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

15 U.S.C. 1681 sec.602 A. States I have a right to privacy 15 U.S.C. 1681c 2 sec.605 B. a consumer reporting agency shall block any information consumer identifies as information as a result of identity theft.DELETE not later than 4 business days after the day of receipt. It has been 7 days ; You are in violation! acc- XXXX  15 U.S.C . 1666b : A creditor MAY NOT treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose. DELETE LATE payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter out to the 3 credit reporting agencies on XX/XX/XXXX to have Barclays Bank Delaware removed off of credit reports. Account was open XX/XX/XXXX and shows closed on XX/XX/XXXX and charge off XX/XX/XXXX. extremely confused as to why this is still on credit report and reporting company has so many inaccuracies on my credit reports each month.
Product: Debt collection

My SSN was stolen and used to open numerous credit accounts. Among them was a XXXX wireless account. When I discovered this, I immediately called XXXX asking them what I needed to do to close the account and file a fraud claim. I followed their directions and submitted the requested paperwork including the police report, customer receipt and proof of address. they determined that it was not fraud and have been attempting to collect on this bill. They have since sent it to a collection agency and I am getting calls everyday.
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 confidentially under 15 USC 1681. 
XXXX XXXX- Account Number XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX- Account Number XXXX XXXX XXXXAccount Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX- Account Number XXXX DEPT OF EDUCATION/XXXX- Account Number XXXX XXXX  DEPT OF ED/XXXXAccount Number XXXX XXXX XXXX XXXX- Account Number XXXX XXXX XXXX  -Account Number XXXX 15 USC 1681 section 602 A. States i have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c ( 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 reports more than seven years.

15 USC1681s- ( 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.
Product: Student loan

I never requested my loans to go into in-school deferment and always paid towards them every month in XXXX : XXXX, respectively. I have XXXX payments in which Fed Loan Servicing has not counted as qualified payments despite my several request.. 

Fed Loan Servicing has already acknowledged by letter that my in -school deferments were removed on XX/XX/XXXX and forbearances were removed XX/XX/XXXX for the periods mentioned ( XXXX ; XXXX ). The in-school deferment was removed due to the School Related Deferment Waiver Form I made at least 39 payments during this time, if not more, and should have these payments moved as qualified payments. I have asked how to make this happen, and was told to request a bill be generated. I have requested for a bill to generated several times for the system to capture these 39 payments on three occassions via phone on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have also called to inquire in XXXX, and have sent notices via the website and have uploaded supporting files. 

I am complaining to the CFPB since Fed Loan Servicing is my student loan servicer, knows of the 39 payments, as well as have sent me a copy of my payments which actually totals more than 39 payments. I am asking that Fed Loan Servicing generate a bill for all payments where my in-school deferment waiver was approved, in which I was told will allow my qualified payment count all 118 payments I made under the PSLF and TEPSLF student loan forgiveness program. My loan should be forgiven or close to with forgiveness with having 118 out of 120 payments discovered as of XX/XX/XXXX. My original PSLF application was submitted in XX/XX/XXXX. I have had and still have a qualified employer job since XX/XX/XXXX up to the present. I have made, at a minimum that has been found to date 118 payments as of XX/XX/XXXX. 

I never requested my loans to go into in-school deferment and always paid towards them every month in XXXX. 

Any months in which a customer had time in a repayment status, regardless of the payments made, loan type, or repayment plan ( as with the Limited PSLF Waiver ), should be counted as qualified payments. 

I would like my count of qualified payments updated immediately, and able to prepay my last two months of payments to secure PSLF and TEPSLF Loan Forgiveness.
Product: Credit reporting or other personal consumer reports

This complaint is because Im very worried and concerned about my investigation results. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Inaccurate/Invalidated Information/Identity theft : This account is not mine I did not authorize it. This account also has an inaccurate payment history across other credit reporting agencies. 


The information for some reason is still incorrect and is wrong. I dont understand how they could have done a good job at investigating when the go some things. If the information was not mine and incorrect they were supposed to fix it according to 15USC1681i ( 5 ) ( A ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the info the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted form the file of the consumer. 

XXXX XXXX XXXX Account Number : XXXX This is not my account and should be blocked from my credit report also the following look to also be incorrect on that account [ Account type, Status, Balance Updated, Payment history ] Please remove this immediately its causing unwanted stress and its preventing me from getting my 1st first home.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX SS # XXXX ID # XXXX DOB XXXX todays date XXXX AS OF XX/XX/year> I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX 15 U.S. Code 1681c-2 I HAVE RECENTLY DISPUTED THIS FRAUDULENT ACCOUNT I NEVER GAVE MY WRITTEN CONSENT TO FURNISH CREDIT REPORT has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports 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. at resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

15 U.S. Code 1681i - I ( 7 ) THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER OF FRAUD RECEIPT - 15 USC 1681B - PERMISSIBLE PURPOSE
Product: Credit reporting, credit repair services, or other personal consumer reports

Under public records the following are still reporting on my credit report when the accounts are too old and should be removed off my credit report. 
XXXX XXXX XXXX  settlement accepted date XX/XX/XXXX Jpmcb card services settlement accepted XX/XX/XXXX XXXX XXXX  XXXX settlement accepted XX/XX/XXXX 2015
Product: Credit card or prepaid card

I have an unauthorized charge from XXXX and the credit card company refused to remove it when i called multiple times to dispute the charge. At first they said to call back with additional information to have the dispute resolved. then they refused to remove the charge and said the case was closed when I called back to follow up with additional info. 

I also called XXXX who said they have no record of the purchase, even though XXXX charged the card.
Product: Checking or savings account

Randomly got a call and letter stating that my account was being closed without reason after 14 years of banking with them and never received my funds that were left in the account
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 Account Number:XXXX has violated my rights. Or a list of inquiries : 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 have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX  Inquiry : XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX Inquiry : XX/XX/2023 ; XXXX  Inquiry : XXXX. XXXX XXXX ; XXXX XXXX : XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting

Now that have disputed Equifax , I am getting letters and phone calls from XXXX stating that they were formerly XXXX XXXX in 2004 and I have not answered their calls because they have been notified by my lawyer XXXX XXXX XXXX ( Twice ) that do not call XXXX XXXX. All questions are to be referred to him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to try and get some help with some inquiries that were stated to be removed initially, but are still on my credit report. You sent me results of your investigation stating that the following inquires were deleted, yet two still remain on my credit file. The lady over the phone refused to help me over the phone and told me that the inquiries were valid. How does this make sense? The results of my investigation said they were supposed to be deleted. Most of the inquiries were removed but two that were stated to be deleted still remain my credit report.
Product: Checking or savings account

I called today to close my checking and savings account with PNC bank. The representative, without my permission, unilaterally transferred the XXXX XXXX  remaining in my savings to my checking account. The balance of the checking account is almost {$1500.00}. After making this unauthorized transfer, the PNC computer system would not allow immediate closure of my primary checking account which means I will have to call back another time to do so, AND there will be a considerable delay in me receiving my funds which will in turn cost me the interest that money would earn in another account.
Product: Checking or savings account

wells fargo wants me pay back a XXXX dollar balance for checks they allowed into my account how is that possible when my account was reported hacked an cards stolen the signature they have on the checks is not my signature i have tried to resolve this issue but due to the fact wells fargo failed on securing my account by letting a person breach my account with a fradulant signature again i reported this incident more then once being able to provide evidence of me reporting before during and after the incident yet im still being hit with the charges due to lack of security an responsibility on the branches end
Product: Credit reporting or other personal consumer reports

several account were sold to collection agencies with out my consent I do not owe these agencies based on original contract. Due to data breach of credit reporting agencies my person data was breached affecting my credit report. Many of my personal informations are incorrect on my person credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with all three credit bureaus about old inquiries that were on my credit report that I did not authorize some from car dealers and XXXX XXXX XXXX and mortgage loans that I did not authorize was told to contact the companies which I did and still they refused to remove the unauthorized inquiries
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least XXXX sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!
Product: Debt collection

Subject : Request for Removal of Duplicate Collections on Disputed Debt Ref : Jefferson Capital LLC XXXX XXXX XXXX, XXXX XXXX, MN XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of duplicate collections from my credit report regarding a disputed debt from XXXX XXXX. The debt in question amounts to {$880.00} and has been erroneously reported by multiple collection companies without proper notification or validation of the original debt. 

I have noticed that this disputed debt has been placed on all three credit bureaus ' reports multiple times, dating back to XXXX, with at least three different collection companies. This action is in direct violation of several federal regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. XXXX XXXX 2. Jefferson Capital LLC XXXX XXXX XXXX, XXXX XXXX, MN, XXXX a. I am sure there are others to identify! 

I would like to bring your attention to the following violations : 1. Lack of Written Notification : Since the inception of this dispute in XXXX, I have not received any written notification from any of the collection companies regarding the placement of the debt on my credit report. This is a clear violation of the FCRA, which requires collectors to inform consumers in writing within five days of the initial communication. 

XXXX. Failure to Provide Debt Validation : None of the collection companies have provided adequate validation of the original debt, as required by the FDCPA. Despite multiple requests, I have not received any documentation or proof of this debt. 

3. Reporting Duplicate Collections : The same debt has been reported multiple times by different collection companies, leading to inaccurate and inflated reporting on my credit file. This violates the FCRA, which states that credit reporting agencies must ensure the accuracy of the information they report. 

Considering the violations mentioned above, I kindly request that you remove all instances of duplicate collections related to this disputed debt from my credit report immediately. Additionally, I request that you conduct a thorough investigation into the actions of the collection companies involved and take appropriate measures to prevent such violations in the future. 

Enclosed with this letter are copies of relevant documents, including previous correspondence with the collection companies and evidence of my attempts to resolve this matter. I urge you to review these documents during your investigation. 

I trust that you will handle this matter with the utmost urgency and professionalism. I look forward to receiving written confirmation of the removal of the duplicate collections from my credit report within 30 days, as mandated by the FCRA. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address provided above.
Product: Credit card or prepaid card

I applied for a walmart capital one card. I was approved. I spent {$50.00} on the card and then capital one blocked the card and asked me to send documents. Which i did. They gave me a hard time saying they couldnt accept the proof of electricity from the electric company or the bill because i had just switched from prepaid to post paid and my bill said disconnection. I explained that was why i sent the proof letter as well. They told me to resend my docs. I did. They sent me a letter saying they couldnt verify me so they closed the account for fraud. Im receiving bills and late fees for an account they closed due to them not believing my identity. Why am i being held responsible? I called and ask why am i responsible if they said the account was opened fraudulently. I was told they didnt have an answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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 XXXX Company Inquiries : XXXX/XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

I called my mortgage company on XX/XX/XXXX regarding payments that were sent to my account and not applied correctly to my mortgage. I was told I still owed for the month of XXXX despite the fact I have been sending several payments.I was told to submit a payment dispute, which I did on XX/XX/XXXX by email. Called the next day to confirm receipt they stated they didnt receive even though I have the automated response stating they did. I was told to resubmit request by fax on XX/XX/XXXX they received the fax. I called back 4 days later and left a message. I was told a supervisor or someone would call me back within XXXX hours. That never happened I have been calling once a week since to get a resolution to my payment dispute. I have the money for my remaining bill but refuse to send FayServing anymore money until they call me regarding my payment dispute and they fix my account. Today is XX/XX/XXXX. I have yet to speak with anyone but I received a letter in the mail for intent to foreclose by XX/XX/XXXX. I have been in good standing on my loan for the past XXXX years. In XXXX & XXXX I was late was making a payment a few of my scheduled payment were insufficient but I made sure I sent in payments after those payments was returned. XXXX is when all heck broke loose and no one will call me back. noone has resolved my issues yet. This is not how a mortgage company is suppose to handle their customers, especially the elderly. XXXX XXXX XXXX XXXX XXXX I should not be going through this at all. XXXX tired and dont want to try to steal my house from me bc of their incompetence. To date I have {$3600.00} on hand to cover my XXXX, XXXX and partially XXXX mortgage payments but will not send Fayserving a dollar until I can speak with a XXXX XXXX XXXX XXXX 
Thanks