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

In accordance with the fair reporting credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : account numberXXXX XXXX XXXX XXXX : account number-XXXX XXXXXXXX XXXX  XXXX : account number-XXXX XXXX XXXX XXXX : account numberXXXX 15 USC 1681 section 602A states i have a right to privacy. 

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records convictions of crimes which antedates the report by more than 7 years. 

15 USC 1681s- ( 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: Checking or savings account

Around the middle of XXXX, 2017, I opened a checking and savings account with Bank of America, and the account was open for 3 days. At that point, BoA closed the account, and they did not disclose a reason for why the account was closing. I attempted to find out why the account was closed, and no one would respond as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called costumer service because I was a victim of some of the names on my credit report and I would like to remove this hard inquiers on my credit report because customer services did not want to dispute it over the phone!
Product: Debt collection

XXXX XXXX XXXX XXXX is trying to collect XXXX dollars on a progressive account. I send them a email to validate the collection never received respond Back. File a dispute with XXXX they Get back to them verify but XXXX won't show me how it was verify so iam filing complain with the FCRA. Just want se to the proof Caine & weiner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Account # XXXX Account date XX/XX/2017 Thank you very much XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had ( XXXX ) late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my report to this complaint on the following dates ( XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ). Im now requesting that you investigate this account and provide verifiable proof with records showing that I had late payments. If this information can not be verified within XXXX  days then I demand these payments be immediately updated to paid on time. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1800.00}, XXXX XXXX XXXX XX/XX/XXXX {$13000.00}. XXXX : XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

I went onto get my free annual credit report and Experian said they were unable to process my request, ( although I had just received my report from XXXX and XXXX ), however Experian was willing to mail me my report for {$20.00}! I feel as if I have just been cheated!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX | sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Product: Mortgage

Quicken Loans I had an autopay set up on the loan. The payment amount had been the same for the entire term of the loan. In fact, I always overpaid the amount due each month. 
I moved in XX/XX/XXXX. I updated my address with Quicken Loans for all mailed statements in XX/XX/XXXX ( in a timely manner Quicken Loans contacted me by phone in XX/XX/XXXX to let me know that the impound account ( tax payment ) had increased and that I had a new monthly mortgage amount. I was traveling abroad at the time, but I DID call Quicken Loans back and spoke with an agent. It was late XXXX ( around XX/XX/XXXX ) and I let them know that I would send the difference for XXXX ( new payment amount - autopay amount that had been sent in early XXXX for regular monthly payment ) PLUS the entire new amount for the XXXX payment immediately by mobile banking from XXXX XXXX XXXX. I immediately initiated payment from XXXX  XXXX XXXX on XX/XX/XXXX. The payment was received by Quicken Loans on XX/XX/XXXX and they had reported me to the credit bureau on XX/XX/XXXX. 
Note : I DID make payment for XXXX in a timely manner ( on/around XX/XX/XXXX ) but they put this amount into an escrow account bc it did not include the {$9.00} increase for taxes. I DID speak with Quicken Loans to explain that I was over seas and would make payment immediately on XX/XX/XXXX. The Quicken Loans agent made a note in my account and said that would be acceptable to them. I have filed numerous appeals with Quicken Loans, I have zero history of ever making a late payment with them, and they continue to refuse to remove the late payment from my credit report. My credit dropped from XXXX to XXXX as a result of this report ( for a discrepancy of {$9.00} ) which I paid BEFORE the XX/XX/XXXX deadline to be reported to the bureau AND I had communicated my situation to Quicken Loans prior to the deadline. Thank you, in advance, for your assistance.
Product: Student loan

In early XX/XX/XXXX, I spoke with a representative from FedLoan Servicing concerning my Public Loan Forgiveness and was told to recertify my PSLF and apply for XXXX  Loan Forgiveness. They stated I could complete both forms and see an even greater reduction in my student loan debt. I filed the paperwork in XX/XX/XXXX and had made 53 of the 120 qualifying payments. I requested a forbearance for a few months because I relocated and when I called to cancel it and resume payments, Fedloan had placed me in its own forbearance for the XXXX Loan Forgiveness, which removes {$5000.00} off of the overall loan. They would not allow me to remove that forbearance, which remained on my account for several months. 

In XXXX or XXXX, the forbearance was lifted, I received {$5000.00} off my student loans, but the interest that accrued made my student loan increase by around {$3000.00} higher than it was when I applied and received the discount. There was zero benefit to me as a lender and it increased my overall loan amount. When I called FedLoan in XXXX about the issue, I was told by a very disgruntled employee that there was nothing that could be done and that my PSLF qualifying payments would start over because I completed the paperwork for XXXX Loan Forgiveness, which one of their employees told me to complete in order to decrease me loan. At present, my qualifying payments went from 53 to 5, which is completely unacceptable. I would have never applied for the XXXX Loan Forgiveness if the employee hadn't informed me it would help my situation, and if I had known it would restart my qualifying payments. I was nearly 50 % complete with making qualifying payments and now I have to start over from scratch, with a loan amount that is much higher than when I started paying FedLoan Servicing in XX/XX/XXXX and when I submitted the applications in XX/XX/XXXX. This is unfair, unacceptable, and a complete rip off.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

XXXX XXXX XXXXXXXX Mortgage Loan Originator XXXX # XXXX XXXX XXXX XXXX XXXX ' XXXX My spouse called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my husband with what he thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted me directly to consent to this inquiry. My spouse was NOT aware this was for a mortgage application or loan as she never identified herself as such. I called her directly later in the afternoon after receiving an email that my credit had been pulled. She answered the phone with " Hello '' to which I asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once I realized she pulled our credit, I queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

I called again later in the afternoon after checking my credit report via XXXX. I explicitly advised my credit was pulled with my date of birth and social security without consent. Same for my spouse. There was no formal application with signature on either of our ends. I had never even spoken to her. I asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing. 

PLEASE ADVISE. I attempted contact with credit union ( s ) directly but was advised I needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Information attached is only after I reviewed my credit report and realized she is with a mortgage lender and not to screen for VETERAN eligibility related to the house/listing. 

Thank you.
Product: Student loan

Firstmark Services has been illegally collecting on a debt that was obtained through predatory and illegal means. Multiple Attorney General 's have found the respective owner 's of the XXXX XXXX acted illegally, therefore costing the school it's accreditation, full closure, and Department of Education and numerous Attorney General findings of pervasive and predatory fraud that was both rampant and detrimental to students dreams ( which were crushed ). The burden of proof for Discharge for the " Note '' has been met. Not only has the loan been outstanding since XXXX, it has created cyclical and long-term debt-bondage from an invalid debt.

The validity of the contract itself, is in question as it is unconscionable, and deprives students the basic tenants of Law afforded by The Constitution. I.E., I am stipulating that the contract is both invalid and negligent as it was obtained via manipulation, deceit, and illegal predatory tactics. I am requesting the full discharge of said loan, including the reimbursement of any and all amounts paid, including interest paid/earned. Clauses in numerous courts, including bankruptcy and contractual as the " Note '' itself predatory debt bondage as the school has closed since XXXX, which is same year that accreditation was lost, yet Firstmark Services continued to fraudulently collect on a debt that was known to be illegal in nature and obtained illegally. 

The below is a quote from the President of the United States of America regarding the XXXX XXXX, with the latter consisting of Education Department findings. 

This institution falsified data, knowingly misled students, and cheated borrowers into taking on mountains of debt without leading to promising career prospects at the end of their studies, XXXX XXXX XXXX said in a statement. 

Based on an ED finding that The XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at the Art Institutes from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX.
Product: Mortgage

Mid first is attempting to foreclose on my home with a fraudulent assignment. I have requested proof of claim but Mid First has failed to respond. The QWR I mailed has not been responded to either
Product: Checking or savings account

I have over XXXX in my Juno Finance checking account. I got a message from XXXX saying that my Juno account had been disconnected and that the account was no longer valid. I got a message from my landlord saying he hadn't received rent.

I reached out to Juno and they said that transfers are currently having issues. I got NO email warning me that this was happening, the app looks normal, and my direct deposit went into my account yesterday. Tried to use my card and that is also not working I have no way to access my funds, and the customer service number at Juno is not picking up. They just made a vague tweet about it with no solutions or timeline for people who need access to their money. I don't know what to do. I need to pay rent and my credit card bill is due tomorrow, this is my only bank account.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$260.00}
Product: Credit reporting or other personal consumer reports

TransUnion is reporting collections on my credit report, for accounts I am not liable for, nor signed contracts for. 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. Again, I do not have accounts with the following companies. 

-XXXX XXXXXXXX XXXX acct # XXXX original creditor : XXXX XXXX XXXX XXXX acct XXXX XXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX original creditor : XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against 3 Credit Bureaus if they did not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX : {$2800.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$620.00}.
Product: Credit reporting or other personal consumer reports

This is not my account and was never verified. XXXX and XXXX have both deleted this account. I am demanding that Transunion remove this incorrect information from my credit report XXXX XXXX. The creditor was contacted and could not verify this information.
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 1681 section 602 A. States I have the right to privacy.

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

Recently, I did an investigation of my credit report and found several items to be inaccurate. 

Under 15 U.S. Cod 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of information concerning the individual about whom the report relates. 

It is my understanding that you will reinvestigate to ensure accuracy. 

XXXX : Account : XXXX XXXX XXXX XXXX :XX/XX/XXXX XXXX : Personal Information : XXXX MXX/XX/XXXXXXXX Employment : XXXX XXXX Bank Addresses Reported : Hard InquiriesXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX : XXXX XXXX
Product: Checking or savings account

XXXX they said XXXX should be mailed there is more in there
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX, I recently wrote a complain about all the credit bureaus explaining why XXXX XXXX XXXX XXXX is on my credit as a charge-off with a balance of XXXX dollars. I never received any validation, letters, or email from XXXX XXXX XXXX XXXX, after they took the car. The repossession wasn't peaceful, they was rude and we got into an altercation, and on top of that I didn't receive a presale or post sale letter. If this item can't be verified I need it deleted off my account., according to the FCRA Law Statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX U.S.C XXXX section XXXX A states I have the right to privacy XXXX XXXX XXXX section XXXX A section XXXX : it also states a consumer reporting agency can not Furnish a account without my written instructions I Asked the Credit Bureaus to do a verification of everything on my credit report and they did they said everything on it is accurate on my credit report they stated it was accurate after they did there own investigation I Did a thorough research my self and I found out improper inaccurates on my credit report even after they did there research on this account thank you company name : XXXX XXXX XXXX XXXXXXXX XXXX # : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are continuing to report the account XXXX XXXX XXXX XXXXXXXX on my credit report when XXXX XXXX XXXX  informed me that they have contacted the credit bureaus to have them remove the account. XXXX is the only credit reporting agency that has removed the inaccurate account. Please see the attached letter that was sent directly to XXXX XXXX XXXX  which is dated, and time stamped. XXXX XXXX has done their part, so if this is not immediately removed, I will be seeking legal action against XXXX and TransUnion.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Experian stated that these accounts were properly investigated but how can that be? How can you verify My information that was fraudulently use against me? it wasn't me. These accounts and info are fraudulent and are being used against me. I have disputed these items multiple times I even stated that all my documents and information was stolen in XXXX and again in XXXX. 
M

y driver 's license, social security card, debit cards and various more important documents were stolen. I've never owned a car so I don't even see how I would owe for 2 cars. My identity was stolen, and my rights were violated under 15 U>S>C 1681 Section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given Experian written or any type of permission to furnish these accounts on my credit report as well.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under FCRA to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumers provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 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 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.