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. Account Name : XXXX XXXX XXXX XXXX  Account number : XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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 card or prepaid card

I was a victim a scam who forced me to buy four ( 4 ) Gift Cards in the amount of {$500.00} each, fortunately the scam did not work therefore I'm trying to get my money back but, the two companies who are governed by the same financial services I have the cards in my possession and the purchase tickets although I comply with their demands the results are futile, they have going and circles and no answers and no results either. The companies in question are XXXX ; distributed and serviced by inComm Financial services inc ; the other two cards are issued by XXXX, XXXX. both cards are serviced by the same institution inCommFinancial services, both has the VISA Logo
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Student loan

My initial loan was with the servicer XXXX and it was then transfered to Aidvantage without my consent. Which is a violation of the Family Educational Rights and Privacy Act 1974 which states, Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure.The Privacy Act provides protections to individuals with the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. They also violated 15 USC 6802 which states, Financial institutions must provide consumers with a notice that complies with section 6803 of this title. This notice must clearly and conspicuously inform the consumer that their information may be disclosed to a nonaffiliated third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/XXXX and notice there were hard inquires that have no permissible purpose to be on here. These hard inquires are hurting me from getting approved. I already reached out to the credit bears multiple times and they keep violating my rights under 15 USC 1681B. I have also attached the hard inquires that don't have purpose to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2023, I purchased a belt from XXXX XXXX. I had a change of mind due to the quality and cost of the belt. The item was returned by mail back to the sender in all of its original packaging on XX/XX/2023. To my surprise, I received the same belt back in the mail without prior notice. A letter in the package claimed the belt to be unauthentic and the company will charge my credit card for the full amount of {$610.00}. I immediately filed a dispute with Chase Bank and received a notice of valid charge in the app under Notices and Letters on XX/XX/2023. Chase Bank claimed they reached out to me to follow-up regarding the dispute and closed it due to no response. However, I never received any phone calls or email from them. XX/XX/XXXX was the most recent document posted as seen in attachment. I appealed the decision with a written letter to Chase Bank as instructed by a representative via phone. On XX/XX/2023, I received an update on the dispute. Chase Bank once again sided with the merchant and concluded the charge as valid although they state that my complaint to the merchant is valid. While you may have a valid complaint with the merchant, the results of our investigation confirm that the transactions are valid and no billing error occurred on your account. As a bank this is unacceptable and I feel wronged as a client. Chase Bank website claimed consumers are protected from : A product or service you received and are dissatisfied with. However, this is simply not true and Chase Bank should face a class action lawsuit for deceiving consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX allowed placement of a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. Within days of filing the initial dispute for the fraudulent account with XXXX, XXXX XXXX XXXX placed the same account on my credit report ( s ) a second time. XXXX resolved the first dispute in my favor and  immediately initiated a dispute for the second placement on my credit report, which is not yet resolved, which makes no since considering it is the same exact fraudulent account that they had just removed. Today, XX/XX/2018, I received an email from XXXX that the XXXX XXXX has now placed the same fraudulent account on my report a third time. XXXX, Transunion, XXXX and XXXX XXXX XXXX are in violation of the FDCPA by allowing a previously disputed and documented account as fraud on my credit reports, attempting to collect a debt that has proven to be fraud, is more than 10 years old and by repeatedly allowing the account to be placed on my credit report and by placing the fraudulent account on my credit report even after the Credit Report Bureaus have resolved the account as fraud.
Product: Credit card

Discover advertises a XXXX % cashback bonus on all purchases a consumer makes with a Discover card at a gas station. On XXXX, I made a {$46.00} purchase at XXXX with my card ending in XXXX. Discover failed to issue its advertised {$2.00} cashback bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am self employed the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following account Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX  XXXX I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX
Product: Credit card or prepaid card

recieved a late fee charge of 100 % on an overdue bill of {$23.00} on the first day overdue. the card was though amazon and the bank is Chase.
Product: Checking or savings account

On XX/XX/2023 I contacted TD Bank to inform then that my interest has not been calculated appropriately for the last couple of years. I have over the years visited branches to complain about the interest as compared to fed rates. Each time the give me a whole story about if I change to a different account I would get more interest. After changing to different products and even putting money into a CD deposit I am only seeing pennies on the dollar, compared to the amount of money I have held in the account and advertised on there websites. I have maintained various balances with the expectation of receiving appropriate interest. 

I am sure that they are doing this to scores of customers. When I contacted them I spoke to someone named XXXX who informed me that I would be contacted on Thursday by a branch manager named XXXX XXXX no last name given ) four ( 4 ) business days later I have yet to be contacted. Right before I hung up XXXX asked would I like to be transferred into yet a different savings account product. I told them that they first had to explain to me where my interest on my money is first.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, BOA ran a hard inquiry on my personal credit report with XXXX. I was applying for a business account using my business 's XXXX number. My business 's credit report should have been run not my personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Credit Collection Services, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report i have found a few items that are being reported inaccurately by Experian and request that they comply as i look to have an accurate updated credit report reporting only accurate information.
Product: Credit reporting or other personal consumer reports

My bank accounts were looked at and into a lot more then normal monthly
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card

I have two capital one credit cards and I have been being charged XXXX in interest for the last few ones. It has been XXXX, than XXXX and now up to XXXX. In XXXX there was a charge of XXXX dollars that I did not approved taking out of my account also and was not applied to the account balance.
Product: Student loan

My complaint is with American Education Services ( AES ) who maintains the original private student loans taken out XX/XX/XXXX through XXXX XXXX XXXX XXXX. 
My son attended XXXX which was part of XXXX XXXX at the time and is now part of XXXX XXXX. I co-signed for the " Private Student Loans '' so he could attend this school. 
I requested additional information from AES with regard to a XX/XX/XXXX CFPB newsletter about Relief for Students of XXXX. Specifically what steps need to be taken and if there are forms to fill out for student loan relief. 
The CFPB newsletter states the loan servicer will notify us " if '' we benefit from this agreement. I had not been contacted directly by my loan servicer American Education Services ( AES ) in the ( 7 ) months this agreement was published. 
I decided to contact them myself on XX/XX/XXXX & XX/XX/XXXX to request information about this settlement. They directed me to contact the US Dept. of Education - Waste, Fraud and Abuse by phone. The phone number mail box if full and messages can not be left and you can only call on certain days. This particular phone number was associated with federal student loans not private. They also directed me to the studentaid.ed.gov website and stated there " should be '' forms available to fill out and submit. The forms appear to also be directed toward " federal student loans '' not private. I called AES again speaking to another representative who stated they needed some type of a form from CFPB authorizing student loan relief. 
I feel my son and I are eligible for this student loan relief based on the lack of job opportunities in his field of study the XXXX representative stated were in high demand and with excellent pay so affording the student loan repayment should not be a problem. Job placement from XXXX consisted of a limited list of " potential '' employers some of which when contacted were not hiring at all. Another employer my son contacted stated that they did not have good luck with XXXX students. My son is still not working in his field of study 10 years later. These types of recruitment tactics used by XXXX are fraudulent in my opinion making our student loans eligible for student loan relief. 
American Education Services appears to be unaware of what information is needed to resolve this issue or is unwilling to help. 
Can you please clarify what it is I should be doing to apply for this student loan relief and direct me to the correct forms to use if any? Is CFPB able to contact American Education Services and provide them the information they need to start this process?
Product: Student loan

I have a large student loan debt with Navient ( formerly XXXX XXXX ) due to going to medical school. I understand having to pay interest on all loans, however, I do not understand how over the last six years since being done with residency, I have paid a total of {$180000.00}, {$150000.00} of which has gone to interest and only {$32000.00} toward principal. 
Over these last six years the yearly amount of principal paid is as follows : XX/XX/XXXX : {$6400.00} XX/XX/XXXX : {$860.00} ( yes, this is correct ; less than one thousand dollars ) XX/XX/XXXX : {$6100.00} XX/XX/XXXX : {$7300.00} XX/XX/XXXX : {$2600.00} XX/XX/XXXX : {$9200.00} I 'm happy to include any documents needed. 

Having this large debt persist has prevented me from being able to purchase a home and, hence, I have been losing money in rent. 

In XX/XX/XXXX, I wrecked/totaled my vehicle and had difficulty getting approval for a new one.

I 'm desperate for help in this matter and the idea/hope for some form of resolution to this. 

Thank you for your time
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Accont name : SKOPOS FINANCIAL Account Number : XXXX Installment
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed 2 closed Conns collection efforts which were passed on to XXXX XXXX while asking for validation/verification of the debt 3 times. These were removed from my credit reports from the 3 major companies after being unable to validate / verify the tradeline, and then illegally reinserted as new ( according to XXXXXXXX ).

The two tradelines are from XX/XX/XXXX and XX/XX/XXXX. Both accounts show closed. Both were removed and then reinserted illegally without informing me as to why. The 30 days have passed twice. 

According to the laws I can find - Conns has 30 days to validate / verify the debt in writing upon my reasonable request ( I've requested at least 3 times now ) with zero reply. 

The required time has passed. Please remove these from my credit report.
Product: Debt collection

On XXXX XXXX, 2017 I received a letter stating I owed ERC ( XXXX XXXX XXXX ) a debt of {$360.00}. The letter references XXXX XXXX which I do not have and have not had. I called the number provided by ERC ( XXXX ) and gave them the reference number and account number on the debt they mailed me. After providing them with my information and the information of the letter, several representatives were not able to find any account or debt listed under my name. The letter states that they are going to report this on my credit score if I do not respond. I 'm very upset and believe they have the wrong information because I do not have XXXX XXXX  and they were not able to find my " debt '' with information THEY sent me. I believe they are fraudulent accusations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request that XXXX XXXX immediately cease and desist from reporting any information regarding Account # XXXX to any consumer reporting agency, as defined by the Fair Credit Reporting Act ( FCRA ). This letter serves as an official notice of my intent to exercise my rights under the FCRA. 
As the account holder, I assert that the information related to Account # XXXX should no longer be included or reported in my consumer report. I am invoking my rights as outlined in the FCRA, particularly under Section 623 ( a ) ( 7 ) and Section 623 ( b ) ( 1 ).

I hereby demand that XXXX XXXX refrain from reporting any information about Account # XXXX to any consumer reporting agency, including but not limited to Equifax, XXXX, and XXXX. This request is made in accordance with my rights under federal law and regulations. 
Please acknowledge receipt of this letter in writing within 10 days from the date of your receipt. Furthermore, please provide written confirmation that you have taken the necessary steps to comply with my request and that no further reporting of Account # XXXX will occur. 
Failure to comply with this cease and desist request may result in legal action, as provided for under the FCRA. I trust that we can resolve this matter amicably and without the need for further escalation. 
Thank you for your immediate attention to this request. I expect a prompt and satisfactory resolution. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I sent a certified letter to Equifax to investigate how they are reporting a payment status on a closed account. They did not respond so I sent a follow up letter in XX/XX/2022. I received a response that they " verified with the creditor that it is reporting correctly ''. 

I believe this to be a ridiculous response considering, 1 ) The account is CLOSED and was paid in full 2 ) The payment status is not reporting inaccurately because of the creditor it is the way Equifax is reporting it 3 ) A payment status is to report as the " CURRENT '' Payment status.

4 ) They are reporting a derogatory payment status on a paid in full closed account. 

Equifax is reporting it as ; '' Not more than two payments past due '' The two year history shows ALL ON TIME PAYMENTS., The account is closed and paid in full. THEREFORE the Payment Status should read " PAID AS AGREED '' This is an FCRA VIOLATION- and if not corrected I will pursue legal action for their blatant disregard for the law. This is harmful to my credit score and is completely inaccurate. 

Ive included both certified letters, as well as a copy of my credit report with the inaccurate information highlighted.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts and inquiries from my credit report. I am a victim of a recent data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed to prevent further misuse of my personal information. 
Accounts to Be Blocked and Deleted : XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX has been reporting wrong adress they stae your company has been giving them the adress the adress is associated with identity theft can you update this adress and send me copy that they have been notified or updated on my email XXXX, my infomation keep being stolen