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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) Insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from the Fair Credit Reporting Act. 


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 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 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 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 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 Please remove these inquiries from my credit report immediately. 

If any of these companies purport a hard pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of person who pulled my credit.

2 ) Date they purport that I gave permission. 
3 ) Method, they purport I gave permission. 

Please send me a new credit report reflecting the changes. 

Thank You, XXXX XXXX NOTE XXXX PLEASE SEE ATTACHMENTS
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX and list of Inquiries. 

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

On XX/XX/2021 I sent dispute letters out over 60 days ago regarding information being reported on my credit report that is a HIPAA LAW VIOLATION. I have not received a response from the parties involved. 
I received a copy of my credit report and the listed accounts that are reporting on my credit report are clearly disclosed in my dispute letters, with my personal information, the providers that shared my health information with third parties and the account numbers. I am very concerned about this matter and highly need a response with a investigation into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID-19 and despite being laid off I have been doing my best to pay off bills that were on my credit report. I worked with the actual creditors regarding pay off and then sent the letters indicating the accounts have been paid off and the balance is XXXX as apart of a settlement. I have sent the information to XXXX, XXXX, and Transunion however the information still remains that I have balances on the paid off accounts. 

XXXX ( these accts are all paid off ) : XXXXXXXX XXXX ( # XXXX & XXXX ), XXXX XXXX ( XXXX, & XXXX ) XXXX ( # XXXX ), XXXX for {$150.00} ( I am unfamiliar with this account and asked for reinvestigation but no response ). XXXX XXXX on ( XXXX paid off medical acct that should have been deleted after XXXX according to law ). XXXX : ( XXXX-The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ). 

TransUnion : XXXX XXXX ( paid off with XXXX balance # XXXX ), XXXX : ( XXXX-The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code.  This is to be deleted from my credit ). XXXX XXXX XXXX ( XXXX paid off XXXX XXXX for {$120.00} ). 

XXXX ( These accts are all paid off with a XXXX balance however still showing I owe monies : XXXX XXXX ( XXXX, XXXX, & XXXX ), XXXXXXXX XXXX XXXX XXXX  ( # XXXX & XXXX ), XXXX : ( XXXX-The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ).
Product: Credit card or prepaid card

I recently changed names. I contacted Citibank customer service to get the change processeed, and was asked to snail mail a copy of the court order. I do so, and got a email confirmation saying my name had been changed. 

When I log into the account service center website, my old name kept coming up. I contacted Citibank customer service, spoke with someone with very broken English, and she was not able to get this sorted out. She wanted me to send the court order back in the mail again, despite me getting a confirmation that the change had been made. I told her it would be easiest to likely close the account. She asked me if I wanted to close the account and I said yes, but I wanted to change my address first. I told her I would call back another time to close it out. 

Around XXXX minutes after we disconnected, I got an email from Citibank saying my account had been closed. When I got the email on my phone, I called them back and stated that I did not authorize the account to be closed, was not read any disclosures or terms to close the account, and would like the action reversed. Nothing has happened yet. 

My credit scores are nearly 800. I had this account for several years and if its closed, it'll lower the average age of my credit history, thus lowering my credit score.
Product: Debt collection

If I am one day past the due date I receive in the upwards of 10 calls a day from Conn 's XXXX and I have answered the phone and gotten no response at times. I have even been contacted after XXXX and on the weekends.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. 


Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer reportcontaining any of the following items of information : Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : { dispute_item_and_explanation } By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Product: Debt collection

There is an inaccurate collection on my credit report. I sent a DEBT VALIDATION AND VERIFICATION REQUEST to T.C.S on XX/XX/23 via certified mail. I have not received the requested information at the time of writing this. The account is now showing as closed as of XX/XX/23
Product: Checking or savings account

I spoke with a bank representative from USAA on XX/XX/2018 who asked me about 2 attempts to use my debit card in another state at a XXXX, and a XXXX XXXX that USAA blocked. I told them I had not been outside of XXXX, SC in the last few months. They stated no problem, and that they would put a fraud block on my account, cancel my debit cards, and reissue them. 

I noticed on XX/XX/2018 that fraudulent charges had posted to my debit card authorized XX/XX/2018 totaling {$3400.00}. Upon further review, I found that a fraudulent telephone transfer was made through someone impersonating me in the amount of {$4600.00} which posted to my account on XX/XX/2018. I do not make telephone transfer deposits, and I do not think I've ever made one. 

I am a Social Security Administration employee who was included in the data breach a few years ago.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft as a result of a data breach. 
Fraudulent accounts and unauthorized inquiries have been added to my credit file without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$76000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$0.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX  - XX/XX/XXXX 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

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U S C 1681 Section 602 A Section 2 : It also 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Greetings, I send several letters with regards to getting information regarding the status my accounts. 
Navient did not response to any of my documents send to them certified mail with return receipt received by Navient on XX/XX/2018. I forwarded all my information to the 3 credit bureaus as well. 

In addition to my letter, Navient reported inaccurate information on my credit report soon after I ask for current status regarding the account ( s ) open in question.

Never received a bill, late payment notice of 30 or 60 days etc ... Just 1 letter was send by Navient after I send my request for validation of accounts did they threaten to report delinquency on my credit report. 
Please see all documents uploaded on this complaint.
Product: Student loan

I am writing to complain about a 3rd party Student loan provider that might be associated with the CFPB v. Monster Loans and Associated Student Loan Companies File Number XXXX 

My name is XXXX XXXX XXXX XXXX : XX/XX/XXXX ( XXXX ) XXXX In looking at my banking statements and the name of the company is listed as XXXX. which has taken {$39.00} monthly payments since about XXXX or XXXX. They have done so on the promise that I pay for 20 years without missing a single payment - the remainder will be forgiven on my student loans. This is a similar name to one of the stated companies in the original CFPB lawsuit mentioned above. The similar name ( s ) are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  . The initial ( 3 ) payments on my own statements that may have started XX/XX/XXXX are listed as XXXX. Soon, the provider name changed to " XXXX ''. I was forced to pay continuously through the halt of payments to student loans federally, with covid emergency relief which i was suspect of. 

I do in fact have a national service SL provider XXXX, which has just notified me my student loans qualify for Federal Forgiveness and we are in the process of finalizing this. 

The names seem so similar, and I know companies can have several XXXX, while also recording the payments in my banking system they may use alternate/shortened/subsidiary information. 

I agree that his company has unlawfully collected advance fees for debt relief services, and also may have violated the Fair Credit Reporting Act ( FCRA ) by marketing debt-relief services.
Product: Credit card

APPLIED FOR AN OPEN ENDED CHARGE CARD WITH AMERICAN EXPRESS AND WAS DENIED AFTER PROVIDING REQUESTED NFORMATION ON APPLICATION/ASSET BACKED SECURITY. THE APPLICATION WAS DENIED DUE TO HIGH CREDIT LIMITS, XXXX SCORE AND INNCURACTE INFORMATION ON CONSUMER CREDIT REPORTNG.WHICH WAS POVIDED BY THRID PARTIES I BELEIVE THIS IS DISCRMINATION AND FEEL AS IF THESE ARE DECEPTIVE PRACTICES BEING USE. I PROVIDED YOU WITH AN ASSET BACKED SECURITY AND YOU DENIED MY APPLICATION. THE APPLICATION/ELIGIBLE RECEIVABLE IS/WILL BE TRADED ON THE SECONADRY MARKET.I DONT WANT TO REPORT THIS AS SECURITY FRAUD. PLEASE DONOT MAKE ME REPORT TO SEC FOR SECURITIES FRAUD ALONG SIDE WITH HAVING MY ACCOUNT AUDITED. SEE UPLOAD
Product: Credit card

I attempted to contact USAA credit card company. XXXX from XXXX Ky stated that I would only be able to contact a call center and that I would no longer be having access to USAA the company. I explained this is a member only company and you should be affiliated to the military in some form. I am having problems with neighbors attempting to assume my identity. They have had copies of my credit card statements separated. In the past there was a XXXX and I never received it. I was only able to deal with the call center for this as well. I also, got a refund from XXXX XXXX through XXXX in months past that I never received. Now, I am having problems with XXXX orders being charged double. Other orders referenced than supplied by XXXX. I was attempting to get this XXXX order rectified. I contacted USAA because I was notified via email that they suspected suspicious activity. I only wanted to clarify that my reward points are back on my statements. Also, that my credits are not going to one of their employees as I was told they had some problems with employees. I want to know if my bank statements are correct and also that my credits are not going to an employee that has a copy of my credit card that I never authorized. I 'm told a person by the name of XXXX had my credit card in her hand. I place orders on line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my report is reflecting late payments on two accounts from American Express. These items are inaccurate because both accounts are paid in full and in good standing. 

AMERICAN EXPRESS : # XXXX AMERICAN EXPRESS : # XXXX I am requesting that the item be deleted to correct the information. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible. 

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. Thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX.
Product: Debt collection

My debt was XXXX because of XXXX fraudulent practices, which XXXXXXXX XXXX XXXXXXXX was well aware of. They passed the collection off to National Enterprise Systems who keeps attempting to collect. Ive told them that they can check with XXXX XXXX and/or Department of Education for XXXX, but they insist on pursuing the XXXX debt and I want them to stop. Please make this happen.
Product: Student loan

When took out this loan it only covered a small fraction of the amount I needed to attend school and I was and am currently repaying for the loan. I am struggling to repay this debut due to the fact that I never received a degree I kept running out of financial aid funding. I dont mind paying for something I utilized but if I didnt receive the benefits of a degree that I feel Navient does not deserve my hard earned money. I have a family to support. I am a single parent and my daughter now wants to attend college and I cant even help her..
Product: Debt collection

Received a mail from Debt Collector ( Portfolio Recovery Associates, LLC ) stating I owe a debt of {$370.00}. I do not own this debt. Requested that debt collector provided signed agreement that I owed and agreed to pay this debt. Debt collector has refuses to provide signed agreement.
Product: Credit reporting or other personal consumer reports

I have called early warning systems and spoke with several people. I have never received any information. No one will help me to understand what is happening. I have never messed up my checking account I do t understand. I have filed fraud reports and helped to give I for Auto. On fraud to the FTC. I was told to make a plan. I did everything and now everything g has been take. From me including the ability To have a checking account. I called early warning system and they refused to help me.
Product: Checking or savings account

On XX/XX/XXXX I called Wells Fargo because someone used my debit card. Ive been sick on and off in and out the XXXX so once I got The alert I called and open claim XXXX which totaled XXXX once the claim was complete the lady told me to review my account once Im able to access my account. After doing so I saw once more transaction for XXXX which went under claim number XXXX because they couldnt update the previous claim she transferred all the information from the claim ending in XXXX to XXXX. I got statement dated XX/XX/XXXX telling me the XXXX was approve but I have another letter dated XX/XX/XXXX telling me the XXXX which is the exact same claim was denied. I called And was hung up on 6 times on XX/XX/XXXX after receiving the letter to get information on how you can approve one claim but not the other when there the same claim.The context from claim XXXX was copied and pasted for claim XXXX. I have XXXX  issues involving a XXXX XXXX which I explained to the rep impairs my memory so I had to write my pin on the back of my card, I just got out the XXXX  on XX/XX/XXXX from a XXXX XXXX then having to call to deal with this process is starting to become stressful. After 2 hours and being disconnected on several times the last rep XXXX told me the claim was denied because the transactions werent posted to my account which is different resolution than what was provided by the XXXX lady I spoke To before being hung up on by a supervisor and the letter. So not only am I being hung I also getting the run around and different information on my claim which is very alarming being theres a disconnection in information being present from a financial institution to their consumers.
Product: Checking or savings account

Hello, I am reporting Charles Schwab for insufficient account opening requirements regard XXXX  and XXXX  that have result in several ( XXXX as of today ) bank accounts being fraudulently opened using my information. I have contacted the company twice to be told that they do not require anything beyond my ssn, XXXX, and name. On this recent contact on XX/XX/XXXX, I spoke with the security team. She advised me I could not speak to fraud or identity theft. And she confirmed no documentation was provided such as DL number or photo id. I asked for them to block further accounts being opened to which they said they could not. I continue to receive consistent statements, letters, and debt letters on the fraud accounts even after I reported it to the company. 

I do not feel that this financial institution is aligned with XXXX and XXXX  requirements regarding account opening or addressing fraud.
Product: Debt collection

To obtain student loans my personal information was submitted to the Creditor without my knowledge and without my personal signature to validate any of the information given by the individual who received the loans. I requested over and over again for the company and collection agencies to please stop all collection efforts toward me. I provided proof that the signatures on the applications, did not match my signature, the spelling of my last name, address and place of employment all are incorrect on their loan applications. I disputed the accounts because they are NOT MY LOANS, NOR DID I CO-SIGN for these loans. These loans were granted to the individual without my knowledge and without any request from the creditor asking for approval as a co-signer. I am getting repeated requests and notices from different collectors to pay these loans. I have asked for collection actions to stop and for them to remove the negative infomation from my credit record. My requests go as far back XX/XX/XXXX via phone conversations, then via writing starting in XX/XX/XXXX. Now, they have turned this over to an Attorney firm that is once again sending notices threatening to take action. These are not my loans and I need this to stop as soon as possible and removed from my credit record. This is interfering with my health and XXXX to stay focus.