23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I tried to contact the company by phone to explain to them i never open this account and they hung up on me over the phone i never applied for this loan when i seen my credit report and a call from them about i owe them that's why I'm disputing this account no knowledge of this account at all anyone can go online and open accounts up in people name and don't have knowledge of it therefore i ask that this account be remove from my credit file and not be held liable for this account.
Product: Student loan

I have contacted Navient in regards to lowing the amount to allow me to repay my student loans. I only make {$40000.00} which then taxes, health insurance, and child care is then deducted. The only payment that they are seeking is XXXX per month and this does not include my federal loans. I am unsure what I should do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfair reporting of credit scores by including scores that have been paid off as not paid off. Student loans included in score, however the loans were paid off when President Obama paid off student loans for XXXX recipients. Car loan charged off and car resold they are reporting it as full amount owed and still open. When capital one got a hold of my credit information through applying for a Walmart store card. They are using unfair practices to keep me from getting approval of any credit. Reflecting low scores on my credit report because of their dishonest practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting on my credit file as a result of identity theft. The following items are not mine : Names : XXXX Names : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX  - Bal : {$0.00} ( Equifax and XXXX  ) XXXX - XXXX XXXX XXXX  - Bal : {$1300.00} ( XXXX, XXXX, Equifax ) UNKNOWN - XXXX - BAL : {$75.00} ( Equifax ) XXXX XXXX - Bal : {$1000.00} ( Equifax ) XXXX XXXX - Bal : {$0.00} ( XXXX and Equifax ) The following late status is incorrect. Please remove the following inaccurate late reporting from the following accounts : XXXX XXXX - I was never 30, 60, 90, 120 days late XXXX  - I was never 30 days late Unauthorized Inquiries : 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

I have new and updated information, SPRING OAKS CAPITAL admits to furnishing information on my consumer report that it knows or should know to be inaccurate. This account is in a charge off status meaning the alleged debt was canceled, therefore SPRING OAKS CAPITAL should have sent me a 1099 C so that I may report this canceled debt as income, pursuant to the IRS instructions. I, consumer, have never received a 1099 C from SPRING OAKS CAPITAL. Therefore this is not only violations of the FDCPA, but Tax Fraud as well. SPRING OAKS CAPITAL is reporting income, which is inaccurate information on my consumer report. If SPRING OAKS CAPITAL fails to honor my demand in removing this information from my consumer report, I will take it as the violations are willful and noncompliant of federal law and IRS tax instructions and I will seek further remedy such as reporting SPRING OAKS CAPITAL to the IRS for tax fraud and further legal action as authorized by the FDCPA
Product: Debt collection

I am disputing a debt with STEEL RIVER SYSTEMS , LLC and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that STEEL RIVER SYSTEMS , LLC has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA.

I am filing this complaint to request assistance from the CFPB in ensuring that STEEL RIVER SYSTEMS , LLC provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently opened a XXXX credit card under my name. I did not open any new accounts or have my credit checked. I contacted XXXX and they closed the account. I told them to remove that fraud from my credit report. I then disputed the fraud on my report with all 3 credit bureaus and XXXX twice now just says they verified the account information. It is not me and i want this fraud removed ASAP
Product: Debt collection

I returned all XXXX equipment and changed carriers now I am getting calls from diversified collectors saying I owe XXXX XXXX plus dollars
Product: Debt collection

On XX/XX/XXXX I requested a copy of my credit report and I noticed I had a collection account being reported by AFNI , Inc. in the amount of {$660.00} previously owned by XXXX XXXX XXXX which does not belong to me. I wrote several letters and XXXX  now reports that this account is mine. I was in a XXXX XXXX  in USA since XX/XX/XXXXand there is no way this account belongs to me. This has affected me adversely since I am trying to clear this matter and it still continues to report on my credit report. I wrote to AFNI, Inc and XXXX including evidence that I was incarcerated during these periods.
Product: Credit reporting or other personal consumer reports

My son got a message today stating that I was getting served papers. I didn't know what it was about, and we listened to the message. The person said that they are with the XXXX XXXX XXXX for XXXX XXXX, NC, and they said that person with a birthday of XXXX was to be served in so many words. The person left a number and so I called it. The person that i spoke with was so rude and ugly about an account that I have no knowledge of. The message said that the Indigo card company has been trying to settle the balance and that they were on there way between XXXX and XXXX to serve papers to me, but I got no calls on my number, and I don't give out my son 's number at all, but they got in contact with him. She also said it was an account that was from XXXX, and i remember I also had a XXXX XXXXXXXX credit card, but this was after XXXX. She was too busy popping her tongue and being rude. The person on the voicemail was only doing there job and said the number that needed to be called, It was like a game to the women who I spoke to. to figure out what was going on. Apparently, I am being sued for something I have no knowledge of. I filed a police report as well since I had no knowledge of someone having my information and getting an Indigo card. They told me to call back if they arrive here at my home.
Product: Mortgage

I have a mortgage with Loan Depot ( account No. XXXX ) for a property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX and despite repeated attempts by my insurance provider, XXXX XXXX, at XXXX XXXX, via phone ( XXXX ) and fax XXXX XXXX XXXX XXXX XXXX, this company is refusing to respond to paying for the impounded insurance in a timely manner. 

I have written to this organization and my husband has called the escrow company with whom we worked when we were refinancing the property with Loan Depot earlier this year and no one is responding. 

I have reservations about this company since when we were refinancing the property, they also sent us via e mail loan documents for an entirely different person. The phone number for XXXX XXXX is XXXX XXXX XXXX XXXX. Its address is XXXX XXXX XXXX XXXX New Hampshire XXXX Your help in getting this resolved would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 23 inquiries and a chapter XXXX from XXXX  Alabama with Experian. I have done my research and suggest Experian do the same. Over half of these inquiries were done online and in Alabama. This is the letter Experian sent me. Let me share this i flew to Alabama to see a investigator in refrence to Fraudulent Activities on my credit report. As a result somebody in Alabama did this. At the time i was there i visited the court house in refrence to this matter. The clerk advised to call the reporting credit bureau .they didnt report. Experian see my cards from detective in Alabama .Please remove these inquuries and chapter XXXX immediately. I have Nevada id from XX/XX/2012 to present. Unless my name is XXXX. There is no earthly way i reside in 2 states and work a full time job in Nevada for over 5 years. Final attempt before i hire a attorney and file suit. For damaging my credit.
Product: Checking or savings account

I opened a checking account with Valley bank on XX/XX/year>. After over a month of the account being open they sent me an email saying that they were going to close the account due to my XXXX report and to call the XXXX company for information. I called into Valley and asked for more info and just got told " XXXX out to chexsystems for more info. '' XXXX is not going to be able to tell me anything about Valley Bank 's business decisions. I was not given any information or communicated with as a customer. As of right now my account is still open and I am still a customer until my account is closed next Friday XX/XX/year>. I would understand if I was never allowed to open it in the first place but I was notified over a month in. There was also a sign-up bonus of {$400.00} associated with this account if {$7500.00} was direct deposited within 90 days of opening. These were the terms, " The one-time {$400.00} reward will be credited into your account within 30 days after : ( 1 ) the qualifying direct deposit requirement has been satisfied and ( 2 ) the account has been opened for a minimum of XXXX  days. Reward may be reportable as taxable income. '' I have met that direct deposit threshold. It honestly feels as though they are closing my account in bad faith before the XXXX period so they can avoid paying this bonus. 

Link to the account is below XXXX XXXX XXXX
Product: Checking or savings account

My card was used fraudulently on XX/XX/XXXX by someone else without my permission I assumed it might have been a friend of mines daughter that did it because my purse was left in her vehicle while I was hospitalized i later confronted her and she denied it was her and said her car was burglarized and vandalized so she doesnt know who used my card either therefore i made a claim with Wells Fargo and disputed tge transactions I was put on the phone tgree days before XXXX with a guy I could barely understand what he was saying I had a horrible time hearing him I had to have him repeat himself multiple times throughout the call and I tried explaining this situation to him he canceled my card and refused to issue me a refund for the stolen unauthorized transactions that were used on my card he told me to take all the people I suspect to court to get my money back I currently have XXXX and I am XXXX this is insane i humane and horrific behavior towards myself I cant imagine what I am going to do Im stuck inside my home quarantine due to XXXX and can not use my debit card because my card was canceled and no refund will come or is going to happen, I need the money that was stolen from me returned to me ASAP I need an apology and better communication between the bank and myself here it is three days until XXXX I have XXXX  and can not leave my home yet I can not purchase anything online because my card was used fraudulent and canceled by the bank and they refuse to refund me the stolen money because they said I need to take the suspects to court well I do not know the person that stole my card and first assumed it might have been my best friends daughter but after I confronted her she denied this and stated her car was broken into so it was an unknown person I need my money back
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on deferment for XXXX as indicated by the letter sent from the company. However, they will not remove a late payment on my account
Product: Credit reporting or other personal consumer reports

The following accounts are not mine I demand all fraudulent items, and inaccurate addresses, be removed and blocked from any future reporting. I am a victim of identity theft I notice several addresses and fraud accounts reporting on my credit report. I demand these items be removed and never returned. Failure to comply or remove will result in a major FTC, CFPB, and consumer act lawsuit including defamation. The law states all fraud information must be deleted from my credit report. I demand all blocks from fraud and future reporting be added immediately. I've been a victim of identity theft and have decreased my credit by over 100 points due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX placed an invalid, unverified, fraudulent and illegal inquiry into my Experian credit report without me authorizing their organization to view my credit history.

This is a violation of Federal Law. XXXX XXXX is knowingly reporting false information to Experian.

This inquiry is NOT MINE, nor was it authorized by me, and XXXX XXXX has failed to verify it. Their actions constitute fraud under both Federal and State Laws : -Violation of the Fair Credit Reporting Act -Defamation of Character I am disputing this inquiry, through both the CFPB and the XXXX.

I've asked for verification. They failed to supply verification.

This inquiry is negatively affecting my credit report and score due to this company 's false reporting.

I contacted XXXX XXXX and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE.

Since they do not have my authorization, written nor verbal, I demand that they DELETE this unauthorized and illegal inquiry from my credit report immediately as there is NO EVIDENCE OF ANY AUTHORIZATIO

N, NOR ANY PERMISSIBLE PURPOSE. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction THAT IS INITIATED BY THE CONSUMER. Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiry is unauthorized : Made by : XXXX XXXX Made on : XX/XX/2019 Made with : Experian The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that this unauthorized inquiry be removed immediately.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) 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 of 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 file 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. Please remove the following item ( XXXX ) from my report, immediately : Account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover credit card my limited was {$4000.00} i always pay recurring from my bank account I have balance pay off never use the credit card for some reason credit get increased notice when login my account noticed discover continues taking money monthly call discover ask way continue taking money if pay off my balance customer service say the have very high balance I try to explain is impossible because a pay complete total amount with my tax. Customer service person said my credit was increased new car was send to my address never revive new card ask for investigation person send me new car never use this investigation went to south XXXX court district discover never presented to court day. XXXX and XXXX hotel send me letter apologize my information was Sposed never think some use identity moved get letter need to present to court. I try to login to my discover account to print my statement approved to see whenre this charged was made discover remove my access denial my privilege to login into account. I ask if that my account a have Right to get stamenst see what happen, I call discover multiple times asking for send me by mail old statement begins to the end was denied to send to me. Only need to pay the balance I submitted XXXX and XXXX nothing get resolved
Product: Debt or credit management

Dates fall XXXX including fall XXXX and fall XXXX to XXXX. These individuals provided poor services and charged for the visits. These were dental visits.
Product: Credit reporting or other personal consumer reports

REMOVE HARD INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FOR TRANSUNION XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Equifax Credit Bureau has violated my rights under FCRA by not providing my credit report as requested. I have requested my credit report for approximately 2 weeks, with the most recent date of XXXX XXXX XXXX, and have been unable to obtain my report. Equifax has further violated my rights under FCRA by evading my efforts to dispute identity theft/Fraudulent account XXXX XXXX XXXX with CFPB by knowingly and continuously reporting said account with its reporting agency. Equifax has continuously tried to evade dispute with CFPB and is liable under FCRA because it required that I furnish information to them before investigating my dispute in an effort to impose obstacles to deter submission of disputes with CFBP, Equifax has further violated my rights by not diligently investigating my dispute against XXXX XXXX XXXX and removing identity theft fraudulent account from its reporting agency.
Product: Credit reporting or other personal consumer reports

My business partner 's brother, XXXX XXXX XXXX XXXX open XXXX business credit card accounts using my personal information. I had no knowledge of this until my credit monitoring service ( XXXX XXXX ) alerted me of the negative account. I contacted XXXX XXXX and XXXX, XXXX and Experian to have this matter resolved. It still has not been fixed. MY business partner contacted his brother and asked him directly if he indeed did take out business credit cards in my name. He admitted to it. I will be providing proof of that conversation as well as a copy of the FTC report. There are also fraudulent inquries listed on my credit report account info : XXXX Account Number : XXXX
Product: Credit card

XXXX report late payment after discussing with them that I was not aware that I have any balance with them. They told me that a membership payment was not receive. I told them that I was sure that my balance was XXXX and that I didnt know that I have a membership. During that conversation I paid the membership and they reporte to the credit agencies as well. XXXX XXXX XXXX. My name is XXXX XXXX. Ss XXXX