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

Equifax, XXXX, and XXXX have continually violated the FCRA and my rights from providing my credit report to unauthorized agents, to providing negative remarks on my credit report that are not factual, to stating that all accounts are paid timely one month to having 3 accounts with negative payment histories the next month with NOTHING CHANGING.

When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur?

Reporting a debt as charged off, when it was settled or paid off.

Reporting late payments when your payments were timely.

Reporting old debts as new ones.

Reporting that an account was active after it was voluntarily closed by a consumer.

Failure to report that a debt was discharged in bankruptcy.

Reporting information that is more than seven years old ( when XXXX XXXX bankruptcy notices should lapse ) or 10 years old ( XXXX  XXXX bankruptcy ). 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ). 

Mixing Files Mixing files with someone else who has similar background information ( sometimes as careless as failing to distinguish the XXXX and XXXX in similar surnames ). I have repeatedly sent my information regarding my correct name, address, and spelling on my name to no avail. 

Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. Sometimes, agencies fall short in these areas. 

Debt Dispute Violations for Creditors Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported, conduct an internal investigation of disputes within 30 days and provide a reasonable procedure to submit a written dispute or report of identity theft, which THEY DID NOT!!! 

Privacy Violations Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial.
Product: Credit card or prepaid card

In the attempt to make a payment on the due date, it processed the next business day leading to a late fee for an account that I made full payment. In addition to the late fee I received finance fees for an account that should be interest free based on the amount of the purchase ( promo ).
Product: Student loan

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S.

Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( XXXX XXXX. XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : XXXX. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
XXXX. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
XXXX. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
XXXX. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because XXXX, transunion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Product: Checking or savings account

My Bank over charge me twice for Overdraft fee which is not right.
Product: Debt collection

Sentry Credit Inc just recently within the last couple of days reported an account for {$200.00} to all three ( 3 ) credit bureaus which in turn caused a collection account affected my credit rating and showing a have a bad debt. The original creditor was the XXXX XXXX, in which I never lived here I applied for an apt back in XXXX of XXXX. The administration and application fee was {$200.00} in which I paid via my debit card. I called the apt complex at least 6 or 7 times to check on my application status and this was over a two ( 2 ) week period even left five plus voicemails. I even stopped by the office and they had a note stating you had to call they were not allowing people in the office because of COVID. The apt complex never processed my application or returned a phone call. At this point I had been waiting over two weeks for an application to be run and processed. I called once more and left a voice mail stating you all never processed my application so I would like a refund for the {$200.00} I paid. I waited another ten days still no response from this irresponsible company. I did the best and correct thing, I contacted my bank and filed a dispute for a refund due to me not receiving the services I paid for. This company not only sold my info but allowed a credit agency deemed my credit file for a debt that I dont owe. This is my first and last time disputing this with Sentry even though they never sent anything in the mail but slapped this incorrect debt on my credit file. If this debt is not removed from credit filed and zeroed out and the account is not closed immediately, I will be filing sue against The XXXX and Sentry for court cost, damages, unlawful and unfair practices. Also, for time off work to go file a sue plus gas and mileage to get to the court house. I take this very serious I dont owe this company any money at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been harassed by XXXX XXXX XXXX regarding my account status. Since XX/XX/XXXX Ive expressed to XXXX XXXX XXXX Ive been unemployed and battling XXXX XXXX, in hope they would help me with repayment option to keep my account open. However, not only have I been charged annual and monthly service fees including constant increases, but I have also been harassed daily to make payment which even though I told them the law that went into effect in XXXX, they disregarded the bill collection harassment act, therefore I was forced to make the payments in fear of my personal information being shared and or reported incorrectly. Im attaching all the documentation in hope to provide more. My account hasnt been closed by my request, which I spoke with XXXX XXXX today XX/XX/XXXX, yesterday XX/XX/XXXX last week and each week after XX/XX/XXXX until recently discovering this illegal activity
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX service as I am a customer with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with the Credit Bureausr firm, or provide me with the exact source where the Credit Bureaus received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX Balance Owed : {$0.00} - Previously Late/Open XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account XXXX Creditors in the United States must charge-off revolving credit accounts after 180 days, while installment loans must be charged-off after 120 days of delinquency. Section 166 of the Internal Revenue Code requires such declarations to support tax deductions for bad debts. My payment history was 100 % and then was immediately charged off without any notice. On top of this, XXXX XXXX is reporting a charge off amount that was covered in my XXXX insurance. Third, XXXX XXXX has been reporting the account as past due after the charge off. 

I have asked the credit bureaus to do a proper investigation yet all the inaccuracies still appear on my credit report after they " investigated '' These are serious legal violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I sent a letter to Equifax asking that they investigate some questionable inquiries on my report. I asked for XXXX XXXX compliant ( required per their OWN definition of their XXXX XXXX ) documented results that the investigation had actually taken place - as they failed to even do the investigation previously. <P/>On XX/XX/XXXX I opened my mail and received 2 letters from Equifax both dated XX/XX/XXXX. <P/>The first was a stall letter saying that inquiries are a factual record of a credit application ( NOTHING to do with what I asked or requested and was nonsense ). <P/>The second was a set of results saying the SAME THING! Worse yet? They ADMIT that investigation DID NOT TAKE PLACE. <P/>This is an intentional violation of my rights under the FCRA. <P/>I called today ( XX/XX/XXXX ) at XXXX. I was on hold for 53 minutes and told by their rep " XXXX '' that it is impossible to investigate inquiries, I was told by some foreign person that she did n't understand inquiries ( what? ), and I was transferred to a HOSTILE " supervisor '' who would only identify herself as XXXX who said she would n't do anything. <P/>To each of these people I explained what I had asked in my letter and what the responses were. Each of them gave me nonsensical silly answers. I explained a knowledge of my rights and that I work for a LAW FIRM specializing in FCRA and Credit Law - and was told by " XXXX '' that she would no longer talk to me. <P/>ALL I WANTED is my BASIC rights. EQUIFAX is a scam company clearly who has no problem doing UNETHICAL and ILLEGAL things to consumers. <P/>Best part? I told them that I would contact the CFPB. They laughed and said " the CFPB is useless! '' So, please do n't be useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending countless letters appealing to Experian to verify the disputed items and remove them if unable to prove that the Items are mine. Experian is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit from or receive goods or services from the alleged accounts. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

GOLDMAN SACHS DID NOT SAY I CAN BUY TREASURY BILLS. 

MY QUESTION IS CAN I BUY TREASURY BILLS WITH MY ACCOUNT?
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is discriminating against businesses and individuals involved with the legal purchase/sale/use of firearms/guns. They do this by increasing the interest rates and down payment requirements for those involved with Second Amendment lawful business activities. The Bank uses personally identifiable information ( PII ) to monitor and deny financial services to individuals and companies who are engaging in completely legal. This is inappropriate use of their considerable size and financial influence.

I must point out that the US government bailed our Bank of America during the financial crisis, of which BoA was a major cause. They have used the bailout from the taxpayers to pay their executives higher bonuses.
Product: Mortgage

Loancare assumed my mortgage from XXXX in XXXX/ XX/XX/XXXX. I wasn't notified that Loancare assumed they loan. Loancare sent information to my wife 's address. I received information from XXXX that payments should be sent to Loancare. 

Loancare approved a loan modification of payments of {$870.00}. Payments were made to Loancare for this amount for several months. My ex-wife is listed on the loan modification payment. She lives 2 hours away and works second shift. By the time the paperwork was completed, Loancare stopped receiving the payments of {$870.00}. 

I have tried several times to get this issue resolved through Loancare. I have only received a few billings from Loancare in XXXX. I have sent several letters and spoken on the phone several times yet the issue remains unresolved. 

I spoke with XXXX  XXXX  yesterday who they said I owed {$7500.00} ( yes a different mortgage company provided the information that Loancare would not provide ). I sent {$3100.00} on XX/XX/XXXX. I have the balance of {$4300.00} that I can send on XX/XX/XXXX.
Product: Credit card or prepaid card

There is allegedly a HARD INQUIRY on my credit from XXXX XXXX XXXX 

According to my credit report, this inquiry will remain until XX/XX/2024. I never heard from XXXX XXXX XXXX received a credit card from them. 

How are they able to make a hard inquiry on me without my permission?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX has violated my rights. Under XXXX XXXX XXXX XXXX XXXX states I have the right to privacy. Under XXXXXXXX XXXX XXXX XXXX XXXX XXXX section XXXX it also states a consumer reporting agency can not finish an account without my written instructions. Under XXXX XXXX XXXX a creditor may not treat a payment on car payment account under an open consumer credit plan as late for any purchase
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : 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 seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) Section : States a person shall not furnish any information relating to a consumer to any reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XXXX XXXX, fraud had occurred on my chime bank account for {$2800.00}. I have called chime multiple time. I sent chime multiple proof on to why its not me that made those transactions!. Chime has denied my disputes 3-4times. Each time they denied my dispute they come up with some lousy reason to why the denied my disputes. I sent multiple attachments to you guys showing the proof i sent to chime and what chime reason for denying my disputes! Also i even sent screenshots to how they change my phone number to a XXXX voice number for they can access my account. But chime doesnt seem to care. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Violation : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

After researching my state treasurers website ( SEE ATTACHED SCREENSHOTS ) I found that Experian and several of these " creditors '', are NOT legally licensed in the State of Texas to operate as a debt collector or reporter. I have reported the bureau to the Texas State Treasury Violation Department. I have been notified that the illegally operating consumer bureau must delete the false information from my file or receive legal reciprocation. 

The following must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I noticed EQUIFAX has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EQUIFAX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EQUIFAX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EQUIFAX permission to furnish this information. Fact, I never gave consent for XXXX XXXXXXXX to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Student loan

Student loans being reported by XXXX XXXX, Navient, XXXX XXXX XXXX and XXXX. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 

I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently back in XX/XX/XXXX, I visited the doctor ( I was still under my parents insurance plan ), and my insurance supposedly did n't cover any of the expenses. I had no knowledge of the debt being owed until I began applying for loans, credit cards, auto financing, etc. So once I found out about the debt, I called the collection agency it was with and asked for a copy of a detailed bill ( which they were never able to provide ). The debt was then transferred to a different collections agency who attempted to call me everyday at XXXX XXXX while I was attending class in college. I was finally fed up with the collection efforts ( since no one could explain the debt and why the insurance did not pay it ), and disputed the charges through XXXX who found my claims to be accurate and removed the derogatory account from my credit report. Now, the other agences ( XXXX, XXXX ) will not remove the item as they say it is accurate. I do not undersatnd 1. Why my insurance did n't cover this debt ( my XXXX had state benefits because he was a XXXX XXXX at the time so he had really good insurance ) 2. Why this debt is still showing up on my credit report though it was removed by XXXX but is still reported by the others and 3. Why no one can provide me with a detailed bill. It has been 5 years of putting up with this nonsense and I refuse to allow this to impact my ability for financial success and one day owning a home
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my credit report, which I brought to the attention of TransUnion on XXXX To date, I have not received a response from TransUnion regarding this matter. Below are the specific details of the inaccurate information and the necessary corrections : Account Information : Account Name : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Credit Limit : {$7000.00} I would like to emphasize that the mentioned account was never late. Therefore, I kindly request that TransUnion promptly removes the late payment designation associated with this account.