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 XXXX XXXX XXXX I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more are incorrect?

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602A. Stated I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

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: Checking or savings account

On XX/XX/2021 we received an email from the bank informing me that an " unusual '' transaction was cancelled and immediately received another email notifying me that I would not be able to use the 3 accounts and that they would be closed soon. 

A few hours later that same day, I called the bank to find out the status of the accounts and was informed that they would soon be closed and that if I had funds, the checks would be mailed to the address on record. Between my accounts at that time I had a total of XXXX USD. 

Today, XX/XX/2021, I called the bank again and they told me that the account was not closed, but restricted and for that reason they could not send me the funds, which I find disrespectful as they are playing with other people 's money since those funds were intended to pay the payroll of my employees. 

I understand that they want to close my account, but they can't hold the money until they want to. I need them to send me the checks to the address on record as I was notified the first time. They can't hold my money without giving me a valid reason. It is unprofessional for them to inform you of something and then do something completely different without notifying you, as I had to call to be told the new status of my account.
Product: Debt collection

Dear CFPB, I am filing this complaint against Revenue Enterprises LLC for their failure to comply with my requests for validation of an alleged debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to obtain proper documentation, Revenue Enterprises has failed to provide sufficient information for me to validate the legitimacy of the debt they claim I owe. Below is a summary of the events : - On XXXX XXXX, XXXX, I sent an initial request to Revenue Enterprises asking for validation of an alleged medical debt they reported on my credit report. In this request, I asked for : - A detailed breakdown of all charges, including any collection fees.

- A copy of my signed authorization to release my medical information.

- Evidence that the original creditor authorized Revenue Enterprises to collect the debt. 

- On XXXX XXXX, XXXX, I sent a follow-up letter as they had not responded with the requested documentation within the 30-day timeframe required by law. I reiterated my request for validation, citing both the FDCPA and HIPAA, as I had concerns about the release of my medical information without my consent. I also requested that they cease reporting the debt to the credit bureaus until it was validated. 

- On XXXX XXXX, XXXX, I sent a third letter, emphasizing that the information they had provided so far was incomplete and did not substantiate their claim. The document they sent did not include my address or any identifying details that could link me to the alleged debt. The information appeared fabricated and did not meet the legal requirements for debt validation under the FDCPA. I again requested that they cease reporting the debt and provide proper validation.

Despite these repeated attempts, I have not received the required documentation to validate this debt. Revenue Enterprises ' failure to respond appropriately is a violation of my rights under the FDCPA and FCRA. By continuing to report the debt without proper validation, they have also damaged my credit score unjustly. I am seeking the CFPB 's intervention to ensure that my rights are protected and that this matter is resolved. 

I request that the CFPB hold them accountable for their violations. I also request that the CFPB require them to cease reporting this debt to the credit bureaus until proper validation is provided, or have the debt removed from my credit report entirely. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My right to privacy is of utmost importance, and I am asserting this right through this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you are fully responsible for upholding your duties with fairness, impartiality, and respect for the consumer 's right to privacy. I am invoking this right as specified by the law. Please ensure that all information in this matter is treated with the highest degree of fairness, impartiality, and respect for my privacy. Under 15 U.S. Code 1681b, regarding permissible purpose, I have never given this company authorization for any such purpose. They are in direct violation of this statute. I request that this account be removed from my report immediately as it is damaging my reputation, character, creditworthiness, standing, capacity, and more. Since it is your duty to protect my privacy, I need this issue resolved with urgency. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts have violated my rights XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX Unknown account # XXXX ( shows twice on XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that 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 was fired because of pending charges that are absolutely inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX XXXX are consumer reporting agencies and I am the Consumer. 

Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of informationto credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX. XXXX XXXX  XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 

Collection Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$480.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  Account Number : XXXX Balance : {$270.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$86.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$100.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lowered my credit score for no reason and then is trying to sell me a product called boost to improve my score. I feel my score was lowered just to get me to buy this service. They lowered my score to XXXX from XXXX and then sent me an email alert and the only change was generated by them.
Product: Credit card or prepaid card

I applied for a Citi Bank card because the rewards promised seemed attractive. I was granted the card. However, I did not receive a statement the first month. After a while I became concerned and contacted Citi. They said I owed a balance and a late fee. I paid the balance immediately. I complained about the late fee and explained I was waiting for my first statement. They said I opted for a paperless statement, but I know that is not true. I never choose paperless, especially not for a new account. If I " chose '' paperless it is only because they tricked me. They agreed to waive the penalty, and they did so. However, an interest charge of {$32.00} appeared on my statement. That is more than the late penalty. That is unfair because 1 ) the payment was only a day or two late, and 2 ) I would have paid on time if I had received a statement. I contacted City again and talked to " XXXX. '' She just gave me the runaround, claiming she wanted to help me but had no " authority. '' I think Citi intentionally misleads customers unwittingly into paperless statements because they want to trigger late payments, late fees, and excessive interest. Then they stiff-arm anyone who complains. It is a scam.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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

I need you to please look carefully at the documents that I've attached as the personal information you're reporting is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 12 accounts on my credit report that do not belong to me I have been disputing these since XXXX of 2020 this is causing me great anxiety and I am getting irritated that the credit bureaus are reporting wrong information I have not received anything back from the bureaus reagrding this complaint XXXX Acct # XXXXAmt {$0.00} XXXX  XXXX XXXX  XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$1200.00} XXXX XXXX  XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXXXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU XXXX Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU XXXX Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU XXXX Acct # XXXXAmt {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report negative fraudulent information on my credit report. The other credit bureaus have already removed these fraudulent accounts. Equifax is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Fraud Block Request - I have correctly updated my information identitytheft.gov and attached my police report. I updated account information to the best of my ability, as the account information that are being report attached, I have no knowledge, as they are not my accounts, and information provided by the creditor was vague. Lastly, I have attached my DL, My passport, XXXX statement, XXXX Police Report, XXXX Report, Social Security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. US DEPT OF ED XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

I closed on my home on XX/XX/XXXX, with Loan Depot. My account number is XXXX. Since that time, I have been trying to access my account. When I accessed the Loan Depot ( administrative ) site and tried to log in with my information from a previous loan, I received a message that they could not find any information on me. I then tried to register with my new loan information, I received a message stating that I already had an account. I even filled out the form to retrieve a lost password, requiring my SSN, my last name, and my phone number. The message came back that there was no account under that information. I have made at least 10 phone calls, left 4 messages, sent 3 emails, and filed a complaint with the XXXX on XX/XX/XXXX. The XXXX sent a letter which has yet to be answered. The phone calls to Loan Depot all resulted in either the person saying they had no idea what the problem was, telling me they would take care of the problem, being cut off, being transferred back to the phone tree, or having the associate say they were going to talk to their supervisor and never returning to the phone. One person told me that because I have had a prior account, that that account had to be deleted first and that they would do that. It never happened. I have no way to arrange for automatic payments of my mortgage. I had to call the toll free number and get someone to " override '' whatever it was in order to take my payment over the phone for my XXXX obligation. I have no idea where my money is going ; principal, taxes, escarole, or anywhere else. I am being denied information on my account. I need to have access to my account.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting XXXX XXXX correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be XXXX XXXX accurate on my credit report and XXXX 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting XXXX XXXX accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information contained in my consumer credit report. These items are incorrect and do not reflect accurate information regarding my credit history. 

-- -- -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -- -- -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I WAS APPROVED FOR TOTAL AND PERMANENT XXXX DISCHARGE OF MY STUDENT LOANS OF {$63000.00}, ON XX/XX/2020 BY XXXX AND THE DEPARTMENT OF EDUCATION. ON XX/XX/2020 XXXX REQUESTED THE TOTAL AMOUNT OF MY LOANS FROM FED LOAN SERVICING, NUMBER XXXX SO THAT MY STUDENT LOANS CAN BE PAID IN FULL. AFTER SPEAKING WITH XXXX ON XX/XX/2020, THEY STATED THAT THEY ARE WAITING FOR THE LOANS TO BE TRANSFER BY FED LOANS SERVICING. WHEN I SPOKE WITH FED LOAN SERVICING, THEY STATED THAT THEY ARE WAITING ON DEPARTMENT OF EDUCATION TO SEND OVER INSTRUCTION FOR THE PROCESS. XXXX CAN BE REACHED AT XXXX. EVERY MONTH FED LOAN SERVICING IS REPORTING TO THE CREDIT BUREAU THAT I OWE {$63000.00} TO THE DEPARTMENT OF EDUCATION FOR FEDERAL STUDENT LOANS. FED LOANS SERVICING CAN REPORT THAT I OWE, BUT WILL NOT TRANSFER THE LOAN AMOUNTS TO XXXX SO THAT THEY CAN BE REMOVED FROM MY CREDIT REPORT AS OWING PAYMENTS. FED LOAN SERVICING NUMBER IS XXXX. IT HAS BEEN SO CHALLENGING THAT THIS COMPANY WILL NOT COMPLY WITH THE SYSTEM TO REMOVE MY LOANS AND XXXX HAS THEIR CHECK IN THEIR HANDS? I AM BEGINNING TO VIEW THIS WITH A DIFFERENT LENS. MAY BE ITS BECAUSE IM XXXX AMERICAN IS THE REASON THEY ARE NOT RESPONDING TO MY APPROVED APPLICATION FOR TPD DISCHARGE ON XX/XX/2020.
Product: Credit reporting

I have disputed a paid, closed student loan accouns a number of times as having incorrect data listed. Each time, TransUnion has opened a reinvestigation, and then closed it as being accurate. I requested twice the proof that they investigated the accounts as I have proof that they are incorrect based on information obtained from the National Student Loan Database and in speaking to the original creditors. 

I received nothing, just repeated updates that the accounts belong to me. 

XXXX does n't list a Date of first Delinquency, and lists my account as being late 150 days prior to the end of my 6-month grace period on XX/XX/XXXX. The account was defaulted based on an incorrect time period, and has since been paid in full through reconsolidation in XX/XX/XXXX. XXXX/XXXX has refused to remove the status that it is currently in a delinquent state and it has been negatively affecting my credit at a greater impact for more than 2 years.
Product: Checking or savings account

On XX/XX/2021 there were 13 charges made to my Bank of America checking account totaling {$4300.00} in a very short time span. I nor my husband made or authorized the charges to be made. This is a significant amount of money! The Virginia Lottery has been amazing but Bank of America has not!! I have provided a signed letter to the bank, the Virginia Lottery has closed both accounts.
Product: Mortgage

Wells Fargo home mortgage continues to use " mortgage backed security '' as an excuse to deny us any further help and acknowledge that the loan terms and structure of the loan modification that we were forced into signing on XXXX XXXX 2010 and if we did n't, they threaten us with foreclosure. They keep assigning different representatives that claim to research our concern and dispute, we always get the same response that theirs no evidence of any wrong doing by Wells Fargo Home Mortgage or its investors. So for the past five years we have been paying interest only to Wells Fargo Home Mortgage and current still have an Adjustable-Rate Mortgage ( ARM ). Wells Fargo has made it difficult and impossible for us to repay them and currently forcing us into foreclosure again. We have been targeted, abused with all these practices from Wells Fargo Home Mortgage. Wells Fargo Home Mortgage claimed to help us under the program Making Your Home Affordable but did the " BAIT AND SWITCH " on us with this XXXX loan with step Rate - Interest Only. We have been targeted since the beginning because we are XXXX and live in a city which is predominant XXXX.
Product: Student loan

I am a borrower whose loans are with MOHELA and am currently waiting for PSLF, especially verification of my employment history. I submitted three separate forms for my employment to be verified along with my PSLF application in XXXX, and to this day ( XX/XX/XXXX only one form has been processed. I called MOHELA eight weeks ago and they said they would follow up ; I have called today and they said the same thing. I would like my full application to be processed before student loan payments resume. I should be eligible for full PSLF having been employed for ten years, but MOHELA seems unable -- or unwilling -- to process the forms.