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

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. XXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for about 5 years now, my information was leaked during the XXXX breach. I have disputed the items that are fraudulent on my credit report 3 times with all 3 bureaus and they all do the same thing. They open a dispute and close it within a DAY! Sometimes its closed within the hour! They DO NOT INVESTIGATE! Investigations take time and require a human being look over the evidence, which has never happened in my case. I have sent in the identity theft reports, police reports, and recently their were 2 individuals arrested with my stolen information and items. I sent them this evidence as well and it has gone unrecognized. Its beyond frustrating! The items that need deleted from my report that have DESTROYED MY GOOD CREDIT, are XXXX, XXXXXXXX XXXX XXXX  and XXXX. I will upload all the evidence on this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company illegally combined my information with someone else 's profile. They had the wrong address, email, phone number and social security number on their profile and yet they try and charge me for it. I've been disputing this for a year now and its to the point the where a lawyer should be involved. I haven't had an account with XXXX XXXX since XXXX and I was told that I can not open another account. Yet, in XXXX an account was opened and is on my credit report. Please address this company and have my their information removed from my credit report.
Product: Debt collection

I found a debt collection from IQ Data International in my account. It opens on XX/XX/2019. Original Creditor name : XXXX XXXX, CA. I have no idea what is the amount and what is that for. I submitted the dispute to the credit bureau already but it doesn't work and give me an explanation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section : 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Navient has increased my student loan payments astronomically. The agency has saddled me with my children 's federal loans, which is hurting me emotionally. I informed their staff that I am also paying for my children 's private loans but to no avail. They rushed me into a payment plan I ca n't afford. I asked them to enroll me for PSLP for public employees, but they informed me I do not qualify. Please help me because I 'm drowning in student loan debt with Navient. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in the things that I was asked to send in by the credit company. I do not know why the items are still showing on my report. I was informed that they would be removed within 72 hours when I spoke on the phone. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reported late payments on my credit all different in each credit bureau when they had already received payment from XXXX and the vehicle had been in an accident and was a total loss. They are careless and till reported payments late when XXXX had already sent them a pay off for my vehicle.
Product: Vehicle loan or lease

My finance company does not report correct information to the credit bureau. 
I started my loan with this company XX/XX/2020. Since then I have made my payments on time. 
They are not reporting my payments to the credit bureau and it states on my XXXX report that I owe them {$14000.00} since XX/XX/2020. 

When I called them to ask why they have not updated my report to show that I have made on time payments for the last 2 years, I was advised that " they do not report to the credit bureau unless you are more than 30 days late or you have paid the loan off. '' This is keeping my credit score from going up since this is the biggest loan I have at this time and it shows as negative activity when the amount has not changed in 2 years. 

This is also keeping me from getting a home loan.
Product: Credit card

Since XX/XX/2023, Navy Federal has been charging me excessive interest fees XXXX  per month. I have been charged a fee of {$72.00} and {$32.00} every month since XX/XX/2023. This card is not being used and the account has been closed for almost a year. I dont ' recall being charged these excessive charges upon receiving the credit card. I believe these charges are excessive, and needs to be investigated.
Product: Credit card or prepaid card

Have not received XXXX XXXX  or XX/XX/2022 statements. Am unable to verify charges due to no statement received.
Product: Debt collection

In XXXX, I attended XXXX XXXX  and left early due being mislead by the program. In XXXX, I filed Student Borrower 's Defense with the Federal Government against XXXX XXXX  to have my student loans that I received from XXXX to be discharged due to their misrepresentation of the school. 
In XX/XX/XXXX, I received notification that Account Control Technology was added to my credit report as a collection. I was never notified from Account Control Technology so that I could dispute the debt or request debt validation. This debt is also from XXXX, and they have re-aged the debt to reflect opened as of XX/XX/XXXX Account Control Technology stated that they were sent over information from XXXX regarding a mailing address that they mailed all correspondence to. When I attended XXXX XXXX, I always received correspondence through email because that was my preferred method of communication. I NEVER received any mail through the physical address because we NEVER received mail at this location, we always received mail at our po box . When I called today, XX/XX/XXXX, a representative told me that it did not matter when I submit a dispute on the account. I informed the representative that evidently it does matter when I dispute the account, because since I was never given the 30 days to dispute the account that now it is on my credit report. When I called this company, I I went over the issues pertaining to them illegally placing this on my credit report without properly giving me the chance to respond. When I requested the copies of the correspondence to which they claim they sent to the wrong address, they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a debt consolidation loan with Upgrade and I was told I was denied using information from XXXX and XXXX. I accessed my XXXX report and NOTHING on this report is accurate at all. Every single entry on this report is dated XX/XX/XXXX which is extremely odd. This report shows two inquiries on XX/XX/XXXX from XXXX initiated by me that I did not initiate - I have not applied for or initiated anything with XXXX. My drivers license number is wrong. My employer is wrong. None of my positive credit history shows. My entire bank account number is shown and on display. My payment history is completely blank. All the information under account review is incorrect and inaccurate I did not iniate any of these. My home and work phone numbers are incorrect. Under additional information it shows all info received on the same day XX/XX/XXXX and none of the information is correct. This report shows no bankruptcy yet I have been disputing two bankruptcy entries on my XXXX  report for over a year. XXXX XXXX removed the information due to inaccuracies and the complaint I filed w the CFPB yet XXXX refues. I was denied a loan I need due to all the misinformation provided by XXXX and XXXX. It also has my name listed as " XXXX XXXX '' instead of XXXX XXXX. The bankruptcies shown filed XX/XX/XXXX and XX/XX/XXXX ARE NOT MINE. XXXX XXXX removed them due to conflicting information from the XXXX screens I paid for to access you can see the address on those bankruptcies is NOT mine and that address is not on my credit file and is not the same as the bankruptcy I did file that was discharged in XXXX. If XXXX refuses to remove I demand under 15 U.S Code 1006.34 that XXXX explains to me how they are validating these public entries on my credit file with the misinformation from XXXX and XXXX removal. If XXXX is the parent company of XXXX why do they have different information for me on their files.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon reviewing my credit report, I have identified several billing errors that constitute violations of 15 U.S. Code 1666 ( b ). Specifically, the creditor has failed to comply with the requirement that payments on an open-end consumer credit plan must not be considered late unless each periodic statement is mailed or delivered no later than 21 days before the payment due date. Additionally, there has been a failure to accurately reflect payments or credits issued to me and a computation or similar accounting error on the creditors statement. Since I was not notified 21 days before the payment due date, any reported late payments on this account are incorrect. I request that you provide solid proof from the creditors bank account showing that I did not make the payment and that it was marked late, as this indicates a billing error. The items in question must be updated to " paid as agreed '' on my consumer report. 

XXXX - XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never late, so delete this 30-day late remark from the payment history as follows : Late 30 days in XX/XX/XXXX Late 30 days in XXXX XXXX XXXX XXXXSC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXX XXXX XXXXXXXX I believe this is incorrect and should be removed by the provisions of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act of 2020. According to the CARES Act, during the COVID-19 pandemic, creditors were required to report accounts in a manner that did not adversely affect consumers who were granted forbearance or other relief due to pandemic-related hardships. The account in question is reported as late, despite my eligibility for such relief under the CARES Act. Remove these incorrect late 30 and 60 days from my report!
Product: Credit card or prepaid card

BMO Harris Bank 's statement is calculating the credit ending balance incorrectly. On my XX/XX/XXXX bank statement, the previous balance is XXXX ( CR ), other credit for this period is XXXX ( CR ), however, the ending balance is only showing XXXX ( CR ) rather than the accurate amount of XXXX ( CR ). 

In addition, for the XX/XX/XXXX statement, it shows the purchase amount is XXXX, which exactly offset the credit amount I have been on the credit card, but it was never incurred. 

My statement is understated. I tried to contact BMO, but it takes forever to talk to a real person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : XXXX XXXX Account # ending # XXXX XXXX XXXX has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately.

I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
Equifax and XXXX are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, Equifax and XXXX, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to Equifax, XXXX, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked. 
The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). Equifax and XXXX are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX
Product: Vehicle loan or lease

Per prior case # XXXX ( with CFPB ) XXXX # with Financial Pacific Leasing ( XXXX ). This matter should not have been so closed so quickly from the CFPB. It didn't allow me ample time to provide a response to Financial Pacific Leasing 's response. Perhaps I will file a complaint with whoever oversees the CFPB. Do I need to contact the Inspector General or XXXX XXXX, XXXX XXXX and tell them I feel this matter was not handled properly. The company gave some generic response. They did not address how they come up with erroneous fees. They almost double and triple fees for customers ( including mine ). This can't be legal. I believe the Government and Congressional leaders have oversight and power over these companies ( to investigate and shut them down ) for illegal and deceptive practices as these articles clearly state. There have been many complaints from other consumers. Therefore, this should not be ignored. The XXXX XXXX XXXX filed lawsuits on behalf of other NY customers in reference to a similar company with similar illegal and deceptive practices. Please review/see the following links below. Financial Pacific Leasing is a subsidiary of Umpqua. It is also noted on their website. ( As a subsidiary of Umpqua Bank, Financial Pacific Leasing XXXX XXXX ) https : XXXX https : XXXX https : XXXX https : XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I notified the financial institution of an unauthorized ( erroneously ) charged merchant transaction. ( XXXX Consumer Credit Card ) The financial institution opened the dispute under the following case number. ( case number : XXXX ). 
However, the financial institution violated and failed to comply with 1005.11 ( c ) ) ii ) ( Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation ; ) code of the Federal Regulations, and the financial institution 's behavior established an Unfair Business Practice and caused the customer a disadvantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Colorado XXXX University Account 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I applied for credit from XXXX XXXX XXXX XXXX and was denied reason given, Unable to verify credit accounts. XXXX XXXX pulled this info from Equifax. I have contacted Equifax twice and was able to verify all my information is correct and there are no freezes or alerts on my credit. I reapplied for my credit with the same bank and I am still receiving the same reason. I have no idea what the problem is and would really like to get this resolved as soon as possible.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # 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: Vehicle loan or lease

In XX/XX/XXXX I financed a car with Credit Acceptance. In XX/XX/XXXX Credit Acceptance repossessed and sold my vehicle without allowing me the opportunity to redeem it. They never sent me any information to my home address, any alerts to my emails or phone calls. They sent letters to an address that Ive never lived at or associated with. Per US CODE, they are required to allow me the opportunity to redeem my vehicle. They did not. In fact, they sent documents to an address that I never lived at. After I submitted XXXX disputes directly to them, they sent me copies of a letter they sent to an address that never belonged to me or Ive lived at. They did not alert me at all. They violated my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inquires that are not sent police report and id theft gov Inquirer Name inquires pulled twice by the same company within 30days why? 
Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, AL XXXX  BYMAILONLY XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, RENTAL PROPERTY XXXX, XXXX XXXX XXXX not mine idtheft victim