23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : 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

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

XXXX XXXX XXXX XXXX This account does not belong to me XXXXXXXX XXXX XXXXXXXX account was never late it was paid as agreed XXXX XXXX XXXX account never late paid as agreed adressses that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Obtained this XXXX XXXX credit card XXXX of XXXX. In XXXX of XXXX I logged into pay this account and it was frozen. I contacted XXXX XXXX and they said it was frozen due to a fraud investigation on their end. I took the employee number and all my notes from this call and was instructed to contact them again the following week. I did and was told the same thing that this account was under a fraud investigation and could take up to 2 weeks to complete. The next day I received a 30 day late on my credit report from XXXX XXXX. I reached out again questioning why I received this 30 day late after being instructed to do nothing per their customer service department until the fraud investigation was completed and the response I got is we are not removing the 30 day late and you are now obligated to pay this account in full. I spoke with an attorney and was instructed to wait till this goes to court to fight it. We went to court over the last few months and XXXX XXXX failed to provide the discovery of why they froze the account for " fraud '' and the judge dismissed this case. I have talked to all XXXX bureaus to have this updated on my credit report and they are instructing me to file a complaint with you the CFPB to get this resolved and removed from my credit. I have reached out to XXXX XXXX multiple times as well as reached out to them through their own attorney group during our case to get this resolved but XXXX XXXX will not respond and has never responded to any request. This has destroyed my credit costing me thousands in higher interest over the last 3 years as well as prevented me from refinancing my home. Prior to this I never had even 1 30 day late with this credit card. Thank you.
Product: Student loan

I submitted a request for a loan discharge based on misconduct from the school I attended, XXXX XXXX on XX/XX/24 and again on XX/XX/24. The request was denied with little information as to why. 

I made a similar request for my federal student loans that was approved.
Product: Credit reporting or other personal consumer reports

Aidvantage will not update my XXXX credit report to show my balance as XXXX. My student loans were transferred to XXXX in XX/XX/2023. I no longer have a balance or open account with Aidvantage. 

Total Balance showing is {$150000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX  AND XXXX HAS ACCOUNT ON MY CREDIT THATS NOT MINE. 

PLEASE DELETE ASAP.

Accounts:

Account name XXXX XXXX-Account number--XXXXXXXXXXXXXX
XXXX XXXX XXXX-Account numbe-XXXXXXXXXXXXXX
Account name XXXX XXXX XXXX XXXX  -Account number-XXXXXXXX
Account name XXXXAccount number-XXXXXXXXXXXX
Account name XXXX XXXXAccount number--XXXXXXXXXXXX
Account name XXXX XXXX XXXX-Account number--XXXXXXXXXXX
Account name XXXX XXXX.-Account number-XXXXXXX
Account name XXXX-Account number--XXXXXXXXXXXXXX
Account name XXXX XXXX XXXX XXXX--Account number--XXXXXX
Product: Checking or savings account

This morning, I saw on my debit card transaction history that a company called XXXX XXXX had used my debit card for {$510.00}. 
I contacted my bank and notified them that there has been a fraudulent charge and that my debit card is compromised. 
They said they will issue a new debit card and start a dispute for the fraudulent charge and an investigation will take place and could go on for up to 10 days. I explained that I needed this money to pay for my car payment and other bills and that {$500.00} is a lot of money. And they just apologized and said that this was all that they can do. How is it that I lost {$510.00} from no fault of my own and there isnt a guarantee that I will get my money back?
Product: Vehicle loan or lease

I signed loan documents for XXXX XXXX XXXX XXXX through Autopay on XX/XX/XXXX. I was told a payoff check would be sent immediately and my 1st payment would be due. XX/XX/XXXX with XXXX. Its XX/XX/XXXX, my old loan has not been paid off, which now has 2 payments due on it. I have already received a bill for the new loan. Autopay did not do as promise and now has put past due payments on my credit. They do not respond to calls or emails. They will only text, and still did not answer my questions.I was told there was no tracking number, but when my husband called he was given a tracking number. I would not recommend using them at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters on XX/XX/XXXX, XX/XX/XXXX to Transunion in which they have not responded or investigated any of my letters. When I called the first time after 45 days I was rudely disconnected from the rep and when I called back I was told to call back tomorrow. When I called back the next day the rep I spoke to informed me that I should wait a few more days to hear back from my dispute letters, although it has already over 3 months and no response from them. It's displaying 1 late payment for XXXXXXXX XXXX which is incorrect and is very detrimental to my credit report. I am very upset. They're not following the law and continue to not care about the damage they're causing with these incorrect payment status.
Product: Student loan

I have had Sallie Mae, the NAVIANT student loans for a longtime. I have been steered in may directions, I originally borrowed {>= $1,000,000} for my schooling which has now grown into a balance of {$400000.00}. First, I believe they have miscalculated the amounts I owe, which includes misguiding me so that options were not discussed and/or any possible ramifications, secondly, no one ever explained anything about deferments, any other options to me thought my loans which I have been paying for nearly 20 years, they do not have any answers for me, when I ask them, please help.
Product: Bank account or service

Bank of America recently held a check of mine for approximately two weeks without any warnings. They did this another time for around 5 days, also with no warning. This caused me all kinds of aggravation and fees from them as well as vendors that I made payments to. This has made me problems in personal as well as business accounts. They also repeatedly put my checks through twice even though I never asked for it and they charge me XXXX fees per check. I discussed this several times with personal bankers and got nowhere. I have now told them that I am done banking with them and have taken my business elsewhere. I asked them to close my accounts and send me a bill. Instead they keep my accounts open and keep racking up more bogus fees. Now for some reason they have a recording calling my PARENTS house several times a day. I do n't think I ever gave them that number and I need them to cease and desist. They should also remove all these fees from my accounts but at a minimum stop the harassment.
Product: Credit card or prepaid card

I received an unsolicited Visa debit card from Netspend/XXXX. I did not apply for this card nor did I want this card. I contacted them and they suggested my identity may have been stolen. I sent them a written notice of the fraud as recommended by IdentifyTheft.gov and did not hear back from them in the required 30 days to indicate that the account has been closed. I therefore do not know the circumstances that let to them opening the account ( the date, method, and what information was provided to them ) nor do I know if the account has been closed.
Product: Credit reporting or other personal consumer reports

XXXX on XX/XX/2023 I sent XXXX a notice of Opting out. Also AVANT never disclosed to me my right to Opt-out
Product: Credit card

XXXX ads, went on a charging spree and charge my personal credit card for over XXXX $ and Citi bank my card company is failing toto fight these over charges. I have provided Citi bank all the statements and documents to show this was fraudulent charges to my card and were never approved for XXXX or anyone at XXXX to charge my card.
Product: Mortgage

A company supposedly affiliated with my mortgage company is requiring me to get flood insurance when we do not live on a flood plain. There is only a phone number in the XXXX to call and they refuse to tell me anything or who is responsible. They do say they are affiliated with a company that sells flood insurance. There is only a XXXX XXXX to respond to. I have forwarded documentation to them that we are not on a flood plain and sent it certified mail, but they sent a second letter saying they are buying it for us and charging it to our escrow account. I have also sent duplicates to the president of Nationstar with no response either. They are going to bill us more than {$2000.00} if we do not show proof of flood insurance. The last time this came up, supposedly our former mortgage company was using a third party called XXXX who apparently was using wrong flood maps. We have checked with our county and with the main surveying company in this area asking about getting a Letter of Map Amendment for XXXX, but were told that we should not have to spend the {$1000.00} to get it done as we are not on a flood plain. It was suggested that this is a scam being perpetrated on people who live in areas where there have been minor floods in the past year. None of our neighbors received anything from their mortgage companies and judging from the complaints filed against Nationstar, there seems to be questionable practices against their mortgagees. Please help.
Product: Credit reporting or other personal consumer reports

Dates of infraction : XXXX XXXX XXXXXX/XX/year> Reson for infraction : The statement was never received due to a change of Address Result of infraction : Account involved in litigation. Please remove it from my credit report until litigation is resolved
Product: Credit card

XX/XX/XXXX, I was disputing late fees on my XXXX limit capital one account and was having a very difficult time. This went on for three months until the account was late 90 days XX/XX/XXXX. At this time Capital One added XXXX in fees as late fees/collection fees/attorney fees, and refused to work with me. XX/XX/XXXX, they charged off XXXX, so the account was at a XXXX balance. They can not charge off an account, take credit for this on their taxes and still show this balance that I owe. This would be fraud. The XXXX has continued to grow until today it is at XXXX. 
They do this to show my credit use at XXXX % of limit which destroys my credit score, so I will pay the XXXX. Again if I do pay this and they charged it off, that would be fraud on their part.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Hard Inquiries on My Credit Report Dear CFPB, I am writing to file a complaint regarding multiple unauthorized hard inquiries on my credit report. These inquiries have negatively impacted my credit score and were conducted without my knowledge or consent. 

Inquiries from TransUnion The following inquiries appear on my TransUnion credit report and were not authorized : XXXX  XXXX, dated XX/XX/year> XXXX XXXX XXXX, dated XX/XX/year> XXXX XXXX ( Finance ), dated XX/XX/year> XXXX  XXXX ( Finance ), dated XX/XX/year> XXXX ( Finance ), dated XX/XX/year> XXXX XXXX ( Finance ), dated XX/XX/year> XXXX XXXX ( Finance ), dated XX/XX/year> Inquiries from XXXX The following inquiries appear on my XXXX credit report and were also unauthorized : XXXX XXXX XXXX, dated XX/XX/year> XXXX XXXX XXXX, dated XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXated XX/XX/year> Explanation of Events In XX/XX/year>, I visited a XXXX XXXX XXXX purchase a vehicle. I was already prequalified for financing through XXXX XXXX. Before that I had spoken to a representative over the phone that was giving option to refinance another vehicle that I had but I just ended up going to the XXXX and purchasing a vehicle with the loan that a had already been pre approved, After purchasing the vehicle, I attempted to contact the representative to confirm that I did not wish to pursue any refinancing offers. Unfortunately, I was unable to reach them, and they did not follow up with me. Shortly afterward, I discovered multiple hard inquiries on my credit reports from lenders I neither authorized nor was aware of.Even weeks after I receive another hard inquiries as soon as I unfreeze my credit. 

Key Issues 1. I did not authorize any of the inquiries listed above.

2. The dealership submitted my credit information to multiple lenders without my explicit consent.

3. These unauthorized inquiries have harmed my credit score and financial reputation.

Request for Action I am requesting the CFPBs assistance in the following : 1. Investigate the unauthorized hard inquiries listed above. 
2. Ensure that the inquiries are removed from my credit reports ( both TransUnion and XXXX ). 
3. Hold the dealership or any responsible parties accountable for their actions. 

I have already taken steps to dispute these inquiries directly with the credit bureaus However, I believe additional oversight and action are necessary to resolve this matter. 

Thank you for your attention to this issue. I am happy to provide additional information or documentation if required. 

Sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ] [ XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/2023 {$830.00} Reported balance This account is fraudulent an was removed from my credit report due to identity theft an the company added it back it's fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax and XXXX will not take a dispute online, try to call get no response.reporting incorrect balances on 2 accounts, reporting incorrect credit lines, reporting 11 % credit usage, using less than 3 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Charge account Charge account XXXX Code : Individual Individual Account Status : Paid Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$350.00} {$350.00} XXXX XXXX : {$150.00} {$150.00} Past Due : {$0.00} {$0.00} Payment Status : Current Late 180 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Canceled by XXXX XXXX Account has been closed due to inactivity. 
XXXX XXXX ITEM IN DISPUTE BY CONSUMER Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX Account Type : Revolving Account Type - Detail : - XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$150.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account closed at consumer 's request Closed or paid account/zero balance Date Last Active : - Date of Last Payment : RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

For the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries Despite a my request for information from 4 months of asking in letters regarding late payments and collections, inquiries, there has been no response or resolution has been provided. This lack of transparency and action on the part of the debt collector represents a violation of the consumer 's rights under pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I was recently contacted by your companies above in regarding a debt that I owe or a inquiry I made. However, I disputed the validity of this debt as I have no knowledge or records of the alleged account in question. In accordance with the FDCPA, I kindly requested that they provide me with the following information to validate the debt : 1 A complete and itemized statement of the alleged debt, including the original creditor 's name, the date the debt was incurred, and the amount of the original debt.

2 A copy of the original signed loan or credit agreement, or any other documentation that bears my signature and serves as evidence of my liability for the alleged debt.

3 A detailed explanation of any fees, interest, or charges added to the original debt amount, along with proof of their legal authorization.

4 Proof that your agency is legally authorized to collect debts in my state of residence, including the necessary licensing and bonding documentation.

5 A statement affirming that the alleged debt has not exceeded the statute of limitations in my state of residence.

As per the FDCPA, they are required to respond to my request for validation within 30 days of receipt of this letter. I also requested During this time, all collection activity must cease, and any negative information reported to the credit bureaus must be removed. Failure to provide the requested validation or to comply with the FDCPA may result in legal action being taken against their agency. They did not follow through with my request at all.

Furthermore, I am invoking my right under the FDCPA, 15 U.S.C. 1692c ( c ), to demand that you cease and desist from any further communication or collection efforts concerning this alleged debt. This includes, but is not limited to, telephone calls, letters and electronic communications to me, my family, friends, or place of employment and reporting data on my consumer report. Any further attempts to contact me regarding this matter may be considered harassment and may result in legal action being taken against the agencies