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

Following 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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name XXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX.
Product: Credit reporting

Equifax is reporting an account with XXXX in the amount of {$280.00}. They have failed to provide me with the documentation that was used to verify that this entry is correct. Equifax has repeatedly re aged this account when in fact it should have been removed in XXXX 2015. This is not the XXXX time that Equifax has reported inaccurate information and has failed to fix tge problem in a reasonable amount of time. I want the actual documentation that was used to verify this debt.
Product: Student loan

I like many American borrowed and took out student loans to be able to attend college and better my life for my self and my family. Upon completion of school at the 6 month mark for repayment to begin I contacted Navient/XXXX XXXX to apply for their " income based '' repayment plan. It was much to my surprise that when the statement started coming in their " income based " plan was anything but that. Between the loans that I had they were seeking over {$2000.00} per month, this while barely making {$32000.00} before taxes. They did let me apply for " debt consolidation '' which did lower my monthly payment, but in return added nearly {$20000.00} extra in interest to my loan amount. You can only imagine my shock when I got this new total. I like many Americans have no choice but to " pay the man '' what they want or risk losing everything by wage and tax garnishment. If I had known how these companies worked against people rather than to work with people I would have never taken out loans to help pay for school. I do not deny that I owe the money that I borrowed, but the additional interest charges and the amount they are charging to have one payment per month rather than 2 or 3 should be illegal. I will be paying at full payment until I retire from work. Something needs to be done about companies that prey on the needy or the economically struggling people.
Product: Vehicle loan or lease

On Monday, XX/XX/XXXX I visited two XXXX Dealerships ( Owned by Honda ) to lease a XXXX XXXX XXXX. First dealership is located off XXXX XXXX in XXXX, NJ and the second dealership was located in XXXX, NJ. I specifically inform the sales person that I already made my mind in selecting that specific model and the down payment would be {$3000.00}. Before running I reminded them i had a repossession back in XX/XX/XXXX with Honda which i completely paid off the deficiency after the auction sale of the car so this incident was basically settled and explained it was due to my poor budgeting and young at the time. The sales person advised me it shouldn't matter. 

We continue to proceed with the transaction and once we negotiated the price they then told me they were going to run my credit report. Soon after, another guys shows up to inform me that Honda will NOT lease any car unless I have a co-applicant and told me it can not be an SUV. Not only was a hard inquiry placed on my credit report but my my frustration is, they KNEW I had a repossession because it was the first thing I disclose to them and second the repossession happen over 15years ago!!! The finance guy told me Honda will " Never '' allow me to lease with them because of the repo. My frustration was if this in fact was true and I did disclose this to them, why even bother running my credit when I told them from the very beginning I wanted to lease. It seems to me the did not care and regardless of a credit inquiry placed, they failed to disclose this information. I even asked to put a higher down payment and they told me no. Why put me through this aggravation if they knew they NEVER lease with this history. Secondly, I thought after 7 years they can not use any adverse reporting against you, which evidently they sure did. Please help.
Product: Debt collection

I was contacted by Biehl & Biehl XXXX XXXX XXXX XXXX XXXX IL XXXX a collection agency on XX/XX/2021 about a debt that I don't owe, I never signed a contract or agreement to pay such charges {$1700.00} I disputed the debt and asked to the collection agency to validate the debt and provide me a proof that they are Licensed to collect debts in Florida, on XXXX XX/XX/2021 they write me again this time, ( quoting ) " We have written you several times about this past due bill but you have not responded '' they ignored my response and started XXXX my cell phone, they are acting in behalf of XXXX XXXX XXXX I never signed any invoice accepting the charges that they are trying to collect, including some charges that never happened at all. The collection agency is in a clear violation of FDCPA.
Product: Student loan

I received a call explaining that I was eligible for a public service forgiveness for my student loan. I returned the call to speak with a XXXX XXXX that worked for Debteaze ( www.debteaze.com ). After using deceitful and manipulative tactics, he was able to obtain my social security number, credit card number and and other critical information. He explained that after 9 consecutive payments, my student loan payments would drop to 0. I have formally written and called to explain I do not want the services and do not approve of any charges or information sharing. Please contact me at your earliest convenience. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to call and spoke with rep and then they transferred me over to credit specialist to discuss my APR and interest rates. They customer service rep stated the could lower fees and help with APR and would reach out to another person to discuss what they could do. I pay 25 % interest rate and i have been with the credit repair service now for 6 years. I got my credit score up to a XXXX and the still continued to raise my interest rates and charge me excessive amounts of interest so I could not pay my debt off and just recently hit me credit score because I fell behind. This rate is outrageous and the did nothing to help or even try to assist and I have been a loyal customer of theirs for 6 years. They also did nothing to change my interest rates after i had improved my score with them above XXXX which was a good credit score. They never once tried to treat me like a loyal customer even when my credit was good i did not deserve years of high interest rates
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan account balance is incorrect. It shows balance total on my credit report is {$11000.00}. It should be {$6200.00}. I can not get XXXX XXXX credit reporting to correct it
Product: Debt collection

I have requested this debt to be valided and proper documentation provided to support that I was in contract with XXXX and had past due Cell Phone bills. I disagree that I was in contract and that debt was still owed. After 2 years, hours adding up to over XXXX speaking with XXXX as well as RPM no contract can be located ( there was no contract ). At that time XXXX lowered the debt from {$1900.00} to {$1100.00} I continued to dispute as I know I was not in contract and the response from RPM and XXXX was proven incorrect at which point the reason for the debt was changed. They stated that I cancelled during contract I advise I was not in contract and to supply me the contract at which point RMP asked me to supply them proof I didnt have a contract! That is not even possible as XXXX does not exist. When speaking with XXXX they advise that THEY turned me off for non-payment as the amount being reported was higher than if there was a contract cancellation. I provided XXXX with proof that I was no longer with them and transfered all my phones XXXX XXXX and that if THEY were the ones that turned me off for non-payment I would not to this day have the same number. That is when they lowered the amount as stated above. At that point I offered to settle for {$350.00}, I had already disputed this again for years, was verbally abused by the collectors, disputed it with the credit bureaus, sent in a Qualified Written Request, which no response was ever provided and this showing on my credit bureau has destoryed my rating and falsely represents my ability to maintain my credit obligations. RPM stated they would have to get approval. I called back and they advised me XXXX would accept {$400.00}. I asked for a letter to verify that they would be removed off my credit and that we would settle. I waited XXXX business days and called back. Was informed that the account was cancelled by XXXX and Transfered. I asked for a letter in writing stating what has occured and was provided a letter and was told that they would report to the credit bureau as cancelled. I have again spent months trying to get them to update as THEY ARE OBLIGATED TO DO. This debt is not only showing on my credit but now for XXXX different amounts, {$1900.00} and {$1100.00} and dates!! This is a direct example of their business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$76.00} ; XXXX  XXXX XXXX Balance : {$25.00}
Product: Credit reporting or other personal consumer reports

In XXXX  Portfolio Recovery Associates gained access to my credit report from an employer XXXX XXXX XXXX XXXXXXXX XXXX ) Portfolio Recovery Associates has been accessing and altering my credit report since XXXX  to present. They stole my online identity by using a duplicated copy of my marriage certificate. I have never given this company or any employer a copy of marriage certificate. I have also never used my marriage certificate for a name change. My social security number has not been reported for employment or housing since XXXX  in XXXX XXXX XXXX but my name is still being used. Now that I live in XXXX  PRA intercepted my apartment lease, stole my deposit duplicated my lease and now trying to evict me. The information in this portfolio this company is reporting about me is false. This company reported a duplicate copy of my son 's XXXX XXXX as proof of my death for employment and housing gain. This company created a portfolio on me using stolen duplicated XXXX  vital records with my first and last name as an the " XXXX XXXX. '' This company falsified I applied for a job with XXXX XXXX XXXX while I was physically working for XXXX XXXXXXXX XXXX  school district in XXXX. The person who stole my marriage certificate for employment gain is XXXX XXXX XXXX. XXXX XXXX XXXX was given access to my payroll and housing after stealing my marriage certificate. He was able to use my name as my husband but he is not my husband. Also there is a fingerprint card that this company is using with my first and last name for employment gain in this portfolio. My BIRTH name and my MARRIED name are the same. I have been married over 20 years now. My name should never be reported without my middle name for employment or housing. This falsified portfolio was also integrated with the XXXX  ( XXXX XXXX XXXX ) in XXXX  in XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX by XXXX who was the manager of XXXX XXXX in XXXX. Also in this portfolio this company is reporting that I have been convicted of " INSUFFICIENT FUNDS '' which is completely false. I have never been convicted of a crime in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian about credit report inaccuracies Name, address, employer and inquiries that I never authorized. 

They amended my name employer and never responded to my letter regarding credit inquiries. There was no mention of it in the letter I will include a copper of the letters. 

The fair credit reporting act says they need to investigate these, they arent allowed to ignore my complaint. Which they have done. I have no accounts with these creditors nor did I ever sign anything or agree to have my credit shared.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : While reviewing a copy my credit report, I discovered that some of my credit references are not included but have been reported. Please add the following accounts along with my credit history as evidenced by the attached letter from the merchant to my credit report. 
Merchant Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ] of the Fair Credit Reporting Act, there should be no charge for this report because it currently is incomplete.If you have any questions or need additional information, please contact me at the address listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters on 3 separate occasions to EXPERIAN concerning ALL of these issues : XXXX XXXX  account # XXXX is reporting " charge-off+ every month and this falsely manipulates the statute of limitations. I have notified Experian of this error, they stated they investigated, but the error has not been corrected. I requested a deletion due to the error. 
XXXX XXXX account # XXXX is reporting " charge-off+ every month and this falsely manipulates the statute of limitations. I have notified Experian of this error, they stated they investigated, but the error has not been corrected. I requested a deletion due to the error. 
XXXX/XXXX  account XXXX XXXX is listed on my report TWICE ( same account number as well ), but they sold the account to XXXX XXXX XXXX which I have paid. XXXX was deleted from my credit report after paying, yet XXXX/XXXX  account XXXX XXXX is still reporting even though they sold this account. They should not be on my report at all due to selling, and i paid. They also reported " charge-off '' TWICE. I requested deletion. 
XXXX XXXX  account # XXXX is reporting " charge-off+ every month and this falsely manipulates the statute of limitations. I have notified Experian of this error, they stated they investigated, but the error has not been corrected. I requested a deletion due to the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Experian XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX MARYLAND XXXX, MO XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : Dear XXXX, Experian , & XXXX This letter is in response to your recent claim regarding Acct # XXXX, which you claim I have errors, charge offs, fraudulent accounts on my credit file. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from XXXX XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : 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.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing on my own behalf to delete the following information in regard to the information on my credit files. 
Fraudulent applications were submitted under my name and/or my identity without my consent to obtain goods or services with my information. The items I need to delete are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report on my credit file. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : INQUIRIES : XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022, XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX SERVICES : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX  SERVICES : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am a Chase Bank customer of many years. My husband and I have a Joint account that includes checking, savings and credit card. Over the past year we have experienced numerous duplicate payments to two particular payees. XXXX XXXX charge and XXXX XXXX. When I receive our bills, I immediately go in and schedule the payment to arrive by the due date, then shred my bill. This occurred 3 times in XXXX, then again earlier this year, which when I called customer service, they reversed one of them as it was in pending status. 

Today I see it occurred again on my XXXX XXXX scheduled payment. It is in pending status so I called Customer service to have one removed. They refused to help me because my husbands name is first on the account and he was not here to participate in the call. He is out of town. I stressed that I am a joint account holder, have all the verification info needed but she said that even her manager and supervisor would not be able to help me and that I would need to call when my husband is home. I stressed that this is in pending status and by the time we call tomorrow ( he is expected home late tonight ) it will have gone through. The amount is not insignificant, {$700.00}!! I can't have this pay twice! So I go up to my local branch, fuming. The banker understood my issue and stated they should have been able to help me. He made the call. He was met with the excuses that it can not be reversed, with the representative even insinuating that I had made the error and paid it twice! FYI, in the past other phone representatives when they did help clear it also insinuated that. In the end, he was told that I had to call tomorrow after it fully posts and file a claim!!! 

This is just terrible customer service! Why do these double transactions keep occurring? News articles on XX/XX/XXXX indicate that this issue had been resolved and they were immediately crediting duplicate transactions. IT IS NOT RESOLVED!!! MY ACCOUNT IS NOT BEING IMMECDIATELY CREDITED!!!