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

In accordance with the Fair Reporting act 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2024 XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I have reached out to TransUnion to remove All Unathorized inquiries. 

They have failed to remove any of them. 

I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit ran today XX/XX/20 because I was trying to buy a new car but unfortunately I was not approved for the loan because there are some accounts in negative standing appearing on my credit. I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I am not sure who is responsible for opening those accounts in my name but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I do not have any type of written or verbal contract with any of these companies and I never allowed them to run or access my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted re this inaccurate account listed on my report XXXX XXXX XXXX. I don't know why this information is continuing to be added to my report after deletions.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$8800.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} MT XXXX XXXX {$0.00} XXXX XXXX {$100.00} XXXX XXXX {$630.00} XXXX XXXX {$900.00} XXXX XXXX {$150.00} XXXX XXXX {$850.00} XXXX XXXX {$910.00} XXXX {$310.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX  {$25.00}
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. 

1, XXXX XXXX XXXX XXXX 2, XXXX XXXX XXXX XXXX 3, XXXX XXXX XXXX XXXX 4, XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Checking or savings account

I deposited 2 checks. Not only was a hold placed on both checks, but they also subtracted it from my balance. Now I'm almost {$2000.00} in the hole. My rent is due and I've got kids to feed. That is all my money. We could be homeless by the time they give me my money.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX - BALANCE {$480.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$160.00} Account Name : XXXX XXXX XXXX XXXX # XXXX - BALANCE {$2500.00} Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$390.00} Account Name : XXXX XXXX XXXX XXXX # XXXX - BALANCE {$1800.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  BALANCE {$500.00} Account Name : XXXX XXXX XXXX  # XXXX - BALANCE {$500.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There has been a charge off on my account including the balance. This debt has been paid off and it should not be on my credit report. ( 15 us c 1681 ). I have not received a 1099c form being that the debt has already been was paid and sold.
Product: Credit reporting or other personal consumer reports

Called Wells Fargo regarding my mortgage payment. Due to covid hardship asked to skip one payment which would be deferred to end of loan which they offered in the past. Wells Fargo stated no longer offer that option but referred me to XXXX  XXXX XXXX  XXXX for XXXX  XXXX  XXXX  for help. Once enrolled and approved Wells Fargo was told the payments would be received for 6 months bu the Government agency providing this program. No negative credit reporting was stated by rep at Wells Fargo due to enrollment in program and was notified first payment would take up to XXXX weeks to receive thru the referred program. Wells Fargo reported me 3 months late causing me harm, not being able to get any other loan due to this late reporting. When enrolled in a government hardship program due to covid, which is suppose to help individuals impacted by this illness, the lending institution should be required not to report the person late since they will be receiving the funds and the consumer made every effort during communication to pay their mortgage. Wells Fargo has a history of bad business practices and fraud and has been fined millions of dollars and still they are harming their customers, especially when enrolled in government programs to help the consumer. There should be government regulations that should prevent this type of harmful actions when participating in programs to help consumers due to XXXX. Wells Fargo also did not report positive payments received from the program to the credit reports to show payments were made up to date. I had to call and open a complaint with the credit company to update the information. Wells Fargo knowingly hurt my credit so I could not change lenders and get other loans.
Product: Student loan

Navient contacted me in XX/XX/XXXX and told me myou loans would probably be forgiven if I filled out the paperwork they were going to send me. I asked them 3 times on that call if I should at least pay my past due so that my tax refund would n't get taken. They said do n't worry about anything, your loan will be on hold until XX/XX/XXXX this way. Just fill out the papers. So we did, we filled the papers out and sent them back in. We sent them in XX/XX/XXXX. They said we had to send them before XX/XX/XXXX. We did everything ahead of time. We filed taxes and they took our entire refund due to me being delinquent. I have a paper right now that says my loan is still on hold but I do n't have my tax return! I 'm XXXX, my wife had to file injured spouse, the whole refund was hers anyway. My XXXX court date is XXXX XXXX. I have a totally legitimate complaint against Navient. They consistently lie. I never asked for forgiveness. I bet we probably qualified for one of those Income driven Repayment plans too! My {$4000.00} loan turned into {$8500.00} somehow! They are crooked, liars and they 're stuck up on the phone usually. Like I 'm not good enough! Now the loan is totally paid off but we ca n't pay any bills at all right now because they took every penny! We were counting on that refund. My wife is in school because she has to make up for my missing Income. We are broke because of Navient! They 're evil!
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly investigate this unverifiable account : XXXX XXXX XXXX XXXX Balance : $ XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Checking or savings account

My father had money stolen from his account through fraud. The person who stole it is in jail because of this. 5/3 bank denied my claim saying the transactions were valid.
Product: Debt collection

In 2014 I pulled my first annual credit report and noticed Midland Funding listed on my report. I did n't recognize where the charges came from so I contacted XXXX by letter and asked for verification of the debt. Midland responded XXXX a bill from XXXX with an address listed in XXXX that I have never lived at - I have lived in XXXX for 12 years.The debt is inaccurate and non-collectible as the debt is a result from illegal cramming charges which XXXX lost a lawsuit for in XXXX of 2014. XXXX has verified that I was indeed a victim of false charges and I have attached proof ( XXXX attached ) of cramming from XXXX 's verification site.
Product: Debt collection

I own several properties in XXXX ohio. I have been in constant communication with XXXX XXXX OHIO. All bills are paid and current. I was never made aware of a debt sent to collection. This may also be a tenants unpaid utility bill and when the moved out or was evicted the management company may have put the utility bill in my name and may have not been aware. I can prove there this gas company has been getting utlitlites that i owed paid via bank statements. The collection agency has also never contacted to collect the debt. I only became aware of this collection account through credit monitoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Product: Student loan

I submitted an online ( website based ) MyFedLoan e-mail request on XX/XX/2020 asking that all documents related to my loans be sent to me both electronically and by mail ( if there was a fee required I noted I'd pay it if I was directed how to do so ). I requested all documents, but specifically requested : 1. All previous letters sent to me including re-certification letters stating my repayment amounts for the year on income based 2. List of each confirmed qualifying payment ( including 0 dollar payments ) to public service loan forgiveness I have only received an automated response and it has been nearly 3 months. The automated response is attached to the complaint. I have not received any mail with the documents. I have not received an e-mail with the documents. I also have not received any e-mail directing me to their website for any messages related to this request or to the documents requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  Capital One CBELA furnished information to my credit report. The company has violated more than 4 laws under the United States fair credit reporting act. Fifteen United States code 1681-B has been violated by the company furnishing information to my credit report for non permissible purposes. The company has also committed identity theft against me under United States codes 1681-C and 1681-C/2. Capital one CBELA has also violated my rights by breaking the following laws under Fifteen United States codes 1681-E, 1681-I, and 1681-S/2. Please remove this company 's name and any information they have furnished to my credit report from my credit report.
Product: Credit reporting or other personal consumer reports

Do you job you are fully incompetent to call each student loan holder that you stupid XXXX have the student loans holder phone number the information was sent to XXXX credit bureau by the department of education that the loan was from all students loans is closed this company failed to complete the first dispute filed this year in XXXX XXXX and XXXX on all student loans this is fraudulent activity by XXXX contract the department of student loans today and thats facts call each loan holder and I bet they crack your face completely open XXXX is trash and the facts of life is I have no reason to lie to you are nobody else listen up XXXX you are trash once you contact the student loans department remove this bull. Asap thats the facts of life you failed to do you job consumer and a judge should not have to make you follow the law you are stupid who every failed to verify these students loan need to be fired today get up off your XXXX and call each student loan hold you are stupid clearly stupid you need to be tested for drugs because this dont make any sense call the loans holder right now or resign from your position in XXXX today do your job
Product: Debt collection

On XXXX XX/XX/2021, I pulled my credit report from XXXX  after noticing my credit score had decreased significantly and noticed that the Credit Control Corporation had filed negative information about an outstanding debt on my credit report. Prior to pulling my credit report, no attempts were made by the Credit Control Corporation to contact me to notify me of the outstanding debt or to collect against the outstanding debt. When I contacted the Credit Control Corporation about the debt, they had an incorrect address on file that I've never lived at and was in fact the address of the original biller. After speaking with the Credit Control Corporation on XXXX XX/XX/2021 to ask for details of the outstanding debt ( I didn't recognize the original biller ), I contacted the original biller who is going to pull the file back from Credit Control Corporation as the original biller never filed the information against my insurance even though they had my insurance information on file.
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 XXXXXXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATION/XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX UNAUTHORIZED INQUIRIES : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Fraudulent transactions of {$6900.00} on XXXX XXXX XXXX on credit card
Product: Debt collection

Company by the name XXXX XXXX XXXX. Has purchased a account from XXXX XXXX  account # XXXX which is a fraudulent account that was merged with someone elses identity. I spoke with a SRA employee on XX/XX/2019 explaining fraud was involved in this account and XXXX has the FTC Fraud report and that it is illegal for them to even attempt to collect from me. SRA still pursued me Im seeking assistance from the CFPB, and FTC to help me pursue XXXX XXXX and SRA for non compliance FCRA XXXX which penalties of {$3800.00} per violation. 

Documentation attached Proof of identity, FTC fraud report, documentation of account mixed with unknown account and credit report with information on my credit report from unknown account. Illinois Attorney General report. XXXX XXXX acknowledgment of complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charge-off account on my credit report that I believe contains multiple inaccuracies. The account in question is associated with XXXX XXXX XXXX, and here are the details please delete this account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports one 30 day late payment to XXXX  Credit Bureau in XX/XX/2020. My payment was not late. My Lease expired XX/XX/2020 and was renewed for 6 months due to COVID. Lease extension was renewed for original lease amount of {$370.00}. Lease extension indicates additional amounts for taxes and fees may be due. I never received monthly statements under the extension until XX/XX/2020 but continued to pay the {$370.00} per month per the extension. I received calls in XX/XX/2020 that I owed money without explanation or any billing statements. Upon investigating, the amount due was for four months sales tax equalling {$99.00} which I promptly paid. The 30 day late payment reported to XXXX  indicates/implies I was late for my $ XXXX  monthly payment which is incorrect. I provided this information and explanation to KIA but they insist the report is accurate without explanation. I contacted them but to no avail. I filed a dispute through XXXX  and got the same result two times. XXXX  advised that KIA gave no explanation except that the report is accurate. KIA fails to acknowledge the issues and circumstances of the extension and no billing statements with the updated amount due. I saved every billing statement from the original lease.
Product: Credit reporting or other personal consumer reports

when we went to the bank they claimed there was XXXX credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I'm including text from a letter I sent to Bank of America about this problem : The charge of {$7.00} from XXXX XXXX is from a fraudulent merchant posing as a legitimate business. I have canceled multiple Bank of America VISA cards because this bogus charge keeps appearing on my statements. The issue has repeated itself for several months where I notice the charge, report it as fraud, my card is canceled, I receive a new card, and the charge reappears. 

I want to point out several arguments that support my conclusion that this is a fraudulent merchant perpetuating a scam. 
1. On the enclosed copy of the transaction from my account, I have highlighted the merchant information I believe is bogus. 
a. The string of text that appears at the top of the transaction is not a valid business entity or world wide web address. 
XXXX XXXX XXXX XXXX XXXX  There is a legitimate business called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX b. The string of text that appears on the transaction after the heading Merchant Information is fictitious. 
iXXXX XXXX XXXX XXXX. The text that appears under the heading Merchant name is fictitious. 
XXXX XXXX XXXX XXXX The address that appears under the heading Merchant info is a physical location in the state of Texas XXXX but a search on XXXX XXXX reveals what appears to be a vacant office building. I have enclosed a print out of what XXXX showed in my search of that address. 
2. I have enclosed a copy of an email that appears to be a phishing attempt. The sender does have my email address and the last four digits of the latest credit card I received from Bank of America. This is after I canceled my prior credit card where I reported the exact same issue. But there are several problematic concerns. 
a. The name that appears at the top of the page is the subject from the printed email. It says that my XXXX, XXXX subscription will renew soon. 
i. I do not have any subscriptions from the legitimate organization named XXXX. 
ii. The text is yet another configuration of a fictitious imitation of the legitimate organization. 
b. The string of text that appears in the From : heading on the email is bogus. 
i. It shows : XXXX, XXXX ( XXXX ) c. In the body of the email there is additional phony information. 
i. The string of text suggesting how to reach the support site is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, rings to a destination where a person answers and their language mimics what you would expect to hear from a legitimate support center, but they offered no help and only asked me for additional personal information before I became suspicious and ended the call.
Product: Credit card or prepaid card

I called Capital One on XX/XX/20 to have my payment and interest waived due to being out of work as a result of the COVID-19,  which has been ongoing since XX/XX/20. I spoke with a CSR who waived payment and interest forXX/XX/2020 and advised that my payment was not due until XX/XX/2020. When I proceed to ask about interest ( XXXX and XX/XX/2020 ) on my account that I requested to be waived due to being out of work as a result of the COVID-19, she advised that she had to transfer me to a supervisor. I was transferred and spoke with XXXX-supervisor ( ID # : XXXX ) onXX/XX/20at approximately XXXX XXXX  CST, who advised interest could not be waived for XX/XX/2020 or XX/XX/2020, but she stated that customers who had not paid their XX/XX/2020 payment had their interest and payments waived.  Inadvertently, since I had already made my XX/XX/2020 payment ; I was penalized and was not extended the same courtesy as other customers. All I asked was that my XXXX and XX/XX/XXXX interest be waived since ( as the courtesy had been extended to other customers ) I had already made my XXXX   payment. My interest for XX/XX/2020 is {$64.00} and interest for XX/XX/2020 is {$57.00}. I attempted to resolve the issue by asking the supervisor to take a complaint and have someone in Upper Management reach out to me with a resolution. She advised that she could not make make any promises that anyone would call be back with a resolution.