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

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX XXXX XXXX XXXX Showing 2 Different Account numbers along with a lot of other reporting inconsistencies clearly violates XXXX and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and XXXX15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

please see attached proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct XXXX XXXX etc. for two years now. I was notified by XXXX that I was on the dark web and that my identity has been compromised my Social Security number had been compromised I just received another notice of that on or about XX/XX/XXXX. I contacted them about them giving me extra security on my account I think freezes on my account I put alerts on my account nothing has been done by XXXX or any of the other credit reporting agencies theres like 30 inquiries that I did not do that is ruining my credit theres charges on there that I havent done and Ive disputed them again everything I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've paid for credit monitoring services with XXXX  for over a year and beginning XX/XX/20, I was unable to update my scores and reports with Equifax and XXXX. I contacted XXXX  with a help ticket and was in constant contact with them regarding this issue. They could not find an issue so I decided to contact XXXX  in order to receive my reports and scores from them. I confirmed my identity and was told that Equifax that I would not release my scores or reports as I did not have a valid credit file to release due to not having enough credit history or not having a long enough address history. When I contacted Equifax on XX/XX/20, I was told that they have no issues on their end and I show no freezes or blocks on my account that would prohibit a monitoring service from accessing my report to give to me. I was also asked to purchase their monitoring service for {$10.00}. I was then told after being transferred that their system was down. When I was transferred again, I was denied my request of speaking to someone that could fix the issue and told that everyone has the same access. They sent me a complimentary copy of my report and score as of today 's date, but still have not given me an answer as to why I can't get my scores or reports from any other monitoring service.
Product: Credit reporting or other personal consumer reports

Navient student loans have been in IDR for the past year... I have had no late payments on this loan until XX/XX/2024 when the company reported the account was 90 days past due. How is this possible? How do you go from one month paid on time to automatic 90 days late. Do this mark on my credit report it has made me unable to purchase a home. I have already suffered major loss. I reached out to Navient to ensure that my loans where in fact in forbearance and request that in writing as well. IDR plan has been reapplied for and awaiting approval.
Product: Credit reporting or other personal consumer reports

As a Federaly proteceted Consumer I ama now opting out of any and all Authorization ( s ) I the consumer may have give you written/Unwritten and Verbal or Non Verbal, Per 15 USC 6802 .

Under USC 522 ( a ) : The consumer doesnt have to furnish any SSN to any Authority other than an official Government Agency .

Under 17 CFR 424 any company that is under the SEC COMMISION or Contracted with is not allowed to to Solicit and ( or ) Commit Language fraud under this Law.

Under 15 USC 1681 Accuracy and fairness under this law has been violated.

Under IRS Publication 4681 any Charge offs are considered Income.

Income is not allowed to be reported upon a Certificate of In debtness under this provision of the Law.

It is illegal to report any and all Transictions or History under the Privacy act of 1974. 

Failure to comply will result Civil Liability for any and all Corprations in violations of these laws. USC 1681 ( N ).

All future Authorizations have now been Rescinded immediatly.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I looked at my credit report. I sent a letter to Transunion asking them to reinvestigate these account ; XXXX XXXX XXXX  number XXXX, XXXX acct number XXXX XXXX acct number XXXX, XXXX  acct number XXXX XXXX XXXX acct number XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct number XXXX. 

XXXX the XXXX, I was sent a letter stating that due to my dispute looking like it had been prepared by a XXXX party company, they could not continue with my dispute until I send them verification that it was me that send the letter. 

Im aware that 15 USC 1681, ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

TransUnion really didnt reinvestigate they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however, they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXX XXXX XXXX, XXXX account ending in XXXX. These include a 30 day late payment with NO POSTED DATE. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

Told them on phone this was place of employment do not call this company number. Calls 3 times a day every day. This is logged on my XXXX phone. I am XXXX and asked for letters by mail.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the + XXXXdata breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach. 
According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.
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 consumers rights to privacy and confidentiality under 15 USC 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 a account with out my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, DEPTEDXXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$3100.00}, {$16000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- STUDENT ACCOUNTS 3. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$16000.00} -This is not my account. 

4. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Product: Credit card or prepaid card

The account was opened on XX/XX/2021. My twin brother fraudulently opened a card in my name and spent {$1000.00}. Previously to this account opening, I received hard inquiries from SoFi. I have never heard of this company before and never applied for a credit card from them. I called them and they said they would cancel the card but they did not believe me when I said I didn't apply. I've already sent out a follow up letter to them and the three major credit bureaus. I filed a police report and a identity theft report FTC. He may have applied for the card in my name and made himself an authorized user without my knowledge. since he is a twin, his SSN is one digit off from mine. He has already stolen checks from my grandfather and father. He has charges being pressed against him. They reported this to the credit bureaus and my score dropped XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Inaccurate reporting of XXXX/XXXX XXXX XXXX multiple times with XXXX, Equifax and XXXX with no help. These are not my account. 

XXXXXXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late XXXXXXXX XXXX XXXX Last reported : XX/XX/XXXX {$2900.00} 120+ Days Late
Product: Student loan

My loan was for about {$30000.00} for XXXX school but the school went out of service about 10 years ago. I defaulted in XX/XX/XXXX after dropping out. In XX/XX/XXXX, my wages started to be garnished and had been garnished for the past 14 years and still paying. I had paid over {$50000.00}, since then, and still paying with balance of {$12000.00} left. Of the {$50000.00} paid, {$18000.00} has gone to the collection agency as collection cost. This is unbelievable since there is no end in sight. This means that the {$30000.00} loan is going to cost me {$60000.00}. Is this legal? Please help since my wages are still being garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been listed as a " potential victim '' in Equifaxes data hack. Time and time again, companies have underestimated the importance of data security, and time and time again, this has completely come at the expense of the average consumer. 

Instead, the Executive board is able to inside trade out their own securities before divulging their MONUMENTAL mistake, further damaging a market they have already destroyed. 

This company needs to be completely frozen and audited from the ground up, and no information should be processed through them until a proven process can be implemented. 

This is disastrous for potentially almost half of Americans and I hope this company receives this level of complaint from every last one of us.
Product: Checking or savings account

On XX/XX/2023 around XXXX XXXX I tried to deposit cash into a Navy Federal ATM. 

This was at an offsite Navy Federal ATM. 
{$540.00} was deposited into the machine and the matched stopped working. It went down and displayed an error message. The money did not come back out and no receipt was printed. 

Navy Federal manager XXXX said they ran an audit and do not show any such deposits made at this machine and no discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian in XXXX of XXXX and again In XXXX of XXXX when I noticed a wrong address in which I have NEVER used nor lived at EVER! 
I NEVER gave such an address or permission to use such address which is XXXX XXXX XXXX XXXX XXXX, LA XXXX I want this FALSE address REMOVED from my report. 
Again I have NEVER used or reported such address above I want this FALSE information removed from my report ... I have NEVER given any bank or company permission or such information above This Is NOT my address! Nor has it ever been Experian would not help me and would not remove this false information
Product: Credit reporting or other personal consumer reports

This is my third endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint against NAVY FEDERAL CREDIT UNION regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settle with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX XXXXXXXX {$350.00} XXXX  XXXX {$360.00} XXXX XXXX XXXX {$830.00} XXXX DEPT OF ED XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

I have become a victim of identity theft. I have filed reports with the Federal Trade Commission. There are recent inquiries on my report that I did not authorize. Additionally, I have two pending XXXX XXXX XXXX Settlement Claims due to the ongoing nature of my data being circulated for sale on the dark web. 

These inquiries are fraudulent and do not belong to me. Please remove them from my TransUnion credit report. Also, these inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XXXX XXXX, 2023 I send Notice for validation of debts. Pursuant 12 CFR 1006.34 On XXXX XXXX, 2023 the company request I send you additional information for this account # XXXX nothing in Fair Debt Collection Practices Act ( FDCPA ) says a consumer must send a debt collection company any proof of identification or information. 

they have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was victim of identity theft, somebody used my personal information and opened accounts on my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNIV ACCT SV XX/XX/2019 Inquiry This is an inquiry on my credit report that pertains to a student loan. Ive never taken out student loans therefore this inquiry is fraudulent and inaccurate. It is illegal to be on my credit report according to the consumer debt laws. I spoke with the company directly and they acknowledged tht it was a mistake and that it shouldnt be there. I spoke with XXXX  and they were not cooperative about removing this fraudulent inquiry.
Product: Debt collection

On Monday, XX/XX/XXXX, I spoke to an agent in regard to my account with the University XXXX XXXX. Even though I do not believe I am responsible for the debt, I have tried to dispute it gets denied. I explained what happened- that I medically withdrew from school and should not have an amount due. 

I decided to speak with an agent to see if we could come to a settlement, but he refused. I asked to dispute it, but he said that it wouldn't matter. I told him I would speak to the University XXXX XXXX, and he said they wouldn't deal with me anymore. I told him I am not responsible for the debt, and he told me they would get my money regardless- that they will take my money from my taxes or garnish my wages if I don't pay. 

I am trying to work with the company but they just will not. 

TOP can be used for delinquent student loans, but not for a delinquent account at a school. - his threatening is illegal and not accurate.