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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

MOHELA recently updated their electronic platform and ever since, I have experienced issues with them not auto deducting my monthly payment. They keep on telling me that it has been handled and it has not. I waste approx. 1-2 hours of my time over the phone each month trying to resolve. Recently, I asked to speak to a supervisor but they make it very difficult to get one on the line, yet I have not spoken to one. 
I received threatening letters stating that my information has been forwarded to a debt collector and possibly damaging my credit score. 
I asked if they can forward my account to their technical team to troubleshoot the error and they tell me that they do not have a team that is able to troubleshoot this auto pay glitch. 
Maybe because they do not want to discount people the 0.25 % when auto pay is setup? It is unbelievable that our government lets a company like MOHELA overlook loans, they do not know what they're doing! 
This is my second complaint. The first complaint was because they did not apply my funds properly and they make it very confusing so you are unable to make sure that all your funds are being applied properly.
Product: Debt collection

I started this dispute process in XX/XX/2018. NCS, said this information belong to me, but it is inaccurate. I have set multiple statements and verification in and the collection agency still say its valid. This issues is hindering on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts continue to remain active on my report, thereby putting Experian in direct violation of FCRA 605B. I am filing this Consumer Financial Protection Bureau ( CFPB ) complaint against Experian Credit Reporting Agency under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request immediate action regarding fraudulent information on my consumer credit report. This complaint includes a demand to block and remove all items resulting from identity theft and fraud within four ( 4 ) business days, as mandated by law. 

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX on XX/XX/year> under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I expect these accounts to be blocked and removed within 4 days of receipt, as mandated by law. 

Additionally, I request that any and all collection activities associated with these fraudulent items cease immediately, in compliance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I have attached the FTC Identity Theft Affidavit ( FTC Criminal Complaint # XXXX ) as proof that all items associated with these accounts are due to identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account number listed on my credit report is  XXXX . I was unaware of this debt before it appeared on my credit report. Once I saw the debt I promptly paid the debt. As this is medical debt, I should have been notified and been given time to pay the debt. Per the FCRA I have the right to dispute this debt directly with the company that has reported the debt. I was unable to get anywhere during phone conversations and was told I must dispute this debt with th e National Credit Reporting Agencies.   While I can dispute with the NCRAs, I should be able to dispute the debt directly with the company reporting the debt. Please remove this collections account from my credit report. There were several things wrong with how this account was handled and how little responsibility the company the debt was originally owed to took. Even if the debt is sent to a different company the original lender is still responsible for accurate reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I did not authorize the accounts outlined below, and they were opened or reported without my knowledge or consent. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be investigated and permanently removed from my credit file. 
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
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. 

I feel I was negatively impacted by TRANSUNIONXXXX XXXX , hurting my chances at credit after receiving a response to an earlier dispute that the accounts were verified or updated. 

Accounts I also had no knowledge of where the creditors did not send me verification that these were my accounts. 

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and findings of the law. The FCRA governs how credit reporting agencies ( CRAs ) access and use consumer credit reports. 
Purpose The FCRA 's purpose is to ensure that CRAs are fair, impartial, and respectful of consumers ' privacy rights. 
The FCRA also aims to promote the accuracy of consumer credit reports, which are essential for the banking system. 
Findings The FCRA finds that inaccurate credit reports can harm the banking system. 
The FCRA finds that unfair credit reporting methods can undermine public confidence.

Related laws 15 U.S.C. 1681a : Defines rules of construction and terms 15 U.S.C. 1681e : Requires CRAs to have procedures to limit the sharing of consumer reports 15 U.S.C. 1681m : Requires users of consumer reports to disclose the nature of the information to consumers if it's used to deny credit or increase the cost of credit 15 U.S.C. 1681n : Creates a private cause of action for damages caused by willful noncompliance
Product: Debt collection

I am writing to file a complaint against Professional Debt Mediation , Inc. regarding their failure to verify and respond to my dispute regarding a collection account they reported on my credit report. 

On XX/XX/2023, I submitted an indirect dispute to XXXX, XXXX, and XXXX, requesting that the collection account for {$3000.00}, which Professional Debt Mediation , Inc. is attempting to collect, be investigated. Unfortunately, the credit reporting agencies failed to conduct an investigation into the accuracy of this debt. 

As a result of the credit reporting agencies ' inaction, I took the initiative to send a direct dispute to Professional Debt Mediation , Inc. on XX/XX/2023, using the address listed on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. In my dispute letter, I specifically requested the following documents : 1. A copy of the contract : I need to know the terms of the alleged debt. 
2. A copy of the purchase agreement : I doubt that Professional Debt Mediation , Inc. actually owns this debt. 
3. The last statement showing a XXXX  balance, and all subsequent statements : I need to understand how the charges were calculated to arrive at the amount of {$3000.00}. 

To my dismay, I never received a response from Professional Debt Mediation , Inc. regarding my request for verification and documentation of the alleged debt. In my attempt to seek resolution, I sent another letter to Professional Debt Mediation , IncXXXX on XX/XX/2023, using the address listed as XXXX XXXX XXXX FL XXXX, XXXX, FL XXXX on my credit report. In this letter, I again requested verification and documentation to support their claim that I am required to pay the debt to the current creditor, XXXX XXXX XXXX 

Allow me to provide additional context to explain the situation with XXXX XXXX XXXX We had a prior agreement where it was mutually understood that my job might end before the contract date. XXXX XXXXXXXX XXXX  presented two options : either pay 2 months ' rent ( {$4000.00} ) less the deposit or find a suitable renter to take over the lease. We attempted to find suitable renters but were met with unfair obstacles. XXXX XXXX XXXX  raised the application fee from {$75.00} to {$300.00}, making it difficult to find renters. Additionally, when we found an attorney who met the requirements, XXXX XXXXXXXX XXXX increased the deposit for the already paid lease from {$400.00} to {$2000.00} for three months, making it impossible for us to find anyone on our own. Ultimately, XXXX XXXXXXXX XXXX put someone they knew in the apartment, taking their application, deposit, and rent, while attempting to withhold our {$4000.00} for no valid reason or purpose. There were no damages or actions on our part that led to any loss of profit. This situation feels like an unjust and forceful attempt to take money from us after they initially provided a way out of the contract.
Product: Credit reporting or other personal consumer reports

My credit report contains unauthorized inquiries that were not approved by me. In line with 15 USC 16c-2, I ask for their removal.
Product: Debt collection

I have tried dispute this fraudulent account with XXXX XXXX several times. I have asked for proof of debt along with asking them to remove the fraudulent account from my credit report due to I have been a victim of identity theft. They have failed on various occasions to prove this debt and have continuously sold it to outside collections agencies which have been disputed but they continue to place it back on my credit file. I have had service with XXXX XXXX XXXX for 11 years. I am asking that this is removed due to it being a fraudulent account. Experian has continued to keep this on my file and refuse to tell me how it is being verified. I have dispute with them serveral Times by phone and certified mail which they have recieved and they refuse to removed the erroneous debt and claim XXXX XXXX has continuously had date breeches which impacts the validity of the debt. The company has proven that fraud is constantly taking place XXXX data breach : On XX/XX/XXXX, XXXX discovered that a retail agent 's server was accessed without authorization. The breach affected confidential information, including names, Social Security numbers, phone numbers, and products purchased. XXXX sent data breach letters to affected individuals on XX/XX/XXXX. 
XXXX data breach : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Investigations Report ( XXXX ) analyzed XXXX security incidents, including XXXX confirmed data breaches. The report found that the exploitation of vulnerabilities was the critical path action to initiate a breach. 
XXXX data breach : In XX/XX/XXXX, XXXX contacted prepaid customers to let them know that a third party accessed their accounts between XX/XX/XXXX and XX/XX/XXXX. 
XXXX data breach attempt : In XX/XX/XXXX, a hacker attempted to ransom XXXX 's employee database, collecting internal contact information. 
XXXX data breach : Data on XXXX XXXX XXXX users was leaked. 
XXXX data breach : XXXX XXXX XXXX XXXX customers were impacted by a hack. 
XXXX data breach : XXXX employees were fired for improperly accessing XXXX XXXX XXXX  cell phone records.
Product: Credit reporting or other personal consumer reports

I've been a DISCOVER card client for probably close to 20 years. And there has never been a single late or missed payment on that account for at least a decade ( if ever ). 

On an tangent note, I haven't had a single missed or late payment on any credit source for at least 10 to 15 years. 

I had a XXXX percent balance transfer that was coming due and they emailed me a " valued customer payment plan. '' It reduced the fees and extended the payment length. It sounded like a nice option, so I accepted and continued to make the same monthly payments that I already automated from one of my banking accounts ( wells fargo ). 

Fast forward a few months and my credit report was hit was an alert. It was stating that I missed three consecutive payments which reduced my credit score by nearly XXXX points. 

I reached out to remedy and they stated that was " the penalty for accepting the new plan '' and refused to adjust. I tried to get XXXX to challenge and they rejected them as well. 

I had the cash to pay the entire amount at the time it was due. This is a terrible and downright fraudulent business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute regarding a bankruptcy on my credit report with Equifax many times since 2020 and they continue to close out the dispute within a couple days, stating that it has been verified. I asked them to provide me with information on who verified the Bankruptcy, they ignored me. I was able to find on their website that they verify all public records with XXXX XXXX so I reached out to XXXX XXXX and they were not able to verify the bankruptcy so they deleted the bankruptcy from their reports and they sent me a letter stating that ( attached ), along with a new XXXX XXXX report showing the report was removed. https : //equifaxconsumersXXXX.com/ I also sent the courthouse where the bankruptcy on the report is stating the bankruptcy is from, asking if they verify any bankruptcies with any credit bureaus and they also sent me a letter back stating that they do not verify any bankruptcies with any credit bureaus. ( attached ) I sent all this information ( letters ) to Equifax via certified mail and they received it on XX/XX/XXXX, proof of delivery is also included in this complaint. I called Equifax because there have been no remarks added to the bankruptcy about the dispute since the XXXX and the person I spoke with, told me that the dispute was opened and is already closed ( Confirmation # XXXX XXXX XXXX ). He said the notes in that dispute simply state that bankruptcies stay on a report for 10 years. Equifax doesn't do any actual investigations and the person I spoke with also confirmed that he saw my letters and Equifax still refused to do any actual investigation of their own. He said there was nothing he could do except open another dispute ( Confirmation # XXXX XXXX XXXX ). This needs to be deleted from my credit report if they can not verify the bankruptcy within 30 days. The OCR and E OSCAR verifying this info is not recognized as proper validation. Im filing a complaint with the XXXX as well and speaking with an FCRA Attorney to seek legal action.
Product: Checking or savings account

Im a customer at KeyBank with a checking account. My husband went for a cash advance at XXXX XXXX XXXX XXXX on XX/XX/2023 and accidentally used my card ending in XXXX which was approved and my husband went to the cage to get the amount which was XXXX and total amount after the fee was XXXX. He didnt know he used my card on our joint account and was denied the funds at the cashier cage at XXXX XXXX XXXX due to different names on my debit card. On XX/XX/2023 the fee was reversed and the money went back on my debit card and that transaction disappeared on my bank statement. On XX/XX/2023 i looked at my account and it was debited XXXX for XXXX  XXXX XXXX XXXX  for the second time. I submitted a dispute for that transaction around XX/XX/2023 and received a provisional credit while they investigated the claim. On XX/XX/2023 I received a provisional credit reversal on my account which put me in the negative and also got overdraft charges. I called them and they said the dispute was closed and that I received the money from XXXX XXXX XXXX XXXX  which I did not. They opened another dispute and said I had to wait at least 45 days to see what the outcome is which I dont have 45 days to wait as I have bills to pay. I called XXXX which handles all the cash advances for XXXX  XXXX XXXX XXXX  and they stated the cash advance was not completed and submitted a reversal to key bank. I am submitting my email I received from XXXX stating that I never received the cash advance and also some bank statements that show the money taken out on XX/XX/2023. XXXX dispute number is XXXX. And the original KeyBank dispute number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is continued to my previous complaints listed below : XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Credit Bureau XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX consumer fraud division XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX ( Fraud Victim Assistance Department XXXX XX/XX/2022 Open I provide a police report which I forgot to upload in my last complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX 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. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXXXXXX 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  Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the companies and tried to resolve the matter still nothing
Product: Bank account or service

Opened a account at Wells Fargo had fraud when disputed itThey said no problem opened me a new accountApparently they then decided new was opened to soonAnd they closed it without my knowledgeThey also applied for a credit card for me I did not authorizeOr ask forI then went to another bank to open a accountAnd was told well Fargo report me to check systemFor suspected fraud? I 've been trying to get corrected XXXX now ca n't get a account anywhere!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX in XXXX Arizona tried running my credit when I did not authorize them to. I was attempting to purchase a car from them. But the payment was to high I left and this hard inquiry has remained.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit Card that is being reported on all 3 credit bureaus, XXXX EQUIFAX AND XXXX.
Product: Credit card or prepaid card

I have had a XXXXXXXX XXXX XXXX - Credit card for several years, and all of a sudden, they have stopped notifying me of the balance of their fees most recently, they put a 30-day late payment fee, and although they removed the FEE from my account, they are refusing to remove it from the Credit report. They have been unable to grant me access to the account, yet I can still not log in and or have not received the bills that I view. This is a very troubling matter to me because I am in the process of purchasing a home, and it will hinder me from doing so if this issue is not resolved. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. I really feel like the credit bureaus are taking advantage of me by ignoring my disputes. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. Please help resolve this misleading information.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove the items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, Amount {$8400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX XXXX AC # XXXX, DO : XX/XX/XXXX, Amount {$19000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$14000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.