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

I will make this short, brief and accurate as possible. Back in 2017, XXXX XXXX XXXX XXXX sent me two emails pertaining to the sale of the account to XXXX XXXX XXXX and XXXX XXXX XXXX misleading. Both emails were dated XX/XX/2017, and XX/XX/2017. Anyway, this is a document stating that the account has been sold to one of these companies and to refer any future questions to either XXXX. XXXX XXXX continue to report onto my credit report for 6 years after they had sold the account. They do not own the account anymore. Equifax allowed XXXX XXXX to report onto my credit report for 6 years which been a detriment to my credit report and my character. Also, this a violation of the FCRA. See attachment for more details.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXXXXXX BALANCED {$1700.00} XXXX  XXXX BALANCED {$0.00}
Product: Debt collection

This account was sold to collection agency against Hipaa violation. Account was sold for {$6000.00} and got a call about trying to be sued. I have not signed or received any paperwork from company. Synchrony Bank and XXXX XXXX have went against the Hipaa law. Now I get a letter about wage garnishment but yet to receive proper paperwork. This is unethical of this company to sue without summoning myself with proper documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 instruction.

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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I went to XXXX XXXX XXXX XXXX to purchase a car. I came in with a pre-approval. 

They used high pressure tactics to coerce my into signing an application for their own in-house financing. They told me that was the standard and I could not apply for financing without doing their own in-house loan application paperwork even though I told them I wanted the loan I had pre-approved and printed out in-hand. 

I told them I only wanted one inquiry on my credit record and they promised me that there would only be a single hard inquiry. 

As it turns out they were being dishonest and were indeed just coercing me into applying for their in-house product and not the XXXX XXXX loan I had pre-approved. 

They were unable to beat the rate I had pre-approved from XXXX XXXX via their in-house financing and so they took it upon themselves to shop around. This resulted in XXXX additional hard inquiries on my credit report. There are inquiries from companies we never even discussed or talked about that day such as XXXX XXXX XXXX finance ( we never discussed ) or XXXX  XXXX XXXX XXXX also never discussed ). 

I now have multiple hard inquiries on my report which I did not authorize. 

The only other company we discussed was XXXX and they told me that was because XXXX XXXX was unreliable and didn't pay the money they were due so it was better to use XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C 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 with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Collecon XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX Public Records : XXXX XXXX Bankruptcy XXXX Inquiry : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Name : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Reocords : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collectons : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Student loan

I believe Navient is liable for negligence in informing its clients about the Public Service Student Loan Forgiveness Program. I've worked in public service after paying student loan payments to Navient on two loan  consolidations. I found out about the PSLF program in 2007 when it was announced and for 10 years have planned to take advantage of the program after serving various nonprofits. 

I applied and they declined my application saying that my loan type didn't qualify. I believe they were negligent in that nowhere on my account online does it state what type of consolidation I have on my loans. It only says XXXX Consolidation and XXXX Consolidation. How would I assume that my loans wouldn't qualify for this program? Since Navient ( formerly Sallie Mae ) doesn't specify the loan type on your account how can you possibly determine your candidacy for forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX XXXX XXXX XX/XX/XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX Twp XXXX PA XXXX Subject : Cease and Desist Notification Dear Ally Financial, I am writing to formally request that you cease and desist from [ describe the specific actions or behaviors that you are requesting them to stop, e.g., contacting me regarding a debt I believe is not valid or is already resolved ]. 

I have reason to believe that your actions are [ explain why their actions are inappropriate, illegal, or harmful ]. Specifically, [ provide details of specific incidents, dates, or communications if applicable ]. 

Please be advised that if you do not cease this activity immediately, I will be forced to take further action to protect my rights, which may include contacting the appropriate regulatory authorities and seeking legal remedies. 

I would appreciate your immediate attention to this matter. Please confirm in writing that you have received this letter and that you will comply with my request to cease and desist from [ restate the action you want to be stopped ]. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened up a checking account with XXXX bank on XXXX XXXX and a joint bank account on XXXX XXXX and money was withdrawn of out my account through XXXX from XXXX I don't have a XXXX account and never open one. When I found out that my money was missing it was around XXXX XXXX, I contacted the bank and reported it to the fraud department. As of XXXX XXXX, I received a letter from Randolph Books Federal Credit Union ( RBFCU ) showing that someone opened a checking and saving account in my name and called the RBFCU credit union and I reported this as fraud, the account was overdrawn by $ XXXX. That's how I found out about this account because it is being turned over to XXXX systems this is not my account. Once I discovered this was not my account, I immediately called RBFCU. I spoke with XXXX, and she told me that someone had opened a checking and saving account and applied for a loan. I filed with XXXX XXXX Police Department, and they advised me to file a complaint with you. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a call from a XXXX number that left a voicemail. The voicemail states that I committed a crime by actively deceiving a financial institution and that a complaint was filed. That if I did not respond it would mean my automatic refusal. I called the number back and a XXXX XXXX answered. He looked up my number, and asked if the information was correct. then he stated he was an arbitration officer and that they were asked to arbitrate an agreement for payment of a debt, and that I had to make payment arrangements today. if I did not then they would file a suit against me. when I asked for written validation he stated that they were not able to do that without me making a payment. He said he could not send anything in writing until he had my credit card information and a payment was arranged. When I asked for further information he repeated the same. he said I was not allowed to contact the original creditor at all. when I requested that he allow me time to validate the debt with the original company and to validate his right to collect such debt he said that they would have my drivers license suspended and have my car registration renewal blocked if I did not get this handled today. He never once identified himself as a debt collector. never once said the call was recorded. never truthfully identified himself. he refused to validate anything in writing. now when I call the number back it goes to a busy signal.
Product: Student loan

Loan is not accurate as EdFinancial indicates every month since XX/XX/year> that my payment is past due even when I have activated autopay. I have called the company every single month since XXXX to solve the issue and have to upload bank statements for them to clear it and this last month, even though I made the " past due '' amount the payment was not reflected and the past due amount has doubled.
Product: Mortgage

My husband and I applied for a refinance, loan with Royal United in XXXX and went through the whole process. paid an appraiser sent by and picked by the company that cost us {$440.00} on a credit card that we did not have to spend. we were assured the loan would go through and simple as long as house passed appraisal. We were denied because the mortgage company said when we refinanced in XXXX with another lender they added him to the loan and not the deed. So we were denied and out the money that put us further in debt. My husband was sick and in and out of the hospital. he XXXX XXXX in XXXX. I had a supervisor call still trying to get this loan approved. I told him my husband passed away and we did not need to go forward. Royal United just sent me a new email still checking our credit and trying to push this loan through. I sent them two more emails asking them to stop trying to get me a loan I did not want. I was upset with the company for not explaining all up front and telling us we could lose the appraisal money if we were not approved. this whole situation added and caused undo stress we did not need.
Product: Bank account or service

I opened a new PNC checking account on XX/XX/2016 in response to a {$300.00} new account bonus that was advertised. 
I met the two requirements of the bonus, including ( 1 ) 10 debit card transactions which were completed on XX/XX/2016 and ( 2 ) direct deposits totaling {$5000.00} which were completed on XX/XX/2016 and XX/XX/2016. Attached is documentation showing the promotion, completed debit transactions, and account alerts I received confirming that two {$2500.00} direct deposits were made. 

PNC should have credited my account with the bonus by now, but they have not. I 'm requesting credit for {$300.00} honoring the promotion.
Product: Debt collection

I settled this account ( XXXX ) account number XXXX ; with XXXX XXXX XXXX in full for {$960.00} on XX/XX/year>. This has not been updated to the credit reporting agencies correctly and stating I owe a balance of {$590.00}. This account was settled and full in XXXX payments of {$320.00} and {$640.00} totaling {$960.00}. Please see attached documentation showing bank statements with payment to resurgent and settlement pay off letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been unable to create online acct w SSA. According to the SS Administration, this is due to weird credit reporting by credit bureas. I called XXXX  and XXXX  and arranged for free report to be mailed. 
I called Equifax and they refuse to help me without me sending my drivers license AND copy of SS card. They claim this is due to my not answering verification questions as they see fit. ..I then realize that Exquifax has my home address listed incorrectly ( I have a XX/XX/2018 copy of my report ). I call again to try and get this corrected. I reached a US supervisor, " XXXX '', who said all I need to do is OPTION B : send my license and a copy of my utility bill and I was NOT required to send copy of SS card. OPTION A was to call Consumer Care XXXX and ask via phone, a lot easier. I called this number and after asking repeatedly for a U.S. supervisor, finally got to " XXXX '' ID # XXXX. She refuses to help me. Asked me verification questions but ultimately said that I have to send in Drivers lic. AND SOCIAL SECURITY CARD. I said to her that XXXX said all I needed was electric bill to prove my address. She questioned ID # of XXXX, and said that she has no record of a " XXXX ''. I told her I didn't have a ID # for XXXX. Guess she doesn't believe me. She proceeded to list the number of times I had called in over the past 2 days. I explained that should have no bearing on this, AND that yesterday all I was asking for was a copy of my report. TODAY, I am asking for Equifax to also CORRECT my address. She refused, saying that I had to send in license AND SS card copy. I explained that this is overkill, esp when I have to go to a bank lockbox to retrieve it. She hung up on me, but made sure she ended the call herself by saying 'bye '' in order to not get into trouble. She expressed annoyance that I was unable to hear her with the background noice on her end. I called her on this, and explained that I have trouble hearing in general and esp on a cell phone, but she defended herself and denied that she was giving me a hard time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt appearing on my credit reports with multiple agencies for {$730.00} which does not have any information regarding the original creditor and I have no idea who it is, and believe it is inaccurate. I hired a service to fix this but they were not successful so now I am attempting to remedy it myself. This is one of several issues with my credit report, as multiple debts exceeding 7 years appear on my report and negatively impact my credit score, where I have not missed a payment nor had any negative financial issues in recent years however my score is very low due to all of the inaccurate and old information appearing on my report.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agency failed to address the five specific errors I pointed out. 

" I would recommend contacting the court directly if you feel that their information is incorrect. '' - XXXX XXXX, XXXX of XXXX XXXX XXXX, XXXX at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Checking or savings account

I was on a trip in XXXX XXXX. XXXX  days after I returned ( XX/XX/year> ) I noticed that there were XXXX unauthorized charges. XXXX for small amounts to an online company which were eventually approved and refunded and XXXX that were charged to different places in XXXX, XXXX for {$1900.00}, and XXXX for {$1900.00} that were placed back to back. I immediately called Wells Fargo disputed the claim and cancelled my card. I was told then by a WF associate that they saw were someone had tried to make additional withdrawals but that WF had blocked them because the transactions had looked suspicious. They eventually authorized a provisional credit while they " investigated '' I then received a letter on XXXX XXXXXX/XX/XXXX, stating the claim had been resolved and that I they were deducting back the credit and that i could call to request copies of the documents used to make their decision. I contacted WF on XXXX XXXXXX/XX/XXXX around XXXX. The claims rep-XXXX, said it had been closed because they received a note from the company that the items had been authorized and delivered. I still have no idea what the companies even sell were my card was charged. I told WF again that I didn't order anything or receive anything and when asked for copies of the documents they used to base their decision was told that they didn't have any copies of the documents. I told them they must have since they used that to make their decision, and he said they did not have anything. He suggested I contact the business and I informed him XXXX. I have no idea what the businesses even are and XXXX. That was their job. I then researched my next step in protesting the transactions which led me to y'all. Also in my research came across the Fair Credit Billings Act while looking and read it stated that the consumer liability for fraud was {$50.00}. I asked the rep about this while on the phone and he was unaware and had no answers. I'm using this compliant as a next step in my protest of my bank account being hacked.