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

In Accordance with the fair credit Act. The list of accounts below has VIOLATED my federally protected consumer rights to PRIVACY and CONFIDENTIALITY under 15 USC 1681. 

( XXXX ) XXXX XXXX Account # XXXX, Has Violated my rights ( XXXX ) XXXX XXXX Account # XXXX, Has Violated my rights ( XXXX ) XXXX XXXX XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 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 instruction 15 U.S.C 1681c ( a ) ( 5 ) 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.

15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

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: Student loan

Back in XXXX of this year, I applied for the new SAVE Plan. Nelnet emailed me XX/XX/XXXX saying they needed 7 years of income statements (? ) to enroll. I didn't think this was right, so I contacted them through email soon after asking why this was since literally no one I knew, and no one on message boards was having to provide this info. On XX/XX/XXXX, they wrote me back and didn't tell me anything ; just copied and pasted the same email they sent me before. 

So I tried looking for tax documents and couldn't find them and called on XXXX, was on hold for XXXX hour XXXX mins and XXXX seconds. I hung up. tried again on XX/XX/XXXX and after XXXX hours I got through. The lady couldn't answer my question, but got someone that could, and gave some weird excuse, but gave me options of what paperwork I could upload. A XXXX hour XXXX min and XXXX second phone call, 89 % of it on hold. 

So I uploaded my documents on XX/XX/XXXX. I emailed them on the XX/XX/XXXX for a status update since there was nothing on the website about where my application was in the process, and I just got an automated, 'sorry, we're too busy to help you, we're overwhelmed, ' email today, lol. They approved my application, BUT FOR THE WRONG PAYMENT PLAN. To be honest, I don't even know what I'm on now, but I know it isn't the SAVE Plan because my payment isn't supposed to be {$150.00} a month. Like, I just can't with these people. I can't be on hold for hours anymore, I can't deal with their incompetence, I don't even know how/why I'm on a plan I didn't even put an application in for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX PERSONAL INFORMATION UPDATE REQUEST To Whom It May Concern : I recently obtained a copy of my consumer report and noticed that you are reporting inaccurate information in my personal information section. To diminish speculation mu information is as follows : My Full Legal Name : XXXX XXXX  XXXX XXXX Please DELETE all other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. 
My Address : XXXX XXXX XXXX XXXX, NJ XXXX Please DELETE addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

DELETE ANY and ALL other phone numbers. 

I DEMAND my social security number and date of birth be removed from being displayed on the consumer file for privacy reasons. 

DELETE all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated consumer report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Sincerely, BY : XXXX XXXX, XXXX XXXX/Agent FOR : XXXX XXXX  XXXX XXXXPrincipal WITHOUT RECOURSE Enclosed : copy of State ID and Insurance bill showing proof of address
Product: Student loan

I went to XXXX XXXX University. I see that they have a lawsuit for issuing degrees to people who did not meet academic requirements. They gave me misleading information and didnt assist with job placement. I am in debt behind this university. Please investigate. 
https : XXXX
Product: Debt collection

Berlin Wheeler XXXX XXXX is lying about {$700.00} on my credit file. This isnt my debt and they will not remove it. They will not send me proof on why they believe I owe this debt. I they are also lying that they are the order debtor. How can that be if they are a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian need to remove my Bk off my credit report
Product: Checking or savings account

I reached out to Bank of America on XX/XX/XXXX at XXXX XXXX  and spoke to a representative from Arkansas, I told him that I opened an account back in XX/XX/XXXX and the reason for opening an account was because it was advertised that there would be a {$200.00} credit on my account, if I were to spend {$1000.00} within 90 days ( according to the fine print ). I realized I never received it, after looking into my account and I spent that amount way before the 90 days, but it was not credited to my account. 
The representative mentioned to me that he couldn't apply that promotion because it was too late. I told him that promotion should be honored and that it was not my fault that it was not credited to my account. I asked to speak with a manager and his manager ( XXXX ) would not speak with me and would tell the representative what to say to avoid talking to me. I asked to speak with the manager twice and the representative made excuses for him. VERY UNPROFESSIONAL!! If this is not honored to my account. I will be escalating this matter to court. This is False advertisement and very misleading and Now I'm wondering how many people this has happened too??
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed some hard inquiries on my account that I did not apply for or give nobody permission or authorize anyone to do I have never apply for A JPMCB card Service or know what that is and its on my credit report as a heart inquiry
Product: Credit reporting or other personal consumer reports

Im not liable for this debt with XXXX University. 

This student loan was charged off in XXXX and was previously removed from my credit in XXXX Under FCRA, 15 U.S. Code 1679c - Disclosures, The credit bureau must remove accurate, negative information from your report only if it is over 7 years old This was never paid and was charged off in XXXX making it 14 YEARS AGO- DOUBLE THE ALLOWABLE TIME. 
XXXX has also reaged this debt- re-aging is an illegal act due to FCRA Section XXXX ( XXXX ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 


Further XXXX intentionally accepted funds in error for the Federal governed, through nelnet, of a canceled consolidation, which also reaged the date of delinquency and increasing the number of late payments on my credit. 

The debt was also assigned to the federal governed, thus doubling my student loan debt.
Product: Credit reporting or other personal consumer reports

I have been victimized in the XXXX XXXX data breach. I have been left ruined. I've requested that experian honored their XXXX XXXX dollar identity theft protection pledge. 

The other issue is the fact someone with a similar name was convicted of a felony common law robbery charge and assault on a female. Along with other violations. His name is as follows XXXX XXXX This individual is not myself nor a alias of mine what so ever. I rarely wae in XXXX XXXX NC, if at all for years on end. As is common serving for the military. It's not me I was gone during this time period he was convicted. I want it stricken permanently from my background report. Along with all other charges received in XXXX XXXX following the date of his conviction. I keep getting arrested because they say its me and my alias. This is false information and I want it off my record please
Product: Credit reporting or other personal consumer reports

This morning, I noticed errors on my credit report, and I have no clue why. I check my credit report regularly, but this time there were unexpected inaccuracies. Refreshing my browser didn't fix it ; the wrong accounts stayed. Because of this, I am requesting a detailed review of the documents I've sent to prevent future concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is affecting my credit. They have false / erroneous items on my account .... These erroneous items are affecting me tremendously. I have called to have the information removed these false late payments are dragging my credit score down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I disputed inaccurate information on my Experian credit report twice in XX/XX/XXXX  and  XX/XX/XXXX . It was about unauthorized hard inquiries. I asked Experian to provide a verifiable proof I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of them via FCRA section 623. I asked them if they have no proof of any or one, I would like these inquiries to be removed immediately. I received the results from Experian and they didnt provide me with such proof and kept reporting those hard inquiries as inaccurate information. According to FCRA the following hard inquiries should be removed immediately : Creditor Name :   XXXX   XXXX   Date : XX/XX/XXXX  Creditor Name :   XXXX   XXXX   Date :  XX/XX/XXXX Creditor Name :   XXXX   XXXX   XXXX   Date :  XX/XX/XXXX  Thank you
Product: Mortgage

Sometime ago I completed a loss mitigation package to Freedom Mortgage. During the process Freedom Mortgage continues to delay decisioning my package and continues to request more paperwork ( some which isn't required per their policy. ) I have spoken to several agents on multiple occasions ( Agent ID XXXX, Agent ID XXXX ) and unfortunately there is a knowledge and/or communication gap within the process. As of today, I still have not received a decision.
Product: Credit reporting or other personal consumer reports

I, XXXX, the consumer, have identified information in my Equifax consumer credit report resulting from identity theft. These items are not related to any consumer transaction completed by me, the consumer, nor initiated by me. This inaccurate information has been disseminated to over XXXX companies and other XXXX party users without my written permission, enabling identity theft, unauthorized & impermissible access & credit inquiries and use of my consumers private financial information as it is false, inaccurate, erroneous, and misleading information. Block delete and remove immediately as I have been damaged and denied consumer credit due to this.

There are name variations, false addresses, and false telephone numbers. Equifax must uphold their duty to report true and accurate information about the consumer by the Fair Reporting Act
Product: Debt collection

On Saturday, XX/XX/2022 at XXXX a.m. I received a call from XXXX XXXX # XXXX an agent from Portfolio Recovery XXXX. During the call XXXX XXXX stated that this is another of several attempts to collect a debt. Then XXXX XXXX proceeded to violate 15 U.S.C. 1692 ( b ) ( 2 ), 15 U.S.C. 1692 ( d ) ( 1 ), ( 2 ), ( 5 ), 15 U.S.C. 1692 ( e ) ( 10 ) and 18 U.S.C. 894. I called back to express to her manager XXXX XXXX XXXX # XXXX, that his empolyee violated my rights as a consumer and he states that the alleged debt had not been validated and disconnected the call.
Product: Checking or savings account

In XX/XX/XXXX, I opened to XXXX months CDs with Marcus by Goldman Sachs. So every month I got an email stating I can look at my account and see how much interest. On XX/XX/XXXX very early XXXX I logged into my account to review my CD status only to find a message stating that I had no active Marcus accounts. This was surprising as I had received no prior notification of account closure or changes. 
So the next day, XX/XX/XXXX I contacted Marcus through their message chat system online. I was informed that my CDs had matured on XX/XX/XXXX and had been automatically rolled over into a new 18 month CD with a interest rate of XXXX %. At no point was I notified that my CD was about to mature or that an automatic rollover would occur. Additionally, I received the monthly email from Marcus on XX/XX/XXXX stating that I could view my accounts online like I get every month but with no mention of the impending CDs expiration. 
I informed Marcus that he did not authorize the rollover and that I was within my rights to find a higher interest alternative. Marcus refused to reverse the rollover without charging an early withdrawal fee, even though I was not notified about the rollover in a timely manner and I would never consent to automatic rollovers to any of my accounts ever because interest rates change constantly. 
Additionally when I was on the message chatting with them I checked out my account which still said I do not have any active accounts with Marcus and I questioned that. 
I ended the conversation with I'm going to report them to the FDIC if they can not reverse this. Once I hung up I wanted to reread that email from XX/XX/XXXX but ironically there was another email sent on XX/XX/XXXX which I did not see until now stating " let 's celebrate your CD renewal and telling me that my CD has renewed and here are the details for the CD. So they sent that email, but they did not send me one stating on XX/XX/XXXX or around that time before the expiration that my CD is about to expire and I need to do something or it will be automatically rolled over. The Marcus chat person told me I had XXXX days but they told me this with my chat and not before.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Equifax to verify the disputed account and remove it if unable to prove that the account is mine. Equifax is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts.I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

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

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A copy of my credit report I received from Equifax and seen items that was not mine and circle them reporting that they was inaccurate. That is causing a adverse impact on my livelihood. They are reporting inaccurate outdated information address names accounts. 

XXXX. XXXX XXXX ACCOUNT # XXXX XXXX. XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, Sent Equifax on all about XX/XX/2022 notice and a copy of 605B of the Fair Credit Reporting Act. Affidavit of Residence Affidavit of Identity Theft. And Equifax failed to do their job!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally writing this letter of complaint to you in regard to Transunion Credit Bureau. 

Transunion has violated FCRA rules and consistently failed to delete several inaccurate, unverifiable, adverse and erroneous accounts that they posted on my credit report. These inaccurate accounts are as follows : ( account # XXXX  ) in the amount of {$570.00} and ( account # XXXX  ) in the amount of {$570.00} Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also will enclose the lettered copies of my communication. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and & Section 611 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a consumer credit report. Ill enclose the copies of several letters ( with certified mailed receipts ) that I sent to Transunion in request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the adverse the accounts they continue to post on my credit report. I have suffered extensive grief and emotional distress due to Transunions failure to accurately verify these accounts, resulting in my inability to obtain credit. I have also advised Transunion that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

In the absence of such documentation ( an original Consumer Contract ) bearing my signature, I formally request Transunion immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security number. I will litigate if this request is not honored.

Note : This CFPB complaint is solely directed to Transunion Credit Bureau. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on unresolved discrepancies within my credit report. Despite previous communications and a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), these issues remain unaddressed. Immediate attention to these inaccuracies is required as they are causing significant distress and potential financial harm.
Product: Debt collection

XX/XX/23 XXXX answered call from Harris & Harris XXXX -He asked for me using my maiden name and I said yes that is me, but I haven't used my maiden name in 30 years. 
-Caller then proceeded to say they were calling from a debt collection agency. 
-I asked regarding what. He wanted my birthdate to confirm identity, which I refused to give stating I would not provide based upon identity theft concerns. 
-I was able to get the practice and physicians name for the supposed debt and informed him I have never heard of that physician ( XXXX XXXX XXXX XXXX XXXX XXXX and I have never been to a Northwestern Medicine facility. He proceeded to say yes you have because your insurance paid the claim, you haven't paid your part. ( I followed up with a call to my insurance and they did a search, not finding claims from that doctor nor XXXX XXXX. ) -I demanded that he send me a copy of the information so that I can dispute the claim and he said 'we already sent it to you ' and hung up the phone.

I have a legal right to the information since they are accusing me of owing a debt and they are not providing the information so that I may clear my name.
Product: Credit card or prepaid card

XXXXXXXX XXXX XXXX Credit Card through XXXX XXXXl On XX/XX/XXXX, I called XXXX XXXX to initiate a name change request and to report that I had found out my identity had been compromised. I spoke with a customer representative would initiated the name change request and mailed a form to my existing address. She then transferred me to a fraud specialist who said that can put an alert on the account to verify additional information before making changes to the card. There was no mention of never to be able to make changes to my account. I would I received the form to make the name change and mailed it along with the copy of drivers license as requested. 

I then received a letter from XXXX saying that the can not make the name change and to contact customer service. I also tried to log on to make a payment and my online banking had been turned off. 

On XX/XX/XXXX, I called XXXX and spoke with multiple customer service representatives. After an hour long call, the Fraud rep stated that no changes could be made to my personal information due the compromise of my social security number I reported. However, I was free to continue to use the card under my existing name. I asked how that made any sense and what would happen if I was requested to prove identity at a business while using. I asked how I was to receive a statement as my online banking was turned off. I also asked how I would be able to change my address, if I were to move and had a balance as the alert on the account would not allow for any changes. She was kind and apologized but stated there was nothing that could be done because the " higher-ups '' put the restriction on my account. I asked if there was a phone or a way to contact the " higher-ups '' and was told no. 

I have been a customer since XXXX. I was able to provide a correct answer to identity and card verification. I also have used the same cell phone number for the same number of years. I own the home I live at and could provide a deed and other pertinent records to document my name. Also, even with the fraud, my credit was still in good standing with no high balances or late payments ( even on the two fraudulent cards that were reporting as I was able to resolve quickly with those creditors ). I can show that I have been a customer who has made all payments and utilizes the account as needed. 

I also spoke with the XXXX, IL XXXX Illinois XXXX to see if they would be able to submit a request or provide me with more information to see if there was a way around the " alert '' that was placed on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account ending # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have 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