23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have fallen victim to fraud and identity theft in my name, in which accounts have been open without my authorization for the opening of various accounts such as auto loans, bank accounts, as well as apartment rentals have been obtained unknowingly in my name. This has caused much undue, financial strain and stress. 
In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have failed to see any compliance to these laws from EQUIFAX showing pertinent deletions of HARD INQUIRIES directly related to fraudulent account openings from EQUIFAX. XXXX as well as XXXX have since rectified my credit report in a timely manner as of 3 months ago. XX/XX/XXXX. 

The HARD INQUIRY Accounts attached to this dispute violates my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX5 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.

I have requested information from creditor with signed affidavit due to identity theft and no known knowledge of accounts. This has caused much damage to credit report and needs to be deleted from all credit bureaus immediately.

According to 15 USC 1681i 5 they are supposed to do this ( 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 in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the items of information from the file of the consumer ; or modify that the item of information as appropriate, based based on results of the reinvestigation ; and promptly notify the furniture of the information information that the information has been modified or deleted from the file of the consumer.
Product: Student loan

Navient emailed me about an Federal Education Financial Aid Ombudsman Group service I said NO and I give no one my permission to submit any documents on my behalf to any Ombudsman Service. I have never been contacted by any Ombudsman Services and I will no longer accept any email or phone calls from Navient. Navient has been blocked from all my devices. Navient is not my servicer or Owner of any student loans. I will not accept any mail from Navient it will be returned to Navient.
Product: Credit card or prepaid card

Yesterday ( XXXX ), I was unable to make a charge, it prompted me to go into the Citi app today. When I went in, there was a red bar saying I was 14 days late. I had no idea I was late as I never received any communication about a missed payment. I immediately paid the entire balance today ( XXXX ). I dug in and found interest charges for XXXX, XXXX and XXXX. I never received a single email on a missed payment, but in the meantime Citi was charging me me interest. With AMEX, if a payment is missed, you receive a very explicit email that says you missed a payment and have been assessed a late fee. Again, I did not receive a missed payment email, I received a note on XX/XX/XXXX that made it seem like I was up to date and then actually received a letter in the mail XXXX and an email on XX/XX/14 about a credit increase - Citi raised my limit to {$27000.00}! Why would you give an increase to someone who hasn't paid?! I guess it was so they could charge me even more interest on purchases. When I called today ( XXXX ), the representative could only remove this month 's fees. When I asked to speak to a XXXX, she said she was the XXXX and that the next level of dispute is via a po box . I asked for an electronic alternative and she said there wasn't one - only fax. I can only imagine the impact of Citi 's practices on the elderly, low income and under-represented. I would not have thought of Citi as a predatory lender, but the lack of communication with customers is making me think otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of erroneous items that are reporting on my credit file : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

Im in XXXX XXXX XXXX  I learned that my identity was stolen and someone opened two credit card accounts in my name with Bank of America : one for XXXX XXXX and the other for XXXX XXXX XXXX. I immediately reported this to the Fraud Department at BOA. The female agent assured me that she closed both accounts and noted they were opened fraudulently. Following this, I filed a fraud alert on all 3 credit reporting agencies. Today, I received a billing statement from BOA in connection with the XXXX XXXX card. The credit limit is {$19000.00} and the annual fee of {$75.00} was charged. Payment is due XX/XX/XXXX. I immediately called the Fraud Department at BOA to report that this fraudulent account was never closed as I requested in XXXX. It was never reported as fraud by BOA to the credit reporting agencies. This is the unacceptable. My case number with BOA is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was XX/XX/XXXX, but no response was ever received from you to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX CXXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number XXXX XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account XXXX : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Debt collection

initially filed complaint # XXXX indicating that this company will not provide any information, help me verify the debt, or remove my cell phone number from their dialer without requiring me to provide personal identifying information. 

CFPB forwarded the complaint to the said company. 

Said company then responded that they could n't deal with the CFPB unless I completed a HIPAA release providing them with even more personally identifying information including SSN, DOB, and permission to share detailed medical information. This is a scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date, they have not responded. 


The following account is not mine XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$420.00} ). Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$230.00} ). Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1000.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 
The following account is not mine XXXX XXXX & XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$28000.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$910.00}, Original Creditor : XXXX XXXX XXXX ). Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$240.00}, Original Creditor : XXXX XXXX XXXX ). Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed addresses, wrong phone numbers, different variations of my name and they still continue to keep incorrect information. There should only be one phone number, a po box , and one way my name should be ONLY my mother and I have the same name as I have expressed so it is very important to have this correct! Also was told for about 8 months that I had no address on file so I couldnt obtain a copy of my credit report even after calling every month and being told it would be fixed with in 24/48 hours, I couldnt obtain credit report on the XXXX app or on the website nor would they send me a copy! How am I suppose to make sure I have a fair and 100 % accurate account if I am unable to view tiny own information?
Product: Money transfer, virtual currency, or money service

I tried to send money to my fiance in the XXXX XXXX. We are building a house there. I teach in XXXX XXXX XXXX XXXX months a year. My XXXX wired money from my account several months ago because I had no way to get money and very few businesses in rural areas take credit cards. Then, a couple months later, she was away due to an emergency so I asked someone else to wire me money so we could continue to build. Now, I am back in the XXXX to get some more money to finish the house. I was refused, and no reason was given. ( The older bankers know me because I have been banking at that location for nearly XXXX  years. ) I have more than {$30000.00} in my account and wanted to send < {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$660.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/year> : XXXXXXXX XXXX XXXX
Product: Debt collection

XXXXCARE CREDIT never verified the status of the account post Hurricane Matthew. In XXXX 2016, a  payment was made after a negative call. Following this the account was to be on a hold. The account was marked as 120+ days passed due and is now reflecting as a charge-off. The company was negligent in following up with the letter and updates regarding the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XXXX XXXX XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00}, XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX. ) XXXX Date opened XX/XX/XXXX Balance {$1100.00}, and XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$4100.00}.
Product: Student loan

Trying to figure out if I should or should not consolidation my loans once and extending my loan term another 25 years to XXXX I have received little to no information on what that number count adjustment AES my current loan servicer shows 44 which represents years XXXX but they have been servicing my loans since XXXX They are refusing to adjust and account for years XXXX and telling me that the Department of Education Federal Student Aid is where I can get that information despite the fact they are responsible for updating and sending that type of information to you. I have canceled student loan checks from XXXX which I don't see credit for despite having sent that information into AES and DOE I can not make an informed decision if I don't have all the facts ( payment credit adjusted number ) Also 1 ) Why was I steered into forbearance 2 ) Missing credit adjustment for prior payments 3 ) Why AES is listed as a creditor on a loan disbursement disclosure
Product: Checking or savings account

I 'm trying to use an app on my XXXX called XXXX XXXX and I just need the approval from the bank.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my personal and financial information was exposed during a recent data breach. This breach compromised sensitive details, including my debts and accounts, such as my car loan, credit card with XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX account, and certain medical bills. The breach also exposed my personal information, including as Social Security number, address, phone number, and confidential medical information. 

I became aware of this breach a month ago via email amd mail regarding the incident. As a result of this exposure, I am now at risk of identity theft and financial fraud. 

The breach has caused significant concern about the security of my financial and personal data. I have already taken steps to mitigate the potential harm, such as monitoring my accounts, but these measures have required time, effort, and additional expenses on my part. 

I am seeking assistance to ensure accountability for this breach, including measures such as offering free credit monitoring services, providing reimbursement for any related expenses, and improving security measures to prevent future breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

The cashier at XXXX XXXX coerced me into opening a new store credit card with them when I already have one open. The account that I didn't know exist is the one I'm having trouble with. I am an XXXX woman with XXXX and I felt taken advantage up to help their credit card quotas on opening new cards. I would not want to open a second credit card with them whatsoever and after I realized it by checking my credit card, I tried to resolve it with them with no avail. I feel this is abusive to my XXXX status as well as my XXXX capacity and I wish to have the account removed, along with the lates.
Product: Credit reporting or other personal consumer reports

I have contacted Experian about a XXXX  loan that was paid off for XXXX XXXX  and it didn't get resolved. I called XXXX XXXX  and sent all my paperwork showing that the loan is paid off and they are still asking for payment.
Product: Student loan

Back in XXXX, I enrolled aXXXX XXXX XXXX XXXXXXXX University to major in XXXX. in XXXX. I was number # XXXX of my graduating class from XXXX XXXX XXXX High School with a 3.6 GPA. In the beginning, I was allowed to attend the school for free through merit, but I even explained to the school that both of my natural, birth parents were deceased, my mom died in XXXX  and I just went to court to determine who would obtain custody rights for myself. In XXXX, my brother 's father was granted custody of me as my legal guardian. Therefore, I should've went to school for free regardless! However, I was a scholarship student and I received a low grade in Public Speaking. From there, I was stripped of my scholarship at that time. Then I had to get student loans. Since that date until now, my credit as been jacked up tremendously and I'm unable to fully live the American dream. Now, years later, I'm still trying to undue all this mess. I currently work at XXXX XXXX XXXX XXXX since XXXX, so the majority of what's due should be paid down by me being a county employee under the PSLF. However, the date keeps resetting and is currently saying XXXX. I used to have the IDR plan, but I recently changed it to the SAVE plan. Documents I received from Mohela and what I'm being told is two different things.
Product: Checking or savings account

Im not sure that you were the right agency but Im sure you can direct me to who I need to contact for over a year I have been trying to end an account with Wells Fargo advisors even submitted a XXXX complaint about Wells Fargo advisors solutions! They continue to bill me annually and have made it impossible to close my own my own account that Ive had with him for over a decade. They keep moving my advisor out of Nevada in two different states I have worn them for many years if they continue to do this Im going to close the account now they have refused giving me all sorts of runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Capital One Auto located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Capital One Auto has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Consumer Loan

The online lender is charging 300 % interest rate on a simple loan. Which I pay back the lender 3x the amount I borrow
Product: Credit reporting or other personal consumer reports

Financial institutions made inquiries which were not initiated by me : Citizens Bank XXXX and XXXXXXXX CBNA XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX and reported on my credit reports, XXXX, XXXX XXXX XXXX I have contacted each by phone and informed them that these requests were fraudulent.
Product: Mortgage

Specialist id # XXXX Covid19 XXXX XXXX   XXXX I don't think I have ever received worse service and customer service from a company in my entire 38 years of life. After being approved for forbearance from GuaranteedRate/XXXX   XXXX/XXXX  due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loan has now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the Credit Bureaus as delinquent as of XX/XX/2020. At this point I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat u 6338 payment on a credit card account under an open end consumer credit plan as late for purpose.