23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the unauthorized access and handling of my credit information by the entities listed below. In accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, consumers are entitled to privacy and confidentiality in the handling of their personal credit information. Consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer.

As the lawful owner of my credit information, I assert that any entity seeking access must do so with explicit authorization and solely for permissible purposes. The following entities have violated my federally protected consumer rights by improperly accessing my credit reports : XXXX OF XXXX ; XXXX ; XXXX ; XXXX XXXX ; SYNCB/XXXX  ; XXXX XXXX Under 15 U.S.C. 1681b, no consumer reporting agency may furnish a consumer report without my explicit written consent. Furthermore, 15 U.S.C. 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure that credit reports are accessed only for legitimate and permissible purposes. The lack of compliance by these entities constitutes a breach of federal law. 

Additionally, any negative items reported on my credit file by these entities must be immediately deleted from XXXX. The handling of my personal information by these companies may also constitute a violation of the Privacy Act, which requires that personal data be accessed and used only for legitimate and authorized purposes. 

The resulting inquiries and unauthorized access have caused significant harm to my family and me, including emotional distress and damage to my financial reputation. I respectfully request that this matter be investigated promptly and that all unauthorized inquiries and associated negative items be removed from my credit reports. 

Thank you for your attention to this matter. I appreciate your efforts in ensuring that my rights under federal law are upheld. Please feel free to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax illegally placed a fraud victim alert on my account without my permission or knowledge. They have refused to take this off even though I have jumped through hoop after hoop and answered ALL of their questions to verify my identity time and time again. My answers were read word for word from my EQUIFAX account ( I logged in prior to contacting them XXXX. They still claimed I did not provide them with the correct information. There is false. I did. I need this removed so that I can get utilities set up in my new home. I am frustrated and have also filed a complaint with. The XXXX. Waiting for a response from them as well. Equifax representatives have continued to lie, hang up the phone ( on multiple occasions ) and have flat out refused to let me speak to a supervisor time and time again. They need to be held accountable for their actions. What theyre doing to people is not ok. Please stop this. Its not right.
Product: Credit reporting or other personal consumer reports

This is the fourth time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my Equifax credit report are XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX. 
The unauthorized and fraudulent inquiries appearing on my Equifax credit report are : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. 

I sent a request to Equifax to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Equifax did not take any action regarding the incorrect and fraudulent information on my credit report. Equifax within minutes in most cases sent me an automated email saying your investigation is complete. Meanwhile, the two other credit bureaus removed the fraudulent info but Equifax sent a robotic automated response refusing to do anything. This is completely against the section 605B of the Fair Credit Reporting Act and Equifax should be held accountable. 

Their actions are hurting me and my family massively. 

Claims/Disputes # with Equifax are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please make Equifax comply with the Fair Credit Reporting Act and remove all incorrect/fraudulent information as the result of Identity theft from my credit file. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Ive been working with a company called XXXX XXXX help, which a debt settlement company. Ive been working with them to consolidate my payday loan debt. They contacted Bridge Le dong Solutions as this is one of my lenders. They let them know that I was working with them and that any communication needed to go through them. The problem is, that they continue to call me, send me letters and have been contact my family. I contacted XXXX XXXX about this and they stated they have reached out to Bridge Lending Solutions and they agreed to settle my debt. They recommended for me to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not removed scores of invalid, unauthorized inquiries. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Experian databreaches, class action & settlement lawsuit, and is available for free, on pastebin websites, and on the blackmarket or dark web internets for a fee.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Student loan

I have had a problem with customer service at XXXX Fed Loan XXXX every single year since I moved my federal loans to them in XXXX. This in turn has cost me thousands in interest. Every time they make a mistake, " lose '' or arbitrarily double or triple my payments, I spend an hour on the phone with customer service and then they place my account in a forbearance for a few months in order to get their internal errors fixed. Additionally, I should be XXXX years into PSLF, but due to their errors many of my payments do n't count. 

My most recent issue is as follows. I applied to switch from the XXXX plan to the PAYE or REPAYE in XXXX. In XXXX I received a message from XXXXFedloan that they received my application. And I also received notification that my payment went from {$710.00} to {$2400.00} for XXXX. 

I called customer service on XXXX/XXXX/XXXX and spoke with XXXX. She stated they need a 1x payment in order to switch to REPAYE, and I informed her I could n't pay the full amount. She told me not to worry about it, and that she would put a " reduced payment forbearance '' on my account allowing me to pay a reduced payment of {$800.00}. She stated this should be taken care of before my account was due on XXXX XXXX. 

However, she only placed the " forbearance '' on 2 of the 6 loans I have ( and the smallest 2 at that ). My account is now delinquent for {$2400.00}, and I am missing another month of PSLF eligibility and will likely miss XXXX as well since they have to fix this error, and than accept a 1x/payment before switching my account. 

This company is terrible, and it is unfortunate that I have no other options since I am seeking PSLF working at a non-profit children 's hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains inaccurate accounts and errors.
Product: Mortgage

XXXX continued. 
XXXX XXXX XXXX is still supposed to return a call with an update from WF. She is not answering calls. XXXX Not exactly a customer concern bank. Sad and truue Spoke with XXXX XXXX. Awaiting XXXX XXXX ... .. after XXXX XXXX from the WF Exec office, and as per my prior conversation XXXX XXXX and WF continue their trickery. I never agreed to the mediation resolution for the HELOC loan. There is no documentation and I never agreed. The sole purpose of the mediation was to discuss the HELOC loan and my request for XXXX, XXXX XXXX The trickery is that WF agreed to discuss a CHECKING ACCOUNT only and agreed to discuss the HELOC loan at a later date, after the mediation WF continues false assumptions to what was discussed in the mediation and is tricking CFPB and other customers in more fraudulent behavior. XXXX XXXX and XXXX XXXX do not tell the truth and are misleading CFPB. Please reach out to alternative POCs at WF. Per WFs request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing. WF never looked into the fraudulent activities of XXXX XXXX XXXX. The Builder XXXX  XXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... I provided XXXX XXXX 's phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank. WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement. Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. The WF game continues. The gate keepers, XXXX XXXX and XXXX XXXX are following the WF line and should be in a different position or business. Please provide a more truth telling POC WF as in the past is playing the clock. Please hold them to account so we may truthfully mediate.
Product: Debt collection

On XXXX XXXX XXXX XXXX XXXX, XXXX sold my sensitive non-public information to Portfolio Recovery Associates , LLC without my consent or knowledge. Since that day, PRA, LLC has been falsely reporting to the major credit bureaus that I owe their company an amount of debt of {$380.00}. Which is not true. PRA, LLC secretively bought my non-public sensitive information and started a new contract with my information stating i have done business with them that the {$380.00} is a debt i owe to them directly. I have never agreed to have my personal information sold to PRA, LLC, I was never giving the option of opted out of having my non-public information sold. My consumer rights have been violated for the past XXXX years, i have reached out to PRA, LLC multiple times in the past to stop the false claims that i have done business without or to show me proof of a contractual agreement with my signature of consent. PRA, LLC has failed to provide me with the simple yet vital information and has only sent automated letters that has not addressed my concerns at all. As of XX/XX/2024 on the letters from PRA, LLC, stat that PRA, LLC is NOT attempting to collect a debt however they are still reporting that a debt is due to them to the major credit bureaus which has been hindering my life and abilities for have a decent livelihood with decline credit increases, loan rejections and lowering my overall credit score to be eligible to move into a safer neighborhood.. I say all of this to say, i am requesting Portfolio Recovery Associates , llc to immediately delete my information from their database and delete the trade line of debt collection that is falsely being reported to the credit bureaus ' so i can try to recovery from the damages that Portfolio Recovery has caused since buying my non-public information without my consent, for a debt they are not even trying to collect anymore.
Product: Money transfer, virtual currency, or money service

To whom it may concern : I attempted to send funds through XXXX from my mobile platform with Citizens Bank on XX/XX/2022. The funds were intended to reach XXXX XXXX. On XX/XX/2022, I received communications from XXXX advising me that the funds were not deposited and that I could expect a return of funds within XXXX business days. I waited the allotted time, but my funds have not been returned. 

I called my bank ( Citizens ) for information only to speak with the most insensitive XXXX gentlemen who proceeded to check and return with more ridiculous nonsense. XXXX stated it would be another XXXX days before the funds can be returned. I told him I received no communications from XXXX advising of a delay. I advised him that my funds must be returned in the promised time. He stated it was out of his hands. I requested a number for XXXX. He provided XXXX, knowing this was a fool 's errand. It is unclear why he would give me a number that could not provide any information ; I can only assume it was his natural dislike for me as a XXXX woman. 

Either way, I am still not getting the answers I seek concerning funds intended for the XXXX XXXX to feed the hungry. I hope you can get to the bottom of my dilemma ; as time is running out to feed the poor and homeless, the funds were earmarked to help. 

XXXX XXXX Citizens Bank Account # XXXX XXXX 's confirmation number # XXXX Please help me. My bank representative wants to play games, and time is of the essence. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I received a phone call ( XXXX ) from Navy Federal asking be if i approved 2 {$5000.00} wire transactions to a XXXX XXXX XXXX. I yell no no no. They told me to call the fraud department of my bank but i went to the local branch and thought it was held and didn't go thru and I made a new account with the bank Never heard anything from the bank until on XX/XX/XXXX I had another illegal transfer to an XXXX XXXX for {$4900.00} which I called the bank and they stopped it and I went to the branch the next day to open another new account. This is when I found out my claim for fraud was denied. I appealed it and was told today since I added no more new information the appeal was denied a 2nd time. Im not a rich man and {$10000.00} is alot of money to give someone and I never approved of it. I think its internal that someone at navy federal stole my money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User and I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Checking or savings account

On XX/XX/21 i was notified by Navy FCU that I was past due on a XXXX loan. I have never applied for a XXXX loan. I was scammed. i went into bank and filled out a declaration of forgery/fraud form and informed them I never applied for a XXXX loan. They were able to tell me the person who filled out the loan had changed my employer and email and had electronically signed for the loan under my account #. They even went as far as giving me the IP address of where loan originated XXXX the bank at first stated they could see I did not have anything to do with taking out this loan and could see I was a victim of identity theft. Yesterday Navy FCU tells me they know who took out the loan and know where the money was transferred to once the loan was taken out in my name in my account and transferred to another account and whose account it went to but will not disclose that information and that basically, I am responsible for this. HOW? I FEEL like i have been victimized XXXX. Once by this individual and once by the bank who is supposed to protect my identity. Why would I change my email, phone # and employer information for a loan application and a loan of XXXX?? why would this not raise red flags???
Product: Debt collection

My pre existing Chase bank account was fraudulently accessed by an unknown person, leaving me with a balance {$28000.00}. When I noticed I immediately called to have the account closed and have the charges removed. The grief and trouble this has caused me so far over these erroneous charges and becoming very stressful. I demand this account to be removed from my credit report as I have followed your instructions to complete an identity theft affidavit and police report stating my claims of identity theft. My information was also involved in the XXXX data breach and may have gotten in to the hand of the wrong people.
Product: Checking or savings account

On XX/XX/XXXX I was looking at my statement & I noticed that on XX/XX/XXXX there were 31 withdrawals from my savings account, 28 in {$100.00} withdrawals and 2 in {$80.00} & 1 in {$40.00} and on XXXX there were 30 withdrawals of {$100.00} from my savings account. I called the Chase number on the back of my debit card and told them I hadn't done the withdrawals and they were unauthorized. 
I realized then that a call I received on XX/XX/XXXX must have been a fraud call. I received a call from a person saying they were with Chase bank, they stated there was a charge on my card in XXXX, GA and wanted to know if it was a legit charge, I told them no and they stated they needed to verify the card to cancel it and send me a new one and they asked for the last four numbers of the card which I gave to them. They said a new card would be mailed out and I should get it in a few days. I said Ok and hung up. 
When I talked to Chase rep on the XXXX  they said they would look into it and let me know in 4 -6 business days. I waited till XX/XX/XXXX and noticed that on XX/XX/XXXX they had reimbursed me {$3000.00} for the XX/XX/XXXX withdrawals. I called them and asked why I hadn't received the {$3000.00} for the XX/XX/XXXX withdrawals and the 1st rep couldn't answer it so she said she would escalate it and send me to a supervisor. The person I talked to stated that the 1st part had been approved and she checked and said the 2nd part had just been approved and should be in my account in the next day or two. 
On about XXXX the {$3000.00} was put into my account, then on about XX/XX/XXXX I noticed that the 1st deposit of {$3200.00} had been removed from my account. I called them immediately and they then told me that the 1st approval was only a temp and that they had rejected the claim and took back the funds. I argued that they had told me it was approved but they wouldn't change. I immediately went and withdrew all the rest of my funds, and I closed all my accounts on XX/XX/XXXX. 
I contend that 1. ) The transactions were never authorized 2. ) I was told by Chase management that the funds were approved, and I would be refunded, they did refund then they backed out of their agreement 3. ) Their fraud department should have noticed the unusual withdrawals and notified me before approving them all.

I moved my accounts to make sure they did not take the 2nd {$3000.00} but I want the {$3200.00} back.
Product: Debt collection

HHRG, a Medical debt collection agency, Has been continually harassing me daily. Its seems as if they three debt on which they are trying to collect on. HHRG isn't the original debtor and they do not have any of my signatures on the paper work. Instead of my signature it says " signature on file ''. I do not trust this company. Why would my signature be on file with them? They call me everyday from different numbers and leave a prerecorded voicemail every other day. The use of auto-dialing technology and the use of pre-recorded voicemails is illegal since it violates the TCPA and FCRA LAWS. I have verbally revoked their right to call me as I have not given them permission to call my personal cell phone. They sent a itemized bill XX/XX/XXXX and a final notice on XXXX XXXX but have not validated the debt or stopped trying to collect. HHRG 's final notice was derogatory and threating. I have 18 prerecorded voicemails saved on my phone which seems a bit extensive. I am in pursuit of recovering damages for their illegal debt collection practices. I have not been employed since XX/XX/XXXX due to a workman comp injury.
Product: Checking or savings account

my capital one bank account was closed out due to negative balance. okay i agreed to let it close and was told i would be able to open a new account about a week after closing there was a deposit made to the account once i became aware of the deposit i called the bank for information on how to retrieve my funds. i was told id be able to go to the bank and simply pull the money out since the account wasnt fully closed once i arrived at the bank i was told my account was restricted and i couldnt retrieve any funds i informed him on the previous conversation i had outside with the bank prior to coming in and he called and i was told the account was NOW being closed and id have to be mailed a check and it would be arriving within 10-14 business days. i wait the waiting period still no check i call in every single day asking for an update and i dont receive anything but an apology and being told to continue to wait ive had my car repossessed because of my lack of funds also have been unable to provide for myself or my household due to this inconvenience and i still have no received the money or any help from anyone at capital one bank.