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 University : XXXX, XXXX XXXXXXXX XXXX XXXX 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 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 or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX I need the credit bureaus to delete all inaccurate addresses from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : Bankruptcy XXXX XXXX Filed on XX/XX/2017 Reference number : XXXX and 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 accounts 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 these 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 have been working with ALL three major credit bureaus for the past 2 months ; trying to get my accounts correctly updated with a simple name change. I have discussed this change over the phone with EVERYONE, e-mailed, mailed, wasted money mailing CERTIFIED and even drove 150 miles round trip to XXXX Bank in XXXX, Alabama with ALL ... and I repeat ALL the information to complete my name change ; hoping someone will get it RIGHT!!!!!! ( XXXX XXXX did not have a problem correctly updating my account in a very prompt and professional manner. ) But unfortunately, I know that it is an impossible task for company employee representatives in today 's society to do their job appropriately and timely. I have finally given up trying to communicate to these illiterate, incompetent idiots that have no clue what great customer service ethics are. My credit score has been between XXXX - XXXX for the past 3 years ( See attached documents from XXXX and XXXX verifying this information ). Today I received an unexplained Vantage Score of XXXX from XXXX ( that was posted on my XXXX XXXX website ) stating that my score had dropped XXXX points. I am retaining a lawyer and filing suit against their grossly inaccurate credit reporting practices and failure to correctly investigate my disputes.
Product: Credit reporting

On my Transunion report, XXXX account and XXXX inquiries were removed and reinserted into my credit file on XX/XX/XXXX. I was not notified of the reinsertion within 5 business days as required. I have spoken with the Transunion special handling department on XX/XX/2017. Id would rather not have to file a lawsuit against the credit bureau to get this corrected.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX ; in sui juris, XXXX under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX CEO & Manager, I Have no knowledge of this Account Coast 2 Coast Lenders LLC XXXX, I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX ; or Coast 2 Coast Lenders LLC ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab initio! 

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 my written instructions. 


Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXX CEO & Manager of Coast 2 Coast Lenders LLC to Immediately Delete this account Coast 2 Coast Lenders LLC XXXX, with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

as this file Coast 2 Coast Lenders LLC XXXX, has damaged XXXX XXXX XXXX ; reputation and damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! 

I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX Dollars for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. 

Pay to the order of : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Car loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, personal credit card account opened at XXXX XXXX, XXXX on XX/XX/XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX credit account opened at XXXX XXXX on XX/XX/XXXX, and a credit card account open with XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Credit reporting

I disputed a chapter XXXX dismissed bankruptcy with equifax. The investigation came back as verified. I received a letter from the court explaining that they DO NOT report to credit bureaus and therefore must be deleted.
Product: Credit card or prepaid card

Some one took out a card in my name .I was unaware until I got court papers one a card I never sign or ask for.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Equifax for failing to correct inaccuracies on my credit report, despite my repeated attempts to dispute the information. The incorrect details remain on my report, which continues to negatively impact my credit profile. 

The credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) as follows : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) The credit bureaus are reporting outdated information that should have been excluded after the legally mandated time period.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) They failed to conduct a reasonable investigation into the disputed information and have not provided sufficient evidence to validate the reported data.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have not ensured the accuracy of the information on my credit report, as inaccuracies remain despite my dispute efforts.

I urge the CFPB to investigate these violations and take appropriate action to ensure the credit bureaus comply with the FCRA and rectify the ongoing errors on my report.
Product: Debt collection

XX/XX/XXXX letter from collection agency name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX, Amount due : {$470.00} XXXX XXXX, letter was sent to verify such claim, XXXX XXXX letter was received from XXXX XXXX XXXX  to direct all communications to : Creditors, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Comenity Bank, XXXX XXXX. XXXX XXXX XXXX Including in the response were bills dated XX/XX/XXXX with the balance of {$200.00} with the late fee it adds to the amount of of {$470.00} dated XXXX.Letter was sent again for more verification of purchases date and name of store location and a copy of original bill with letterhead and my name on it.XXXX, response was received with the bill dated XX/XX/XXXX with the balance of XXXX as the original balance 1 month backward contrary from the previous bill date XX/XX/XXXX with amount of XXXX It was noted that in bill charges was added of {XXXX and @ XXXX XXXX in the same date at XXXX ' XXXX XXXX to make it total amount of {$100.00} XXXX balance. I noticed Parts of the bill were erased with ink and address to may old address where I left years ago.
Product: Credit card or prepaid card

Fortiva credit card company refuses to cancel my card, even though it has been locked for 2 years. I spoke with a representative that told me if I paid off a small amount, they would cancel my card. Instead they immediately added more charges to my account so I couldn't close it. This has been ongoing now for years and the current charges on an account that I can't use are XXXX. 

Last time I spoke with them was in XX/XX/2022.
Product: Debt collection

I've answered a few of their calls but no one says anything. I tell them you called me so talk then I get a click, so I've quit answering. When I look up the number its from them. They never ever leave a voicemail and they come from lots of different numbers. Just saw the 7 calls in 7 days rule. I get at least that many in one day sometimes more. They start shortly after XXXX and go as late as XXXX. I get them 7 days a week, weekends and holidays. I personally feel its harassment. I have XXXX XXXX and sleep alot but have to put up with their calls. I now have my phone on silent. Please help! I have attached phone log for some of the calls. Please note there may be other calls in there as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing account XXXX due to the following : 1. The same account is currently being also reported by the alleged original creditor- XXXX Bank and XXXX XXXX XXXX. According to FCRA, it is illegal to report the same account twice 2. The attached statement provided by XXXX XXXX XXXX show an incorrect address : my correct suite number showing on my current credit report is XXXX and the statement shows an incorrect XXXX XXXX which doesnt below to me. This is an obvious and serious inaccuracy- please investigate and delete this disputed account.
Product: Student loan

I HAVE TRIED TO CONTACT THE COMPANY FOR INFORMATION AND BALANCE, IT IS NOW WITH AN ATTORNEY COLLECTION AGENCY AND WE HAVE SENT XXXX CERTIFIED LETTERS REQUESTING THE SAME AND WE CONTINUE TO KEEP GETTING THREATENED WITH A JUDGEMENT AND WE HAVE SHOWED UP IN COURT SEVERAL TIMES AND THEY ONCE HAVE N'T SHOWN, WE CONTINUE TO CALL AND EMAIL WITH NO RESPONSE EXCEPT FOR A SEE YOU IN COURT
Product: Student loan

In XXXX of 2020 I called Fedloan servicing because I saw they had increased my principal balance by over {$4000.00} without telling me, warning me, or saying why. They also retroactively applied payments I had made months and years past towards this new amount as interest. I only figured it out on my own when comparing monthly statements they sent me. It WAS NOT interest capitalization they said when I reached out, but I knew that already because I had been making payments for years, and every month I paid extra and hit the interest accrued AND principal balance in my payment, and I was seeing both go down steadily. They, after several hours and several phone calls, could not tell me what it was from. They eventually said it COULD be from a previous loan that had gotten lost when transferred to fedloan from a previous servicer ... but Ive NEVER had a previous servicer besides fedloan for my federal loans. The last phone call I had with them in XXXX or so they said they would contact me when theyve finished their investigation but that still hasnt happened. If I hadnt of caught them doing this, they would have never even told me. This extra balance is still on my student loan, and one lady I spoke with at fedloan said she had seen something like this before on her end, but not only did she not have any answers for me, but she said the student whos account this was DIDNT EVEN KNOW IT WAS THERE. I dont mind paying something I owe, but to just increase my balance because of some error and then make me pay for it is insane. 
In the attachments youll notice that the billing statement total for principal balance, when added together, does NOT match what is listed on the second attachment.
Product: Credit reporting or other personal consumer reports

The reporting of the following account is a violation of my rights to be penalized with double jeopardy : Account XXXX : XXXX XXXX XXXX XXXX  ) Account XXXX # XXXX. 

This account needs to be removed from my credit report immediately due to pay for delete arrangement with Account XXXX : XXXX XXXX XXXX Account XXXX # : XXXX the current creditor for previous Account : Account XXXX : XXXX XXXX XXXX XXXX XXXX  ) Account XXXX # XXXX. 

Per the arrangement, once the settlement amount of {$600.00} was paid on or before XX/XX/year>, XXXX XXXX XXXX would delete the listing from my credit report. Attached is a copy of the arrangment, confirmation of settlement payment and verification that the account is still reporting incorrectly on my credit report. Both companies own the same debt, with a balance. As you know, this is not possible and also a violation of my rights to be penalized with double jeopardy as well as a violation of my right to fair and accurate credit reporting. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately Account : XXXX XXXX ( XXXX XXXX ) Account # XXXX from my credit report. 

When the requested above deletions are made, please mail me an updated copy of my credit report The inaccuracies are highly injurious to my credit score and in accordance with The Fair CreditReporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.
Product: Student loan

On XX/XX/2018, I was notified of an auto payment to Navient being processed. This is an option that I selected to be enrolled for over a year. With this feature, I've had consistent payments for the life of the loan. The issue I am experiencing is an overcharge. They state that I manually set it to make a payment in addition to my monthly payment. The set auto pay amount is monthly repayments of {$50.00}. The overcharge was {$130.00}. I've called Navient and they have recommended I stop the transaction with my bank to remedy the situation since a refund may take 2.5- 3 weeks to process. I called my bank and they mentioned that I will have to pay a {$30.00} processing fee in order to stop a transaction. With this in mind, I am filing this complaint that Navient is making unauthorized transactions without my consent. They are overcharging me {$130.00} + Auto pay {$50.00} with a total of {$180.00} this month. I do not have any issues with the auto payment of {$50.00}. But it is not acceptable for them to state that I manually scheduled a payment of {$130.00} in addition with my auto-payment.
Product: Checking or savings account

Netspend held my only funds for XXXX  days after a declined transaction on XX/XX/XXXX, with no release timeline unless I met vague merchant document demandswhich I provided multiple times, only for them to reject until I threatened legal action with attorney support on or about XX/XX/XXXX. As of submitting this complaint I still have not received my funds for use. As an XXXX food  stamp user in XXXX  with no income until starting work this week, this cost me {$XXXX} : {$XXXX} in late fees ( rent and XXXX bills ), {$XXXX} lost selling XXXX oz of silver bullion at {$XXXX} below spot ( yielding {$XXXX} vs. {$XXXX} market value ), and {$XXXX} in lost income from missed job interviews ( jobs paying $ XXXX $ XXXX, averaging $ XXXX for XXXX hrs/week over XXXX weeks ) due to no travel funds. Their delay risked my eviction and ruinonly after my threat did they admit confusion over rejections. This mirrors their $ XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) for exploiting low-income customers and $ XXXX FTC settlement ( XXXX ) for delaying XXXX XXXX pattern targeting disadvantaged users like me who often lack the knowledge to fight. I request {$XXXX} in monetary relief : {$XXXX} for direct losses, {$XXXX} for severe financial and emotional harm, and {$XXXX} to punish their systemic predation, proven by $ XXXX in prior penalties for similar wrongs. Investigate Netspendmillions of vulnerable customers are at risk from their unchecked actions.
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. 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 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. Please delete the following accounts : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
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 Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX  Account name : XXXX XXXX, has violated my rights 15 USC 1881 section 602 A. States I have the right to privacy.

15 USC 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furish a account without my written instructions 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 16818-2 ( AX1 ) A person shall not fumish 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

the car company reported late payment on XXXX, 2020 for more than 30days, I paid the company more than the regular payment on that month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 7 years I have disputed this fraudulent account with Bank of America. They have refused to remove it from my credit report. 

I have submitted everything they requested : the police report, affidavit, soc card, drivers license, letter from my bank. 

I have called several times with in the last 3 months and was told that this inaccurate information would be removed and I would receive a confirmation letter. *NEVER* received any letter and it is still showing up on my credit report.
Product: Debt collection

i HAVE A COMPLAINT AGAINST XXXX XXXX, IC SYSTEMS, CCS COLLECTIONS AND XXXX XXXX XXXX, COLLECTION ACCOUNTS. MUST BE REMOVED. .ACCORDING TO THE 15 USC 1681A2 STATES THAT I DID NOT GIVE WRITTEN PERMISSION TO HAVE THESE ACCOUNTS FURNISHED ON MY CREDIT REPORT AND THEY MUST BE REMOVED.