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

Experian continues to report fraud information on my report despite numerous attempts to make them understand that they are not mine. My maiden name was XXXX XXXX XXXX XXXX and I found out that my Now late father had opened numerous accounts using my information without my knowledge. I have sent Experian a police report, a FTC Identity theft report copies of my marriage license to show my name change my drivers license my Social Security card proof of address and still these remain on my report. 

The three fraud accounts on my report are XXXX XXXX XXXX XXXX XXXX XXXX I dont know at this point how I could be any more clear with them and they do nothing
Product: Checking or savings account

XX/XX/XXXX -- Called into said bank, requested a wire transfer for {$200.00}. Representative asked me some basic details, name, address, last 4 of social and date of birth. Rep confirmed that the wire transfer would go through successfully. 
Hours later, I received an email and they requested me to call back. Bank said that they sent me a letter, labelled " Affidavit of Identity '' -- wanted me to spend money to get said document notarized and mail it back -- at the time, I was out of state on an emergency so I could not complete it. 
Between XX/XX/XXXXXXXX  and XX/XX/XXXX -- Called back into said bank multiple times to request issue to be escalated, said bank said that they will not be able to do anything until the bank account I had linked with them, who is external, can be verified. Bank requested to send external-bank statement via snail mail, to which I have refused. Spoke between a few different representatives, one managed to get my account off the affidavit hold and re-initiate a wire transfer to said external-bank. Received a phone call next day, said bank wanted to do a three-way call with external-bank [ who is a XXXX and does not have a phone number ] and could not verify my account. Call ended with " close my account and send a check to the address on file. '' to which, the representative did not follow said request as of XX/XX/XXXX. 
XX/XX/XXXX -- Account is still open, called in and inquired about it and said bank said that they could not verify the external-bank and that the only option to get account verified was to send in a bank statement from external-bank, to which I have refused again. Said bank now refuses to close my bank account until I send in a bank statement from external-bank.
Product: Credit reporting or other personal consumer reports

I applied for a loan consolidation of my student loans that was approved and consolidated in XX/XX/XXXX, during that process they were also transferred or sold to EdFinancial Services. I applied for the XXXX XXXX XXXX that was also approved in XXXX of XXXX. I reached out to XXXX and they stated it would take some time to update and be deleted from my report. I received an email from them in XXXX, I received a letter from them in the mail XXXX XXXX stating my loans were XXXX percent discharged and would be removed from my credit report within XXXX days. I reached out to the company again and spoke with someone who stated her name is XXXX, I asked her why is my loans showing a balance double from what I originally owed in student loans which is XXXX now your records shows over XXXX. I noticed they were showing my original loans before they were consolidated as well as the consolidated loans. She only kept stating it takes longer to discharge consolidated loans. I was put on hold several times just to keep getting told the same thing over and over it takes time. But according to the letter it stated XXXX days which is basically false information. Now my credit report is showing as if I owe on multiple loans that should be removed by now. Ive attached a document showing when my loan was with the first servicer as XXXX it was transferred to XXXX in the amount of XXXX but they are telling me I have a balance of XXXX and they discharged some other loans and removed them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, XXXX, XXXX and Capital One and XXXX XXXX  on XX/XX/XXXX. To this date i have not received a response back regarding the fraud listed on my credit file. 

The collection listed on my file is fraud and should be removed as it is causing hardship with my life plans. I the consumer should not be suffering because of identity theft. 

According to the consumer law 15 U.S. Code 1681c2 states that a consumer reporting agency shall block the reporting of 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 by such an agency. 

1. XXXX XXXX - 08 Capital One Bank USA N A XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : -Company 1 : Portfolio Recovery Associates XXXX amounts {$980.00}, and {$1000.00}. A certified letter was sent to them dated XX/XX/22. 
-Company 2 : XXXX XXXX XXXX {$4600.00} and {$3800.00} -Company 3 : XXXXXXXX XXXX {$1000.00} XXXXCompany 4 : XXXX XXXX  {$1600.00} - Company 5 : XXXX XXXX XXXX- {$21000.00} 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 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

XXXX please reopen this case. 
It is not solved. 
I responded back! 

The debt is not mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XX/XX/year> To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 


You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Late Payments * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

For the past few months, I have tried to correct and fix my credit reports, which non-responses or cliche responses from the credit bureau. Because of the credit bureaus failure in responses and corrective actions, it has caused harm towards me and my family financially. I am sending this complaint to exercise my rights to fair credit reporting, pursuant to 15 USC 1681. Equifax, XXXX, and XXXX are credit reporting business agencies, who have the duty to protect consumers privacy. According to the XXXX XXXX Rights and Privacy, it states that credit reporting agencies have a duty to protect the privacy of student education records, also pursuant to 20 USC 1232g ( b ). Furthermore, according to 15 USC 6801, it states is the policy of Congress that each financial institution ( to include, banks, credit agencies, governmental agencies i.e child support ), courts, etc ), has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. Current policies further state, that the credit report should only show credit transactions, which exclude judgements, liens, and loans that can not be classified, on the basis of a contract. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c, pursuant to 15 USC 1681e. Equifax, XXXX, and XXXX are failing to uphold these laws, and in that are causing harm, violating my protection of due privacy. Their actions have violated federal laws in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against the consumer, pursuant to 15 USC 1691 ( C ). They have further violated my rights, pursuant to 15 USC 1642, 15 USC 1681M and 12 CFR 1002. Each Bureau will assume civil liability pursuant to 15 USC 1691 ( K ). These agencies do not have my consent to furnish this information on my credit report, and thus, I opt-out of any of information that has caused me harm from being reported on my credit report, pursuant to 15 USC 6802 ( b ) ( c ). The reporting of student loans, child support, and inaccurate information has led to adverse actions against me, causing financial harm and personal harm to me and my family.
Product: Credit reporting or other personal consumer reports

XXXX has violated many consumer rights, in engaged in insurance fraud, deceptive practices and unjust enrichment. XXXX has sent letters asking to settle the matter, the most recent in XX/XX/XXXX, but have not responded to faxes sent to multiple departments and phone calls to the departments mentioned in the letter. XXXX has ignored financial instruments intended to settle the account in XX/XX/XXXX. XXXX has ignored IRS Fiduciary form 56 sent XX/XX/XXXX, to settle the account. XXXX has ignored UCC1 ( # XXXX ) and UCC3 ( # XXXX ) filing in Washington State and mailed directly to XXXX in XX/XX/XXXX. XXXX reported a loan balance of {$0.00} between the months of XX/XX/XXXX and XX/XX/XXXX on the consumer 's account. XXXX filed insurance claims and collected monies on account XXXX in XX/XX/XXXX, yet continues to try and collect on the account, directly from the consumer ( as of XX/XX/XXXX ). 

XXXX has reported CHARGE OFF status with the credit reporting agencies, yet refuses to send the tax documents ( or any for that matter ) stating that it has been charged off. 

XXXX has given, without permission, the consumer 's information to multiple parties ( violation of XXXX USC 1681 ( a ) ( 4 ) who have since violated consumer rights, harassed the consumer, including the consumer 's friend 's and family. Harassment and abuse are covered under 15 USC 1692d and 15 USC 1692g. 

XXXX have allowed assigns to file lawsuits, in XXXX XXXX, Kentucky. The contract specifically states that the laws of Washington State shall govern the contract. 

The consumer continues to be railroaded and ignored while XXXX effectively pursues unjust enrichment off of the consumer, between the securities created, payment from the consumer, cashing out on an insurance claim and attempted collection of the XXXX XXXX XXXX XXXX. Is a tax exempt, non profit organization allowed to do this? How can one organization claim to be not-for-profit, hold tax exempt status and collect on one contract several times? This has been documented in many communications with XXXX and XXXX has not rebutted any of the claims. 

On their website, XXXX states they are a " not-for-profit, member-owned cooperative ''. They hold a not-for-profit and tax exempt status with the IRS. 

In a letter dated XX/XX/XXXX XXXX has been urged to make this right with the consumer, but as of XX/XX/XXXX they have yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my consumer report in which are unfair and inequitable to me the consumer. I never gave Equifax my written consent to furnish any information on my consumer report on my behalf. The banking system is dependent upon my credit report being fair and accurate. These accounts are inaccurate, and unfair to me as the consumer. Please see the attached letter and report for the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I spoke with XXXX @ XXXX XXXX she told me her employee number was XXXX. I notified her that these accounts ARE NOT MINE and they are furnishing fraud on my account. Accounts are incorrectly reporting as open, account showing delinquent when they are not, my non public information was shared to non affiliate XXXX party companies without my written consent who received a profit and I did not, credit inquiries from unknown sources, improper use of my credit report, identity theft plus more. 
XXXX ) XXXX  ACCOUNT # 'S XXXX & XXXX ( THIS ACCOUNT IS NOT MINE ) Charge off account, reporting a balance of {$420.00}. The reason this XXXX account has XXXX account numbers is because it is reporting different across all three bureaus. Experian, XXXX and XXXX. This account does not belong to me as I told the sales rep. 
XXXX ) XXXX ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ), NOR DID I HAVE A DRIVERS LICENSE AT THE TIME OF THIS FRADULENT CAR LOAN. I called the company and ask them to verify this account was mine by sending me the contract and they notified me that they didn't have a contract nor did XXXX, Experian or XXXX verify this fraudulent account before they furnished it on my credit report. They did not exercise their grave responsibility to protect my privacy nor did they have my written consent to place this on my credit report. 
XXXX ) XXXX XXXX  ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) comments on credit report state that this is CHARGE OFF ACCOUNT reporting a balance of {$8900.00} and the dates opened and balances are reporting different across all three bureaus. XXXX, XXXX, And Experian. 
XXXX ) XXXX XXXX  ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) This charge off account is reporting a balance owed of {$640.00} XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) This charged off account is reporting a balance of {$4500.00} XXXX ) XXXX XXXX XXXXXXXX ACCOUNT # XXXX ( THIS ACCOUNT IS NOT MINE ) This charge off account is reporting a balance of {$4000.00} These fraudulent account are causing me and my family harm. I am unable to purchase a home because of these accounts being furnished inaccurately and not going through any verification process nor having my written consent to be furnished.
Product: Vehicle loan or lease

My Auto Loan was with Kia Motors Finance company Acct # XXXX Original Loan Amount {$19000.00} Paid Off on XXXXXX/XX/2021.Vin # XXXX On XXXX, XXXX I Contacted the company about the Title. I was sent a Letter Reflecting that the Balance was paid in Full.. I was advised that Due to the Virus it would take longer to get the Title.. Once again I contact the Company XXXX XX/XX/2021 about the Title.. This time they Informed me that the Title was Sent..I Explained that I NEVER received the Title... .I Ask when was IT SENT AND where!!! The Employee stated that it was Sent to my Home back in XXXX I then Ask why wasn't the company Aware of that back in XXXX, and that I had been Calling for Months.XXXX On XXXXXX/XX/XXXX I received a letter..The letter states as following : Please accept this letter as Verification that Kia Motors Finance No longer has a Interest in one.XXXX XXXX XXXX XXXX Model : XXXX! XXXX This Kia Motors company has been given me the Run around for Months!!! Where is My Auto Title??? The company has Acknowledged that I OWN the Auto.. We shouldn't have to Track/Pay for a New Title.. Please Assist me with this Matter..
Product: Student loan

I made this month {$640.00} in payments to this loan which should have more than paid the interest and they added nearly {$500.00} to the interest so now even with the payments my interest which was XXXX is now nearly {$1000.00} This is not the interest rate they claim to be charging even before this as they were claiming 5 % and not this but they add the payments to what I owe instead of reducing them. I should have at least {$200.00} on the principal but they do not even show the {$200.00} payment
Product: Student loan

I got a loan to attend school, it was through Navient, I paid a little on my loans, then things happened and I needed a little more time, spoke with Navient and they told me they would let me go several months with no payments and it wouldnt hurt me, thats all they offered to me, then I never heard from them again! Tried to contact them, couldnt log in to my account! Finally here I am, almost 5 years later my account is no longer with Navient, its in collections, I owe about 4500, and I dont feel I was treated well, or given fair options to pay back my loan! This is hurting my credit and Im now at risk to having my paycheck garnished and taxes offset! Im very upset! I didnt even know my loans were not with Navient anymore!! The collection agency is XXXX XXXX XXXX XXXX
Product: Debt collection

This collections is still being reported on all 3 credit agencies and I want it removed immediately. I have sent information and will upload it again. I would like for this company to send me the XXXX that should have been filed if this debt was charged off as it sates on my report. I will act under law if this information is not provided or if the information is not taken off my 3 reports. Its tax fraud and I will be filing a complaint with the irs if this isnt removed are furnished. 

Dollar bank took my XXXX XXXX  XXXX stimulus payment in 2021. His first XXXX stimulus payments was a paper check, so why would it go to an acct that closed more then 4 years ago? They never returned it back to the irs. We filed a XXXX. From the money they took cleared my debt with them.
Product: Debt collection

On XX/XX/20 Speedy Cash charged my checking account in the amount of {$2100.00}. 

I obtained a payday loan last year in the amount of $ 900ish dollars. I never paid it back or attempted to contact them which was a huge mistake on my part. 

The collection agency " XXXX XXXX '' stated I owed Speedy Cash {$1300.00} for the payday loan, and the interest accrued for non-payment resulted in the amount of {$2100.00}. 

I called Speedy Cash and XXXX XXXX to let them know I could not afford to pay the full amount they deducted from my checking account at this time, and requested for them to work with me but both parties refused. I requested a refund for the interest they charged me for non-payment, and even offered to make arrangements to pay the interest back but they refused. 

I did not agree with the amount of interest I owed them and asked for an explanation on how the interest accrued to close to {$800.00}. They stated it was in the contract I signed. I explained to them I didn't have the contract, and requested for them to explain it to me but they stated they didn't have the contract in front of them. They indicated I would need to submit a written request for the contract by mail or fax, and they would fax or mail but it would take some time. 

Please, help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Possible breach into my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, Wednesday XX/XX/2023, EQUIFAX has not updated information on my credit report. I am attaching to this conplaint screenshots of the information on my credit file, which is old information. A few days ago, I received notification that my FICO score dropped XXXX points!!! This should not be the case!!! My creditors have sent EQUIFAX mail via USPS and fax to report that my balances should reflect XXXX balance!! I pay all my creditors in FULL each month!! I carry NO balances from month to month!!! I owe no monthly dollar amount to any of my creditors!!!! 
My FICO score should have already gone up by MANY points!!! After many phone calls and faxes to EQUIFAX, I have only received dropped calls, disconnected calls, no connecting with supervisors, and complete AVOIDANCE of my concerns!!! 
As a consumer, I am LEGALLY entitled to ACCURATE information on my credit report. I shouldn't have to utilize the intervention of the CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) to help me RESOLVE and CORRECT the INACCURATE information on my report!! My FICO score should have already risen by MANY points!!! This is unfair!!!
Product: Credit reporting or other personal consumer reports

Upon review of my XXXX XXXX XXXX report, I discovered there were XXXX checking and savings account transactions as well as XXXX status history transactions reporting from Navy Federal Credit Union without my consent. I contacted Navy Federal in regards to this matter and requested them to provide me proof that I agreed to them reporting these transactions and they couldn't provide me anything. I also requested to opt out of any reporting to non affiliates such as XXXX XXXX XXXX XXXX which they denied my ability to opt out. Pursuant to 12 CFR 1016.10 ( a ) ( 1 ), You may not disclose any nonpublic personal information about a consumer to a non affiliated party unless you have provided initial notice to the consumer as well as notice to opt out with a reasonable opportunity before disclosing the information to a non affiliate. These actions constitute a violation for willful non compliance under 15 U.S.C. 1681 ( n ) in which damages are XXXX per violation per the FCRA. Navy Federal is also in violation within their own privacy policy terms in regards to disclosing my non public information to a non affiliate XXXX party. I'm requesting the removal of all transaction history items from the XXXX XXXX XXXX report as well as civil liability for willful non compliance in the amount of XXXX  per transaction ( XXXX transactions ) = XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a compliant ( XXXX ) on XX/XX/23 in reference to this account being reported to my consumer report without permissible purpose. Understanding that I've never provided my " written instructions '' to you or any furnisher to furnish anything to my consumer report, im demanding that you send me a description of the procedures used to determine the " verify '' this account pursuant to 15 USC 1681i ( a ) ( 7 ).