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

I am writing to address discrepancies on my credit report that require immediate attention from your agency. Specifically, I am disputing the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My dispute stems from the lack of sufficient information provided by your agency to validate the debt associated with these accounts. It is worth noting that both XXXX and XXXX, reputable credit bureaus, have already rectified these inaccuracies in their records after identifying errors. I find it perplexing that your agency has not taken similar action despite the discrepancies being acknowledged by other bureaus. Therefore, I urge you to promptly correct these accounts in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable.
Product: Debt collection

I feel my consumer rights are being abused with high interest rates and the creditor not furnishing the original bill so that I can see what I'm being billed for an what the original bill/contract stated the maximum interest I can be charged. 

In 2008 I went to XXXX Hospital, which third party billed to XXXX XXXX XXXX, then to an attorney that I feel has bought the medical bill and charged me {$4600.00} on an {$750.00} bill. The attorney has informed us they are representing XXXX XXXX but I feel they have bought this bill and charged me not only a lot of interest but filing fees and attorney fees on top of the original bill. 

My checking and Savings have been garnished and frozen in regards to this.I have called XXXX hospital, XXXX XXXX, the attorney and I've gone to the court house ( per the attorneys direction ) to get the original bill/contract that I signed to see why I'm being charged so much in interest and how do they know what to charge if they don't have the original bill or contract? Nobody has the original contract so I feel it is my right as a consumer to see this original bill or contract. How does this attorney know how much to charge me if they don't have the original bill or contract? 

I hope that by reporting this to the CFPB, you can help me obtain this original bill or contract to see if I am being billed within my rights as a consumer.
Product: Student loan

My Name is XXXX XXXX and I went to XXXX University in XXXX Florida, which i finished back in XX/XX/XXXX. In XX/XX/XXXX XXXX was Shot down do to a lot of Problems and lies with that school. They never helped me as they Promised to find Employment, and they lied to me about the Total amount that my XXXX XXXX XXXX would be for only 2 years. From {$14000.00} and some change that i was told, they started charging me $ XXXX Change. They are Taking all my Taxes and on top of that they are going to take my XXXX XXXX away too. I have a Family to feed, and bills to pay in order for me to have a place to live. My life has been a Struggle do to the Fact that i still haven't been able to find a Job for what i Graduated from and have to live off of Min wage and Part Time Jobs. I can't afford to lose my check too or who will pay my bills and take care of my family. This School has done nothing but made my life XXXX and so has the student Loans, over charging for only a 2 year XXXX XXXX. Now XXXX sent me a Letter from the behalf of my Current Part time Job, that they will take half my check as well. This XXXX University has been nothing but a headache and a Scam and so is Salliemae and Navient Student Loans. I need serious Help because this is affecting my Life and My Family.
Product: Credit card

I disputed the charge, but I have withdrawn because the merchant tried to solve the problem but the problem wasn't solved. I tried to reopen the dispute but they refused to reopen the dispute that has been closed.
Product: Credit reporting or other personal consumer reports

BOTTOM LINE : Getting a credit report from Equifax is much too difficult and involves providing more and more personal information. 
SUMMARY : 1. Problem with requesting annual credit report from Equifax online. Each time it tells me it can not verify me and I must send written request along with copies of Social Security card and/or driver 's license. There should be a way to verify me online. 
2. The last time I got an Equifax report was in XXXX, and I had to send request through mail with copy of above documents. I received a paper report through the mail. 
3. Today, XX/XX/XXXX, I tried online but again it said it can't verify me ( I provided SSN, name/address, email, etc. ) and to call a number. When I called, the person asked all the same info plus they now wanted a mobile number in order to verify me. I gave them a cell phone number ( I rarely use a cell phone ; it is mostly for safety if my car breaks down so I can call XXXX. ) Equifax then texted me a link to a " Document Verification '' service where I was asked to take photo of my driver 's license and myself. I refused and ended the call. 
4. Equifax has proven they can not keep customer information safe yet they ask for more information than anyone else has ever asked me for. I am extremely uncomfortable giving this info and even if I do, I have no guarantee I can get my credit report. 
5. Equifax makes it far too difficult to get a paper credit report, let alone an online credit report. It reminds me ( in a small way ) of old time voting laws. 
6. I want Equifax to be reasonable in verification.
Product: Checking or savings account

I have been doing business with an online bank, Bread Savings ( a division of Comenity Capital Bank ) for many years in which I have always maintained an account in good standing. 

On XX/XX/XXXX, Comenity Capital Bank sent me a letter claiming a review of my account " revealed potential security concerns and/or irregular account transations. '' Therefore, they are closing my account and forbidding me to do any future business with the bank. 

I have broken no rules and have done nothing at all to deserve this. The bank refuses to convey any questions or concerns, nor have they conveyed any suspected irregularities. In sum, they are doing this in a totally discriminatory way without providing me any opportunity to explain any issues they may have. 

This smacks of discrimination ... ..closing my account without explanation or reason. I can provide you with an entire history of my transactions over many years with this bank without ever a hint of problems. 

Therefore I request an investigation of this highly unusual and totally discriminatory action on the bank 's part. I have done nothing wrong and being treated like a common criminal. 

I look forward to to your reply. 

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

I have recently relocated to the US in XX/XX/XXXX. The first thing I did was to try and get a car through XXXX XXXX of XXXX, NC. The company took my social security number and randomly contacted multiple financial institutions causing a total of 7 hard inquiries to be registered under my credit reports ( 2 under XXXX and 5 under Equifax ).  This was done without my approval and without even informing me. 

Of course the dealership did that trying to secure a sale of the car at my expense. I was shocked to see the effect on my credit report as a result of these 9 hard inquiries. All of which were not authorized by me.

All the hard inquiries were run on XX/XX/XXXX which is the date I was in the dealership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL MY REQUIRED ITEMS TO TRANS UNION AND TO XXXX, THE CHARGES ON THIS PERSONAL LOAN IS FRAUDULENT. I HAVE NEVER REQUESTED A LOAN OF ANY KIND FROM XXXX. SOMONE STOLE MY INFORMATION AND OPENED A LOAN ACCOUNT WITH XXXX. I HAVE SUBMITTED ALL REQUIRED ITEMS TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is listing an incorrect account on my credit reports and refuse to send any validating information to prove the information they are reporting. I have requested details of the account summary, details of the interest rate and how they reach the balance on my credit report, and also validation that this is my debt. They have failed to send me validating information, but continues to report on my credit reports. I have also complained that the payment history is reporting inaccurate as well, but Transunion and XXXX XXXX continues to report inaccuracies on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Student loan

1. Put me in forbearance for delinquency when no payments have been missed or late 2. Redesignated lump sum payments to paid ahead purposefully made in not paid ahead status with a permanent do not pay ahead selected on account prior to lump sum payments 3. Combined loans into single payment when asked before and I elected to keep two separate pay dates 4. Cancelled current contracted pay as you earn program for 12th month ( XXXX 2017 ) because of recalculating payment under a new plan and telling me for the 12th payment I either have to be placed in forbearance for delinquency status or pay the standard payment for the month of XXXX and that the payment would not qualify under my Public Service Loan Repayment program. Would not allow for contracted income driven repayment plan final payment amount to apply.
Product: Debt collection

On XX/XX/XXXX i applied for a car loan with Bridgecrest Auto loans, and due to the Pandemic and loss of employment i could no longer keep the car. I called XXXX where i received the vehicle and advised that i would need to do a voluntary repo for the car. I was advised to drop the keys off and they would let Bridgecrest and they would contact me with the amount owed once the car was sold. 

The car was sold and i was advised their was no debt, I never heard from Bridgecrest again until i noticed last year a debt from a company i did not recognize i tried to call the company and the number was disconnected. I disputed the autoloan on all three of my credit report in XX/XX/XXXX and it was removed from my credit. 

On XX/XX/XXXX a lawsuit against me was taken out and i was not advised by the court or Bridgecrest that a lawsuit had been taken out on me until recently in XXXX of XXXX when a court reporter served me a notice saying that i was being sued by a company called XXXX XXXX XXXX on behalf of Bridgecreast since this time they've placed a {$15000.00} debt back onto my credit and still have not contacted me directly and tried to work with me on a feasible solution. They also used bad tactics by sending court documents to an address i no longer live and have not lived at for over 4yrs by ensuring that they are able to complete a default judgement, this is predatory on their end and shows bad faith on the companies part. 

Their court case has been dismissed because they did not show up to court, i feel harassed for no reason.
Product: Credit reporting or other personal consumer reports

This company Charge-off this account and did not send me a 1099c for this .....
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was not accurate and improper use of my credit report, nothing was deleted. Additionally the creditor agreed to remove account and did not. The consumer reporting agencies which is XXXX and equifax did not properly conduct a thorough investigation for all information for account with XXXX XXXX XXXX : The status updated is not correct, status, balance updated, payment history on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 
I attach my previous credit report and my new credit report to show how XXXX  and equifax violated my rights.
Product: Credit reporting or other personal consumer reports

I would like these inquiries removed fromm my credit report. I have no knowledge of them and I know I did not approve or request. I don't recognize them at all, can you please remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted four investigation requests to Experian starting in XXXX of 2021. ( please see attached letters ) all 4 letters were mailed certified with confirmation that they were received. 
Ex

perian has violated FCRA for multiple reasons on this account.

1 ) They have yet to respond to me in over 5 months- however they put comments on the credit report stating account in dispute now resolved. - NO INVESTIGATION was done!

2 ) In the comments they report : unpaid balance reported as a loss- however in account status it shows PAID- which it was paid in full!! ANOTHER VIOLATION 3 ) the two year history is continuing to show " CO '' well over two years old- ANOTHER VIOLATION- which this is not only inaccurate but outdated.

Ive attached all supporting documents including letters as well as credit report.
Product: Credit reporting or other personal consumer reports

I have family member that look like me and they used my information before and i sued them i found active accounts on my report please remove them from my report its an Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
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 U.S.C 1681 FAIR COLLECTIONS AND OUTSOURCI Credit report XXXX credit report. XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than XXXX years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable. They dont have the correct birthdate.
Product: Checking or savings account

I went to the Bank of America on XX/XX/year> to open up a new account for my XXXX XXXX. The type of foundation was and XXXX XXXX. And Bank of America has been known to service these type of accounts or create these accounts. When I walked in the representative seems irritated by my presence I'm a XXXX American male and it seems like he didn't even want to help me. After spending an hour there he told me that he didn't know what to do what type of account I was actually trying to get. So the young lady who referred me to Bank of America helps organizations like mines, so I showed him A account that was already structured In there system that way I show him the type of account structure i needed. he looked at the other account that Bank of America create for my friend and told me that he could not help me because he did trust who ever did the account for her and he wasnt comfortable doing it for me. And we asked him it's the same structure that That BOA does routinely. And then I asked for the branch manager and the branch manager became very unprofessional and just told me that they couldn't help me.. so even after explaining to them and showing them how the account is structured in their own system they still refuse to create my account.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 
XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Former : XXXX XXXX Former : XXXX A XXXX Former : XXXX XXXX XXXX Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX , IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Employers : A XXXX XXXX  Employers : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

**Subject** : Unauthorized Sale of Personal Information & Incorrect Account Information To Whom It May Concern, I am filing a complaint against Experian and XXXX XXXX XXXX for violating my rights regarding the handling of my personal information and not doing a proper investigation, specifically the sale of my data to a debt collector without my consent. I believe this action violates the following laws : 1. **Fair Credit Reporting Act ( FCRA ) ** XXXX U.S.C. XXXX et seq. : This law ensures that my personal information is only shared with authorized parties, and that any report about my credit or debt is accurate. The unauthorized sale of my personal data to a debt collector is a direct violation of these protections. 

XXXX. **Gramm-Leach-Bliley Act ( GLBA ) ** XXXX U.S.C. XXXX et seq. : This law mandates that financial institutions must protect the privacy of my personal information and restricts the sharing of such information unless specific conditions are met. [ Company Name ] failed to comply with this law by disclosing my personal information without my permission. 

3. **Fair Debt Collection Practices Act ( FDCPA ) ** XXXX U.S.C. XXXX et seq. : If my personal data was sold to a debt collector in error or without permission, the debt collector may be engaging in unlawful practices that are prohibited under the FDCPA. 

Additionally, the information on file related to my account, is inaccurate. This incorrect information has negatively impacted my credit and financial standing. I request that you investigate the matter, remove the inaccurate data, and ensure that any unauthorized sale or sharing of my information ceases

immediately. Original dispute without proper investigation XXXXXX/XX/year>
Product: Debt collection

I am writing to bring to your attention the matter of a debt validation letter sent to Rent Recovery Solutions on XX/XX/year> pursuant to the requirements set forth under 15 USC 1682 ( g ). Unfortunately, despite the passage of a considerable amount of time, I have yet to receive the requested documentation as mandated by law. On XX/XX/year>, I sent a debt validation letter to Rent Recovery requesting that they validate the debt they reported on my credit report. I requested all relevant details, such as the account number, the amount in question, alleged debtor/creditor names and addresses, dates of charge-off or delinquency, whether or not the debt was assigned to debt collector or purchased, if purchased the amount paid, and an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 

Unfortunately, the documentation they provided in response was incomplete and did not meet the requirements as specified under 15 USC 1682 ( g ). This failure to provide the requested information not only violates my rights as a consumer under federal law but also raises concerns about the validity and legitimacy of the debt they are attempting to collect. I believe it is crucial for the Consumer Financial Protection Bureau to be aware of this situation. The non-compliance of Rent Recovery Solutions with the requirements of 15 USC 1682 ( g ) not only undermines the protections afforded to consumers but also indicates a potential violation of the Fair Debt Collection Practices Act ( FDCPA ).

I kindly request that the CFPB take appropriate action to ensure that Rent Recovery Solutions complies with federal law and provides the proper documentation requested in my debt validation letter. This will help ensure that my rights as a consumer are protected and that any attempts to collect a debt from me are legitimate and lawful.
Product: Credit card or prepaid card

On XX/XX/XXXX, CITI sent me a letter that says that credit has been made to my account in an ongoing dispute. To date, the credit has not been made. I called the dispute center on XX/XX/XXXX. The representative said that the letter had been issued XX/XX/XXXX, not XX/XX/XXXX as shown on the letter. The representative said that the account would be credited in 48 hours. I waited 48 hours from when the representative said the letter was issued, ( XX/XX/XXXX ) and no action. This dispute has been going on for five months. This is more evidence that Citi is not acting in good faith. In this dispute, Citi also issued me a letter saying that the issue had been resolved and that a temporary payment had been made permanent. However the temporary payment had been rescinded. Citi also said in writing that no further action was needed on my part, which is also simply not true.