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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Student loan

I received notification that my Borrower Defense to Repayment applications for XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX were approved under the XXXX XXXX XXXX Settlement  agreement. The email correspondences advised my eligible loans would remain in forbearance until I receive relief. 

Currently, Nelnet is showing that I have a payment due on XX/XX/2023, in the amount of {$520.00}. I have contacted both Nelnet and the XXXX XXXX to Repayment XXXX  multiple times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are reporting a charged off account on my credit report. the original credit is XXXX XXXX XXXX. This account is over it statue of limitations to collect this debt and to be reporting on my credit report! I have asked several times for them to remove this information but for some reason they seem to continue to re-age the account. I am trying to purchase a home and this account is the only thing standing in my way. I have done everything that I can do to try to pay the debt including contacting XXXX XXXX  informed me that they could not find the amount owed and that the account was over its statue of limitations to collect. And the Collection agency who had the account, informed me that the account was over its statue of limitations and they could not collect the debt. therefore there is no debt.
Product: Debt collection

I am writing in regards to collection notices coming from a company called performance XXXX XXXX I have recieved the last 6 months for a company named rockcreek capital llc that neither were on my credit report until somehow rock creek obtained my info and appeared on my experience report. I asked them to cease and desist in XXXX and XXXX. Made complaint about XXXX  and XXXX. XXXX  stated neither would contact me I request they update info over a XXXX dollar debt they claim I owed for rental towing charges. I never recieved any notices from fair, uber or xchange leasing over sales of any balances. Rock creek purchased files from a banrupt fair leasing in XXXX. Fair went under in XXXX and went through some process. Fair aquatics still exists. Fair purchased exchange from XXXX in XXXX. In XX/XX/XXXX my account for a weekly XXXX was returned and closed out. Those leased you could return recive XXXX dollar deposit back if was pickup up or auction you loose deposit. Nothing ever appeared on my credit report for either. XXXX nor rockcreek can produce a signed dealer ship contract or lice copy or recored or even telephone toecor auction company they basically created a bogus invoice XXXX with XXXX dollars in rental toeing storage charges somehow inflated to XXXX dollars with interest. Rockcreek is cresting fraudulent invoices using rom to try and demand.credit card payments which you can not only via check or money order for debt. Also I will seek local attorney General complain for XXXX XXXX and rpm as well as anit trust complaints forcuber. Also separate complaints to fair and rock creek and rpm I had to put a fraud alert on my credit files for rock creek showing up on my experience file XX/XX/XXXX. I want them removed as this makes harder to rent or seek better ooan options. Even the report is wrong snd not reporting to XXXX transactions. Or XXXX XXXX. I will seek ma court complaint for damages. Rpm contacted numbers and relatives with out permission or knowledge and conducted skip tracing activities. Also they have not sent anything with my signature Dib or social. Not sure how rockcreek appeared on credit file 9 months later and after receiving cease desist.
Product: Credit card or prepaid card

On XX/XX/2019, Wells Fargo Bank issued a letter to close our personal credit card. The letter cited as their reason " To manage risk .... '' and " The decision to close your account is final and can not be changed. Our risk evaluation processes are proprietary and can not be shared. '' with full knowledge our payment history with Wells Fargo was excellent, FICO credit score of +800, and low debt to income ratios. We are responsible customers. 

This account closed was part of a larger conspiracy by Wells Fargo Bank to terminate our entire personal and business relationship after more than 25 years. The closed accounts even included our innocent children 's accounts. 

It is our belief this action taken by Wells Fargo Bank was the result of our small business, a insurance brokerage licensed by various Departments of Insurance with clients in the licensed medical and recreational cannabis industry. Essentially, they have adjudicated and concluded we have violated certain laws beyond our control as if they are judge and jury. Ironically, Wells Fargo Bank has its own well publicized history of actual illegal activity. 

We have direct knowledge, Wells Fargo Bank has not taken the same action of closing accounts with other licensed insurance entities with whom we conduct business and happen to bank with Wells Fargo. This is unfair to us. We believe they have discriminated and targeted against us as opposed to much larger and substantial companies and their employees who are conducting the exact same business. Why choose us as opposed to others? 

According to their letter " Any unredeemed rewards points associated with this account have been forfeited. '' We have now been harmed and damaged since these rewards points we accumulated have now been essentially stolen by Wells Fargo Bank. 

Sadly to us, some of those rewards points were a special gift transferred to us from family member.
Product: Checking or savings account

XXXX checks written the XXXX XXXX XXXXXXXX for water and sewer bills for apartment building I own were stolen and Chase allowed individuals to deposit them to their own accounts. 
The checks were not altered. I learned from the City that no one would endorse such checks with their names, the endorsements are done using a City stamp.

About a month later, 5 telephone transfers summing to {$38000.00} were made from my primary checking account to an account created in my name by a fraudster.

Then 4 phone transfers to an outside account were made summing to {$32000.00}. 
I subsequently learned someone entered a Chase branch in Ohio with a fake ID and some debit card and opened a checking account in my name. 
He also added a second person on the account named XXXX XXXX. 
I communicated the issue to Chase who put restrictions on my primary account and the once created by the fraudster. 
Chase also created a new checking account for me and transferred the funds remaining in my primary checking account into that. 
After multiple phone calls and visits to my local branch I was told by a Chase banker at my local XXXX branch that I would receive the {$38000.00} around XX/XX/year>. The banker also said he wanted to escalate, so I could talk to someone at Chase about these incidents. 
When the person from the escalation department called, I was informed that the issue was mis-categorized and an inquiry instead of identity theft and the case had been closed. 
I was instructed to either call the fraud department or visit my branch to start over. 
I did visit my local branch and I had to stand around on the phone for over an hour to input my information with a Chase representative. 
At these point I still do not have a clear estimate of when my {$38000.00} will be returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$400.00} ; XXXX XXXX  XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  ) XXXX : {$530.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/ and it was closed immediately. I submitted a complain again last XX/XX/ and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can you say that you closed my complaints because it has already processed earlier complaints about my problem. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. THESE ACCOUNTS ARE NOT MINE.
Product: Mortgage

XX/XX/2006 I obtain a mortgage from at the current time was Wachovia Bank and is now Wells Fargo after I was qualified from the state of XXXX XXXX to purchase this townhouse at an affordable rate which was {$77000.00} and the fare market value at that time it was {$260000.00} and was built new for me. 
I have the reason to believe that I was discriminated against because of my XXXX  etc.I am an XXXX XXXX. 
The interest rate that I was giving and still have is 7.000 % at the time in XXXX  I had an average credit score from at-least 2 major credit reporting agency of XXXX. 
I did the short math and at the 30 years of mortgage goes the full term I would then have paid {$230000.00} for a {$77000.00} loan. 
Its seem to me thats something is wrong with that scenario, its seem to be very unfair. 
I contacted Wells Fargo like 2 years ago and made a complaint, Wells Fargo did there investigation and there results claimed that the reason for the high interest rate was because I had only a XXXX credit score at that time, and that is untrue.
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 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 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 recently sent an email to the CEO of Experian citing the accounts I've been trying to get them to fix since XXXX. I attached proof of everything for my disputes- Copy of email from XXXX CEO stating account could not be located, proof that I placed a freeze on all third party reports, proof that Experian was reporting differently than XX/XX/XXXXand XX/XX/XXXXXXXX I also attached copy of FCRA sections 609, 611 and 623 citing that a CRA is supposed to report accurately and that if they can't validate information properly they're supposed to delete the information/accounts disputed, that they're obligated to provide proof of validation regarding accounts they're reporting and that they're also supposed to provide me proof of how they got the information. 

Today I get a call from ( XXXX ) XXXX, who is either the CEO or his representative. He left a voicemail message stating they're not obligated to provide proof of validation nor are they obligated to make sure they're reporting aligns with the other CRA. I saved this voicemail and subsequently called the phone number. This gentleman is basically telling me they don't have to comply with the FCRA. I cited each section and he continued to basically tell me they don't have to comply. Someone needs to explain this to me, how an agency can refuse to comply with the law when they're are hefty fines regarding FCRA violations. At this point, I'm well within my rights to sue for damages, as my consumer rights are blatantly being violated along with serious violations of the FCRA. It is my understanding that fines for FCRA violations are pretty hefty and Experian is blatantly violating several sections of the FCRA.
Product: Debt collection

This company, Portfolio Recovery Associates LLC, calls from multiple phone numbers almost every day. I have never answered their call. They have never left a message, and have never communicated with me as to what debt they supposedly are trying to collect on. I have never heard from them or about them previous to this. I sent them an email telling them that they should either send me something explaining why they were trying to contact me and what the situation is, or to stop calling me. They have ignored us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX have addresses that aren't mine wrong dates accounts still open wrong balances Experian has my dad 's addresses and phone numbers wrong balances on the free annual report but I have an account with them and none of that appears on my account there giving me a different report than the free annual report says
Product: Credit reporting

I have been victim of identity theft XXXX times now in about XXXX years time. I have filed complaints with Consumer Fraud and with the Credit Bureaus. Latest issue is so many hard inquiries on my file by auto finance companies I did NOT give written or oral permission to. Wrote them all and asked for copy of credit authorization form they have that gave them permission. None have been able to send any because I never gave them permission. Only XXXX dealerships were authorized, XXXX XXXX in writing, and XXXX XXXX XXXX orally over the phone. Yet there are XXXX inquiries total on my file with XXXX credit bureau alone. I know one has a XXXX day window to shop around for auto financing, and it only shows as XXXX Hard Inquiry. This has always been the case all my life, yet this time with XXXX XXXX, almost all their companies they dealt with show as Hard Inquiries on my credit. My file is supposed to flagged due to the identity thefts, and yet they are allowing all these other entities to check my credit WITHOUT a credit authorization formed signed my me. I have wrote Equifax and the others asking they remove those unauthorized inquiries and got back a form letter with a response that I can not understand at all ... .. '' inquiries are a matter of record of all companies that have accessed your credit file ... ... ''. The inquiries are still there and not removed and it has affected my credit score drastically. I am so tired of these automated responses that get absolutely nothing done whatsoever to protect the consumer ... ME! They have allowed all sorts of entries on my credit that I never authorized, and then I get calls from collection agencies for loans I never made, and the vicious circle and cycle continues. At my age of XXXX I should NOT have to worry about this kind of criminal activity on my credit but I am worn out and tormented with this constant struggle to clear this garbage off my credit files, over and over and over and over again, with the Bureaus, from MY point of view are NOT co-operating. After all, its MY CREDIT INFORMATION, and yet they treat me like I am the culprit by trying to get it cleaned up and corrected. This Bureau system sucks in my opinion and needs to be done away with. I will be long dead if that ever happens, so meanwhile I am tormented with having to deal with thefts, illegal inquiries, incorrect entries and Identity issues ... ..growing old SUCKS!!!! 
XXXX XXXX
Product: Checking or savings account

I was locked out of my account with Chime a little after XXXX just before XXXX I had deposited XXXX into my savings for XXXX rent for safe keeping however I have not been able to access my account. I have a number of times called support and talked to a real person each time told they will push it to support and to wait for email with response. No email responses, I have sent prof of address Copies of ID, conformation of deposit and spending, and conformed with customer serves every time I called, yet still can not access account. Do to this I'm now being kicked out of home for inability to pay my rent. For almost 3 months I have been emailing XXXX, XXXX, and calling serves center yet I get no respond and still no access to my funds. Therefor I'm asking the CFPB to please help before things get worse for me and I loss anything more. I have been a costumer with Chime for about 5 years and have never had a problem till now. Seems to be there is no help with Chime and talking to a real person that can only respond with a automated put you off and pass the buck.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Account : 1. XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiry : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. I received no response from them. As the debt was not verified, I did not make a payment. The account was never marked dispute by the creditor. My credit score was in the XXXX at this point. 
On XX/XX/2024, I submitted a second debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is officially disputed. 
Dated XX/XX/2024, their response was to send me lengthy monthly statements, which does answer the point by point requests in the validation request letter. 
On XX/XX/2024, I submitted a final debt validation request to XXXX XXXX XXXX XXXX asking for validation and verification of the alleged debt. This document clearly states the account is invalidated for lack of validation and verification evidence. My credit score is in the upper XXXX in this month. 
This account was never marked as disputed to the credit bureaus, has destroyed my credit score, and is now closed by the creditor.
Product: Debt collection

RECEIVABLE RECOVERY is reporting a debt I do not owe them to all three credit reporting agencies. I requested documentation to demonstrate that I owed this company. Despite this request and their failure to do so, they have not removed the item from my credit. if this is not removed I will be seeking legal advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked this company to place a freeze verbally and in fax thats succeeded this company had not mailed or sent credit report or security freeze info