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

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 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 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.

For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 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 and the HIPPA Privacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164.

These accounts has violated my rights. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( only reported to XXXX & XXXX XXXX, XXXX XXXXXXXX ( only reported to XXXX & Equifax ) XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXX, XXXX and XXXX a XXXX XXXX called and left a voicemail stating they needed a formal statement from me to verify wages and liquid assets. 

XXXX XXXX, XXXX, and XXXX a XXXX XXXX called stating she was from the paralegal office of XXXX XXXX and is contacting me about some paperwork that has come to her for review. The paperwork is marked to be filed through XXXX XXXX XXXX XXXX. I need to contact her or they will have the notice delivered to my place of work or home. She also called my job and talked to my head of the HR department stating the same information to her about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following events occurred over the last 17 years which I believe led to the my identity theft. In XXXX I lost my social security card, in the year XXXX I was affected by the XXXX  data breach, XXXX I was affect by the XXXX XXXX security breach on my account for my children, XXXX I lost my wallet which included my state issued drivers license and other information and I lost my social in the year XXXX as well. I believe the above events led to thieves using my identity to open the accounts reported.
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  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX. XXXX XXXX Account XXXX has violated my rights. Or a 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 or other personal consumer reports

To Whom It May Concern, I am submitting this complaint regarding inaccurate collection accounts that have been reported on my credit file by all three major credit bureausXXXX, XXXX, and TransUnion. These accounts do not belong to me, and despite multiple disputes, the credit bureaus continue to verify them as accurate without providing proper validation. 

Details of the Issue : The credit bureaus are reporting collection accounts that are not mine. 
I have disputed these accounts multiple times, yet they remain on my report as verified without sufficient proof of their legitimacy. 
I have requested that the bureaus provide documentation showing that these accounts are valid and belong to me, but I have not received any adequate response. 
These inaccuracies are negatively impacting my credit score and financial standing. 

Actions Taken by Me : I formally disputed these accounts with XXXX, XXXX, and TransUnion. 
I requested verification and supporting documentation for these accounts. 
Despite my disputes, the bureaus continue to report the collections as accurate without proper validation. 

Requested Resolution : I request a thorough investigation into these accounts. 
If the bureaus can not provide proper documentation proving that these accounts belong to me, they should be immediately removed from my credit reports. 
I request that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and provide a clear explanation of their verification process. 

This matter is urgent as it is affecting my financial opportunities. I expect a timely resolution in compliance with federal consumer protection laws. 

Sincerely, XXXX XXXX
Product: Debt collection

I filed jointly with my husband for the first time this year, and we were told we would get a refund of {$1400.00}. We received a notice stating that our entire refund was being offset to defaulted student loans. My loan servicer XXXX notified me that while I was behind on payments that I had not yet defaulted on my loan or entered " pre-default '' yet. I contacted the debt collection agency ( XXXX XXXX XXXX ) who were very helpful to a point, asking lots of information bout my household income, and lots of info about our expenses. When I asked when i had defaulted on my loans they informed me that they had taken over the loans in XX/XX/XXXX, but they were not able to provide me with info as to who my loan servicer was prior to this.The provided me with number to contact to inquire about this information. I reached out to the loan locator number they gave me and found out that my loans were being serviced by Nelnet prior to them being sent to collection in XX/XX/XXXX. 

In XX/XX/XXXX I contacted a company that was helping people with filing for a debt forgiveness program through the government. The company needed my PIN and asked for {$900.00} up front to use as good faith payment to XXXX ( may have been under XXXX XXXX still at the time ) and they also used up my last deferment I had available to me as part of the process. I would never had agreed to this process if I had not had two other people I know go through this process and have their loans drastically decrease. 

On the XXXX website they have multiple stafford loans listed as consolidated or not owed. And I had assumed that this was because the loans had been paid and processed by the government program I had signed up for. But now I am not sure. I do not remember receiving anything from XXXX that my federal loans were being handed by another loan provider, and if i did i would likely have assumed that due to the program I had worked with that this info did not pertain to me. 

The current loan holder and debt collector have stated that they will help me get out of collection if I make payments that are between {$480.00} and {$440.00} ( both amounts which i have informed them that I can not afford pay ), for a consecutive 9 months, and then my debt would be moved to yet another loan servicer. I was informed that because both my income and my spouse 's income were being used to calculate what I was expected to pay, regardless of what I as an individual were able to pay, that was low as the payment could be made. The only other option offered to me was that I could open another loan through an outside company ( that i would have to find ) and pay off the defaulted debt all at once, and that they would waive the late fees associated with account. If i did not do this, then I would be paying on the total amount due of over {$42000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified XX/XX/XXXXXXXX XXXX XXXX # XXXX remain on my credit report in violation of Federal Law. I have never sign any contract with XX/XX/XXXX XXXX XXXX XX/XX/XXXX and you have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and still you continue to report inaccurate information affecting my ability to secure a mortgage to buy a property due to a low score causing a lot of emotional stress to my family and I. 
I demand the above account be removed immediately.
Product: Credit card

I recently submitted a payment of {$350.00} to Plus Finance on XX/XX/XXXX, making the available credit {$850.00}. I attempted to extend a car rental while traveling out of town, but unable to do so because Plus Finance place a security hold on my account. When I reached out to Plus Finance 's customer care department, an agent stated that a security hold was placed on my account and he needed to transfer my call to the security department. The security agent stated that my card use has been suspended because of multiple canceled payment in their system and in order to use it again, they would need a " Letter of Authorization '' from my bank showing the account as in good standing and active. The canceled payments that the agent was referring to were cancelations of " pending payments '' that were canceled and resubmitted, which should not have ever been an issue in the first place. Editing a payment should not have caused an account hold. Plus Finance withdrew {$350.00} from my account on XX/XX/XXXX, but insist that I submit proof that the account is active for a technical glitch on their end. This makes no sense. 

I contacted my bank and was informed that Plus Finance would have to submit a " Borrower 's Authorization Form '' to request such account data that I would have to sign before being submitted to Plus Finance. This is extremely inconvenient. The last time I submitted payment from the same account was on XX/XX/XXXX with no issue, but all of sudden there's an issue with the bank even though I used the SAME BANK ACCOUNT 3 months ago! 

The level of customer service is subpar. The 2nd agent I spoke in customer service that goes by the name XXXX was rude and argumentative. I asked to speak with a supervisor, but she stated that one was not available and suggested a callback. However, when I declined, XXXX became combative and uncooperative, and released the call. 

It is not my fault that their system flags canceled pending payments as a security threat. This is absolutely unethical and an example of unfair collection practice especially since this company recently withdrew money out my bank account they claim that proof is needed to show that it is active! Plus Finance does not have any written disclosure on their website nor has mailed any notice explaining that any pending payments that are canceled can result in a hold on the account. I don't know of any credit card company that will penalize their customers for canceling pending payments. This extremely frustrating.
Product: Credit reporting or other personal consumer reports

Contacted XXXX and they refuse to remove all of my old addresses. FCRA states all information must be accurate and incomplete XXXX refuses to remove all old addresses phone numbers from my consumer report
Product: Checking or savings account

Cricket wireless was hacked and I was locked out of my account and who ever did this changed my passwords and got themselves into my bank account with chime and obtained copies of my statements showing a bunch XXXX withdrawals and when it was all done XXXX was gone from my account and I did file a dispute x 2 with them they denied and stated we sent you documents and they were sent to my hacked email or cell account. They are no help I dud file a police report because who did this should be in trouble. I have documented everything and changed my email and phone number per chimes request and they used my virtual debit card that I asked them to freeze or get rid of and it was not taken care of so they went crazy with XXXX withdrawals. Chime reps keep telling me not share my information who would do that really. Chime is not owning that I was allowed to be frauded and have this money taken out of my account. The whole time during this I had no cellphone service to see my account transactions until today I had to get a new number account and make a new email. This can't be a right way to treat your customers please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to creditor back in the month of XX/XX/XXXX and XX/XX/XXXX in regards to removing Inaccurate hard Inquiries date on XX/XX/XXXX and XX/XX/XXXX. I received a letter back in XX/XX/XXXX stating that they will remove this information and till date it still appears on my credit report causing me hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under RESPA my loan should never have been reported as late as I am protected from any lates fees and/or late reporting for 60 days within my loan transfer. XXXX XXXX  recieved my loan on XX/XX/2020 and went ahead and reported me late to my credit report on XX/XX/2020 along with charging me a late fee on the XXXX which was finally waived, however they have failed to remove the 60 day late on my credit report which is negatively effecting my current loan application Under RESPA they are required to immediately remove this reporting and fix their violation, instead customer service informed me they would review their mistake, which they admitted and wrote notes on, however it would take up to 60 days, whereas they should have immediately inputted a request for immediate action This is a major violation and needs to be corrected as it is costing myself damages in loan approval based on their inaccurate reporting furthermore they are continuing the negligence by failing to remove the information immediately as required by law instead choosing to give me 60 days for a review.
Product: Checking or savings account

On XX/XX/2020 at XXXX XXXX, I received an email from Wells Fargo, saying that somebody transferred {$2000.00} from my savings to checking on XX/XX/XXXX in the evening. Then, that person used my money to pay his or her XXXX credit card for {$2000.00}. I notified the fraud to Wells Fargo immediately after I read the email. The representative said they need up to 10 days to investigate this fraud. Also, the bank closed all of my checking account, savings account and my debit card. I got all brand new account numbers on both accounts and a new debit card with different number. Then, I called them again two days after that, and they said it will take longer to process, since they need to contact XXXX about this matter. I called them again earlier this Tuesday, they said that they do not have any update. However, they said I could call the bank " if it makes me feel better. '' It was not one of my favorite customer service experience since that person said the sentence not in the nice way. I waited for couple days and called them again this afternoon. They said there is no update regarding this matter, and probably I will get some update the latest on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information reported on my credit report under my name, specifically a bankruptcy Report ID : XXXX, Court US BKPT CT FL XXXX. This information is inaccurate and should be removed from my credit report. 

I would like to explicitly declare that I am the person identified in the credit report and that this is not a case involving a third party, as has been indicated in previous communications, which may have delayed this process. Furthermore, under the Fair Credit Reporting Act ( FCRA ), you are required to report only information that is **accurate and fully verifiable**.

According to my understanding, you claim to have verified this bankruptcy through public records. However, I have confirmed that courts do not report or share bankruptcy information directly with credit agencies. In fact, I have an official letter from the court that explicitly states **they do not disclose bankruptcy information to any credit agency**. This indicates that the information was obtained from a third party, which raises serious concerns regarding its accuracy and my **right to privacy**. 

Therefore, I request the following : XXXX. Provide specific evidence of how and with whom this information was verified, including the direct source ( court or authorized entity ). 
XXXX. Remove this bankruptcy from my report if you are unable to provide adequate verification in compliance with the FCRA. 
By law, I expect this issue to be resolved within 30 days.
Product: Credit reporting or other personal consumer reports

Hard Inquiry- XXXX I am writing this letter for the THIRD TIME to dispute a fraudulent hard inquiry that has appeared on my credit report. I have been a victim of identity theft for the past 6 months, hence the active fraud alert on my profile. I recently unfroze my credit to move forward with an apartment check and in the time that its been unfroze someone has accessed my information. Attached is the XXXX letter confirmation of fraud. 

As per FCRA 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from the consequences of identity theft, I am requesting the removal of the following fraudulent inquiries from my credit report. 

XXXX hard inquiry on XX/XX/2024 I did not submit nor authorize any inquiries from XXXX. I have 0 open accounts or connections to this institution. 

Equifax is pure trash. Let 's start with the " investigations '' they claim to do that are completely useless and no help whatsoever. I am dealing with true name fraud. Every time I submit a fraud dispute it conveniently comes back " verified as accurate '' which is LITERALLY impossible and I'm convinced this entire company is run by retards. 

They don't send follow up letters, they continue to make decisions that DON'T HELP and don't protect my credit profile at all! I'm just letting the problems pile up at this point so I can get a fat check from the lawsuit coming their way. This is absolutely ridiculous!
Product: Debt collection

To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : Capital Accounts. This company opened an account using my personal information with no authorization from me. Capital Accounts has reported to The Bureau that the accounts of the alleged debt are open and active but listed under collections. How can an account show open under a collection status? Capital Accounts has reported an incorrect illegal account to The Credit Bureau without consent from me. The Original Creditor was listed on my credit as XXXX XXXX XXXX which is incorrect. I am a consumer which makes me the Original Creditor. The document requested from this company should show that I agreed to open an account using my name, address, phone number, social security number, etc within their establishment. I do not owe this company and this tactic is listed in the U.S. and State law as identity theft and a HIPPA violation has been violated. They assigned a company identifier number with my personal information attached for an alleged debt that I do not owe. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies due to this oppression.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. XXXX and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Hello- I had a bank account with Wells Fargo XXXX XXXX - XXXX. I see they just settled a lawsuit and I could be owed some money. How can I go about it?
Product: Student loan

I have XXXX loans outstanding with Navient, totally somewhere around {$17000.00}. Until XX/XX/XXXX I was able to make payments, as I was working part-time in addition to receiving XXXX Survivor benefits. In XXXX, however, I had reconstructive XXXX on my ankle which kept me from working. I subsequently filed bankruptcy. The Navient loans were not XXXX, so I called Navient and told them that, while I knew I was responsible for the loans, I was not able to pay the $ XXXX they were requesting because my income was only $ XXXX. I told them that I would pay what I could each month but never less than $ XXXX, which I have continued to do. I acknowledged that I would be receiving their collection calls, but asked that they not call later than XXXX as I rose early and retired early. So far, I am receiving calls as late as XXXX, as often as XXXX calls per day, and receiving them every day until I answer. Once I take XXXX of their calls, the calls stop for that day, but resume within a few days. The conversation is always the same : I acknowledge the loan, explain my current income an inability to pay the {$240.00} they want per month, ask them to make a note on my account, and then repeatedly tell them I can only pay $ XXXX but will pay more whenever I can. We go around and around until they get tired of it and end the conversation. I have made good on my promise of sending $ XXXX. On their side of things, they will not accept that I can not afford to pay more, nor will they work with me to pay less per month, such as income-based. I was prompted to write to you because, having missed XXXX calls from them yesterday because I was n't home, the first call came in at XXXX this morning and my caller ID indicated " XXXX XXXX when, in fact, it was Navient calling. I rather doubt that XXXX would appreciate being used as a cover for Navient collection calls. I have just made, and they 've accepted, a payment for {$20.00}, even though I could better use that money toward groceries. I am at a loss as to how to proceed. I do n't need Navient calling 3 times a day, and I can not pay more than what I am sending them. We 're at an impasse and I need your help. I 'm also concerned that using a false name to fool people is more than just underhanded but may be fraudulent practice.