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

I have reviewed my credit report and I don't have ownership of a account with XXXX XXXX XXXX XXXX XXXX  nor do I have a collection with XXXX XXXX XXXX. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 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. I demand this account to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a loan from XXXX. They changed companies that serviced them. They went from XXXX XXXXXXXX XXXX to XXXX. Instead of showing transferred or closed from XXXX XXXX XXXX it still shows as active. I paid off my loan in XXXX of XXXX and XXXX reported it correctly as closed. But the XXXX XXXX XXXX still shows as active on Experian. I called XXXX and they stated they couldnt help me because XXXX services the loan and I called XXXX to help and they stated that they couldnt help me because they reported correctly and its XXXX XXXXXXXX XXXX issue and that I needed to call XXXX. I then took the initiative to reach out to XXXX XXXXXXXX XXXX the last week of XXXX and they were to call me back within 48 hours and never received a call back.
Product: Credit card

I received a settlement offer from Navy Federal in XXXX 2024. The settlement offer stated that I will pay a certain amount every month for XXXX months to honor the terms of the agreement. I have been doing so religiously, however, the company continues to send me letters stating that the settlement amount has been applied to my outstanding balance. I have called, written and emailed only to be given the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have had some issues with my information being compromised.
Product: Student loan

Fedloan has completely ignored all emails and calls. The department I need to speak with is shutdown and there is ZERO people to answer questions or help with difficulty making payments during coronavirus. They have shut their website down several times for so called maintenance and I am unable to view my loans or speak with anyone. I am refusing to make a payment as customer service has been horrid and for over two weeks have ignored all my emails and calls, they need to be held accountable!
Product: Debt collection

On XX/XX/2022 I was summons by Midland Credit Management. I called their attorney to ask what was this about and was told that I was being sued for 2 credit cards for {$3300.00} 1 plus court fees unless I paid {$100.00} down and {$200.00} a month until debt is paid. I was told if I miss one payment, the judgment would go into effect. I received this the same time I was being served with eviction. I was terrified and devastated. Out of fear, I paid the {$100.00} dollars on XXXX. But I began to ask questions because I didn't know which credit card was owed what and what were the mysterious court fees. I called 3 times and got a different amount each time. It was stressed to me to sign a judgement letter as soon as I received it in the mail and rush and return it so I wouldn't get sued. I was told the judgement letter would stop the law suite and the creditors would not come after me any more. The guy representative on the XXXX of XXXX said once they receive the judgment letter, they will call the credit card companies and let them know that I signed the judgement letter and they can stop the suite . Everything began to sound shady. After sending the {$100.00}, they sent a letter stating that I agreed to a recurring payment of {$100.00} and I didn't. I stressed it was one time. I didn't return the letter, I answered the summons, and sent a cease and desist letter never received a debt validation later or the chance to dispute. They knew I was being evicted and used that to scare me even more. I'm waiting on my court date. I decided to fight back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  : Account 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 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/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 or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof that you have on file for the account listed below.

1. Achieve personal loans.

Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account I demand that the following account be verified or removed immediately : 1. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v.

Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes unverified items, late payments and unauthorized inquiries on my credit numerous times. Ive sent 4 notarized letters certified, and they responded 3/4 times stating that the items are mine and they have been verified but they refuse to provide the proper documentation to prove that these items are mine. As far as the inquiries Ive reach out numerous times and they just ignore it and wont respond. Im asking for something simple, exercising my right under the FCRA and they refuse to comply
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion I disputed XXXX  XXXX XXXX with you back in XXXX about a 30 day late on XX/XX/XXXX and also another 30 day late on XX/XX/XXXX. I sent you factual proof that XXXX XXXX had taking payment for the Month of XX/XX/XXXX But on XX/XX/XXXX you sent noticed back that this has been verified.. How has this been verified when you have factual proof of a payment was made. please delete this account as you have failed to do your Job. I noticed and already have a dispute the update on a lot of your accounts that you claim was verified are not updating I don't understand why you are sending them to customer relation this is nobody issue but transunion. When you get noticed back from creditors the systems should auto change the date. could you send me the date and time that you sent the dispute to XXXX and also the date and time XXXX replied back to you via XXXX XXXX. also you didn't remove the two 30  day late I know you didn't investigate this account as well. 100 % FCRA 100 % accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a XXXX  XXXX collection balance with a law firm. ( Account number XXXX ) I attached the SETTLED IN FULL letter to the disputes at the bureaus. The bureaus left a balance on the file. This is a violation of my rights under the Fair Credit Reporting Act. 

According to Section 611 ( a ) ( 1 ) ( A ) of that law : Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

The key phrase in that paragraph is : " RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE '' The current status is that the balance is XXXX.
Product: Debt collection

We made a dispute with our credit card agencies agains Midland Financial Services because we noticed a debt that either my husband or I even knew about. We were out of country when they put this on our credit report. 
After investigation, the so called debt from Midland was removed from both my husband and I credit reports -3 times!!! This took place first XX/XX/XXXX then XX/XX/XXXX. 

Today, XX/XX/XXXX, Midland Financial garnished my husbands wages for a debt we have no idea about and they could n't even prove it because the credit agencies removed the debt off our reports. This is Illegal and unacceptable. We feel helpless in this situation. 

Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that my credit report or score has not been updating on my end since XXXX. I called Experian Friday and the representative advised me to call Monday when someone could handle my situation. He did not even try to figure out what my issue was. He told me no supervisor was available and I have to call Monday even though the app says they are open on weekends. I called again today and each of the reps were rude to me aside from transferring me 6 times. All I wanted was to know why my credit has not been updating. This is unfair to have your life dangle at the hands of people who could care less. This is disgusting because I as a consumer have no alternative and I am needing accurate information to take further steps in life. Experian has held my life up instead of being a decent company and having reps to actually do a job. I called XXXX  and received stellar customer service as well as guidance on how to fix my issue in less than 4 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX a credit account was removed from my credit report by Experian. This account was in good standing and I did not dispute its existence. The removal cause my score to drop due to a shortened credit history. The account was not due to be removed until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this inquiry was put on my credit report illegaly by a company i have never done business and shared my personal information. i do not remember owning this account nevertheless a status appeared stating XX/XX/2019 i opened this account, it does consist with other consumer reports i have, the company is XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient reported my account as past due 90 days because I did not renew my income-based repayment plan. However, the documents were sent to Navient on two occasions. I verified that the repayment plan was approved but they still reported my account as delinquent.
Product: Debt collection

My XXXX credit card was paid off in XX/XX/2019. I had automatic payments set up and paid early on the XX/XX/XXXX balance. Since then they have been charging me interest and late fees that now result in {$170.00}. I have tried calling the company who don't listen to my complaints, emailed, and sent one letter. I received 4=8 calls a day from this company. When I answer they hang up. I have reported this to the XXXX ; synchrony bank did not respond. My credit report now has a negative mark as result of this. I do not know where else to turn to in regards to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts from my credit file. Pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), I am entitled to have accounts and related information blocked from my credit report if they are a result of fraud or unauthorized access to my personal data. 
Please remove the following accounts from my credit file : Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00}
Product: Debt collection

Citibank try to say I owe money and the account is really old date from year 2000
Product: Checking or savings account

Introduction : Im submitting this complaint against Chase Bank due to a mishandling of my mobile check deposit and misinformation from their representatives, which led to serious financial disruption. 

Complaint Details : On XXXX, I deposited a $ XXXX paper paycheck via Chase 's mobile check deposit feature. To my surprise, Chase placed a 12-day hold on the deposit. This delay was unacceptable, as I rely on these funds for essential expenses. 

I contacted Chase immediately to cancel the mobile deposit due to the unreasonable hold. The Chase advisor informed me that it couldnt be canceled and that Id need to wait it out. When I explained that waiting wasnt an option, another representative suggested I deposit the check at a different bank instead, claiming this would resolve the issue. I followed their guidance but decided to double-check with Chase, only to find that this was incorrect advice. Rather than taking responsibility, Chase then tried to blame me, accusing me of negligence. 

To make matters worse, Chase restricted my account, preventing access to my funds until the hold period was over. This restriction has now disrupted my autopay transactions, leading to even more financial complications. Every action I took was based on Chase 's instructions, and I am left to deal with the fallout due to their mismanagement. 

Impact : This situation has left me without access to my paycheck for nearly two weeks, impacting my ability to meet critical financial obligations and causing significant frustration. I relied on the bank 's advice, only to be left in a worse position. 

Resolution Requested : I request immediate release of my funds, removal of any account restrictions, and a review of Chases policies and training regarding mobile deposits and customer advice. Additionally, I would like compensation or fee reversals for any costs incurred due to their mishandling of my deposit.
Product: Credit reporting or other personal consumer reports

*This is not a duplicate complaint, new information is being submitted! 

The credit brueaus are not protecting the consumer. These accounts have been removed from my credit, yet keep reoccurring. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiries from the latter companies. 
I've also been discriminated against for being XXXX, resulting in lower then my strong credit should and did reflect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every single credit bureau has listed incorrect or old outdated personal information in my file. 

The following is the only information that should be reported. 

1. NAME : XXXX XXXX 2. Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX 3. Employer : XXXX All other names and sub-names should be deleted. 
All Old address that do not pertain to me as of right now should be deleted. 
All Old employers that do not pertain to me as of right now should be deleted. 

Failure to delete and correct the requested information will result in a legal notice from my attorney on this matter.
Product: Debt collection

Someone used my identity for a cable bill that I was not aware of. I found out when I moved into my own place and couldnt get cable because they said I had a balance of {$790.00}. I informed them that I never gave my consent to put the cable in my name and I tried to dispute it they threaten to ruin my credit. They put the account in collections without my knowledge. I never received a letter from the collection agency but they put the account on my credit without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been a victim of Identity theft, and I am hoping the XXXX XXXX XXXX and the FCRA can assist me getting my financial life back together. All the accounts listed below are fraudulent and should be deleted immediately. 

WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT and nothing has been doneAccount Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX : Account Name : XXXX XXXX BANK SS Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX  Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

My home was broken into last night and my purse with my debit card, credit cards, checks, car key and drivers license was stolen. I called customer service and they were so helpful in filing disputes and closing cards and issuing new cards. After the police left I decided to call the XXXX XXXX ( XXXXXXXX XXXX ) and ask for them to place a teller alert on the account in case someone came through trying to do a withdrawal. XXXX advised I open a new account which was understandable but I dont currently have a drivers license or any way to get money currently. She said she would put the alert on the account. She then called back and advised she would be putting a debit block on my account. I advised her I do not consent to that as I have my mortgage coming out. I asked if it would be paid and she said no her manager told her she had to do it. I asked to speak with the District Manager and for their phone number which she declined. She advised she would have them call. I told her numerous times I do not consent to a block but she blocked it anyways per policy Weird that the fraud department advised I didnt need a new account and just placed stop payments.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : INQUIRIES : XXXX  - XX/XX/XXXX : XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

NORTHSTAR LOCATION SERVICES , LLC accessed my consumer report without permissible purpose violating the guidelines under the law. I am prepared to take any necessary action to safeguard my rights.