23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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

Throughout the years, I have struggled to pay down my student loans when the interest is preventing me to do so. I am making payments over my minimum payment and the balance continues to grow - because the interest is so overwhelming. 

I can not get anywhere near the principal loan - and with the thousands I've paid over the years, my loan balance has increased by thousands as well. I'm up to {$65000.00} in student debt, even though I have been paying for years, to no avail. I am a teacher - I took out loans to advance my degree in order to get a better teaching job - but now, I'm barely able to make ends meet with trying to pay my student loans, which keeps increasing. 

I have reached out to Fedloan Servicing - the response has been deplorable. There is no relief from the company and they are not able to help when it comes to the amount of interest being placed DAILY on the accounts. 

The interest rate is criminal - and the company is making money off the backs of students who are trying to get an education to better their lives. There must be something done for those who are loyal payers to their student loans - but are unable to break through the interest to actually pay down the principal. 

My disgust for this company and the federal government allowing loan servicer to take advantage of students is ever growing. The debt is crippling and being a teacher, there will be no way for me to ever pay this off as long as the company continues to be allowed to put interest on the accounts daily. Something has to be done - these companies need to be held accountable - even if it means their CEO 's have to take a break from their luxury vacations on the backs of hard-working people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have included an attachment of the letters that I have sent to the credit bureaus.
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent and was open without my permission. Someone used my social security, and ID. My purse was stolen while I was in the XXXX This is identity thief.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Account AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ Credit Bureau Name ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ Credit Bureau EXPERIAN ] has claimed that the disputed account have been " verified. '' The following fraudulent account remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX account ( XXXX ) Date Opened/ Reported XX/XX/XXXX XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information. 

I also believe that the actions of [ Credit Bureau EXPERIAN ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 

I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian concerning its failure to address inaccuracies on my credit report despite my repeated attempts. On XX/XX/XXXX, I contacted Experian regarding the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bankruptcy Reference Number : XXXX. I also disputed incorrect personal information on my credit report. While Experian responded on XX/XX/XXXX, stating that the XXXX XXXX and XXXX XXXX  accounts were " updated, '' the discrepancies persist upon reviewing my credit report. 

Upon contacting XXXX XXXX directly, they provided additional details about the account, confirming that they are supplying Experian with the correct account information. However, my credit report still shows discrepancies. For instance, the date of the last payment for this account, according to XXXX XXXX, is XX/XX/XXXX, but my Experian report does not display any data in the date of the last payment field or the two-year payment history. This is neither accurate nor complete information. Attached, please find a screenshot of my credit report and XXXX XXXX 's response dated XX/XX/XXXX. 

Similarly, I am encountering the same reporting issue with the XXXX XXXX account on my credit report. Despite XXXX XXXX confirming all payments made for the account in their response dated XX/XX/XXXX, my Experian report lacks a date of the last payment and any data in the two-year payment history. Given that this account was opened on XX/XX/XXXX, the absence of payment history data is inaccurate and incomplete. Attached is a screenshot of my credit report and XXXX XXXX 's response. 

Concerning the chapter XXXX bankruptcy with reference number XXXX, Experian 's investigation results on XX/XX/XXXX, stated that " The company that reported the information has certified to Experian that the information is accurate. '' However, my inquiry with XXXX, Experian 's supposed source for public records, resulted in obtaining a Consumer Report dated XX/XX/XXXX, which did not include any public records. This certification by Experian is misleading and inaccurate. 

Enclosed, please find copies of my dispute letter, Experian 's investigation results, responses from XXXX XXXX  and XXXX XXXX a XXXX XXXX Report Table of Contents, and screenshots of my credit report.
Product: Debt collection

Midland credit management had gotten an account to a credit card that was closed, when MCM contacted me they told me if i didnt set up a payment agreement with them they would take me to court, take my home or my wifes car if i lost in court to pay the debt, i set up a payment agreement for {$50.00} a month until paid in full was informed that if I canceled the agreement they would claim the full amount from my bank account and if they could not get the full amount from my bank account they would take me to court, i filed a complaint with CFPB due to them reporting missed payments but not payments made, their responce to the complaint was to stop the pay agreement, they refused to answer any calls i made to them for over a month, during the time of 30 days they had reported missed payments to XXXX and reported collection to XXXX XXXX XXXX has already removed this account from my report because MCM lied on the report, reporting missed payments the whole time, i sent screenshots of my bank account and letters MCM sent me showing payments made ( i still have the proof ) now the MCM has stopped the pay agreement as their responce for me filing a complaint with CFPB this is retaliation as they are damaging my report even worse then before! All i wanted was for them to report payments made as even though they was reporting the balance it was not explaining how payments was being made, i have been denied all forms of credit because of what they have done, they even lied to me on the phone saying they can not remove it from my credit report as they " didnt put it there '' so i know for a fact everything they are saying is a lie, so for this Retaliation, falure to accept payment, falsly reporting to credit bureaus and deception practices, i want them to remove this account from my credit report.
Product: Bank account or service

JP Morgan Chase Bank decided to end the relationship with me and will not give me any reason as to why. They will not tell me anything at all. They are going to close my account in 10 days. They have frozen my account and will not release my funds.
Product: Checking or savings account

On XXXX, I came into an agreement to have my backyard done by XXXX XXXX XXXX. XXXX XXXX, the owner, advised that he could offer me better price than those out there for the same service. He advised the deposit was {$4700.00}, but I told him my husband and I will pay in portions since we were paying by XXXX for tracking purposes. XXXX - {$1000.00} XXXX - {$2000.00} XXXX - {$1700.00} My husband and I have reached out many times via calling/texts. He even started our backyard but did not finish and definitely has not communicated with us on the balance of the work. We have endless texts to him where he made promised, but nothing. We asked for a refund on XXXX, he advised he will give it to us on XXXX. Never heard from him. My husband and I kept calling him to find out when we are getting our refund. He said he would give it to us on XXXX. He has not answered any calls/texts. 

Bank of America won't return funds because was done through XXXX  however I feel like that's not fair. XXXX should have the same securities as a credit card.
Product: Mortgage

In XX/XX/2013, I was illegally foreclosed on by Wells Fargo Home Mortgage. I had an FHA mortgage for loan XXXX and I had a letter stating that I was not responsible to pay any past due fees or interest related to the mortgage, however XXXX XXXX was listed as the substitute trustee deed and filed with the county. The procedures for a foreclosure were not followed. There was no Letter of Acceleration filed after 120 days late and then I had an FHA loan and I am very well aware of all the options I had to cure the supposed past due. After my home was foreclosed upon I was issued a check from an account that they found within Wells Fargos system that was for the first late they said I had. This is during the time that all the fake accounts were being open by Wells Fargo employees. XXXX XXXX is a " medical doctor '', an orthopedist, not a Wells Fargo employee that has been involved in numerous fraudulent criminal invasions on individuals who have no idea that his office was used as a means to gather information about indivduals. He has continued to conduct himself in an unlawful way using the money to pay for another mortgage that I clearly am the owner of. I would like Wells Fargo to cure this default. The mortgage was in my name and my deceased husbands. I am now the sole owner of a house that should have never been foreclosed on. He is well known to sell drugs out of his home.
Product: Credit card

XXXX XXXX - Multiple unauthorized/fraudulent charges were placed on my Citi Best Buy Visa card ( ending in XXXX ). The largest was for {$500.00} at XXXX XXXX # XXXX, reference number XXXX. 
XXXX XXXX - I received a text message from Citi inquiring about the {$500.00} charge from XXXX XXXX. I immediately called customer service and was informed of this as well as XXXX other unauthorized charges ; I indicated that these were unauthorized/fraudulent charges. I was assured at this time that I would not be held responsible for the charges and that my account would be closed and XXXX with a new account number opened. I indicated that I just wanted them to close my account permanently. 
XXXX XXXX - I logged into my account online and saw that not only had a new account ( ending in XXXX ) been opened in my name, but a {$500.00} balance had been placed onto it as a transfer from the original account ( ending in XXXX ). I called customer service immediately to inquire and was informed that this amount would be under investigation and a resolution could take 60-90 days ; additionally, the fraud department was closed and no further information could be provided. 
XXXX XXXX - I called customer service and was transferred to the fraud department. I explained the situation once again, reiterated that I wanted the account closed, and further reiterated that I wanted this balance removed from my account. The representative indicated that she 'd transfer the balance back to the old account, where it would stay while the amount was under dispute. The resolution could take 60-90 days on their end and possibly longer on the merchant 's end. I said I found this unacceptable but asked if my account was at risk of being placed into collections. I was told " I do n't think so. '' This is completely unacceptable. 
XXXX XXXX - I again spoke with Citi customer service, the agent of which spoke with the fraud department. I was told that the process was n't properly explained and that the {$500.00} balance was in the process of being removed from my card. 
XXXX XXXX - I logged into my account online and saw that the {$500.00} balance had been transferred from the new card ( ending in XXXX ) to the old card ( ending in XXXX ). The end result being that I still have a {$500.00} unauthorized/fraudulent charge sitting on an account associated with my name. This is even more frustrating because XXXX other unauthorized charges which apparently occurred at the same time have already been removed from my account. Even worse, the old account now has a payment due of {$25.00}. All throughout the process I was assured I would n't have to pay on the amount in dispute, yet here they are trying to bill me for it.
Product: Credit reporting or other personal consumer reports

Improper useof consent without permission state in the Credit law
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted Disputes and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX  XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX-amount stated owed- {$670.00} XXXX XXXX . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX  Dispute report # XXXX shows the XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} This collector agency has been deleted from XXXX conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. 

XXXX XXXX- Amount stated owed {$1200.00} XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a XXXX XXXX  whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX - {$7000.00} a XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX GA,XXXX- {$7400.00} Both companies reporting same debt and conflicting amounts owed, also XXXX  reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, MS XXXX {$580.00} Both companies XXXX   XXXX XXXX & XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent. 


All items have been disputed and request for validation has been asked by credit bureaus and myself due to non response and inaccurate information being reported its a violation of FRCA-1681s-2.
Product: Mortgage

XXXX Bank transferred the servicing of my mortgage loan to LoanCare, XXXX. I feel I was not given adequate notification of this change. I have not received a notice from LoanCare, XXXX. After realizing today ( XXXX/XXXX/15 ) that my automatic payment to XXXX was not processed from my checking account as usual, I immediately went through recent mail to find a letter XXXX, dated XXXX/XXXX/2015 ( received after this date ). The envelope appeared very typical XXXX. Like a statement, or marketing offer. There was no indication that my action was needed, or that there was any urgency to the notice inside. Therefore, the letter went into my pile of non-urgent mail. Despite the nonchalant envelope, there was in fact EXTREMELY important information inside about the transfer of my loan! I then went to the website listed for LoanCare, XXXX to find that I did in fact have a payment due on XXXX/XXXX/15, that I was 14 days late and had already incurred a fee for late payment! Is there anything I can do to recover my late fee? Also, I feel I should receive some basic information about my account balance at transfer, payments, etc. What action should I take? Thank you in advance for any assistance.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a email stating that I had a balance with Venmo that has become available after waiting the time frame and that it was available for withdrawal when I try to add my bank account it don't let me when I contact Venmo they.give me a run around and when I email the specialist they don't respond for days later. They said that the balance is available for withdrawal and I can't add a bank to withdrawal it.
Product: Credit card or prepaid card

In accordance with the cardmember agreement for my brand new Blue Cash preferred card account, I mailed an arbitration rejection notice to American Express. The cardmember agreement recommends using an AmEx-provided sample opt out notice form available at https : //americanexpress.com/reject, which I did. 

The AmEx provided rejection notice says to mail the form to a different address than is listed in the cardmember agreement. The address on the provided form is only different by one digit in the zip code. I discovered this the hard way because I followed the instructions on the AmEx-provided sample rejection notice, and my rejection notice mail was returned to me by USPS. 

I send rejection notices via USPS Certified Mail with electronic return receipt, as most companies that accept these types of notices do not provide written confirmation of receipt. As I mailed my notice to the address on the AmEx-provided form, I spent {$5.00} in postage for this attempt. 

AmEx must do the following : 1 ) Reimburse me my {$5.00} in postage which was wasted at their provided instructions 2 ) Reimburse me for the time I now have to spend at the post office buying postage for a second attempt 3 ) Correct the address listed on their provided form at https : //americanexpress.com/reject 4 ) Notify all existing AmEx customers of the mistake and provide all customers with a new opportunity to opt out of arbitration. Existing customers that attempted to opt out via first class mail using the incorrect address on the AmEx-provided form may not have been able to opt out properly using a second attempt. AmEx needs to provide their customers with the ability to retain their legal rights which may have been unfairly limited due to AmEx 's error.