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

On XXXX I disputed the completeness and accuracy of a trade line being reported to my credit report. I was requesting account level documentation stating my agreement to do business with Capitol One. I also sent a letter to the Credit reporting agency to remove the incomplete or inaccurate information. Neither company complied to my request. Instead capitol one wanted me to send them supporting documentation for my request.

I requested with a second letter to capitol one to do another investigation and another letter to XXXX and XXXX to reinvestigate the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft Police Report and False impersonation was filed with local police department XX/XX/XXXX For Deceptive Collections Practice False impersonation. All verified and certified original documents sent to all 3 # Credit Agencies. And all 3 # TransUnion, XXXX, XXXX have not complied with the FCRA nor the CFPB.And a result of these agencies neglection to abide by federal law guidelines, I have dealt with denial 's, of bank 's, Home loans, and business credit lines do to the rogue ness of these agencies.Knowledge of these fraudulent Verified Accounts where found XX/XX/XXXX and I personally started to contact all 3 # agencies with my findings and correct information XX/XX/XXXX identity theft Cpbf FCRA and Police reports where certified and express mailed to all 3 # credit agencies neglection. I continued to follow up from XX/XX/XXXX to XX/XX/XXXX with certified mail of cease and desist letters police reports Cpbf reports and identity theft reports. Failed to complied. All documents are certified and copied of all activities with TransUnion, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

We put a XXXX on Vechicle as no lien was associated with the Vechicle concurring it was paid in full as agree but not credit by the creditor at the time.
Product: Student loan

It was made to seem like my income drive recertification application would have to be submitted prior to student loan repayments resuming in XXXX. My initial recertification deadline was XX/XX/2024 on the REPAYE plan. So I submitted an application for the SAVE plan. Then I see on the account that a new payment amount has been applied and the next recertification is XX/XX/2024. However, I then receive information from MOHELA that if my initial recertification was within 6 months of the forbearance ending then it would be pushed out further. Basically, it was not necessary for me to recertify my income and my payment to go up. I then requested that they cancel my recertification application/reverse given this misinformation but they say they can't not do it. I would like them to nullify my recertification application and go back to my old payment of $ XXXX. Also, they stated over the phone that my recertification had been pushed to XX/XX/2024 and not XX/XX/2024 ( so they're telling me different things ). Either way I didn't need to recertify and I would like them to nullify the application.
Product: Debt collection

This Corporation has shared my information with Credit reporting Agencies. This is considered IDENTITY THEFT Pursuant to 16CFR 603.2. I am feeling ashamed, incompetent and ca n't sleep much thinking that this DEBT COLLECTOR has my personal information and has an account with my name and non-public information. According to the GLBA Gramm Leach Bliley Act this is a violation. 
I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I need to make sure that this CORPORATION does not have an open account with my information containing any of my private business. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE but this CORPORATION IS IN BUSINESS COMMERCE AND TRADE. THEY MUST ADHERE TO THE FDCPA Fair Debt Collection Practices Act, and the FCRA, Fair Credit Reporting Act. They also have to CEASE and DESIST because I never asked them for anything, and if they have my information I want it back as soon as possible. If not I will be filing a CRIMIINAL COMPLAINT WITH THE FBI. Where is the Loan Level documentation if any stating it adheres to all State and Federal guidelines of a Loan, for this Consumer. These people are obtaining information from the Credit Reporting Agencies fraudulently and this is definitely Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that  the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Debt collection

A representative from UCB ( united Collections Bureau ) contacted a phone number that has not been provided and claimed that they have attempted to call numerous times while this is the first time this company has called. This number was new and the representative claimed they were calling a New York Company number. 

When asked for the name the of the company for which the person they were looking for worked at the representative mentioned the company that I am currently calling. When asked to name the company she's calling she immediately changed the subject and asked if the person worked at the company she was calling at. When mentioned to the representative that she could be transferred to the Compliance Department who can assist with the situation the representative became defensive and immediately said " No that would be okay, goodbye. ''
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Experian Data Breach and Violation of FCRA Laws Dear Sir/Madam, I am writing to formally lodge a complaint against Experian, XXXX and XXXX for the exposure of my personal credit information in a recent data breach. This breach has caused me significant distress and concern regarding the security of my personal information and the potential for identity theft. 

Experian XXXX XXXX : In XX/XX/XXXX, Experian reported a data breach that exposed the personal information of millions of consumers. The breach included sensitive data such as Social Security numbers, credit card information, and other personal details. 

XXXX XXXX XXXX : In XX/XX/XXXX, XXXX disclosed a data breach that affected over XXXX XXXX consumers. The breach involved unauthorized access to personal information, including names, addresses, Social Security numbers, and financial account details. 

XXXX XXXX XXXX : In XX/XX/XXXX, XXXX reported a data breach that compromised the personal information of millions of consumers. The breach included sensitive data such as Social Security numbers, credit card information, and other personal details. 

As result I believe my credit report reflects, erroneous, inaccurate and potentially fraudulent activity being attributed to my identity. 

15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts : This section mandates that consumer reporting agencies must include a fraud alert in the consumer 's file upon request. It also provides consumers with the right to access free credit reports if a fraud alert is placed.

15 U.S. Code 1681c2 - Blocking of information resulting from identity theft : This section allows consumers to request that consumer reporting agencies block information in their credit reports that resulted from identity theft.

16 CFR Part 681 - Identity Theft Red Flags and Address Discrepancies : This regulation requires financial institutions and creditors to develop and implement written identity theft prevention programs to detect, prevent, and mitigate identity theft I am seeking immediate action from the CFPB to investigate this matter and ensure that Experian complies with all FCRA requirements. Additionally, I request that Experian take all necessary steps to protect my personal information and prevent any further unauthorized access.

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of this issue. 

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

The inquires never gotten erase off my credit report. I contacted the business and they told me that they do not have a application filed in the system of me applying for credit and I need to dispute it with Transunion and I did but they never took them off after they told me they was deleted. These inquires on my credit report and the file was locked. XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Checking or savings account

I have been trying for weeks to have Chase Bank release funds in line with a Florida Court Order to the beneficiaries of my Mom 's estate. I called and visited the bank in person and provided the original Court order but the bank refused to release checks as captured in the Court order. The bank officer that I met with called their legal department when I was there and after a 45 minute hold was advised that the legal department would have to review the court order and that I would be provided with an update in three business days. I have since called and e-mailed the branch but have yet received the courtesy of any reply or update. I do not have access to the account but my cell phone is linked to it so I get text alerts with respect to account activity. Rather than issuing the funds as required by the court order, Chase for some reason made a significant payment from my deceesed Mom 's account on XX/XX/XXXX, I subsequently received a text indicating that the account was overdrawn by {$99.00} XXXX. My mom has been deceased since XX/XX/XXXX and there was definitely no justification for the Medicare payment. The bank has been reckless, incompetent and completely unresponsive. These are difficult economic times and we need to faciliate the release of these funds without further delay.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

XXXX writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Consumer Loan

I would like to file a Severe Complain to Reliant Capital Solutions LLC XXXX OH XXXX for Fraud misrepresentation after notification in writing for improfessional collection activity practice regarding a case XXXX for XXXX XXXX XXXX XXXX XXXX University for the amount of {$19000.00} the Student never attend to Class and CampusWe present the dispute in writing with the support evidence documentation, the company constantly acting with treats phone call with not respectful and adequate language and ethics, they violated all the ruling under collection of the consumer act and license
Product: Debt collection

On XX/XX/XXXX a request for judgment in the amount of {$1100.00} plus costs ( now over {$1400.00} ) was asked on behalf of the XXXX XXXX XXXX from a debt collector through attorneys XXXX, XXXX XXXX XXXX XXXX XXXX acting on behalf of LVNV Funding. I never received notice of this while the Plaintiff tried to reach me via server or certified mail during XX/XX/XXXX because I had moved to XXXX that month. The XXXX XXXX XXXX ordered a notice issued in the XXXX XXXX XXXX. Again, I never read the paper after living in the county and town of XXXX for XXXX years after moving to XXXX in XXXX. A default judgment was awarded to the plaintiff by the court and I only found out about it in XX/XX/XXXX when I received notice I would be garnished in the amount of 25 % of my wages. I contested the garnishment on the basis I was not notified and this was not my debt. On XX/XX/XXXX the judge denied my appeal and the garnishment has continued. I contend that this debt is not mine and I have asked the current attorney, XXXX XXXX XXXX at XXXX, XXXX XXXX XXXX for proper proof that this is my debt. He stated he would have to take some time to do so. In the mean time I have received another letter from XXXX XXXX XXXX XXXX, on behalf of LVNV, for {$3300.00} for another debt that is not mine. I am in the process of asking for proof of this debt. The only negative marks on my credit report are from LVNV and XXXX XXXX, another collection agency related to LVNV. I believe that LVNV is fraudently garnishing my wages and attempting to collect more through illegal and immoral practices. Their license was taken away in Maryland a few years ago and ordered to pay restitution of over {$10.00} XXXX to people they had collected funds from in which they had no right to do so. I am looking for a stop of all collection attempts and garnishments. While the XXXX XXXX XXXX XXXX have followed the law in denying my request for appeal, I believe that this debt must be proven to be mine by the collector before being able to do so. If in criminal court a person is innocent until proven guilty then should n't this also hold true for civil cases? By the way, the only paperwork given to the court by the original attorneys in this case is a blank credit card agreement with no name, social security number, account number, amount, or signature. How can this be used to show that I owe anything to this company?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mishandled my information which has led to an informational breach that puts myself and millions of others at potential risk. I am extremely disappointed with how XXXX has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Payday loan

I took a payday loan for {$400.00} with North Cash on XXXX/XXXX/XXXX. They took the first payment on XXXX/XXXX/XXXX for the amount of {$95.00} and after that, they 've been taking {$55.00} weekly for 10 weeks. I called today XXXX/XXXX/XXXX to ask for a pay off amount and they told me I owe {$430.00} so I asked why if the loan was only {$400.00} and she responded that all the money they been taking out of my account was interest.
Product: Debt collection

I am being harassed by The Office of Credit Management via repeated telephone calls on a daily basis, often several times per day from various telephone numbers. I have requested for them to cease and desist all contact on numerous occasions as the telephone calls are consistent without any caller ID or voicemail message identifying the caller of the company ; unfortunately, they have failed to do so. Please see the following documented call history below. 

XXXX : XXXX at XXXX XXXX at XXXX XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XXXX : XXXX at XXXX XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX
Product: Debt collection

Was contacted by XXXX XXXX XXXX XXXX a short time ago at my job. I told him I can not have personal calls at work. He called again yesterday XX/XX/XXXX in the afternoon and I told him again not to call me at this number. He called again today XX/XX/XXXX at XXXX and I told him for at least the third time not to call here.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau stated the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was reporting accurate and im trying figure how that is possible if the there is not an account # number and the date of last activity is not reporting correctly on all 3 bureaus which is ground for automatic removal.

They also violated my rights under the 15 USC 1681 section 604A section 2. The law clearly states that a consumer reporting agency can not furnish information on my credit report without my written instruction, and they clearly violated my rights.

They also violated my right under 15 USC 1681 section 611 ( 2 ) ( a ). The law clearly states the credit Bureau has 5 days to notify me from the when they receive my disputes they didnt. 

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( i ). The law clearly states that if an item on a credit report cant be verified and its inaccurate it needs to be removed.

All in all the point of the FCRA is make sure consumers rights are not violated and the credit bureaus use an E Oscar system to do disputes which is not what is required from them saying account inaccurate and not doing an investigation and have to send me anything showing how they investigated these accounts. See attachments for the account above show how inaccurate they are and was said to be accurate..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I just received my credit report back from XXXX and Trans Union regarding my personal information and it seems they were able to fix some things but missed a few things I would like to have cleared up, for I would like to have my credit report 100 % correct as per FCRA, for future financing. 

XXXX ) XXXX has my wrong name still under section - " ALSO KNOWN AS '' : XXXX XXXX which is 100 % incorrect, I do not know who this person is and it needs to be deleted off my credit report please. My Correct Name is XXXX XXXX XXXX and should be the only name listed, I have no aliases. 

XXXX ) XXXX has a wrong address which is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I looked it up on the property appraisers site and a " XXXX XXXX '' once lived there but I never have. Please remove this address. 

XXXX ) XXXX has NOTHING under Employment, My Employment is : " XXXX There Do I See My XXXX XXXX " XXXX XXXX Trans Union Still has many wrong names : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ... ..ALL those names are wrong, my name is " XXXX XXXX XXXX XXXX and should be the only name listed, I have no aliases. 


My Correct Information that should only be showing is Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX SS : XXXX Employer : XXXX There Do I See My XXXX XXXX DOB : XXXX Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting TransUnion since  XXXX   XXXX ,   XXXX  . Since  XXXX    XXXX   my  credit score h as been lowering due to closed accounts I never was aware of on my credit reports. My mother added me as an authorized user on accounts without my knowledge, and because our mailing address was the same address. This has hurt my  credit score,  then I was advised to dispute these accounts off my credit report without making me aware that it could effect my score in a negative way even more. Which was the result of the disputes. TransUnion now has lowered my score as if I have no credit history and I called multiple times to understand why my score lowered again, and spoke to  4  different representatives and no one helped my situation.