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

In accordance with the fair Credit Reporting Act the list of accounts I have attached in my letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX US Department of Education XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy. 

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) 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
Product: Debt collection

I received a XXXX XXXX on XXXX XXXX, XXXX. We paid our out of pocket deductible to our insurance company. The insurance company was XXXX. After getting calls about unpaid bills that the insurance company did not pay, we agreed with the hospital to pay an amount of {$3100.00} and the account would be paid in full, and the account would be closed. I paid the amount of {$3100.00} on XXXX XXXX, XXXX with a XXXX credit card and received a confirmation number of XXXX that the account was paid in full. It is now XXXX of XXXX, over 15 months later and I have a outstanding balance on my credit report claiming I owe {$4900.00} to " med data systems '' I was contacted by credit agency via phone call and I expressed there has been a mistake. They replied by telling me they just collect the debt and it needed to be paid. I asked them to send me statement in the mail to validate the claim of me owing med data systems {$4900.00}. I never received a statement in the mail or a phone call. These claims have been a mistake by the billing department and now reflect on my credit report. I want my credit report to reflect that this claim of {$4900.00} is a mistake. I have paid the hospital in full and the account should be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM FILING COMPLAINT AGAINST THESE COMPANIES FOR REPORTING UNAUTOHRIZED INQUIRIES TO XXXX CREDIT BUREAU : 1. 3. CREDIT PLUS XX/XX/2021 XXXX XXXX XXXXXXXX XXXX 2. XXXX  XXXX XX/XX/2021 XXXX & XXXX XXXX 3. XXXX XXXX XXXX XXXXXXXX XX/XX/2021 AUTOMOTIVE XXXX 4. XXXX XXXX FINANCE, PERSONAL XXXX I'VE CONTACTED THESE COMPANIES AND REQUESTED THEY INVESTIGATE BECAUSE THEY HAVE REPORT INACCURATE INFORMATION TO THE CREDIT BUREA AND THAT I HAVE NO KNOWLEDGE OF THESE COMPANIES AND REQUESTED THEY PROVIDE ME WITH PROOF OF CONSENTING TO HAVE CREDIT PULLED. THEY HAVE IGNORED MY EMAILS AND WRITTEN REQUEST.
Product: Checking or savings account

Chime allowed several unauthorized transactions to take place from my checking account in one day. On XX/XX/XXXX A friend sent me XXXX for rent like he normally does each month and on the XXXX the money was sent to a person that showed up as a XXXX XXXX someone I do not know nor did I authorize rhe transaction and while explaining to the repesentitive what had taken place another unauthorize transaction took place while on the phone with them. First I had XXXX in the account before the XXXX rent deposit then it showed XXXX entering and leaving my account at the same time. I learned that my friend who sent the rent payment haf received a phone call from somebody stating they were a chime supervisor verifying a request I made for the funds he had already sent the day before. I dont know how they are able to remove funds from all these accounts without the account holder 's petmission but they are and how Ironic, no one ever get there funds back in the account. I was left with XXXX XXXX in my account without any explanation. They ate telling me it will take until XX/XX/XXXX to investigate however I believe they are trying to get rid of the proof they are a crupt business. This is so horrible that nothing is done about this company. I explained I didn't know the people or the phone numbers that showed on my phone and I was unable to denied the transferred transactions. The unknown numbers were XXXX and XXXX. Something is very wrong with the operations of this CHIME BUSINESS and they need to be investigated ASAP. I'm on a fixed income and there is no way othis gods green earth would I leave myself XXXX XXXX when I get paid once a month. Whoever is behind these schemes knew exactly what I had in my account. What a horrible experience. Who else can we seek help from with catching these crooks. Times are extremely to hard for people to be blatantly taken advantage of. Really you mean to tell me Nobody was awarded their funds back. This is unacceptable and should not be allowed. Help us all Please! Read the reviews about these people. I simply want my money back and no further dealings with these people. They are closing people accounts after a dispute is filed and no one ever get their hard earned money back. They will have to answer to God about Stealing!!!! He sit high but he is definitely sees Low.
Product: Checking or savings account

On XX/XX/2021 I called Wells Fargo about getting a refund on a return to a closed bank account. The banker that I spoke to said that I can still receive refunds on my closed Wells Fargo account before XX/XX/2021. XX/XX/XXXX was the 30th day of my bank account being closed. The banker told me that once they receive the refund then I would be getting a check in the mail. She also told that it will take about 3-5 business days to process any refunds so I made sure to go before. On XX/XX/2021 I went to the XXXX XXXX at XXXX, CA to return my online order. I returned my order ( order # XXXX ) in store and I would be getting {$93.00} in total. I was given back {$8.00} in a gift card, which I then cashed out for cash instead. Then I was told that the rest of the balance that is {$85.00} would go back to my Wells Fargo account ending in XXXX, which was already closed, but since I was told by the banker that I would be getting a check I let the refund go through. I waited and called back the next week and I was told my Wells Fargo that they have not received any refund from Gap. I then called Gap customer service, but they told me that they have already processed it and to wait a few more days. Around the week of XX/XX/2021 I called again and they kept circling back to what was already said to me that I should call Wells Fargo or the merchant. I did those things but there is no progress being made at all. They kept telling me to call back the next week to see what would happen to the money but still no progress from both Wells Fargo and XXXX. XXXX XXXX research department gave me a tracker number for the refund, but when I told Wells Fargo about it, Wells Fargo had no idea what that number was. XXXX XXXX customer service would hang up in the middle of the call because they can not resolve my issue. It would be better for them to tell me to call back the next day rather than hanging up in the middle of the call with no progress. Wells Fargo 's representatives are also clueless about being able to receive refunds on a closed account as long as its before the 30th day of the account closing. They needed to keep checking on someone higher up. Call times would be shorter if they are all in the same page. It is so frustrating having to call back almost every day for 3 weeks and having told the same thing while nothing was happening to be able to move forward for me to get my refund back.
Product: Student loan

I graduated from XXXX school in XXXX and since then I have worked continuously as an XXXX for the XXXX XXXX XXXX. In XX/XX/XXXXI consolidated of my Federal Student Loans ( about {$130000.00} ) through Direct Loans under the Income Contingent Repayment ( ICR ) program so that I would qualify for the Public Service Loan Forgiveness Program after 10 years of repayment. For the past 6 years I have made all of my payments faithfully. It is my understanding that the Direct Loans program was ceased and all federal student loan servicing was passed to XXXX XXXX, which was then passed to Navient. During each transition I have continued to pay faithfully. During a routine customer service call recently with Navient, I was informed that my loans were not on the ICR program and that I would not qualify for the Public Service Loan Forgiveness program. I was told that when Direct Loans was ended and the servicing was transferred to XXXX XXXX and then to Navient, that my loans automatically reverted to a standard repayment program. Which makes no sense at all because XXXX XXXX and Navient ca n't possibly change the terms of my repayment program unilaterally without any sort of notice to me. You can see in the document I attached from Navient there are highlighted references to me being an ICR borrower. In order to start to untie this mess I asked for Navient to produce a copy of the terms of my loan and the Promissory Note from the consolidation in XXXX. ( Which is the promissory note that underpins my obligations. ) Numerous times Navient customer service reps have claimed that Navient does not have a copy of the Promissory note or the terms of the loan given in XX/XX/XXXXand that I would need to secure it from the Department of Education. As the servicer of this debt though, Navient is required to be able to produce proof of the debt they intend to collect, right? Meanwhile the DoE is claiming that they do n't have any copies of the Promissory note or the terms of the loan from XX/XX/XXXXand that I would need to contact Navient. So each party is pointing the finger at the other and no one seems to actually know the terms of my debt and repayment. After contacting the Navient office for client advocacy and trying to make headway with my case there, my loan servicer was suddenly changed again to XXXX XXXX. Then suddenly I received notice that the terms of my repayment had been altered and I was provided with a standard repayment schedule at ~6 % interest. But the notice to me had not indication concerning WHAT had actually changed and what the terms were before the change. In addition XXXX XXXX also seems to have no idea about the fact that I was under an ICR program dating back to XXXX. I really need some help here. Qualifying for this program could means tens of thousands of dollars if not more than one hundred thousand dollars. Please help me to untangle this mess so I can complete my payments and put this debt behind me. Thanks very much in advance for your help.
Product: Credit reporting or other personal consumer reports

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach that has resulted in fraudulent activity associated with my credit file. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting that you block and delete the following fraudulent accounts and hard inquiries from my credit report immediately. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 

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

There is 34 inquiries on my credit file and their duplicated unnecessary hard inquiries with the same companies withe no credit history with the companies. 

XXXX 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 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 XXXXXX/XX/XXXX
Product: Debt collection

I submitted a complaint ( XXXX ) against PHH Mortgage Services on XX/XX/XXXX. They responded XXXX. I thought that the response was inadequate and full of fluff as I stated in my feedback dated XX/XX/XXXX. While checking my email today, I noticed that I received an email from my credit protection team. Per the email, XXXX reported a negative change in my credit report, which may be associated with a late payment. The creditor is PHH Mortgage Services stating that I have a Negative Account Change. This was reported on XX/XX/XXXX. 

PHH Mortgage Services stated that they are no longer my mortgage company after XX/XX/XXXX. When I contacted PHH Mortgage Services ( XXXX ) XXXX on XX/XX/XXXX, at XXXX, I spoke with a young lady. The call lasted XXXX minutes and XXXX second according to my phone information. I told her who I was and gave account information. She said, " Your account has been transferred to XXXX XXXX XXXXXXXX and to call them for account information. '' At XXXX, on the same day, XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX. I spoke with XXXX XXXX for XXXX minutes and XXXX seconds. She said that they would be sending me a packet and that no negative information would be reported for 60 days while they work on transferring my account. As of today, I do not have the packet she said would be sent out on XX/XX/XXXX. 

There was no discussion about anything except to contact XXXX I do not want to waste any more time, so I'm asking Consumer Financial Protection Bureau for next step ( XXXX ). PHH Mortgage Services was a nuisance from the start, and they were unable keep up with my mortgage payments properly and I feel that they have an erroneous system for charging fees to their customers. There is no way that I can do ( XX/XX/XXXX to XX/XX/XXXX ) another 5 years dealing with a ( debt collector ) fake mortgage company. 

At this time, I would like to know who I can elevate this issue with. Should I just get an attorney. I have moved on and ready to start with XXXX XXXX XXXX. I want my freedom back, because there is no freedom when dealing with a rogue entity like PHH Mortgage. I did not ask for their service and this is the problem when a company sell your contract to another. Especially when you do not know if they are any good. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is unbelievable Equifax has destroyed my life and are refusing to fix the problem I can not get my score or credit report my creditors can not run my credit I can not buy a house some I 'm stuck renting losing thousands of dollars each month I called 20 times now trying to fix the problem they refuse to fix it they say my file is split but refuse to merge it, they have told me to lie to creditors to try and remove items fraudulently so please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consume, am a victim of inaccurate reporting by the consumer reporting agency, Experian. I take great pride in my good name and established credit rating, and work extremely hard to ensure that my bills are paid in full and on-time every month. 
On or about XX/XX/2022, I sent a detailed written letter to Experian disputing the following information that is inaccurate and erroneous, and the information is, in fact inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , I also provided Experian with the following information so that they can verify my identity : copy of my drivers license and copy of recent utility bill.

The letter was sent certified by USPS and received and signed by XXXX XXXX ( attach hereto ) Experian is required to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file, usually within 30 days. 
After the 30 days timeframe, Experian did not provide written results following the required investigation. Experian violated Section 611, as I was not provided a written notice of the results of the reinvestigation within 5 business days of the completion of the reinvestigation. In addition, Experian did not provide in writing, per my request, a notice with a description of the procedure used to determine the accuracy and completeness of the information. 
Experian negligently and willfully violated the FCRA by failing to comply with its responsibilities under the FCRA 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy of the information in my credit reports and failed to comply with its reinvestigation responsibilities ( found at 15 U.S.C 16811i ) after receiving my written dispute letters by mail, resulting in the continued reporting of false derogatory information on my credit report. 

My Experian disputes clearly have been ignored and VIOLATED. In the interim, the disputed items were not noted on my credit file as in dispute. 

Experian has failed to cooperate and respond to my dispute requests, despite being provided a copy of the original dispute letter for review. As a result, Experian continued to report false derogatory information on my credit report which I have suffered severe ongoing financial, economic losses and emotional harm, including but not limited to : mental anguish, frustration, emotional distress, worry, anxiety, damage to reputation The denial of credit to Injury to reputation and fear Damages I suffered due to emotional distress including XXXX XXXX XXXX XXXX XXXX XXXX associated with being denied credit and treated as if I was irresponsible Instances in which the inaccurate and erroneous information contained in my credit report deterred me from seeking to request an increase in limit for my credit cards, finance a new vehicle loan Loss of numerous hours spent trying to dispute and clear up my credit report Pain and suffering
Product: Credit reporting 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. 


FRAUDULENT ACCOUNTS : 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 XXXXXX/XX/year> 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

There are a number of inquiries on my report that I did not authorize and I do not know why they are on here and I need them off as soon as possible. I called transunion and they would not remove them. Listed below are the name of the inquires and the dates of them all. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Incorrect personal information. Remove inaccurate names and addresses
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance XXXX {$4000.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Original creditor : XXXX XXXX. XXXX XXXX : {$8800.00}
Product: Debt collection

I received an unsolicited email from someone named XXXX XXXX saying that they were from True Accord. I did not recognize anything about what they claim was owed. There was an address listed for them so I drafted a letter requesting specifics of this alleged debt and sent it via XXXX certified mail on XX/XX/XXXX. The tracking informed me that the letter was received on XX/XX/XXXX. I have not received anything in response via mail as was requested yet I am still being contacted by this individual, the last communication being what has prompted this complaint. The email address sending these email is XXXX. I feel the need to bring this to someones attention to get this to stop. If they are breaking some type of law, I would like to know that and whether or not damages can be pursued. 
This complaint was sent to the company on XX/XX/XXXX. No validation of supposed debt has been mailed to me to view. Since filing complaint and requesting proof/validation of debt, I have received numerous emails in relentless fashion from the company and the same individual, appx. XXXX. These are all identified as SPAM and harmful by my email client, they dont even have my name correct. I demand that these emails stop. Surely a legitimate request would come via bill, invoice, letter by mail rather than some scam type email.