23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXXXXXX XXXX XXXX XXXX and Credit Reporting Agencies ( CRAs ) XXXX, Equifax and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. ACCT # XXXX
Product: Debt collection

I have found several accounts on my credit report that appear to have been added without my consent and are incorrect. I request the immediate removal and blocking of these fraudulent entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting information on my credit reports however they are not legally permitted to collect in my state because they are not bonded in Texas. I currently live in Texas and have always resided in Texas. I have checked the website of my secretary of State with the information they provided on my credit report. My search concluded that THEY ARE NOT BONDED in my state. Not only that, I have sent several 609 letters asking for them to " Verify '' the information that they are reporting because these debts are not mine and doesn't belong to me. They have yet to provide adequate proof and still reports on my credit. Please note the following information pertaining to the debt collector including their address, Bond number, Amount they are reporting and date they reported : 1 ) Kross Lieberman & Stone Inc XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Bond number XXXX AMOUNT reporting {$1400.00}
Product: Credit card or prepaid card

My Bank of America credit card was paid in full prior to the payment due date. There was no balance or payment due ; however my checking account was debited for {$140.00} on XX/XX/XXXX, after the full balance was paid on XX/XX/XXXX. On or around XX/XX/XXXX I noticed my account had a credit balance in the amount of {$140.00} and saw it had been withdrawn from my checking account without my knowledge. 

I called Bank of America immediately and requested a refund and was told it would take up to 7 days. After 7 days I checked my account and there had been no activity. My credit card account still showed a credit balance of {$140.00}. 

I called Bank of America again to ask why I had not received my money back and was told it takes up to 14 business days ; now twice as long as I was initially told. 

Today, I checked my account again and there is still no activity. I still have a credit balance of {$140.00} on my card. I called back a 3rd time and today was told it takes 30 business days for the refund to process. 

This is beyond absurd and completely ridiculous. At no point in time has anything taken 7, 14 or 30 business days to reflect on my account. Payments made from my account take 1 day and I am now being told that it will take 30 business days to have the money to be refunded, which was never authorized to be withdrawn.
Product: Credit reporting or other personal consumer reports

My credit report displays several billing mistakes marked as late payments, which misrepresent my actual payment habits. Please adjust these errors and update my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Debt collection

On XX/XX/XXXX, I sent a letter to XXXX to dispute an account no longer owned by the company who is reporting the account incorrectly. The company XXXX XXXX no longer has the account and I have proof that the account has been sold to another company and I am in contact with that company to verify the debt. Both XXXX and XXXX have deleted this collection since it wasn't verifiable but XXXX has continued to show the date as " UPDATED '' and " VERIFIED. 

I have disputed, requested their method of verification and XXXX continues to report this account as verified.
Product: Credit card or prepaid card

Hello, I tried to transfer my membership rewards points and I got a message stating that my account was under review. I am not sure why it would be under review when I legitatly made all purchases and I met every minimum spend requirement. If there was any returns I made sure to spend enough before the minimum spend time frame was up. I tried calling and talking to the membership rewards team and nobody could help me. I told them I urgently needed to access the points but they said in verbatim, wait XXXX weeks. For a company that prides itself on excellent customer service, this is absolutely unacceptable. I was n't rude, I politely asked for someone to review my account right now because theres nothing wrong at all. Please review the account that is frozen and allow me to access my points. I love american express and i look forward to continuing this relationship. Please do the right thing. 

Kindly, XXXX XXXX
Product: Debt collection

This account was charged off by the original collector whom their company owes me a 1099 by law due to this alleged debt being over {$600.00} as law states which means how can this company collect on debt that has absolutely been paid for due to a charge off with taxes. 
Also, in accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, account number XXXX and LVNV FUNDING LLC account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested.
Product: Checking or savings account

I purchased a cruise to for travel on XXXX XXXX and the cruise was canceled due to COVID-19 and government suspension of further sailing from any cruise line. XXXX XXXX line advised they processed a refund on my debit card on XX/XX/XXXX, and the refund has not been credited to my bank account as of XX/XX/XXXX XXXX I contacted my bank Suntrust and filed a dispute to retrieve my funds in the total amount of {$650.00}, and they denied my claim, due to no fraud occurred and any funds debited from my account is my loss. Before filing the dispute, I explained to the bank that no fraud occurred against my account and I am requesting my funds to be refunded back to my account, due to the cruise line has not processed my refunds. The funds were taken on XXXX {$100.00}, XXXX {$200.00}, XXXX {$150.00} and XXXX {$200.00}
Product: Student loan

I spoke with an agent fro m Navient student loan service  about my account   XXXX  -2017.The   agent stated that I sent back my income repayment forms on   XXXX -2017.I h ave not sent anything to Navient during  XXXX   2017.Navient  has gone as far as to fraudulently sign my name on documents which is a federal felony.The agent told me I sent documents back which I never received or sent.navient should not be allowed to collect student loans because of fraudulent activity.Navient is also not approving applicants for income based repayment plans.Everyone I have talked to has been denied no matter the  situation.Navient i s also not offer income based repayment plans to struggling single mothers and these practices and unfair discriminatory.Navient should be shut down immediately due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialist id # XXXX Covid19 XXXXXXXXXXXX  XXXX XXXX I don't think I have ever received worse service and customer service from a company in my entire XXXX  years of life. 

After being approved for forbearance from XXXX/DovenMuehle Mortgage/XXXX  due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loanhas now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the CreditBureaus as delinquent as of XX/XX/2020. 

At thispoint I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I keep getting something that says that my bank information was incorrect while it is. It 's also not regestering my job.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Several of the listed accounts contain inaccuracies in their reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$50.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX sent an account that is not mine to XXXX and XXXX, a third party collection agency. XXXX and XXXX added this {$110.00} collection account to my credit file. I have not had insurance with XXXX in over 10 years at least. XXXX is my insurance company. I have not received any correspondence from XXXX  or XXXX and XXXX at my address at XXXX XXXX XXXX Rd., XXXX, SC XXXX. I have talked with a representative from XXXX and XXXX and they had the wrong address on file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX This loan been in consilidation but it shows a closed account. Can this item please be removed. 
15 U.S 1692c If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer with respect to such dept.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same account on my credit report was incorrect when I reviewed it. The XXXX and TransUnion credit bureaus require to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be reinvestigated and corrected : XXXX XXXX XXXX Balance Owed : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The statute of limitations on collections is 5yrs in NY . I confirmed with a credit law firm that if you move to a different state the statute remains with the state where the debt occurred. 
Equifax has not only argued this but made it evident they can change rules at their discretion. 
I am requesting the CFPB investigate and force Equifax to follow the statute of limitations provided.
Product: Credit reporting or other personal consumer reports

Under title 15 usc 1681 And the laws of commerce, I have reached out to experience and TransUnion. And XXXX with these laws stating that I never gave my written Permission To disclose any negative. 
Information on my credit reports, and there are a lot of inconsistencies within each Bureau.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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

Hello, my name is XXXX XXXX, I saw that synchrony bank closed my account. They closed my care credit synchrony mastercard. I sent them documents long time ago, they asked for my driver license and proof of address I sent them those documents but they closed my account recently. I want explanation why they closed my card and want them to reopen my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Never notified me of there investigation related to my checking account ending with XXXX. When the account was charge off no notice. I found out by chexsystem a year and half ago. I don't agree with the debt. This doesn't extend or re age the account.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Credit card

The Bank of Americas so called senior resolution specialist omitted the fact that their employees misled me on multiple fronts after they blocked my card for no reasons.
Product: Credit reporting or other personal consumer reports

Experian credit report states that there are two late payments. One for the month of XX/XX/2017 and another for the month of XX/XX/2017. Being that I never received any written notifications within 21 days before either of the payments were due ( nor did I receive any other notifications at all whatsoever ) continuing to report them is a direct violation of the 1637b clause of title 15 U.S.C. 1666b of the commerce and trade law.