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

Going by the FAIR CREDIT REPORTING ACT, the list of accounts below VIOLATED by FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( A ) ( 5 ) 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 7 years 15 USC 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

I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. 


Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and identity theft. As a result, fraudulent accounts and unauthorized inquiries have appeared on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and permanently delete the following accounts and inquiries from my credit file. 
XXXX Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$490.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$3200.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$440.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$440.00} XXXX. UNAUTHORIZED XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$830.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX NA - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax several times informing them of me being a victim of identity theft. The representative said they would delete the misprinted name and the unknown addresses that do not belong to me. They have yet to do so. I have given them my current addresss which is the same address that is listed on my I.D . Due to identity theft there were many inquiries made as well : XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX   XXXX and XXXX national in which I have not applied for credit with those companies. There were also 2 accounts that were opened without my authorization : XXXX XXXX and XXXX XXXX in which I need removed immediately. I have attached my FTC report for reviewal and assistance in fixing this issue.
Product: Debt collection

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Floor New York XXXX NY XXXX Re : Intent to File a Complaint with the CFCB Dear Sir or Madam, I am writing to formally notify you of my intent to file a complaint with the Consumer Financial Protection Bureau XXXX CFPB XXXX and other relevant consumer protection agencies regarding the handling of my account with XXXX XXXX XXXX  XXXX 

Despite my previous communications and requests for resolution, I have encountered significant issues with how my account has been managed. Specifically, my concerns include abusive, harassing, or unfair collection practices, such as excessive phone calls, threats, or deceptive tactics used to pressure you into paying. The collector has violated consumer protection laws, such as failing to provide required disclosures, not honoring requests for verification, or engaging in illegal collection practices. 

Here are the details of my account and concerns : Account Number : N/A ( XXXX XXXX XXXX XXXX XXXX ( January Technologies ) Description of Issues. 

The collector has not provided the necessary documentation to validate the debt despite repeated requests. I have previously requested the collector to provide proof that the debt is valid, including documentation showing the original creditor, the amount owed, and their right to collect the debt. 

As a result, I believe that filing a complaint with the CFPB and potentially other regulatory bodies is necessary to address my concerns. 

I would like to resolve this matter amicably and request that you take the following actions : Address and resolve the specific issues outlined above. 

Provide a formal response to this letter within 15 days detailing how you plan to resolve these issues. 

Provide any relevant documentation that supports your position regarding the issues raised. 

If you do not address these issues satisfactorily within the given time frame, I will proceed with filing a formal complaint with the CFPB and other relevant agencies to seek a resolution. 

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

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

I have my student loans serviced through MOHELA from a consolidation in XX/XX/XXXX. In XX/XX/XXXXXXXX  I started receiving alerts from all three credit bureaus regarding my credit score plummeting and a high debt ratio. Upon checking all three bureaus it was revealed that MOHELA had reported my {$69000.00} account twice. I have only one account with MOHELA. I put disputes in to the bureaus and notified MOHELA. By mid XXXX I called MOHELA again and was informed by the Resolutions Department that matter would be handled at the end of the month around XX/XX/XXXX stating the one account would be " taken off " or put as " paid in full '' because that is when they report to the credit bureaus. I waited until XX/XX/XXXX and checked with nothing changing on my reports I contacted MOHELA again. The Resolution Department Representative looked into the matter and explained that they only had one account, but when I told the rep that the accounts had different numbers with the same balances she looked again. She then said that one of the accounts was the initial consolidation loan and it should report as {$0.00}. I told her it says that, but it says '' paid as agree '' making an open account. The rep placed me on hold and then returned stating that everything is good on their end and to check with the credit bureaus on Monday. I kept my composure on the matter that is completely unacceptable although I am completely upset. 
MOHELA refuses to contact the credit bureaus and rectify the matter correcting their reporting error. Pure laziness. MOHELA seems to be racking up loans to collect interest for XXXX reinstatement since the Department of Education suggest to that many borrowers refinance to qualify for forgiveness in XXXX. They are greedy and will ruin your credit in order to keep ghost accounts to have active accounts to collect interest in XXXX. Consolidating with them has been the worst decision I have ever made. MOHELA is terrible and will damage your credit never correcting the wrong they have done. Borrowers beware.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent out a subscription product refund check to me in 2019. It was sent to an old address in XXXX, Maryland. I have lived in California since 2015 and currently reside in XXXX XXXX, California. The only reason I received the check was because the concierge at my old address saw it and mailed it to me. By then, I was no longer able to cash it. I'm still not sure why it was mailed to Maryland. 

I have called Equifax multiple times and have spoken to multiple representatives. I have been transferred so many times and still have not gotten anywhere. No one has been able to assist me. I have been told someone will call back but no one has. I have sent emails but no one responds.

I have been trying to contact Equifax on and off for one and a half to two years regarding this. It has been frustrating. 

I simply want the check reissued to the correct address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating XXXX stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from XXXX XXXX themselves as my proof. I have done everything that is required by me and I expect Experian/XXXX/XXXX XXXX XXXX to do so also.
Product: Credit reporting or other personal consumer reports

XXXX stated in previous complaint that XXXX XXXX XXXX XXXX loan was updated as paid in full on my credit report on XX/XX/2023. XXXX has lied about updating my credit report to show that XXXX XXXX XXXX XXXX has been deleted or updated as paid in full. The Auto loan became part of my income {$19000.00} 1099-C and filed with the IRS. I will attach my previous complaint report and my recent XXXX credit report to this complaint.
Product: Money transfers

I was sent a check in the mail to get cashed to pay bills for someone. The check was accepted through my bank til 3 days later it came back as a fraud check. I did not realized that the check was a fraud check until after I withdrawal the money and sent it off.
Product: Student loan

Good Afternoon, I am having trouble getting a feasible repayment plan for 4 of my private student loans through Navient. I had filed for bankruptcy in XX/XX/XXXX, however my loans were not discharged although I was, and still am, experiencing financial hardship. These particular loans are in default and were sent to XXXX  XXXX by Navient for collection. I had tried to set up a repayment plan with Navient back in XX/XX/XXXXand the only options given were very unreasonable! Who can afford to pay $ XXXX $ XXXX/month. I offered to pay $ XXXX/month until I was financially stable enough to pay more. That was denied and the Navient customer service representative YELLED at me and very rudely told me that that would be my only option unless I put at least {$1000.00} down first to then be able to apply for a repayment plan. I told him I could not afford to do that, but could definitely do the $ XXXX/month. After he told me once more that they would not accept that amount. I told him I really didn't have anything more to give. He told me my loans would then be in default. Since then, I have been paying $ XXXX/month to XXXX XXXX ( not a lot, I know, but I also pay Navient about $ XXXX/month for two other loans ). I called Navient, who then transferred me to XXXX XXXX yesterday, and the only options given for repayment were to settle the loan for roughly {$21000.00}, which I can not do, or put down 10 % of the loan ( {$8300.00} ) to qualify for their repayment option of $ XXXX/month. I am just stuck and am really trying to work on my credit and get some of these loans paid down. I currently owe Navient {$180000.00}, which is mostly just the interest. I just need a reasonable repayment plan and someone to just work with me! I can barely afford to support myself and daughter and all of these loans spiraled out of control over the years. I would love to be able to go back to school to finish my degree, but am unable to affrod to pay out of pocket and clearly can not get another loan to do so. please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$8000.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately.

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Product: Credit card

The company has no phone number to be contacted at. It has a Mailing. address only. There was no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX MANIPULATED MY CREDIT SCORE, CAUSING MY CREDIT SCORE TO DROP XXXX POINTS. THUS THIS HAS CAUSE ME HARM BECAUSE OF THEIR ERRONEOUS AND IRRESPONSIBLE CREDIT REPORTING. EQUIFAX CHANGED THE STATUS OF TWO ACCOUNTS THAT ARE CURRENTLY INVOLVED IN A XXXX BANKRUPTCY TO SHOW CHARGE OFF STATUS AND MULTIPLE LATE PAYMENTS, THUS VIOLATING AN AUTOMATIC STAY. EQUIFAX IS IN VIOLATION OF THE FCRA 15 USC 1681 AND 623 ( a ) ( 1 ) ( A ). THE FOLLOWING TWO ACCOUNTS ARE REPORTING INACCURATE AND VIOLATE FEDERAL LAW UNDER THE FCRA : ACCOUNT NAME : XXXX XXXX  XXXXACCOUNT NUMBERXXXX XXXXACCOUNT NUMBERXXXX. I WILL SEEK MONETARY DAMAGE OF {$1000.00} PER VIOLATION AND HAVE FILED A NOTICE OF INTENT WITH THE FTC.
Product: Debt collection

I am writing to file a formal complaint against Alliant Capital Management LLC XXXX XXXX XXXX for their persistent and inappropriate debt collection practices. My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am disputing the validity of a debt associated with account # XXXX ]. Despite my attempts to address this matter directly with Alliant Capital Management LLC XXXX XXXX XXXX, their actions have been both aggressive and unacceptable. 
I have experienced persistent and unwarranted phone calls from Alliant Capital Management LLC XXXX XXXX XXXX. The frequency of these calls is unacceptable. Additionally, I find it highly inappropriate and concerning that they reached out to my mother on XXXX the alleged debt. 
I will attach the screen shot of the voicemail they left her. 
I have taken the following steps to resolve this issue : On XXXX spoke with a lady at Alliant Capital Management LLC XXXX XXXX XXXX XXXX She assured me that the matter would be resolved, but unfortunately, there has been no resolution to date. 
I sent an email to XXXX outlining the details of my dispute. I have not received a response. 
I have attempted to contact Alliant Capital Management LLC XXXX XXXX XXXX by phone at XXXX on multiple occasions, but my calls have gone unanswered. 
I urgently request the CFPB 's assistance in addressing this matter promptly. My desired resolution includes : Ceasing and desisting all communication from Alliant Capital Management LLC XXXX XXXX XXXX. 
Any appropriate action to rectify the harm caused by their actions. 
I appreciate your attention to this matter and look forward to your prompt assistance in resolving this dispute. 

Sincerely, XXXX
Product: Debt collection

I sent Hunter Warfield a XXXX debt validation letter requesting the information that they have placed on my credit report. I did not receive validation from said company.
Product: Credit card or prepaid card

I had a Capital One Quicksilver Credit card that I missed 5 payments on. This was due to one I had moved from XXXX to XXXX in XX/XX/2019 and the statements were not forwarding to my new address. In addition, I thought that I had paid the balance off. There was one XXXX $ owed and not including over XXXX $ of late fees I received in that time. Once I became aware of balance and late fees I immediately paid off the entire balance. In addition, I called capital one and spoke to them about the issue and that I had paid off the balance and they ensured me that they would remove the delinquent marks for my credit reports. This was over six month ago.
Product: Checking or savings account

Someone used my social security number to open and obtain a credit card or loan/line of credit on date XXXX I never gave anyone any concent to do that
Product: Student loan

Please call me about Wells Fargo calling student loans student loans and then accruing interest during the forbearance period, then popping an amount on the poor student as double what they borrowed when the forbearance is up and also reporting the amount on the co-signer when the loan is still in good standing. i.e. the loan was NOT a student loan, they accrued interest from the first day all through while the student was in school, Our XXXX loan became close to XXXX when forbearance was up. We did not know that, they did n't make it clear and they " called it '' a student loan back in XXXX right after the XXXX and congress foolishly handed the reins to banks on student loans and destroyed countless student loan companies. These were supposedly federally insured loans and were advertised as such, at least that is what we thought we were getting. Wells Fargo took advantage of them and XXXX of these loans are getting called now as students get out of school and are finding out they owe twice or 3 times what they borrowed. Disgusting, disgusting, nasty practice and XXXX XXXX should pay for their greed,
Product: Credit reporting or other personal consumer reports

I've talked to Experian several times and they and they refuse to change the status of my credit reporting dealing with how it is reporting I sent the forbearance letter and all the deferment paperwork to show the correction to my account that was given by the department of education even after all the documents they refuse to change the status to positive if no payment is due right now how can I be late so why is it showing negativity. This my forbearance letter from the school that shows that my account is in good standing and no payment XXXX of XXXX  I did upload the documents to their website they did receive my document and update on my report that I do have a deferred payment, but they still got me in the system as negative reporting so please help me resolve this issue. This is forbearance the letter
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding several disputed accounts on my credit report. Despite my multiple attempts to address these inaccuracies and my consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly impacting my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me. Therefore, I am pleading for your assistance in rectifying this situation as soon as possible. I kindly request a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax about this issue, they show multiple inquiries in reference to purchases I made. eg : I purchased a car from XXXX XXXX XXXX ... ..3 inquiries hit my credit record for one purchase. This has happened on many of the items I 've purchased. So now my credit report shows 3 to 1 ratio ( inquiries I made to the ones that actually hit my credit record ) on many of the purchases I 've made. Now I ca n't get credit and my Bank ... ..XXXX XXXX XXXX is reducing my credit because of these additional inquiries. I 've talked with Equifax twice about this and they refuse to delete the additional inquiries so that they reflect what actually occurred. They said it 's not up to them? I asked : who then? They said they will drop in 3-7 years ... ... ..not acceptable as I 'm denied credit in the interim. 

There were also several inquiries made on my credit report that I did n't even recognize. They would n't do anything about them either. 

XXXX and XXXX were contacted because of the same issue and all 3 still report similar information in error. 

I make a six figure income, have well over XXXX credit score and pay my bills on-time ... .NO LATE PAYMENTS EVER ... ..yet I ca n't get credit .... 


What can I do about this legally? Can CFPB help me?
Product: Credit card or prepaid card

I had a XXXX credit card account that had a limit of {$1200.00}, it did not have a balance nor did I owe them anything. However, due to them receiving erroneous false information from XXXX XXXX, XXXX and or XXXX, siting that I had other derogatory account information they closed my XXXX account. The derogatory accounts are under dispute as they were fraudulently opened by someone within my household. This account closure is having an adverse effect credit file and lowering my FICO. 
.