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

I am requesting ALL of my disclosures pursuant 15 usc 6802B that youve should have conspicuously disclosed to me before reporting of my non public personal information to non affiliated third parties ( XXXX, XXXX, XXXX. Cavers ) A financial institution may not disclose non public personal information to a non affiliated third party unless A, B, C was done. 
You did not properly give me my disclosures. 

I am exercising my right to opt of my information being reported pursuant 15 usc 6802b.

You actions has caused me and my family severe mental trauma, deformation of character You 15 usc 6801 you have an obligation to protect my information Have violated my consumer rights. My right to privacy and the obligation you have to maintain the security and confidentially of my private information.

15 U.S. Code 1681a - ( 2 ) Exclusions. States report containing information solely as to transactions or experiences between the consumer and the person making the report. A late payment in fact is a transaction or experience and the information youre sharing to non affiliated third parties like, XXXX, XXXX, XXXX is in fact supposed to be excluded from the consumer report. 
30-60 Days late.

Your actions amount to aggravated identity theft.

18 usc 1028A, As an consumer you have an obligation to respect the privacy of its customers to protect the security & confidently of those customers non public personal information.

18 usc 1028A - Aggravated identity theft Whoever knowingly Transfers, possess, or uses without lawful authority a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Furthermore you have no lawful authority or permissible to put any accounts on my consumer reports
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.
Product: Checking or savings account

my name is XXXX XXXX, I previously started this complaint earlier today with XXXX XXXX Employee XXXX ), but he hung up on me before the complaint process could be completed.
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. XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

XXXX credit report shows revolving credit account open with a balance in my name that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is choosing to ignore a Federal Document I was told I was told by TransUnion to send this document in after over a week of them having the document they let my existing dispute close. Then their next problem was choosing not to accept the document. I feel like this company is racially discriminating against me. The document that I provided proved a clear case of fraud against me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hello! My name is XXXX XXXX XXXX and I am a XXXX citizen. I am making this complaint about TD Bank because on two occasions a debt collector has broken into my bank account and collected money without my consent. This bank has allowed someone to break into my account and collect a medical debt without prior notice. And as if that were not enough, they charge me additional fees for this " service ''. This is not a secure bank account and you are not protecting me as the customer. The first time it happened I called them and they told me this would not happen again. A year later it happens again. 
More than {$600.00} comes out of my account without my consent, leaving the money for my rent and food for my children incomplete.
Product: Debt collection

Lobel financial has been falsely reporting missed payments to my creditors and flagged it for repossessions. I have never had any contract with this company, nor have I had any car or auto loan from this company. The company refuses to provide me with any documentation or information thats has my signature. I am a victim of identity theft this is hurting my credit report I'm not able to get a home or anything with this false account. According to the FCRA all accounts must be legally verified or removed. A police report was filed when I found out about the fraud account and it has still not been removed from my credit they are still reporting falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference and in accordance with the Fair Credit Reporting Act ; this is in reference to XXXX XXXX XXXX  account # XXXX and Discover account # XXXX 15 USC 1681section 602A states that individual consumer, I, have the right to privacy 15 USC 1681section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Student loan

Nelnet is the student load servicer I am writing you about. 

New student loan repayment plan SAVE has been made available and I applied for it on XX/XX/XXXXXXXX  via studentaid.gov. I was approved for it, with monthly payment of around {$45.00}. My information was transferred form studentaid.gov to Nelnet. Nelnet has requested our ( and of my spouse ) income information for years XXXX. I submitted all this information on XX/XX/XXXX. Needless to say, all this information was already pulled into studentaid.gov via previous tax returns, and was redundant, yet we summitted this information. 

I was just informed that they have reviewed my submissions and me a bill due XX/XX/XXXXXXXX  in amount of around {$450.00} - 10 times of the calculated on studentaid.gov. 

They have not placed me under SAVE plan, as I have requested, instead Nelnet website shows an obscure " Income-Based Repayment ''. 

Moreover, they have already charged me interest of around {$150.00}, and I see this amount added to my total student loan. The student loan payment have not started yet, yet interest is already being added, and the whole point of me applying to SAVE plan was to stop interest from being accrued. 

The company has no way to communicate with them in writing via my account. I am able to send an email, and call them, however call wait times are hours and emails are not tied directly to my account. 

XXXX. The student loan provider should not take a month to process my request to switch to SAVE plan. 
XXXX. The student loan provider should switch me to SAVE plan and if not explain why not, instead of what is happening now - no communication. 
XXXX. I should not accrue interest, while they take months to process my request. 
4. Communication is lacking, web interface does not explain what is the status of my accounts and under which repayment plans my accounts are, only says ( Income based repayment ). Should say PAYE/REPAYE/SAVE instead... 
XXXX. I shouldn't sit on a phone for hours waiting for customer support. I should have a way to communicate with the service provider via my direct account. 
XXXX. I have submitted all tax information to studentaid.gov via IRS, there is no reason NELNET should hassle me for REDUNDANT income information for XXXX ( which I did promptly provide ). 
XXXX. On XX/XX/XXXX I have received an email stating that my account was put on administrative forbearance, 3 days later later I received an email stating that payment is due XXXX, XXXX the amount of what studentaid.gov approved and processed me for. 
XXXX. The behavior Nelnet is exhibiting to me appears criminal. They are delaying and misprocessing the applications, charging interest, where they should not and have no direct means of communicating with them, while obfuscating information that should be readily available. 
In previous many years my student load provider was Great lakes, I have never experienced anything like this. This is unacceptable, I feel I am being scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am updating another claim as it pertains to an error in reporting either by Transunion or by XXXX XXXX XXXX XXXX. I, XXXX XXXX XXXX have never had a line-of-credit with XXXX XXXX XXXX XXXX. This was a simple checking and savings account. Therefore, this account is reported erroneously. It is indicated that I had a line-of-credit account opened approximately XX/XX/XXXX and was closed on or about XX/XX/XXXX after paying the balance on XX/XX/XXXX. This is incorrect and the evidence will show that the past dispute with XXXX XXXX XXXX XXXX was for the assessment of overdraft fees by misapplying funds inappropriately. During a period between XX/XX/XXXX-XX/XX/XXXX, my checking account was noted to be spent down despite funds being available ( deposits, wages, etc. ) and the bank would charge overdraft fees and then the available funds. The sequence of deposits and withdrawals were not processed in the manner in which they should have. I will resubmit this to the bank based on the Transunion settlement claim as well as to two or more agencies, specifically the NCUA because I never had a line-of-credit with XXXX XXXX XXXX XXXX and the dispute was over {$300.00} in overdraft fees and statement fees between XX/XX/XXXX-XX/XX/XXXX. This matter is hereby updated to include erroneous reporting by XXXX XXXX XXXX XXXX in regards to an account that I never authorized ( i.e Line-of-Credit ) or was known to have. This information was submitted to the attorney for Transunion per request ( s ) and was further indicated that a release would not be signed by XXXX XXXX XXXX in regards to Transunion reportings on the credit report.
Product: Credit reporting or other personal consumer reports

There have been several inquiries on my credit report that I didn't initiate or give consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint Im making about Wells Fargo after I made the first complaint they sent my mortgage to be serviced by another company called XXXX XXXX so all that remained at Wells Fargo was an ELOC, equity line of credit it wasnt a second mortgage it was an ELOC, a year later they are misrepresenting my payments if I pay a XXXX over them they save it for the next payment and say Im not having enough money to make the payment there by it shows on my credit report is being late now theyre ruining my credit yet again then without my knowledge they turn the equity line of credit into a second mortgage thereby making me purchase hazard insurance and I just gave them the premium XXXX/XXXX  dollars just because I didnt want my credit ruined anymore but this is the big thing they never notified me how can they do you do that I want like over {$300.00} back because its not a second mortgage and that its an equity line of credit they should be shut down theyre crooks they should be shut down I want my XXXX something dollars back because its not a second mortgage its an equity line of credit and I want my $ XXXXback for the premium for hazard insurance because its an equity line of credit it is not a second mortgage and I want Wells Fargo to be penalized they should be shut down they're such criminals I want Wells Fargo to fix my credit report because I wasnt late on anything they just chose to look at a little bit of an overpayment and say its a short payment when it wasnt I want my credit report fixed from those crooks and I want my over {$330.00} premium back because its an equity line of credit not a second mortgage Wells Fargo should be penalized Wells Fargo should be shut down they are such criminals
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX 2  LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$200.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX XXXX - PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Highest balance {$2300.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Regarding RCS aka Residential Credit Solutions , Inc They falsely reported that we submitted NSF checks for XX/XX/XXXX & XX/XX/XXXX payments. 
As soon as we submitted proof that they received payment RCS claimed XX/XX/XXXX and XX/XX/XXXX check payment also was NSF. Then the story changed, RCS alleged that we wrote the check on a closed account. The check had not been presented to our bank. After a heated exchange yesterday, miraculously the check in question was submitted for payment this morning. RCS failed to return phone calls, confirm payments and did not ever mention reversing late fees they assessed to our account. The expedite hot line never returned a call. Customer service was no help and was only concerned with collection information updates. Complaints are filed with Attorneys General with XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, TX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX illegally changed the status of 2 XXXX XXXX ACCOUNTS which were XXXX in XXXX XX/XX/XXXX. I supplied them with my XXXX Schedule schedule confirming the date of first delinquency being XX/XX/XXXX. They reaged the accounts by listing that date as XX/XX/XXXX, date XXXX was XXXX. 

Instead of simply deleting the 2 accounts which are in violation on FCRA statutes, a representative decided to illegally change the status to CHARGED OFF and they have added balances due upwards of {$45000.00} which is ILLEGAL and FRAUDULENT. 

My credit score PLUMMETED XXXX POINTS due to their negligence! 

I am attempting resolution 1 last time before litigation. My fresh start was stolen from me as I have battled their inaccurate reporting since day 1. 

I have attached my XXXX SCHEDULE proving the 2 accounts referenced are required to be deleted per FCRA statutes. 

I have also attached my EQUIFAX credit report prior to their arbitrary change of status to the above accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 2. The following status is Incorrect and unverifiable XXXX Account XXXX : XXXX Delete this account. 3. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please Delete this account. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Please Delete this account.
Product: Debt collection

I receive notification from my credit report of a derogatory item on my credit. I further look into the matter as I do not owe anyone besides my normal routine bills. I see a collection from a company I have never heard of listed as " THE CBE GROUP INC-FORMER '' in the amount of {$680.00}. I have not seen anything in writing from this company notifying me of a debt owed, or any intent to place anything on my credit for me to dispute, nor verifying I am the actual owner of the debt which is in violation of FDCPA. This company further more is NOT licensed in State of TN to conduct any business with any consumers who reside here. I would like this deleted off my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

not getting investigation in 30 days, this is my third attempt address this issues with my credit report. 

I have proof of all 3 prior disputes. 

disputes include 2 closed account still reporting XXXX  XXXX is a authorized user I am on account. 

( FCRA ) 15 USC 1681i ( 5 ) illegal to report late payments and permissible purpose ( FCRA ) 15 U.S Code 1666b despite closed accounts are still reporting all 3 main bureaus are reporting different information reporting dates, late activity dates, closed dats.
Product: Debt collection

Subject : Request for Debt Validation Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, I am writing regarding the debt you have contacted me about, which you claim I owe. Under Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am formally requesting validation of this alleged debt. Please provide the following information : Proof of Debt The name and address of the original creditor. 
A copy of the agreement or contract that created the debt. 
Amount of Debt An itemized breakdown of the total amount you claim I owe, including principal, interest, fees, and other charges. 
Proof of Your Authorization Documentation that verifies your authority to collect this debt, such as a copy of the assignment or transfer agreement. 
Verification of Accuracy Evidence showing that this debt is accurate, valid, and not subject to error, fraud, or duplication. 
Until I receive this information, I request that you cease all collection activities, including reporting this debt to credit reporting agencies, as any unverified or inaccurate information could constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Please note that I am exercising my rights under the FDCPA, and this is not an acknowledgment or acceptance of responsibility for the debt. Additionally, further communication regarding this matter should be made in writing. 

Thank you for your prompt attention to this request. I expect your response within the 30-day timeframe stipulated by law. 

Sincerely,