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. 

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 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 XXXX 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: Money transfer, virtual currency, or money service

XXXX XXXX I ordered a speaker from XXXX using paypal pay in 4 service. 

The delivery had some issues, slow downs etc. 

All of the sudden I got a message saying it was delivered I believe XX/XX/XXXX. 
When I got home, there was no package. 

I checked my ring doorbell and it never shows a package being delivered. The porch that XXXX showed it was delivered to does not match my back porch where they said it was delivered. I've sent the video proof and pictures asking for assistance and I am being shut down left and right. 

XXXX says it was delivered, which somehow makes all my information and pictures and video I provide somehow Invalid. {$510.00} is a lot of money! 

It's been over a month, after XXXX wouldn't help me I reached out to paypal around the XXXX of XXXX. Please help! 

I have ring doorbell footage showing nothing was delivered. It is too large to upload though. I can email it if need be! 

1st picture shows where they delivered the package, comparing it to picture 2 you can see that my door should be shown on the left of their picture and my porch is not that big! They stated it was delivered to my back door. 

They are stonewalling me at this point refusing to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX recently reduced my available credit from XXXX to XXXX. To help understand why, I called and inquired as well as ran my XXXX XXXX dashboard, which incorrectly reports my credit number as XXXX ( poor ) rather than my actual XXXX XXXX ( XXXX ) from the three reporting agencies. When I initially called, I was put on hold for XXXX minutes before ending the call. I called back the following day and was told to call back on the next business day. I entered a dispute with all XXXX agencies and will follow up with another call on Tuesday of next week. It is my belief that their inaccurate practices caused my score to drop XXXX points with all three reporting agencies even though my account is in good standing.
Product: Debt collection

I have a credit reporting alert from credit collection services.   The are trying to collect {$600.00} for  XXXX   XXXX .     I do n't have any accounts with  XXXX  or owe them any debt for services. I believe this is another instance of my identity thief ordering services using my credentials.     I called  XXXX  early this year (  XXXX   )  regarding the account but it has n't been resolved and I keep receiving collection notices and payment delinquency damages to my credit.
Product: Credit reporting or other personal consumer reports

Account name # XXXX XXXX XXXX  Account # XXXX I asked XXXX XXXX Bank, XXXX and Equifax to remove a late payment on my credit report which is clearly reporting inaccurately information. They fail to show proof and they Violated XXXX XXXX XXXX  sent me a notice 31 days before this so called late payment. I sent in several letters to XXXX XXXX Bank and XXXX and Equifax along with proof of them reporting inaccurate information. All of my proof will be shown is the attachments. My next step is to take legal action against XXXX XXXX Bank, XXXX AND EQUIFAX! YOU WERE TOLD TIME AND TIME AGAIN TO REMOVE THIS LATE PAYMENT WHICH IS REPORTING INACCURATE. I CANT BE LATE AND ON TIME ON XXXX DIFFERENT CREDIT REPORTS AT THE SAME TIME. XXXX XXXX XXXX XXXXXXXX XXXX LATE EQUIFAX XXXX REPORTS I WAS O. TIME FOR THE MONTH OF XXXX! XXXX REPORTS I WAS ON TIME FOR THE MONTH OF XX/XX/2024 BUT ON TIME IN APIRL. THIS MAKES NO SENSE BUT SINCE YOU THINK THIS IS OK, I JUGDE WILL SEE THIS FOR WHAT THIS REALLY IS. I WILL BE HAPPY TO SUE ALL PARTIES INVOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

attempting to open Discover card online. Have bad credit less than XXXX per communications with bank staff ( dispute with XXXX  XXXX XXXX which has been filed with CFPB on account of banks delay to close card ). The phone number on the site is not working, site is not working, if staff do respond they do not provide any information. Card has not been activated as yet as application is not being completed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX account should not be on my credit report. The information was incorrect.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to know what happens, that your level of authority as an arbitrator or as a guarantee to users or clients of credits, can not take action against a company, which does not respond or in this case they ignore to eliminate the negative quota in my reports How long should I expect them to take action on this?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an 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

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the 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 XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights 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 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than XXXX  years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Product: Student loan

XXXX XX/XX/year> The company ( Navient ) has offered forbearances and payment repayments with misleading and increasing interest on balances owing. I reached out to the institution ( XXXX XXXX XXXX XXXX ) to advise them I shouldn't have had any balances owing with both loans including Navient and XXXX XXXX XXXX XXXX. Additionally, I had disputed the amount owing to the loan servicing companies because I had also paid a large amount of funds out of my own pocket. They refused to rectify the issue and responded with " statement of loan amounts and repayment information ''. 

On a recent Credit Report Audit requested from the Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX ), these accounts are showing inaccurate loan information and interest rates. I recently received notification that Navient had sold my loans to another loan servicing company. I'm requesting the assignment contract authorizing my personal information to be sold and provided a third-party financial institution. I request this issue to be resolved immediately.
Product: Student loan

I'm not exactly sure what is going on with my loan from Higher Education Assistance Authority in NJ but I've had it for over 20 years with seemingly no progress. The original amount has been paid back several times over. I took out a private loan from another company around the same that I have since paid off for about the same amount of money. This loan amount just doesn't seem to go down. Making payments online is very difficult. The company won't allow me to sign up for auto pay even though I have had this loan for over 20 years! They also will not allow me to release my co signer and add a different one. I want the remainder forgiven and out of my life. I know something isn't right here. Please help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Incorrect Address Reporting & Failure to Properly Investigate Disputes To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report maintained by XXXX. Despite previous efforts to have these errors corrected, XXXX has failed to properly investigate and remove incorrect addresses from my file. 

My correct address : XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. 

Incorrect addresses XXXX has reported : XXXX XXXX XXXX XXXX, MI XXXX and XXXX XXXX XXXX XXXX XXXX MI XXXX Impact : These incorrect addresses have no association with me and may be linked to accounts that are not mine, potentially resulting in inaccurate negative information on my credit report. 
This failure to properly investigate and correct my dispute is consistent with the recent lawsuit filed by the CFPB against XXXX ( Case No. XXXX ), which alleges that XXXX engages in sham investigations and fails to correct inaccurate consumer data ( XXXX XXXX XXXX ). As a credit reporting agency, XXXX is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the maximum possible accuracy of the information it maintains and must conduct reasonable investigations of consumer disputes. 

Resolution Requested : Immediate removal of all incorrect addresses from my credit file. 
Removal of any negative accounts associated with these incorrect addresses. 
A full and proper reinvestigation of my dispute in compliance with FCRA guidelines. 
I have attached a copy of my valid ID as proof of my correct address, along with any supporting documents. I expect a written response confirming these corrections within 30 days of receiving this letter, as required by law. 

Failure to correct these inaccuracies may result in further action, including escalating my complaint to the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 

Please confirm receipt of this dispute and provide a response in writing. I appreciate your prompt attention to this matter. 

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

I found some inaccurate information on my credit report from XXXX XXXX XXXX and reached out to them and XXXX, XXXX, and Experian to dispute. There was an investigation done and all the collection accounts from XXXX XXXX XXXX were removed. Now they have reappeared on my credit report with the exact same inaccurate information as before.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
15 U.S.C 1681 section 602A. state i have the rights to privacy.

15 U.S.C 1681 section 604A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On or about XX/XX/year> I opened a checking account with Huntington Bank online! Approximately two weeks later I was locked out of my online access! I called and the representative unlocked my access! The same day I was locked out of my access again! I contacted the bank customer service number and was told that I needed to come in with my Social Security card and identification to verify my identity. 

On or about XX/XX/XXXX I contacted the bank again and communicated my difficulty in Physically being able to present myself into the branch Due to being in a location, currently not serviced by one of the branches! I informed the representative that I am a XXXX person and traveling is very Difficult for me, I understand the rules of the USA patriot act requires them obtain this information! They had already opened my account, allowed me to fund the account allowed me to make transactions on the account, And now they have barred my access to allow me to verify the safety of my funds And recent transactions! 

I asked the representative how many other banks allow the opening of bank accounts in the United States without ever seeing a customer inside of a branch and he couldnt answer So I presented a reasonable alternative that should suffice the patriot act. I asked if he could send me an affidavit requiring the information the bank needed from me, allowing me to have a notary, verify my identifying documents, in my presence. And forward that document to a representative in the bank that could lift my being frozen out of my account. 


The representative at Huntington Bank said that they required anyone opening an account with them to Come inside the branch. 


He had no answer as to why they do not allow legal representatives such as a notary to verify for them He also had no answers to how they made their services available to Americans with XXXX I have also been put out by canceling the direct deposit from My government benefits that were scheduled to be paid there this coming Monday XXXX  By redirecting them to Another financial institution that I have been using that has higher fees, causing me to have to wait an additional week for my funds to come in the Mail during the temporary validation. That the government benefits require while validating my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my credit report and personal information as well as those of 143 million US citizens/residents by allowing the highly valuable data to be hacked from their servers. They should be held accountable for the liability they have put me in. They should offer lifetime credit monitoring services, not 1 year protection. Hackers are smart enough to wait until the 1 year period is through until they start using the stolen information.Additionally, insider trading occurred as some high level executives sold company shares before these news were revealed to the public. I demand action takes place against this poorly run corporation.
Product: Credit card

Chase is currently offering an introductory promo for their new Chase XXXX XXXX card. The double bonus can only be offered if I apply through a branch, and is honored until XXXX XXXX. I have made numerous appointments with bankers at our local branches, even taking time away from my own job, costing me time and money. I am repeatedly getting an error in the branch while trying to apply through their in-branch system. I ca n't even submit the application. No one has any update for me, except for it 's a " known issue ''. In my previous experience as a Chase employee, that means they know but do n't have a solution. 

The issue I have is that my girlfriend came with me to apply for her own XXXX XXXX card. Her application went right through, and got approved. They ca n't even submit my application. I 've spoken with off-site supervisors of the credit card support team ( via XXXX ), and asked if I could apply online and they go back in and reward me the extra points if approved. They said there is no way. 

Are n't there regulations regarding making the same options available to all applicants? All are allowed to apply for credit. When I was a Chase banker, I could n't discourage any applicant from applying, no matter the circumstance. They will not accept my application without me forfeiting what equates to {$750.00} in travel when redeemed through their offerings. 

Please help me deal with this, CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the credit reporting act XXXX  Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXXXXXX 5.XXXX XXXX 6.XXXX XXXX 7XXXX XXXX XXXX 8.XXXX XXXX XXXX 9.XXXX 10.XXXX XXXX 11.XXXX XXXX 12.XXXX  13.XXXX XXXX XXXXXXXX 14.XXXX XXXX 15. XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Unrecognizable inquiry appears on Equifax credit report for XXXX XXXX and EQUIFAX MORTGAGE SER.
Product: Credit card

I've always been prompt with my payments on this account, never allowing them to be late. I'm confused about why there are late payment reports on my accounts. According to 15 USC 1666b, this billing error needs to be corrected.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am filing yet another report for the inaccurate reportings from the credit reporting agencies. I have ask them to provide proof of this inaccurate accounts. And they have failed to do so. Its been well over 55 days. So at this point I am demanding that these accounts be removed for failure to provide the accurate information on these account. This is not a third party filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing this collection account that appears on my credit report but the bureaus keep saying the account has been verified but never have sent me anything to prove it.
Product: Credit reporting or other personal consumer reports

I contact the consumers reporting agency notifying them that there was inaccurate information on my report. They just responded that the information was verified. Without solving the true issue at hand that a debt collector was reporting false information on my report which was damaging my credit file. 

15 U.S. code 1681s ( A ) ( 1 ) A States A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. code 1681e States Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c. This title and to limit the furnishing of consumers reports to the purpose listed under section 1681b of the tile.