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

I check my credit somewhat infrequently. Today I was trying to apply for new credit cards to help with my month to month expenditures. I have been using this creditkarma website for a few years now. I saw that my credit score had been very different. I have 2 different scores. I froze my credit on 2 of the 3 major credit reporting agencies. The one I had difficulty with was Transunion. Transunion has a car loan that does not belong to me, a wrong last name, wrong address, and wrong mobile number. I have received student loans, and financial aid with my Social security and my name. I have my original social and know that my information is correct. But all of a sudden there are loans that should not be there. I tried to get the information fixed. Like how maybe it was an improper merge? However the person lives in the same city and not too far from me, from what the address of the individual who is not me has on my credit report. I can't log into one of the credit reporting agency websites because it asks me about loans and locations I never applied for. I need help desperately please.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX - XX/XX/XXXX - I did not authorize this inquiry? - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - The following inquiry was not authorized and should not be reporting. 

Incorrect Address - XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - The personal data reporting is inaccurate. 


XXXX XXXX XXXX XXXX XXXXXXXX - XXXX
Product: Credit reporting or other personal consumer reports

I seen an account by XXXX XXXX that is in violationof my rights also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : Account # : XXXX, XXXX XXXX XXXX : Account # : XXXX, XXXX, XXXX. : Account # : XXXXXXXX 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

in accordance with the fair credit reporting act XXXX  account # XXXX, ( ENHANCED RECOVERY CO L ) has violated my rights. 

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

15 U.S .Constitution 1681 section 604 A section 2. its stating that the consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my records, the payment in question was made on time. I have attached bank statements that confirm the payment was processed before the due date. 
Natural Disaster Impact : The account was affected by a natural disaster during the period in question, which should have been taken into consideration. Creditors are required under certain circumstances to provide hardship relief due to natural disasters, and this has not been reflected correctly in my credit report. 
Inconsistent Reporting : The account is reported differently across various credit bureaus. The inconsistencies between TransUnion, XXXX, and XXXX in regard to the payment status and dates further indicate the presence of errors in the report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Please i need someone to help me here. I sent out my first dispute letter to TransUnion XX/XX/2021 and again every single month up to XXXX and to this day i have never received any information on the investigation status, deletion status or even verified. There are 2 inaccurate accounts on my TransUnion report and they are listed bellow yet TransUnion or The companies have yet to verify these accounts. I am completely in the dark and it has been well over 30 days. 120 days to be exact and this is really stressing me out. They are reporting unverified inaccurate information and it is really hurting my credit score. How can i get them to remove the unverified information from my report? This is crazy how they can just drag me through the mud like this. They are in violation of 15 united states code 1681 ( a ) and at this point i think it's deliberate bc i have asked them to investigate over 4 times and still nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inquiry on my report dated XXXX17 with  Equifax and they responded telling me to contact the creditor. The information says no information on file and there is just an inquiry with no bank information.
Product: Credit card or prepaid card

On XX/XX/2021, I was notified that I was a victim of unemployment fraud. I took all of the recommended steps for follow-up of this issue ( contacted the Illinois Dept of Employment Security, filed a police report, placed credit alerts with each bureau ). On XX/XX/XXXX, I received an email from Netspend, a prepaid card service informing me to activate my card. I did not apply for this card and my assumption is that the application is likely connected with the fraud. 

I have reached out to Netspend several times - by phone and email - and I can not get any assistance or response despite my informing them that this is an act of fraud. The reps insist that I provide them with my card number ( which I don't have ) or social security number ( which I don't feel comfortable giving ) and was told I could not be helped without it and was even hung up on. Even when I finally did provide a social security number, they still didn't help. I continue to get regular emails from Netspend addressing either myself by name or someone else 's ( probably the criminal ), which lets me know that in addition to being non-responsive, they have taken no action to close this account despite my many requests.
Product: Student loan

got loans from sallie mae in 2007 ( or sooner ). then was transferred to navient and recently someone else. I was told not eligible for forgiveness even though I've been paying 20 years. I should never have been granted these loans since i never had a way to even pay for them. these are certainly predatory practices by sallie mae and the colleges to get students locked into a lifetime of debt!
Product: Mortgage

I have been writing to the second mortgage lien holder of the above referenced property since XXXX, XXXX, which is TD Bank. I have been requesting the accounting for the Home Equity Line of Credit since I last paid for it in XXXX. I went through a XXXX  XXXX bankruptcy and thought the Home Equity Line of Credit had been dismissed through the bankruptcy process and I received a loan modification. When I went to sell it earlier this year because I am having financial difficulties in paying this loan, TD Bank sent a payoff charging for interest since XXXX. I could not sell the property because I would have to bring money to the closing table. TD Bank has never attempted to collect this debt. I have been writing to TD Bank since XX/XX/XXXX and sent them three Qualified Written Requests. To date, they have refused to respond and provide an accounting of the home equity line of credit. I need to sell this property so that it does not damage my credit and need TD bank to cooperate with me in discounting what is owed. At this time, TD Bank has not received any payment and will not receive payment if the property is foreclosed. I am attaching copies of the three letters sent to TD Bank via certified mail along with the USPS confirmation that the letters were received. I need to sell this property to keep it from damaging my credit and would appreciate a response from TD Bank to see how we can move forward and resolve this issue. The first lender, XXXX, is already beginning foreclosure action against me. I have attached copies of my letters to TD Bank along with the US Postal Service confirmation that the letters were delivered to TD Bank. Any assistance in having TD Bank communicate with me regarding this issue would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX. has reach out to me concerning a credit card collection .This is against my consumer rights. 
15 U.S.C. 1681 section 602 A. State 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 an account without my written instructions.

15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate in connection with the collection of any debt.
Product: Student loan

Ed financial services transferred my account to a new account number out of the blue. Only one of the eight payments that were made to my old account number are reflected in the new account. {$1300.00} has been paid to my old account and only one {$160.00} payment is showing. Payments were made on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23 in the amounts of XXXX each. Only the XX/XX/23 payment is showing on my new account. I have gotten ahold of them once months ago, they said they would fix it. Nothing has been fixed. Now they wont even answer the phone. They say theyll call back and never do. I have sent emails with no response as well.
Product: Debt collection

On XX/XX/year>, I missed a call from XXXX of the Alliant Capital Management agents, XXXX XXXX, whose contact number is XXXX. 
Subsequently, XXXX XXXX contacted my father and my step-mother. During his conversation with my father at XXXX, XXXX XXXX inappropriately disclosed confidential information pertaining to the account, the debt owed, when the loan was taken out, including specific details about the situation. My father promptly relayed this sensitive information to me, and I immediately contacted XXXX XXXX to voice my concerns regarding this unlawful release of private data. 
In response, XXXX XXXX indicated that my father had stated he was managing my financial affairs, which is not the case. Furthermore, my father had recorded the conversation with XXXX XXXX on XX/XX/XXXX, capturing the unauthorized disclosure of account information. 

XXXXXXXX XXXXs website explicitly affirms its commitment to adhering to the regulations governing the collections industry, including the Fair Debt Collection Practices Act. It clearly states, " Please be aware that we will need to verify account holder identity before discussing account details. '' XXXX XXXX 's actions in revealing account details to my father without any verification of account holder identity stand in direct violation of these principles and are wholly unacceptable and unlawful.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent XXXX dollars to an individual, XXXX XXXX at XXXX, using XXXX via my Wells Fargo account. This individual promised two concert tickets in return for my money transfer. The tickets never arrived and the seller stopped communication abruptly once the funds were sent. After speaking with an initial Wells Fargo agent, I learned that XXXX account was with XXXX XXXX XXXX. Despite having an authorized XXXX account through XXXX XXXX XXXX, and despite the fact that Wells Fargos XXXX app verified that the name of the account I was sending the money to was in fact XXXX XXXX, both the banks and XXXX have shown very little intiative or interest in solving this issue. This is a clear case of fraud linked to a traceable account. Furthermore, I spent nearly 2 hours talking to multiple Wells Fargo agents who took my information down, put me on hold, and then disappeared for substantial amounts of time before the phone transferred to a new agent. The final agent filed a claim with zero interest in the details of my situation and would only take the basic information. I am very disappointed with Wells Fargos response to this issue. I was frauded on a service that they endorse and promote and make easily accessible to all customers as the most effective way to send money. The fact that they hold zero accountabiltiy for such a service and are unwilling to provide any assistance to long-standing customers in the aftermath of a brazen incident of fraud is disheartening to say the least. This circumstance showed zero concern on Wells Fargos end in regards to working to secure my trust and money and I can not in faith continue with their services unless so measure of concern and interest is shown to the situation.
Product: Checking or savings account

XX/XX/XXXX, XXXX Filed with Bank of America XXXX XXXX XXXX Denied XX/XX/XXXX Account charged {$160.00} On XX/XX/XXXX, my debit card number was compromised. As I was about to enter a store, I received an alert on my phone that a charge was denied because the zip code was incorrect. I immediately checked my account and noticed that there were other charges that I did not make that morning. I immediately called Bank of America and told them what was happening. As I was on the phone with the representative, we saw additional charges coming through. She was able to stop them at the time it happened. She reversed the other charges and opened a claim. In the next few days, a box was delivered to my home. I didn't order any of these items. I would get periodic messages from Bank of America saying that there was an update to my claims, and to view in the message center. There are no detailed messages in the message center, which is difficult to locate and access. I was checking my account today, XX/XX/XXXX, and noticed that my account was debited for {$160.00} and there was a claim attached to the debit. I clicked on the note and saw that the credit was reversed. The message center said that the claim was denied with no additional details. I call in and they said that the merchant was able to provide my name and address from my account and that the vitamins were delivered to me. They were, but I did not order them, nor have I opened the box or used them. Bank of America asked me if I contacted the merchant ( XXXX  ). I said, for what? I didn't order the vitamins and I have no dealings with this merchant. It's very obvious that someone was using my debit card and trying to make sure that they had the correct information to continue making purchases. They proceeded to ask me if someone in my house could have purchased it. No one in my home ordered the vitamins or knows anything about the company. The follow-up was for me to FAX a letter explaining what? The same information that I already gave them. I'm filing a complaint because the fraud was obvious and my account is either protected from fraud or it's not. If it's not, then they need to say this and they would need to implement additional safeguards to protect their clients
Product: Credit reporting, credit repair services, or other personal consumer reports

1 account was already in process on XX/XX/XXXX that should be the only account I have. Your company made it into 2 negative accounts and now that look bad on my credit report. I closed both these account but there still alerting me with changes on my credit report and thats affecting my credit score. Improper use of my information without my auhorization is violating the credit act and could get this company under with the law. These accounts are old and closed and improperly used with my informatiom. I asked that both account be remove from my credit report. XXXX XXXX {$520.00} OPEN XX/XX/XXXX CLOSED XX/XX/XXXX but was marked as late payment. XXXXXXXX XXXX {$520.00} OPENED XX/XX/XXXX and CLOSED XX/XX/XXXX these are the same company different names In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXXXXXXXXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose
Product: Credit reporting or other personal consumer reports

My credit reporting is not reporting the most recent balance for XXXX XXXX  credit card
Product: Debt collection

I disputed with all 3 credit bureaus via certified mail, article numbers availible upon request. Source Receivables also received a validation request after identifying this alledged debt on my credit reports. 
This debt appears on my credit report as Account # '' 1 XXXX '' with alledged amount owed {$2100.00}. 
This company has violated my rights under the FDCPA and FCRA .I also mailed via certified mail return receipt requested, article number availible upon request. I received mail from source receivables that provided partial validation.The documents received is not validation under Federal Law in accord with the FCRA section 809. Additionallythe documentation has nothing to do with me. 
I have enough problems, a recent diagnosis regarding a debilitating illness and unemployment. 
I plead with CFPB to assist me in this matter and stop this company from ruining my credit regarding this alledged debt that is not mine.I want this information removed from all 3 of my credit reports immediately. I  appreciate the time and effort in advance regarding the involvement of the CFPB.
Product: Credit card or prepaid card

Account opened on XX/XX/XXXX, XXXX Credit limit is {$15000.00} account is over the limit. 
I notified Syncb/ sams club card
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim, and I am filing this complaint because of the false information I discovered in my reports. The following things are not associated with me, and neither have I authorized them or received any money, products, or services as a result of identity theft. The Fair Credit Reporting Act, 15 USC Section 1681i, has not been followed by the TransUnion, XXXX, and XXXX Credit Bureaus, therefore it is illegal to continue publishing unverified information within the legal time frame without any supporting documentation. I'm asking the credit reporting companies to entirely delete the bogus accounts and information from my credit file in line with Fair Credit Reporting Act section XXXX. The items that are reflecting on my credit reports are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Additionally, I'm going to ask the credit bureaus to send me copies of any documents with my signature on them that serve as confirmation that the disputed things belong to me. The prompt removal of the disputed items will be greatly appreciated if the Credit Bureaus discover a not-signed agreement. 
that my credit reports are containing :
Product: Checking or savings account

On XX/XX/16 acitibank in : XXXX XXXX XXXX XXXX. XXXX, VA XXXX put a block on my account and refused to issue my withdrawal.