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

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions these accounts listed below have violated my rights. 

Account name : XXXXDept of ED account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX. XXXX, XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

was supposed to check validation and a accuracy on this account. 
XXXX XXXX  over XXXX  year XXXX Experian Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Auto Loan Auto Loan Bureau Code : Maker Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$8200.00} {$8200.00} No. of Months ( terms ) : XXXX XXXXXXXX XXXX XXXX : {$11000.00} {$11000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$8200.00} {$8200.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX accuracy on account.
Product: Debt collection

On XX/XX/2021, I sent a debt validation letter via certified mail with return receipt to ARS Account resolution at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX requesting Debt validation. Tracking # XXXX shows it was received and signed for. Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and ARS Account Resolution has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company.
Product: Student loan

In 2009 when I graduated Navient encouraged forbearance and deferment of payment for the loans I have rather than income based repayment plans
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has two charge offs on my reports for accounts that were never authorized by me. I have disputed them as well as contacted the credit companies directly. I did not sign up for any credit cards nor did I use them. After reviewing the update report I also notice 9 inquires that I did not authorize. 

1. XXXX XXXX Unverified Account/ FRAUDULENT 2. XXXX XXXX ( XXXX XXXX ) Unverified Account/ FRAUDULENT UNAUTHORIZED INQUIRES 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX5. XXXX  XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX /XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

**Edfinancial Services** Customer Resolutions Unit **Subject : ** Formal Dispute Proof of Ownership and Authority Over my student loan. Dear Edfinancial Services, I am formally disputing your involvement in my student loan account I never borrowed a student loan from Edfinancial, nor have I ever entered into any agreement with your company. Despite this, you continue to report information about this account on my credit file. I demand that you provide me with clear and verifiable proof that you have legal authority over this account. Specifically, I am requesting the following : 1. **Proof of Ownership : ** Documentation that demonstrates Edfinancial is the rightful servicer or owner of this account. 2. **Legal Authority : ** A copy of any agreement, contract, or authorization that legally grants you the right to service this account. 3. **Account Records : ** Any records, statements, or transaction history proving your involvement with this account from its inception. If you fail to provide the requested documentation, your continued reporting and handling of this account will be a clear violation of federal law, including the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. I take this matter very seriously and will escalate my complaint to the highest level of authority, including the additional complaint With the Consumer Financial Protection Bureau ( CFPB ), the U.S. Department of Education, and any other relevant regulatory bodies. Please provide the requested documents within **15 days** of receiving this letter. If you fail to comply, I will take further legal and regulatory action against your company. Sincerely, XXXX XXXX XXXX Social Security XXXX
Product: Student loan

My loans are now discharged under Sweet v Cardona settlement but I want to give in writing some of the issues I had with Navient through the 18 years they serviced my loans. First of all they never notified me to annually recertify my enrollment on XXXX, also after years of been on XXXX they advised me to apply for forbearance but never told me that by apply to forbearance I was going to be kicked out of XXXX and I had to start over. I have couple of student loans with different monthly payments, when i made the payments I meant to cover all loans but Navient misallocated the payments, I paid XXXX to Navient. The list of misleadings from Navient are a lot, I will need couple of pages but I am just writing the most significants, all the issues I had with them means 18 years of my life making payments to Navient to receive a really bad service and lack of consideration to the bo
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

They called my wife from a new number, she answered, let them know we get bonuses at the end of the year and can pay then. He ( XXXX XXXX stated that it's being marked as a refusal to pay and that we could fill out a hardship form to avoid this. She stated she'll call them later in the year when we can pay and hung up. 

Following this conversation, her cell was then called 4 times, my cell 3 times including once where I confirmed it was Genesis and asked they stop calling, text both cell phones, then called my work line - this all occurred starting with the first conversation at XXXX and ending with my " conversation '' with XXXX on my work line at XXXX. I was certainly frustrated with their tactics by this point and told him, roughly, in no uncertain terms, that he could do what he needs to do, but don't call again today, we can pay at the end of the year. 

The calls finally stopped after this last conversation. I was left so stressed by the event that I felt the need to take action, potentially even with a lawyer in the near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I noticed unauthorized accounts on my credit report and I contacted ; 1. Federal Trade Commission ( report ID Theft ) XX/XX/XXXX 2. XXXX County Sheriff 's Dept ( to file a police report ) XX/XX/XXXX 3. Each creditor in question ( XXXX XXXX XXXX, XXXX XXXX XXXX. & XXXX XXXX ) XX/XX/XXXX 4. 3 Reporting Credit Bureau 's ( XXXX, XXXX & XXXX XXXX ) XX/XX/XXXX The creditor 's & bureau 's refuse to block these accounts and continue to allow these accounts to effect my credit negatively. I have still not received a response fron the Bureau 's nor the Creditor 's.
Product: Credit reporting or other personal consumer reports

As a XXXX XXXX  veteran, I served time overseas and during those years, my identity was stolen. As a result, fraudulent accounts were opened, defaulted, and posted to my credit reports ( to include EXPERIAN, XXXX, and XXXX XXXX ). During the months of XXXX and XXXX, I sought legal counsel to assist the removal of incorrect information on my credit reports. 

Some of these accounts include XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and many other negative items. 

During the months of XXXX and XXXX, letters were sent out to all of these bureaus which required them to remove all negative items, accounts, late reporting, charge-offs, and inquiries. Unfortunately, the accounts and negative items are still reporting on my credit files. Whenever I call to, the representatives refuse to be helpful and they respond with continuous resistance in a very disrespectful manner. 

Every negative item should be removed from my report as the accounts and items do not belong to me.
Product: Credit reporting or other personal consumer reports

I have previously submitted a notarized letter to Experian, disputing several addresses listed on my credit report. Despite providing notarized documentation, these addresses have not been removed. One address is associated with identity theft, and the others I do not recognize. This is a direct violation of the Fair Credit Reporting Act, specifically Section 605B, which necessitates action within four days for identity theft-related inaccuracies. The agency 's failure to act is causing significant financial harm and may lead to further instances of fraud.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I had transferred {$100.00} to me uncle in XXXX by the name of XXXX XXXX via WorldRemit.My uncle did not receive the money and I had requested WorldRemit to refund my money and cancel the transfer. This was not done. My uncle 's account number that I had transferred the money to is XXXX with XXXX XXXX  in XXXX.
Product: Credit card

Card is a Citibank card ( Specifically XXXX XXXX branded ). They are charging an XXXX of 28.24 %, and I have called them twice and spoke with a supervisor twice requesting a lower XXXX. I don't have a history of late payments or no payments, and a FICO score rated good ( above XXXX ). 

Twice the supervisors have stated that they changed it up because it's their prerogative. Neither time there was another explanation other than it's because they can. 

This is in no way a complaint about the people I spoke to, on both occasions they were very cordial and professional. But they could not explain the rate increase, or do anything about. 

I am attempting to pay off the balance, but at this point Citi is making very difficult to do so. This sounds predatory to me. 

For reference, right now I have a Credit Card with XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX at around 18.24 %
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SIXTH WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your fifth re-investigation, you stated in writing that you verified that these items are being report correctly. 
Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these account? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 
XXXX XXXX XXXX XXXX XXXX  as, XXXX defines Verify as 1 ) To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. and verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure is to assure good faith in averments or statements of a party. 
What this means is that your company must be willing and able to produce a document in your files that proves the account ( XXXX ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( XXXX ) and all that has ever transpired for the alleged account ( XXXX ), under oath and under the penalty of perjury. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 
You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Proof of Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11 As a result, I have been gravely affected and my score is suffering as a result. No written notice was ever given to me that Transunion was going to reinsert info onto my credit report without my knowledge, which is also a violation and I am requesting that all inquiries be removed.
Product: Student loan

Mohela switched to a new servcing platform. I am on auto pay. Payments come out the XXXX of every month. 

This has been on going since XXXX. They take my money every month. 

At first they hadn't applied the payments. When they finally applied XXXX XXXX and XXXX, they weren't applied how allocated. They only went on XXXX of the XXXX loans. They had to remove them and reapply. 

They haven't reapplied them. I'm getting threatening emails about delinquency and defaulting on my loans despite paying every month. Come XXXX I will have over XXXX taken from my bank account but not reflected on my loans at all. 

I'm tired of the threats when I've done nothing wrong. I've been paying all along.
Product: Debt collection

XXXX in XXXX, NC has refused to remove a derogatory account on my credit report. I lived there from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX. I left there with a zero balance. I have called numerous times to have them fix the account, and they will tell me it will be taken care of, and it is still on my credit report.
Product: Payday loan, title loan, or personal loan

I am being threatened over a XXXX dollar payday loan which I had no idea if the bank had covered it I didnt check the bank because I never received any calls about the check not clearing. I was struggling at the time and honestly as time passed forgot about the loan. Approximately 6 year later I get a call from a pre trial service saying I commented fraud by closing my account which is not true. The bank closed my account because I could not get it out of the negative. Lady threatening me is not professional and when I asked for address she kept asking me for case number which she already had because she called me by my name. When I confronted her she hung on me and I never got the address because she refused to give it to me. Last week when I talked to her she told me I had a court date for XX/XX/XXXX which was following day but since I had not received the papers it would be rescheduled. Today when I told her I called my local court house and they had nothing to serve me she said its because it hadnt been filed which was a lie obviously. The company was check n go where I got the loan but this is the number I was called from XXXX. They even told my job I committed fraud which isnt true but not professional or very confidential
Product: Credit reporting or other personal consumer reports

Since XXXX I have been dealing with XXXX XXXX XXXX, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I remain XXXX XXXX  and during my XXXX, fraudulent accounts were opened in my name. Due to my XXXX I was unaware of these activities until my condition improved, at which point I began submitting disputes with both the creditors and credit bureaus. The creditors have investigated and confirmed the accounts were fraudulent, issuing deletion letters. Several creditors also confirmed that the transaction records are no longer available due to the age of the accounts and transfers to multiple parties. In other cases, creditors deleted the accounts without requiring further investigation based on the strength of the evidence. 

However, Experian continues to report these fraudulent accounts. Despite having provided the FTC Identity Theft Report, proof of identity, and creditor deletion letters multiple times, Experian refuses to delete these accounts, citing that I may have benefited from the transactions a baseless claim, especially since no transaction records have been provided to me, nor do the original creditors possess them. I have requested these transaction records from both Experian and the creditors for over a year to no avail. 

Experian 's implication that I benefited from these transactions, without providing any proof, is deeply harmful and unsupported by any evidence. Their failure to produce the transaction records or provide a detailed investigation contradicts their obligations under the Fair Credit Reporting Act ( FCRA ). Furthermore, I understand that credit reporting bureaus do not generally maintain transaction records ; however, since Experian is referring to these transactions, I suspect they may have more access to this data than they are disclosing. 

Additionally, I am not interested in providing more evidence as I have already submitted more than is legally required. Every prior complaint includes the FTC Identity Theft Report, hospice certification, and the creditor deletion letters. I am also documenting all communication for a future lawsuit, as my health currently prevents me from pursuing litigation. The stress from these ongoing false accusations has XXXX my condition, resulting in multiple XXXX XXXX XXXX XXXX XXXX, which I have documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account on my credit report remove this Fraudulent account from my credit report XXXX XXXX XXXX account # XXXX fraudulent inquiries flagship inqury date XX/XX/2020 Fraudulent inquiries XXXX XXXX date XX/XX/2020 and XX/XX/2020 And also correct my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX I've been living at this address for over 2 years
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2025 The Robinhood account alone, the hackers sold {$16000.00} worth of stocks and then STOLE the money. I have transaction histories for each account involved if needed.
Product: Credit card or prepaid card

Several months ago, I bought a  XXXX   XXXX  in  XXXX  and activated its prepaid feature. The fee schedule (   XXXX   XXXX   XXXX   ) states that there is a monthly fee ONLY if no money is loaded to the card in an 18 month period. I have been loading money and using my card but was still assessed the {$2.00} fee in each of the past 3 months. I have called customer service 5 times about this, and they did not fix the issue. They also gave me incorrect information about what the fees on my account are and refused to transfer me to a supervisor.