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

I am writing to demand immediate action regarding inaccurate, misleading, and unverified information on my credit report. Despite my previous dispute, which included an FTC report, you have failed to delete the erroneous information within the legally required timeframe. This failure is a clear violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
Let me make it clear : my legal name is XXXX XXXX XXXX XXXX, and yet, your records falsely associate me with names such as XXXX, XXXX, and XXXX XXXX. I am seeing at least six incorrect versions of my name on my report. These inaccuracies must be deleted immediately.
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 XXXX  Account Number : XXXX Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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: Debt collection

After graduating from XXXX XXXX XXXX XX/XX/XXXX, I was certain the only debt I had were from the federal loans taken out on my behalf to go to school. Over a year later, I received a bill from PEAKS Student Loans indicating I owed north of {$24000.00} in private student loans. I never heard of this company until then, and only after they already tacked on interest and late payment fees. I specifically instructed the XXXX XXXX to NEVER take out private loans as they are often predatory and I didn't want to deal with any private entity. It is now XX/XX/XXXX and I'm still getting harassed by this company through collection agencies regarding this bad debt and I am not responsible for it. I have a family now and my credit score is still terrible after all these years and we need to buy a home. 

I have tried working through the credit agencies showing this debt to get it removed from my report due to fraud on behalf of XXXX but PEAKS has repeatedly called it legitimate and renew pressure on me to pay this off. Working with their new collection agency, Activate Financial, they are telling me I have an address in Virginia, and I have never set foot in the state, so obviously there has been some identity theft using someone else 's information to put debt on my shoulders.
Product: Debt collection

At the time that this account was opened on my credit profile, I was not given prior notice that such action was going to take place. The last I had known, that particular account had been closed! 

Upon seeing it newly opened on my account, I only realized after doing some research that it was related to my past closed account with XXXX XXXX. 

My last known notification was around XX/XX/2019, asking for about {$1000.00} to settle the account. At the time I was on XXXX XXXX without pay and could not afford it. Shortly after, about 4 months later, while still on XXXX XXXX I further experienced hardship by then being placed on furlough from my place of work due to the Covid-19 pandemic. 

So in the midst of all of this, the newly opened account popped up on my credit profile without prior given notice and when I researched and called, that is when I discovered that a new company called Jefferson Capital had acquired the account and was asking around about {$1500.00} to settle the account. 

I tried explaining to them both my situation and disposition but they were unwilling to accept any amount less.
Product: Credit reporting or other personal consumer reports

I am sending to formally notify you that I am a victim of identity theft. As provided under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the removal of the following erroneous information from my credit report, as it is related to fraudulent activity and was not authorized by me. Please refer to the attached Identity Theft Report ( # XXXX ) for documentation of this matter. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX BANK XXXX Balance : {$880.00} XXXX XXXX ( Original Creditor : XXXX TXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX  XXXX Under FCRA Section 605B ( a ), I am requesting the removal of the above-listed items and other associated fraudulent information from my credit report. This request is made in accordance with the FCRA 's requirement that XXXX take action within XXXX business days of receiving this notification.
Product: Credit card or prepaid card

There were 2 purchases from XXXX that were two purchases that was made on XXXX XXXX. The first amount was {$100.00} and the second amount for {$130.00}. Both of the orders were canceled. The first order was refunded {$93.00} + {$4.00} + {$1.00}. This would have brought the remaining balance to {$0.00} However, if you look at XXXX XXXX XXXX, as of XX/XX/2022, it still shows of remaining balance of {$55.00}. There should NOT be a remaining balance. This is what I am disputing! The remaining balance of {$55.00}. 

The second purchase was for {$130.00} It was also canceled and refunded {$120.00} + {$4.00} XXXX. This had brought the remaining balance to {$0.00}. This refund is showing correct under XXXX XXXX XXXX. 

As of Today ( XX/XX/2022 ), The remaining balance from XXXX fro {$55.00} was removed from XXXX XXXX XXXX. However, the balance of {$55.00} is still added on my current balance. If you add all the remaining balances that are under XXXX XXXX XXXX  ( XXXX ) plus the {$12.00} transaction from XXXX from XXXX XXXX, it would equal out to {$1100.00}. However my current balance shows {$1100.00}?
Product: Credit reporting or other personal consumer reports

Back in XXXX, I submitted a claim regarding my XXXX XXXX XXXX XXXX XX/XX/XXXX. We are all aware of XXXX violation of FCRA -this loaned was opened in XX/XX/XXXX. Inaccurate payment statuses appear on my credit reports. XXXX XXXX XXXX reflects 60days past due but the account was paid off. I've expressed to XXXX that from me submitting a claim to the CFPB in XXXX that my payment history prior to that reflects not reported. During their lawsuit my account was temporarily removed from my credit report. They're inconsistencies in the 30/60 day payments, last activity, closed date, etc. These inconsistencies are negatively affecting my credit score. I am requesting that this account be removed from all credit reports.
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 USC1681. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 items of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

A reverse ACH direct deposit was initiated by company on XX/XX/2023 on two separate checking accounts. This type of transaction is illegal in the State of California. The 2 checking accounts became over-drafted and negative balances incurred. I immediately filed disputes on the 2 reverse ACH transactions with Citi because the company intentionally violated California law and did so without any agreement to do so, but even if such agreement had been made, you can not sign those rights away in California. Now all of my accounts are restricted and I am unable to access funds from any accounts even the savings account that is not connected to the 2 checking accounts that received the reverse ACH debits.
Product: Payday loan, title loan, or personal loan

I applied for payday loan with XXXX XXXX XXXX, agreement has XXXX credit with finance charge of XXXX total of payments {$210.00}, with equal weekly electronic payments of {$12.00} to start on XX/XX/XXXX and final payment of XXXX on XX/XX/2018. However only 8 payments were withdrawn and then stopped and resumed on XX/XX/2018. There was an additional interest charge of {$47.00} added not related to NSF or late fees. On XX/XX/2018 when I went to XXXX XXXX XXXX office and they stated that I failed to make payments and they sent email related on non payment. I did not however receive any emails, phone calls, or letters related to this matter. They also said no payments for 35 days, offered no explanation and declined to give a refund, stating that it was my fault for not making scheduled payment. Clearly the issue was on there side but they failed to take fault. I even spoke to my bank representative and was no attempt from XXXX XXXX XXXX for payments between XX/XX/2018 and XX/XX/2018. Loan company did not abide by terms of contract with scheduled electronic payments
Product: Credit reporting, credit repair services, or other personal consumer reports

TRIED FIXING THE PROBLEM A FEW TIMES SUBMIT CANCELLATION OF DEBT TO ALL PARTIES FROM IRS PAID IN FULL EVEN UPLOADED PROOF OF DOCUMENTS 1099 C ACCEPTED BY IRS WAY BEFORE NEGATIVE ITEMS HIT AND HARM MY CREDIT REPORT ASK FOR AN REINVESTIGATION OF ACCOUNTS XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX STATES IF STATEMENT FILLED PURSUANT TO RULE 13D-1 ( B ), 13D-2 ( B ) OR C SECTION 18. 1022.22 AFFILLATE MARKETING Coverage. Subpart C of this part applies to any person that uses information from its affiliates for the purpose of marketing solicitations, or provides information to its affiliates for that purpose, other than a person excluded from coverage of this part by section 1029 of the Consumer Financial Protection Act of 2010, title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111203, 124 Stat. 137. Pre-existing business relationship ( i ) In general. The term pre-existing business relationship means a relationship between a person, or a person 's licensed agent, and a consumer based on : ( A ) A financial contract between the person and the consumer which is in force on the date on which the consumer is sent a solicitation covered by this subpart ; ( B ) The purchase, rental, or lease by the consumer of the person 's goods or services, or a financial transaction ( including holding an active account or a policy in force or having another continuing relationship ) between the consumer and the person, during the 18-month period immediately preceding the date on which the consumer is sent a solicitation covered by this subpart ; or ( C ) An inquiry or application by the consumer regarding a product or service offered by that person during the three-month period immediately preceding the date on which the consumer is sent a solicitation covered by this subpart.
Product: Student loan

I applied for the XXXX when the loan forgiveness was initiated. My loans have been consolidated and passed from company to company. In the process my loans have been put in deference sometimes against my request. I made payments during that time to keep interest low. I have resubmitted my employment verification several times and it was either denied or dismissed. Currently they are not crediting me the payments made prior to their service and the ones made in deference even though I have submitted paperwork. They are claiming it's out of compliance but won't help. They also claim that my work ended in XX/XX/2021 even though my work says I'm currently still employed. So none of my payments from XXXX on are counted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card XXXX : Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Name & Address of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Office ( XXXX ) XXXX, Fax ( XXXX ) XXXX XXXX XXXX XXXX, XXXX ( XXXX ) did not complete the goods and services that they had agreed to install a Fire & Sprinkler System at the following address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX Synchrony Bank is a conspirator to the contractors fraudulent inducement to bid a project cost that was unattainable. 

XXXX XXXX XXXX XXXX  Agreement dated XX/XX/XXXX indicated a Target Est. Install Date of XX/XX/XXXX. 

My wife filed a dispute with Synchrony Bank weeks after I had filed my dispute. She received a credit on her account on XX/XX/XXXX for the very same issue that Im having with this company. My wife and I combined our Synchrony accounts together to fund this project from XXXX XXXX XXXX. 

Synchrony Bank have closed out all my accounts under them such as XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and others. The reasons for their decision were, Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay.
Product: Credit card or prepaid card

I got a PayPal credit card with a limit of {$700.00} and paid my payments on time. Then when I paid my last payment I paid the balance almost all the way off. They then took my credit away and are holding my payment for 13 days. They gave me XXXX notification why, seems completely wrong. 

Thank you
Product: Credit reporting or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX on separate occasions most recently being XX/XX/XXXX. ( certified mail ) disputing falsely derogatory information furnished by these agencies without my written instructions. 

It was expressed to XXXX, Equifax and XXXX that according to 15 USC 1681s-2. that I have a right to privacy ( under FCRA ). Furthermore, 15 USC 6801 ( a ) ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 


There are accounts with numerous late payments and reported charge offs and I have requested these statuses be updated/or the account be removed as 15 USC 1666 b states that a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
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 XXXX the consumer financial protection act ( XXXX ). 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 process was unfair and deceptive, as they did not comply with error resolution require requirements under the electric fund transfer app ( XXXX ) and regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information is being reported on my behalf I have disputed the item and it has came back verified but they have not sent me the information they used to verify that the item is correct.
Product: Student loan

The decision maker at Nelnet are willful in not honoring my request to delete my account from XXXX  and XXXX  ; Here 's my point please share with director of compliance, let me explain while there is no minimum time frame a account must stay on report there is a maximum. so at the sole discretion of any company they have rights to remove an account early without violating the fcra. 
I am writing to please ask the director of Compliance to honor my request to remove info off XXXX  and XXXX. Sincerely Resolution Sought Remove account from XXXX  and XXXX.
Product: Credit card

I received communication from Discover Card that they had removed or discontinued some sort of consumer protection service from my account that I had no idea had been activated. When I researched the issue, they had been charging me for more than 50 months for something I knew nothing about. When I called to have them remove the charges from the card, they said they would only remove 6 months worth. I asked them to produce some form of documentation showing where I had signed up for the service and they could not. I would like those fees refunded.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX A. States I have the right to privacy.

15. U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a Account without my written consent. 

15. U.S.C 1681c. ( A ) ( XXXX ) 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 move than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 reporting, credit repair services, or other personal consumer reports

I have sent a letter to XXXX XXXX  XXXX XXXX  - XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX USA on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. A Return Receipt was signed and returned. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.
Product: Debt collection

Portfolio recovery services reported an account to the collection bureaus ( XXXX, XXXX and XXXX ) which has cause negative/adverse action in regards to my credit file. The company never validated the debt in accordance to the fair debt collection practices act as I requested. The company reported this debt without notifying me or validating it. I called the company and the company claim they mailed a letter out in which I never received from them. FDCPA 1692g requires and states that Bill collectors are to validate debts before continuing collection efforts according to section G of the FDCPA. This company has yet to do so and have yet reported this account to the credit bureaus.
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 : Balance : {$220.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$120.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$72.00} Account Name : XXXX  # XXXX : Balance : {$0.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance XXXX {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$450.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 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 reporting, credit repair services, or other personal consumer reports

I was reaching back out to you about some bankruptcies showing on my credit and I have never filed bankruptcy. I reached out to you all back on XX/XX/2021 and the response from the credit bureaus said they were going to investigate the bankruptcies and reach back out. Well they never did and they bankruptcies are still here on my credit almost two years later of me trying to handle this. Now I did get a response from XXXX and they did remove all the bankruptcies off my credit file. Its XXXX and Tranunion who has not responded. These are the bankruptcy case numbers XXXX, XXXX, XXXX, XXXX and XXXX. I even went back down to the Bankruptcy Court in the federal Building for a second time just in case the previous lady gave me misinformation. They guy at the counter asked for my social security number and he stated the exact same thing the first lady said and that I am not in their system. Please have XXXX and Transunion to remove all those bankruptcies off my credit.