23daVinci/CFPB_Complaints huggingface dataset:
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 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.

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 went online to apply for the XXXX payment plan. I received information back that was bringing my payment higher than my original amount before the president 's forbearance on student loans. My original payment was {$420.00} I contacted Mohela by phone to apply for the XXXX plan. I was given an amount of {$110.00} monthly under the XXXX payment plan. I received correspondence in the mail from Mohela stating my payment under the IDR plan will be {$420.00}. I contacted Mohela again by phone and stated that I applied for the XXXX payment plan and not the IDR payment plan. I gave my financial information and my payment was calculated to be {$110.00}. I received correspondence again from Mohela in the mail, stating my payment would be {$410.00} I contacted Mohela again and was told by an associate in training, that I don't qualify for the XXXX payment plan and that I have to stay on the IDR payment plan, if I want to continue with the Public Service Loan Forgiveness ( PSLF ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$690.00} Balance updated XX/XX/XXXX Date opened XX/XX/XXXX Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 

XXXX Balance {$2200.00} Balance updated XX/XX/XXXX Date opened XX/XX/XXXX Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX CBNA Balance {$2100.00} Balance updated XX/XX/XXXX Date opened XX/XX/XXXX Account charged off. {$2100.00} written off. {$2100.00} past due as of XX/XX/XXXX XXXX XXXX Balance {$2500.00} Balance updated XX/XX/XXXX Date opened XX/XX/XXXX Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXXXXXX XXXX
Product: Credit card

I did not consent to a credit check in order to obtain an account with Capital One. A hard inquiry was done on my social security number and a credit card was issued in my name. 

I did not consent to the credit check and I did not apply for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we re-financed our auto loan from Ally to our credit union. Credit union sent a cashiers check in the amount designated as 10 day pay off. I received a letter dated XX/XX/XXXX from Ally on or about XX/XX/XXXX stating that there was a balance still. I called there customer service on XX/XX/XXXX and was advised with reference # XXXX that remaining balance was being waived, to follow up in about 1 week. Received another letter dated XX/XX/XXXX on XX/XX/XXXX, and again I called Ally customer service, representative XXXX stated to dis regard this letter and confirmed that said balance was being waived, she then gave me a new reference # XXXX. Called Ally customer service in XX/XX/XXXX to follow up on previous calls, was given same reference # ( XXXX ) as the XX/XX/XXXX. Again representative stated remaining balance was waived. XX/XX/XXXX follow up call to Ally customer service was told that remaining balance was waived and given new reference # XXXX. XX/XX/XXXX follow up call to Ally Consumer Solutions dept, representative XXXX ( id # XXXX ) stated remaining balance was waived per XX/XX/XXXX reference # XXXX. In late XX/XX/XXXX Ally finally sent release of lien letter to our credit union. Somewhere between XX/XX/XXXX and XX/XX/XXXX Ally had reported to Credit bureaus that we had late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX that show as 30 day late then 60 day late then 90 day late then 120 day late. Now here in XX/XX/XXXX after we applied for new lease with Ally and was denied. I called and spoke to Ally customer service, representative XXXX stated that remaining balance was waived in XX/XX/XXXX and gave me case # XXXX. XX/XX/XXXX Ally customer service representative XXXX stated that balance was waived and letter was being sent to credit bureaus stating that late payments submitted by Ally were in Error, as well I was sent said letter but the letter isnt what XXXX stated, it still says those 4 late pays are there. XX/XX/XXXX Ally customer service representative XXXX XXXX Id # XXXX ) stated remaining balance was waived per XX/XX/XXXX reference # XXXX. She also stated that she doesnt know why it took til XX/XX/XXXX to be put in system. I have documents from both Ally and my credit union along with all the info I listed here that shows Ally is in Error by reporting our account as late to credit bureaus that is listed above ( XXXX, XXXX, XXXX, XX/XX/XXXX. My wife and I have spent many hours over the past year trying to get Ally to remove the Derogatory marks from our credit report.
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, 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 ) X1 ) 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: Mortgage

To whom it may concern, I disputed more than XXXX times on the phone regarding your request HO-6 insurance and escalated the insurance coverage certificate that I provided but your insurance team and servicing keep ping pong the issue each other and ignoring my proof insurance documents that the original mortgage company already accepted. My insurance agent told me that should cover the mortgage lender requirement based on the XXXX guide line. It covers Walls-In and I do n't have any improvements in the house so the current insurance certificate should be good enough as attached. 
I discussed XXXX ( loan servicing manager ), XXXX ( insurance supervisor ), XXXX ... but they just sent me letter saying that they will purchase the expensive insurance {$730.00} and will pass it to me which is not fair and very frustrated. 
I also have XXXX more investment houses in the same complex ( XXXX HOA ) with other lenders such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX but they never complained the HOA insurance certificate and never request HO-6 to me since this is a investment rental house. HO-6 insurance is for the primary resident homeowner not for investment homeowner according to the insurance agent. Please contact my insurance agent at XXXX any further question. 
If you have any question, please email me at XXXXXXXXXXXX or call me at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XXXX XXXX, XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Opened : XXXX. XXXX, XXXX XXXX : {$860.00}
Product: Vehicle loan or lease

TD Bank provided an auto loan which was paid off. They reported it as late and unpaid and stopped reporting despite the loan being paid in full. 

They also had telephone lines that had well over an hour wait times making it difficult to deal with. Additionally, they would transfer or hang up on me continually. 

They are a terrible organization and not reputable .they have XXXX XXXX in fines with the government this year alone and should be barred from taking advantage of people and hurting them without reprise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

15 USC 1681 section 603 A. states a consumer reporting angecy can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. The sent a letter to the XXXX credit bureaus but I never received a response from it. This accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$440000.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX  XXXX XXXX Balance : {$57000.00} XXXX XXXX Balance : {$62.00} XXXX XXXX Balance : {$62.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is in violation of FCRA, FDCPA and XXXX XXXX compliance..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/2023 Hello Transunion, XXXX, and XXXX, I disputed XXXX XXXX, XXXX XXXX on XX/XX/2023 and everything came back verified. 

How is that possible when the date opened is incorrect for both accounts, and the account status is also incorrect on both accounts they are supposed to be closed. 

Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. 


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

No response back from capital one bank and cap one bank and also capital one bank USA. I sent letters too all three companies and they couldnt provide me with the documents and information about these inquiries
Product: Student loan

Sallie mae private bank disbursement student loan for {$5000.00} on XXXX - XXXX XXXX without finish my student carrier begin to call for loan repayment. Struggling to repay my student loan, sallie mae. Interest rate continue to get higher without clear explanation for continue charge.
Product: Debt collection

Over the past few days i have been getting calls from unknown numbers and even voicemails back to back to back. Even family members were harassed by these people attempting to collect a debt. They are using unfair tactics, threatening me with court, threatening to take my wages, threatening to take funds from my bank account, even the last call threatening to " send my case upstairs for failure to pay ''. This total visa card is a closed account on my credit report apparently from almost 6 years ago. The person on the phone when i called them asking them why they are harassing my family members which i am sure is against the law, the man told me that " because the statute of limitations is about to expire we are trying to collect on an old debt '' Worst is that i XXXX the card type and apparently the credit limit is XXXX with a whopping almost 35 % APR. This apparently is issued by the XXXX XXXX XXXX. I honestly do not remember ever applying for a card with that high of an APR as that would be a financial loss to me even if trying to repair my credit. My mom did not raise a fool and i would never agree to that. I am a victim of identity theft foremost and i tried to explain that. The guy on the phone come telling me that with fees, court fees, etc i would have to pay more than XXXX which i do not have. How can a credit card with a XXXX limit equate to more than XXXX? And worst the guy was rude and unprofessional and i find it strange how he claimed " My client will waive the XXXX in attorney fees and some other fee and me pay like XXXX k '' Something seems shady. They even had someone with an XXXX accent threatening me to send the cops to my house and that is illegal. I can not be arrested for a debt. I think this company is practicing shady collection tactics and i am not happy about this. I fail to understand how they know there was a pandemic and they are trying to keep people in debt. it is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to have inaccurate items removed from my credit report as I am a victim of identity theft, and I did not make these charges. The items I need deleted due to the theft of my identity are listed on this document. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items as soon as possible.
Product: Credit reporting or other personal consumer reports

I had sent a previous notice to Equifax that there are some unauthorized fraudulent inquiries on my consumer report. I provided an identity theft report together with my identification but they insisted that It was Factual and accurate. However when I asked for the procedures they took to verify the inquiries they did not reply. It has been over 60 days since I sent the letter. See attached letter and exhibit. I created a new identity theft report as Equifax is now violating 18 U.S. Code 1028A which is Aggravated Identity theft as they chose to continue reporting this false information.
Product: Debt collection

I received a fraudulent debt collection from a cash central.com for {$430.00} which 1. I never applied for or got a loan, Ive had several scam attempts lately. I dont even have a hard inquiry for this loan. I did some investigation of this company and to my surprise its extremely common that this occurs. This company needs to be shut down!!
Product: Credit reporting or other personal consumer reports

XXXX have put UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT AND THEY NEED TO BE REMOVED.
Product: Money transfer, virtual currency, or money service

They closed my account, even though I sent them all the requirements that they ask for. 
I always use Paypal but then they still close it, I feel that they are not doing their jobs right. I still have money left for more than XXXXusd. My email linked in my PayPal is ( XXXX ).
Product: Mortgage

My family had a change in how our XXXX handled homeowners insurance. We secured our own coverage and notified XXXX XXXX XXXX XXXXXXXX of the change well before the change date. Over the last 90 days or so our Escrow has been debited to cover dwelling insurance post dated, our payments have been altered and we have received no assistance in trying to clean up the issue. Our family has submitted, on multiple occasions, all the requested documents that indicate we are, and always have had, the correct property insurance. 
I have tried to contact the servicing company multiple times and today was on hold for XXXX minutes before I hung up due to work starting. 
This servicing company has done XXXX to assist us, has sent us threatening letters and on the same day sent letters saying we are in compliance only to send a third letter saying please submit the same proof of coverage that was submitted only days before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never missed a payment on this loan, but it says that I am missing XXXX payments, which if its set up on auto payments at the time. I would like this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am so displeased with the way my information was used. I have been trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX  health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a inquire on my credit report from XXXX XXXX that I never made and that was never mine. 
Inquire name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI Date XX/XX/2021 I never was in XXXX I never made this inquiry or even opened a account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. 
This violation of the FAIR CREDIT REPORTING Act Section 1681b and a serious breach of my privacy rights.
Product: Credit card

I received a billing statement from PayPal Credit claiming that I owed them money for a recent transaction. I checked my credit report and PayPal did a hard pull on my credit information. I have no knowledge of ever signing up or opening a credit account with them.
Product: Debt collection

Receivable Solutions continues to change the acct number once the dispute was deleted. All the medical bills were paid straight to XXXX XXXX center after my accident and they failed to report to receivable solutions.Receivable Solutions keeps part of the debt collected. However the debt was paid straight to XXXX XXXX XXXX when my lawsuit was settled. It should have never been reported to begin with because my attorneys sent them lettters.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX turned on overbilled consult to a credit agency for collection without contacting me to resolve the debt.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$770.00} XXXX - XXXX - XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is report incorrect information on my credit report. The payment history for Nelnet Loan Services account is in correct. I am requesting that you deleted all Nelnet loan Services account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any accounts listed in ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX