23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX : Account XXXX XXXX Account XXXX : XXXX XXXX XXXXXXXX : Account XXXX Account Name XXXX XXXX XXXX  XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/year> XXXX XXXXXX/XX/year> EQUIFAX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to Experian, XXXX, and XXXX  on XX/XX/2020. It has been 30 days and I have not received the results of my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS REGARDING ACCOUNT NO. 
XXXX, A XXXX XXXX ACCOUNT CLOSED BY THE GRANTOR IN XX/XX/XXXX. 
DEAR MR XXXX XXXX, CEO I HAVE SOME UNFORTUNATE NEWS REGARDING YOUR COMPANY : YOU HAVE EMPLOYED AN XXXX WHO ANSWERED THE LAST XX/XX/XXXX CFPB COMPLAINT WITH 31 PAGES OF  XXXX.YOUR EMPLOYEE IS THE ONLY ONE WINNING, DRAWING A SALARY FROM YOU FOR INEPT, CONFUSED RESPONSES TO THE CFPB. 
THESE ARE THE SIMPLE FACTS : I HAD ABOUT XXXX DOLLARS IN CHARGES MADE BY SOMEONE ELSE WHO WRONGFULLY GOT A HOLD OF MY PRIVATE ACCOUNT INFORMATION AND CREATED A FRAUD AGAINST YOU AND ME.YOU FORGAVE THE DEBT, WROTE IT OFF OR WHATEVER ... ... ... ..YET YOU ARE HOLDING ME RESPONSIBLE FOR 30,60,90,120 DAY LATES ON AN ACCOUNT YOU PAID OR FORGAVE OR WROTE OFF DUE TO THE FRAUD. 
THIS MAKES NO SENSE WHATSOEVER. 
I HAVE 50 YEARS OF PERFECT CREDIT OTHER THAN THIS ACCOUNT.I HAVE XXXX AND AM BUSY FIGHTING IT.IM SORRY YOU, MR XXXX HAVE HIRED A CONFUSED XXXX BUT THE BUCK STOPS WITH YOU. 
PLEASE TAKE CARE OF THIS, I HAVE ATTACHED MY FTC IDENTITY THEFT REPORT REGARDING THIS ACCOUNT. 
SINCERELY, XXXX XXXX
Product: Debt collection

Unfortunately my husband who paid all the bills and took care of all finances passed away unecpectedly XX/XX/XXXX. Prior to that in XX/XX/XXXX he went to a debt consolidation company which we thought was legit. We signed the agreementa and made the payments. Unfortunately after his death, I had to seek a probate lawyer because he died without a will. She explained their practices and at that time I found none of the payments had been applied to the credit cards which meant all were already in default. She suggested I make a settlement with the credit cards. I did so with the two I thought I had and had contact with. This credit card company has not made any claims to this debt until now over 2 years later. I look on XX/XX/XXXX and it shows XXXX balance so I assumed it was the Citibank I already paid. The only reason I found out is I have been trying to bring my credit score up and I constantly look at XXXX. There was an open collection listed on my report for XXXX. I have since learned it is a debt collector for Citi Bank. I did make a XXXX payment to Citi Bank on XX/XX/XXXX which I thought settled everything. To my horror this is another account. I have ripped the house apart for any type of paper trail on this account and I can not find one piece of paper. We were in desperate financial trouble at the time of his death so I am not doubting that he opened this card. Once he passed I had no acces to any account info because it was on his work laptop which was siezed in XX/XX/XXXX and I had no way of getting in it because of security measures. I did speak to XXXX today and requested account info but looking on XXXX it shows the acct closed collection/charge. 
I honestly thought I was climbing out of this nightmare until I got onto XXXX. I have been getting XXXX # calls but the lawyer said they can continue to call so I assumed it was what I thought was paid off. How can a company do this? It just destroyed my credit history that I have worked so hard scraping and scrimping to repair? I am desperate for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute- Inaccurate information on Consumer Report To Whom it may concern, I am writing to dispute inaccurate information on my consumer report. It has come to my attention that your company is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role is assembling and evaluatingconsumer credit information as stipulated in 15 U.S.C 1681 ( a ) ( 3 ).

I am also aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C 1681b requires that you must have either court jurisdiction or handwritten letter from me giving you permisible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy. 

Additionally, as a finacial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C 6801 ( a ) which states obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Specifically, I am requesting the immediate removal of the collections, chargeoffs, and all derogatory accounts from my consumer report. This debt collector has engaged in abusive practices in attempt to collect an alleged debt, further violating my rights under the Fair Debt Collections Practices Act ( FDCPA ). These deragatory accounts are not accurate. Accuracy is defined as a measure of value, these do not add value of any kind futhermore you are doing this without my knowledge, also Fairness is defined neither party having unjust advantage over each other, the direct result of you doing any of this ( and without my knowlegdge ) put me at a disadvantage. This is the whole reason for 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Finacial Assistance I Expect you to take quick action to correct these inaccuracies and protect my privacy. Please confirm you received this letter and inform me of the actions you will be taken to resolve this matter. 

XXXX,
Product: Student loan

I have a  DLPLUS  loan being serviced by FEDLoan Servicing. Account  XXXX .  <P/> I had been making payments every month until  XX/XX/XXXX .  XX/XX/XXXX should have been should have been my last payment based on billing statements received at that time. Since then I have received no billing statements until following :  XX/XX/XXXX  - Paid In Full Notification  XX/XX/XXXX  - Disclosure of Loan Repayment Terms  XX/XX/XXXX  - Month ly Bill (  statement I owed {$20000.00} plus {$1.00} interest On  XX/XX/XXXX , my son made a payment of {$200.00} from his checking account to pay his student loan ( different account ). In  XXXX  his account stated he now owed two payments. Invested cause and reason was  XXXX  used the billing payee with my account  XXXX  instead of his account  XXXX .  <P/> When we called about the  XXXX  payment we learned that it was applied to wrong account. This first call in  XXXX  we were told. It would be refunded to my son 's bank account because that was the source of the payment.  <P/> The second call was made because it had not yet been returned to his checking account and we were told that refund will take  60-90  days to process. We said why ca n't the money simply be reversed and reapplied to the correct account and we were told it can not happen that way.  <P/> We never yet saw {$200.00} come into his checking account.   I received on  XX/XX/XXXX  {$190.00} refund. I called again and asked why  1 )  I got this check and  2 )  why was n't it for the {$200.00}.  <P/> Response from  FedLoan Sevicing : Th at my account had a balance of less than {$25.00} owed and it is their practice to keep the amount owed if issue a refund. That explained why {$5.00} was reduced. I accepted that fact and gave my son the {$190.00} for his student loan payment. It seemed very irregular and opposite of what I was told, but for {$5.00} why argue more about it.  <P/> I asked why was I never sent billing statement for the {$5.00} balanced owed? I was told because my remaining balance was less than {$25.00} they do not issue monthly billing statements and they basically had written the loan off ( evident as closed in my credit report I had received before any of this started ) and I got my paid in full statement.  <P/> Very surprised to see that ten days later I get a notice saying I owed {$200.00} principal and interested.  <P/> Explanation received : FedLoan Servicing actually did reverse and reapply the loan payment on  XX/XX/XXXX . FedLoan Servicing issued me a refund for {$190.00}  (  less the {$5.00} remaining in balance on XX/XX/XXXX . And FedLoan Servicing then realized they made two different transaction trying to correct this issue which moved my originally paid in full account to be owing {$200.00} P & I.
Product: Debt collection

I recently obtained a copy of my credit report ( CCS ) continues to violates my rights and my privacy asa consumer according to Fair Debt Collection Practices ACt. Also this company is in vioaltion according to 15 USC 1692. I have attached a copy of my FTC report and License.
Product: Vehicle loan or lease

As I'm attempting to pay down my car loan I've noticed that there's no way to apply an extra payment to principal only. Wells Fargo continues to apply this to interest and fees. I am currently 3 months ahead on my payments and no matter what when I apply an extra payment it continues to apply a certain amount to the interest despite being ahead. The only way to apply additional payments to principal is to add it on to an automatic pay option. There are even fees that are being paid that I don't understand or can not tell what they are. I'm not certain why I have to pay future interest that hasn't yet occurred. For example if I pay off my car now then I would have paid interest that never would have existed increasing the overall cost of the car.
Product: Credit reporting or other personal consumer reports

Upon revievieweing my credit report, I have identified the following item ( s ) that contain inaccuracies 1. The following personal information is incorrect Reported names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Addresses : XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX 3.The following personal information is incorrect Employment info : XXXX XXXX XXXX XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report 5.The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report XXXX following account is not mine XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Please REMOVE it from my credit report XXXX following account is not mine XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with XXXX since XXXX XXXX in regards to removing unverified information on my credit report. The last round of letters went out on XXXX/XXXX/XXXX asking then to remove inaccurate information in which XXXX came back and said the information was correct and verified. Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XXXX/XXXX/XXXX asking if XXXX and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XXXX/XXXX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to XXXX and to the additional credit bureau 's asking them to remove the information off of my credit report. XXXX sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. XXXX never verified the information and they do not want to do there job as to removing inaccurate information.
Product: Checking or savings account

In XXXX, I was in XXXX XXXX XXXX XXXX from XXXX. I was put on XXXX  and group XXXX  sessions. XXXX XXXX gave me a XXXXXXXX XXXX XXXX at nurse line. The Dentist gave me before the pXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an XXXX being in my XXXX. Without signatures for XXXX  or the XXXX. In XXXX  after XXXX XXXX I went back to XXXX  XXXX group XXXX and stayed up late, eating a snack. I went to my XXXX. XXXX  XXXX group XXXX, then I layed under covers getting ready to sleep. Then my stomach started to inflate and I went out. In XXXX I don't remember any Court releases. I went out and woke up in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I went through fights with the look of the identity of the FBI. Also clones of family members XXXX, and XXXX. Money was being passed, + {$30.00} transfered to my pocket. I consistently hit the lottery and I walked up the street to XXXX XXXX mi. Knocked on the window to nextdoor to the Tax shop then went into the Tax shop with a black lady that owns the Tax shop, showed my tickets and won {>= $1,000,000} and some odd money. Turned it into BOA bank to the same people that work there today. Opening up a bank account with the Tax check, and found out several accounts was in my name. I closed one account then the banker the male one said they accept 5 off in lottery tickets. My account went in then the next time, I went to the bank I turned in lottery tickets and took out XXXX XXXX dollars on a card. Next thing I know I woke up in XXXX after moving from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I woke up on the other side from feet getting flashed in the eyes by a XXXX from outside, then out to the other side of bed were I went to sleep in same position. XXXX released in XXXX, and forgot about bank account from XXXX. Then I opened up another account with Bank of America in XXXX with my cousin XXXX XXXX in XXXX mi. XXXX the system omitted hanious information and sent me to XXXX  for XXXX from XXXX. My Bank account went untouched and in XXXX another account went opened for XXXX money without signatures or completion or in my presence and without permission. In two XXXX XXXX  spelled XXXX XXXX. I did. Not finish XXXX, and my other funds did not transfer in. From out, I was matyrd XXXX  and refused truth. By lawyers, program 's and Judges. Plus not sure if I been moved in layin abduction 's from too much noise in body and weird family presence and pressure. Also too many look alikes and false promises of a lawsuit in the U.S.C 18 and 42.
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate inquiry that I believe to be incorrect on my credit report. 
Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I have tried to contact every one of the company listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? Please have these inquiries deleted ASAP XXXX  XX/XX/2023, XXXX  XX/XX/2023, XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX, U S DEPT OF EDXXXX. 
Company Inquiries 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: Mortgage

I lost my work do to closing all the XXXX campuse I am having difficaulty with my mortgage therefore I am trying to get help from keeping home California they requested monthly statement for my mortgage and the servicer refuse to send them to me I have been in contact with them since XX/XX/2016 and they first told me they will fax it within a 2 hour then I called them XXXX and they said its in a process it takes 48 hour to 3 days I called them on XXXX and requested to speak to a supervisor and I have been told the supervisor will call me and nothing happened I was receiving statement from previous servicer and this new servicer are damaging my getting help from keep home California they refuse cooaperating with me. 
please help me I have lots of health problem I do n't want loosing my home on top of my difficault time. 
Thank you XXXX / XXXX
Product: Credit reporting or other personal consumer reports

Santander was to remove the negative report off my credit report once they did the profit and loss during covid. The car is still reporting negative on my credit. ( Fraudulent ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

Dept of Ed XXXX reporting 4 times Us Doe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Inquiries i do not notice XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute some inaccurate addresses listed on my TransUnion credit report. The addresses Im referring to are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My correct address is " XXXX XXXX XXXX, XXXX, XXXX  XXXX. '' These inaccuracies could hurt my credit, and it goes against the rules of the Fair Credit Reporting Act that say credit reports must be accurate. Please remove these incorrect addresses from my credit report right away. I also ask that you look into how this happened to make sure its not due to fraud or identity theft. Please fix this mistake and make sure my information stays accurate moving forward.
Product: Credit reporting or other personal consumer reports

Hello there, I requested a consumer report from LexisNexis which they provided, then I requested a review of my record due to multiple inaccurate items on XX/XX/XXXX, they responded on XX/XX/XXXX saying that the items turned back as verified. I then requested they delete the items because I personally went to the courts and requested proof that the items are in fact incorrect ; which I mailed them copies as proof that they never investigated anything on my file. This request and the proof was mailed and received by certified mail on XX/XX/XXXX, am still waiting to receive a response from them confirming the deletion of the inaccurate items on my report. 
The items in question are two public records : a property Deed and a bankruptcy.
Product: Credit reporting or other personal consumer reports

I did not authorize the purchase of {$52000.00} indicated in my credit report. I did not allow XXXX to run my credit on $ XXXX last XX/XX/year>. Their client XXXX XXXX, had asked a XXXX XXXX resident on my property to sign a contract to do the work. I have no knowledge of the contract never saw any paperwork of estimates, application of credit and contractual obligations. The XXXX XXXX and XXXX colluded in taking advantage of the XXXX individual. I was able to find out when XXXX put a lien in my property for the landscaping amounting to {$52000.00}.
Product: Credit reporting or other personal consumer reports

Today, I discovered unauthorized inquiries on my credit report with no clear reason. I check my report often, but this time, there were discrepancies that appeared out of the blue. Even after refreshing my browser, hoping it was a temporary issue, the inquiries remained. Due to this situation, Im asking for a thorough review of the documents Ive submitted so I can stop worrying about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a fraudulent inquiry on my credit report that transunion will not delete which is in direct violation with the FCRAXXXX XXXX XXXX  posted an inquiry in XXXX XXXX XXXX and I never gave that company permission to pull my credit. Ive called transunion and spent hours on the phone with them and they refuse to delete this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX, XXXX and XXXX failed to produce an investigated report for WF/XXXX  account reported on my consumer report. 
They have failed to provide me with the required tax form documents that are required by the Internal Revenue Service including 1099OID and the 1099C. I will include the FTC report for identity theft against the use of my taxpayer identification number, also known as, the social security number. WF/XXXX  has also communicated my personal information without my authorization to these consumer reporting agencies without my consent include the social security number which is private and confidential. The said debt was not validated by me, the consumer so it should not be on my consumer report. 
The original creditor is Wells Fargo and the status of this account is in Charge Off which they are also acting as a debt collector under a different name so they are using a 3rd party as a debt collector. 
As of XX/XX/XXXX, I have not received an investigate report as they have 30 days to do so.