23daVinci/CFPB_Complaints huggingface dataset:
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  XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX 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 card or prepaid card

I locked myself out of my apt called a locksmith who quoted $ 45-49. I am legally XXXX and count on honesty from workers. My neighbors saw the locksmith do the lockout and pop the lock. I gave him my discover credit card. Later in the day a person called me to ask what he charged. I thought this was strange. I said I assumed he charged what I was quoted over the phone. I asked a neighbor what the bill said it said {$170.00} for an installation service not marked lockout. I disputed this with Discover who ruled in favor of the locksmith. No matter of my evidence receipt or even cameras on the premises that showed exactly what was done. This was unethical and dishonest on Discovers part when they had proof in front of them of a definite and deliberate scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Collections & O Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Amount : {$6900.00} I have disputed this entry for Fair Collections & O for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Fair Collections & O and myself for repayment. The only responses I've received were statements for payment. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
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. Account name : XXXX XXXXXXXX, Account name : XXXX XXXX services XXXX, Account name : XXXX XXXX  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 ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following items attached to this complaint, that are still reporting inaccurately after your reinvestigation. I disputed these items through the CFPB in XXXX, XXXX and XXXX My credit reports from XXXX through XXXX will reflect that no investigation was done and that all disputed items are still reporting inaccurately on my credit report. I am requesting that you remove the disputed items from my credit report immediately. I have a right to an accurate credit report, and these inaccurate items are harming my credit score and ability to obtain loans and other forms of credit. I have enclosed a copy of my credit reports with the disputed items circled, as well as supporting documentation. Thank you for your time and attention to this matter.
Product: Checking or savings account

I am dealing with USAA bank overdrafting my account multiple times relating to my USAA auto insurance policy and now I am being charged premiums for a car that has been totaled for over XXXX months now I have been paying and XX/XX/23 was my last attempt to resolve this without legal action. I have spoken with the bank and explained that I am XXXX veteran and how frustrating it is for me to have to learn the complexities of bank jargon to defend myself from these ridiculous premiums and fees. I have utilized the app XXXX to recover some of my funds but it's ultimately me dealing with the abusive practices. I don't understand how my bank and this insurance branch are doing this to my account. I have called XXXX times to have to changed and each time I feel like I am fighting a marketing ninja trying to sell me something I didn't even call about. Thank you for your time and any help you can offer to assist.
Product: Credit reporting or other personal consumer reports

JPMCB, XXXXXXXX XXXX XXXX has not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed an inquiry in my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Consumer agency is violating my consumer right by using false misleading, misrepresentation and deceptive means.

This Consumer agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting or other personal consumer reports

My student loan are being furnish without my consent I never gave any person consent to report my student loan Department of education XXXX Account # XXXX 15 USC 1681b Clearly States Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

That aggravated Identity Theft 18 USC 1028a because the have possession of my information and they are also using it without consent from the consumer
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 495 % financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting a collection in the amount of {$9100.00} on the XXXX/LOAN partial account number XXXX. ( Please see page attached from my credit report. ) This student loan account does not belong to me. There are two separate applicants named on this form, along with their signatures. ( Please see document attached. ) I am named only as a Student, not as an applicant. I did not receive any sums of money from this loan. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

I came to the XXXX  with what we thought could be an XXXXXXXX XXXX XXXX XXXX XXXX XXXX and my husband was frightened that it would XXXX  or that whatever was wrong was going to get worse. We/he explained that I was in XXXX XXXX  and that I needed help. The XXXX  was not buys in the slightest yet I was made to wait 6 hours before I saw a doctor therefore I wasn't able to be given any XXXX  medication to help the pain at least subside some and we/he got increasingly worried that if indeed it was an XXXX, that it would/could XXXX. We were left without any word on what was happening or how long it would be - he continued to ask but there was no help and no one could give us any answers although there were maybe 2 other patients there. I was taken to a " back '' waiting room as I was moaning and writing in pain and we thought that meant we would be seen soon but it was still another 2.5 hours before we were taken back and then another 30 minutes or so before a doctor even came to my room to then check to see what meds I could be given so in all actuality it was over 7 hours before I received ANY XXXX  medication. It turns out that it was XXXX XXXX  but if you have had them then you know they are extremely painful ( and I have had XXXX children that were not near as painful! ) Needless to say the treatment I received prior to seeing a doctor was awful and now I am being charged for waiting in their waiting room??!! I have already paid the doctor AND the XXXX company I should NOT be having to pay this ridiculous amount for care that i was not even given! # 1 I DO NOT HAVE this kind of money! and # 2 they haven't even filed it with my insurance. I want the amount reduced at the very least. TBH it should not be billed to me as they didn't do anything and those that did I have already paid. This debt is astronomical and I can in no way pay it with the cost of living being what it is now.
Product: Student loan

I have tried multiple times to explain to AES that I am unable to pay the monthly payments for my XXXX XXXX loans and my XXXX loan. They are not being flexible with me in order to pay these down and are not giving me options except, " looks like your only option is to default ''. This is so unacceptable!
Product: Debt collection

During the first week of XX/XX/2020 I moved houses and asked XXXX XXXX XXXX to transfer my internet services to my new house. I took my modem and wires to my new house too. XXXX XXXX XXXX doesn't charge for transfer of services when moving homes. 

However, XXXX XXXX XXXX continued to charge me for internet services in my old house and my new house even though there was no services going to the old house. They also charged me for an installation fee in the old house. 

I terminated my services with XXXX XXXX XXXX in my new house due to subpar service and one continued issue after the other in XXXX. 

It was then that I found out about the existing charges in the old house when Credence Resource Management LLC contacted my about debt collection. The amount to be collected was {$190.00}. I called XXXX XXXX XXXX about this and I have an audio recording ( with their knowledge ) of them admitting to their error, accepting that they made a mistake, but telling me there is nothing they can do and I should pay anyway. I have attached a snippet of the audio recordings of my conversation with XXXX XXXX XXXX. 

This is beyond unprofessional. It shows a lack of integrity, accountability and ethics.
Product: Credit card

I canceled auto pay for Barclay credit card on XX/XX/XXXX but they charged me for XXXX months on XX/XX/XXXX claiming it was auto pay. When I treid to log in into my online account it said to call the company and when I called they claimed that I needed to update my password so I had no way to look up at first the " auto Pay status ''. Finally I loged in and saw that I canceled auto pay and have proof. EWhen I asked them what happed they claim they dont know. I asked them if you claim my auto pay was reinstated then where is the proof and why does my activity online clearly says I canceled my auto pay on XX/XX/XXXX.
Product: Student loan

Greetings, I applied to Mohela the Public Service Loan Forgiveness Program by submitting the PUBLIC SERVICE LOAN FORGIVENESS ( PSLF ) & TEMPORARY EXPANDED PSLF ( TEPSLF ) CERTIFICATION & APPLICATION on XX/XX/XXXX. 
All of my supporting documents were provided at the time of my application. 

On XX/XX/XXXX I received an email stating that my application was being processed. 


I had XXXX qualifying loans with an origination date of XX/XX/XXXX. 
I made my XXXX payment on XX/XX/XXXX. 
I made qualifying payments on these loans in excess of the required XXXX payments. 
The amount I paid after the XXXX payment was : {$17000.00} I am due a refund in the amount of : {$17000.00} I have called MOHELA on several occasions and have gotten different answers each time. I have been provided with inconsistent information and no refund has been issued at this time. 
MOHELA has failed to process my refund in over XXXX months. Nor have they provided any additional correspondence regarding my case. 
Please work with MOHELA to correct this and compel them to issue the correct refund. 
I have provided all documents that I have provided to MOHELA for your review. 
Thank you, XXXX XXXX. XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 according 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. 

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

On XX/XX/20 Portfolio Recovery on a collection showing a balance of {$3100.00} added a derogatory remark on my credit report per XXXX XXXX XXXX XXXX monitoring account. Upon further research, this account was transferred / sold and I am no longer responsible for the account. Debtor creditor did not verify this collection after sending a letter on XXXX and another on XX/XX/20. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( collection agency name ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

FCRA 605B requires us, I think, to delete any wrong accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the inaccurate and erroneous information that has been reported on my credit report by your credit bureau. I am requesting that you correct this information as soon as possible. Upon reviewing my credit report, I have noticed that the information reported is incomplete, inaccurate, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws. Specifically, the following information reported on my credit report is disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$340.00}. As a result of the inaccurate and incomplete information reported on my credit report, I have suffered significant financial harm, including denial of credit, employment opportunities, and higher interest rates on loans and credit products. Under the FCRA, I have the right to have accurate and complete information reported on my credit report. Your bureau has a duty to investigate and correct any inaccurate or incomplete information within 30 days of receiving a dispute notice.
Product: Debt collection

XXXX XXXX {$970.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported XXXX XXXX XXXX equifax Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I didn't know about the interest and I have no way of paying the outstanding balance its growing and I don't know if I will make enough in the future to pay it by the time it garnishes my wages
Product: Debt collection

I had a  XXXX  mobile phone in  XXXX . Without a job and mounting debt, I filed Ch  XXXX  bankruptcy  XXXX   XXXX ,  XXXX . It was  discharged   XXXX   XXXX ,  XXXX . Since then, I have not held a contract with a mobile phone provider, opting for a prepaid accoun t. Pinnacle Credit Services, b ased in Minnesota, has placed this phone account on my credit report, refuses to remove the collection despite REPEATED attempts to document that their collection efforts are invalid. In  XXXX , I disputed the account with the credit bureau as included in the bankruptcy. In  XXXX , I sent copies of the Ch  XXXX  petition, copies of the discharge ( both available from  XXXX  ), and asked them to produce a signed contract if in fact their was an account after the bankruptcy, which I know there to NOT  be. Pinnacle responded saying I could settle the debt for 50 %. 50 % of an noncollectable debt? I did n't worry about it until now, when I 'm in the process of trying to upgrade my life and Pinnacle is a roadblock in my way. Because it looks like I have an outstanding collection with no payment, nor settled, I frequently do not qualify for financial services that my income would otherwise provide me. The last time I called the Pinnacle repre sentative told me the debt would be reported INDEFINITELY despite again, my assertion that  XXXX  is not owed money due to the  XXXX .
Product: Payday loan, title loan, personal loan, or advance loan

Due to hardship and struggling to mange to meet my financial obligations, I rang CreditFresh to ask what options I have to reduce the monthly payments amounts towards the loan so I can meet my priority payments such as rent, utilities, groceries etc.

- I said that I do not want to default, perhaps they could reduce the fees or take 1 payment per month instead of 2 or offer an arrangement as such to reduce the monthly amount payable ( currently 2 payments due at {$330.00} each per month, total {$660.00} ). I can not afford this due to hardship and higher expenses.

Speaking with both an agent as well as their manager, they told me this was not possible and only gave me 2 options : 1 ) Pay the same amount for a few more months which will reduce the amount owed 2 ) Default on the loan which will go into collections and affect my credit report and ultimately recovery - I repeated that I can not afford this and am not looking to not pay, Im just looking at affordable options as currently I can not even get from Paycheck to paycheck.

Again, the same 2 options were presented and they refused to assist or offer a lower monthly payment amount.

Furthermore, after complaining to CFPB, CreditFresh replied offering no solution at all. Hence raising this complaint again.

Surely there has to be consumer protection for people going through hardship and asking for a loan company to enter into a payment arrangement? How can this be refused?

The loan was provided through CreditFresh website which is funded by XXXX bank.
Product: Credit reporting or other personal consumer reports

My issue is with equifax. Months ago when I decided to look at my credit through the 3 credit reporting agencys. Equifax was not able to show my credit score of report. Through their online platform it was showing unavailable and I was also showing a BLNK error. I was trying to get approved for purchases through 3rd parties that needed to rein my report provided by equifax. So this turned into a major issue at no fault of my own. So I contacted equifax fo resolve the issue. After explaining my problem to the representative they told me I had do send a copy of my drivers license and a cover letter explaining the errors provided. So I sent them the information they requested and even purchased tracking on the delivery. When the package showed delivered. I called back and followed up over the next week. They kept saying they didnt have it yet when they did. The new representative also told me that I had to repeat the steps as if it was a new problem. I politely argued that I already sent this information and paid for it with tracking. They said they would escalate and look into it. I never got a return call or fix. Ive also disputed this over their platform. As of today on XX/XX/XXXX I am still having the same issue. No report information or score with a BLNK error code. Says to contact them again. I am trying to finance things I need in life and this is hindering me from making these purchases because lenders and third parties cant pull the reports they need. Whats weird about it is transUnion platform can pull all 3 reports. Experian cant even update because it is also telling me its unable to pull equifax information so it cant even finish getting XXXX report either. Nothing has updated past XXXX because of this. Please help me.