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

XXXX XXXX XXXX XXXX ( Case XXXX ) I have been impacted by XXXX, ( ID XXXX XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$90.00} After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages. I
Product: Credit card

XX/XX/scrub>XXXX I requested a bill negotiation by rocket money. The negotiated the bill incorrectly at a lower speed. I contacted them they said they would renegotiate again and that that was their error. My internet provider canceled my service then tried to charge me a reactivation fee.On XX/XX/XXXX at XXXX I requested a cancelation to the bill negotiation with rocket money. 6 hours later they sent me a bill for the negotiations they messed up. They then proceeded to charge me XXXX dollars without my authorization and ignored multiple attempts to contact them to resolve the issue. XXXX did not lower my bill so idk why I'm being charged and especially how rocket money was able to access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer/ natural person and original creditor sent affidavit of truth along with exhibits addressing the issue with my report on XXXX/XXXX/2020 with invoice violations of 15 USC 1681b ( a ) ( 2 ). As of XX/XX/2020 I have not received any mail with my report about the issues the bureaus did not get my written instructions to furnish the information I listed as exhibits.
Product: Prepaid card

I have several cards that have expired in XX/XX/2016 with value left on them. I spoke with citprepaid at XXXX and asked for the money to be reissued onto a new card or have a check issued. They explained once card has expired, they are unable to touch the funds. The agent said her hands were tied and I would not be able to access the $ amount.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft XXXX XXXX XXXX I filled this report because information that has occurred accrued on my account credit account is incorrect and inaccuracy. I have not opened these accounts. These accounts are fraudulent accounts that I did not get any authorization for. In the midst of this report that I'm reporting, I have no acknowledgment how the hackers has accued my information or have any acknowledgment of how they even attain to send my information and attachment of information that was accued to reflect upon accuracies of my address. Social security number as well as phone numbers has been attained as it was accurate in the theft that was cause by me being a victim of a XXXX theft so I am putting and complaints as well as dispute on these matters. On each credit bureaus to correct the errors I am a victim of identity theft Identity theft information XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681c ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am LIVID! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be giving peoples information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. According to the laws about my privacy, this item should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS NEED TO BE REMOVED ASAP XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A transfer was made into my account which I did not do and they said transaction was no good but still let it pass and the put my account into the negative XXXX dollars XXXX transaction were done that I did not do they are also had store transactions done someone somehow got a hold of my online access and when I filed a claim fraud they are still trying to blame me also they said someone had my card on there XXXX XXXX I said then how can this be done by me I said some hacked me I even ended up getting a new phone and they still wont give me my money back and this is with Bank of America in XXXX XXXX
Product: Credit reporting or other personal consumer reports

Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$280.00} XXXX XXXX XXXX XXXX XXXXXXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a count without my writing instruction.

15 U.S.C 1681c. ( aX5 ) 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 1681 s-2 ( AX1 ) a person shall not furnish any information or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I discovered several inquiries that I did not authorize. These unauthorized inquiries have the potential to negatively impact my creditworthiness and financial well-being. They are also violating my rights under the Fair Credit Reporting Act. 

I have already taken the initial steps by contacting the credit reporting agencies involved to dispute these inquiries. Despite my efforts, the unauthorized inquiries remain on my credit report. I have listed the inquiries and the bureaus they are reporting to below. I have also attached my identity theft report. 

Experian : 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
Product: Debt collection

On XX/XX/2023 True Accord Corp added a derogatory mark on my credit report ( XXXX and XXXX ) per experian. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, True Accord Corp has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have sent certified mail 4 times to update my personal information and each time I was advised that the information was updated. I requested a copy of my credit report and received it and my name and personal information has not been updated properly.
Product: Debt collection

I am filing a formal complaint against Columbia Debt Recovery LLC, d/b/a Genesis, specifically against XXXX XXXX, a manager at the company, for violating my consumer rights, engaging in discriminatory behavior, and treating me in a hostile and unprofessional manner during a recent debt collection attempt. 
On XX/XX/year>, I contacted Columbia Debt Recovery regarding a settlement for my account ( # XXXX ). During this call, XXXX XXXX insulted my knowledge of consumer protection rights under federal law, dismissing my understanding of the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. He belittled my efforts to educate myself, stating that my " XXXX and XXXX education '' would not work with them. 
Furthermore, XXXX XXXX spoke to me in a hostile and inhumane manner, treating me with disrespect and condescension. His aggressive and dismissive tone made it clear that he was unwilling to provide the basic level of service and information that every U.S. citizen is entitled to under federal law. 
In addition, XXXX XXXX discriminated against me and refused to provide me with further details about my debt beyond stating how they obtained my current address. This refusal to disclose essential information regarding the origination and validation of the debt is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which grants consumers the right to request detailed verification of their debts. His actions suggest a deliberate attempt to deny me my legal right to clarity and fairness in the debt collection process. 
This behavior is unacceptable and may constitute a violation of my rights under the FDCPA and other consumer protection laws. I request a formal investigation into Columbia Debt Recovery LLC and XXXX XXXX conduct, as well as appropriate corrective action, including : 1. A formal apology from Columbia Debt Recovery and assurance that similar misconduct will not occur in the future. 
2. A full disclosure of my debt details, as required by law.

3. A review of Columbia Debt Recoverys training and compliance practices regarding consumer rights and professional conduct. 
4. Consideration of fines or penalties against the company for discriminatory and unethical collection practices. 
I am prepared to escalate this complaint to additional consumer protection agencies, legal authorities, and media outlets if necessary. I trust that the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General will take this matter seriously.
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing XXXX ; an account XXXX. I have recently made a complaint ( complaint XXXX ) that was responded to ; however the response at XXXX point said " we weren't able to successfully validate the tax return document you uploaded in order to verify the legitimacy of the deposit. This could mean it was altered, expired, missing information, or doesn't match your Venmo Account. However I was never asked to send in any documents regarding my tax refund amount or authenticity of my return. So how can you just LIE an say that?? I have all the proof you need to show my tax return amount, as well as my proof of identity. 


the response also said my funds would be released after 180 days ( 6 months ). This is too long of a wait to not have my funds, as I have to pay rent, child support, my phone bill, ect... I understand they have a policy, but this is just holding my funds for no reason other than to hold them. I've seen numerous reports online about " venmo '' sending XXXX automated responses to people an then holding their funds. It should not have to take 180 days to realize if funds were fraudulent or not, let alone to return them to a consumer who is verified on your platform. I NEED my money sooner than 180 days, I am going through financial hardship an I cant afford court. 

I ATTACHED screenshots of our conversations an not once was I asked to provide a tax document to verify the legitimacy of my deposit... I also attached a screenshot of my tax return status off the irs website " wheres my refund '' So whats the excuse now, other than holding my money.
Product: Debt collection

I am writing about a collection on my experian credit report. The collection comes from XXXX XXXX. XXXX XXXX XXXX is handling the collection. I have been a victim of identity theft and someone setup account with several credit card companies acting like me and never paid them. I have report this on all my credit reports. There is a fraud alert too. The amount is showing up as {$910.00} and as a negative collection. I need XXXX XXXX XXXX to remove it completely from my Experian report. I am refinancing my home and they indicated that it would have to be removed and corrected before I can move forward. I am just being honest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a letter with Experian to update my personal information. I received a response from Experian on XXXX and upon opening the letter from Experian, they had cited my name incorrectly. In addition, they did not delete the address at which I am not a resident nor have any affiliation. According to the FCRA, if the addresses noted below are not deliverable to me by the US Post Office, they are not reportable as per the FCRA, since they are inaccurate. My original letter included a copy of my drivers license which showed my only true and correct name, in addition it cites my correct address. I also attached a current utility bill that shows all the correct information. I sent them a second letter stating they did not change any of these items and resent all the verification info and the information on my credit report is still incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently XXXX XXXX wrote back to me, and addressed my concern about a late payment in XX/XX/2018 and I was told to forward that letter to Experian and XXXX  ... Experian and XXXX  still will not remove the late payment ... I do not understand, and litigation will surely follow ... I am quite displeased with the false reporting, and XXXX verification method which is faulty, and have so many consumers displeased ... the companies and collection agencies are not verifying these items, and even when this is brought to the attention of the bureaus that still insist on violating the law and our rights ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this situation with all 3 credit bureaus. I have been a victim of identity fraud my identity has been found on the dark web and XXXX data breach. This has affected me from purchasing a home for my kids and providing a better life. 
According to the ( section code 15 U.S. Code 1681 b Permissible purpose of consumer reports ), violation of consumer privacy act. the law prohibits any fraudulent accounts from being reported on my account I demand immediate removal.

failure to do so i will execute my ( consumer rights code 12 U.S. Code 5533 consumer rights ).

The following account are fraudulent accounts I demand immediate removal. 
XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX Following Inquires were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with each of the 3 major credit bureaus. I have provided substantial evidence of their erroneous reporting of my credit specifically a tradeline for XXXX XXXX XXXX who is notorious for sending wrong and fatal payment history data to all 3 credit bureaus. My evidence shows an online payment transaction history for the year 2016 reflecting no 30 day late payments were ever made to XXXX XXXX XXXX however Equifax, XXXX, XXXX and XXXX XXXX XXXX refuses to remove the erroneous information which is a direct reason why I was denied a home loan.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is NOT a duplicate complaint to previous one filed.- XXXX US Bank has NOT paid the fine authorized by CFPB for {$37.00} XXXX or the fine for opening unauthorized accounts in XX/XX/XXXX : XXXX XXXX XXXXXXXX US Bank has NOT paid the fine authorized by Southern District of New York fines that were supposed to be paid in XXXX two years after the lawsuit in XXXX for {$520.00} XXXX : XXXX XXXX XXXXXXXX US Bank opened several unauthorized accounts and money transfers in XXXX. 

1 ) Unauthorized opening of guardian account for XXXX XXXX by XXXX XXXX without a guardianship award by a court of law 2 ) Unauthorized transfers of XXXX XXXX 's money, over {$10.00} XXXX, from Oregon US Bank accounts into XXXX XXXX 's online US Bank accounts in Florida and monthly guardian account transfers 3 ) Unauthorized changes of US Bank IRA beneficiaries on XXXX XXXX 's accounts by XXXX XXXX enabled by US Bank 4 ) US Bank Non-compliance with subpoena in XXXX 5 ) US Bank is responsible for money laundering and BSA violations of stolen money from XXXX XXXX 's accounts US Bancorp refused to pay the {$37.00} penalty levied by CFPB or the Southern District of New York penalty of {$520.00} XXXX for these violations
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and dissatisfaction regarding an installment account named AFFIRM that appeared on my credit report in XX/XX/2023. To clarify, I never authorized the opening of this account, and I promptly reported it as fraud upon discovery. 
Despite my diligent efforts to rectify the situation, the account has not been removed from my credit report, and I have not received any valid reasons or proof for its persistence. I want to emphasize that I initiated a fraud investigation with your bureau, and to my dismay, there has been no follow-up or resolution. 
This unauthorized entry is adversely affecting my credit score and financial standing, and it is imperative that this matter be addressed promptly. I kindly request a thorough and immediate investigation into the AFFIRM installment account discrepancy, along with a detailed explanation for its continued presence on my credit report. 
I expect your prompt attention to this matter and a timely resolution to prevent further damage to my credit profile. Your cooperation in resolving this issue is crucial to restoring my financial credibility.
Product: Student loan

I dispute this information with Navient and they keep parroting back that the information is accurate when it is not. 
In 2017 I called my student loan Federal loan to get IDR. I was approve for IDR and and Navient contact me that they got the IDR. But now Navient keep reporting me as late in from XXXX to XX/XX/2017 and then XX/XX/2017. What is strange about it is that I was current in on XX/XX/2017 and mysteriously Navient report my account 90 days late in XXXX. I disputes this and Navient refuse to correct the wrong reporting. 
Also Navient is reporting XXXX XXXX account that is inaccurate.There is another account XXXX/ Navient which is a duplicates and should be deleted.
Product: Payday loan, title loan, personal loan, or advance loan

I was charged XXXX XXXX every two weeks I was late for my payment. I paid off all my charges and now I have {$500.00} in late payments. One example is {$140.00} charge for XXXX that Ive been charged {$45.00} in late fees for.
Product: Student loan

I consolidated my loans with Navient and have spoken with several customer service reps regarding my student loan repayment plan. I have been working for a Non Profit organization for almost 6 years. I told them that i would like to ensure that whatever repayment program I am placed on qualifies me for loan forgiveness based on the fact that I work for a non profit organization. I was very angry to eventually realize that Navient does not do the loan forgiveness program and that my loans will have to be signed over to XXXX XXXX and I had to be on an IBR repayment in order for my payments to be counted as qualifying payments. Navient placed me on a standard repayment plan, which I have called several times asking if this repayment program qualifies me for loan forgiveness through my employer and I was told yes. Through my own research I realized this was not the case, unfortunately not until late last year. I had my loans transferred to XXXX, only to be told that none of my payments that I have made to Navient for the past 5 years will be counted towards my loan forgiveness period!!! I am very upset that my 10 year calculation just started in XXXX of 2016! I will not be getting credit for 4 years of on time payment! Navient id a rip off and was only concerned about my payments which may I add was almost double what I am paying now in a qualifying program. They need to be held accountable for jeopardizing my loan forgiveness period and ripping me off!