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

My identity was stolen and someone created a fraudulent account under my information. I contacted Experian in XXXX several times and spent hours on the phone. They had created Escalation ticket # XXXX. The fraudulent account is still in control of my Experian credit report and I can not access their services. I froze my credit due to the initial identity theft and I can not unfreeze it now that I need to. 

It has been over a year without them being able to simply remove a fake account created with my information so that I can create my own Experian account.
Product: Credit reporting or other personal consumer reports

- Violating Privacy. Giving 3rd Party companies my non public personal information.

- Ignoring my opting out request sent to them in writing.

- Violating the billing error dispute.

-Security Fraud, False & Misleading representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2020 Credit inquiry XXXX I have had lack of support during this tedious process. Contacting this bureau has been of no use and ineffective when it comes to handling these inquires. As consumer i feel very violated, Compromised and ultimately devalued.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2200.00} XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX  XXXX Balance : {$3700.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$3700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reporting incorrect information. Incorrect payment history. Please have this removed right away. Thank you.
Product: Mortgage

My home mortgage had a starting balance of {$430000.00} XX/XX/XXXX. My monthly payment was paid through auto-deduct each month, on-time and was {$3100.00} ( principal- {$670.00} ; interest- {$1300.00}, and ; escrow- {$1100.00} XXXX. I refinanced and paid off this mortgage XX/XX/XXXX and Freedom provided the following payoff statement to my lender ( this was prior to receiving my XXXX payment, which resulted in a lower principal of {$420000.00} XXXX : Principal- {$430000.00} ; Accrued interest- {$4000.00} ; escrow advance- {$1100.00} ; unpaid late charges- {$250.00}, and ; recording fee- {$86.00}. The total payoff due was {$430000.00}. I have called Freedom multiple times to ask them to remove the late charges & recording fees and their reps said these should n't have been charged and are incorrect, but to my knowledge, they have n't been removed. Additionally, I asked for a breakdown of why they indicated {$4000.00} of accrued interest when my monthly interest is only {$1300.00} -- which means they collected over 3 months of interest at my closing. They said they would send me documents to support their figures and show an accounting of their figures, and how much I was owed back, and that I would receive these by XXXX, but I have not received them as of XXXX. I called them back XXXX and their message said their call volume is too high, so I would need to call back another time, and then it disconnected me. It seems to me that their accounting is erroneous, inaccurate and potentially fraudulent, and that they have no intention of correcting this, or giving the consumer any documents to refute their erroneous calculations.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry XXXX XXXX XXXX
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit schools such as the one I attended, The XXXX XXXX XXXX XXXXXXXX. 

As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 

Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
Fortunately, before this Biden administration announcement, my Federal loans were discharged through the Borrower Defense Case under the XXXX XXXX XXXXXXXX Settlement in XXXX of XXXX. I waited 6 years for that approval. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 

These private loans with a high risk of default were part of a package deal offered to " for profit on-site and online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 

Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 

Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. 

This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 

Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 

Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all of these predatory private loans made to attend for profit schools NOW! 

Link to Senator Warrens Letter XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, 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. 

Toyota Motor Credit : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/ 2024, I opened an account on XXXX  thinking that they would provide me with good returns. On XXXX XXXX website, they claimed to be able to return over 9 % APY for a one-year term saving account ( XXXX XXXX XXXX  ). Once I opened the account, I realized there are lots of people saying that XXXX is nothing but a scam and they ended up getting 0 % APY for the entire year. I requested to cancel the account, but they told me lots of excuses to not let me cancel it. 

Also, in order to earn any potential yield, XXXX  has to activate my " investment '' for the equivalent amount that they deposited. As of XX/XX/2024, 50 days after my account has been opened, the status for the " equivalent investment '' still hasn't been activated. This company is nothing but a scam. They claimed to give people high yield returns, but 100 % of the time they would hold people 's money and give them 0 % APY. 

Please see all the negative reviews here. CFPB needs to take down criminals like this company. It is false advertising and we should not allow companies to blatantly lie to consumers like this. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I tried to remove the freeze/lock on my Equifax account. I was told the information that is accurate for me was not what they had. I was told to mail a social security card and drivers license with my address to Equifax at the XXXX XXXX XXXX. I got no response and after several attempts contacted your Bureau for help Complaint Number XXXX. Through you they said to mail more personal information to the same XXXX XXXX XXXX. I did and they sent the attached reply to now send even more personal information to XXXX XXXX XXXX. 

I will try this again but I want to know What has happened to the information that was sent? 

Why the change in PO box numbers from their response to you? 

Since it looks like Equifax prefers their fraudulent information to my valid information, what should my next step be to get the lock off my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

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

15 U.S.C. 1681b - Permissible purposes of consumer reports I received my credit report & contacted the data furnisher listed informing them their were inquiries in my profile which were not authorized or done with permissible purpose. They ignored my concern with a generic response stating inquiries remain on your credit report for XXXX years The Fair Credit Reporting Act ( FCRA ) regulates consumer reports, including credit reports. Among the many prohibitions contained in the FCRA is the requirement that people using, accessing, or obtaining your credit report have a permissible purpose in doing so. 

Since their was no permissible purpose my credit profile has occurred damages Some of the damages suffered is too many credit inquiries on my credit report. Being denied credit applications or worse finance terms when borrowing money. Second, impermissible credit report access is a breach of privacy. A third party has gained access to my sensitive and confidential information without permission or a legally recognized purpose. 
Most importantly, lax protections against unauthorized access and sub-par security of obtained credit reports make consumers more susceptible to identity theft and data breaches. 
After theXXXX data breach, you think Data furnishers would be more vigilant than ever about protecting consumers financial information. Those unauthorized credit inquiries are more than mere annoyance. They lead to serious financial ruin. 
The FCRA provides consumers whose credit reports have been impermissibly accessed with remedies. 
Their Negligent actions can lead to the collection of actual damages plus attorneys fees and costs. As well as me being able to prove they willfully violated my rights as a consumer and seek statutory damages of up to XXXX and punitive damage XXXX XXXX XX/XX/21 XXXX XX/XX/21
Product: Debt collection

The original creditor is XXXX XXXX XXXX. My daughter was seen at XXXX XXXX on XX/XX/XXXX. I provided all insurance information which was XXXX XXXX XXXX during that time with an effective date of XX/XX/XXXX. The representative did not update her account with that information and caused an insurance denial on the XXXX policy that was termed in XX/XX/XXXX. I provided the updated insurance to XXXX the day of the visit, XXXX XXXX XXXX after receiving a bill and IC System ( collection agency ). This information apparently was still not updated. 
I spoke with XXXX in the billing department for XXXX XXXX XXXX. He was not able to pull up any account with my daughter 's name on it, only my name and nothing with that date of service. I haven't been to that hospital in 10 years. 
There are two issues, no account with my daughter 's information and the insurance information provided on multiple occasions and now this is showing on my credit report due to their negligence.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX Report shows this account was opened XX/XX/XXXX. The account status is collection account with {$840.00} past due as of XX/XX/XXXX. The responsibility is as individual, and the past due amount is {$840.00}. The original balance was for {$750.00}. This account states that the original creditor name is : XXXX XXXX XXXX. I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX. I have no knowledge of XXXX XXXX. Remove this account from my credit report at once. I have never in my life heard of, nor done business with any of these companies.
Product: Credit reporting or other personal consumer reports

The following is a fraudulent account on my credit report that is not mine : XXXX XXXX XXXX XXXX account # XXXX. 
The following address is not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 
I been a victim of identity theft and a few credit accounts were open that I did not authorized. I was able to get the other accounts deleted by working with the credit bureaus and the company who were reporting the fraudulent items. But for the past 2 years and have not gotten any resolution with the above mention item. Today I spoke with a representative named XXXX at XXXXXXXX XXXX XXXX XXXXXXXX who said all she can do is mail me a document on how to get this matter resolved, which they supposedly sent it to me every time I contacted them but I never receive them because they're sending it to the address registered to the fraudulent account. This is extremely frustrating, please help.
Product: Credit card

Hi I ca n't seen to get capital one cards at all I been trying for last 5 yrs..nothing yet. I had a business account I had young lady that work for me my husband we XXXX XXXX. ..she work for over several yrs until they caught her she now in pent..serving time for inden. Theft. So she took both of our names my late husband and I scratching all over usa. Now they wo n't even considering me for new card I told them I would b will to put up half deposit for one. But the keep telling me please help me I did n't do anything wrong. Am getting blame for it ...
Product: Mortgage

This is a two-fold complaint regarding a house my father owned and has now been transferred to me in a trust. 
1. When my father was alive, we attempted to refinance the home under Obamas HARP program and were told that my father was not eligible for the HARP or any other program. My father is now deceased. 

2. When JPMorgan Chase found out that my father died, they have misappropriated escrow monies ; have a conflict of interest by putting lender forced insurance on the house through JP Morgan Chase ; have held mortgage payments in suspense creating late fees ; and not applying escrow funds that were sent in the form of a cashier 's check, certified mail with return receipt. I believe this bank is attempting to force a foreclosure on this property which is now my property. They are refusing to speak to my husband who is a POA in addition to myself despite my writing a letter to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting 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 XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 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 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: Credit reporting

I called XXXX on XXXX XXXX, 2015 at XXXX. I asked the rep to provide all accounts appearing on my credit report to check for accuracy. He told me repeatedly that my report had not been updated since XXXX XXXX, 2015. He then insisted that I must pay for the monitoring service to " refresh '' my credit report. He stated that the FCRA does not allow them to change accounts and/or information on my credit report " without paying. '' He even stated that TransUnion could n't guarantee the accuracy of my credit report unless I paid for the monitoring service they offer. I was appalled that TransUnion would make such an unlawful assertion. That is kin to extortion, and at the very least unfair business practices in violation of the FCRA.
Product: Credit card

In summary : Despite XXXX confirming these orders were canceled due to unauthorized access, and despite providing detailed information and documentation, XXXX out of XXXX disputed transactions have been rejected by Capital One. 

We provided comprehensive documentation, including : XXXX cancellation emails confirming the orders were canceled due to unauthorized access. 
Screenshots of the order status indicating they were removed from our account. 
Detailed lists of transactions with dates, amounts, and corresponding orders. 
An explanation of the delay in opening a dispute due to transaction complexity, exchange rate variations, XXXX split charges, and efforts to resolve with the merchant XXXX. 

Given the complexity and the time required to identify the erroneous charges, these disputes should have been considered on their merits despite Capital One 's arbitrary 60-day deadline. Our documentation clearly supports that these charges were unauthorized and should be refunded. 

~~~~~~~~~~~~~~ In detail : Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX ( .XXXX XXXX XXXX XXXX XXXX XXXX ) charged us a total of {$32000.00} over 23 transactions and two Capital One accounts for orders which XXXX claims to have canceled. According to emails from XXXX they canceled the orders because : " an unauthorized party may have accessed your account ''. 

We confirmed each order had been canceled by accessing the status of each in our XXXX account which returns a message stating : '' We recently detected unauthorised activity on your account and have removed this order from it. '' We have a very high volume of large transactions from XXXX XXXX on our card statements and reconciling each transaction to its associated XXXX order border on impossible due to the volume, daily variation of exchange rates, XXXX 's habit of breaking up charges for one order into an arbitrary number of separate charges, and XXXX 's inaccurate presentation of the way the charges have been split. 

Because of the above, it took us time both to identify that we had been erroneously charged and to find exactly which transactions were invalid. 

We spent time attempting to resolve the matter first with XXXX, but without success. 

We initiated a dispute with Capital One on XX/XX/XXXX and on XX/XX/XXXX received notice that the 3 most recent transactions had been refunded, but for the remaining 20 transactions totaling {$28000.00}, the disputes were being rejected as Capital One wanted additional information. 

On XX/XX/XXXX we reopened the cases with Capital One, supplying the requested information. 

On the same day and the following, Capital One rejected all of the disputes citing either that submissions lacked requested information ( untrue ), or that they could not reverse the transactions because they were past a 60-day deadline.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. The date of the last payment. The account status. I am requesting an investigation into the accuracy and completeness of the above data for the XXXX XXXX  Account - Account No. : XXXX
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 : States I have the right to privacy. 

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 

15 USC 1666B : A creditor may not treat payment on a credit card account under any open end consumer credit plan as late for any purpose.