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

Experian is willfully and knowingly reporting fraud because I supplied Experian proof of FTC reports and notarized identity theft affidavit. All negative remarks found on my credit report are a violation of the FCRA and FDCPA when they can not furnish the validity of the remark. 
I recently received my Experian dispute results. The accounts that I requested to be removed due to identity theft were in fact NOT removed. At this time, I have no choice but to invoice Experian for violations and damages. I sent a certified letter with all of the necessary documentation included. I provided a notarized Identity Theft Affidavit, my official reports to the Federal Trade Commission and proper proof of my identification. In another certified letter ( Tracking # XXXX ) I also sent subsections of the FCRA ( Fair Credit Reporting Act ) Experian is in violation of! 
Pursuant to the FCRA, EACH VIOLATION is {$1000.00} Per violation per occurrence. 
Per pursuant identity theft within 4 days these accounts should have been blocked and deleted from my consumer report per federal law. My certified letter ( tracking # XXXX ) was delivered on XX/XX/2023 at XXXX. However, it is now XX/XX/2023 and the accounts have not been removed.

This is a direct violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance.

You are in direct violation of 15 U.S. Code 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} XXXX violation per occurrence. Listed below are the violations I am invoicing for : XXXX ( a ) ( d ) ( XXXX ) ( A ) ( i ) - {$1000.00} XXXX XXXX Code XXXX - {$1000.00} XXXX ( a ) ( b ) - {$1000.00} XXXX ( a ) ( XXXX ) - {$1000.00} XXXX ( b ) - {$1000.00} XXXX ( XXXX ) - {$1000.00} Listed below are the damages I am invoicing for : Experians assumption has negatively affected my life in many ways. 
I have experienced a deep amount of XXXX XXXX  and emotional suffering. 
I have been unable to access credit, which is my XXXX given inalienable right. - {$6200.00} TOTAL AMOUNT DUE FOR ALL VIOLATIONS AND DAMAGES : {$12000.00} Please BLOCK AND PERMANENTLY REMOVE ALL ACCOUNTS THAT I SENT WITH MY NOTORIZED IDENTITY THEFT AFFIDAVIT!
Product: Vehicle loan or lease

On or about XX/XX/XXXX. I refinanced my auto loan from XXXX XXXX to Navy Federal. 

XXXX XXXX was supposed to send title to Navy Federal in XXXX. I received a call from Navy Federal in XXXX saying they did not have the title and could not finance unless the title was received. 

All money went to XXXX XXXX. 

Navy Federal then said they would contact XXXX XXXX to get the title. 

Fast forward to XX/XX/XXXX. The loan was paid off at Navy Federal and in turn a home improvement loan was done where the vehicle was used to secure that loan. 

At the time I agreed to the loan, I was told they would send me the title and I would then send it back to them, so they could be the lie holder. Why didnt the representative state at that time that Navy Federal did not have the title. 

Today ( Saturday XX/XX/XXXX at about XXXXXXXX XXXX ) I spoke with XXXX and a person named XXXX who said he was a supervisor. 

XXXX was rude XXXX and basically said Navy federal never had the title. 

How is this legal? How can you loan money on a vehicle without becoming the lienholder? 

XXXX then said Navy Federal has no responsibility to get the title back in XXXX nor today. Told the customer to figure it out basically. 

At the time of the new home improvement loan, I was told I had 90 days to get the paperwork they were sending out to me back to them. 

Its been months and since I never received the paperwork I called today and spoke to XXXX. Aweful Customerservice.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Debt collection

This account was opened fraudulently and I contacted XXXX themselves and they removed the account from there data base after they had already sent it to collections. This was supposed to be removed from the database.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/FORTIVA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was last year a buddy of mine told me about XXXX to XXXX told him I was trying to build my credit up and I havent been able to and now I sign up for XXXX and they raise my credit up to XXXX then they bring it down I mean two months ago I had no credit score now all the sudden I got a credit score I dont get it I think its a sick joke being played on me I wasnt born with a silver spoon in my mouth I dont have a cosigner so I cant get credit appears to be the case and I paid Lexington law probably got over {$600.00} and I live with the week I will make a lot of money and a lot of the stuff I see is false
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted off my consumer report. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer ; XXXX XXXX Enhanced Recovery Co L, XXXX. XXXX, XXXX, XXXX XXXX XXXX.
Product: Debt collection

The Covid 19 Pandemic destroyed me personally as well as my business. I never requested any free money through the PPP program or through unemployment insurance payments. My business was shut down, out of business for XXXX full years. Your financial institution received millions of dollars for offset losses from either PPP funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a 1099C in exchange for the write-off. I see no other way out of my situation other than a XXXX  XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted information in regards to inaccurate information being reported on my credit report. I was also informed by the US Bankruptcy Court of Chicago that they do not report any information to the Credit bureaus in regards to a consumer. I ( the Consumer ) haven't given any written permission for anyone including Equifax, XXXX and XXXX to report any of the items listed in this report on my credit report according to 15 US Code 1681B therefore my character as a consumer has been violated and tournished. There was no proper investigation taken by no credit bureau to verify this information and it has been more than 6 months since I first reported it. PLEASE REMOVE FROM MY CREDIT REPORT OR I WILL HAVE TO TAKE FURTHER ACTION. THIS IS AGAINST THE FCRA AND MY CONSUMER RIGHTS ARE BEING VIOLATED. I WILL IN ADDITION REPORT THIS FRAUDULENT ACT TO THE XXXX AS WELL.
Product: Debt collection

I had a loan with CONNS XXXX XXXX. I had gotten a loan for furniture for an original balance of XXXX XXXX I had paid them from XXXX of XXXX until XXXX of XXXX. During all that time my original balance never changed. I attempted to contact them to resolve issues and always would. Talk to a rude abusive customer service representative. When I was late I would get constant calls at all times of the day. The calls would frequent from calls every other day to every 3 days. When I didnt answer or told them to stop calling me and that I didnt have the money at the moment and would pay it in a couple days when I got paid or would be willing to return the merchandise and pay the fee they got aggressive with me and werent willing to work with me so I told them I was just going to deal with it being charged off with a different agency since I knew I would actual be able to pay it down instead of my money disappearing they not only continued to call me but started calling my work. The emails would frequent just as much as the calls. Once it got close to it going to a collections agency I started getting emails saying it was in pre-legal status and then legal status. Finally my account was charged off and given to a collections company however I recently started getting emails saying they pulled it back temporarily and I should pay them ( This was yesterday XX/XX/XXXX ) When my account finally charged off and closed. There was a balance of XXXX $ despite all the payments made from XXXXnow the balance never went down it only was more then the original. Also each time I disputed the dates in which I was late it changed. When I would receive phone calls initially I was more than willing to work with them. However if I was busy and I said I would call them later to resolve the issue, the mitigation/ customer service rep would aggressively yell at me to pay and give them my card info. During the year of XXXX I was in XXXX and had a hard time making payments due to lack of service so I was making them as much and as soon as possible however they would continue to berate me during the phone calls. I would also like to state I never received any paperwork at any time in the mail or in writing. I would have had no problem dealing with them if they hadnt contacted me so aggressively, actually applied my payments to my account instead of pocketing it and didnt make calls to my work ( Im in the military so the office phone gets answered by anyone in office so they embarrassed and harassed me in front of my co workers. ) I shouldnt have to argue with a representative in customer service about calling later to resolve an issue if I dont have the time at that current moment.
Product: Credit reporting or other personal consumer reports

Penfed continues to report incorrect information to credit bureaus. I never had an auto loan with Pentagon federal credit union. The fraud issue was addressed in XXXX. The credit department at Penn FED identified the problem and promised to remove this charge off. The charge off was cleared up with only XXXX XXXX XXXX. Penfed forwarded the fraudulent account to XXXX collection companies. This is not my account. last Penfed fraudulently connected my name to is XXXX XXXX XXXX. I am requesting this be removed from my credit report. XXXX XXXX XXXX  has been advised that this is not mine. but constant harassment. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Student loan

My account was obtained by 5 different services who altered the amounts borrowed the dispursementvdates and my repayment agreements. They forced defaults and treasury offsets were requested using fraudulent documents. There were additional loans I didn't ap I rove and the loans were consolidated without my knowledge. There are no promissory notes and my contact information was changed so they were unable to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Transunion on XXXX occasions regarding some inquiries that I have found on my report, which have been causing damage to me as a consumer. After several attempts, they have not deleted them. Therefore, I am escalating this matter to you, the CFPB, with confidence that you will be able to properly assist. I am seeking to have the following inquiries deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. These inquiries were not made due to a firm offer of credit, to obtain insurance, for employment, or by a court order per 15 U.S. Code 1681b. These are also a non-account holding inquiries. Please remove the above inquiries as I believe to the best of my knowledge that the companies listed did not have permissible purpose to pull my credit.
Product: Student loan

I received a loan from Higher Education with my parents as co-signers. 6months in XXXX ( I believe )! after I finished school my co-signers got a notice that I was late on my monthly payments and they needed to pay. I contacted Higher Ed and said i the primary ( living at the same address as my parents ) never received any notifications to start payment or how much my monthly payment would be. They said I know what I owe, so I should just pay it. i borrowed $ XXXX. It felt like they expected me to pay it upfront. Next month I never received any bill again but my parents received a second notice. I called, emailed, and hand wrote letters to them asking to please tell me what I owe monthly and to send ME the primary a bill. Again, they never did and their phone customer service wouldnt tell me again what I owed. I later got the first contact from them saying my loan was in default and being sent to a collections office. I felt like that wanted this to be the case so they would get a large sum upfront. The lawyer they sent the loan to was not willing to work with me. They told me to get a personal loan to pay the student loan off, or borrow $ XXXX from a friend. I was XXXXyr old I didnt have $ XXXX to pay upfront. Also told them If I had a friend that would lend me $ XXXX I would have never gotten a loan. I payed large sums of {$2500.00} and monthly payments of {$170.00} for 9 months with the verbal agreement they would contact the credit bureau to say I was making good on my loan and help my credit score a little. They never held up their end of the deal and in fact later said that is something they couldnt even do. I lost my job in XXXX and got XXXX shortly after. I couldnt afford to send my children to child care and my mother became XXXX, I had to declare bankruptcy, I currently live with my parents and take care of my mother and children. I contacted the lawyer recently and was told they would not allow me to make payments. They wanted a large sum to cover the loan. I could only afford to make {$50.00} a month and that wouldnt even cover the interest accrued every month. The lawyer asked why my father wouldnt send money since he is working and I explained he is the sole provider in a house of XXXX, there is no extra income he can give. I was told so hed rather pay other things instead of this collection I explained the mortgage is important, would you rather us default on the mortgage? I have other student loans with different companys as do my parents and we have never defaulted on any of them. Im at my wits ends. My credit is destroyed and my parents credits are affected as well. I dont know what to do anymore.
Product: Mortgage

I am filing a complaint against the loan service company BSI Financial services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XXXX XXXX. I believe they are committing fraud by delaying the processing of checks and not depositing them in a timely manner, resulting in late payments to the consumer. 
My bank is authorized to automatically send a check each month to BSI on the XXXX of each month. The bank states that physical checks are taking more than five days to reach their destination so I am diligent in having them send it out to be received by the XXXX  ( at the latest ) of each month. In XX/XX/2022, the bank issued BSI a check on XX/XX/XXXX ; BSI did NOT process the check until XX/XX/XXXX resulting in a late charge which I disputed and it was subsequently waived with my bank 's intervention. In XXXX the bank sent BSI a check on XX/XX/XXXX and BSI did not clear it until XX/XX/XXXX. I called BSI and they claimed that was when they received the check. They will not waive the late charge on this even though I spoke with them ( XXXX? ) on XXXX XXXX. 
Somehow even with the new USPS standard for first class mail taking 5 days or more 15 days for a mailed check to clear is unacceptable. Prior to XX/XX/2022, BSI seemed to have been receiving and clearing the physical checks in a timely manner. 

I would like the CFPB to -investigate BSI 's current practice, to protect other consumers - ensure my credit has not been affected by these false late charges, - intervene on my behalf to BSI and have them waive my late charge.
Product: Debt collection

XXXX is a 3rd party debt collector who bought the debt and is now suing me for a debt I did not have a contract with them. I feel I do not owe them anything. The amount being sued for {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My account from WELLS FARGO was paid already and they don't have any reasons to keep reporting it. Also this inquiry from XXXX on XX/XX/2022 was not authorized.
Product: Checking or savings account

My checking account with PayPal was compromised. There were XXXX fradulent charges on XX/XX/year> made to " XXXX XXXX '' ( {$890.00} in total ). I was never notified by PayPal of these charges. I only found out because on XX/XX/year> I had to make an online payment and my payment was denied, so I logged into my account and noticed the unauthorized charges took nearly all my money. I immediately reported the charges online. The very next day my case was denied by PayPal. It was an automatic rejection. Their logic was that " I had enough money to cover the charges so I would have known my balance and that means I did it '', which makes zero sense. I called PayPal to appeal my case and request my money back. I filed a police report with my local police dept. I wrote an affidavit proving that it was fraud. I submitted those documents to PayPal. I called Paypal multiple times and always got the run-around. They sent me a partial provisional refund. But then they still denied my case again. I've already canceled my debit card and refuse to activate my new one. I moved my direct deposit to a different bank.
Product: Student loan

On XX/XX/2018 at XXXX PM EST, I called Navient 's Private Student Loan customer service center ( XXXX ) to change the billing date of the auto pay for my XXXX private student loans currently in repayment. The XXXX loan payments total {$270.00}. The Navient representative I spoke with told me that they would submit a request for the date change, and that the new billing date would be effective for my XXXX billing period. They told me it would take a few weeks for the new date to be reflected on my online account. I waited several weeks, but then on XX/XX/2018 at XXXX XXXX XXXX I received a reminder email from Navient about my bill, in which the auto pay dates had not been changed. I contacted Navient via phone again on XX/XX/2018 at XXXX XXXX, and was told that the billing date change would not take effect until XXXX. I requested to speak with a supervisor, who repeated the same information, saying the date could not be changed until XXXX now. Thus, on XX/XX/2018 I was provided false information regarding the status of my loans, specifically involving the dates of the next automatic deductions from my bank account. This is a reoccurring issue, with Navient repeatedly providing false information to borrowers, including myself on numerous occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had our mortgage with Wells and were looking to refinance to a lower rate and 15-year Mortgage. Wells could not match the rate from another provider, so we left. About 2 or 3 weeks ago we received a call from a person from Wells mortgage office, or so they said asking about us refinancing. We said we already did. next thing i know there is a hard inquiry on my credit report form Wells. I never authorized or applied. I am disputing it. But was wondering why Wells would do that.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.