23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The company XXXX/Equitable Acceptance Corporation is a scam. Here 's why. 

I received several calls on my personal cellphone over the course of 2 months from the phone number ( XXXX ) XXXX but never answered. A machine left a voicemail each time on my phone stating " You have an urgent issue with your student loan account. '' I would log into my student loan account and nothing was wrong. 

On XX/XX/2018 at XXXX I received a call from ( XXXX ) XXXX and they left another voicemail but this time is was an actual person talking. They said " Hello this is XXXX, and I would like to discuss with you a reduction in your student loan. The federal funding of supporting any weight or balance of your loan may expire very soon ... So it's pretty urgent that you give us a call. '' At XXXX I gave them a call back and they mislead me to believe that I could qualify for a reduced loan payment along with a 10 year limit to my payments. After 10 years, the government would forgive my student loans. They said I would only have to pay {$30.00} a month for 10 years with a {$49.00} recurring fee for the first year. XXXX sent me the paper work in an email and I signed. The company name on the documents was XXXX. 

I later realized after talking with my boyfriend I was scammed. This student loan service was going to take a down payment of {$270.00} from my checking account and a recurring fee of {$49.00} a month for a service that is free from the government. Thankfully I caught this before the 3 day cancellation policy.After 3 days of signing they would not be able to cancel the service. The forms and paperwork are all attached.
Product: Credit card or prepaid card

XX/XX/XXXX, I ordered a washer and returned it to recieve another one. The other washer was returned but instread of giving me credit for that washer, HD applied it to my account that was riding on an " interest free '' that was not due til XXXX or XXXX. Of course it took several hours for the credit card carrier to figure this out. I requested an extention on my other accounts that were expiring to " start over '' and its was approved. I just learned that an amount of {$270.00} interest has been applied and that the accounts linked are not available online for me to see or dispute.
Product: Debt collection

My credit report shows that I have a collection fr om Credit Management rep resenting  XXXX   XXXX   XXXX . Account opened  XXXX   XXXX  balance {$180.00} I have not had a cable service since  XXXX  .I m oved to California in  XXXX   XXXX . I just ordered cable service last month for the first time since  XXXX . Not  XXXX   XXXX   XXXX . My cable account was closed and paid in full over and cable box was turned  in seven yea rs ago with  XXXX   XXXX   XXXX . The unit I lived in was vacant for over 2 years so I do not know who would have used  XXXX   XXXX   XXXX . This is a fraudulent account and it should not be on my credit report. The collection agency shows the account was opened  XXXX   XXXX . I cant have a debt from  XXXX   XXXX   XXXX   XXXX  on report that is o ver seven   years old . And the collection is trying to make a new collection on something that should have never been a collection to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I'm a natural woman submitting this complaint on her own behalf without the assistance of any third party. The companies identified in this FTC report # XXXX improperly obtained my personal identifying information through aggravated identity theft and are using it to improperly report negative information on my consumer report without my written consent or authority. XXXX XXXX, XXXX, Equifax, and XXXX are reporting inaccurate, false, and fraudulent accounts, hard inquiries, collection information, incorrect names, addresses, phone numbers, and employment information that don't belong to me and were made without my permission, written consent, or legal authority, as well as information that wasn't collected from me. 
See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX 3 ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to Complaint Number XXXX. Providing additional attachments to further substantiate my compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife of 4 years had substandard credit and I co-signed a loan with her for a new XXXX 2 years ago financed through XXXX XXXX. 

On XX/XX/2019 we began the process to buy a new home, which requires a " pre approval '' letter. As part of this, we consulted our credit ratings on XXXX XXXX. 

The loan, {$25000.00}, is showing on both of our accounts, even though it is a single loan for {$25000.00} and payments are current. 

This reporting indicates to creditors that we owe a total of {$51000.00}, which is not true. There should be a note on one account that this is either not owed, and is a contingent liability, or some other way to report than as a double obligation. 

On XX/XX/2019 I contacted XXXX XXXX and they said that the only way to correct this error in their reporting is for us to re-finance the loan. That would be at a higher rate. 

I would say that this approach by XXXX XXXX is a poor business practice and that using their faulty credit approach to report this as two loans is not fair or equitable and is inaccurate in regard to the actual situation. We have a single loan for XXXX XXXX, not 2 loans, to put it succinctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit report pulled for a potential mortgage loan. On my XXXX credit report, it shows that I am an authorized user on a CitiBank CBNA credit card that is open and active. This card was opened XX/XX/2012. At the time I was a XXXX, XXXX XXXX XXXX and a XXXX  of the State of California, in the XXXX XXXX XXXX. I have never authorized my information to be used with Citibank credit cards. The credit card currently has a {$9900.00} balance which is severely damaging my credit and ability to buy a home. I repeatedly called CitiBank to resolve the issue, however they are unwilling to help me without a full account number, or full name and social security number of the primary account number. I have no access to that information since my name was used fraudulently on this account. CitiBank refused to help me or remove this fraud even though it shows on my credit report.
Product: Credit reporting or other personal consumer reports

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I disputed this Account information on XXXX XXXX asking them to verify the debit. I was unable to receive the purchase agreement and any information of payment to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX | sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed, faxed, emailed, and called each bureau XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Product: Mortgage

We have a loan with US Bank. Our monthly payment due is {$490.00}. We are responsible people that like to stay ahead on bills, so I send US Bank {$250.00} every two weeks, when we get paid. I do this so we always stay ahead, and every few months I can skip one payment and still be on time. 

Today we received a rather nasty notice that our account is behind, they have alerted a credit bureau, and they are going to " inspect '' our property. The letter was dated XX/XX/2019. 

They like to keep funds in " suspense. '' This has happened before, and when I contacted them, they literally told me that the payments to our account, were not being applied to the actual bill, rather they were being applied to the principal. According to them, the {$250.00} payments did not count as payments, because they were " partial payments. '' I threw a fit, and they corrected the issue so all the payments were then counted as actual payments on our account. The problem of course, is this keeps happening. In what world do people pay bills and still receive threatening letters in the mail? 

I don't want to have to throw a fit with these people every month. I feel like an XXXX  calling them and saying " Could you count my payment, as a PAYMENT. ''
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I want to report that my Data was Breach, I went to the FTC, ( federal trade commision ) website to report my data has been breached, and was transferred to the CFPB, ( consumer financial protection bureau ) I have contacted all three credit reporting agencies to report the inaccuracies on my credit reports. 
These are the Items that I am Disputing under 15 USC 1681 ; After close review of my credit file, I am disputing entries on my credit report related to Credit Inquiries : XXXX. XXXX XXXX XXXX XXXXXXXX ( Inquiry Date : XXXX ) XXXX. XXXX ( XXXX Date : XXXX ) XXXX. XXXX XXXX ( XXXX Date : XXXX ) ( XXXX ) ( XXXX ) XXXX. XXXX ( Inquiry Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Inquiry Date : XXXX ) XXXX. XXXX ( XXXX Date : XXXX ) XXXX. XXXX XXXX XXXXXXXX ( Inquiry Date : XXXX ) Also related to these Accounts : XXXXXXXX XXXX XXXX XXXXXXXX ( Date Opened : XXXX. XXXX, XXXX ) ( XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ) ( Closed by XXXX ) XXXX. XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ) ( Charge Off ) XXXX. XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ) ( Remove Comments ) XXXX. XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ) ( Remove Comments ) XXXX. XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX ) ( Remove Comments ) XXXX. XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ) ( Remove Comments ) XXXX. XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ) ( Remove Comments ) XXXX. XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX ) ( Remove Comments ) XXXX. XXXX XXXXXXXX ( Date Opened : XXXX. XXXX, XXXX ) ( Remove Comments ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX ) ( Charge Off ) XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ) ( Remove Comments ) XXXX. XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX ) ( Remove Comments ) XXXX. XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX ) ( Remove Comments ) XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX ) ( Remove Comments ) XXXX. XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX ) ( Remove Comments ) XXXX. XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX ) ( XXXX XXXX ) XXXX. XXXX XXXXXXXX XXXX Date Opened : XXXX XXXX, XXXX ) ( Remove Comments ) XXXX. XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX ) ( Remove Comments ) XXXX. XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX ) ( Remove Comments ) XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX. XXXX, XXXX ) ( Remove Comments ) XXXX. XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX ) ( Remove Comments ) XXXX. XXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ) ( Charge Off ) XXXXXXXX XXXX  XXXX ( Date Opened : XXXX. XXXX, XXXX ) ( Remove Comments ) XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX. XXXX, XXXX ) ( Remove Comments ) XXXXXXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX ) ( Remove Comments ) XXXX. XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX ) ( Remove Comments ) ( Mortgage Not Foreclosed on, Sold to private buyer ) XXXX. XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX ) ( No contract with this XXXX. )
Product: Credit reporting or other personal consumer reports

The credit bureau said that the account name and account number had been thoroughly investigated ; however, how is that possible if the open date, last active date, and last reported date are all off? This is grounds for elimination. My rights under 15 U.S.C. 1681 Section 604 A Section 2 were also infringed upon.

A consumer reporting agency can not provide an account without my explicit consent, according to the law.

I haven't granted these accounts written consent to appear on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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 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 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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX Address : XXXX XXXX XXXX number : ss XXXX Your NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX SC XXXX Dear XXXX XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc . ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is no need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting angencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protective security and confidentiality of these customers ' nonpublic personal information. '' ( Furnisher of Information to credit agencies ) is a financial instruction by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer of whom it relates. '' ( Furnisher of the information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have the my consent to furnish they information and the surely do not have my consent. Any and all consent to Equifax, Experian ( Furnisher of information to credit to credit agencies ) whether be verbal, non verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing the following items of information Any other adverse items information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A 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 accurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of the consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out any time. " I am opting out of your reporting services. ''
Product: Credit card

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Product: Debt collection

I disputed this account with Medical Revenue service under u.s code 1681 I ask the collection agency to verify the debt the company sent a photo id that was issued in XXXX and expired XXXX the collection agency stated this id was presented the date of service I have never lived at the address listed on the id. The collection company stated the list of services validated my the debt was accurate they also never advised of my right to dispute the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax , Inc., I'm aware of your failure of the requirements imposed under the Fair Credit Reporting Act. As dated, XX/XX/2023. See attachments. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.