23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting information from the bureaus and they haven't sent me anything. There are several accounts I needed information on. 
1 ) There are 2 XXXX XXXX XXXX one is for XXXX the other for XXXX. one showing opened in XX/XX/XXXX the other XX/XX/XXXX why if money was owed would they have opened another account. There is no way I owe {$2200.00} to XXXX .... This is a mistake 2 ) XXXX XXXX they indicated the payment history was bad starting XXXX of last year that is not correct 3 ) XXXX XXXX this was being paid through my employer they were taking money out of my check for this and there should have been no late payments 4 ) Experian and XXXX  are also reporting two medical collections both with a company named XXXX one in the amount of {$520.00} the other in the amount of {$900.00} neither which are mine. These companies keep taking a debt that does not belong to me and continuously sell it to someone else they are not mine. 
I started requesting an investigation to the above accounts back in XXXX and have yet to get anything from any of the three bureaus. WHAT IS GOING ON?
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX, IA XXXX **Subject : Opting Out of Credit Reporting and Violations of the Fair Credit Reporting Act and the Privacy Act of 1974** **Account : XXXX XXXX To whom it may concern, I am writing to formally opt out of any credit reporting on my consumer credit reports and to address violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Privacy Act of 1974 ( 5 USC 552a ).

As a federally protected consumer, I assert my right to privacy as outlined in the FCRA, 15 USC 1681a, and invoke my right to opt out of any reporting on my credit reports. Reporting my transaction history without my explicit consent is illegal and violates my rights under the FCRA.

According to 15 USC 1681b, I have never given written authorization to report personal information on my credit reports. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX  ) specifies that any agency can only access my report in response to a request by the head of a state or local child support enforcement agency.

In addition, 15 USC 1681c states that no consumer reporting agency may make any consumer report containing adverse items of information other than records of convictions of crimes older than seven years. Any derogatory mark on my report is a violation of this section.

According to 15 USC 1681n, civil liability for willful noncompliance allows for damages of not less than {$100.00} and not more than {$1000.00} per violation. I can prove willful violations and am entitled to compensation.

The Privacy Act of 1974 ( 5 USC 552a ), subsection ( b ), states that no agency shall disclose any record without prior written consent. I have never authorized such disclosures.

Per 12 CFR 1016.1 ( Regulation P ), I have the right to opt out of disclosures to nonaffiliated third parties. Companies must provide a privacy notice and comply with opt-out requests promptly, as per 12 CFR 1016.4 and 1016.7. I have not been given the opportunity to opt out of any reporting. Additionally, 15 USC 6802 requires opt-out notices for any information added to my consumer reports. 
Given these violations, I request the removal and deletion of the XXXX XXXX account reporting on my credit reports. This is an opt-out notice and removal request, not a validation or verification of debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Incorrect information being reported on my credit report has been a big obstacle in achieving financial freedom. I kept getting denied when applying for new credit because of these errors, it is extremely frustrating, it's negatively impacting my life.
Product: Debt collection

I am being constantly harassed a third party collection law firm claiming there is an outstanding balance for a XXXX final hearing that never even occurred, after my having already paid thousands of dollars in 2017. The collector claims to be an attorney and repeatedly calls in a nasty, harassing and threatening matter, having already been told to cease.
Product: Credit card or prepaid card

I have two credit card accounts with Capital One. On XX/XX/XXXX at XXXX PT I contacted Capital One to advise that I might make my payments a few days late for my XX/XX/XXXX due on both accounts, due to a recent auto accident that has impacted my financial situation. I also told the representative that this situation is temporary. The representative advised me that she would enroll me on a program called 3 month fee suppression, that would suppress late fees for three months. She did not give me any details on the program and just told me that a letter explaining the program would be mailed to me. After disconnecting from my call I decided that the program was not something I needed or wanted, and contacted Capital One again at XXXX PT and requested to the program to be removed from my account, since it was not something I wanted or requested and my call was only to advise Capital One that my payments will be made a few days late and I will be responsible for late fees and I was told that I could not be removed or unrolled from the program. Today I contacted Capital One again at XXXX PT and first spoke with XXXX ( supervisor ), then with XXXX ( manager ). Both refused to remove the program from my account. XXXX told me that as long my account is current I can be unrolled from the program. She confirmed that as of today XX/XX/XXXX my account is current, so I asked again, since my account is current if can she take me off this program and she still refused to remove the program from my account.
Product: Credit reporting or other personal consumer reports

The late payments listed here are inconsistent with my usual payment pattern.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX 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, credit repair services, or other personal consumer reports

I HAVE NOTIFIED XXXX THEY NEED TO REMOVE INCORRECT INFORMATION FROM MY CREDIT REPORT. THE INFORMATION HAS BEEN DISPUTED AND THEY CLAIM THEY HAVE VERIED AND VALIDATED THE DEBT WHICH IS UNTRUE. I HEREBY REQUEST THE REMOVAL OF THE FRAUDELENT ITEMS THAT XXXX AND XXXX VERIFIED AS NOT MINE TO BE REMOVED AS WELL BY XXXX AND XXXX IMMEDIATELY. AS I WILL FILE A FEDERAL LAWSUIT IN THE FEDERAL COURTS FRO MULTIPLE DAMAGES AND VIOLATIONS. 
THEY NEED TO REMOVE ALLY BANK AND XXXX XXXX XXXX XXXX IMMEDIATELY FROM MY CONSUMER REPORTS AS WELL AS XXXX XXXX AS THEY HAVE VERIFIED THE FRAUS ALONG WITH THE POLICE AGENCY WHO VERIFIED THE FRAUD. I HAVE SENT THEM THE FOLLOWING AFFIDAVITS OF TRUTH WITH NO RESPONSE IN OVER THIRTY DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX, AKA XXXX XXXX XXXX, AKA, XXXX ran an inquiry on my report without my verbal or written consent. 
I spoke with XXXX, XXXX who are finance managers stated they could not find me in their system. 
Inquiry date, XX/XX/XXXX, three consecutive times. Typed letter was given to manager XXXX on XX/XX/XXXX. He apologized, gave me a gas ticket receipt for {$40.00} stating it would be removed from my report. ( I have a copy ) My credit union, XXXX XXXX gave me a check to purchase a vehicle, I informed XXXXXXXX XXXX XXXX I don't need to sign any documents I was approved through my credit union. 
I never consented or signed anything. This has affected my credit score. 
Their address XXXX XXXX XXXX XXXX XXXX ca XXXX, ( XXXX ) XXXX
Product: Debt collection

I RECEIVED A LETTER FROM A COLLECTION AGENCY NAMED N.A.R.INC. FOR AN OUTSTANDING DEBT TO XXXX. I DID USE XXXX ON XXXX/XXXX/2012 WHICH I PAID IN FULL AT TIME OF SERVICE. I HAVE RECEIVED NO BILL OR PHONE JUST XXXX DAY I GOT A BILL SAYING I OWE XXXX DOLLARS TO N.A.R. SINCE THEN MY CREDIT SCORE HAS DROPPED FROM A XXXX TO A XXXX FOR A DEBT I DO NOT OWE. I GET NO RESPONSE FROM XXXX. THIS IS RIDICULOUS A COMPANY CAN RUIN MY CREDIT FOR A DEBT WHICH IS NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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  I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX XXXX, has actively began to file a Formal Complaint against Wells Fargo XXXX XXXX Department. Attached is all supporting documentation to support this formal complaint. 
On XXXX XX/XX/XXXX I, XXXX XXXX XXXX called my primary bank, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, NH XXXX to make a bank-to-bank wire to XXXX of your clients of your bank, Service beneficiary, XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX. 
XXXX XX/XX/XXXX XXXX contacted XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX 
XXXX XX/XX/XXXX I received a receipt of this bank wire transaction ( see attached enclosure ) XXXX XX/XX/XXXX I reached out to XXXX beneficiary, XXXX XXXX and they stated, they never received the wire. 
XXXX XX/XX/XXXX I reached out to XXXX XXXX XXXX and Wells Fargo. 
XXXX XX/XX/XXXX I requested a recall from XXXX, not an amendment, which Wells Fargo claims. 
XXXX XX/XX/XXXX I went to Wells Fargo as instructed by Service FCU XXXX XX/XX/XXXX I met with XXXX XXXX, XXXX XXXX XXXX XXXX ID XXXX XXXX XX/XX/XXXX XXXX, Wells Fargo XXXX XXXX contacted your wire department, and they located my missing funds of XXXX. They both assured me it would take approximately two ( 2 ) Business days to recall my funds and have it sent back to my checking account. At the end of this meeting, the XXXX XXXX XXXX, on the call as well, it was determined Wells Fargo would indeed return my {$860.00}. 
XXXX XX/XX/XXXX both banks played the blame game and still no return of my funds. 
XXXX : As of XXXX XX/XX/2023, no one has contacted me and Wells Fargo is holding my money. I am a non-member. I was a member of your bank throughout my XXXX military career and decided after constant hidden fees and poor service to close all Wells Fargo accounts . Not exactly sure why you are still holding on to my money after it was clearly established on XXXX XXXX that you would return the funds to XXXX XXXX XXXX to my checking account. The funds never should have been accepted due to wrong service beneficiary and wrong account number. Assuming there are systems in place to prevent these types of errors. There is clearly enough incompetence displayed all around this scenario. I will now have to contact my attorney, which will of course cost more and inform the public community via local news channels to publicize your organizations lack of customer service and care. I can only XXXX how many other elderly and other disadvantaged people this has happened to and they did not know how to go about retrieving their funds, which clearly should never have been deposited in the first place. I hope we can resolve this matter and return my funds without incident or friction. This letter serves as a formal complaint against Wells Fargo , Wire Department due to incompetency and the delay of recalling my funds. 
P.S. This is clearly an example of SARBANES-OXLEY, consumer getting frauded by the bank. 
Respectfully,
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Kingston Data and Credit began reporting an account to my credit report with an open date of 2019. At no time did I ever open an XXXX XXXX Account in 2019. Also, at no time did Kingston send me an initial dunning notice. Upon identifying the account on my credit report I made MULTIPLE attempts to contact the agency which was a nightmare in itself. For weeks I called and could not get anyone to answer the phone, I left multiple voicemails and no call back. I disputed the account with the credit bureau ; however Kingston removed the account from only 1 reporting agency. I called the agency and was able to get someone on the line. I have so many concerns after speaking with the rep and Kingston needs to immediately pull their agents off the phone and conduct compliance training. The agent told me the account was only reporting to 1 CRA because the account was a states account and not in XXXX... I quickly corrected her but she seemed so confused and uneducated on what she was even talking about that it was frightening. The agent failed to advise me the call was being reported or provide me the XXXX XXXX. There is a lack of adherence to compliance at Kingston and it needs to be addressed and corrected.
Product: Debt collection

MY PRIVACY RIGHTS HAVE BEEN VIOLATED THIS COMPANY IS IN VIOLATION OF HIPPA
Product: Debt collection

In a recent ( XXXX 2015 ) check of my credit report I discovered a derogatory listing from Portfolio Recovery Associates. This listing was been made with no notification to me and I did not receive my right to dispute. As I am unaware of any outstanding debts to Portfolio Recovery Associates, On or about XXXX XXXX, 2015 I made a written request for Debt Validation via XXXX Certified Mail # XXXX. I did not allege fraud or identity theft concerning this account. I was simply aware of any outstanding debt to this company. I have copies of this letter and proof of its delivery on XXXX/XXXX/2015 signed by XXXX XXXX. I received a response dated XXXX/XXXX/2015 stating if I wished to dispute the account to respond with a written request. 

Despite having already notified PRA of my dispute and request for debt validation I responded to the correspondence sending yet a XXXX Debt Validation request to PRA via XXXX Certified Mail # XXXX. I have copies of this letter and its proof of delivery signed for by XXXX XXXX also. In this correspondence I requested any documentation that there was a valid basis for claiming that I owe the alleged debt or a copy of a the last billing statement bearing my name sent to me by the original creditor. I also requested a basic explanation of how the alleged debt amount was calculated. 

PRA failed to cease all collection efforts until the full and complete validation was sent. On XXXX XXXX, 2015 a balance of {$3800.00} was reported which constitutes continued collection practices. Additionally at the time of my XXXX request the account still had not been marked " in dispute '' with the XXXX Credit Reporting Agencies. This was communicated to PRA in my XXXX request. 

In XXXX 2015 I made a final formal request that PRA provide me with debt validation of this alleged debt account within 15 days. I also asked that If they were unable to do so for them to delete the harmful item from my credit files. I sent this letter via XXXX mail ( Certified # XXXX ). 

PRA has failed to provide proper information regarding the debt. I am not aware of this debt and I would simply like proper information pertaining to it or to have it removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am upset that the new account opened for a construction loan by XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX caused my credit score to drop 22 points. This is a principal interest loan. This loan will be closed out once the construction process is complete. Therefore I feel it is unfair to deduct points for a temporary loan. As well my credit score has already been dropped around 20 points when I was preapproved by XXXX XXXX  for a home loan. XXXX XXXX   to my knowledge used this information to approve me for a specific amount for a construction loan. There is no way for my credit to gain 40 points in the short amount of time before it is checked again my the mortgage company I decide to use for the end loan. This will cause me to pay a higher interest rate on the mortgage loan. Any help in this matter would be greatly appreciated. I might ad that this company has been very helpful in getting me a loan and this is in no way a complaint against them/ XXXX XXXX  XXXX  or XXXX   XXXX. The purpose of this complaint is to try to get some clarification on why this new account has dropped my credit score so much.
Product: Student loan

I recently started a XXXX XXXX XXXX XXXX XXXX, so I signed up for the Public Service Loan Forgiveness ( PSLF ) program. To do this, I was required to consolidate my loans and be placed on an income driven repayment plan ( IDR ). My loan servicer was changed to MOHELA. Ever since my loan servicer was changed to MOHELA, I have had nothing but issues including being told blatantly incorrect information that contradicts information on this website ( department of education ). First, MOHELA denied my IDR application with because " you do not qualify for the repayment plan you requested '' with no further explanation. When I called to ask about this, they also provided no explanation and forced me to verbally submit a new IDR application for the SAVE plan, instead of the PAYE plan I originally requested. Second, because I had to submit this new application, I was told my account would be placed in administrative forbearance until XXXX or XXXX of XXXX to allow them to process this new application AND that no payments would be due, no new interest would accrue, and these months would count towards PSLF. Well, that wasn't the case because a week later, I was notified that I had a payment due for XX/XX/XXXX. I called again and was told that I have a payment due because I am not on an IDR and that my original application was denied. I explained that I was told that I would be put in administrative forbearance, but the individual I spoke to told me that my interest would accrue and my payment would be due and that the payment would not count towards PSLF because I was not on an IDR. See the problem here? MOHELA is completely incompetent at handling my and many others student loans. Finally, I was told that for my account, they can place a new administrative forbearance until XXXX while they review my new IDR application. Who knows if my interest will accrue or these months will count towards PSLF? Their system is very unclear with communication and what exactly will count as eligible payments, interest, and PSLF. I will be filing a complaint with the consumer financial protection bureau, and contacting my representatives and senators as well. This is an outrageous company to be dealing with and causing me undue stress as I attempt to get PSLF.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. 
XXXX and remove it. XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXXXXXX XXXX  Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX  Inquired on XX/XX/XXXX & XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX year ago that my ss number was stolen along with thousands of others! Since I have had many credit cards and accounts and a loan opened that is ruined my credit! I think I should get my credit wiped clean because of this
Product: Debt collection

XXXX XXXX XXXX and Results Unlimited, Inc. has sued me via civil judgment for debt relative to their decision to evict me after my roommate moved out unexpectedly. After much pleading and providing a plethora of supporting evidence, the company pursued legal action and I was never informed. 
I eventually found out that there was a trial and judgement placed on my credit. I did an annual credit report review and noticed this judgement on my credit for {$3.00}, XXXX. The company has now placed a garnishment of 25 % of my disposable income and has since increased this amount to {$4800.00}. 
Meanwhile I have not been properly informed of any of these actions taken against me. Results Unlimited has not provided me with any forms or documents that has outlined any of their processes and actions toward pursuing this judgement of collections against me. When I reach out to Results Unlimited they only give me verbal information and aggressively leave me without any hard copies of evidence used in a court of law against me. 
I am a law abiding citizen who has overcome many personal obstacles to obtain my current career. This company sent court documents to an address that I moved from some 2 years ago and since have since lived at XXXX addresses any of those potentially being my " last known address '' but they chose the furthest address relative to time moved and distance to send these court correspondences. 
This company continues to use bad servicing practices to prey on individuals whom are already in compromising positions. I need assistance with this matter immediately and I am thankful for the support of CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by my credit reporting company to get copies of my credit reports.

I requested 3 reports. It only showed my Experian report, but not the other 2 reporting companies.

I am unable to identify information that is on my report, ( lack of company names and identifiable information ).

I was unable to get through to XXXX XXXX XXXX.

Unable to speak to a customer service rep.

Unable to resolve.

There is no place on their website to request all three to be mailed, only print, the only one was Experian, NOT XXXX XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

I received a email stating financing for my Business was available all they needed was o PULL A SOFT credit. I verified that it was a soft pull only email confirmation stated soft pull only
Product: Debt collection

I received an email XXXX XXXX XXXX XXXX from a XXXX XXXX and XXXX XXXX indicating they were attorneys they not only represented themselves as attorneys but threatened criminal federal action and also threatened to contact my employer they violated numerous laws and I have a copy of the email.