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

I take advantage of XXXX yearly. When I applied for a home loan through USDA in XX/XX/XXXX what I'm about to list wasn't on my credit report. When the final credit check was done in XX/XX/XXXX six fraudulent student loan accounts were appearing on XXXX, XXXX, and two on XXXX. The six on XXXX   and XXXX were created by Wells Fargo. The two on XXXX   were created by XXXX XXXX XXXX. The dates and amounts that are listed on my credit report are false. I had stopped attending school in XX/XX/XXXX due to a XXXX caused by an automobile accident. I had a student loan with Wells Fargo in XX/XX/XXXX-XX/XX/XXXX. This loan was paid off. The following are the six accounts by Wells Fargo on my credit report : 1.Open XX/XX/XXXX Amount {$8500.00}. 2. Open XX/XX/XXXX Amount {$6300.00}. 3. Open XX/XX/XXXX Amount {$4700.00}. 4. Open XX/XX/XXXX Amount {$4700.00}. 5. Open XX/XX/XXXX Amount {$3600.00}. 6. Open XX/XX/XXXX Amount {$920.00}. 7.Open XX/XX/XXXX Amount {$3700.00}. 8. Open XX/XX/XXXX Amount {$1200.00}.

Number Three and Four are the same amounts, but have different account numbers on credit report. Number Seven and Eight have had disputes filed in XX/XX/XXXX, but continue to remain on report. Numbers 1-6 are Wells Fargo accounts falsely created and Numbers 7-8 are XXXX XXXX XXXX.
Product: Student loan

I have called GSMR multiple times over the last year regarding my loan payments. I have been enrolled in autopay for a number of years and noticed in XX/XX/XXXX my payments stopped being collected for no apparent reason. I was informed by GSMR that this was because I entered a graduate program and the loans were in deferment. I requested that my loans not be placed in deferment, and that I wished to continue making payments on my account. I was informed by a customer service representative that I would occasionally miss one month, as their process was automatic, but there were notes made on my account and the autopay would pick up the following month. Whereas I didnt fully approve of this explanation, I went with it as I didnt feel like fighting. I notice today that apparently they have not pulled a payment since XX/XX/XXXX. I feel this is an unethical business practice, as they cancel my autopay, with no notice to me, and continue to rack up interest on a loan that I have been attempting to pay. This organization makes it so difficult to repay your loan in hopes that they can continue to collect interest from you.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my XXXX XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

XXXX  XXXX XXXX TransUnion is violating my federally protected consumer rightsXXXX XXXXXXXX & TransUnion is furnishing a consumer report that claims I have 2 separate accounts from XXXX XXXX XXXX , opened XX/XX/XXXX and XX/XX/XXXX. Neither of these are reporting any sort of account number whatsoever, yet they are showing up as negative information on my consumer report and are severely harming my personal reputation. These reports are inaccurate and are not in accordance with 15 USC 1681e ( b ), which clarifies that maximum reporting accuracy is imperative. These accounts do not exist without valid account numbers. They need to be removed from my consumer report. 
-Also, XXXX XXXX XXXX XXXX TransUnion never provided a clear and conspicuous opt out form in accordance with 12 C.F.R. 1016.7a.-If they continue to furnish this information after I am now clearly opting out and revoking my consent for this information to be furnished, this report will now also be a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates.

-Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d )
( 2 ) ( A ) ( i ) .-XXXX, XXXX & TransUnion is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a
) ( 5 ), they are not allowed to post this information.-It is clear that XXXX, XXXX & TransUnion has violated many of my federally protected rights by furnishing this information on my consumer report.

-According to 15 U.S.C 1681n ( a ) ( 1 XXXX XXXX XXXX XXXX & TransUnion is liable to compensate me {$1000.00} per violation, totaling several thousand dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
XXXX, XXXX XXXX TRANSUNION MUST IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has two different cards provided to me. 
I FROZE one of the accounts with a smaller credit line of only {$4100.00} when I was issued a new XXXX card with $ XXXX line + airline mileage options. 

XXXX ALLOWED automatic purchases to go through on this card that was frozen and locked, and the amount due did not show up on the app as it is blocked out in RED due to the FREEZE I elected on it - nor did they send me a statement. 

They allowed for transactions NOT approved for over {$200.00} to go through without permission. I was sent a notice that my account was overdue- they issued a 30-day late on my credit report without proper notification that they did NOT correctly freeze the account + allowed transactions without approval to hit a cc account that I had no visibility to as it is locked ( red out ) on the app then penalized me unfairly. 

See screenshots - on the mobile app it shows my balance is {$0.00} yet the web portal ( that I NEVER USE ) shows there is a balance due of {$210.00} The charges that were allowed to go through without my permission need to be reversed and this unfair credit report and is illegal and needs to be corrected as does their mobile app that doesn't allow customers any proactive insight that there is even an issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result of this breach, I am requesting that all unauthorized accounts associated with my name be blocked and deleted from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Unauthorized Accounts XXXXXXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$680.00}
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. 

Account Name : XXXX  XXXX Bankruptcy 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 : Untitled Account Number : XXXX has violated my rights. Or 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

Mailed letters to all three credit bureau explaining that it was fraud on my chase credit card along with a letter from XXXX XXXX XXXX saying it was fraud asking them to remove the late payments from my credit report. All they did was change the name from XXXX XXXX XXXX to XXXX XXXX XXXX  and still haven't taken it off my credit report.
Product: Credit reporting or other personal consumer reports

I've made multiple attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, but the issue persists. These incorrect items have severely impacted my life, causing considerable stress and anxiety. It's important to emphasize that I never authorized or consented to this information being associated with my name, as I've been a victim of identity theft.
Product: Checking or savings account

Bank of America/ claim # XXXX. 

My checking account check was altered and counterfeited. Check number XXXX was counterfeited and used against my account fraudulently, which funds were taken from my account in the amount of {$480.00}, without my permission. The account holders name does not reflect my name. I made complaints to Bank of America and officials cited that I filed a complaint after the 60 day window, and my claim was denied. It should be noted that my mother had a XXXX and I was occupied with family matters. Subsequently, the bank requested my mothers information to support the claim. The issue is my mom is in a skilled living home and I can not obtain her medical information due to HIPPA requirements. 

Please help me resolve this issue as a victim should not be liable when counterfeit/ fraudulent use was used against my account. I work hard for my money and hope the funds are credited. Additionally, the bank cashed a check that was not even in my name as the account holder. Who is protecting the consumer?
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I decided to put a freeze on all three of my credit reports. I received a letter from my loan organization, XXXX XXXX Bank, with the 3 web addresses listed on them to freeze my files. I did XXXX and XXXX first, which was so simple I could n't believe it. When I went to TransUnion 's web site, www.transunion.com, I went to the left bottom of the page where it had a link " TU Credit Lock. '' Having done it twice already on the previous 2 credit sites, I proceeded to put in my information. Well, on the right side of the page, in a block that is not very large, it says " You have chosen Credit Monitoring for {$19.00} per month. '' Why it did not say this on the very blocks where I was filling out my information instead of on the side of the page, I do not know. Or yes, I do know - TransUnion is tricking people. You think you are putting a lock on your credit report but you are really subscribing to this credit monitoring service. So when I did n't get a PIN number at the end like I did for the previous 2 sites I went into to lock my credit, I called TransUnion and found out that I subscribed to this service. They cancelled it for me, but of course, I HAD TO PAY FOR THIS MONTH. TransUnion is ripping people off with this method. They are tricking people. The other 2 sites are so simple to use. TransUnion should be ashamed of the way they do business. If the link had said " Credit Monitoring Service '' I never would have clicked on it. But it said " TU Credit Lock '' and that 's what I THOUGHT I WAS DOING. DECEIVING!!!!
Product: Mortgage

I am a XXXX XXXX with a check made out to XXXX XXXX, XXXX and a mortgage company, The Money Source. I have supplied the mortgage company with all of the documentation for the work that I have done and completed months ago. The Money Source is refusing to endorse the check without me first endorsing the check, which I will not do. There is no reason for the mortgage company to have this money. I have been in XXXX  for 18 years and I have never endorsed a check made payable to XXXX XXXX for work I have done. I have attached a copy of the check and the letter from the mortgage company. There are two checks that I am trying to get endorsed from this mortgage company. Everytime I speak with someone from The Money Source, I am given another set of instructions, I have sent them 100 's of pages of documents from this claim. XXXX XXXX contracted my company, XXXX to do emergency water mitigation work, the work was completed, XXXX XXXX paid for the work and now The Money Source will not endorse the check.
Product: Credit reporting or other personal consumer reports

Dear Bridgecrest Dispute Department, I am writing to formally dispute the information you have provided to the credit reporting agencies regarding the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), you are required to verify the accuracy of the information reported. If the information can not be verified, I demand that you cease reporting this account to all credit bureaus ( XXXX, XXXX, and XXXX ) immediately. 

Disputed Information Account Name : Bridgecrest/XXXX  Account Number : [ XXXX ] Reported Issue : Repossession with an outstanding balance of {$6500.00}. 

Verification Demands To comply with your obligations under the FCRA, please provide the following documentation : The Original Loan Agreement Include my signature and all terms of the agreement. 
Provide proof of my consent to the reported terms. 
Repossession Documents Detailed records proving the repossession was conducted legally, including notices sent to me and their delivery confirmations. 
Evidence of the sale or auction of the vehicle, including the sale price and how it was applied to the balance. 
Payment and Balance History A complete and itemized payment history, including dates, amounts, and application of payments. 
An explanation of how the outstanding balance was calculated, including fees, interest, or penalties. 
Proof of Debt Ownership Documentation proving your legal right to report this debt, including any chain of custody or transfer of debt ownership. 
Communication Records Copies of all communications sent to me regarding this account, including those about delinquency, repossession, and charge-off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$3400.00} XXXX XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX NA Account number XXXX Shows balance of {$1100.00}. 

Hi experian team, this account was scheduled to fall off from my report on XX/XX/year>. Kindly verify the attached snip which i have shared which shows fall off date as XX/XX/year>. Further to that i called experian customer service three weeks ago to double verify and they told me it schduled to delete on XX/XX/XXXX th However the account didnt fall off from my report and i see them appearing. when i called the customer service they said its schdueled to delete on XXXX. Hence the request is kindly take a look on the snip i provided which shows clearly as XXXX fall off date and kindly honor what i was told by customer service which is XX/XX/XXXX and delete the entry from my credit report. 

Basically the request is you cant show me something and do something.
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. EQUIFAX has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with EQUIFAX. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . They have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

According to HIPAA, medical bills can not be included in a consumer report because they may disclose protected health information, which is confidential under federal law. Including these bills on a credit report without my explicit authorization is a violation of my privacy rights under HIPAA, as well as the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and privacy of consumer information. 

I also want to emphasize that I never gave XXXX XXXX permission to sell, share, or transfer my non-public personal information, nor did I authorize Nationwide Recovery Services to purchase, receive, or use this information. Such unauthorized handling of my private information constitutes aggravated identity theft under 18 USC 1028A. In addition, According to IRS guidelines, an unpaid charge-off qualifies as income, and under the FCRA, income should not appear on a credit report. I am formally requesting a 1099-C ( Cancellation of Debt ) from XXXX XXXX XXXX XXXX Creditor ), for the charged-off accounts listed below : Nationwide Recovery Services - XXXX I am demanding the immediate removal of all medical debt related to these accounts from my credit report. Failure to comply with this request will result in any necessary legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

I have unauthorized account on my report named XXXX XXXX XXXX  that is in collections thats not mines.