23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX-They continuously lose paperwork. I have had to re-send things several times. Customer service does not seem to understand how to resolve issues. They really seem to have no idea what is going on at all times. They did not process my Public Service Loan forgiveness information. It is 5 months later and received an email that I don't have it and it lapsed. So I no longer have Public Service Student Loan forgiveness and they seem to refuse to work with me.
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 
LIST OF ACCOUNTS BEING CHALLENGED ; ITEMS IN DISPUTE : XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX {$10000.00} XXXX XXXX - XXXX {$7000.00} XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I pulled my credit report from kikoff. It shows this on my credit file and if they are representing one of these companies I havent been notified about the debt. I'm curious to see if they are representing one of these companies and to see if it's over XXXX XXXX XXXX on credit report. I'm also curious to see if it's been sold by another junk credit company. This also shows publish consumer information on bad debt lists or credit reports and this proves unfair and deceptive business practices.
Product: Debt collection

Over the course of a few months and after several phone conversations and letters with Navy Federal Credit Union regarding a credit card transaction on my consumer report. Per 15 usc 1692g I have requested the " original creditor. As well as to cease and desist all collection activity while said account is under validation.
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.

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

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ( i ) 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 supposed 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. 

Account names and amounts that has VIOLATED my RIGHTS XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX XXXX {$8300.00} XXXX XXXX {$3700.00} XXXX XXXX XXXX {$5500.00} XXXX XXXXXXXX XXXX {$730.00} XXXX XXXX - XXXX XXXX XXXXXXXX XXXX {$3800.00} XXXXXXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXXXXXX {$4700.00} XXXXXXXX XXXX XXXX {$7200.00} XXXX XXXX  XXXX XXXX XXXXXXXX {$2800.00} XXXX  XXXX XXXX XXXXXXXX {$970.00} XXXXXXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXXXXXX {$5000.00} XXXX XXXX XXXX XXXX {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter finance had first date of delinquency as XXXX-XXXX  then so they could keep this account on my credit report longer they changed it from XX/XX/XXXX to now XX/XX/XXXX. This violates my rights under the fair credit report act as I was late since XXXX-XXXX  and Never brought the account current. I did defer some payments after the fact of being charged late fees as my account was still considered late. This company has already ripped me off of charging me 32000 or more and still trying to collect almost {$15000.00}. They are a scam and I want this removed from my report as they cause me damages and have them fined
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 XXXX XXXX XXXX XXXX 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 XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 the 15 USC 1681s-2 they are supposed 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 accounts is inaccurate.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove Inaccurate Credit Information to whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. Validate Account XXXX XXXX XXXX / XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX - XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate. Ive never made a late payment on this account, please correct. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate. Ive never made a late payment on this account, please correct. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX has once again added this employer after removing it i do not work for this company!
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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

Penfed credit union has not let me make a payments online since I have balance transferred onto my credit card. The issue is that I am not authorized to add an external account to setup autopay or make any sort of payment. I have called numerous times to figure this out and have made over the phone payments in the meantime. I have been late every month due to this issue. I take care of my elderly parents and am in the process of purchasing a home to move them in with my family. I have not been told the real reason on not being able to setup online payments through their portal until XX/XX/XXXX when I called again. I had a 5 day hold on my savings account which in turn would not let me add my checking # and routing # into their website to pay my credit payments or setup autopay. This month I was more than 30 days late due to not being able to setup auto-pay I was finally told that my credit needs to be run to remove the 5 day hold. My credit was initially run to obtain a {$5000.00} credit limit card with Penfed. 

First Call XX/XX/XXXX ( Could not find the answer on why I am unable to add external account ) Second Call XX/XX/XXXX ( Could not find the answer on why I am unable to add external account ) Third Call XX/XX/XXXX. ( Finally told me why I am unable to add external account
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to EXPERIAN. In my credit report from XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

On XX/XX/2023, I applied for a Gold Amex credit card with American Express. The application resulted in a denial and a few days later I received an adverse action letter stating the reason I was denied was based on my credit score. 

On XX/XX/2023, after receiving my denial letter I decided to make a phone call to corporate and talk to a supervisor who also explained that I was denied my right to credit based on my credit score/credit profile. 

I began to ask her " Thats unfortunate could you provide the exact subsection so that I can study it myself? And could provide me with which part of the law says I have to abide by the credit score you chose to use, or that this transaction even needs to be reported? The CFPB states that credit reporting is optional. She failed to cite any federal law abiding with the " Truth In Lending Act '' and continued to repeat that it is company policy/procedure.

American Express company procedure does not override Federal law. This is a direct violation of my rights as a consumer 15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 USC 1602 ( p ) makes it clear that American Express committed fraud and used my credit card without authority and I received no benefit. 15 USC 1692 [ a ( 3 ) ] makes it clear I can not be discriminated against for exercising my rights. 


In addition, after talking to a representative of the company I've also decided to write a letter to the CFO of American Express and file a complaint against the company with the Office of the Comptroller of the Currency as I have felt discriminated against and violated as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Equifax, XXXX, XXXX because I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX placed an Hard Inquiry on my credit file XX/XX/2018. Requested company to supply information reasonings of hard inquiry. Company stated inquiry will be removed and still remain on my Transunion report.
Product: Debt collection

THESE ITEMS NEED REMOVAL IMMEDIATELY COLLECTIONS *XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX ) = {$860.00} XXXXXXXX XXXX  - ( Date Opened XX/XX/XXXX ) = {$510.00} XXXX XXXX  - XXXX Date Opened XX/XX/XXXX ) = {$440.00} XXXX  - ( Date Opened XX/XX/XXXX ) = {$500.00} *XXXX - ( Date Opened XX/XX/XXXX ) = {$930.00} XXXXXXXX XXXX - ( Date Opened XX/XX/XXXX ) = {$510.00} XXXXXXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX ) = {$310.00} INQUIRES XXXX XXXX XXXX ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXXXXXX - ( Date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX- ( Date Opened XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX - ( Date Opened XX/XX/XXXX XXXX XXXX XXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hello, I have opened a new checking account for Citi Bank on XX/XX/year>. On XX/XX/year> I was trying to send money via XXXX to a friend and it asked me for a PIN number which I never created. It locked me out of all of my accounts and I have been calling Citi Bank everyday for XXXX hours a day trying to get my account to unfreeze. Every time I call they ask me to verify my security code and every time I do they tell me it is wrong and I only have 3 times to verify before they can not longer try. They also re route my call XXXX times each call. I do not understand why they can not verify my identity using my SSN or other information. The only thing they want is my security code which I do not have. There are no XXXX  branches so I am not able to complain in person. I have {$1800.00} in the Citi bank and I need to make payment on bills. The only way they said I can unlock my account is by writing a letter which can take XXXX months which is insane.
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. 

Experian accounts Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX NA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  NA Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX accounts Account Name XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX ACCOUNT XXXX Date : XX/XX/XXXX Account Name : XXXX BANK Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX accounts Account Name : XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXXK Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date XXXX XX/XX/XXXX Account Name XXXX XXXX Date XXXX XX/XX/XXXX Account Name XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/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 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: Debt collection

In the    XXXX   XXXX   XXXX    I was erroneously charged {$83.00} for co-insurance by the hospital I work for related to services provided in   XXXX   XXXX   XXXX   XXXX   XXXX  . Hospital policy is not to collect co-insurance from employees and family members covered under the employed individuals benefits plan. I did explain this in writing in a notification sent back to the hospital billing department.   In   XXXX   XXXX  , I received a notice of debt collection from  XXXX   XXXX   XXXX . I sent a written notice on   XXXX   XXXX   XXXX   demanding immediate cessation of attempts to collect this erroneous debt.   On   XXXX   XXXX   XXXX   I received another letter seeking to collect this debt with the addition of accrued interest making the total {$85.00}.   I have sent another notice to the company as of today,   XXXX   XXXX   XXXX   demanding immediate cessation of attempts to collect this debt.