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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.
Product: Credit reporting

At the start of 2016, I placed credit freezes with all XXXX credit reporting agencies. I was given 'pin ' numbers in order to set the freezes up. Now I want to apply for additional credit and a car loan. I placed temporary credit lifts with XXXX and XXXX with no problems. However, Equifax refuses to temporarily lift my credit freeze. They want me to send them my credit card number for payment. This service is supposed to be free here in Indiana. They are saying it is free for 'protected ' individuals only. If this is so why did the other XXXX agencies lift the credit freeze for free. For your info I am a XXXX individual. I have been in contact with Equifax continually to no avail. They are deliberately holding me hostage to this credit freeze until I pay them. This is extortion.
Product: Student loan

Mohela automatically placed my loans on deferment due to being enrolled in XXXX credit hour. I requested the deferment be removed so that I could continue making payments to count toward my PSLF, submitting the form on XX/XX/XXXX. The form is still processing, as of XX/XX/XXXX. I called them and they said there is nothing they can do to speed up the process. I don't understand why I am in deferment based on XXXX credit hour of enrollment. I am also concerned about the amount of time it is taking them to respond. The longer it takes, the longer I will need to repay my loan for PSLF.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

credit agencies reporting outdated public records and not my accounts same information 3 times on file, remove all tax liens from file REF # XXXX, REF # XXXX, REF # XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Unclear of what debt this is. I called to inquire and was given another acct # XXXX and told I would received a call back. I never did.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I have no knowledge of them, and the company did them without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax XXXX and experience concerning my student loans which were discharge as of XX/XX/2020 unfortunately they are still affecting my credit and because of the discharge because of my XXXX they should no longer be affecting my credit as a matter fact they should be on my credit at all because of a discharge I have tried several times to get this resolved and steal all three of the credit Bureaus continue To report this derogatory information these items should no longer be on my report at all so I asked them to remove them and unfortunately they have refused to do this.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that numerous transactions have been inaccurately reported. Pursuant to Title 15 U.S.C 1681a ( 2 ) ( A ) ( i ), a report should exclude information solely related to transactions or experiences between the consumer and the reporting entity. Unfortunately, the inclusion of such transactions has resulted in significant financial hardship and has had adverse effects on both my mental and financial well-being.

I would like to draw attention to Title 15 U.S.C 1681n, specifically addressing Civil Liability for willful noncompliance. According to subsection ( a ) ( A ), I am entitled to seek compensation for any actual damages sustained due to the failure to comply, or damages ranging from not less than {$100.00} to not more than {$1000.00}. 

Below is a list of accounts displaying inaccurate transaction reporting : XXXX. XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported XXXX XXXX XXXXXXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported This inaccurate reporting not only jeopardizes my financial standing but also raises concerns about the compliance of these entities with the aforementioned legal provisions. I am prepared to pursue appropriate legal action to rectify this situation and seek the compensation entitled under the law.
Product: Credit card or prepaid card

I have made a few payments to my new Apple, Goldman Sachs credit card. The funds I pay on the card, leave my bank account immediately but the credit card company whilst acknowledging receipt of the funds are not updating the payment against my card balance. 
Heres their messages below to me. 

I understand your frustration, thank you for your patience. Your available credit could take several days to reflect payments you've made with your bank account. I can confirm we received your payments. The payment of {$500.00} made on XX/XX/2019 will reflect on XX/XX/2019, the payment of {$250.00} made on XX/XX/2019 will reflect on XX/XX/2019 and your payment on {$1500.00} made on XX/XX/2019 will reflect on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 secured loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a secured credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a unsecured loan account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX balance of {$470.00} under the account number XXXX, and a collections account opened XXXX XXXX on XX/XX/XXXX XXXX a balance of {$580.00} under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Hard inquiries consist of XXXX XXXX  XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. 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, collections, and hard inquiries 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

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, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that 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 from the file of the consumer.

and accordin
g to 15 USC 1681s-2 they are suppose to 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

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.

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 instructons 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 vears. 

15 U.S.C. 1681s-2 ( AX1 ) 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: Debt collection

XXXX XXXX XXXX XXXX acct XXXX the original creditor so the account which is not account that I-opened I never lived at the address they have on file. I have filed a dispute with all three credit bureaus and since police report of my information being stolen due to a break-in in my car for my personal information was in last year in 2022. I have asked XXXX to remove all addresses that are not mine however they express that I have to go through the consumer financial protection bureau to dispute mine address and creditor needs to send me proof of original contract with my signature on the loan. They have recently got a hold of my new address not sure how however they recently started contacting me in regards to this account that is not mine I refuse to pay for an account that I did not open unless they show me proof that this is an account that I opened I am not liable to pay the account. XXXX told me to contact you in regards to disputing my issue with this credit company or a loan company. Help me resolve this issue thank you.
Product: Money transfer, virtual currency, or money service

To whom it may be concerned.

I am a customer of Fiserv and have a credit card processing account. 

My funds have been illegally held since XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fiserv has not emailed me or called me about this. When I called again today to ask what I can do to resolve this, they said they sent a letter to an old address I lived at over 6 years ago. 

The first time I reached out to them on XX/XX/23, my funds were held, and I wasn't able to speak to somebody until XX/XX/23. After that call, the woman on the phone ( XXXX XXXX ) assured me that the issue is resolved and all holds are lifted from my account. 

Shortly after that, just 8 days later, they silently blocked my deposits again, although this time I didn't get a call or an email about it like I did last time. 

Over the past month, I've lost valuable employees and I have over {$15000.00} being held illegally, and I'm not able to get in touch with anybody to resolve the issue.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and it was showing two 30 day lates, I called XXXX XXXX and disputed the entries and the rep wasn't able to explain why 30 day lates where showing. I requested they be removed and they haven't been removed. I sent the dispute in writing, I also sent an Opt Out disclosures and the Civial Liability laws requesting that they be removed.
Product: Debt collection

My complaint is against a company known as " Debt Recovery Solutions , LLC ''. This company is attempting to collect on a debt that has already been paid. When I called to get the information on the account they were extremely rude and misleading. First and foremost, the company did not provide validation of the debt even after I called them on and emailed them on XX/XX/XXXX. I sent them a receipt for the debt that was paid and when I paid it with XXXX XXXX. Secondly, I called XXXX  XXXX XXXX XXXX XXXX Nevada and had them confirm there was absolutely no other debt owed, or sent to collections. XXXX XXXX XXXX XXXX XXXX Nevada mailed me a document with all the account number showing everything has been paid and resolved. I am filing this complain because this needs to be removed from my credit as it is effecting me negatively. Especially in which the way they are reporting the trade line. This medical claim was back from XX/XX/XXXX, they have it reported as being opened on XX/XX/XXXX. Needless to say, this should be removed as I do not owe anything to this company.
Product: Credit reporting or other personal consumer reports

My Transunion credit report hasn't been updated since XX/XX/XXXX. it has alot of outdated information which is causing me issues with new credit and posting wrong information that does not belong to me and has a fraud alert that shouldn't be listed. There are old addresses that are not associated with me. my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove all other addresses. My information was compromised before and this information needs to be deleted. There are 3 inquiries that should have been removed in XXXX that has not been removed and its reporting in accurately thats against FDCPA and FCRA. This goes against the bureau 's ; laws. I am suppose to be getting approvals however I am getting denials on falsely reported data. XXXX and XXXX all are reporting outdated data and inquiries that have not been removed its been 5 years. its a bunch of fraudulent addresses im sure they know a person cant move all those times and my name is incorrect and differs from my license. They are paid by creditors to furnish outdated debt through a system called metro 6. this is a conflict of interest and unfair to citizens that pay their bills on time, this has put me in a financial bind
Product: Credit reporting or other personal consumer reports

XXXX I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I maintained an individual bank account with PNC bank with their virtual wallet account, which consists of XXXX separate accounts, I asked earlier that the entire " wallet '' be CLOSED, and any balances be transferred to my joint wallet account with my husband, The bank confirmed the closing and the transfer, Somehow, the bank imposed a XXXX fee on the closed account, and I have received XXXX letters, copy of XXXX attached, insisting I am OVERDRAWN and that action will be taken if I do not settle the overdrawn account? I contacted the bank, and was advised it was an error and that they had not closed the account properly, Yet I still receive these threatening letters, I am therefore filing a formal complaint regarding a debt I do not owe, and never owed, I expect the bank to issue a formal letter to me stating there is no debt, and also stating that any negative information sent to any of the XXXX major credit bureaus and to any other credit reporting services has been removed, and I want confirmation from those bureaus that such action was taken, The bank should be sanctioned for issuing this letter in the XXXX place, and not voluntarily issuing a correction letter when it recognized its error, Please advise action taken, ( most recent letter attached to this complaint
Product: Checking or savings account

Capital one bank is having some sort of outage since XXXX XXXX and is now XXXX XXXX XXXX  and I am still waiting to receive my direct deposit from my employer. This have caused a huge strain where I have given trust to capital one to keep my funds safe and assessable and that has not been the case. I should never have to not be able to access my money due to a situation not of my own this is damaging and causing a huge strain in my household.
Product: Credit card or prepaid card

I opened my Discover Secured Credit Card in XXXX and around XXXX or XXXX of XXXX, Discovers automated systems raised my credit limit and graduated me from a secured card to an unsecured card. Discover claims that in the automated email, they would refund me for my security deposit and that I would receive it in a timely manner. It has been 5 months since Ive graduated and Ive made countless phone calls to Discovers customer service team about my security deposit being refunded and every time, I was given a different date, false information and promised call backs. As of writing this complaint, I was supposed to receive one today but I never received it. During the time Ive been speaking to Discover, they first sent out two checks, claiming to be in a blank envelope for security purposes and neither one of those two envelopes arrived this can be confirmed via USPSs Informed Delivery feature as well as the fact that I have received billing statements from Discover in the mail, without issues. Third time I had a call with Discover, they claimed that they were going to do a ACH to my bank account. I called back and forth with Discover for additional information and each time, they keep changing the dates. This has been a ongoing issue ever since Ive graduated from a secured card with them.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account has been closed since XXXX and its passed the statue of limitatiions with that being a voilation itself. Not only have they been reporting this acct as open since XXXX but that it was closed in XXXX. This is very inaccurate and they also claim that the last activity happened on XX/XX/XXXX when this account has been closed since XXXX. They keep sending me letters each time I dispute this and everytime they send a letter they inform me that the updated the info. First of all they never update anything and now I see that they are showing the last activity being XX/XX/XXXX. all of this info is inaccurate and they do not do a proper investigation and it comes back as accurate. I have went round and round them and their incompetance to properly investigate and remove this acct is costing money because my interest rates are higher if I want to purchase a car because of this error. If this is not removed, I will be contacting an attorney to take the next steps in suing Transunion.