that you immediately DELETE this item from my credit report. Please note any templates, or off subject information letters will be taken as an avoidance tactic by your company. 
Please attach a document on your company letterhead stating your findings and result of deletion of this inquiry along with Confirmation Deletion Request Number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave you written consent to report anything on my credit report. I have tried to resolve this issue several times.
Product: Credit reporting

XXXX is a debt purchasing company that is reporting XXXX bank as a charge off collection account in erroneous and fraudulent way. This is clearly a XXXX bank that is well exceeded the stature  of limitations since last pmt/activity dates back to XX/XX/XXXX2009. According to the FCRA this needs to be deleted immediately from my credit portfolio
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Against coastal profession INC ( claiming to represent the IRS ) From my sister a family member and also this is my first time learning of any debt owed to IRS!? Text from my sister that I have saved and also in recorded line from IRS Private Debt Collector calling my sister and goving personal information and stating I have debt owed to the IRS which is a direct violation u the The FDCPA as well as a direct CFOB consumer protection law violation of two accounts or more. 1st being failed to disclose in written form of the notification that 1. I even owe a debt to IRS via mailing and who the represent. So the failed to notify me in writing first even awarding me of any debt owed who the represent what for and who they are in written for. Mailed to me was never done. Violation on page 5. Of The FDCPA violation. Then instead of or in disregarding the first violation and myself never getting a call they called my sister a direct Family member without my consent to then elaborate and hence the way I first found out of the debt is by text from my sister stating that I just got a call from Coastal professional, Inc. they claim they are representing the irs I have no clue or knowledge of this. Also stated I owed a negative debt to ORS and was probing for information about me, also wanted to talk with you. I gave them your number. They then said they were a private third party collection agentxy fort the irs and that I owed a large amount and needed to pay!? After the doscriptive information they probided me about the so called debt Im under the understanding its an IRS debt collection agency that you owe money to. This is second unlawful and illegal way under both the CFPB and FDCPA.due to This the debt should be cleared before taking legal action for their wrongful direct violation before having to take legal actions against as first time Hearing of this debt as well as two if not three to 4 direct consumer protection violations please address and have removed due to their direct violations. It was also a recorded call so can be played back proving.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked the XXXX  to verify account # XXXX filed XXXX XXXX and I checked they are still reporting inaccurate information.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a 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: Mortgage

in XX/XX/XXXX I took a loan out to by a home and in XXXX I fell behind on my payments I then reached out to find out how much I was behind and paid the amount in witch they had given me to bring my loan current in XX/XX/XXXX witch was about {$11000.00}. in XX/XX/XXXX i was notified that i had fallen behind again due to the figures that they had given me in XX/XX/XXXX were miss calculated and that it put me back three months behind then in XX/XX/XXXX i made a payment of {$2500.00} in witch was returned to me and I was told that they will not except any payments unless I made the full payment to catch up on my loan since then I fell to far behind to catch up. Since then i have tried modifications in witch i was denied several times I had even gotten help from a company called XXXX to help me through the modification process to make sure that I was handling everything correctly once submitted and I was waiting on a response the company switched servicers and I was told that I would have to start over so i went to look for other help in doing so I found out that there were several things that were wrong with my loan witch the banks involved know and now they have a sale date XX/XX/XXXX for my home when they have no standing to do so companies and or banks involved : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX AS TRUSTEE FOR SECURITIZED TRUST ALTERNITIVE LOAN XXXX XX/XX/XXXX, XX/XX/XXXX, MORTGAGE ELECTRONIC REGISTRA- TION, ( " MERS '' ) ALSO : XX/XX/XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX
Product: Student loan

I have submitted three complaints about XXXX XXXX XXXX, XXXX which issued a fraudulent Administrative Wage Garnishment to my place of employment. As a third-party debt collector, they do not have the authority to perform such an action. XX/XX/2016, after the matter remained unresolved, I called what I was told was XXXX. XXXX XXXX XXXX , XXXX claimed that it was operating on behalf of XX/XX/XXXX. After reaching agents in XXXX and requesting to be transferred to a site in the United States, it became clear that I was speaking with Navient, not XXXX. Navient claimed that it is operating on behalf of XXXX. Since Navient is not a guarantor, it similarly does n't have the right to issue an Administrative Wage Garnishment. I requested that Navient provide debt verification or validation. Navient has not done so. Navient is not the holder of a student loan account, and I have repeatedly informed Navient that I do not owe on student loans. The name provided for me is incorrect, and I have demonstrated what my legal name is. I feel that Navient is engaged in identity theft. Had I had student loans and had Navient fka XXXX served as the loan servicer, Navient would have needed to have provided me with payment stubs, the opportunity for IBR and PSLF, and some form of documentation. My only vocation has been a teacher ; therefore, there is no excuse for Navient 's claim that I have a defaulted loan. I have not signed any loan documents, and I did not receive any loan proceeds to attend college. It is not acceptable for Navient to represent itself as XXXX, and it is not acceptable for XXXX XXXX XXXX , XXXX to act on behalf of Navient, while claiming that it is acting on behalf of XXXX. I have filled out an FTC Identity Theft Report, and I want Navient held accountable for their illegal and fraudulent practices. People in this country are committing suicide and suffering from extreme poverty due to the actions of these hideous individuals destroying the financial and ethical fabric of America. The most recent fraud against me happened after erroneous information was listed in my credit report, and XXXX XXXX XXXX, XXXX accessed my information on XX/XX/2016. Although I am working with the Credit Bureaus to have this information corrected, action needs to be taken against Navient for its involvement in this matter.