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

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have filed multiple times that I do not nor have I have had XXXX XXXX XXXX which is based in XXXX Texas. This company dies not operate in New Jersey. This is the state I have lived in for my entire life. I do not have any solar panels nor do I have any business with this company. No bills have ever been sent to my house. This is not mine. I have filed this 3 times this past year. I have amazing credit because I work hard to pay all my bills on time. This company is not a legitimate company. This {$280.00} bill is not mine.
Product: Vehicle loan or lease

I made a ACH payment which caught me up on my car payment then I did a debit hit me by mistake I'm asking them to refund me that payment so I can get by the rest of the month for my medication and other bills that I need to take care of and they're refusing to refund me that {$1200.00}
Product: Money transfer, virtual currency, or money service

My account got locked after I tried to deposit and withdrawal money
Product: Student loan

Constantly being harassed by individuals that have no idea what they are doing. I get told something different by each person that I talk to. Have received several calls from them and they immediately disconnect from the line after I state hello. I called five times today to make a payment and they hung up on me every time the call transferred. Now they are providing misleading information about the delinquency terms without the ability to back it up. Something needs to be done about this predatory institution. Just look at their reviews online ; everyone that had a loan purchased by FirstMark has the same complaints. We need action immediately.
Product: Student loan

After numerous attempts over a period of a year, I am not able to receive the following from my current and former Student Loan servicers : Total accounting of my student loan accounts, including payments and tax return offsets. These items should have exact dates! 

PHEAA / AES XXXX XXXX XXXX XXXX. Department of Education XXXX XXXX XXXX My loans balances were inflated after defaulting in 2008. I consolidated with PHEAA. I have yet to see a complete accounting breakdown of transactions with dates. I have not received my consolidation paperwork. 

PHEAA never actually consolidated my loans. All 3 loans are still showing as single loans. Even though they were supposed to be paid off with the tax return offset. The balances were inflated before the sale. The loans have since been resold multiple times to servicers and collection agencies that are either no longer in business, no longer legally permitted to service Federal Student Loans or Bankrupt. 

Every single company and government agency has " passed the buck '', claiming that another is responsible for providing the requested documents. Even reaching out to and submitting a formal complaint to the US Department of Education 's Office of Investigations has yielded a 180 to being told to reach out to the servicer! 

Meanwhile my tax returns have been taken for over the amount owed but I still have a rising balance despite there being a National freeze on all Federal Student Loans! 

Please assist. This is ruining my life. 

Sincerely, XXXX XXXX
Product: Debt collection

I am a victim of identity theft. I have been receiving harassing and threatening telephone calls, along with death threats from EOS CCA representatives for a fraudulent and unauthorized account that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to request a reinvestigation of the following account on my credit report, as I believe there are inaccuracies : Account Name : COMENITY BANK/EXPRESS Account Number : XXXX I request that the Consumer Financial Protection Bureau assist in ensuring the accuracy of this account 's reporting under the Fair Credit Reporting Act ( FCRA ). Please investigate this matter thoroughly and correct or remove any errors found. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX, experian XXXX  XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Debt collection

The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
Product: Credit card or prepaid card

At XXXX-EST today XX/XX/XXXX, I received a text saying " Your Chase card needs attention. Please go to chase.com or call XXXX. I called the number because my wife and I are working to resolve a current problem with Chase. A " representative '' named " XXXX with employee ID of XXXX '' asked for the credit card # and my last 4 social security numbers... which I provided. My wife overheard and thought it was suspicious and we hung up shortly after. I then called Chase at XXXX and was told the text was not from them and they didn't recognize the XXXX # as one of their call back numbers.
Product: Credit reporting or other personal consumer reports

I am filing another complaint against Experian they did not properly investigate my complaints. 

To Whom It May Concern, ** This letter is a formal demand for the **immediate deletion** of a negative Charge-Off accounts- XXXX XXXX  # XXXX {$480.00}, XXXX XXXX # XXXX {$590.00} XXXX XXXX XXXXXXXX XXXX # XXXX that is being **illegally** reported on my credit file. I am well-versed in consumer law and the requirements for proper reporting, so I know when my rights are being blatantly violated. Let me b

e clear : if an account is charged off, the creditor MUST issue a **1099-C ( Cancellation of Debt ) ** form to legally consider the debt canceled or paid in full.

You are reporting a charge-offs without any evidence of a 1099-C being filed with the IRS, which is deceptive, misleading, and a violation of the Fair Credit Reporting Act ( FCRA ). Under **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) **, furnishers are required to update information and report accurately. If youre reporting these accounts as a charge-off, where is the proof that the debt was *charged off* or *canceled*?

Additionally, by failing to remove or correct this inaccurate information after my multiple attempts to dispute it, you are in violation of **15 U.S.C. 1681i** for failing to conduct a reasonable investigation into my dispute. According to **15 U.S.C . 1681e ( b ) **, you are required to ensure maximum possible accuracy in my credit report, and right now, youre falling short.
Product: Payday loan, title loan, or personal loan

I was contacted by an employee who works in payroll for my company. She asked if I authorized XXXX from XXXX XXXX to garnish my wages. I responded that I certainly did not authorize this and that XXXX XXXX definitely did not have a court order authorizing wage garnishment. I asked for a copy of the paperwork and she forwarded it to me. I 've attached a copy of the " Wage Assignment Demand Notice. '' I 've placed " XXXX '' in place of my name and personal information along with the name and address of the company I work for. I can provide a copy of the unedited wage garnishment if requested along with the email from the Human Resources professional in my company who originally received this notice. Thankfully, my payroll department did not process this notice but I 'm concerned that other companies with less experienced payroll processing may have fallen for this illegal tactic. 

I am still considering my legal options here as this appears to be a very clear violation of the Fair Debt Collections Practices Act. I suspect this is a common tactic with this creditor as a quick XXXX search reveals many other people who have fallen victim to this.
Product: Credit reporting or other personal consumer reports

I recently looked at a review of my credit report, and I have noticed I have become I victim of identity theft. Plenty of accounts I do not open causing me to have trouble in my financial aspect of life. I request that you please remove these unauthorized accounts of my account immediately, thank you.
Product: Payday loan, title loan, or personal loan

I believe this company is a not trustworthy and a scammer. A person named XXXX cold-called me on Friday XX/XX/2020 from XXXX XXXX XXXX XXXX. He said he had previously contacted me via a letter mailed to me and talked to me about an updated financial relief program as of last week. He told me to call back at XXXX XXXX XXXX XXXX and he'll cover all my options. He said he had all my information on his screen already. 

I called them back and talked to a different agent, and then directed me to another agent who was from XXXX XXXX. He said I could qualify for at {$15000.00} or more loan. I provided my name, SSN, and mother 's maiden name over the phone. Afterwards, they sent me an email with a contract, which I digitally signed. After doing more research into their company, I realized I did not trust them. Their physical address in XXXX XXXX, FL on the XXXX XXXX XXXX ( XXXX  ) website was linked with 2 other loan companies : The Borrowing Club and Unsecured Loan Specialists. I realized I had made a mistake, so I am filing a claim against the company and to protect myself from identity theft. I have also made a fraud alert on my credit reports to protect myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, Good morning, I hope your doing very well. 

my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 5 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

XXXX XXXX XXXX  XXXX I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,
Product: Debt collection

Letter from Credit Collection Services, stating I owe {$110.00} to the XXXX XXXX XXXX. I do not have any insurance of any kind with this insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit card

Discover placed an Authorize Hard Inquiry on my XXXX report, I 've contacted them over and over. They sent me a letter saying it was there mistake and that they will remove it, but still have not done it after months and months if not over a year of me asking them and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly, over many years, tried to obtain my free XXXX XXXX XXXX  from Experian. Experian has constantly reported a technical problem with their business that prevents me from obtaining a free copy of my credit report online. The report is required to be available upon request by law. Each time I write to the address provided I am returned a form where I must provide substantial personal information Experian intends to monetize for profit while failing to investigate credit card disputes. This is a pattern of criminal behavior by this organization intentionally designed to defy Congress and the CFPB 's requirements that United States citizens be able to obtain an annual copy of their report without undue burden. I have also disputed a {$50.00} medical collection debt multiple times only to find Experian refuses to invest labor resources necessary to confirm the debt is mine or provide evidence of the debt even exists. Of course each time I request information about this debt Experian simply responds with an offer to purchase additional products and services to help me investigate and dispute this debt. This is a violation of the law and should be investigated/prosecuted. I expect the CFPB to do their job and penalize Experian for this behavior. 

We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

I discovered fraudulent activity on this account in XX/XX/18, $ XXXX.I contacted the company without any resolve.
Product: Credit reporting or other personal consumer reports

RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit r
eportingTheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 
XXXX/DEBT OF ED XXXXDEBT OF ED XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

Fund transfer was done on XXXX XXXX 2015 and suppose to be delivered to receiver by XXXX XXXX 2015 but till XXXX XXXX fund not received. As per Western Union money delivered to Receiver 's bank and Case XXXX was opened and resolution till today. receiver have to go to the bank every day to check but no fund in the account and receiver 's bank has no record of fund transfer received from Western Union.
Product: Credit reporting or other personal consumer reports

I would like all reported account removed from XXXX and XXXX of collection and late payment due to my information being exposed Equifax databreach XXXX XXXX XXXX XXXX. 

I should have only one address reported which XXXX XXXX XXXX XXXX Michigan XXXX where I currently reside at
Product: Credit reporting or other personal consumer reports

Accounts and information on my reports are inaccurate and have hurt my score and my job outlook. 


XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$270.00} XXXX Account charged off. {$270.00} written off. {$270.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$100.00} Status Open. {$49.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$240.00} Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative
Product: Checking or savings account

I'm a XXXX Veteran, with no place to live caused by my mother 's passing. Moreover, I was outside the US from XX/XX/XXXX to XX/XX/XXXX when the incident in question occurred. 
Between XX/XX/XXXX to XX/XX/XXXX XXXX failed to protect my security, interest and money. On XX/XX/XXXX, I reported fraudulent activities on my account and called their fraudulent department. As a result, they froze my account and debit card. As I explained to them over several calls every day, a new account was supposed to be set up, so I can survive. They failed to comply due to an oversight and incompetent staff. On XX/XX/XXXX, SUPERVISOR XXXX from the fraud department recognized and admitted the mistakes made by several subordinates and nothing could be done to open a new account. 
As a result, I've encountered many obstacles outside the US, as well as incurred many additional expenses which I filed complaints with the XXXX and the OCC for reimbursement. As of today TD BANK refused to acknowledge and to reimburse me for expenses caused by their mistake. On XX/XX/XXXX, i was forced to return to NJ and walked into the XXXX XXXX branch to open the account in person. The account was supposed to be opened over the phone. It was a failure by several representatives. All the proofs were provided on XX/XX/XXXX. It was the worst banking experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Included in bankruptcy years ago. Over 7 years ago. It keeps reappearing with a more recent date. I have tried to communicate with company and get the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the placement of discharged bankruptcies that were placed on my Credit report with XXXX, Equifax and XXXX on XX/XX/2023. After nearly a month in a half later, XX/XX/2023, these items weren't removed as requested due to them verifying that the information of these items were obtained by the Courts. However after notifying the courts and inquiring about the accuracy of them ( the courts ) providing this information, the courts informed me via certified letter that they indeed did not disclose my information to be utilized by any credit bureau or secondary entity.
Product: Debt collection

XXXX XXXX XXXX has reached out to me threatening to take me to court and such for a past due collection. i was going to pay the amount due in full when i realized theres no formal way to submit my information. i do not feel comfortable providing my banking information via email as the company requested. after doing my research, i learned that XXXX XXXX XXXX is a collection scam. they have threatens other in the state of Washington ( and probably everywhere else ) with 1. ) Violation of federal banking 2. ) Collateral check fraud 3. ) Theft by deception. i am now concerned about what to do from here on. i have requested verification of the person requesting my informations legitimate and legal licensing.
Product: Debt collection

This is regarding the : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX When we moved out of our apartment in XXXX, CA. We were never informed or asked for a forwarding address after we moved out. We were given the impression just to turn in our keys and vacate the apartment in a clean and orderly manner. We weren't aware that we were gon na get billed let alone sent to collections. The only reason we were made aware of the collection on the bureaus was when we were getting ready to purchase a Home. We have since paid this debt in full. But this is still an issue because we are now trying to refinance our home and it's showing a as a negative on my bureaus and causing me not get the refi or pay a higher interest rate. This is simply not right and I'm asking for your help.