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

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX acct # XXXX, XXXX XXXX  XXXX acct # XXXX XXXX XXXXXXXX XXXX acc # XXXX and XXXX XXXX acct # XXXX, 15 U.S.C. 1681 SECTION 602 SECT A : 4 states I have a right to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. I am a victim of a data breach, and in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that these items be immediately removed from my credit file. 
Accounts to be blocked and deleted : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX YOU ARE ON NOTICE OF UP COMING DISPUTE with XXXX You equifax and XXXX are claiming validation when no one can get any documentation { wet ink signatures and the information enclosed } also address the HIPPA violation that XXXX sent to the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Spite years of efforts both transunion and XXXX have been impossible for me to upload identity theft victim documents through their portals. Although I understand they're apprehension I'm entering my complete information every time and it then does not allow me to dispute and correct information due to identity theft or fraud and that just can't happen. Since the XXXX leak in 2017 my credit has gone up and down like a roller coaster due to identity theft and I'm involved in the class action lawsuit for more than XXXX in damages with XXXX
Product: Debt collection

My name is  XXXX   XXXX , I have had my federal tax return intercepted along with my wages currently being garnished {$120.00} every two weeks. I have asked them repeatedly to assist me in at least releasing my garnishment and their response has been unhelpful. They need me to get evicted from my residence prior to qualifying me for a release of garnishment. I am a single mother of  XXXX  with no assistance from anyone. Although I understand this is my responsibility I have a bigger responsibility to my children and have to be able to provide a roof over their heads and this agency/company is making it increasingly difficult. I have missed w ork ( lost wages ) since I  have to seek government assistance for food stamps. I do n't understand how they would rather have me go on welfare ( reluctantly ) then to just release my garnishment and allow me to pay them monthly in return. They already took my refund for $ 7,000+ that was applied to my loan  (   XXXX  College already a issue ). I am in no way refusing to pay at this point but I basically have to make plans to get to the point of being evicted and finding a womans shelter for me and my children. This can not be what my government wants to occur or how the process is set up to work. Im an   XXXX   XXXX   at a   XXXX   XXXX   making {$ XXXX } an hour in the  XXXX   XXXX  area I get paid bi-weekly, I have  XXXX  little boys ages  XXXX  and  XXXX   years old an d I am the sole provider. Do the math Im going to be homeless because of this issue. I understand  XXXX  College is being sued and they wouldnt assist with that issue either just brushed my concerns and didnt answer my questions. I have escalated my situation to members of management and they insist that there is nothing they can do for me unless I get eviction papersEVICTION papers!! So their advise is to get evicted and become homeless with  XXXX  children living in the streets or shelter. I just dont understand how thats their advise or direction. There has to be something that can be done to help me other than just allow me and my children to get evicted. They have poor customer service skills dont help theyre almost rude and condescending when speaking with me like Im worthless debtor. I feel bad enough Im under serious stress and turmoil over this financial issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX CFPB, As you see they are playing games with XXXX XXXX i open a complaint on XX/XX/year>. they send this mail. attached to complaint. I am attaching notized documents and police report and which email you sent to me.I have attached all documents. 

XXXX action is need on Lexus Nexis if you can not i will go to FTC. I am not backing downXXXX  I lost my job because of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have being the victim of identity fraud
Product: Debt collection

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. account. Also you stated this account is reporting accurately, however, I see multiple discrepancies with my credit report, even after your investigation, so not only did you not provide me with the proper paperwork you lied about the information being correct none of your dates or amount match what you said provided to the other 2 credit bureaus if you continue to report incorrect, unverified and made up information I will be reporting this as I have a right to a correct and credit report I asked in the previous dispute you provided me With the information and I didnt receive anything only false updates on the accounts
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry that appears on my Equifax credit report. 

Below are the details of the inquiry in question : Report Number : XXXX Creditor Name : XXXX Type of Business : All Banks Date Inquiry : XX/XX/XXXX Report Number : XXXX Creditor Name : XXXX Type of Business : Bank Credit Cards Date Inquiry : XX/XX/XXXX Report Number : XXXX Creditor Name : XXXX Type of Business : Bank Credit Cards Date Inquiry : XX/XX/XXXX I do not recognize or recall authorizing this inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter with the entity that made the inquiry and remove the unauthorized inquiry from my report if it can not be verified as authorized. 

I am attaching a copy of my credit report, where I have highlighted the disputed inquiry, along with a copy of my identification to verify my identity. Thank you for your prompt attention to this matter, and I look forward to a resolution within the 30-day time frame mandated by law. Please feel free to contact me if any further information is required. 

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

I've disputed a few inquiries that I don't know about and never received a response from Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I reached out to experian via in regards to my experian membership account. I am NOT able to see all XXXX bureaus under my PAID membership with experian. 
Experian advised me that my XXXX credit report " has no record of my personal history or different personal details. 
Experian advised me that I need to send in my XXXX credit report to verify the information is the same as experian. 
On XX/XX/2022 I emailed a hard copy of my XXXX report to experian to resolve the issue and EXPERIAN still wont fix the issue. i have been hung up on in my face by supervisors. Everytime I call in they just keep transferring me to different and the same departments. They keep submitting escalation tickets and closing them out without fixing this issue, they are stealing my money and not giving me the services Im paying for. Please help i have no where else to turn.
Product: Credit reporting

On my credit report the account with XXXX XXXX XXXX was opened XX/XX/XXXX. As of today this has not been removed from my credit report. The 7-year clock starts ticking 180 days from the date XXXX month and year ) of the XXXX missed payment that led to charge off, collection, foreclosure or repossession. 
" The 7-year ( credit reporting ) period referred to in paragraphs XXXX 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. XX/XX/XXXXc ( 1 )
Product: Debt collection

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XX/XX/XXXX, Attorney General and FTC
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax, and department of educationXXXX is in Violation of Family Educational Rights and Privacy Act ( FERPA ) .
Product: Credit reporting

I received a copy of my credit file and enclosed is an account list under XXXX for XXXX which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative event listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX $ I expect that you will provide verifiable proof as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. 
Sincerly XXXX Last 4 of SS # XXXX D.O.B
Product: Mortgage

I am under a legal forbearance with the cares act with my mortgage servicer home bridge financial services. My forbearance does not expire until XX/XX/XXXX. However, since the inception of this forbearance in XX/XX/XXXX, I have been receiving harassment collection calls from home bridge demanding payment. The calls come from an automated system and a live person. The calls come in every other day. The latest collection call was today from the phoneXXXX. I complained to management about these collection calls multiple times and homebridge stated they will stop the collection calls. However this morning the collections manager stated that the collection calls need to done every month. While on the call, they ask you if you are occupying the property, if there are any damages to the property and that if we have any intentions to occupy the property. These questions are questions that relate to a foreclosure and not a forbearance. I demanded that these collection calls stop immediately or I will report them to CFPB and the FTC and state attorney office.
Product: Debt collection

I am not aware of these collections. I am a victim of identity theft.
Product: Student loan

On XX/XX/2024, I called Navient Customer Service to find out information about the School Misconduct Discharge Application. At the time, I was told that my account needed to be reviewed and would be sent to a special team that handles the misconduct applications. The representative stated that within XXXX weeks, I would receive a letter giving me instructions on the next steps in the process. I called Navient again on XX/XX/2024. The representative claimed that they had sent out a XXXX XXXX XXXX XXXX to me on XX/XX/XXXX. I never received this form. The representative said that she would put in a request for a new form, which is to be sent out on XX/XX/2024. Because I didn't receive the first form, I have little faith that I will receive a form from Navient at all. 

I had printed out the XXXX XXXX XXXX XXXX from the website. When I called Navient on XX/XX/XXXX to ask for the address to which to send the application, the representative stated that the application had to be the one sent out by Navient. They will not accept a form printed out by me. They would not give me the address for form submission. The representative said that the address will be provided in the packet with the discharge application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several attempts to ask credit bureaus to fix a simple with an account with XXXX XXXX They continue to report this account late, and have shown late for several months. The account says payment not due until XXXX/XXXX/9999. I was under assumption I had until XXXX/XXXX/9999 to make payments. They havent told me or mail me anything stating anything different. Credit bureaus has ignored my response and continue to report this account inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

I understand that failure to investigate these accounts Within a period of thirty days will result in " non-verification '' which requires that the above accounts be immediately removed From my credit File.

I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 168lid ) and 16811 - requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter. look forward to hearing from you soon. 
XXXX XXXX XXXX XXXX
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX, XXXX. # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
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 without 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 or other personal consumer reports

On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX because my XXXX  XXXX XXXX XXXX would not give me a auto loan due to the fact that XXXX  XXXX is reporting that I had a co signer and that the balance was still due. The account that I had with them was years ago and paid off in XXXX or XXXX. When I contacted them the rep was very rude and told me to contact the credit bureau to have them remove the account off my credit. I asked for a supervisor and she stated that my account was indeed paid off and nothing else was due and that she will send me a email stating the account is paid off and will be deleted since the account was old. When I received the letter it only show that the account was paid off. I disputed this account with transunion which took more than 30 days and the account is still present and nothing was updated. I disputed several accounts with them and sent proof that the accounts were paid off and informed them of the company pay to delete and the accounts are still present on my account. - [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email will be sent tomorrow. 
- [ ] 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 still has paid accounts listed in collections and did not remove them as well as transunion, and XXXX. All of these companies have agreed to remove off my credit report and to allow 30days. Well it has surpassed 30 days and I have disputed with all three Credit bureaus and not receiving any progress.
Product: Student loan

I was not properly notified that my student loan repayments were to begin. I regularly monitor my credit score, and discovered that my accounts were overdue when my score dropped roughly 150 points on XX/XX/19. I did not receive any correspondence via mail or phone, and due to the wording of their emails, they were sent directly to my spam folder, which I do not check. I immediately paid the amount due on XX/XX/19. When I called and spoke to a representative today, XX/XX/19, I was told that the credit report could not be removed despite inadequate notification and my prompt payment. I understand that issues with communication arise, however, my credit score should not be negatively impacted by this.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Good morning, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/2024 and noticed some things still on my credit that are incomplete and not accurate. I received a letter from the creditor with an inaccurate balance, and they did not do the proper investigation, I would like this account removed or deleted, because its hurting my credit score & ability to get credit, and according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 1681s-2 they are suppose to 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: Vehicle loan or lease

On XX/XX/XXXX my car was repossessed for {$900.00} last due. I've had the car for over 4 years and I've had a 100 % on time payment history. I just had a baby last month and have been out of work so I'm financially struggling. I've tried refinancing with no luck. The car is currently broke down and they want the full amount which is almost {$1300.00} ( {$900.00} past due, {$360.00} for the repo fee, and about {$300.00} of late fees ). I bought the car in XXXX for {$16000.00} with a 24 % APR. I should've had the car paid off already but with that high APR I'm still making payments. Id like to find out options to help with these scammers, its not right what they're doing!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here are the list of account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.