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

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX  ( XXXX  XXXX  XXXX XXXX . Acct # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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. 

Also they aren't even in compliance with metro 2 credit reporting or the consumer laws that's been put in place. I have evidence to prove my case.
Product: Payday loan, title loan, personal loan, or advance loan

Wilshire credit 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  As medation was Monday XX/XX/XXXX I will incur unrecoverable damages and request assistance to further assist. Wilshire credit in conjunction with XXXX XXXX are making illegal title loans in the state of Florida. I am begging for assistance! I will attach my lawyers filing but as I was advised that the case is most likely going to be dropped and I will lose my vehicle! I am being charged 131 % intrest on a XXXX XXXX loan. I am begging for assistance
Product: Credit card or prepaid card

On XX/XX/2022, XXXX, a subsidiary of Goldman Sachs, and the issuer of the XXXX Credit Card, allowed someone to submit an application and received approval for a Credit Card in my name, without my authorization. XXXX without my authorization obtained a copy of my personal credit file from, XXXX XXXX XXXX. After discovering the fraud, I contacted XXXX, who then contacted XXXX to confirm if an identity theft against me had been done. XXXX confirmed thru XXXX that the card was issued on a fraudulent basis subsequently removed any record on the account from my personal credit report, including the unauthorized inquiry XXXX made on my report. 

I then contacted XXXX and was told that the account had been restricted, not closed but restricted pending their investigation. I provided them with a police report i filed with my local police department in XXXX, IL. After XXXX weeks, I received an e-mail from XXXX with my XXXX XXXX, with an outstanding balance of {$1900.00}. I then called XXXX and their representative told me the e-mail was sent in error. I asked them how this could happen when I'd been told that the account was restricted, and they responded that they did not know. 

I'm writing to you because I'm concerned with how XXXX is handling this situation in a very cavalier way. I just read that the Federal Reserve Bank is investigation XXXX for lacks security in its consumer finance division and I believe their lack of follow thru when granting credit and or at a minimum verifying consumer financial information/credit applications allowed someone to obtain a credit card in my name.
Product: Credit card

Citi card services has been constantly calling me on a Saturday afternoon ( more than XXXX times daily ), to collect a late payment ( only a XXXX late ). It is not reasonable to call this often, when a single message would be sufficient, especially considering it 's an account in good standing and only this XXXX payment has been late. Number being called from : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times ( including today ) to file a dispute with Equifax about a XXXX account in collections that doesn't belong to me. I have disputed it with XXXX  and XXXX, who have both taken it off their reports. However, Equifax will not allow me to dispute without signing into my account, but it won't allow me to sign in to the account. Instead, I get the message " Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX XXXX XXXX XXXX XXXX ( ET ), Monday to Friday. '' I've tried calling and have never been able to connect with someone due to long hold times and it's during work hours, so I am unable to keep staying on hold all day.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I received an email that my federal student loans were transferred to XXXX from Aidvantage due to my enrollment in PSLF. A few weeks later the Aidvantage loans dropped off my credit report and appeared under XXXX correctly. On XXXX XXXX XXXX I noticed my credit report had my federal student loans now duplicated after being correctly reported initially ; they were showing as if I had loans with both XXXX and Aidvantage. So instead of having {$60000.00} in federal student loans, my credit report is showing I have {$120000.00} in student loans. The day that I noticed this, I submitted an inquiry with Aidvantage, asking why this has happened. Five days later they replied and stated they were aware of the issue and NO OTHER ACTION IS NEEDED ON MY END. There was no timeline provided of when it might be fixed, no explanation for why this happened, or any other elaboration. The generic automated email I received when I submitted the inquiry provided information to submit a formal dispute in writing. I dont understand why I need to mail them my issue when I have already submitted an inquiry with a case number for their credit reporting error. After receiving this email I tried to call them during their business hours. The phone rang/I was on hold for nearly 40 minutes with no human interaction. I could not wait for them any longer so I hung up. I submitted another claim on XX/XX/ asking for more information and an explanation. I stressed that this is negatively impacting borrowers livelihoods. I am in need of a new car. I am not going to get approved for a car note with {$120000.00} of student loan debt on my credit report. Again, another automated response and this time I did not receive any acknowledgment nearly 2 weeks later. I see on a XXXX thread that this has happened to others as well. Why is Aidvantage treating this like a non-issue? Is it really that difficult to correct a credit report? I need this fixed immediately and I need answers yesterday. My intention with this complaint is to bring awareness to this issue. If Aidvantage does not take action from this complaint then I will be disputing the inaccurate reporting through either them or XXXX XXXX. This is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized and fraudulent inquiries made to my report and I believe I am a victim of identity theft and these inquiries have fraudulently been made to my credit and needs to be removed immediately XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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

I have no knowledge or any records of this account on my credit report. 
I disputed this unknown medical account with XXXX XXXX XXXX and have had no valid response. Please advise me as to the name and address of the health care provider, the name of the patient, and the reported date of service, as any account I might have had at one time would be obsolete. Be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. If you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the CFPB for FCRA and FACTA violations, the OCR for HIPAA violations and appropriate State authorities. Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the ARRA, SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX. Additionally Experian is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ). I also reserve the right to include your Bureau in any legal remedies I pursue.
Product: Debt collection

XXXX XXXX XXXX has been posted to my credit for quite some time now. It shows it purchased an account from commenity Bank but I've never heard of that bank or recognize the debt. I've tried resolving it with them but get nowhere. I've requested proof of the debt but get nothing. I've disputed it with credit reporting companies but they just come back verified somehow? I want this removed because it's hurting my credit and it's not mine!!!
Product: Debt collection

Company is claming i owe XXXX dollars for a school loan not paid. 
All the debts were paid to them and dept of edu when money was taken from my tax return. Ive tried several times to fix this with the company, its ruining my credit. 
I never recivied any mail, calls or info about this debt until it appeared on my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX i attempted to purchase a vehicle on Carvana after selecting the vehicle it asked to connect to my bank it verified my account and that i had enough to cover the {$10000.00} down payment. 

Next they asked for proof of income i provided XXXX different bank accounts all in my name ( 6 month of statements was required ), check stubs, XXXX years of tax returns ( my last est filing was an extension I currently work XXXX XXXX jobs all with verifiable income with us based employers i shouldve easily met the income requirement My credit score when they ran the pre credit app was XXXX Within XXXX sec i was denied for no reason stating fraud I was immediately shocked it gave a dispute email so i used the email think the human review would help I reattached my most recent pay stubs and the corresponding bank they were deposited in showing how they were related ( the statements say employer name and direct deposit so it is not hard to follow no explanation needed ) I received an immediate no. And a reply they were deeming me fraudulent with no explanation. 

I also realized despite instantly denying the transaction they still took the funds out of my account in XXXX separate transactions XXXX and XXXX with no date of when i will get them back only that if its longer than XXXX weeks call my bank. 

The funds should not have been touched as they knew they were considered a vehicle purchase now i have no down payment the bank has no record of a refund other than a message that doesnt correspond to any actual bank transaction I have neither a car nor a down payment Carvana took lots of my data and never intended to sell me a vehicle it appears this has happened to multiple people. I suspect they may not have actually had the vehicle it was a XXXX XXXX  XXXX  with less than XXXX miles
Product: Mortgage

Navy federal credit union will not allow me to remove or alter the autopay that draws from an account I was forced to empty due to them continuing to allow unauthorized withdrawals from it. It is currently - {$200.00}, the refuse to close it or address any of the fraudulent charges that I have been complaining about for over a year now. Every month, it accrues further returned check and overdraft fees, that they appear to have no interest in addressing.
Product: Debt collection

I have reported this company through XXXX, XXXX I have sent several request to remove this debt for inaccurate information. They keep updating information on my report instead of removing it or providing me with a debt of validation as i requested. They removed it from my XXXX report but keep updating the XXXX and XXXX. I have no clue who this company is and I need them to remove it from my file. I have never received and emails or mail from this company or phone calls at any time.
Product: Debt collection

Hello. 

I received a collections letter from MRS BPO , LLC. regarding a {$840.00} debt owed to XXXX. I contacted XXXX resolutions team in addition to their collections team and this debt is unbeknownst to them. In addition I do not have a XXXX XXXX account. I explained this to MRS representative and she stated that I can call back in 2 weeks to see if XXXX has dismissed the account/bill. I became suspicious when she stated she could not provide me the telephone number or the any other demographic information that a collections agency should possess if they are legitimate in handling a legitimate account. In addition I never received delinquent pay notices or final notices from XXXX XXXX prior to account submittal to this so called collection agency. 

Here is the info : MRS BPO , LLC : XXXX XXXX XXXX, XXXX XXXX NJ, XXXX. 

This company is listed online for reviews as a scam. Shame on you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated multiple disputes with NELNET for incorrectly reported late payments on the NELNET Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my XXXX, XXXX XXXX & XXXX credit reports. XXXX, XXXX XXXX & XXXX  should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to NELNET, XXXX, XXXX XXXX & XXXX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The NELNET account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX XXXX XXXX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has a negative account reporting on my credit report, per the XXXX XXXX XXXX XXXX is NOT authorized to report or collect within the boundaries of my state of TEXAS. Please see the attached document from the XXXX website confirming XXXX XXXX XXXX is not licensed in Texas. I have sent XXXX XXXX XXXX numerous letters requesting debt validation and they just like Experian have failed to verify the method of verification of all disputes as requested. Experian nor XXXX XXXX XXXX can validate the debt. Experian is in violation of 15 USC 1681i ( 6 ) ( b ) ( iii ) and 15 USC 1681i ( 7 ) not providing the method of verification is a willful neglect of non-compliance of 15 USC 1681N. Since neither company Experian nor XXXX XXXX XXXX can provide the information request this is causing credit defamation by reporting false unverified information and proves both companies have failed to perform their due diligence to ensure they or reporting accurate information. Had the proper research been done Experian would have known XXXX XXXX XXXX is not authorized in the state of TX to collect or report a debt.
Product: Credit card or prepaid card

I have a Citibank card that I have not used since 2017. Several fraudulent charges appeared on my statement ; I immediately informed Citibank. I waited for excessively long period of time. I disputed the fraudulent charges on my card. I have absolutely no knowledge of the transaction. I believe Citibank is negligent : 1 ) failure to provide adequate fraud protection and fraud prevention services ; 2 ) failure to adequately investigate the disputes, which if investigated, would should show that the charge is clearly fraudulent ; 3 ) sending a replacement Card to an address that I specifically told them they should not send the replacement card ; 4 ) failure to remove charges that were indicated as fraudulent ( by phone ) ; 5 ) impossibility due to Citibank 's website design to report that specific charges are fraudulent. 

These are clearly not issues restricted to a single customer, and most likely reflect a pattern of inappropriate behavior. 

Citibank has also hid behind the Covid 19 crisis ( in effect since late XXXX ) as an excuse not to provide adequate customer service. Credit Card companies faced an increase in customer call volume in the immediate aftermath of the travel bans put in place due to refund requests for travel charges ; travel is at historic lows. There is no longer an excuse ; and further, Citibank has had the opportunity to adapt to the current situation. Note that their billing has not been delayed due to the crisis.
Product: Debt collection

Two days ago I get an alert that there was a change in my report. I looked on an seen that Enhanced Recovery flagged my report, as I 'm unaware of this company and have never had any contract with this company so the negative report was alarming. No communication or letter was every sent nor attempt to be mailed to me, which I would request debt Validation immediately.
Product: Debt collection

I have a company my name of XXXX XXXX XXXX attempting to collect a debt I do not owe. I have attempted to resolve this issue with debt collector but company refuse to provide any type of evidence that this debt belongs to me. Only thing company has done is send statement in mail but has not provide me with any proof
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/XXXX bank of america placed a block/freeze on my checking account and did not notify me of this act. on XX/XX/XXXX i wrote a bank of america check to be deposited at my local bank. the check amt was {$1200.00} and was covered by the sum in my b of a account. my local bank deposited the check. on XX/XX/XXXX my local bank XXXX fined me {$12.00} for the bank of america check that bounced due to the freeze which i was unaware of. as i understand it bank of america is legally required by law to notify customers of any changes in their accounts. bank of america has my address, email, and telephone number and could easily have called me on XX/XX/XXXX but never notified me at all
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX cards 2 of them are not reporting the correct balances. I owe a lot less than what is being reported.
Product: Mortgage

I applied for a refinance in late XX/XX/XXXX. Loan docs were signed XX/XX/XXXX. My first house payment was not due until XX/XX/XXXX. In XX/XX/XXXX I did not receive any payment notification stub. I received a voice message XX/XX/XXXX regarding my mortgage and to call the lender, which I did, on XX/XX/XXXX, to find out that I was speaking with a new mortgage company, XXXX XXXX, and my loan was sold XX/XX/XXXX. Because of late notice my first house payment due XX/XX/XXXX was waived and first payment would be XX/XX/XXXX. I received a letter from Commerce Home Mortgage, first mortgage lender that sold my loan, stating I owed {$7900.00}. I contacted the mortgage person, who helped me get my current refinance, on XXXXHe then texted that after speaking with the first mortgage lender that I need to pay the first payment of {$2600.00} that was due in XXXX. All this texting and documentation occurred XX/XX/XXXX and I was told that to wait until further word from the first mortgage lender. Today XX/XX/XXXX I received word to pay up the first month. The loan officer for Commerce Home Mortgage, XXXX XXXX, wanted overnight delivery ASAP. Because I want the harassment to stop I stated I would send out the payment on XXXX/XXXX/XXXX in the afternoon. 
I am being harassed for miscommunication between my first mortgage lender and my current mortgage lender. To rectify their mistake Commerce Home Mortgage is taking their mistake out on me. The only notification I ever received from them prior to the harassment was a letter of my loan being sold and that was dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Product: Debt collection

It came to my attention that XXXX reported that I owe them an account # XXXX in my credit report. XXXX has previously settled with me out of court and paid me an amount of {$500.00} for FDCPA violation and agreed to remove any error and inaccurate accounts reported in my consumer credit report agencies.