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

WELLS FARGO XX/XX/XXXX WELLS FARGO BANK XX/XX/XXXX WELLS FARGO IDV ONLY XX/XX/XXXX WELLS FARGO XX/XX/XXXX " I am opting out of your reporting services. 















According to the Fair Credit Reporting Act 15 USC 1681 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.I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent ( 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 information to 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 which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

WELLS FARGO WELLS FARGO BANK WELLS FARGO IDV ONLY WELLS FARGO are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time.

" I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I recently saw a unfamiliar account listed on my credit file without my permission or verification. I filed a dispute demanding that the company provide me with a HIPPA document signed in XXXX XXXX by while being of sound mind and body to sign such document. Electronic signature are not sufficient as anyone can sign electronically. As a consumer, I have the right to these documents and as the data furnishers, reporting information that has not been validated by me or ignoring clear HIPPA violations to do so is illegal. In the likely event that this comany decides to reply to this dispute with cookie cutter automated replies such as " verified as accurate '', I demand proof of documentation of such verification and the methods used to " verfiy '' this account in writing per FCRA regulations. I demand that this account be deleted immedately from my credit file unless all documents and proof can me mailed to me via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX continuing to report inaccurate, fraud accounts onto my credit file maintained by your company. I have disputed these items with you more than once yet you still to disregard and send frivolous notice that these accounts are verified accurate. Please inform me what has XXXX provided to you legally verifying these accounts bearing my signature. The systematic procedure with codes that you use are not proof. XXXX has no documents bearing my legal signature or a valid driver license proving that these accounts that were obtained through identity theft and maybe on the account of all the past breaches does not belong to me. In have informed you over and over again that the said accounts, are results of identity theft and does not belong to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply
Product: Credit reporting or other personal consumer reports

I am a victim of multiple data breaches therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately. 

I am formally request the blocking and permanent deletion of all accounts associated with my personal information due to the recent data breach. 

Also, I never lived at the address associated with these accounts in New Jersey. 
I have lived at XXXX XXXX XXXX, XXXX NJ XXXX since I was a kid at the age of XXXX. I previously lost my wallet back in 2018. I have been told by XXXX XXXX that someone at the address, XXXX XXXX XXXX XXXX NJ is using my personal information. I have reported this to the Federal Government via an FTC Report. 

I am also disputing all the information inside public records, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else because like I mentioned, I never lived at XXXX XXXX XXXX XXXX NJ I am overly aware of my consumer rights so please correct this problem in order to prevent Litigation. I will also be mailing a Certified Copy of This Dispute to Your Address so I can have proof in case litigation must take place. 

I NEVER SIGNED FOR THESE ACCOUNTS AT ALL. I PROMISE NOT ONE OF THESE ACCOUNTS CAN PROVIDE YOU WITH A VERIFIABLE SIGNATURE OR SIGNED CONTRACT AGREEING FOR THEM TO REPORT THESE ACCOUNTS TO MY CREDIT REPORT. Thats because these accounts were not opened by me. 

According to The FCRA, You must provide verifiable documents, signatures, contracts etc in order to verify that these accounts belong to me in which they do not. 
Aside from everything stated above, all of these accounts were exposed and compromised due to 2 Equifax Data Breaches. Proof is Attached. 

If These Accounts Are Not Removed From My Credit Report, My Lawyer & I Will Pursue Litigation with Equifax followed by XXXX XXXX XXXX since the FCRA States that all accounts affected by a data breach must be removed from my credit report. 

I Already lost over {$10000.00} + Spent over {$5000.00} mailing letters and receiving legal guidance on how to remove these accounts from my report. 
If I have to send one more dispute, I am coming for everything I lost through litigation
Product: Mortgage

I am trying to refinance. Pen Fed is my current mortgage company. 

They upgraded their system and it has caused their website to not post XXXX and XXXX mortgage statements. 

I need these for the refinance. 

I have now spoken with them six times, after long phone holds. Each time they have assured me the statements were being sent. I have validated the email addresses and have not received them. 

I have also had ineffective email exchanges where their rep told me to just get them on line. 

I am calling again today and starting my third week of trying to get these.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was sold to another mortgage company. Equifax reduce my credit report by 21 points and refused to investigate and correct this situation after talking to them over the phone. They place the blame on the mortgage company.
Product: Debt collection

Formal Complaint Regarding Debt Collection Practices by Allied Collection under XXXX XXXX XXXX - XXXX  XXXX XXXX  I am writing to file a formal complaint against Allied Collection, acting on behalf of XXXX XXXX XXXX, regarding their debt collection practices related to an outstanding amount of {$1300.00} associated with The XXXX XXXX. The circumstances surrounding this debt are unique and necessitate your intervention. 

Account Information : Collection Agency : Allied Collection Original Creditor : XXXX XXXX XXXX - XXXX XXXX XXXX Debt Amount : {$1300.00} Incident : XXXX  XXXX situation involving XXXX XXXX XXXX XXXX Attached : Copy of the Police Report documenting the incident Summary of the Issue : The debt in question arose due to the termination of a lease agreement at XXXX XXXX XXXX following a XXXX XXXX incident involving my wife, XXXX XXXX XXXX XXXX. As per Nevada laws, individuals are allowed to break an apartment lease contract in such situations. 

Despite repeated notifications to Allied Collection about the circumstances surrounding the lease termination and the provision of supporting documentation, the company continues to report inaccurate information to credit bureaus. I have attached a copy of the police report detailing the incident for your reference. 

Requested Action : I kindly request the Consumer Financial Protection Bureau 's intervention to rectify this situation promptly. The inaccurate reporting by Allied Collection is not only a violation of my rights but also has a detrimental impact on my credit score and financial standing. 

I ask that you investigate the matter, ensuring that Allied Collection adheres to the appropriate legal provisions regarding lease termination due to XXXX XXXX situations. Additionally, I request the removal of the inaccurate information from my credit report. 

Enclosures : Copy of the Police Report I appreciate your immediate attention to this matter and look forward to a prompt resolution. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Product: Vehicle loan or lease

There are late charges on my account. I want TD Auto to explain why they are on my account. I submitted a request for someone to look into this from customer support, but they have not resolved the problem. I have had many issues with my account when I log in online. My online version seems to freeze and does not allow me to access my statements and other features online. I believe there might have been a data breach. I paid the balance I owed for XXXX in full. Somehow I am already being charged a fee for XX/XX/2020, and it is not even late.
Product: Student loan

I wrote a letter to Navient on XX/XX/2019 inquiring about a transaction titled loan Sale. Navient did not disclosed any information associated with this transaction. The letter formally request for all pertinent information association with this sale date, time, and accounting be disclosed and a full disclosure of the financial ramification for the sale to the borrower be provided. 
Navient responded with a vague and contradictory letter stating there was no loan sale.I wrote a second letter to Navient on XX/XX/2019 declaring the response was unacceptable and none of the information originally requested was provided. To date i have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX account # XXXX ( Phone XXXX XXXX ) has violated my rights. 

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX1 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Student loan

I am auto class member of XXXX XXXX  XXXX. My federal has been discharged due to being defrauded by XXXX University. I should get full resolution with my private Navient Loans as well. Ive been reading online that they are starting a pilot program for borrowers defense and some lucky individuals are getting their private loans discharged and some even refunded because they were tricked into going to school which has happened to me. I would like my payments to Navient and Sallie Mae before that refunded to me because this falls into the same scam schools.
Product: Credit card or prepaid card

XX/XX/XXXX I used to charge my Best Buy to purchase things. As of XX/XX/XXXX ( estimate date ), my true balance without interests was nearly {$4000.00}. I got the billing statement from Best Buy that dated on XX/XX/XXXX that my additional lump sum of interest was {$2100.00}. 

I called them last week to express my concern about the lump sum interest that is additional to my balance that I disagree. I do not mind paying the interests based on the principal that I purchased. They basically said that it was part of the contract per interest free for a term ( I think it is up to 18 or 24 months ). 
I hope I can attach those documents as summary : Page 1 - Show the lump sum of interest Page 2 - Show that I did pay some interest Page 3 to 5 - show that there was no interests. 

If you have more questions, here is my email address - XXXX XXXX, I do not mind paying interests on the actual principal that I am obligated to pay. By the way, I paid my payment on time. 

Hope that makes sense. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I began paying back my federal student loans with the USDE in XX/XX/XXXX with a Standard repayment plan. I began working for the XXXX XXXX XXXX, or XXXX XXXX, in XX/XX/XXXX. I believed based on the requirements of the Public Loan Forgiveness Program that I was eligible for this program. I was always on time and had not missed a payment and would have 10 years of XXXX XXXX by XX/XX/XXXX and had been told my repayment was Standard on all of my loan documents and website. I applied to get certified for the loan forgiveness in XX/XX/XXXX but XXXX  XXXX, who took over for USDE, told me that my repayment plan was not eligible because it was a " Standard Extended '' plan and not just a Standard plan even though there was no mention of a different payment plan than just " Standard '' on all of my loan information provided by USDE and XXXX. So, without having this information I went years believing that I had everything in order to get this forgiveness to find out that I did not. Also, I was paying a high interest rate the entire time thinking it would be worth it in the end. Instead it ended up costing me a lot of extra money in interest that I could have avoided have I been given the correct information by the loan servicer. Since they denied the certification of my student loan payments I immediately refinanced the debt in XX/XX/XXXX with a private bank, XXXX, that refinanced student loan debt and reduced my interest rate by 2 %. It will be another 10 years for me to pay the student debt off. So, I will have been paying on my student loans for 23 years. The failure of USDE and XXXX to properly label my repayment plan cost me a lot of money in interest as well as the benefit of the loan forgiveness program that I believe I was entitled to based on their requirements. I am beyond angry with them and would like to take part in any class action lawsuit against them for monetary damages from their negligence in their handling of the PSLF program.
Product: Checking or savings account

The accounts online transactions postings are grossly innacurate the same transaction is listed multiple times while the arithmetic for the running balance is not following simple math operations. The balance availability is also changing without rhyme or reason making it difficult to determine if there are funds sufficient to clear pending charges.
Product: Debt collection

To Whom it May Concern : After viewing a copy of my credit report I noticed three collection accounts placed on my credit report from you this in 2017 with the same account number # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.