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

I contacted XXXX to obtain my free credit report. 
( Had already received one from XXXX with no problem. ) First via their website. I gave them all the pertinent information IE Social Security number, Birth date etc. After filling in all their questions I was declined with a : We are unable to confirm your identity .... 
I called and requested the report and answered their questions IE. SS # Address etc Then they asked me about a car loan and some other financial questions which I did not recognize ... .They declined my request and put me thru to a live person I told them what happened and they said I had to Fax my id and social security card. 
I said I did not have a fax number and could not afford to pay to fax the documents but I could upload them and asked for an email address. 
He said there was only one way to do it and that was by fax. 
This seems highly discriminatory considering this could have been solved with email. 
Why I can not upload this on their website does not make sense. 
I need my report so I can see what, if any, negative information is on it. 
I am who I say I am. 
If you need any information to confirm that just let me know and I will be happy to give it to you. 
I have XXXX and MXXXX XXXX. 
I have XXXX and this has caused me great XXXX and XXXX. I would like to fix what ever credit problems I have. 
Thank you for your consideration in this matter. 
As a Federal agency you have all of my information on your files. 
It will be easy for you to confirm who I am. 
Thanks R.D.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accurate Inc. According to 15 Untied states Code 1681 ( A ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Should not be reported. However the information on the report antedates in the scope of law by 12 years. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. After notifying the Accurate INC of out scope information and inaccurate information must be removed on XX/XX/2023. Accurate fail to follow rule 15 United States Code 1681 ( N ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum ofXXXX dollars.such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. After receiving a conditional job offer XX/XX/2023. I completed all the steps successfully up to this point. XX/XX/XXXX I received adverse letter stating was criminal findings.Due to this report my employment was rescind. After careful examination I discovered inaccurate and out scope information alone with fair act reporting violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax announced that private information of 143 million people had been leaked due to lack of security. 

I have checked using their website, and my information was included in the data breach. 

They are offering a free year of credit monitoring, but that it hardly enough reparation and the terms of service waives your right to sue Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX removed the XXXX XXXX collection item from my credit file because this account is not mine nor do I ever had knowledge of this company. This account should be deleted from my Experian report also. Thank you for your help.
Product: Consumer Loan

I have sent multiple letters asking for copies of proof of the legal notices and proof of the commercially reasonable manner of resale of a vehicle that American Credit Acceptance is claiming to be repossessed. The first letter was sent on XXXX XXXX, XXXX. This letter was sent certified mail return receipt and I have proof of delivery. This letter was received by XXXX XXXX XXXX XXXX, XXXX. This letter was asking for copies of proof of the legal notices and the commercially reasonable manner of resale of the vehicle in question. 

Under the laws of the State of Georgia UCC XXXX and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I asked American Credit Acceptance to provide proof within 14 days from the receipt of this notice or the claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

There was no response from this letter. I then sent a follow up letter on XXXX XXXX, XXXX reminding American Credit Acceptance that they have failed to respond to my letter to them in a timely manner, and requested that the remove their entry on my credit reports ( XXXX, XXXX, and XXXX ) within the next 14 days of receiving my letter. 

I believe my request were reasonable and American Credit Acceptance has failed to respond in a timely manner. This is a fraudulent claim by American Credit Acceptance on my credit reports and American Credit Acceptance is now in violation of both the FDCPA and FCRA.
Product: Credit card or prepaid card

My complaint is that USAA ( *RETALIATES JUST AFTER MY TWO YEAR LONG FRAUD CLAIM IS WON & CREDITS PROVIDED {$470.00} XX/XX/XXXX for XX/XX/XXXX claim date ** VERY HOSTILE USAA REPS** ) & SUDDENLY MY ACCOUNT IS BLOCKED??? WITH ** usaa Unable to VERIFY ME OVER AND OVER AND OVER?? This block put on by usaa was not here before. DRAW YOUR OWN CONCULSIONS ** USAA REFUSES TO FIX THIS ISSUE AFTER COMPLAING MANY DAYS. IT IS NOT AN ERROR. USAA IS RETALIATING TO * PREVENT ME FROM RESOLVING MORE FRAUD ON MY ACCOUNT THAT WAS IGNORED FOR YEARS WITH NOT VERIFYING ME. I CALL ** RETALIATION **
Product: Checking or savings account

I received notification of a payment error while banking with Citizens Bank. The payment error occurred on XXXX I requested to file a payment error dispute and was pecuniarily retaliated against to a direct demand deposit where the funds were held locally and drafted on the XXXX. What is going on with the quality of cash today?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX : {$7900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2700.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$630.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$9900.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX ) XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$710.00} XXXXXXXX XXXX XXXXXX/XX/2023
Product: Student loan

Three years ago I started a consolidation with Navient. I was struggling financially at the time. Navient led me to believe that my loans were deferred and that interest was not accumulating. My {$14000.00} loan quickly became {$37000.00}. I did n't find out until 2 years later that I had a problem. When I asked Navient to explain I got a lot of legal mumbo speak that I did n't understand clearly. I have never clearly understood what happened. What I was led to believe was NOT what happened! It is a strain on my family. I have since re-consolidated with another company trying to take the student loans away from Navient. There seems to be a problem. It 's like Navient does n't want to let go of them. How can I move on and get this mess straightened out? My credit score has taken a HUGE hit. I ca n't rent or buy a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/2023 and noticed there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved credits and loans. I already reached out to the credit bureasus about this multiple times and they keep violating my rights under 15 USC 168b. 

XX/XX/2023 - hard inquiry - XXXX XXXX XX/XX/2023 - hard inquiry - XXXX XXXX  XX/XX/2023 - hard inquiry - XXXX XXXX XX/XX/2023 - hard inquiry - XXXX XXXX XXXX XX/XX/2023 - hard inquiry - XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX **Customer Service Department** XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX, PA XXXX Dear Sir/Madam, Dispute of Account # XXXX I am writing to formally dispute an issue related to my account, # XXXX with your company. I have recently reviewed my account statement and noticed discrepancies that I believe require your urgent attention and resolution. 

I can attest that I did not reside in this apartment complex to have an XXXX bill. This account was opened fraudulently and the balance owed doesn't belong to me. I was currently residing in Arizona during the time of this bill, and I request that it be removed immediately. I have attached my leasing agreement. 


I kindly request that you investigate this matter and provide clarification regarding the charge. If necessary, I am happy to provide any supporting documentation or further details to assist in the resolution of this issue. 


Please confirm receipt of this letter and inform me of the steps you will be taking to resolve this matter. I would appreciate your prompt response within 15 days as I would like this issue to be resolved swiftly. 


Thank you for your immediate attention to this matter. I look forward to your prompt response. 

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

XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX ) XXXX Installment loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX  XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX. 
XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Charge Card. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 
Not disputable online FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX emailed me claiming I owe a debt. I responded by requesting validation and verification of the debt. They replied, stating I needed to create an account with them to dispute the debt. Instead, I mailed them a formal letter requesting validation and verification. Despite this, as of XX/XX/XXXX, they reported the debt to TransUnion, XXXX, and XXXX without providing the requested information. This is a violation of the law.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry XXXX XXXX XXXX  XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and BB & t accounts continue to reappear on my credit report after being disputed and resolved as being removed and deleted from my credit report from XXXX. It had caused me adverse actions and obtaining the appropriate credit I deserve.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX XXXX am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given to the following companies Written & Unwritten, verbal and non verbal per 15 USC 6802. 

XXXX XXXX XXXX XXXX, 2016 Omni Military Loans
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Student loan

I have been in constant communication with Mohela to make sure all of my PSLF-eligible payments are counted. In the course of this communication, they told me my payments for the first year after the repayment pause would be {$0.00}. I logged in one day to check my PSLF tracker ( which is still lacking 17 payments I have previously verified ) and noticed that my billed amount was now {$780.00}. I have not been able to get an answer as to why this change happened so suddenly or even if it is real. I have also not been able to get my PSLF tracker count updated to accurately reflect my payments over the years despite multiple phone calls and emails.
Product: Student loan

I continue to make an additional loan payment each month. I direct the payment to be applied to my smallest balance loan but Navient continues to post the payment to both loans XXXX which are consolidated ) which in turn applies more of my extra payment to interest. Due date is the XXXX of each month. 
XX/XX/18 extra pmt of {$80.00}. Applied correctly {$77.00} principal and {$2.00} interest. 
XX/XX/18 extra pmt of {$80.00}. Applied incorrectly {$48.00} principal and {$31.00} interest. 
XX/XX/18 Contacted Navient by phone. They stated they would correct the payment posting. It appears they re-applied {$10.00} to the principal but this isn't correct. Now {$59.00} principal and {$20.00} interest. Daily interest is {$1.00}. XXXX days of interest would be {$4.00} not {$20.00}. 
XX/XX/18 extra pmt of {$80.00}. Applied incorrectly again. {$48.00} principal and {$31.00} interest. 
XX/XX/18 I emailed Navient requesting they re-apply both payments correctly. 

I would like to make extra payments each month and have them applied as directed without having to call and wait on hold for an extended period of time trying to get the payment posted correctly, to no avail.
Product: Vehicle loan or lease

Hello hope all is well. 

My name is XXXX XXXX XXXX, my account number is XXXX and I would like to dispute the late payment that has been reflected in my credit, for the XXXX XXXX XXXX that I had, last XXXX, during Hurricane XXXX, that car was flooded, and the insurance company declared it a total loss. My insurance company will be responsible for paying off the entire amount, but first it is waiting for the car 's financial bank ( Santander ) to send a letter of guarantee for the car, which the bank has not yet sent, I personally have contacted the bank repeatedly. Santander told me they would extend the payment period and would not have to make any further payments. I have left messages, and the representatives have left notes. I am in the middle of closing on my mortgage purchasing a new house and Santander reported a late payment on my report destroying it and causing it to drop tremendously. At this point I will not be able to close and am going to lose my {$50000.00} I have in escrow. The closing date of my mortgage is due for the XXXX of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report recently and saw inquiries that I did not authorize.
Product: Credit card

My daughter and me went to XXXX to go to the XXXX. I have a credit card with Chase bank with a credit limit of {$20000.00}. Plenty of available credit for the task. When we got there we tried to buy tickets at auction online. We had several good opportunities to buy tickets at a good price but my credit card kept declining. After a number of attempts I finally called Chase and they said they declined the purchases because of " fraud ''. There was no fraud. I have always paid my bills on time. As a result of this egregious violation of the implied customer contract we lost several purchase opportunities and ended up paying over {$1000.00} more for tickets than we would have if Chase honored their promise to me their customer. God help me if I were to refuse to pay them for no reason. They should be fined for this blatant dishonoring of the promised service they sell to customers. Given the usurious interest rates they charge one would think fraud prevention would be their problem to solve and not burdened on the backs of unsuspecting customers. Their behavior is criminally abusive
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights. 

- 15 U.S.C 1681 section 602A section 2 : states I have a right to privacy.

- 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

- 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 of 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 1681 s-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 reasonanble cause to believe that the information is inaccurate. 

XXXX Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX : XXXX, XXXX, and XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX  : XXXX and XXXX
Product: Debt collection

I got an email from my credit card company about an alert. I checked my XXXX XXXX   and it shows I have a bill in collections that does not belong to me. It's for the amount of {$290.00} dollars that it claims I owe to XXXX XXXX XXXX and that the creditor 's information is Midwest Recovery Systems, LLC. I've been researching because I'm so frustrated and don't know what to do that I came across Midwest Recovery Systems as being a fraud company! I do not need this company ruining my credit and trying to steal money from me. I never got a letter in the mail, or a phone call, it just showed up on my credit karma. I don't even live in XXXX nor have I ever been in an ambulance before! MIDWEST RECOVERY SYSTEMS is a fraudulent company and needs to be stopped! This is the information XXXX XXXX shows : Opened Unknown Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX