23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Receivable mgmt Corp is a company that is committing fraud. I have asked several timenumerous times for this company to submit documentation for this XXXX. I was advised for the first 2 years up until 1 month ago it was for a different name and I confirmed it was not me so it was disputed as fraud which was correct. Until one month ago I was told it was for my son who I have confirmed it was not true because he had two insurance that was presented and I have not received no other bills for. I I also request for a HIPPA  release because this company is very much in violation and I have not sign anything for release. I was advised that nothing can be sent for this dos as proof for anything. This company and changed their stories twice. We are at the back door of a lawsuit. If the records are reviewed you will see up until last month I was either told I had nothing there or the account belong to me and the dos given was incorrect and the name was wrong. I will not stop. I want this off my credit for incorrect reporting. It is wrong. I will not stop until I exposed rec mgmt Corp. I work hard for my credit and I will not have a negative reflection from a company that I didnt earn. I will NOT PAY NOTHING TO THIS COMPANY and will be request more than {$820.00} in court for violation ( HIPPA ) and stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I made a payment of {$38.00} on my XXXX XXXX XXXX   credit card account. This brought my balance from {$290.00} to {$260.00}. Unfortunately, on XX/XX/XXXX Equifax erroneously reported a past due amount of {$76.00} which resulted in a derogatory account being reported on my credit history. Furthermore, I called the creditor, specifically XXXX XXXX XXXX, who verified the account was not past due and was never reported to Equifax as having a past due amount.

As a result of the erroneous reporting my credit score dropped and/or declined by 28 points. I've disputed the error and/or erroneous reporting with Equifax, demanding correction of the erroneously reported past due amount and reinstatement of my original credit score. Unfortunately, Equifax has not responded to my request neither has it restored the 28 points lost due to its erroneous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain accounts from my credit report as I am a victim of a recent data breach. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file.

Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I called Navient to ask for a XXXX Temporary Forbearance, just like I have for the last XXXX  months, and was told that I needed to meet a standard before this request could be granted. 

I then asked to be transferred the XXXX 's office and was denied. 

The last XXXX months all I had to do was ask for this relief without any questions being asked. This time I felt as though I needed to beg for this help and I was still denied being transferred to the office that I needed. 

Everyday items, like groceries and gas, have rising prices that are making it difficult to meet this obligation. 

Please have the XXXX 's office at Navient contact me either at my phone number, XXXX XXXX XXXX, or via e-mail : XXXX Thank you for your kind attention to my situation!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Metro 2 Compliance and FCRA Violations Dear Credit Reporting Agencies , I am writing to formally address concerns regarding the accuracy and compliance of my credit report as it pertains to the Metro 2 guidelines and the Fair Credit Reporting Act ( FCRA ). 

I have identified several accounts that contain adverse information which I believe does not comply with the required standards. The highlighted accounts in my report were found to contain inaccuracies that violate the FCRA 's mandate for accurate reporting. 
Specifically, these accounts do not adhere to the Metro 2 compliance requirements that ensure the integrity and fairness of credit reporting. In light of these findings, I request that you conduct a thorough investigation into these accounts. If it is determined that they are indeed in violation of the FCRA and Metro 2 guidelines, I ask that you delete all adverse information associated with these accounts from my credit report promptly.

I appreciate your attention to this matter and look forward to your swift response. Please inform me of the outcomes of your investigation within the timeframes stipulated by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit card or prepaid card

Recently I did an investigation on my credit report which caused severe XXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit card

I had an argument over the phone with a very rude and vengeful representative from Capital One Credit cards last year because i did not want to provide them with my phone number or nys driver 's license. That agent did something vindictive and flagged my account for identity fraud.

Now, i can not access my online account and i have no idea how much i owe. I am frozen out unless i give them my driver 's license ( which i refuse to do because i do not trust Capital One with my info ).

I will give my personal info to the State of NY or CFPB because i trust you but not Capital One.

My most recent of 3 follow up calls to them was XX/XX/XXXX, but i can not provide you with amounts owed because they will not give me any info.

Please help me to : 1 ) receive my rewards owed to me on both my credit cards 2 ) provide me with the PAYOFF amounts and i will pay it in full 3 ) Close both my card accounts AFTER i receive rewards owed to me.
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 : XXXXXXXX XXXX XXXX  XXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name : DPT EDXXXX # XXXX, Account name : DPT ED XXXX # XXXX, Account Name : XXXX XXXX  XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX 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: Checking or savings account

On XX/XX/XXXX my account was froze due to someone sending me money via XX/XX/XXXXon the XXXX then disputing the charges. It is now XX/XX/XXXX and i still have no access to any money in my account. I was told to call the person that disputed the charges and ask them to withdraw from the dispute but i am no longer in contact with them because they blocked me due to wanting the money back from the bank. I have been without my money for 20 days not able to have any access and not told any information. They wouldnt even allow me to go to a bank teller with my identification to pull some of the money out.
Product: Debt collection

I went to check my Experian credit monitoring account and saw a negative report for a bill owed to XXXX for a cell phone bill. The amount is for {$3600.00} and was updated as of XX/XX/2023. I do not own nor ever owned a XXXX XXXX phone or any other services with XXXX. I have a block on my credit report and have had it for some time. I contacted Experian on XX/XX/2023 and was told to make a report as I am doing right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/2022 I disputed XXXX XXXX XXXX ( XXXX XXXX XXXX ) .I the dispute was Marked verified. I reportly asked for evidence to support reporting verified but failed to provide any proof. 
I have as ask them to give me the process, names of verification. The bureaus have not came with anything at all. Which is the FCRA 611 ( a ) ( 7 ) violation.

Violations Fcract 807-8,15USC 1681n,1681i,1681s-2,1681i ( a ) ,611,616,617,623 ; 602 ( A ) ; 604Asec2
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ XXXX, XXXX, TransUnion ] for Violation of FCRA Complaint Details : Summary : I am filing this complaint against XXXX, XXXX, and TransUnion for failing to provide a method of verification for disputed items on my credit report and for repeatedly sending stall letters despite verifying my identity. These actions violate the Fair Credit Reporting Act ( FCRA ) and hinder my ability to ensure the accuracy of my credit report. 

Detailed Explanation : Failure to Provide Method of Verification : Under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), credit reporting agencies are required to provide the method of verification used when responding to a consumer 's dispute regarding the accuracy of information on their credit report.

Despite my repeated requests for the method of verification, none of the three credit agencies have complied with this requirement, thereby violating the FCRA.

Sending Stall Letters : I have received multiple stall letters from XXXX, XXXX, and TransUnion. These letters claim that my dispute can not be processed due to the need for additional information to verify my identity. 
I have provided all necessary identification documents, including my driver 's license, Social Security card, and utility bills, to verify my identity. 
The repeated sending of stall letters instead of addressing my dispute constitutes a delay tactic, which is not permissible under the FCRA Section 611 ( a ) ( 1 ) ( A ) requiring prompt investigation of disputed information. 
Violation of FCRA : By failing to provide the method of verification and repeatedly sending stall letters, the credit agencies are in clear violation of the FCRA. 
These actions undermine my rights as a consumer to ensure the accuracy and completeness of my credit report. 
Request for Resolution : I demand that XXXX, XXXX, and TransUnion immediately provide the method of verification for the disputed items on my credit report. 
I request that these agencies cease sending stall letters and instead process my disputes promptly and in compliance with the FCRA. 
If these issues are not resolved promptly, I intend to pursue legal action against these agencies for non-compliance with the FCRA, as permitted under FCRA Section 616, which allows consumers to sue for damages resulting from willful non-compliance. 
Conclusion : I seek the CFPB 's intervention to ensure that XXXX, XXXX, and TransUnion comply with the FCRA and rectify the issues outlined in this complaint. It is imperative that my rights as a consumer are upheld and that these credit reporting agencies adhere to the legal standards set forth by the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have been a loyal BOA customer for decades, including 2 mortgages, credit cards, and multiple business and personal accounts. I had a credit card with XXXX which i hadn't used in years. Apparently a small charge appeared on it and auto-pay was not on. I never received a statement electronically or by mail. 

Having not used the card in years, i didn't think to check the balance and in fact assumed that i had auto-pay set, just like i do for every other card or bill. I found out later that XXXX makes it extremely hard and confusing to set up auto-pay, whether on purpose or not i don't know ( i had to call and have someone walk me through all the incredibly obscure steps ). 

The charge become delinquent by 30 days before i noticed. This was reported to the credit agencies and this one anomaly caused my credit to decline by XXXX points. I am currently in the process of trying to buy a new home for my family and this reduction in credit score could literally be the difference in whether i can afford a mortgage. I appealed to XXXX and explained this but was rejected. 

It seems impossible to me that something so dumb as a slightly late payment on a random XXXX $ charge, caused by a horribly designed interface that hides options unless you first go through XXXX other unrelated selections, is going to ruin my credit and prevent me from getting a mortgage for YEARS. there has to be a way! i've tried to appeal the decision to XXXX but they wouldn't even file a new request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Disputing the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am filing a complaint against experian. for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, 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, experian. 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 Under the Fair Credit Reporting Act ( FCRA ), Section 16810 of Title 15 of the U.S. Code outlines the procedures and penalties related to willful noncompliance by credit reporting agencies.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these discrepancies and provide a resolution within the required 30-day period. Please also provide me with a copy of any documents or evidence used to validate the information, if applicable.

Please note that under Section 16810 of the FCRA, failure to correct or delete inaccurate information after your investigation could result in penalties for willful noncompliance. 
I request that the disputed information be corrected or removed from my credit report at your earliest convenience. 
Kindly notify me of your findings in writing and provide an updated copy of my credit report upon completion of your investigation. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX loan servicing took over loan # XXXX XX/XX/2020, and reported the loan 30 days delinquent as of XX/XX/2020 to TRANSUNION. Which violates the 60 day RESPA period. I disputed this with XXXX without resolution, then I disputed the report with TransUnion without resolution.
Product: Money transfer, virtual currency, or money service

I have been using Paypal.com since 2019 for my XXXX XXXX XXXX which I have 100s of subscribers. 

They even gave me a working XXXX XXXX  which I never defaulted on and paid in full. 

XXXX XXXX XXXX XXXXs a Monthly Beauty Subscription Box. People pay on the XXXX of the month, then we use our money in PayPal to buy stamp, and ship their inventory. I have several customers maybe half my customers pay through PayPal and are on automatic billing through XXXX 

Recently, PayPal only pgave me access to $ XXXX of my generated revenue. When I called in, they told me well you as a XXXX XXXX should be looking for other capital to run your business as they held my money for 21 days. 

I stuck it out as I didn't know how to move my XXXX maybe XXXX customers to another payment processor. Recently, they then cut my money that I can receive from my earned money to {$300.00}. 

I emailed them asking why? After I've been assured that once they have more information my limit of accessing my own funds can increase. 

They informed me I had 5 disputes. 3 of the 5 disputes are a person outside the USA and we asked her to cancel her subscription as we can no longer ship international. She wanted to hold on to her subscription because she loved her boxes. However, shipping rates have increased we fully refunded her. 1 of the disputes had 1 color of her eyeshadow palette break in shipping. We asked her to return our box for a full refund which we did. Our box is $ XXXX for 5 to 7 Full size beauty products so 1 color in her eyeshadow breaking during shipping was out of our control. 

I tried to call PayPal and explain my business model and they claimed to understand and sent it to their back office for further review. 

I also had a XXXX account for my makeup line which they said I had unhappy customers. They asked me to upload tracking and when I did it wouldn't accept it. So I moved on and removed PayPal from my website as it wasn't a big deal 1 or 2 customers using PayPal VS 100s a month.
Product: Debt collection

I received a collection notice in the mail on XXXX/XXXX/16. The bill was on behalf of XXXX XXXX. I moved out on XXXX XXXX 2016. We asked XXXX XXXX to do a walk through but they refused. I received no other contact from XXXX XXXX. When I received the collection notice I called XXXX XXXX at XXXX on XXXX XXXX. I was informed by the representative that after 45 days my debt is sent to collections. I informed the representative that the letter was received XXXX XXXX. It had not yet be 45 days. Then her story changed to after 30 days that I would receive a collections notice. I then informed the representative that it had not yet been 30 days. She then offered to send the bill again, refusing to acknowledge the endangerment f my credit and XXXX XXXX 's unprofessional practices. I advised her that I would pay this bill, even though I do n't know what I am paying for and filing a complaint with the XXXX. The collection notice was not from XXXX XXXX and was addressed to myself and my XXXX year old child, not the other adult on the lease. 
I had to call the collection agency 5 times before someone picked up. I also left a message. The collection agency then told me the name of my XXXX children that they had listed to collect the debt from. Myself and my children 's credit can be affected and I never even received a bill as to what I 'm paying for. I spoke to XXXX XXXX extension XXXX. He informed me that he received the debt information from XXXX XXXX and I Q Data input the erroneous information into their database.
Product: Credit reporting or other personal consumer reports

I submitted a CFPB complaint ( XXXX ) on XX/XX/year>, regarding Equifax failure to delete information on my credit profile related to items reported as identity theft. According to 15 U.S.C. 1681c-2, which addresses the block of information resulting from identity theft, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft, no later than 4 business days after receiving notice of the identity theft. These accounts have significantly impacted me in various ways, including higher interest rates on loans, credit denials, and loss of job opportunities. Therefore, I request that these accounts be deleted immediately. 

XXXX XXXX XXXX, ACCT # : XXXX DEPT OF ED, ACCT # : XXXX DEPT OF ED, ACCT # : XXXX DEPT OF ED, ACCT # : XXXX DEPT OF ED, ACCT # : XXXX DEPT OF ED, ACCT # : XXXX DEPARTMENT OF JUSTICE FCU, ACCT # : XXXX