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

My Social Security XXXX ( XXXX ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record. 
I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all. 
The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXX XXXX  XXXX '' or any other variations. This is the only accurate name associated with me. 
* Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me. 
* Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : * " XXXX XXXX XXXX, XXXX, NY XXXX '' * " XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, AL XXXX '' * " XXXX XXXX XXXX, XXXX XXXX, NY XXXX '' Moving forward, I wish to address specific discrepancies related to certain accounts : * XXXX XXXX  : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Balance : {$6800.00} ; Opened : XX/XX/XXXX. Despite numerous disputes, no corrective action has been taken, and this is my final attempt before pursuing legal action. I had to dispute an account where I was added as an authorized user without my consent, and it's inaccurately reported as accurate. 
* Bank of America : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ; Account # XXXX ; Owed : {$13000.00} ; Opened : XX/XX/XXXX ; and Account # XXXX ; Owed : {$12000.00} ; Opened : XX/XX/XXXX. I only had a checking account with them, not credit cards or loans. Negative checking account information should be reported to XXXX XXXX, not my credit report. 
It's worth noting that a breach detailed in an article ( https : XXXX ) is responsible for over XXXX XXXX stolen identities, as discussed. 
I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts appearing on my credit report from all bureaus that are reporting incorrectly since they do not belong to me. I have tried to dispute these items since XX/XX/2020 but each time they have no answer for me I opened an FTC report and reached out to the bureaus via phone calls but I am getting the run around and I feel like they are working on convenience and will not help me. I am at my wits end with this. 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2200.00} XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$2700.00} XXXX CARD - Acct # XXXXAmt {$3900.00} XXXX XXXX - Acct # XXXXAmt {$12000.00} XXXX XXXX XXXX - Acct # XXXXAmt {$2600.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX XXXX ( XXXX XXXX ) XXXX Balance {$120.00}
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX  XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Student loan

Hello, I am a recipient of the XXXX XXXX XXXX XXXX recently announced by the Biden Administration earlier this month. As one who qualifies for this discharge, my FFELP/federal loans with Navient are supposed to be paused until they can be discharged.

However, they remain in repayment, and I'm receiving calls and emails about missed payments. I've emailed Navient 's customer service about this issue, but I have yet to receive a response.

I have been assured that my FFELP loans should be on hold, but Navient 's silence on the issue has caused me a great deal of stress. 

Furthermore, I am a post-class member of the XXXX XXXX XXXXXXXX lawsuit, which determined that students who attended the XXXX XXXX ( and/or other schools on their list of fraudulent for-profit institutions ) would receive a discharge of all federal loans, including federally backed loans such as FFELP and FFEL. As a post-class member, my loans should have been placed on hold upon my borrower defense application 's acceptance in XXXX Navient has not acknowledged this application nor the terms that should have applied.
Product: Mortgage

My home loan has been sold to this company. Since then it had been a complete nightmare and is starting to ruin my life. As soon as their system was set up to make automatic paynents, I signed up. Regardless of this I have gotten collection call. I have NEVER paid even a day late. Today I got a notice from them in the mail staying my XXXX payment has not been paid. I have also gotten call after call for as they put it " welcoming me to the company ''. I want to be left alone!
Product: Debt collection

I received a letter from mandarich law group about a debt from XXXX XXXX XXXX that i do not recognize. They did not provide me the orginal purchase agreement or any contract bearing my signature that i owe this debt and they are reporting this inaccurate information on my credit file i will not pay a debt to someone that i do not owe. i ask that they provide me the orginal purchase agreement to verifiy that i actually owe this debt or remove this from my credit report they are in violation of the fair debt collection act by reporting this unverified account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint 1 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX  Account Number : 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: Debt collection

HI. Debt Recovery Solutions LLC- HOW ARE YOU? 

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

I received a letter from Capital Accounts requesting I pay {$900.00} to them covering a debt to XXXX XXXX XXXX. I stated that I needed a detailed statement in order to reconcile the details with my insurance companies and then attmept to pay the true debt. The letter stated that I should request in writing within 30 days to have the details. I then spoke to XXXX XXXX with Capital Accounts and he stated he 'd have me the details in 15 days. In 30 days I got a letter than it was being sent to credit reporting. I called XXXX XXXX and he said he could n't get the details from XXXX XXXX XXXX yet and I told him that I needed that prior so I 'd get it from XXXX XXXX and get back with him. The problem is that XXXX XXXX decided there were some charges that were incorrect and they resolved the data issue and was supposed to resubmit to Capital Accounts on XXXX XXXX 2017. I checked XXXX XXXX today and I 've lost XXXX points from this unfortunate horrible communication problem. XXXX XXXX XXXX claims they sent me 5 letters however I never got their letters, just Capital Accounts, the collection agency.
Product: Vehicle loan or lease

On XX/XX/XXXX I made a partial payment on my auto loan of {$360.00}, through my loan company 's online payment portal, PNC. I received my confirmation confirming my payment of {$360.00}. On Wednesday XX/XX/XXXX, my husband noticed through our online banking account that PNC has drafted {$1000.00} out of our account. I called and spoke with a PNC representative ( XXXX XXXX, provided XXXX with my confirmation number and the amount in which I paid. XXXX confirmed I had paid {$360.00} and informed me that PNC had implemented a new online banking system and there were still glitches with this system. He requested an expedited refund, provided me with a case number, and informed me I should have my refund of {$70000.00} by Friday, XX/XX/XXXX. There was not a deposit on Friday XX/XX/XXXX so I called PNC, and they reassured me that refund request was expedited and I would receive my refund by Monday. Today, Tuesday XX/XX/XXXX, I called PNC because my refund still has not hit my account. The representative informed my request for a refund has been denied, because if they refunded me the full {$700.00}, it would cause my payment to be delinquent. In all reality, my payment is not delinquent until XXXX- they stole my money and I would like my money back. I paid {$360.00} on XX/XX/XXXX and they took {$1000.00} - this is stealing, and this has caused repercussions with my account. Just because they are a bank, they should not be able to get away with this. They should refund me my money and pay for damages this has caused. They charge me with late fees, and they should be charged with theft by taking. I had to place yet another claim today and I am still without my money. PNC has stolen my money and they needs to be made right.
Product: Checking or savings account

I have not received my direct deposit. It is currently 3 days late, Ive called capital one several times attempting to report the issue but they just hang up. I am now {$200.00} overdrawn on my other accounts due to not receiving my direct deposit. I can not afford gas for my vehicle to get to work now and I am at risk of losing my job over this. Their website doesnt have an obvious place to report my concern and they havent done anything in the last 3 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX XXXX XXXX and Equifax more than 10 times. I have submitted the appropriate dispute documentation more than 5 times. They have refused to help. The hard inquiry is fraudulent, and the information that has been sent shows the appropriate documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor and XXXX and Experian continues to report numerous of inaccuracies from derogatory remarks, made on the account, remove and then put back on updating the status on the account from current to past due, and the status of the account this needs to be removed or updated immediately without the derogatory remarks, or late payments
Product: Debt collection

I the consumer received an illegal communication from PATENAUDE & FELIX A.P.C. on behalf of XXXX XXXX XXXX ( XXXX ), XXXX. In written form of a court complaint case # XXXX, about a consumer credit transaction in regards to an alleged credit card debt on XXXX for alleged sum of {$8200.00}, account # XXXX. In which I filed my answer to the complaint with the court on XXXX, and I also certified mailed with green return slip to PATENAUDE & FELIX A.P.C., in which they received my court answer on XXXX. In which I have proof of delivery by green return slip signed. The court date was moved from XXXX to XXXX, for PATENAUDE & FELIX A.P.C. claimed they did not receive my motion and vacated for later date, but I have proof they did receive my motion. I also received a communication from them on XXXX saying this alleged obligation is my responsibility after they conducted an investigation, but how can they investigate themselves if they are the ones conducting the fraud? If they conducted an investigation why cant they provide me with proof that this alleged obligation is my responsibility? That is a violation of 15 USC 1692b ( 2 ) not state that such consumer owes any debt. I responded in written communication back notifying them of a few of their multiple violations pursuant to 15 USC 1692, The FDCPA, which they received by notarized certified mail on XXXX. Which also included, request pursuant to 15 USC 1692g to validation of debt and pursuant to 15 USC 1692c ( c ) ( 2 ) as I am the consumer, and original creditor, invoked specified remedy for injuries incurred by both corporations. Which I have proof they received and signed for via green return slip. In return they did not respond or provide me with documentary evidence according to what congress defines as proof of validation, and none of the information I requested. They are actively engaging in multiple violations of my consumer rights and causing ongoing XXXX and XXXX  due to their willful disregard to my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them via telephone and in writing. They are reporting that I filed a recent bankruptcy in XXXX causing me to be declined and or pay higher interest rates. I did not file bankruptcy in XXXX. My ex husband filed in XXXX and I was by accident added by mistake. They quickly corrected the issue and closed the bankruptcy with me. My ex husband currently filed the bankruptcy and not me. The credit company has failed to correct this issue by removing the bankruptcy filed in XXXX by my ex husband. They fail to do anything with removing and its causing me to be declined bc of this error. Banks are looking that I filed bankruptcy in XXXX  counting it has a recent bankruptcy. However, there is no court order showing a discharge of this XXXX bankruptcy but I did not file one. They also fail to remove inquiries that I have in writing disputed. I have a fraud alert on my credit which makes a company have to go through steps to extend credit. The companies have never called me and I have never done business with them. The alert was placed due to my ex husband using my social security number. The same companies are running my credit every month without getting authorization from myself. The credit agencies as well failed to protect my credit account even with several telephone complaints and filing concerns and disputes in writing. This is an issue with all 3 credit agencies.
Product: Debt collection

Case : Number XXXX **Subject : Complaint Regarding False Proof of Service by Debt Collector** I am filing a formal complaint against Navy federal credit union for XXXX a proof of service in a debt collection case against me. I have video evidence clearly showing that I was not served at the time and location stated in the proof of service. This fraudulent act is not only a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), but it also undermines the integrity of the legal process. I request that the CFPB investigate this matter and take appropriate action against the debt collector for their deceptive and illegal practices. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just went to both Equifax and XXXX XXXX Websites to dispute the fraudulent account that was just placed on my credit report ( s ) by XXXX for an account that has been disputed multiple times in the past and removed, but apparently the originator has once again sold it to a different collection agency instead of removing it completely because it is fraud. This time I am also going to file a complaint with the MD   Attorney General 's Office of Consumer Protection. 

Equifax and XXXX, first please get your XXXX to fix your websites, so that, in the age of covid-19, people can file disputes online vs getting an error message to call a customer service number that is likely overwhelmed by lack of staff support. 

Second, the XXXX account is the account, as said above, that I have disputed multiple times and it was removed from my credit reports because it is fraud. Please remove the fraudulent account from my reports immediately. 

Stay safe.
Product: Debt collection

I, XXXX XXXX XXXX the individual consumer an natural person, did not give permission to NCB Management Services Incorporated to obtain my nonpublic personal information. This company are in violation of 15 usc 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 15 usc 1681q - Obtaining information under false pretenses. Any person who knowingly and willfully obtaines information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 usc 1692 b- Acquisition of location ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; XXXX  are in violation of 15 usc 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) ( B ) ( C ), XXXX did not clearly and conspicuously disclose to me that such information were being disclosed to a third party ; nor was I given the opportunity to opt out of my information being disclosed, before the time that such information was disclosed. Also I was not given an explanation of how I could exercise that nondisclosure option by XXXX agents. My right to privacy have been infringed upon.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report, and noticed the following errors are reporting on my consumer report : Inaccurate personal information, Unauthorized inquiries, and Inaccurate reporting on my XXXX XXXX and XXXX XXXX Account. Please investigate and update as they are causing adverse harm to my credit report and good character : A dispute was mailed out to the company certified mail ( XX/XX/XXXX XXXX # XXXX ) I have attached valid copy of Passport, Social, and utility bill with my current ant only address. The only address that should reporting is : XXXX XXXX XXXX XXXX XXXX, FL XXXX The following accounts which needs to be verified, updated and deleted are : XXXX. ) XXXX XXXXXXXX XXXX {$300.00} - Inaccurate Reporting. Update balance {$300.00}. Account has been PAID IN FULL. Unverified LATE PAYMENTS reporting. I request you provide of these alleged late payments. 

XXXX. ) XXXX XXXX Inaccurate Reporting. Update balance to {$15000.00} PAID IN FULL. 
Unverified XXXX LATE PAYMENTS reporting. I request you provide of these alleged late payments. 

XXXX. ) XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX - Unauthorized Inquiry XXXX. ) XXXX XXXX XX/XX/XXXX -Unauthorized Inquiry XXXX. ) XXXX XXXX XXXX XXXX XXXX - Unauthorized Inquiry 8. ) XXXXXXXX XXXX - XX/XX/XXXX, XXXX - Unauthorized Inquiry XXXX. ) XXXX- XX/XX/XXXX, XXXX - Unauthorized Inquiry XXXX. ) XXXX -XXXX  XXXX, XXXX - Unauthorized Inquiry 11. ) XXXX  XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX. ) XXXX XXXX- XXXX XXXX - Unauthorized Inquiry XXXX. ) XXXX XXXX- XX/XX/XXXX, XXXX Unauthorized Inquiry XXXX. ) XXXX - XXXX XXXX, XXXX - Unauthorized Inquiry XXXX. ) XXXX XXXX- XX/XX/XXXX, XXXX Unauthorized Inquiry Please see attachments sent to company. All letters have been sent certified mail and return sender. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In violation of 1 Section 604 15 U.S.C. 1681 B, Section 605 A 5 U.S.C. 1681 C-1, and Section 605 B 15 U.S.C 1681 C-2. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.