23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and TransUnion are classified as consumer reporting agencies, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. Also, pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly 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 yearsXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) is reporting these items ( EXHIBIT A ) without my consent and in violation of their own privacy policy. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, XXXX, XXXX and TRANSUNION are in violation of this. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you verbal/nonverbal/written/ and/or otherwise expressed. I am now rescinding the authorization per 15 U.S. Code 6802 and 12 CFR 1016.7 effective immediately and indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

IQ DATA INTERNATIONAL INC/ [ collection company ] /XXXX XXXX [ 7k plus ] : Credit Bureaus : XXXX XXXX I've removed this from my credit, on 2 Separate occasions, with lawyers working on my behalf. I have supporting documents, Which proves the 'JUDGE ', indicated the debt is false. THEIR 'LAWYERS ' WERE PRESENT AND AGREED TO THESE TERMS! 
[ The document signed and initialed XXXX dollars ' owed ] This have prevented me, from providing my family with Shelter. Please help me with this occurring FALSE Debt.
Product: Credit reporting or other personal consumer reports

U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX The above accounts are reporting on my experian consumer report illegally without my consent and violating the Family Educational Rights and Privacy Act. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). These accounts are also in violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ). This law states that " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. '' I have not given the U.S. DEPARTMENT OF EDUCATION my written consent nor have i given XXXX my written consent to report this information. Therefore I demand that the above accounts be deleted due to the fact that they are illegally reporting.
Product: Debt collection

XXXX XXXXXXXX and XXXX XXXX XXXX is sending me to collections for an error they made. They ( their admissions department ) and their receptionists claimed my insurance would be covering me in error and then one day when I show up for an appointment Im told they never accepted my insurance and I owe them XXXX dollars. I have no money and a XXXX wife and they constantly harass me over their mistake.
Product: Credit reporting or other personal consumer reports

I don't know how many letters have I sent your bureau to inform you I was a victim of identity theft because my concerns have not been totally resolved yet. Here I am again, disputing the fraudulent information that are damaging my file. Despite sending you the required FTC complaint, your bureau is still reporting the fraudulent accounts on my credit report. Let me tell you that I have contact the banks associated with these accounts, submitted to them the required documents and immediately deleted the accounts on their records. Additionally, other credit bureaus have already removed the accounts from their records following the submission of the the FTC. So now, I am Inquisitive of what kind of verification method your bureau did to continue reporting those fraudulent accounts. The accounts I want to removed are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this account at least XXXX in the last 3 years because the are reporting inconsistent incomplete inaccurate information on my credit reports.the account number, the balance, payment history, date of last activity, almost every aspect of this account is reporting inconsistent information.NAVY Federal credit union acount XXXX is violating my federally protected rights. according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.this account is violating 15usc1681 and i demand to delete/remove immediately.after XXXX times of disputing they finally deleted the account from my XXXX  report but is still reporting to XXXX  and XXXX inconsistent and inaccurate information.they have repeatedly reported a charge off and that manipulates the statue of limitations.i want {$1000.00} per violation and the account deleted from my XXXX  and XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data and personal information was compromised and I noticed that from analyzing my credit report.This took place since 2020 when I let XXXX, Equifax and XXXX. Know that there was fraudulent and inaccurate accounts and info on my credit report. I'm not sure if the cause was from me losing my wallet on a construction site at the time when I were at work or it could of been from a data breach from Equifax which I was a victim of according to the link Equifax have to fill out your info if you may be a victim of identity theft and your data was breached and I were a victim but this took place before the data breach and from my understanding my info was leaked on deep web.
Product: Checking or savings account

I have multiple unauthorized ATM transactions on my Wells Fargo account. I tried to contact them through relay but the call never went through. I had to file each transaction as a separate claim online. This type of fraudulent transaction can not actually be disputed online so I had to choose a different reason for the dispute and then explain in the notes that these transactions were actually fraudulent. Again, I did it this way because I could not get through to them on the phone. 

I finally did get through today and they said theyre denying some of my claims because the physical card was used. Also, because the chip was used that goes with card! Yeah, the chip usually accompanies the card geniuses. I explained in my dispute that my card was stolen. So anyway, they approved two claims, gave me temporary credit on another, and denied the rest. How can they approve 2 claims and deny seven others when they are all the same string of fraudulent transactions??? That tells me that they didnt do the proper research on these claims. They need to look at these again. Someone ripped me off and Wells Fargo is letting them do it!
Product: Checking or savings account

When I got home I noticed several bank transaction alerts that were too high for my usual activities. When I logged in I noticed that I was in overdraft, and that the transactions were occurring from another state.
Product: Credit card or prepaid card

State Farm Bank refused to provide documentation and proof that this account belongs to me. I am requesting for State Farm Bank to remove and delete this account immediately from my credit report within four days.

I did not open an account with State Farm Bank.
Product: Checking or savings account

Chase closed my account and there is XXXX dollars on it MY PAYCHECK WAS ON IT!
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous requests, XXXX XXXX XXXX, XXXX, IL XXXX Should be the only address on my credit profile. Delete all other addresses IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my duties regarding inaccuracies in my credit report. Despite my submission, XXXX consistently respond within 24 hours stating the account is accurate without providing any evidence of a thorough investigation This practice violates the fair credit Reporting Act ( FCRA ) ,15 U.S.C. 1681i, Which mandate a reasonable investigation of dispute. Furthermore, XXXX actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation
Product: Vehicle loan or lease

In XXXX of XXXX Capital One Auto Finance company contacted me about a vehicle that I purchased in XX/XX/XXXX. Capital One Auto Finance was the financing company for a 6 year lease, In XXXX I fell behind on my car payment as a result of unforeseen health related implications. I contacted Capital One Auto Finance in XXXX and entered a settlement offer of {$3100.00}, the terms agreed upon was to pay {$450.00} for six months with XX/XX/XXXX being the final payment. All payments were made on time by a debit card to Capital One as agreed. On XX/XX/XXXX I received a notification via text stating that the car was repossessed. I contacted this company and spoke with a representative name XXXX that transferred me to the reinstatement department where I spoke with XXXX, XXXX XXXX XXXX stated that my car was in the shop for repairs and the owner contacted Capital One and stated that I had an unpaid balance for repairs and urged them to come and get the automobile. There was a payment made on XX/XX/XXXX of the XXXX with XXXX, ID XXXX XXXX code XXXX. XXXX failed to inform me that XXXX 's Garage the repair shop notified the XXXX company that they were in possession of the car. I was not informed of the notification or the balance by either parties and XXXX mentioned that Capital One was initially contacted on XX/XX/XXXX. XXXX repossessed the car on XX/XX/XXXX and stated that I had to pay a balance of {$14000.00} which includes the past due balance of {$9000.00}, {$3600.00} for the repairs, {$290.00} for the repossession fee. I questioned XXXX about the outlandish balance and asked about the existing settlement that I was in good standing on and he said that didn't matter. My last payment would have been on XX/XX/XXXX. My problem is that I kept the arrangement by making the payments on time, I had one payment left of 452.50 and would have owned the vehicle. Capital One Auto Finance was unwilling to acknowledge or honor the settlement terms. Unfortunately, due to the economic hardships related to the effects of COVID 19 I am currently unable to make a payment of almost {$15000.00}. XXXX 's garage was closed for months also because of the effects of COVID 19. The settlement should still remain as agreed as payments were made. It is unfair that this company is able to recant on an settlement that was legally binding. XXXX transferred to the escalations department where I spoke with XXXX, XXXX XXXX  and he stated that COAF repossessed the vehicle because they did not want to chance a lien. I asked why wasn't I notified of the changes and given the opportunity to resolve the balance before the car was repossessed and I received no answer. This is unethical and a rip off! Just because the country has opened back up doesn't mean that I have the means to pay high balances! This is a get rich quick scheme by a Fortune 500 company and no one is trying to help! This company is taking advantage of their consumers and should not be able to assess these outrages fees because they can! I am helpless with my bad up against the wall!
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

Credence Resource Management is contacting me daily and reporting on my credit report negative information and incorrect balance
Product: Student loan

I had made calls in 2007 regarding the Public Service Loan Forgiveness program. I am a XXXX   with the XXXX XXXX XXXX  XXXX and have been working there for 18 years. I have dealt with Sallie Mae, Navient, XXXX XXXX and XXXX throughout the years. I was assured that I was in the right repayment program and that I did not need to complete or collect any paperwork until I reached my 120th payment mark. When I applied for forgivess after 120 payments, I was told that I had no qualifying payments. I had been given incorrect information by the different services throughout the years. I have been reading that many others have experienced this as well. Do I have any recourse?
Product: Mortgage

I am the successor in interest of a residential property, where wells fargo holds the FHA mortgage, after the death of my grandmother. 

In speaking with the Wells Fargo Life Events team and the Assumption department. I have tried to discuss CFPB Interpretive rule regarding XXXX Application of Regulation Zs Ability-to-Repay Rule to Certain Situations Involving Successors-in-Interest '. 

I have been on multiple recorded phone calls with wells fargo assumption representatives where they've told me that : 1. they have no idea what rule im talking about.

2. that the rule doesnt apply, but can't tell me why it doesnt apply.

3. they tell me that a manager will call me back and then never does. 

If you listen to the multiple recorded phone calls with the representatives over the past 7 months trying to get this completed, it almost becomes clear that they push the 're-apply ' as the only option and the next words out of their mouth are " it'll cost about XXXX ''.
Product: Credit reporting

Am Filing this complaint because XXXX has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You
Product: Credit reporting or other personal consumer reports

I contacted XXXX, Equifax XXXX, XXXX XX/XX/2023 regarding the inaccuracies on my credit profile. Wrong Names Wrong Addresses are reporting on my credit profile. however no action was taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX I provide proof of my current address and they still have all the old addresses listed. 

I also asked for all negative impacted information remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all XXXX of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report. I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code. PLEASE BLOCK ALL THE ACCOUNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTS ARE NOT MINE. THEY ARE A RESULT OF IDENTITY THEFT. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THIS FTC REPORT HAVE TO VALIDATE THE DEBT AS BEING MINE AND VALID. PLEASE REMOVE THE FOLLOWING NAMES ADDRESSES, PHONE NUMBERS, EMPLOYERS, SOCIAL SECURITY NUMBERS AND ANY OTHER VARIATIONS YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT. REFER TO ATTACHMENT XXXX. MY LEGAL NAME IS XXXX XXXX XXXX PLEASE REMOVE THE FOLLWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESSES YOU HAVE ON FILE FOR 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHER PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MY SOCIAL SECURITY NUMBER IS- XXXX  PLEASE REMOVE THE ALL OTHER SOCIAL SECURITY NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE REMOVE THE FOLLWING EMPLOYERS AND ANY OTHER EMPLOYERS YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Due to financial setbacks following the recession, we worked with the bank to modify our mortgage in XXXX. It was our understanding that both the first and second mortgages were included as part of the modification, as both notes were held by the same bank. Since then, every payment has been made in full and on time. 

We've received no communication, written or otherwise, suggesting there was an unpaid debt owed. In XXXX we started receiving statements from Statebridge with no explanation as to where this debt originated. We assumed it was some kind of a scam. In XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX as Trustee For XXXX XXXX filed for foreclosure on behalf of Statebridge. 

In addition to the XXXX in legal fees that we've paid for our defense, XXXX/Statebridge legal fees have more than doubled the original debt collection. A Motion to XXXX XXXX on our behalf is scheduled for XX/XX/XXXX, and a Trial is scheduled for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file as I am a victim of a data breach. The accounts and inquiries listed below were made without my authorization. Under my rights pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed from my credit report.

Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XX/XX/2021 USCB AMERICA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. CA XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX To whom it may concern USCB AMERICA Has failed to respond to my debt validation request. 
They are in violation of FDCPA laws by not contacting me through mail per my request. 

They have been harassing me plus they have recently put an inaccurate non validated debt on my credit report that I was never aware of. 

I have filed a complaint with the consumer financial protection bureau as well as the XXXX XXXX XXXX.I have contacted my lawyers they will also be sending you letters to take this matter to court because they are violating HIPAA law I have contacted USCB America and it has been 30 days. I have contacted this agency on 3 occasions and I have not received anything in the mail to validate this debt. 



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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.