23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I did not give XXXX any permission or permissible purpose to shared any of my information with a 3rd party company such as a CRA. I have aright to privacy pursuant 15 USC 1681, 1692, and 16801. My private information such as my personal loan information should remain private and not shared with a non affiliation 3rd party company. XXXX has shared my information and reported my private information without my consent which constitutes as AGGRERATED IDENTIFY THEFT due to the fact that I did not permissible purpose to share or report my information on my consumer reports. As a consumer, XXXX has a right to protect my personal nonpublic information. 15 USC 6802 states, XXXX is not obligated to report or disclose any nonpublic personal information to a 3rd party company that has no affiliation with XXXX unless XXXX provides me with a notice that comply with section 6803 of this title. I have not nor have I ever received any notice from XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX- account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate By the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$970.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$480.00} XXXX XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ======XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$970.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$400.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$970.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2200.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Student loan

I have documentation to support the following, please reach out and I am happy to send. 

I am looking for assistance with MOHELA and the US Dept of Education Student Aid. In the last XXXX weeks, I have contacted XXXX XXXX, XXXX XXXX and XXXX, but have not received a response. I also sent a WH.gov complaint. In researching issues with MOHELA that others experienced, I saw an article where Senators XXXX and XXXX directed CFPB to investigate MOHELA 's practices, I am an attorney for the US Dept of Veterans Affairs OGC and have been working there since XX/XX/2015. 

Initially I reached out to my Congressional representatives due to deceptive practices with MOHELA informing me that I was entitled to a refund in multiple mailings, but then after I formally asked for one, told me that I was not entitled.

Yesterday, new and more serious problems arose with MOHELA and studentaid.gov. I logged into my studentaid.gov account yesterday to deal with yet two more deceptive, confusing mailings from MOHELA. For the first time, I was greatly disturbed to see that studentaid.gov said XXXX LOANS ineligible for PSLF. This is the first I have EVER seen such a message, and it is VERY concerning, as I consolidated my loans into Direct Loans in XX/XX/2015 after starting at the US Dept of VA so that it qualified for PSLF. I understand there is a review of SAVE, PSLF and other programs. However, I am less than a year away from hitting 120 months of public service. I am INCREDIBLY CONCERNED AND WORRIED that the system is so broken that I will be delayed in receiving my loan forgiveness. 

As for the MOHELA issue that made me login in the first place, in a mailing that I received yesterday, the number of payments and start dates do not make sense there either. A second mailing said that my payment will be reduced, yet autopay on MOHELA will be for a higher amount. I logged into MOHELA yesterday and could not adjust my payment. I am concerned that I will a ) overpay and/or b ) be told later that, by paying the lesser amount, that wasn't a 'qualifying " payment for PSLF purposes. 

I understand that there are no dates listed here, however as I said, I have all the documentation to support it. It goes over the XXXX limit. Please reach out and I am happy to provide it. 

Very respectfully, XXXX XXXX
Product: Student loan

I made a a payment agreement with zutafi loan company. Formally known as SLFC and several different names. They continue to harass my XXXX and XXXX father. They also continue to assault my credit report every month, even with payment being made on-time. I get very little information of my progress. And the loan is almost XXXX years old. They have very deceptive practices. And did not notify me that my loan my be going into default. Of course until it did. Also, the company was constantly changing it's name and address. So I had no idea of whether I was being scammed or not.
Product: Debt collection

I received three calls from Recovery Solutions Group that XXXX complaints had been filed against me and i had pending charges and because they could not reach me by phone, they would be actively pursuing me at my place of employment or residence and when I was located I would be forfeiting my rights. In one message, it was stated that I needed to contact the issuing agents legal department to rectify the matter and I had been officially notified. All three messages were from different telephone numbers but had the same case number. Family members such as my mother and XXXX year old grandmother have received these messages stating that legal action was going to be taken against me if they did not give my contact information. One person actually told my mom that it would be wise of her if she told me to call them back. These people are not only threatening me, but family members. My sister received a call from someone telling her that I had put her down as a reference.
Product: Debt collection

Portfolio Recovery is ILLEGALLY trying to collect for a debt not owed. This company purchased a debt that no longer exists. There are two accounts, one from XXXX XXXX and one from XXXX. These account DO NOT belong to me. I have contacted my attorney in referance to the letters I have been sent stating I owe money on accounts are not even mine. This company is fraudulent and just buys false debt. This company not only is harassing me with bogus letters of a debt I do not owe but the illegal put collections accounts onto my credit bureau. My attorney is investigating those and will proceed with legal action if necessary. Remove the collections from my credit bureau IMMEDIATELY.
Product: Mortgage

Applied for reinstatement quote on XX/XX/2023 have not yet received the information needed to reinstate the mortgage and get the home out of foreclosure also they declined to inform me of loan modification options until XX/XX/2023 and said they'd mail them to me and as soon as I received the options and responded they would terminate any pending sale date but I have not yet received them and it's scheduled for sale on XXXX the title company has not yet received any information from US Bank either they also requested a reinstatement quote on XX/XX/XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Personal Information : Employers : XXXX XXXX  Employers : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX, CA XXXX : XXXX XXXX XXXX Former : XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As : XXXX, XXXX, XXXX Name : XXXX XXXX Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Account name ( XXXX  XXXX ) account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A. Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In XXXX of last year 2024, my company that I work for XXXX went on strike. I didnt have an income for about three months. I contacted the XXXX my mortgage lender which I have always been in good standing with in XXXX, to speak about my options. They told me that I qualify for a forbearance program and put me on a five month forbearance program. During this time, I talked to them every month and stayed updated to make sure that they had contact with me. I was told that as long as I do this, my account would remain current and when the forbearance program is over, I could make my payment as normal without my account being delinquent, late or affecting me negatively. I made a partial payment in XXXX for {$1500.00} during my forbearance program which wasnt required, but I wanted to cover as much as I could. In XXXX I called XXXX to end my forbearance early and made my payment for XXXX in full. I was told when I called that I can now have a modification and my forbearance was ended. I then made my XXXX payment early on XX/XX/XXXX and every other payment on time since. XXXX has now reported for XXXX as a late payment on my credit report they didnt say that XXXX or XXXX is a late payment or XXXX. XXXX were the three months that I had a forbearance that we agreed upon. Ive reached out to XXXX XXXX again and they are not considering XXXX or XXXX as a late payment since I was in a forbearance program, but said they are considering XXXX a late payment and reporting it as XXXX. I feel this is unfair because its not what we agreed to initially and it doesnt make sense that they wouldnt report XXXX or XXXX as a late payment, but they are reporting XXXX as a late payment in XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  also XXXX XXXX XXXXXXXX Whom reports credit bureau I'm delinquent or owe. requested money on account been paid. And XXXX. Sold my information too multiple collection agencies name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom also. Reporting trying collect on same account for XXXX 's. that not owe any money. .which has huge effect on my credit report 3 credit agency for months l have disputes this information which constantly still showing on my credit report. On the XXXX shows other names instead my name. XXXX XXXX It shows different names on billing XXXX XXXX XXXXXXXX XXXX XXXX  and these credit reports finding saying accurate reports. Which not true Documents attached bills not my name
Product: Debt collection

Attempting to collect a debt that is not mine. Sent a letter to debt collection asking for verifiable information and I have not heard anything back it has been over 20 days.
Product: Checking or savings account

I opened a business checking account with Hancock Whitney in the XXXX area. Due to non activity, account becomes dormant. At the time, there is over {$150.00} in the account. I decided to close the account and wrote a check to cash this amount out, however the check bounced due to account being dormant. I called the bank, they said I have to go into the branch to withdraw and close account, all online access was denied. Due to my work schedules, it was difficult to find times to go into a branch. I finally went one day and the XXXX branch was closing permanently. The next time, which is around XXXX or XXXX, I tried another time to stop by their XXXX XXXX XXXX. It was also closing permanently. Today XX/XX/XXXX, I finanlly went to their branch in XXXX ( attached business card ). I am on maternity leave so in my last 2 weeks, I want to complete this task which has been on my to do list. To my surprise, the account was drained to thirties dollars because the last 2 years, the bank has been charging {$3.00} a month for service/statement fee. It could have been avoided with e-statement. But the account was dormant and all my online access was denied??? When I requested to receive help to reverse the fees, I met with the bank manager, XXXX XXXX XXXX. She treated me with a lack of professionalism and respect. She justified the fees by saying, " We are not here to do charity. '' When I mentioned that I hadnt been able to visit the branch earlier due to its distance ( the closer branches have all permanently closed ) and that I could only make it now because Im on parental leave, she dismissively rolled her eyes and said, " Well, I have XXXX  ( kids ). '' The outcome may have been the same, but someone with good customer care would have approached it differently and treated client with respect, unlike XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX  ( XXXX XXXX : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$4400.00} XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$460.00} XXXX : XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXXXXXX BANK ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX Balance : {$580.00} TRANSUNION : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX : {$460.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

Fair Solution Due negligence of Credit Bureaus. block this data from my credit report, pursuant to section 605B of Fair Credit Reporting Act and send the necessary warning to all furnishers of this data.
Product: Debt collection

On XX/XX/XXXX, at approximately XXXX, this debt collector called regarding a debt to a payday lender called " XXXX XXXX XXXX ''.
They also contacted my sister and have made repeated attempts to do so, leaving voicemail messages. This particular voicemail message, however, provided my sister with a link to enter an account number and my zip code. Therefore, my sister was given complete access to the confidential information, including the amount they claim they are owed, as well as the original creditor, etc. My complaint involves repeated contact and voicemail messages with me and my family members, as well as unlawful disclosure of the debt they are attempting to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported negative impacting comments in regards to an alleged collection account from XXXX XXXX on my credit report in which I did not give consent to and is a clear violation of privacy. 

15 U.S. Code 1681- Congressional findings and statement of purpose 4 ) 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. 
XXXX vs XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

TN CHILD SUPPORT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I legally changed my name in XX/XX/2018. I updated the Social Security Administration and all my lenders. Both XXXX  and XXXX  updated information in their files. Equifax did not update their information. Because I have a security freeze on file, now I am unable to obtain new loans or increase limits on the existing loans. Equifax refuses to process my requests because the information in their file does not match the reality. 
When trying to resolve the problem directly with Equifax, they asked me to mail in a copy of my social security card. I am not comfortable mailing the card, and I disagree with the Equifax 's assertion that I should take actions with them to resolve the issue. It is the Equifax 's responsibility to update the information based on my update with Social Security Administration and all my lenders.