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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. 


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 reporting containing any of the following items of information Any other adverse item 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00} XXXX  Account number : XXXX Balance : {$360.00} XXXX Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report.

The credit burruea stated my account was properly investigated, but how is that possible If the open date isn't accurute The date last active isnt accurate. And the date last reported is inaccurate. That is grounds for removal.

They violated my rights under the 15 U.S.C. 1681, Section 602 A states I have right to privacy.

15 U.S.C 1681 Section 604 also states that Consumer report agencies can not furnish my account without my permission.

They also violated my Hippa rights. 
I had no knowledge or consent of my medical info being disclosed.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and discovered several inaccuracies. 

According to 15 U.S. Code 1681e ( b ) - Accuracy of report, a consumer reporting agency must follow reasonable procedures to ensure the highest possible accuracy of the information in a consumer report.

Additionally, 15 U.S. Code 1691i ( 5 ) - Treatment of inaccurate or unverifiable information, states that if, after reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the information as necessary and notify the furnisher of the changes.
Product: Credit reporting or other personal consumer reports

About a year ago, I found a hard inquiry on my XXXX credit report and immediately sent a letter to One Main Financial requesting that it be removed. They have done nothing that hasn't been removed, and they never even replied. Here is where things take an interesting turn : when I pulled my credit reports from XXXX and XXXX, this particular hard inquiry didn't show up in either one of those reports. It is annoying to see this entry on XXXX only, and this much is certain : I never applied for any loan with One Main Financial. I seek a resolution to eliminate this inaccuracy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in acccordance with the fair credit reporting act XXXX  Account # XXXX, Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Experian regarding this debt that has been paid. They continue to give me the run around and not update this negative information. I have mailed letter after letter and nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXXXXXX XXXXK XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my free annual credit card thru Annual Credit Report ( XXXX ) two time in XX/XX/2018 and still have not received the report from Equifax. I requested on XX/XX/2018 and again on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts open in my name that I did not open and it has affected my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921  ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX OF Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were transferred from XXXX to XXXX on XX/XX/2022. On XX/XX/2022 I received notice that my loans with XXXX  XXXX XXXX were all listed as closed instead of transferred on my credit report. This caused my credit score to drop XXXX points with XXXX and XXXX points with Equifax. I called the XXXX and was advised to send in proof of the credit hit by obtaining a credit report. The credit report does not show credit scores, so that is not an effective solution. XXXX allowed me to purchase my score but there way to provide score history to reflect the drop on their site. The loan should be listed as a transfer since XXXX did not renew their contracts with the U.S. Department of Education causing the loan to be transferred. I need my credit score restored as the servicers were given guidance on how to make the updates so it doesnt impact credit scores. The transfer of my loan should only change the servicer name on the credit reports and not indicated as a closed account.
Product: Mortgage

Our XXXX 2016 payment was made, but not applied to our account. This resulted in a late fee for XX/XX/XXXX, late fee for XX/XX/XXXX, and a derogatory mark on our credit. I contacted Loancare by phone, and they told me to provide proof of payment via email. I did this one week ago, on XXXX XXXX, and they never responded.
Product: Student loan

Navient. I have been trying to get my co signer off my loan. Its been over 10 years since I graduated from school. I should n't need a co signer at age XXXX. They keep giving me different reason not to release my co signer. First time it was i did n't make enough, which was false. I sent in pay check stubs to prove it. Then i sent it in again and this time they came back that me credit report from XXXX says that I have ( serious delinquency, public record, collections on file, time since derogatory public record, collection to short ). Only thing I had was a credit card with XXXX XXXX with some late payments years ago and is one of the reasons. Navient give me XXXX number to call them if I did n't think this was correct and to tell them. Well I called them and they did n't see any of this. My credit is great. I have put in another complaint with Navient and they are supposed to call me. They did n't call me on the first complaint I put in on this. hope they do and the second. I feel they are holding me back with false info to keep my co signer on my account.
Product: Debt collection

On XXXX XXXX, XXXX I was served with a civil warrant with a court date of XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX on behalf of Jefferson Capital Systems LLC ( Original Creditor is : XXXX ). After several failed attempts to contact Jefferson Capital Systems LLC by telephone, on XXXX XXXX, XXXX I filed a complaint with the XXXX trying to collect information on the account before I had to appear in court. On the night of XXXX XXXX, XXXX they replied to the complaint where I did n't receive access to any documents from them to verify the account until XXXX XXXX, XXXX AFTER my court appearance. Therefore, not only did Jefferson Capital Systems LLC never provided me with any information regarding the account before they filed the suit against me but they also did n't give me adequate time to verify the account information before the account was turned over to the attorney 's office. I also believe that Jefferson Capital Systems LLC is reporting false and inaccurate information on my credit report. The account number they show on my credit report does not match the account number they filed the suit against me on but the original creditor 's balance and dates match my credit reports prior to XXXX/XXXX/XXXX. I do n't have my credit report for XXXX & XXXX that date could actually be an earlier date. They are reporting a opening date of XXXX and the original date the account was open was XXXX XXXX. They are also reporting from XXXX XXXX XXXX XXXX a monthly payment of {$33.00} that I have n't paid. The last payment I made was on XXXX/XXXX/XXXX of {$33.00} which is reflected on the Statement of Account Activity that they provided to me after my court date. Additionally the balance on the suit filed is : {$940.00} which reflects the balance on XXXX statement dated XXXX/XXXX/XXXX and continued at that balance until XXXX XXXX at which time Jefferson Capital Systems LLC increased the balance to {$1100.00} which was after they turned the account over to the attorney to have the suit was filed against me in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment 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 XXXXXX/XX/XXXX
Product: Mortgage

Thanks to XXXX XXXX 's furlough program and a lengthy and costly divorce, I was forced to file bankruptcy in XXXX. I was informed by XXXX XXXX, that because I filed for bankruptcy, they can not, by law, send me a monthly mortgage statement. I receive a Form XXXX at the end of the tax year. Prior to the XXXX tax year, the Form XXXX did not show the loan balance. I had to call XXXX XXXX loan servicing department and have them mail me a statement. The matter concerning the homeowner 's insurance gets a little complicated. In essence, the roof developed a leak, I had it fixed but the roofing company that performed the repairs went out of business and I did n't have anything to prove that the repairs were completed, so the insurance company ( XXXX ), cancelled the homeowner 's policy. Ironically, I was referred to the roofer by XXXX when I filed the claim. Wherein after being notified by XXXX of the cancellation, XXXX XXXX, took out a policy with another insurer but I have to pay the premiums which is almost double what I was paying. 
So I 'm in a Catch 22 situation : In order to obtain coverage on my own, I have to provide proof of insurance. Without proof of insurance, I have to maintain the insurance coverage the XXXX XXXX obtained. And unless I can get the roof replaced, I ca n't obtain insurance ( at least not at a reasonable cost, if at all ). I even applied for HARP to get out from under XXXX XXXX or at least reduce the mortgage payment enough to allow me to have the roof replaced, but the XXXX XXXX made that effort unnecessarily difficult. So now, I avoid having to deal with them entirely. The current issue is that I attempted to obtain a loan to have the roof replaced ; however, the XXXX XXXX has not been reporting my mortgage payments to any of the credit reporting agencies. As a result, not only is there no reporting of my mortgage payments since XXXX but I ca n't get a loan because no insurance company will write a policy until XXXX XXXX, XXXX -- three years after I originally filed a claim to have the roof fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Student loan

Got a call from supposedly federal help from the President forgiving student loan debt. The caller had all my information and then proceeded to work out a payment agreement for the balance of {$2200.00} with the first five payments {$100.00} and the remaining {$9.00} over three years. I made the first one on XX/XX/XXXX, after this call I received an email from the MOHELA student loan office and where they could detect that suspicious call and today I called and they told me that the program has not started and in my case I would not have to pay nothing because my debt is less than XXXX
Product: Credit card or prepaid card

I have been calling the XXXX XXXX customer service number many times in the last two days. The problem is when i call to talk to customer service the automated system transfers me to them and they hang up before i can even talk to a live person. I am charged XXXX every call i make to XXXX XXXX. They are racking up my charges and not helping at all. I have to change address in order to receive a new card because they never updated my address and the new card went to an old location. 
I can not talk to anyone and every time i try I am charged whether i have spoken to someone or not! This is not right nor is it ethical! 
I think its ridiculous to be charged to get help with a product that is holding my money and get charged whether I am helped or not. I have called over 8 times at XXXX cents a peice to get help with a replacement card and I have yet to talk to anyone because they keep hanging up on me.
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 any item 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 which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$4300.00} ; US DEPT ED XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DP OF EDUC  XXXX Balance : {$3100.00} ; DP OF EDUC XXXX Balance : {$4300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I bought a new construction in the XXXX and at first we used builder 's in house lender. But we found the rate is not attractive so we switched to Wells Fargo who assured us a better rate. However, at the time when we are almost closing. Wells Fargo told us that it 's impossible to do this with us. Since the they can not meet the builder 's timeline. What should we do? Can we sue Wells Fargo for not being professional?
Product: Debt collection

Good afternoon, I got a debt collection letter with fraudulent charges from Transworld Systems Inc and XXXX, they are claiming {$740.00} dollars for an item that I bought from XXXX and was refunded because XXXX lost the package, the package was suppot to be delivery the same day or next day because the sender is in the same state ( florida ) but the package goes to XXXX witouth reason and they XXXX as delivery in XXXX, XXXX tried to recover the package for 1 week and finally they told me that the package was lost, I called XXXX since the day one when the package was going to the wrong state and the package was traveling for every single state in the US and XXXX never holded the package in a station after my claims, now they send a debt colletion letter 3 months after the package was lost and I got less that 1 month for paid the scam amount due if not they are going to report to the credit and impact re credit score
Product: Checking or savings account

I wanted to create a PayPal account for the XXXX time, but it looks like XXXX was already created for me, which I did not do. Upon unlocking the account, it showed that I was permnanently limited and not able to use PayPal 's products or services. It also seems like this account was opened when I was a XXXX ( under the age of XXXX ). 


I'm formally requesting PayPal to reinstate my privileges, as I never consented to using PayPal previously. This account was opened without my consent and I do not want to be permanently limited for this. Please fix this issue.
Product: Checking or savings account

Fraudulent savings and checking accounts were opened with Comerica Bank online. 

I close the account already. 

How can I protect myself in the future?