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

In accordance with the fair credit reporting act these creditors XXXX : XXXX XXXX XXXX : Capital one has violated my rights 15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : EXPERIAN : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter Warfield fraudulently added my name to my XXXX XXXX XXXX XXXX account claiming the debt was joint and reported it to the credit bureaus. {$4700.00} I was on a lease with my daughter from XX/XX/XXXX, to end of XX/XX/XXXX. After that time I was removed. My daughter singed a lease with XXXX XXXX XXXX XX/XX/XXXX. The debt comes from unpaid rent in XXXX of XXXX. 

I have copies of the general release by landlord dated XX/XX/XXXX, the lease dated XX/XX/XXXX without my name on it, as well as a letter from the XXXX XXXXXXXX XXXX dated XX/XX/XXXX stating that they did not submit my name to Hunter Warfield. 

I have received over 30 calls in a 3 month time frame, some multiple times in a single day. They started leaving voice mails, with no details, and when I called they wanted personal information. 

Hunter Warfeild illegally obtained an old lease to post this fraudulent debt in my name to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX reinserted a collection account on to my credit report from all state credit bureau. I have investigated this myself in the past and the account was not able to be validate. I even drove out to the address listed on the credit bureau, sent letters an had pictures submitted to the credit bureaus that XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX was closed. I even drove out to the location. Ive contacted the state of Michigan for licensing and the company reporting name is not licensed as that theyre licensed under All state credit bureau inc. Further more according to FCRA law FCRA 611 ( 15 U.S.C. 1681I ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which I received no such letter from either credit bureau. All state credit bureau inc as they are now known and licensed under. At XXXX XXXX XXXX XXXX XXXX XXXX XXXX decides to reinsert this information after being closed down from previous address for how long? Mr XXXX XXXX, XXXX XXXX and XXXX  needs to address this situation. From what Im being told is the account is paid off and terms agreed to by all state credit bureau of the harassing calls they made to my home that a pay for delete was verbally offered by there office. Which of course will be denied on there end.
Product: Checking or savings account

im trying to sync XXXX to my bank account it said to file a report so that i can get access to link the 2 programs
Product: Debt collection

I received a letter in the mail on XX/XX/2022 from a company, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, regarding a debt in the amount of {$2800.00} from Providian Bank CD/Card. It was sent to me in my maiden which I haven't had in15 years. 

In the letter it says it is trying to settle a debt for Providian Bank CD/Card and that this payment is due in their office no later than XX/XX/2022. Failure to do so may result in your account being sent to a 3rd party to continue collection efforts. 

I called the XXXX  in New York and talked to a man and explained to him the situation and he said not to get in touch with the company, to call my Attorney General and report, file a complaint with the XXXX in New York, and to report to the FTC.gov ( Federal Trade Commission ). I am following the XXXX  's advice. 

The situation is I have NEVER done business with Providian Bank CD/Card. I have NEVER been contacted or informed by anyone or business about this NEVER. There is lots of frauds going on, that is why I called the XXXX  to find out how to handle the matter.
Product: Debt collection

Wells fargo and XXXX XXXX both never followed up in the mail only calls after hours and that my credit would be ruined if i dont pay a debt thats not owned by me. I told them and they said they dont care. Im new in this country I would never ruin my relationship in america.  someone took advantage of me and my family. 

wellsfargo rep said we cant understand your language go to school then call us. 

XXXX rep only said we cant help you you must pay or your credit will be ruined and its on you if you get XXXX.
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 XX/XX/2020, 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 conviction 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, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a Chapter XXXX Bankruptcy with Equifax since XX/XX/18 and have sent multiple letters asking for verification and they have changed their sources several times. They in turn have noted on my credit report an address and phone number of a Bankruptcy Court to which I called and was told they never spoke to any representative from Equifax and never would. Exquifax 's last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Equifax 's claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX had applied for a loan with Wells Fargo Bank but changed my mind and canceled the account Wells Fargo said they would close the account but inXX/XX/XXXX I received a letter form Wells Fargo that my credit card application was approved but inXX/XX/XXXX it was to be closed I called Wells Fargo they said they will take care of it I checked my credit report its listed as a open account I called Wells Fargo automated system on XX/XX/XXXX and the account is still open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$780.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$170.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I got a call from a company claiming to be from a private debt collector on behalf of the military. I had XXXX in XX/XX/2010 while still married to my then husband and the military covered the XXXX expenses. 

This company claimed they are called CBE Group, ( and that's how they showed up on the caller id on my phone. They called from this number : XXXX. They said the XXXX expenses were not covered and they need to collect just under XXXX. They had my previous address and my current address, and both were correct. There is no way this debt is owed because I was on my husbands insurance and the costs were all covered.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) TRANSUNION failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Product: Debt collection

I contacted debt collector stating that their company reported a debt to the credit bureaus with false information. Also requested documents bearing my signature, verification from stated creditor that they are authorized to act on their behalf, proof that the company did not purchase the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX FIN XXXX, XXXX  XXXX XXXX and XXXXL XXXX XXXX have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Student loan

This is a follow-up to a complaint previously submitted to the CFPB. This complaint is being submitted simultaneously to the CFPB and to the XXXX XXXX XXXX via XXXX. 

Navient 's response to my complaint is misleading and ignores critical facts, as set forth below. 

I submitted to Navient the request to enroll my new bank account in AutoPay on XX/XX/XXXX ( See Ex. D, attached ), confirmed by Navients XX/XX/XXXX email to me. ( This email serves as confirmation of your request to enroll the loans below in Auto Pay. ) My old bank account had been enrolled continually in AutoPay for more than sixteen years up to that date. Navient had ample time between XX/XX/XXXX, when I submitted this information, and XX/XX/XXXX, to finalize [ ] the enrollment. 

Indeed, as Navients XXXX email to me shows, this was Navients expectation, since that email explicitly stated that the Estimated Start Date for the new AutoPay arrangement was XXXXthe same day as the next payment due date. I reasonably relied on the representations in Navients XXXX XXXX email, and expected that the AutoPay payment would be made from the new account on XX/XX/XXXX. 

Navient says that it was unable to extract my XXXX. XXXX, XXXX payment from my new bank, but gives no excuse why this was so, twenty days after Navient acknowledges I had furnished it with the information necessary for it take the payment. 

Any consequence of Navients unexcused delay in setting up AutoPaya delay Navient never bothered to report to memust fall upon Navient. Put another way, Navients statement that the account must be current is misleading. If the account was not current, it was because of Navients failure to timely set up AutoPay for the new bank when it had been given 20 days to do so. ( My mortgage servicer, to give one example, was able to activate my autopay capability with the same new bank within 24 hours of my request. ) At no time did Navient advise me that there was any difficulty in setting up the new AutoPay arrangements. 

Accordingly, the putative Administrative Forebearance was unlawfully imposed. I do not owe it, nor do I owe any expenses that flow from it. The arguments that Navient makes in its response about capitalizing interest, since they ignore Navients own responsibility for the delay in setting up AutoPay, are irrelevant. 

It also follows from these facts that my account was never past due, as Navient asserts. 

Even if these facts were not dispositive ( they are ), Navient also assured me through its customer service representative, on a recorded line, that my XX/XX/XXXX payment would constitute timely payment for XXXX, and that my monthly payment going forward would be readjusted to the proper {$230.00}. Navients failure to honor this commitment would, on its own, constitute an unlawful unfair, deceptive, or abusive act under Sections 1031 and 1036 of the Dodd-Frank Act. I invite Navient to review the recording, and the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint recently against equifax, i has ask equifax to remove all credit inquiries off my credit report because I did not recognize any of these inquiries they have failed to delete thee off my credit report I took screen shots to show that there still on my report, some of these inquiries are on my equifax credit report twice I will provide a FTC identity theft report and the screen shots these screen shots were taking today XX/XX/2020, I want these removed off my report, I was told by a rep from the Consumer Financial Protection Bureau to feel another complaint since these inquiries was not removed from my report thank you, please have equifax remove these remaining inquiries I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is inaccurately reporting the balance on my XXXX XXXX  personal line of credit. The balance owed should reflect {$770.00}. {$8200.00} is the actual available balance. I have attached the letter I sent EQUIFAX informing them of the error. I've also attached the letter from XXXX XXXX that validates the change that needs to be made to my consumer report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

XX/XX/XXXX To whom it may concern : I need assistance from your agency. 

On my TransUnion credit report, a collection agency by the name of XXXX XXXX XXXX XXXX, has placed a fraudulent {$64.00} medical collection onto my credit file. 

This collector did not verify this debt prior to ruining my name, and credit rating with this debt that is not mine and has never been mine. 

I do not owe this fraudulent debt, and I want it immediately removed from my credit file. 

It started with XXXX about 8 years ago, this collector, along with another collection company, placed medical debts onto my credit files for a deceased person by the name of a XXXX XXXX. 
I have never met, nor known this person, nor is this person any relation to me. 
They have also added addresses to my credit file that I have no knowledge of, nor have I ever lived at. 

They have added an address of, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX, to my credit files. 
I have never lived at this address, nor do I know anyone there. 

I want this fraudulent medical collection that is not mine, nor do I owe, as well as the fraudulent false address information immediately removed from my credit files. 

On top of damaging my credit rating with a debt that isnt mine, this collection agency is breaking Texas statute of limitations law. 

The collector claims that this debt from whomever, became delinquent in XXXX, then they report it onto my credit files in XXXX of XXXX, a 6-year-old medical debt, violating Texas law. 

As previously stated, I want this fraudulent medical collection, as well as the fraudulent address information removed from my credit files with all of the credit bureaus, and I want hard copy written proof that that has been done. 

TransUnion has to do better, they cant allow a consumers credit file to be destroyed by placing false, unverified collections on it. 


cc : Attorney Generals Office cc : The Federal Trade Commission
Product: Credit reporting, credit repair services, or other personal consumer reports

Alleged debt paid to XXXX XXXX XXXX with postal money order and mailed by XXXX   with proof of payment and mailing on XX/XX/XXXX. This debt is reported by XXXX # XXXX ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OHIO XXXX AS OWING SINCE XX/XX/XXXX. The claim for returned check is false since there was no returned check and XXXX XXXX XXXX attempted to withdraw funds from my checking account when I had cancelled my membership with them within 3 days of joining the club. 
I have tried numerous times to call XXXX using the number that XXXX XXXX XXXX provided with no success. I called and complained to XXXX with no success. I finally wrote to XXXX on XX/XX/XXXX with proof of payment since XXXX and they have not responded to me by phone or by mail. XXXX continues to report this false information as ADVERSE ACCOUNTS ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible