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

In accordance with the Fair Credit Reporting Act XXXX  accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without written instructions.
Product: Credit reporting or other personal consumer reports

RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingTheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 
XXXXDEBT OF ED XXXXDEBT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX/home advisor is a scam company. I tried signing up and I was met with a fraudulent {$800.00} bill for false leads in only 2 DAYS! I cancelled the membership and blocked them from my bank. It turns out they have been sued by the ftc for this exact fraud. Now they are trying to put me in collections/tried to serve me for money i supposedly owe for fraud. This is not ok and I need help
Product: Debt collection

Credit company called my spouse without my permission and demanded he payed the debt because he was my husband and a man should do that. They were threatening to sue him ( not his debt ) again without my permision and would not let him hang up the phone fear mongering him. They called him numerous times. Did not contact me once!
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

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

I, XXXX XXXX, am a consumer and natural person pursuant to 15 USC 1692a ( 3 ). After the recent investigation with Equifax and becoming a victim of the Equifax Data breach of 2017, this devastating news further confirms that my consumer report has been irresponsibly tampered with. Equifax is responsible for sending incorrect scores and information to lenders and I have continuously been affected by this. Equifax has evidence proving their negligence and noncompliance is a result of the miscalculation and reporting of my credit score and consumer report. Pursuant to 15 USC 1681 ( a ) ( 4 ) Equifax did not exercise their grave responsibilities, Equifax has been unfair, impartial, and did not respect my right to privacy. Congress has already stated that Credit reporting agencies have assumed this vital role in assembling and evaluating consumer credit and other consumer information. I, XXXX XXXX, did not give permission and Equifax did not have my consent.15 USC 1681b ( 2 ) of the Fair Credit Reporting Act also states Equifax did not have permissible purpose, I did not give written or oral instructions to furnish a consumer report or create a consumer report. I have previously disputed erroneous accounts and information on my consumer report and Equifax failed to remove and delete the disputed accounts and information and continues to report inaccuracies without validation. As a result of Equifax 's willful, noncompliance, negligence and failure to insure the accuracy of the information on my consumer report, I have suffered emotional distress, mental anguish, loss of trust and confidence in the banking system, and my reputation has been tarnished.
Product: Credit reporting or other personal consumer reports

Barclays is being unreasonable. I was issued a new XXXX XXXX credit card through Barclays Bank. I signed up and entered my banking information believing I was enrolled in the auto pay program like I do on most accounts. I never received a statement from Barclays so was unaware that they had not enabled auto pay and therefore my account was tagged as late/delinquent. 

Barclays web site is confusing and misleading. Instead of calling the service auto pay like every other company, their program is called REPEAT PAY. What is Repeat Pay - I mean no one else in the US calls it Repeat Pay. Well it turns out they did not activate Repeat Pay for my account and so they have reported my account to the credit bureaus. As soon as I realized what was going on I paid the account in full immediately. 

Barclays eventually refunded the late fees and interest but they will not take down the harmful information from the credit bureaus.
Product: Student loan

In the year of XX/XX/XXXX, I was having great difficulty making payments after Navient, XXXX XXXX at the time started requesting me to pay after I graduated. I could not afford the monthly payments and asked them if it could be lowered. Customer serviced explained my only option was to go into forbearance. With this option all payments will be stopped for a period of 6 months. They explained that {$50.00} would be applied as a fee and is non-refundable if I am approved for this " program. '' After 6 months, my payment increased to {$250.00} and I entered into forbearance again because I still could not afford it. And was only paying the minimum {$50.00} towards interest. Even so, my balance still increased significantly. For the past 4 years I have been in forbearance because of there being no other option to lower my payments. A loan that I only borrowed {$31000.00} has increased 100 % in 4 years to {$61000.00}. I sent in paper work back in XX/XX/XXXX of XX/XX/XXXX to Navient to request lower payments based on my income, but I was denied with no explanation. It is now affecting my credit because I have no way of paying {$800.00} per month. I have minimum amount of {$7000.00} due and in serious trouble of this going DEFUALT. I tried talking to companies to help consolidate or help work a settlement to lower my balance but nothing seems to work in my favor. Please help!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX XXXX XXXX XXXX XXXX {$910.00} Thise account is being reported inaccurately and has violated my rights according to the laws listed below. 
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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer reporting agency may make 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 ) States : 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.

I am requesting your assistance in having these items removed from my Consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report to search for inaccuracies. After searching and finding inaccurate information, I contacted Equifax and spoke to a XXXX REP about my concerns. She stated that the inquiries were deleted and that I will receive an email with my results. I also received a confirmation number. I checked my credit report days later to see those inquiries added back to my credit report which is a violation, because I was n't notified prior to them being added back on. I contacted Equifax and asked that they removed the inquiries that were illegally added back on. These inquiries are adding a hardship to my credit report and my rights were violated. I ask that you make Equifax stop victimizing me.
Product: Credit card

I had several fraud charges on my Wells Fargo checking account that brought its balance down to below XXXX, which triggered overdraft cash advance protection from my Wells Fargo Autograph credit card on XX/XX/2023, with a Description of " OVERDRAFT TO XXXX '', Ref. : " XXXX '', which later on got reversed on XX/XX/2023, with a Description of " ADJUSTMENT-CASH ADVANCES '', Ref. : " XXXX '' since the checking account was refunded due to Wells Fargo determining charges on checking were fraudulent. This should have been the end of the whole process. 

But unexpectedly, as shown on the XXXX credit card monthly statement issued by Wells Fargo, another reversal can be seen on XX/XX/2023, with a Description of " OVERDRAFT REVERSAL '', Ref. : " XXXX ''. But also, another cash advanced got randomly triggered on XX/XX/2023, with a Description of " XXXX XXXX '', XXXX. : " XXXX ''. 

Cumulatively, there have been two cash advances and and two reversals triggered automatically by Wells Fargo 's system, all in the amount of {$490.00}, netting a {$0.00} charge on the account. 

But what ended up happening was, Wells Fargo unilaterally decided to count the {$480.00} of my current credit card balance as " Overdraft Advance '' despite the fact that I have never used this service other than the aforementioned advances and reversals due to Wells Fargo 's system. Wells Fargo decided to charge me interesting during XXXX 's, XXXX 's, XXXX 's, and XXXX 's statements, in the amounts of {$12.00}, {$12.00}, {$12.00}, and {$12.00}. Although they did refund me XXXX 's interest charge after several phone calls with them. 

But the root cause still has not been resolved to this day, their system is still counting a balance of {$500.00} as cash advance, this balance has since slightly increased due to interest charges and payments. After numerous calls, many of which lasting for close to an hour, with their customer service who claimed they had submitted a case to their executive office named " Customer Advocacy Group '', their executive office confirmed on XX/XX/2023 that this issue still has not been resolved and they've never received a new case apart from the case they received in XXXX. A new case numbered " XXXX '' was opened by XXXX of their persons in " Customer Advocacy Group '' on XX/XX/2023. But at this point, I have very little confidence that they will properly correct this issue. 

In conclusion, Wells Fargo obviously violated the user agreement of this card and did not do their due diligence in resolving this issue, letting erroneous interest charges to go uncontrolled and unmanaged against the customer, myself. The unbelievably long time from XXXX to XXXX that was given to them to resolve this issue also reflects their inaction. 

The statements of XXXX, XXXX, XXXX, XXXX, and XXXX have been attached in this complaint for reference.
Product: Debt collection

*THIS IS NOT A DUPLICATE COMPLAINT* THIS COMPLAINT IS IN RESPONSE TO COMPLAINT # XXXX. Allied Collection Services , Inc. attempted to state that this isn't the correct company. However, they have an account listed on my consumer report which resulted in me having to submit a further complaint in hopes of getting this matter resolved. I've attached photos of the account from their company to this complaint as well. 

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Allied Collection Services , Inc., for committing identity theft. I have never given Allied Collection Services , Inc., any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Allied Collection Services , Inc. and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of ( todays date ), I have not received any documentary evidence, such as a trilateral contract, giving Allied Collection Services , Inc. any right to collect on this alleged debt. I have never received any documentation requesting validation from Allied Collection Services , Inc., before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Allied Collection Services , Inc., can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Allied Collection Services , Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Allied Collection Services , Inc., continues its collection efforts, I will file for litigation for actual damages caused and Allied Collection Services , Inc., will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Mortgage

I tried to get a modification loan with Wells Fargo for my mortgage in XXXX was denied and my home was foreclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items are listed below : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter on XX/XX/XXXX, as my sixth attempt to let you know that I was the victim of identity theft, and I'm writing to contest some things that the criminal added to my file. The things I'm disputing have nothing to do with any purchases I made or authorized that resulted in the acquisition of any products, services, or money. Please prevent any information in my credit file that was obtained through identity theft from being reported. I don't know what these things are. Additionally, I have concerns about the accuracy of the information you provided on some accounts because it has been DELETED from other bureaus, and the reported payment histories on some accounts are a mystery to me. FCRA 605B ( c ) ( 1 ) ( C ) - Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please remove the following items as they were the result of the identity theXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI XX/XX/XXXX
Product: Checking or savings account

During the pandemic I was looking for a product called peak and my state was on lockdown and could not purchase anywhere due to supply shortage. I found a post on XXXX XXXX XXXX that a seller had the item I wanted listed for {$250.00}. I am new to cashapp so I did not second guess sending him money through there Ive heard of it and its a popular app. The pictures had the sellers name and date attached on his sale post so I thought he was legit. I sent the money and the seller blocks me. I call my bank to make a claim and provide proof of the seller messages, seller pictures of item, and even after a few days I have proof that he scammed other people in the group as well. Im not mad about the money but I feel like my money should be protected especially during a time like this when tensions are high. My bank knowing all the info denied my claim and let the criminal rob me out of my money. Ive never had a problem with Chase bank but I might have to change banks after this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolve this acct since XX/XX/2018 with no resolution from XXXX and XXXX. I have sent SEVERAL account verification requests and this acct with BOA # XXXX has not been verified by XXXX XXXX XXXX. I also sent a validation request directly to BOA and they couldn't verify the requested information. I have attached letters sent to credit bureaus and BOA. Also there's attached the answer from BOA with the validation request. 

I need your help to resolve this matter. Thanks for your prompt response and cooperation with this matter.
Product: Student loan

I was never notified I could release a cosigner when I asked this specifically. I spoke with a representative and asked if I could do anything to get my cosigner name off the loan. This was several years ago. I have an extra girlfriend on my loans as a cosigner and wanted her name off. That is wrong to not notify me that I could release her.
Product: Debt collection

I have been in dispute with Real Time Resolutions for several years. On XX/XX/2020 I submitted {$52000.00} via wire transfer to payoff the account. The account still shows delinquent through XX/XX/2020. I contacted the account representative Ms. XXXX XXXX on several occasions following up on the account. She acknowledged via email in XXXX that the payment had been received, but it would take a few days to be updated. Last week, I discovered that the account had not been updated on my credit report ( still showing delinquent through XXXX } I contacted XXXX  to contest the report. 

Today, I received an email from XXXX  indicating that my account has been updated. 
The report continues to show me as delinquent in XXXX, XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorized nor have any knowledge of the company XXXX to run my credit and request that they remove false information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2016, this account was opened by XXXX XXXX XXXX XXXX for a debt in the amount of {$140.00} for medical equipment ( XXXX ) that was covered by my medical insurance. I have XXXX children as dependents listed on my medical insurance. XXXX child received a XXXX  less than a year before this was prescribed. i was billed when the XXXX  child was prescribed a XXXX, in contacted my medical insurance provider whom sent me a explanation of benefits confirming this equipment was covered for one piece of equipment, per person, per year and that the coding on XXXX 's records could have been incorrect. I contact XXXX 's regarding this whom directed me to XXXX XXXX XXXX collection agency whom informed me all they could do was collect a payment. this has been reporting to all credit bureaus, with no resolution after filing a dispute.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$30000.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$450.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$720.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$670.00} XXXX  # XXXX XX/XX/XXXX -- {$3000.00} XXXX # XXXX-XXXX  XX/XX/XXXX -- {$500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$500.00} UNAUTHORIZED INQUIRIES : 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