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

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information stays private which is supported by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " The XXXX XXXX XXXXXXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The XXXX XXXX XXXXXXXX the financial institution and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent or permission to appoint or furnish this information additionally they do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX and XXXX XXXX  XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, XXXX, Equifax and XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an unfavorable item which they are reporting again without my permission this is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  XXXX XXXX, XXXX, Equifax and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Student loan

I got a call from DocuPrep around XX/XX/2020, offering a student loan forgiveness plan. They checked, and I wasn't eligible for forgiveness, but I could start paying {$50.00} per month, after I paid them their fees of {$990.00} ( {$190.00} per month for 5 months ). I just recently checked with my loan servicer, Navient, and they replied that they are not affiliated with this company. I emailed DocuPrep twice, telling them they were not getting any more money from me ( before the 5th payment came out of my account ), and that I had found out from XXXX 's website that companies are not supposed to be charging for help in repaying student loans. I asked DocuPrep to immediately return the {$790.00} to me that they had charged. I have not heard back from DocuPrep since.
Product: Checking or savings account

I have opened an account with Capital One with the promise of a bonus. I have met all the requirements and they are refusing to pay the bonus on time as promised. This is a scam to get people to open accounts with them
Product: Student loan

Dear CFPB Representative, I am submitting this formal complaint regarding a severe breach of my personally identifiable information ( PII ) due to unauthorized access facilitated by the Department of Education XXXX DOE ) and the Department of Government Efficiency ( XXXX  ), led by XXXX XXXX. As a federal student loan borrower, my private financial and personal data has been accessed without my authorization, constituting a violation of my consumer protection rights. 

Summary of Complaint : Recent reports indicate that DOGE personnel have been granted unauthorized access to the Department of Education 's internal databases, which store sensitive financial and personal data of millions of federal student loan borrowers. This includes, but is not limited to : - Social Security numbers- Dates of birth - Loan balances - Repayment history This access was granted without borrower consent, constituting a severe violation of my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX, as well as potential violations of the Privacy Act of XXXX. The Consumer Financial Protection Bureau ( CFPB ) has an obligation to investigate this unauthorized access, given its impact on financial data security and consumer protections. 

Supporting Evidence & Legal Concerns : 1. Unauthorized Data Access : Investigations and lawsuits indicate XXXX 's unauthorized access to federal student loan borrower data. ( XXXX XXXX XXXX XXXX ) XXXX. Ongoing Lawsuits : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX has filed legal action alleging a massive breach of borrower privacy due to XXXX  involvement. ( ( XXXX XXXX XXXX XXXX ) 3. Congressional Investigation : Lawmakers are demanding answers regarding how and why XXXX was granted access to this data. ( XXXX XXXX XXXX XXXX  ) Requested Resolutions : Given the severity of this breach and its impact on my financial privacy and security, I am requesting the following actions to be taken place bye XX/XX/XXXX : 1. Immediate Investigation : The CFPB must investigate the DOEs role in granting unauthorized access to borrower data and XXXX use of this information. 
2. Account Remediation : Ensure that my student loan data is secured, reviewed, and corrected for any unauthorized modifications. 
3. Loan Cancellation : Due to this severe breach of my financial privacy, I request full cancellation of my federal student loans as an appropriate remedy for the harm caused. 
4. Stronger Consumer Protections : The CFPB should impose stronger oversight on DOEs handling of borrower data to prevent similar violations in the future. 

This violation directly impacts my financial security and consumer rights. I urge the CFPB to take swift action in investigating and addressing this breach. Please provide me with updates regarding the status of my complaint and any actions taken to resolve it.
Product: Credit reporting or other personal consumer reports

Started on XX/XX/XXXX, my mortgage lender said she can not pull my Equifax report, I called Equifax about XXXX times a day trying to get a report from them but they told me to send documents in and I sent them a few times and I havent got anything resolved, they just keep telling me they havent received anything and theres no file for me, I dont understand how if I have lines of credit and auto loans through XXXX XXXXXXXX, I just want to get it fixed so I can continue with my home purchase,
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

For the last few months I have been receiving phone calls from Diversified Consultants who have been looking for a " XXXX XXXX. '' I am not and do not know anyone by that name. However, they continue calling my phone number even after I have told them to stop calling. Please do something about this company to try to stop them from calling me. I will also send them a cease and desist letter as well.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX  are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX  UNI XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND DEPT OF EDUCATION/XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There was XXXX inquiries on my report that I didn't authorize to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct is reporting inaccurate late payments and never late
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account # : XXXX This account has been furnished on my credit report without my permission. I recently wrote a complaint and they simply updated their remarks saying consumer disagrees. I have not given you written permission to put anything on my credit profile which violates 15 USC 1681b2. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures. I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Delete this account immediately. 

XXXX does not have to my permission to post on my consumer report. They are also violating their own contractual agreements as shown in the attachments below.
Product: Debt collection

At the middle to end of summer, I began receiving calls from a company identified as Midland Credit Management on my phone 's caller id. I ignored the calls because I do not have any outstanding debt. On XX/XX/2020, I wrote a letter to the company, requesting all communication to be written and for debt validation. I received a response from the company, stating they could not validate any debt against me and requested more info. I responded on XX/XX/2020, sent the letter certified and received return receipt proof on XX/XX/2020. As of XX/XX/2020, the calls have started up again. I received multiple calls on XX/XX/XXXX and XXXX. I DO NOT have a debt that this company is attempting to collect. I believe now they are being vindictive and childish. This is a formal complaint against Midland Credit Management for false debt collection.
Product: Credit card

I wanted to try this prepaid credit card and signed up for BlueBird by american express in XX/XX/year>. 

Before I received the card I read a lot of reviews around how bad these cards are. I decided I didn't want to use the card. 

When the card came I cut it up immediately and disposed of it. 

I do not have access to the online account and can only gain access with card information do not have. 

I have access to the email associated with the card and the Social Security number. I believe they can not validate my account as they are saying I entered a different birthday than my actual birthday. 

Support can't help me, there is no one else to contact. They as for card information I'll never be able to recover. There is no way for me to progress this forward. 

I have no options, the entire website has a single phone number. 

This seems very predatory. 

DO NOT EVER USE BLUEBIRD IF YOU ARE READING THIS.
Product: Debt collection

I have made several attempts to rectify this matter with XXXX and Equifax. I have notified them that the XXXX XXXX account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Product: Credit reporting or other personal consumer reports

2 years after disputes were started for fraud at Transunion the finally removed half of the fraud related cases. This comes after on multiple occasions stating they investigated insure to FCRA standard. With the removal of half the fraud reports its is now clear to see these issues were never ever investigated at FCRA standards as previously reported and Transunion had been falsely reporting data on behalf of companies. 
Fraudulent accounts still being reported include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When Transunion was asked to provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I am also requesting The means of which this information was VERIFIED and VALIDATED They failed to comply. They also have failed investigate files as can be seen by the current removal of fraudulent files that took over 2 years of disputes to remove. Transunion has continuously discriminated against and ignored me when request for a accurate dispute have been asked for both over the phone and in the mail. Even while I have been denied credit and the ability to move due to their errors and negligence they still have failed to resolve all the issues
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested for this information to be deleted due to Identity Theft. This account came back verified by XXXX. Predator violates 15 US Code 1681c. Section ( e ) states shall not prohibit the disclosure of nonpublic personal information. Predator also violates 15 USC 1681a2 by furnishing accounts to my report without my written permission. Please remove this information of my report before I seek litigation.
Product: Credit reporting or other personal consumer reports

I disputed some late payments on my XXXX report on XX/XX/year> for my XXXX XXXX Account. The late payments were removed from XXXX and the consumer reporting agencies are still reporting the late payments.
Product: Student loan

I graduated this year from my final degree my XXXX. As it stands I had more than a decade of student loans between XXXXXXXX XXXX XXXX  and then my XXXX. Originally I was told that to get access to XXXX as a non-profit medical provider, I'd have to consolidate all of my loans, and I was approved for that under the XXXX plan. My application was received by MOHELA weeks before everything was put on pause in the courts. I got a letter stating they had put me under the standard repayment plan so I called and they were like oops ok no you don't own XXXX a month you are " in process '' in adminitrative forebearance since your application is in process but is now on hold. So they put me in " administrative forbearance '' since they have not yet been able to process that fully and start payments. Essentially I am in limbo and stuck. I just realized that my credit score is tanking because they are charging me almost XXXX XXXX dollars in interest in an ongoing manner because I can not make payments, my application is stuck due to the pause/freeze, and apparently interest is still acrugin instead of being applied off through XXXX since nothing is active yet so essentially I am being absolutely tortured by a huge loan and interest pilinig on even though I literally can not make payments, they can not process my application yet fully to start those, and its out of my control. I want to know if I have recourse as the interest they are charging is INSANE and I am stuck through no fault of my own just sitting watching it pile on and drive my credit score down constantly to the tune of XXXX points at a time!
Product: Student loan

A company that referred to themselves as   XXXX   XXXX   XXXX   illegally created an   XXXX    account in my name and illegally opened a loan through a separate company LoanHero in my name without my consent.  
 When I attempted to log into my  XXXX  account I had trouble so I contacted FSA by phone. I was informed by  XXXX  that an  XXXX  account was created in my nam e in   XXXX  2017 .  I never created this account. When I told  XXXX  I did not create an account they asked me if I was involved with a scam related to student loans.  XXXX  also informed me it is illegal for someone to create an  XXXX  account under another person 's name. I was advised to stop all contact and transactions being made with  XXXX  's company.  
 When looking at my credit and all my loans and found I have a new loan opened with LoanHero. I was not aware a loan was made in my name through LoanHero. I contacted the Department of Education and  Student Loan su pport regarding the creation of an   XXXX    account in my name without my knowledge and the creation of a new loan. I was informed again that this is illegal. Also I was informed many fraud companies place the name of real companies on their documents and paperwork to scam people.  XXXX  told me he is associated with  XXXX . I contacted  XXXX  and was told that scamming companies use their name frequently and if an   XXXX   account was created in my name without my knowledge then it was illegal.  
 I canceled my the consolidation and when I went to cancel the miscellaneous loan through theses companies they refused. They also stated " it would n't affect my credit '' which was an additional red flag. I contacted the Department of Education again today and they stated they have had other student run into scams  with Loan Hero and again confirmed all of the statements mentioned previously.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 

The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted my background check on XXXX. It is now XXXX and my date of completion is continually getting pushed back. I have been contacting them by in web messaging, only to be told the same exact thing like a generic message, I called the on the company phone multiple times. They e either hung up before giving me a case number or told me generic responses. One of the persons on the phone told me that my background check is completed and sent to my hiring manager. First advantage has lied to my hiring manager. Told them my background check was completed and that they sent them the results. My hiring manager didnt receive it that day or the next 5 days. They lied to get us off the phone with them. Then they say they cant get ahold of the courthouse. I have done my background check with first advantage 8 months ago and got my background done in 5 days. I then applied at XXXX delivery company and got my background done in 3 days by checkr. Ive done a background check with 2 other companies and have gotten background checks completed within 5 days. This is a profile advantage/ first advantage issue and they are conducting their company. maliciously at the cost of our jobs pending. The last person I called said Id have to wait till XXXX since its Friday and they dont work on the weekends this is the Case number # XXXX I told her to please help me before I complain about the company and she hung up. She also told me this ( XXXX ) I am applying at XXXX and XXXX because at this point I dont have an option and need to start making paychecks to be able to pay my next bills.