23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a HIPAA Violation. On XXXX someone called me from I C Systems stating that they bought my account on a already closed account and stated we will call and give out your information and talked rude to me with foul language. They then called a family member on XXXX and provided all information. This account has been closed and was no longer reporting under the original company. They then said just for that they will place it back on my credit and it is showing up on my reports. This is illegal and they shared my personal information and address.
Product: Checking or savings account

XX/XX/18 On reviewing my checking account I noticed a check had been altered from {$230.00} to {$1200.00}. Reported the discrepancy to Citizen '' s bank immediately! They started a claim # XXXX. Despite numerous followups I have been unable to resolve the difference. The claim # was subsequently changed to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXXand also the inaccurate personal information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; 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 showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Student loan

My student loan servicer : NAVIENT continues report loan payments for Loan number 3 and also Loan number 4 which directly violates my loan borrowers ' right under the Cares Act as well federal and state consumer protection laws and the Fair Credit reporting Act. I have reached out to Navient at the beginning of the year XXXX or XXXX regarding a significant drop in my credit score by 30 points in attempts to resolve the dispute to no avail and then I attempted to dispute the action to the three major credit bureaus with no resolution. Lastly..I reached out to the Attorney Genersl office in writing this past XXXX and the correspondence received stated.. '' It was an civil matter. '' The way that they are reporting my payments and my account has drastically affected my score therefore causing more hardship financially during the COVID 19 pandemic ... .This is equally heartbreaking since I am a XXXX worker that has been struggling to work nonstop during the Pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

The company failed to provide additional information and will not reinvestigate
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Rental Screening Solutions will not clear my personal consumer report of an eviction that I asked the to send me proof of. When I put in a dispute I was advised that the information was verified. However that eviction was sealed by the courts in XXXX, therefore I know they were unable to get any information to verify it. At this point I they are stopping my family from having a home since they are reporting incorrect information. I have attached their dispute response as well as the court documents for the eviction being sealed last year. I was being evicted during covid. I was awarded rent relief all the way through XXXX  of XXXX. This information needs to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INQUIRIES were not authorized. Please remove it immediately.

I understand that Hipaa does allow for limited information. and I didnt give anyone permission to run my credit. Please provide a copy of my signature
Product: Credit reporting or other personal consumer reports

d accordance wth the Far Credit Reporang act. the lst of accounts below has violated my tederally protected consumer ngiits 1o privacy and confidentiality under 15 USC 1681.

172 The accounts belaw have violated my rights h5 U.S.C 1681 section 602A States I have the right to privacy.

45 U.S.C 1681 Section 604 A Section 2 : it alsa stares a ponsumar re porting agoncy can not furnish a account without my writen instructions, 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make ary consurner report containing any of the fofowing tems ol uhformation Any ofher adverse itern af information, other than recards of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not turnish any information relating to a consumor to any consumer reporting agenty it the person knows or has reasonable cause to believe that the information is inaccurate.

Delete the accounts below : Inquiry Fecha XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that one account still on my credit report was incorrect when I reviewed it. Validate the account that still reporting misleadingly to my file XXXX XXXX XXXX XXXX Balance : {$8900.00}
Product: Debt collection

I am filing a complaint against RADIUS GLOBAL SOLUTIONS LLC, because they are attempting to collect a debt that I do not owe them. Account name : RADIUS GLOBAL SOLUTIONS LLC, Account Number : # # # # # # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax conducted an investigation into items listed on my credit report which I disputed in the month of XX/XX/2019. The investigation was completed according to paper work on XX/XX/2019 ( see attached ). In the investigation results it shows items listed below : XXXXl - XXXX - Verified as belonging to me XXXX XXXX - XXXX - Verified as belonging to me XXXX XXXX  XXXX XXXX - Verified as belonging to me XXXX XXXX XXXX XXXX XXXX XXXX Verified as belonging to me XXXX XXXX  - XXXX - Verified as belonging to me I have contacted each one of these companies for verifiable data which neither has been able to supply to me and I've asked Equifax to complete a fair and thorough investigation into the matter and they have provided me with bogus results stating everything is verified.I then sent a Method of Verification letter on XX/XX/2019 to Equifax exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) to provide me with proof they completed a thorough investigation properly and not via XXXX system and requested them to provide me with the description of the procedure used to determine the accuracy and completeness of the information. Name, Address, and  telephone number of each person contacted regarding these alleged accounts. Finally, any documentation provided bearing my signature, showing I had a legally binding contractual obligation to pay them and exact amount claimed. As a result, I received a bogus response from Equifax today stating I had no claim on file. I have attached all documentation backing up my claim for your review CFPB.Please make sure the credit bureau obeys the laws of its consumers and not continue to destroy the credit of the innocent. I would like the items to be investigated properly and provided the proof I requested or for the items to be removed immediately from my credit report. If they fail to obey the law properly I will exercise my rights to sue and win for every violation committed under the FCRA. Please see attached files for details.
Product: Debt collection

THIS Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. Also your agency needs a license to collect debt in the state of ( NORTH CAROLINA ) I would like your agency to show me proof of licensing to collect a debt if this cant be shown, I want this taken of my consumer report immediately.

Also the Collection Agencies have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 20 years, I have been unable to receive a credit report from Transunion. Each that free credit reports have been available, I have been denied. when contacting the company, they say that it is an error and I need to verify information, Once the information is verified, I am always promised a credit report but I never receive one. On XX/XX/23, I tried again and received the same error message, I spoke with customer service via chat who informed me of a duplicate credit report, after some back and for I was told I could wait to receive a call from them to straighten things out, I explained that wouldn't work for me and that I needed a direct contact for for the department that handles the issue. I was given a number, I requested an email address so that I could address the head of the department directly but was told that one was unavailable. I have repeatedly been denied lines of credit, loans etc because of Transunion failing to provide me with a copy of my credit report. They have my information to verify who I am but say they can't verify who I am. I am very frustrated behind this. Tranunion is reporting false/ inaccurate information on my report but denying me the right to see and dispute the incorrect entries.
Product: Checking or savings account

XX/XX/2020 trying to link my PNC bank account to XXXX XXXX and PNC wont allow it. So I cant pay my rent!
Product: Credit reporting or other personal consumer reports

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

I have no idea who these people are and they are violating my rights! I asked them to validate this and they are in default!
Product: Credit reporting or other personal consumer reports

Based on publicly available information, it is my understanding that the CFPB has prohibited XXXX from servicing or managing any student loan portfolios due to their history of deceptive practices in payment reporting and collections. This decision highlights the systemic issues within XXXX 's operations, which have caused countless difficulties for borrowers like myself. Attached is an email from XXXX regarding the forbearance of a loan they managed for me in XXXX 2019. However, the information reported to credit bureaus does not appear to align with the forbearance timeline as I understand it. This discrepancy raises serious concerns about the accuracy and reliability of the data XXXX has provided. 

XXXX has previously stated that they would " never send an email requiring only a \ [ one-word ] reply to establish forbearance, '' yet this claim is contradicted by the evidence I have provided. The email they sent me explicitly requests a simple response, which I complied with in good faith, expecting that my loan status would be accurately reflected. Unfortunately, this has not been the case, and it appears that XXXX 's practices continue to create confusion and harm for borrowers. 

This issue has arisen repeatedly and is becoming increasingly frustrating. Despite being fully informed of the situation, TransUnion has refused to take corrective action, even though other credit reporting agencies have addressed the discrepancies. This lack of intervention from TransUnion is particularly troubling, as it has left my credit report inaccurately reflecting my loan status and further exacerbating my concerns. Additionally, XXXX had previously agreed to ensure the accuracy of the information they report to credit bureaus, yet these discrepancies remain unresolved. I am seeking accountability and resolution for this issue, as the impact on borrowers financial well-being is significant and can not be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing this account in many times on my credit report and it is incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$500.00}
Product: Student loan

I was enrolled by Premier Student Loan Center in XXXX of XXXX. I made 6 payments of {$230.00} to the company for assistance and then my payments would begin in XX/XX/XXXX for $ XXXX/month. They took my loan and enrolled me in XXXX by using false information to lower my payment. I just learned of this as my next payment due is over {$1000.00}!!! The company is now closed yet {$32.00} each month is still being taken from my bank account.
Product: Debt collection

I keep getting calls saying I owe an amount I did not establish, want to report identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy of the reporting of this account. Kohl 's provided me with a statement of an account. As per the FTC opinion letter from Attorney XXXX XXXX XXXX a printout of a bill does not constitute verification.
Product: Credit reporting or other personal consumer reports

I recently reviews a copy of my credit report and there was fraudulent activity. Please remove this account from my report its hurting my ability to obtain credit.
Product: Debt collection

The collection company is National Credit Systems. The Last dispute I had with them was XX/XX/year>. The amount they are saying is owed is {$16000.00} and refuse to provide any information from the original creditor with anything regarding a lease breaking fee or anything. I've asked multiple times to remove this from my credit report. I was also not the only one on the lease. Meaning they're putting {$16000.00} owed on multiple peoples credit reports. This needs to be removed from my report immediately.
Product: Prepaid card

I have been asking Netspend/XXXX Prepaid operated by XXXX for access to my transaction history. For days they have been saying the system is down, then they told me they can not give me access I have to go through my XXXX account, I did that, it directed me to call Netspend/XXXX Prepaid customer service so I did that, they keep sending me in circles and I still do not have access to my transactions. I started noticing that the balance I should have in my account does not match the balance in my account and wanted to see how long this has been going on so I can file a dispute, I ordered by transaction record dated back to XXXX 2015 and was told I have to pay a fee, I said fine. They told me it would be 48-72 hours to obtain it and it would be sent to my email. To date, there is nothing in my email, they still will not let me access my transaction records online, they told me I needed order the record again, so I asked for it again, they are telling me another 24-48 hours now. I have totaled approximately {$300.00} missing from my account and I ca n't see if that is accurate or not because they will not give me access or the proper documents I need. This is not right.
Product: Debt collection

credit history has hit because of wrong attempt to collect debt which is not mine. please help to remove this from credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Wrote to EXPERIAN ON XX/XX/2020 AND XX/XX/2020 asking for help to correct some items that are reporting on my credit report. that are not mines
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 XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 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 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 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: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as  possible and confirmed to be correct. Thanks!
Product: Student loan

my mother fell terminally ill, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her health care expenses. I fell on very rough times after she passed away, and was unable to make my student loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. 

Im not proud of this black mark on my record, but its the only one I have, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score.
Product: Student loan

XX/XX/2020, received an email with the subject line. we detected a new account opening. 

Goes on to say, View Details We monitor your XXXX  credit report every day and have detected that a new credit account was opened in your name. 

No such account has opened. following their link led me to a paid service. I could not find the new account on any other credit reporting website. 

I just felt that it was unfair that they could lie to me and tell me that my identity has been stolen in an attempt to sell me something.
Product: Checking or savings account

1. I opened CITI priority Checking and Saving accounts online in XXXX this year and get approved immediately so that I transferred each {$100.00} into these two accounts ( {$200.00} usd in total ). 

2. Just when I received the physical bank cards and associated documents, I also received a letter noted that my account was closed somehow, but the bank will issue me a check for the balance to me. 

3. However, in the past 6 months, I have contacted citi custom service several times over the phone and even visited the Citi bank branch once to ask the status or progress of the check for my balance of {$200.00} USD. The citibank have not provided me a certain result yet.
Product: Credit card or prepaid card

So i purchased a few things from XXXX useing gift card and debit card. I decided to get something else somewhere else so I return the items and when I return the items they put the full amount on my debit card. Which in XXXX policy is says when you use a gift card in combination with credit or debit card that it will all be refunded to your debit card. So NetSpend put a temporary hold on my card and requested for the receipts for proof that I purchase those items I have sent it to them and they still have not unlock my account. I called them and they hang up on me or put me on hold for several hours where I end up just hanging up they also claimed to only have received one of the receipts which I sent them a picture of both of the receipts so there's no possible way that they could have only received one it's just ridiculous and I'm not getting anywhere with them it's been several days