23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/22 a certified notice was sent to BARCLAYS in reference of a billing error. BARCLAYS failed to clarify the billing error, but instead used XXXX identity theft with extortionate means for the collection of an extension of credit. Please see attachment.
Product: Credit card or prepaid card

I paid what I was told was the payoff. Only to be bill again. 
I paid off 2 accounts at the same place on the same day. One shows on my credit zero balance but the other doesn't. 
On this same day I paid off many cards a still some will not zero out on my credit. I have gone through the process of fixing it and still no update. 
I also have hard inquiry from XXXX a company that only read one page of a 2 page application where my income was on the second page. They also will not get the information and correct their error or remove the hard inquiry. I have an excellent score this is not to better it. It is not fare what they are doing. Fare Credit Act not here.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureaus AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Checking or savings account

Citibank allowed 2 purchases when we did. Or have enough money in a basic checking account. Then the fee came in and they run program s to prove they are right when they are incorrect. It helps them not return the fee
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of reciept of this report. Failure to do so is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report through both XXXX XXXX and XXXX XXXX XXXX that a new hard inquiry had been reported on both my Transunion and XXXX credit reports. 

Both accounts show a hard inquiry from XXXX XXXX on XX/XX/2022 located at XXXX XXXX XXXX, XXXX, VA XXXX, Phone Number ( XXXX ) XXXX. 

I did not submit an application for credit with XXXX XXXX. XXXX XXXX was unable to verify any credit application using my social security number or cell phone number. XXXX XXXX refused to attempt to find an application using other personal data ( name, birth date, address ) that might have been compromised. 

My Transunion report reflects that : Within the past 90 days, companies that requested your report provided the following information. 

Name XXXX XXXX Requested On XX/XX/2022 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX This is presumably the information that was provided to XXXX XXXX in connection with the credit inquiry. However, the address does not match any of my record addresses, which should have alerted Transunion to the likely fraudulent nature of the inquiry. Transunion apparently nonetheless responded to the inquiry from XXXX XXXX. Transunion has refused to delete the inquiry from my account without a Letter of Deletion from XXXX XXXX, which has disclaimed any knowledge of the inquiry and refuses to further investigate or a police report. 

XXXX allow me to submit an online dispute regarding the inquiry but summarily dismissed the dispute with a statement that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' They similarly indicated that my only options were to pursue it with XXXX XXXX or obtain a fraud report. 

I also received a call purportedly from XXXX XXXX 's fraud department directing me to call in reference to a recent application ( XXXX ). This does not appear to be a legitimate call from XXXX XXXX, as this number is not referenced on any XXXX XXXX site.
Product: Credit card or prepaid card

on XX/XX/2022, i attempted to place an order with jcpenney online, an ad stated to apply without hard inquiry you can prequalify, without my consent it followed thru with the application to apply by supplying a link which i did not get to in time, i was denied credit without applying fully, my score over XXXX so i don't think i would have been denied, i only wanted to prequalify, get that result and then decide whether to apply for the credit card, i placed the order anyway using another credit card, i would like this hard inquiry removed from all three credit bureaus as i see that a hard inquiry was made by XXXX today
Product: Vehicle loan or lease

Urgent Request for Resolution of Car Purchase Issues To whom it may concern, I am writing to bring to your attention a series of issues I have encountered since purchasing a car from XXXX XXXXthe dealership / US Auto Credit The bank on XX/XX/2022, at XXXX XXXX. Two days after the purchase, the car broke down, and despite assurances from the dealership about addressing the issue, I have faced continuous challenges. 

I have diligently attempted to communicate with XXXX XXXX, both through messages and calls, over the past year regarding the status of my car and the necessary repairs. Despite my consistent efforts, I have experienced a lack of responsiveness, leaving me without updates on my car 's condition. After Promised to fix the car. 

Despite my ongoing up to date monthly payments, my car has been unusable for over a year. This situation is particularly distressing as I rely on my vehicle for work, bringing my kids to school especially during events such as New York XXXX XXXX, where transportation is crucial. 

Upon returning from New York XXXX XXXX she gave me a car to use since my car was still not in use on XX/XX/XXXX, XXXX XXXX, That car broke down again, putting me and an influencer in a distressing situation. The XXXX XXXX response, notably from XXXX, was unexpectedly dismissive, leaving us stranded and disregarding our safety concerns. 

Following these events, I discovered that my car was not registered for almost three months, and upon its return, it exhibited further mechanical issues, breaking down once more at my house. 

In light of these ongoing challenges and the apparent violations of the Truth in Lending Act, I must exercise my right of rescission. Which I never received. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

From XX/XX/2022 to XX/XX/2022 I get repeated calls over an alleged debt that regarding a vehicle a purchase with someone. 
The people who are claiming the debt is owed can not provide me with any verifiable evidence such as the bookkeeping showing the date they loan me the money or credit or where they received the funds from to loan me the money or credit. They also refuse to send me a validation letter signed under penalty of perjury so that I could have thier full name to file a criminal complaint against them for trying to extort me. 
I have sent the CEO of Bridgecrest documents to address this matter but the CEO failed to respond. 
They call me EVERYDAY, almost. Sometimes, twice a day while I'm at work, even after I sent them a letter to CEASE and DESIST from calling me.
Product: Mortgage

a year ago, I applied for a mortgage and everything went smooth, but we decided to wait a year then this year we tried again, and the lender says he cant pull my Equifax. I called my Equifax and they say I must not have used credit or am not a XXXX XXXX  but Ive had an auto loan and two credit cards for four years, I asked what to do after that and they told me to write a cover letter, explaining the issue with my information and I sent that in and its been over a month no reply. Ive talk to my auto loan Lender and they confirmed they have been reporting to Equifax and the other credit bureaus with the right information, Ive called over 20 times just to get the same response that Im not a XXXX  or dont use credit. When I pull up my XXXX XXXX it even says theres an issue pulling up latest equifax records.
Product: Payday loan, title loan, or personal loan

I did a payday loan in XXXX for XXXX dollars and am now struggling to pay it. The APR is 611 %. If I pay one more time on XX/XX/XXXX, this will cover the XXXX dollar loan. I am on the East coast in NC and we are still struggling from Hurricane Florence. I realize I should have not taken out this loan and do not plan to do it again, but I would like to be relieved of this loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized sale and inaccurate reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit reports with Experian and XXXX XXXX The account has been reported inconsistently between the two bureaus, with one showing a collection/charge-off status and the other reporting severe late payments. Additionally, the sale of my account to collections occurred without my consent, constituting a breach of privacy. I demand the immediate removal of this account from all credit reporting agencies, compensation for the damages caused, and a thorough investigation into these issues.

Issues Identified 1. Unauthorized Sale of Account : The XXXX XXXX XXXX account was sold to collections without my knowledge or consent, violating my privacy rights and the Fair Credit Reporting Act ( FCRA ).

2. Inaccurate Reporting : Account Status : Experian : Collection/Charge-off XXXX : Reported as 120 days late, with additional claims of being Was 120 Days Late 13 Time ( S ), which is inaccurate and misleading.

Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Payment : Experian : Not reported XXXX : XX/XX/XXXX The discrepancies between the credit bureaus reporting, particularly regarding the account status and payment history, indicate significant inaccuracies. 

Violations and Impact The discrepancies in the reported information and the unauthorized sale of the account to collections without my consent violate my rights under the FCRA and privacy laws. The incorrect information regarding the payment status, particularly the erroneous reporting of being 120 days late XXXX times by XXXX, is misleading and has caused undue harm to my credit profile and emotional distress.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account without my consent constitutes a breach of my privacy rights, including the protection of sensitive information from unauthorized disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit repair is illegal in the state of georgia i contacted XXXX XXXX to repair my credit in 2019 made false claims about their services promising to remove negative information from my credit report they charge high fees did not to the sevice when i did not finish paying them they put a collection on my report of XXXX dollars for illegal services they did not do unlawful and deceptive practice i want the collection immediately remove from my credit report for this illegal practice the collection company is southwest recovery XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX tel XXXX the credit repair company is XXXX XXXX no contact information.
Product: Student loan

Navient : student loan servicer, since XX/XX/XXXXhas not made me aware of different repayment options including income based repayment and the public service loan forgiveness programs. I have worked for a qualifying non profit organization for the past 8 years. I would qualify for the loan forgiveness in 2 years. Raising XXXX kids during XXXX, I had a significant financial hardship. I was repeatedly told by Navient that I had no options during XXXX other than forbearance. Additionally was told that my only options during times of financial difficulty due to low income, was forbearance. I began doing my own research into the public service loan forgiveness program and income based repayment plans. I called Navient in early XX/XX/XXXXto initiate the process of applying for these plans. I was told multiple times that I did not qualify because of my current income at that time. I talked to a lawyer who looked into it and said that I absolutely qualify. Additionally, when I completed the application and submitted it Navient, I was told that they never received the application, however when I talked to XXXX XXXX XXXX they had a record of that initial application in their system. I talked to Navient again, and was told the application was not processed because I did not qualify for the income driven repayment plan. I resubmitted an application and was eventually approved although initially told many times that I did not qualify. This company has consistently given false information, has been extremely inconsistent, misleading, has " lost '' paperwork, and has caused significant delays in my ability to qualify and begin my qualified payments on the public service loan forgiveness program. When I did resubmit my application to Navient for the income driven repayment plan, they misapplied my information placing me on the PAYE plan rather than the rePAYE plan causing my monthly payments to be excessive. I have therefore been overpaying on my debts, watching principal continue to increase, and not having my monthly payments qualifying for the PSLFP. By rough estimate, they have cost me over 200,000 in unnecessary interest accrual.
Product: Credit reporting or other personal consumer reports

THIS NEGATIVE ITEM THAT THIS COMPANY REPORT TO THE CREDIT BUREAU WHICH WAS A CHARGE OFF I DID NOT GIVE THIS COMPANY AUTHORIZED TO FURNISH ANY REPORTS TO MY CREDIT REPORT THEY DID NOT HAVE MY WRITTEN CONSENT IN THIS ALSO CONSIDERD IDENTITY THEFT
Product: Student loan

XX/XX/year> : Submitted Loan Discharge Application to Aidvantage Fraud and Forgery for two ( 2 ) fraudulent student loans from a different state that had popped up on credit report. Fraud student loan amount # XXXX : {$1700.00}. Fraud student loan amount # XXXX : {$1400.00}. Submitted TONS of supporting documentation. Examples : FSA complaints, FTC reports, credit freezes, proof of address/ID and much more. 

XX/XX/year> : Received a letter dated for XX/XX/year> from Aidvantage stating they : " Needed a copy of my high school diploma/transcript and/or GED certificate ( which is required by the Dept. of Education ) '' XX/XX/year> : Faxed letter stating I XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Called in to Fraud Dept AGAIN on Monday XX/XX/year> to be told to just send in whatever was on my high school transcript. Requested that from district and faxed transcript to Aidvantage on XX/XX/year>. 

XX/XX/year> : Another letter dated for this day, stating : they " did not receive requested supporting documentation ... '' and " missing records from school '' I called in to Fraud team again and was told they could not find my fax. Then told they did find it and I " just needed to wait ''. 

XX/XX/year> : Received another letter, dated for XX/XX/year>, from Aidvantage that they were : " unable to conclusively determine that a fraud was committed or attempted using identifying information of another person without authority '' AND that they " have not received the requested supporting documentation to substantiate my declarations from my discharge application '' THIS IS INACCURATE. They have ALL KINDS OF INORMATION SUPPORTING THIS. I have XXXX XXXX XXXX XXXX  how could I enroll in college to get student loans, this is absurd. I am XXXX and will call tomorrow when their Fraud Dept in Texas opens in the morning. 
XX/XX/year> : Emailed Advocates at Aidvantage, Customer Service at Aidvantage, reopening my FSA complaint account so I can file a new complaint with the Obudsman Group of the Dept. of Edu. Also filing this report here with CFPB. And will be calling Aidvantage Fraud Dept in the morning, AGAIN. Likely to be told " to wait ''. Ridiculous. 

It is absolutely backwards how easy they issued funds electronically for fraud loans, with only an electronic signature and NOT verifying ID, but I can not get them to remove these without jumping through hoop after hoop. It is dragging on, this is not a good process for victims of identity theft. The amount of paperwork I have on this is wild. I hope this complaint helps someone in the future to avoid this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the remarks that are showing on   XXXX   XXXX   and   XXXX   to be removed. Bothe accounts have remarks that read : " Account information is disputed by consumer ''. I am NOT disputing these items and since I have not received any FCRA verified information as they state I want the remarks cleared please. I do not want remarks showing this because no proper investigation was done and  XXXX   XXXX  and   XXXX   XXXX   have assured me that they would send  XXXX  and Experian alerts to remove the remarks because no investigation was done by the companies in a timely matter.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on EVERGREEN PROFESSIONAL XXXX Balance {$170.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. 

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 UD DEPARTMENT OF EDUCATION FOR {$1500.00} Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you