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

15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been harassed and called by multiple debt collectors in an attempt to retrieve payment for a debt that I have never had prior knowledge of or gave consent for anyone to open on my behalf. Ive notified the creditor of the debt that I have no responsibility to the account and that it was opened fraudulently and needs to be removed but I have not had any success in resolving this matter thus far.
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.

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 c
onsumer 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$36000.00} ; XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$6700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows three different reports on all 3 bureaus. Incorrect data reporting and unclear billing. Very fraudulent
Product: Debt collection

Caine and wiener have been harassing me via phone and mail and also added a collection account to my credit report for {$180.00}. I have been dealing with this harassment for over 3 years now and I still have not received a clear answer as to why I am being charged and harassed
Product: Student loan

I have a few issues but I 'll start with XXXX. They allowed me as a student to take loan after loan out to attend a fraudulent school that lied about accreditations, future jobs and they are reporting false information on my credit reports that has and continues to cause due hardship. XXXX tells me I can only apply for a voluntary forbearance which has doubled my loans because of the interest. I ca n't pass a credit check for employment and I have to pay XXXX - XXXX the deposit for an apartment because they report my loans as derogatory on my credit reports. This is false and when I filed for chapter XXXX BK in 2015 they XXXX out my balances and marked my accounts as derogatory. When my BK was dismissed because I could n't afford the payments they opened new accounts in addition to the accounts they marked as derogatory. The school I attended, XXXX - XXXX University, approached me in my last semester before graduation and told me that I owed {$5100.00} in books and student fees and that I would not be allowed to take any more courses until I paid in full. I still get harassed today for this money. I paid {$2000.00} but still owe {$3100.00}. They report on my credit reports twice by XXXX different collection agencies for the {$3100.00} which causes additional hardship. 

My other complaint is exactly the same but it is for Nelnet and XXXX XXXX XXXX XXXX. They also came to me my last semester and said that I owed them {$5000.00} in books and student fees and that I would not be able to graduate until I paid. They lied about future jobs, school accreditation, and they pressured students into signing up for loan after loan only to tell students that we still owed money and could n't graduate. After being forced to leave school because I did n't have {$5000.00} they told me the only relief from my student loans was to consolidate them and then file for the voluntary forbearance. My loans at Nelnet have increased because of the interest and have gone from {$45000.00} to now {$75000.00}. No degree or job from XXXX and no help from Nelnet to stop taking so many loans for a fraudulent school. 

Between the XXXX schools I came out with {$75000.00} in student loans which is now {$130000.00} because both XXXX and Nelnet say I can only apply for the voluntary forbearance. 

$ XXXX, no degree, 10 lost years and ruined credit. These loan servicers should be held accountable for working with these fraudulent schools and pressuring students into taking so many loans. They lie to students and they glorify the school and future jobs and income levels, then once they are enrolled they just want you to keep signing the loan documents. $ XXXX and no degree!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. 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 according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XX/XX/year> I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.i request immediate investigation and removal of these XXXX items, as it is incorrect and does not reflect my true credit history.
Product: Credit card or prepaid card

We bought tires from a XXXX XXXX in XXXX of 2022 and it was bought on XXXX interest promise. I was charged a finance charge of {$470.00} and then was by the company told that if I wanted that charge removed I needed to pay the balance. I was speaking with them and they disconnected our conversation and I was not able to get anything resolved. I have made my payments on time at least minimum most of the time more. We were never told that after 12 months they would charge us interest for the entire purchase.
Product: Student loan

On XX/XX/XXXX I sumbitted a buyback request for time periods in XXXX that should count towards PSLF because I was employed at a qualifying employer and these should have been reflected in the updated count. However, I never received a response on this " buyback '' and reconsideration request. If the payments were calculated correctly, I would have been at 120 payments and my loans would have been discharged under PSLF. 

On XX/XX/XXXX, I submitted another employment certification and my qualifying payment count was updated to XXXX. On this day, I also submitted a complaint that my original buyback and reconsideration request was not acted on within the 45 day time period. I was told to contact XXXX. XXXX responded that I had 7 months in forced post enrollment forebearance that should count given that I have qualifying PSLF employment but that the Department of Education needed to address this now that they are administering the PSLF program. So, on XX/XX/XXXX I submitted another buyback request for those 7 months. I still have not recieved a response from the buyback/reconsideration request from XX/XX/XXXX. When I contacted the Dept of Education on XX/XX/XXXX they said that my XX/XX/XXXX buyback request review was completed, but I still have not received any communication on whether any of my requests have been approved or denied and the one-time account adjustment for forced forebearnace was never applied to my account. If the Dept. of Education applied the counts correctly, I would be over 120 qualifying payments for PSLF.
Product: Consumer Loan

I have a loan with XXXX, which when first acquired the loan was told it would be easier to get additional loans and refinance for better rates. I have gotten lots of mail from them stating I was pre-approved for a new loan or to refinance. Today I decided to refinance my loan which is at XXXX % since I have not missed any payments, my credit has gotten better altogether and I have more income. The loan, which I was pre-approved for, was denied for insufficient number of satisfactory payments on my existing loan. The original loan taken out in XX/XX/2015 has almost 2 years of payment history and just over 1 year left with most of the balance paid. I have never missed a payment to date or been out of the grace period. Lending club could not answer several questions for me. If the # of payments is insufficient then why am I getting pre-approvals for a refinance? What is the required number of payments since I am XXXX 's done with them? I was told that they do n't have a specific number of payments but that every loan is different. 

This may also be a high interest lender just advertising low rates. They take investors money at XXXX % ( per website ) and make loans at XXXX % APR ( per website ). I do n't know of any borrower from them that is receiving rates below 10 %. They must make a profit as well but if they get their profit by not offering better credit borrowers the advertised low rates then its false advertising. 

I feel that this is being done to keep me locked in my loan at XXXX % interest rate, XXXX APR. With me in a better position then when I got the loan. I believe its either false advertising and discrimination to keep credit challenged individuals locked in to high rates even if their credit improves.
Product: Credit reporting or other personal consumer reports

Rental property was originally XXXX XXXXXXXX XXXX who I was renting from month to month. Original owner of building alerted tenants of building being sold to XXXX XXXX XXXX Notices were given out to renew with XXXX XXXXXXXX XXXX if we wanted to continue to live there with raised rent if not we had 30 days to move which I did. I never had a contract/lease with XXXX XXXX XXXX and they can not provide one because there is not one. The {$650.00} deposit was also not returned by original owner XXXX XXXX XXXX. XXXX XXXX XXXX  never had a lease with me because I left within the 30 days of notices due to not wanting to renew a new contract with the new owner/XXXX XXXX XXXX I had already spoken to management that I was not renewing with them. I now come to find out years later that they are still trying to charge me through National Credit System a collection agency without proof of a proper contract a total of {$1200.00}. This is a scam.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

This letter serves as a formal complaint against Credit Control , LLC, a third-party debt collection agency that is illegally attempting to collect a debt from me in the Commonwealth of Virginia without proper licensure or documentation. 

I have never had any contractual agreement with Credit Control , LLC for any debt, nor have they provided any legally valid proof that they own or have been assigned this alleged debt. Their actions are unlawful, deceptive, and in direct violation of state and federal consumer protection laws. 

Additionally, this company is reporting negative information to the credit bureaus related to this so-called debt. The tradeline in question contains inaccurate, unverifiable, and misleading information, which is actively damaging my credit and reputation. 

Legal Violations Committed by Credit Control , LLC : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e & 1692g Reporting and attempting to collect a debt without providing validation or proof of authority from the original creditor.

Using false, deceptive, or misleading representations, including falsely implying that they are legally permitted to collect debt in Virginia.

Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 Furnishing inaccurate or incomplete information to credit reporting agencies.

Continuing to report the debt after failing to verify its accuracy upon request.

Virginia Code 6.2-2001 et seq. Virginia Consumer Finance Act Operating without a valid debt collection license in the Commonwealth of Virginia. Any debt collection activity conducted without proper state licensing is illegal and grounds for immediate enforcement action. 

Unjust Enrichment and Fraudulent Representation Attempting to collect funds that have not been proven owed by me constitutes unjust enrichment and a bad faith effort to profit from an illegitimate claim.
Product: Credit reporting or other personal consumer reports

I applied and was getting rental assistance from XXXX XXXX which they sent a link for XXXX to fill out. XXXX XXXX said he wasnt accepting it. Told me that if I give back possession of the property and return the keys before court date on XX/XX/XXXX, they were not filing eviction. I moved out on XX/XX/XXXX and my son dropped keys off before court date and time. I also emailed them to let them know to avoid the eviction filing. Company filed illegally regardless. I attached copy of the email they sent saying that statement.
Product: Debt collection

Thank you very much for all the help you provide. I filed a complaint a few years ago against a collection agency who was reporting an account on my credit report. it was an account created through identity theft. At the time I had sent a notarized Identity Theft Affidavit and a police report to the collector as well as to the credit bureaus and nobody was fixing the account. After I filed a complaint to you I was able to have the account deleted. 

Today I am facing the same problem. A collection agency named Enhanced Recovery Collections is collecting for an XXXX account which is at {$1700.00}. I sent a notarized ID theft affidavit as well as a police report and a dispute letter to them as well as the three credit bureaus back on XX/XX/XXXX. No company has sent me a response and it has been three months. This is really hurting my credit score and preventing me from obtaining financing. 

I called Enhanced Recovery Collections today along with a consumer advocate and we spoke with an individual named XXXX XXXX # XXXX. The advocate informed him of everything that was going on and XXXX XXXX said they hadn't received any notices. He asked if there was a reference # on the letters. The advocate informed him there wasn't because the credit report didn't have one. XXXX gave us a reference # and said he would send us a fraud packet. My advocate asked him to send it but he also asked why we would need another fraud packet when we are providing one that's notarized along with a police report. XXXX XXXX said it needed to be specifically for XXXX. 

I understand why ERC may be asking for an XXXX specific fraud packet, but I don't understand why they haven't responded to my letter or to my credit bureau disputes I also sent. My advocate asked him the same questions in the phone call today and XXXX XXXX said they hadn't received any disputes from the bureaus either. All of this is bringing back memories from two years ago when I went through the same problems trying to remove fraud accounts from my report. Everyone was claiming they hadn't received my notices or were ignoring me. My consumer advocate let XXXX XXXX know I was going to simply file complaints because I couldn't restart the process after three months. XXXX XXXX told him he could send us to the escalations department but that wouldn't make anything faster. The advocate then told him I would file the complaint to you. XXXX then acted like he didn't care anymore and that's when the call ended. 

This complaint is so you can help me again. I am very upset that I have to go through the same problem again and I am very upset that no one is doing their job again. How long do I have to suffer for this? It is not my fault I am the victim of fraud and to continue to have to put my life on hold and have my good name ruined due to fraud is very upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian, and XXXX Credit Card, reported consumers private non-public information without lawful disclosures and authorization from consumer which violates consumer law. All four entities listed above have been notified and failed to comply with consumer laws made by Congress. Consumer has been denied an extension of credit four times and damages have incurred.
Product: Payday loan, title loan, or personal loan

I had signed up for a small loan with the comapny Money Lion early XX/XX/2018. The loan was for {$600.00} to be paid in weekly installments of approximately {$24.00} at 5.99 % interest. It wasn't clearly explained that I would also be signing up for their membership with a fee of approximately $ XXXX/week as well. 

I paid the loan off and the weekly membership fees late XX/XX/2018. I request that my account be closed since the loan was paid off and I could not afford weekly fees. I was not sure what use the fees were, but I was desperate and needed the {$600.00} for rent. On XX/XX/2018 I called to close the account. The rep on the phone said she would try to run an ACH payment but it wouldn't clear and I could not close the account with pending transactions The company takes 3-5 business for ach payments and I would have to call in exactly after the transaction cleared from the prior week but before the following payment went into queue. I asked if I could pay with a debit card the next morning if that would be faster. She said if I called first thing ( XXXX pacific ) then I could pay and close the account. 

I called at XXXX on XX/XX/2018 and was told I couldn't process my debit payment because the ACH payment was already charged. She also explained that there were two more payments on my account that would have to be paid before it could be closed. I called back at XXXX to explain that I got a notification that my payment had cleared from the prior week and to see if I could process the payment and close the account. The representative said they had to escalate the issue up and said they would try to cancel the payment. No word back on the status while the payment is still pending. 

Because I was unsure of all the payments being processed I called my bank to put a stop payment earl this morning ( XX/XX/2018 ) on all fees being charge from this company. I am in process of sending a letter to the office address to state in writing that I want my automatic payments to stop and to cancel my account. 

I am a survivor of a XXXX XXXX and suffer from XXXX. I can not handle the stress of this company their lending practices. I feel victimized by their methods to never get out of paying almost {$130.00} a month for a service that offers no benefit, after then loan has been paid off.
Product: Debt collection

I contacted Capio Partners to dispute validity of a debt from a hospital ER visit, I was referred by a representative at Capio partners to send them a email I emailed them on XX/XX/2021 I received a letter on XX/XX/2021 from Capio Partners with documents an intemized bill that contained my personal health information that was illegally obtained by Capio Partners I never signed a HIPAA release form for them to obtain my information with them or with the hospital XXXX XXXX XXXX XXXX I believe they are in a direct violation of HIPAA laws. I also have reason to believe that XXXX XXXX XXXX XXXX is also in direct violation of HIPAA by providing this information to Capio Partners without my written consent via HIPAA release form.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inaccurate account on my credit report with Experian for XXXX. I have sent both the Experian and XXXX a letter requesting an investigation of this debt but it appears that the bureaus has failed to conduct an actual investigation into this error. It is illegal for a consumer reporting agency to report an account without sufficient documents and proof that the debt belongs to me. It is also illegal for a consumer reporting agency to ignore a consumers dispute. I demand that this account is deleted from my credit report.