23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account XXXX : XXXX XXXX XXXX : Account Number : XXXX And XXXX XXXX unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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: Debt collection

We purchased our home in XXXX and we had XXXX loans, a first and a second with XXXX XXXX. In XXXX our mortgage was transferred to XXXX  XXXX XXXX as a result of a crash in the housing market. When we reached out to XXXX  of XXXX about the loans, they indicated that they were only aware of the first loan and that we no longer need to worry about the second as it had been charged off. Since the second mortgage was still showing up on my credit, I reached out to the debt collector ( XXXX ) that was listed in XXXX. In XXXX, I sent them a letter to remove the debt from my credit report and they responded in XX/XX/XXXX. 

XXXX - XX/XX/XXXX, responded that account closed XXXX XXXX and we are no longer liable for debt and no balance due. reported to all credit bureaus and the tradeline was deleted. 
XXXX - XX/XX/XXXX, received another letter stating that servicing of our loan is being transferred to SLS effective XX/XX/XXXX and they will be collecting payments and they will stop effective XX/XX/XXXX. 

So I reached out to Specialized Loan Services stating that this loan had been charged off and that no balance was due. On XX/XX/XXXX, I received a letter stating that they are new loan servicer.On XX/XX/XXXX, I received another letter stating amount of debt and outstanding fees owed. For the next few years SLS continued to send statements stating that we owe them even though nothing was on our credit and no title had been on file with the county stating them as a lien holder. 

In XXXX we refinanced our house with XXXX XXXX XXXX ( XXXX ). The loan officer asked ( via email ) if we had a second since something came up and I told him about the situation with XXXX and asked him if that needed to be paid off since they were trying to collect a debt that had been closed. The loan XXXX stated that title and escrow couldnt find anything and we were cleared to proceed with the refinance. 

In XX/XX/XXXX, we started receiving multiple phone calls about our house being in pre foreclosure and XXXX had filed a Notice of Default on behalf of SLS and that we needed to pay or they would foreclose on our house. I went back and forth with them and XXXX and the title company to see who was liable and how is this possible. We also were recently served by XXXX listing us and the second lien holder in their suit to stop the foreclosure process and stating that we did not disclose the second at the time of refinance which is not true. We have filed a claim with the Title company ( XXXX XXXX ) and they decided they were not at fault. We do not know what to do but we want to keep our house but the timeline is short to save it and we can not afford to pay this nor a lawyer.
Product: Checking or savings account

On approximately XX/XX/year> I noticed a unauthorized ACH purchase on my JP MORGAN CHASE account ending in XXXX. I contacted JP MORGAN CHASE and opened a claim under claim number XXXX and was at that time issued a credit for the fraud to my account for approximately {$750.00} dollars. On XX/XX/XXXX I noticed that JP MORGAN CHASE reversed the credit issued for the fraud to my account and withdrew approximately {$750.00} from my account ending in XXXX leaving my account in negative and charging me for purchases I never authorized. I contacted JP MORGAN CHASE and was informed " MY CLAIM WAS CLOSED FOR NOT FILLING OUT AND RETURNING A ACH STATEMENT OF DISPUTE FORM THAT WAS MAILED TO ME ON XX/XX/year> '' I at that time informed them that " I NEVER RECEIVED ANYTHING IN MAIL FROM THEM '. I was informed that " I NEED TO GO INTO BANK TO GET COPY OF FORM AND SEND TO THEM '. As of current JP MORGAN CHASE HAS NOT REFUNDED ME FOR THE FRADULENT CHARGES TO MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts with this company each month made payments on atleast XXXX when checked consumer report they had me down for late payment XXXX  months in a row reached out with no luck. Then the harassment started afraid to answer my phone they were calling me XXXX or XXXX  times a day. So I had to make a payment.. I have over XXXX calls in a XXXX day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and have had several fraudulent credit card accounts opened in my name with companies : XXXX XXXX-OPENED-XX/XX/XXXX-BALANCE- {$9500.00}, XXXX XXXX-OPENED- XX/XX/XXXX-BALANCE- {$17000.00}, XXXX XXXX XXXX- OPENED- XX/XX/XXXX-BALANCE- {$8000.00}. There are also 2 fraudulent credit inquiries resulting from the crime as states : XXXXXXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for this fraudulent credit card account to be opened in my name. The address on file does not belong to me, the accounts where not authorized to be open by me, and Ive been a victim of identity theft for over a year. The XXXX police department deemed these fraudulent accounts as fraudulent credit card accounts, and it is documented with the XXXX police department that, Im a victim of identity theft. There is also a address on my credit file reporting that is a fraudulent address as well in which, I never resided at the address listed. I have that address listed on my FTC/IDENTITY THEFT REPORT as a fraudulent address as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up these fraudulent accounts in the consumers name used the consumers personal information to have the fraudulent accounts opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with these creditors. Im not going to be liable nor responsible for fraudulent credit card accounts being opened in my name as if, Im the one that applied for these fraudulent accounte. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming these accounts as fraudulent accounts, and these accounts need to be deleted/removed off of my credit files asap. These are not my accounts, and I shouldnt have to deal with an issue as such. I need assistance with having these accounts removed off of my credit files, and out of my name immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified back XX/XX/2017 that XXXX XXXX was fraudulently opened in my name and reporting to my credit reports. I am a victim of Identity Theft and immediately put a fraud dispute in with a copy of my identity theft police report with all 3 credit bureaus '. Equifax is the only bureau that has yet to remove XXXX XXXX from my credit report due to fraud. According to Equifax, XXXX XXXX is verifying an account with my name, address, DOB and last 4 of SS. That is all information that could be used when one is a victim of Identity Theft. XXXX XXXX has been notified that this account is due to fraud and was never authorized by me to be opened. XXXX  XXXX has failed to provide a contract with my SIGNED signature showing proof that I am the one that authorized this account to be opened. I have an open BBB complaint against Equifax and against XXXX XXXX. I have also filed a CFPB complaint against Equifax. I have sent another copy of my Identity Theft police report certified mail to XXXX XXXX along with a 609 letter. XXXX XXXX is inaccurately reporting a fraudulent account to my credit file & because of this inaccurate information, I have been denied credit for a home as well as other credit that I'm trying to obtain. This account needs to be removed from my Equifax report immediately due to me not authorizing the account to ever be opened and it was done as a result of me being a victim of Identity Theft. XXXX XXXX is providing verification to Equifax that an account does exist using my name, address and DOB. However anyone can easily access that information on the internet and or phonebook. By law to validate this debt is actually mine, XXXX XXXX needs to provide an original contract with a signed signature by me. For the last 6 months, XXXX XXXX hasn't been able to provide an original contract with my SIGNED signature, therefore XXXX XXXX   is in violation of FCRA section 609 ( a ) ( 1 ) ( A ). XXXX XXXX needs to immediately remove this fraudulent account from my Equifax credit report or I will pursue all legal matters if necessary to enforce my rights under the FCRA.
Product: Vehicle loan or lease

Subject : Complaint Regarding Incorrect Account Reporting, Violation of 15 U.S. Code 1681e and 15 U.S. Code 1681i Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an account inaccurately reported on my Experian credit report. The reporting company has failed to comply with the Fair Credit Reporting Act ( FCRA ), and their actions may also violate IRS regulations regarding debt forgiveness.

Details of the Issue : The account in question was sold, transferred, or charged off. However : 1. The account remains negatively reported on my Experian credit report, in violation of 15 U.S. Code 1681e, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

2. Despite my dispute, the company has failed to conduct a proper reinvestigation as required under 15 U.S. Code 1681i.

Additionally, because this account was charged off, the creditor was required to issue me a 1099-C for canceled debt income under IRS guidelines . Instead, they continue to report the balance as a negative item on my credit report, which constitutes double reporting and is inaccurate. If the account was sold or transferred, the original creditor no longer has a legal right to report the balance.

Harm Caused : The inaccurate reporting has negatively impacted my credit score, which has affected my ability to secure loans or credit at reasonable terms.

I have also been unable to file proper tax documentation due to the lack of a 1099-C for the charged-off debt.

Supporting Documents : I am attaching my Experian credit report highlighting the account in question. Additionally, I am happy to provide any further information necessary to assist in resolving this issue.

Thank you for your time and attention. I look forward to your assistance in ensuring compliance with the FCRA and IRS regulations. 

Sincerely, XXXX XXXX.
Product: Student loan

My Name is XXXX XXXX, Navient has been taking care of my loans. After having issues making the payments that they were asking of me which are $ XXXX monthly. I 'm a single father of XXXX there 's no way that I could pay this amount. They did n't provide me any other choices. They also lied to me various of times. if my payment would be around XXXX I would be able to pay but they are not willing to work me, because of this my loan my default. This will ruin my life. I wanted to know how I could be part of the Lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I pulled my Consumer credit file from EQUIFAX, and immediately noticed several violations of the Fair Credit Reporting Act. I reviewed my consumer credit profile thoroughly and noticed several Unauthorized Inquiries, accounts, personal information on my report. First I like to state that I NEVER gave EQUIFAX permissible purposes to report anything to my consumer credit file. Pursuant to 15 USC 1681b ( a ) ( 2 ) which states a consumer reporting agency can not furnish a report without the written permission of the consumer. The Fair Credit Reporting Act as codified at 15 U.S.C.-1681, which stipulates that a consumer report shall not include specific faction information on a consumers credit record. The Fair Credit Reporting Act ( FCRA ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. There were no PERSONAL INTERVIEWS done with any of my neighbors or associates. The incorrect information on my credit file has damaged my reputation, caused mental anguish, including anxiety, depression, and lack of sleep. I can not get certain employment opportunities because of the violations throughout my credit file. I can not get approved for my home, and it's affecting my relationships with my family, friends, and associates. This company has ruined my life.
Product: Debt collection

I have had a XXXX come after me for years for a bill on an old property I once had. I never had XXXX and have sent off necessary disputes to have it removed from my credit file. XXXX will remove the account but months or years later they sell the same collection bil with my information on it to another collection agency and then I have to dispute it again. I have requested a letter from XXXX confirming the debt is not mine. They have agreed to send it to me but have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Navy Federal XX/XX/21 I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 
I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business
Product: Checking or savings account

Opened Citibank checking account inXX/XX/2020with a promotional bonus of {$400.00} for meeting deposit requirements and maintaining a {$15000.00} account balance for a 60 day period. The terms of the offer is the money will be deposited within 90 days of meeting the requirements. It has been almost four months and no monies have been deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrongfuly evicted undermultiple TN codes for " failing to maintain ''. summoned twice. records are showing 4 cases, all are showing open-unpaid. 

The law says the landlord isnt due money. 
The accounts were PIF. The lawyer refuses to state the client was paid in person 12mos ago. 

The company and corporate offices refuse to answer summons by XXXX XXXX ( XXXX ) counrthouse. 
The courthouse refuses to answer appeals and casde information and in fact plays XXXX.I have an active supoenae, unanswered by the courts. 

This has prevented me from gaining lawfully maintained units repeatedly, as has unlawful unrequested file freezes and blocks I previously didnt ask for. My mail was repeatedly stolen and not forwarded. I have filed fraud charges w XXXX pd, XXXX pd, and IDT.gov. companies do not care and report the slander anyways. same goes for my other credit accounts. information provided from companies is not accurate. I was never late and I hired upright law on retainer for chXXXX, which nobody wants to abide by. 

companies were told to notify upright. upright was in charge at said time for nine months last year.If I have to, ill hire another firm and pay cash for the case to enforce compliance, but my credit will reflect accurately the true nature of my credit- not what people are claiming. 

multiple companies are refusing to comply w fcra law. This is a felony act. I have filed multiple demands for correction over the past 12 mos to no avail.I have hired XXXX XXXX  and other organizations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection showing up on my credit report for an apartment I never lived at. Attached are the documents required to submit and process my claim. The bureaus have become increasingly difficult to deal with. I just want this nightmare to be over. I noticed the collection in XX/XX/2019. Not sure if its because of XXXX data breach or not
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted Experian through the mail, asking them to update the information on my credit report with no success at all. They just keep ignoring my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/22
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve these issues since XXXX until now XX/XX/XXXX with no real response to how did they verify the accounts and no change. I wrote to the United States Bankruptcy Courts on XX/XX/XXXX and they responded back that they do not report cases to credit agencies. I also wrote to XXXX several times and they have resolved and removed the Bankruptcy reporting off my report. I sent the proof to all of the credit agencies : XXXX, XXXX and Experian and they are stating validated, I have sent at least 3 letters and twice by certified mail. In the letters I asking how did they verify the accounts and please send me a copy of my credit report and I received no answer nor a no letter, just an email from XXXX, with Validated. This is unacceptable, unprofessional and very irresponsible on they're behalf with the timeframe of 30-45 days and no letters with the answers and they are not even answering my questions. I need them to revisit the investigation, research, review and advise me with 30 days how did they verify this information and if they can not in writing Remove the items IMMEDIATELY from all credit reports and send me a updated credit report. Thank you.
Product: Debt collection

On XX/XX/2018 and XX/XX/2018, I have requested proper validation from Convergent Outsourcing stating I wanted some type of contract between myself and the debt collector stating that I am legally liable for this debt and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. It has been long past the 30 day period this debt collector has to funish such information.
Product: Credit card

I am an XXXX driver and had a skimmer device steal my XXXX Fuel Card information, resulting in 3 fraudulent charges. After almost 3 months, XXXX still refuses to investigate the disputed charges or credit me for them. 
When I got gas at a station on XX/XX/2017, it said my XXXX Fuel card transaction was declined, so I had to put it on my own visa card. The station was XXXX, CA. XXXX. However, the XXXX charge later did in fact go through to my account in the amount of {$51.00}. Then on XX/XX/2017 two more bogus charges appeared on my XXXX gas card in the amounts of {$47.00}, and {$140.00} for stations I never went to. Also a third bogus charge appeared on my personal visa card in the amount of {$95.00}. A fill up only costs me about {$50.00}. I suspect that a card skimmer device stole my information on both cards. 
I reported the {$95.00} fraudulent charge to XXXX who immediately reversed the charge, blocked the card, and issued a new one. I also reported the other two fraudulent charges to XXXX 's card processor, Regions Bank, via phone, who said they could not do anything and all fuel card matters must be handled directly by XXXX. So I reported it in the XXXX on XX/XX/2017 and received a message about 24 hours later saying an investigation would be concluded within 5 days. After 6 days I contacted them and was then advised of technical issues preventing them investigating the charges or allowing them to block the card. I was finally able to cancel the card myself about XX/XX/2017 by finding a cancellation button on the XXXX website. 
As of this date, the fraudulent charges are withheld from my wages and no investigation has been started. I have attempted to communicate several times with XXXX to resolve this, however, as of XX/XX/2017 they still have done nothing citing technical issues. I feel that they are just stalling me with excuses and wish to make me responsible for the fraudulent charges, in violation of regulation Z of the Fair Credit Billing Act, and possibly California Labor Laws, which prohibits employers from deducting such damages from employees ' wages.