23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 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 ( CREDIT COLLECTION SERVICE ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX XXXXXXXX XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Product: Student loan

After reading the summary of the suit against Navient I just wanted to add my issue with releasing my parents as co-signers from my loans. As stated in the complaint the policy states that you must make a number of on time payments. I have been on autodraft for over a year ( an incentive to reduce my interest rate ) so I have met this requirement but when I called they told me I had to have made 1 year 's worth of on time PRINCIPLE payments and since I had been on the interest only repayment plan I did n't qualify. I could n't find this online anywhere but understood and accepted the explanation. I have since been trying to remember to pay a separate $ XXXX/mth to my loans in order to meet the requirement but I have missed this more than once in the last 4 months. I was planning on just calling again XX/XX/XXXX which is 1 year from when I 'd called and trying again. I do n't know if my situation is evidence of any wrongdoing but I wanted to share since it differed just a little from what the complaint summary outlined. 

Thank you for fighting for us. Graduating XX/XX/XXXX during the recession was not easy and while I 've worked hard to stay on top of everything it 's harder than ever for my generation to deal with these mountains of debt and still be expected to have lives to the standards of our parents or better. We were raised believing we could do anything or be anything and that hard work and education pays off, but the world is different and all our fundamental beliefs are wrong. My boyfriend is XXXX younger than me, did n't graduate from college and still was able to get a job and progress to buy a house at the age of XXXX. Now he 's XXXX with a home and an expensive car and no student loan debt and has made more than me since we met XX/XX/XXXX. I am XXXX with a degree and while I am able to manage my car loan and student loans I ca n't imagine being able to buy a house or even pay rent ( which is pretty cheap in XXXX compared to the country averages ) and we are n't married and neither of us has any children. I ca n't imagine being in my parent 's situation at this age, they had XXXX kids and a home and my dad has a degree but my mom does n't and how they managed just blows my mind and I 'm so grateful to them for being great examples. I am lucky that my student loan debt has at most been between $ XXXX-XXXX/mth and I am within 2 mths of paying off my Federal Sub loans but I will still be paying Navient for the next 10 years unless something magical happens. My situation is so much easier than most, but I also know how student loan debt can paralyze you and how 9 years after graduating it still is n't paying off for me. 

Thank you for all you 're doing.
Product: Checking or savings account

SoFi has locked my money account due to supposed " fraudulent activity '' on XXXX after I phoned in to simply add my SoFi credit card to XXXX XXXX. They had my old phone number on file with the credit card after I updated my SoFi profile with a new phone number so the customer service agent had to contact their security to see why the account wasn't updated after I changed the number via the app. 

They locked my account that following morning. Not my credit card but my MONEY account with all my finances. I called the number they provided for inquiries, but you're only allowed to leave a voice mail. 

I called the account customer support to speak to a human, and they told me I simply have to wait for one of their security team members to call me. Meanwhile all my money is frozen. I asked her if I was not supposed to be able to buy food or eat and she replied, " yes sorry for the inconvenience. '' A complete joke of a company. Do NOT give them any of your money. They can lock it and essentially steal it from you for literally any reason then not allow you to speak to anyone. The only " fraud '' protection you need is from SoFi themselves.
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit, I sent out multiple letters to Experian but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681/ ( 5 ), 15 USC 1681c ( c ). 
Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing.
Product: Debt collection

Someone used my name for a apartment in a state I never lived in I asked for a copy of the lease on XX/XX/2023 so they can see its not my signature I also offered to send my ID so they can see its not me I need this debt off my credit report
Product: Debt collection

I contacted the collection agency ( Ad Astra Recovery ) several times and they continue to tell me that they can not provide me with proof/paperwork showing my ownership of a debt for {$500.00} with XXXX XXXX taken out in XX/XX/2013. I told them its on my 3 credit reports and is the only negative item. I disputed the {$500.00} several times and still can not get proof of this debt. I was told that they flagged the debt as fraud and to provide a police report then they will investigate. XXXX County refuses to let me file a police report from a debt dispute from XX/XX/2013. I am going in circles and this is my worse nightmare.
Product: Bank account or service

I have had a checking account with Suntrust Bank since XX/XX/XXXX. I have a direct deposit go into my account monthly. I am a XXXX. I own XXXX rental properties. XXXX tenant pays rent with money orders, and the other pays with a personsl check from his Suntrust account. On XXXX XXXX, I deposited a {$750.00} money order given to me by XXXX tenant, and the next day I deposited the other tenants {$500.00} personal check. XXXX deposits showed up on my account ledger balance by XXXX/XXXX/XX/XX/XXXX. The tenant who gave me the Suntrust check for {$500.00} had stopped payment on XXXX, after I had already deposited for some reason. Suntrust then placed a hold on the {$750.00} money order until XXXX, telling me that they were unable to verify the money order. I had a copy of the money order and called XXXX XXXX and was told it had been paid on XXXX. I called Suntrust on XXXX and they would not release the hold, and then informed me that my account was being closed because of suspicious activity. I visited a Suntrust branch and was told it was the stop payment placed on the {$500.00} rent check my tenant gave me that prompted my account to be closed, but also was informed that his check was a good check regardless. I was blocked from online account access, and being a week before the XXXX tax deadline, this caused a big headache! I also pay bills online the XXXX ten days of the month, and payments were returned, late charges applied, and no valid reason for the paid money order to be held during this time by Suntrust. I was told repeatedly rhat I would receive a letter in the mail explaining why Suntrust closed my account. The letter came XXXX, it only stated my account was closed due to fraudelent activity, according to the bank 's rules and regulations. The decision is permanent and I would receive any remaining funds in my account by mail within 3 days. The letter was dated XXXX/XXXX/XX/XX/2015. No other information or apology is given. Suntrust put me in a financial crisis. Two weeks with no debit/atm card, no cash, bills not paid, creditors calling, not able to take action against tenant in a timely manner, Income taxes not finished, and no answer to why all this is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. MY INFO WAS USED TO FRAUDULENTLY OBTAIN GOODS IN MY NAME. PLEASE BLOCK ALL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE CIRCLED ALL FRAUDULENT CHARGES ON MY CREDIT REPORT. MY INFO WAS ALSO LOST IN THE XXXX  BREACH. I AM AN ESSENTIAL WORKER AND MY LIFE HAS ALREADY BEEN DRAMATICALLY IMPACTED BY COVID-19. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS ISSUE. 

XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

I bought products off XXXXXXXX XXXX  website on XX/XX/XXXX for {$120.00}. I returned this purchase on XX/XX/XXXX and was supposedly credited {$120.00} on XX/XX/XXXX. However, I was never credited anything because my bank account was still charged {$260.00} when it should have been charged {$260.00} - {$120.00} = {$140.00}. I called them the first week of XXXX -- sorry, I forgot the date. The customer agent claimed he created a ticket of the issue. By the end of XXXX, the money had not been returned. I called them back on XX/XX/XXXX, and funnily enough on their end everything looks good because the account was " credited '' with the return, but it wasn't as they still charged me for that product. The agent again claimed to have created a ticket about my claim. It's now XX/XX/XXXX, and I have not heard back AT ALL. Not an email, not a call. I am done dealing with their ineptitude and non-action, and I want my money back.
Product: Debt collection

On XX/XX/XXXX and XXXX, I disputed the validity of the debt, and requested the following to provided to me to validate the debt : To whom it may concern, I am writing in response to your letter dated XX/XX/2020, ( copy enclosed ) because I do not believe I owe what you say I owe. 
This is the first Ive heard from you, or any company on this matter, therefore in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts, I respectfully request that you provide me with the following information : 1. Proof that you actually own this debt 2. Statement from the original creditor providing the amount and complete payment history 3. Copy of the SIGNED loan agreement and/or credit card application/contract 4. Copy of a cancelled check from me to the original creditor 5. Proof that you are licensed to collect debts in the state of Georgia Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company. 
I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting They have not provided the requested information and are continuing to report negatively on my credit report which has caused my credit scores to decrease and causing me to get a higher rate on an auto loan.
Product: Money transfer, virtual currency, or money service

i have an account with COINBASE so i was trying to get refunded thru bit connect with customer support and what they did to make it easier THE process they guided me on a share screen and needed my wallet address TO REFUND they made me send like $ XXXXto XXXX next thing it happened they empty my XXXX   account from COINBASE for about XXXX XXXX coins value at over {$34000.00} on XX/XX/2018 called 10 minutes after it happened to coinbase and they gave me case number XXXX and they locked my account right away and said a specialist would take over i only have a confirming email stating that somebody will get in touch soon i called again on XX/XX/XXXX and they say they got no response and was never seen by level 2 specialist and They were gon na put a higher priority so it can be contacted and no time frame at all being that i called after 10 minutes and when i tried cancelling online i wouldn't have an option to cancel luckily found the XXXX number thats when i called so I'm really desperate for help looking at previous reviews they said it could take months to get it resolved so just trying to get ahead and see i was hoping transaction will be cancelled since large amounts it could take time to be released so 10 minutes should've been more than enough I'm waiting for my account to be reopened with all my funds included if you can intermediate so get this issue resolved it will be greatly appreciated and if you have any suggestions on how to handle this org if i need to report to police authorities
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX XXXX reported Delinquent, which incorrect, was dispute and was trying to correct 2 ) XXXX  Credit Reporting wrong information on Delinquent, and recent credit inquiries 3 ) XXXX Credit Credit Reporting wrong information on Delinquent, and recent credit inquiries 4 ) Experian Credit Reporting wrong information on Delinquent, and recent credit inquiries
Product: Mortgage

Wells Fargo sent 4 loan modification packages. I signed the first one on XXXX XXXX, 2015. 
It stated there was a HUD partial claim. There were 3 other packages sent XXXX XXXX, XXXX XXXX, XXXX XXXX. No partial claim was available. I am a XXXX veteran. The equity in the home went down from XXXX to XXXX. The last payment of principal and interest was XXXX. The loan modification put interest and escrow on top which is XXXX. The home is structurally unsafe and was ransacked/vandalized. The home is not livable. I put a claim in to the insurance company because there was prior damage. And they stated it was below {$1000.00} deductible. XXXX XXXX the loan preservation specialist at Wells Fargo did not determine it was fair market value. I calculated the NPVand it went down to XXXX with 480 month term of XXXX. I keep getting the run around from Wells Fargo. This is a VA guaranteed home loan. I contacted the VA Virginia XXXX Loan center and they said fair market value. They said I would decline the loan modification and send 'Deed in lieu of foreclosure '' to Wells Fargo and Wells Fargo would send it to the VA loan center to sell the house.
Product: Consumer Loan

We had a principal balance of {$18000.00}. We paid nearly {$25000.00} over 4 years. Despite paying principal and interest, our 2008 XXXX XXXX vehicle was still reposessed. We are out of {$25000.00} and a vehicle. To make matters worse, Santander auctioned the vehicle for {$4000.00} and is now asking us for an additional {$11000.00}. Santander has been paid nearly $ XXXX on an $ XXXX loan, and still wants $ XXXX. This is predatory. If it is not criminal, it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

well first off I am very angry and disappointed that XXXX and Equifax and their fraud department decided to keep reporting a collection that I disputed as identity theft I did my research on the matter and even did what they told me to do which was file a police report to get the account deleted I also filed an complaint with FTC and CFPB and sent all documents to XXXX XXXX XXXX who are the ones reporting this fraud information and I sent these documents to XXXX XXXX Equifax also filing a dispute with them both to but now they are back reporting this fraudulent account, identity theft account saying its a 100 % accurate they are basiclly parroting information not caring about any laws while doing it. Its like they really want to see if you will sue them but trust me i'm ready now this is my last complaint and final notice, and removing inaccurate information is also an admission of guilt I hope they know that. Its like anybody can make up anything about someone and report it to these credit reporting agencies like XXXX & Equifax and all XXXX XXXX Equifax do is automatically say its yours its a 100 % accurate pay it its nothing you can do about it all the other big companies will agree with us. So we will keep reporting this fraud account and get paid doing it while we force you to still pay on an negative collection account thats not even yours thats XXXX XXXX Equifax for you. I need this XXXX XXXX XXXX account deleted immediately I refuse to risk my freedom reporting a false police report to the XXXX XXXX police department
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was payed as agreed and I would like this account removed from my credit report and updated
Product: Credit reporting or other personal consumer reports

Trying to build my credit, don't know why I have XXXX or XXXX different hard inquiries that I never applied for
Product: Debt collection

I graduated from XXXX University with a debt of approximately XXXX Dollars. When they first contacted me I tried to negotiate a payment agreement with Reliant Capital Solutions that would allow me payoff the debt and not be at risk of being homeless. I am not wealthy and have a very modest salary and I am a single parent. They refuse the amount that I was able to pay. They are now calling my place of employment and are being aggressive and harassing my colleagues.
Product: Debt collection

Dear Resurgent/LVNV Funding, I am writing to request a copy of IRS Form 1099-C for the canceled debt associated with my account. Below are the account details : Account Name : Resurgent/LVNV Funding Account Number : XXXX Original Creditor : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XXXX Charge-Off Amount : {$1400.00} If this debt qualifies for IRS reporting, please send me a copy of Form 1099-C. If no 1099-C was issued, please provide a written explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act XXXX  Accounts # XXXX has VIOLATED My rights. 

XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX  XXXX Acct # XXXX XXXX. XXXX  XXXX Act # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX  Acct # XXXX XXXX. XXXX Acct XXXX XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX  Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX Acct # 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 : It also States a Consumer reporting Agency CAN NOT Furnish a Account without My written Instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$350.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance XXXX {$510.00} XXXX XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ( Original Creditor XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$510.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$500.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$480.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting XXXX charged off accounts from XXXX XXXX XXXX  card services. 

Account # XXXX -opened XXXX with balance of {$1500.00} Account # XXXX -opened XXXX with balance of {$1400.00} Both accounts were charged off back in XXXX of XXXX  and was done as a business tax write off with the IRS. Equifax keep updating the account as valid and will not provide a copy of the validation of the account when you request a copy of it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent activity associated with my credit file and request immediate action under 18 U.S.C. 1028A, which pertains to aggravated identity theft. 
I did not have control of my account for those late payments and I need them to removed and rectified immediately. 
Upon reviewing my credit report, I discovered unauthorized accounts and/or transactions that I did not initiate. The fraudulent activity includes : Under 18 U.S.C. 1028A, knowingly using another persons identity without authorization is a serious federal offense. Since I did not authorize these transactions, I demand the following immediate actions : Investigate and remove the fraudulent accounts and inquiries from my credit report.

Provide me with all records and documentation related to these accounts and transactions.

Report this fraudulent activity to law enforcement authorities as required under federal law.

Ensure no further unauthorized activity occurs under my identity.

I have attached copies of my credit report highlighting the fraudulent activity, along with any supporting documentation.
Product: Debt collection

I received a call today from XXXX XXXX XXXX XXXX in XXXX FL the phone was dead and there was no indication of who it was. When i called back, i spoke with a person who wanted information from me but would not give any specific information to me so I could validate my debt. She was rude and said I owed {$940.00} for a visit to an emergency room on XX/XX/XXXX!!!! Its XX/XX/XXXX!!!. I was not given standard disclosure about collecting a debt and I hung up on her. Then I called the hospital who then referred me to the emergency room doctors. I then called the emergency room doctors business office and they told me that there was a mistake that I owed {$200.00}!!! The doctors didnt know why the collections agency quoted {$940.00} nor why they waited till 18 months to collect any debt!!! I told them I never received any bill from either the collections bureau or from the doctors office - to wit the doctors office said it was returned as undeliverable -!!! Thats impossible as this house has been here 200 years and I have owned it since XX/XX/XXXX. I paid the doctors {$260.00} on the phone today- but I am suspicious that this issue wont go away and that my credit is affected.