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. 

XXXXXXXX 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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

For the last year I have been trying to get in touch with the Public loan forgiveness department under fedloan servicing. Fedloan servicing is the worst loan servicer and company I have ever had to deal with it. I want more information on how to get more credit for months when I was working at XXXX and when I ask an agent to speak with the Public Loan forgiveness department, they place me on hold for two hours and hang up on me as soon as someone picks up the phone. I have not been able to reach anyone for over a year to ask about the PSLF waiver update and how to be able to use it. Specifically the PSLF department at fedloan servicing is not responsive. Today on XX/XX/22, I called again and after over an hour of waiting on hold for that department, a horrible customer service representative answered the phone and refused to identify her name and refused to even confirm that I reached the correct department. 

It is very difficult to get the full advantages of being in the public loan forgiveness program when customer service in that department at fedloan servicing is so unhelpful and it is not possible to get any information. This representative was very nasty and refused to give me her name. However in general it should not be so impossible to get in touch with someone from this servicer. They are not helpful with any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

this ( CCS COLLECTION ) debt was paid with the original creditor before the creditor gave my information to this collection agency and they reported a collection with the credit bureus
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$5200.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$89.00} ; XXXXXXXX XXXX XXXXXX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

We purchased a XXXX  XXXX mattress from XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$4400.00} which was described to us as a mattress that a customer didn't like in their trial period. This mattress was supposed to be no more than XXXX  days old. When the mattress arrived, the tag on the mattress was more than XXXX XXXX XXXX and was not a factory XXXX. It was very obviously a very used and shot mattress. I tried to get the company/ XXXX to pick up the mattress and refund and they would not. I disputed this with Charles Schwab and today received notice without any explanation the bank didn't not resolve in our favor. Clearly Charles Schwab didn't do a good investigation into this. If this isn't fraud, then nothing is! We have no idea how this is possible with this mattress clearly being fraudulently sent as a XXXX XXXXXXXX when really it is over XXXX XXXX XXXX. We have the mattress Tag! They even tried scripting out the date to make the mattress show 2 years newer than it is. 

Please help us.
Product: Credit reporting or other personal consumer reports

In order to REMIND XXXX and TransUnion Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that XXXX XXXX MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ) XXXX : {$580.00} XXXX XXXX XXXX XXXXXXXX XXXX I ( original creditor : XXXX XXXX XXXX ) XXXX Original Balance : {$15000.00} Bankruptcy chapter XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX is reporting a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A 1099-C was filed, but I have not received my copy. 

XXXXXXXX XXXX XXXXXXXX shall remove this charge off from all consumer reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion charged me {$1.00} for my " free credit '' report. They then contacted me via email stating that I had signed up for a year long {$19.00} a month Credit Service for a year which I did not. TransUnion and have not responded to my emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a non reply email from CFPB stating, " Thank you for your complaint XXXX about EQUIFAX ''. We 've sent your complaint to the company for their response. Here is the problem the Credit Reporting Company ( EQUIFAX ) place me under FRUAD ALERT without any request or authorization from me then send out inquiries for information. After a company provides incorrect information the Credit Reporting Agencies treat the information as genuine without making any examination or comparison with the information that 's already on file that was previously reported. If this was being performed they could see and understand why the Consumer filed a Complaint/Dispute when the facts from the information do n't add up. The Consumers explanation and documents of proof receive little to no consideration against what they receive from the erroneous investigation. When a company reports something one way over a long period of time and then there is a change and negative reporting starts there is another side to what the company is claiming and offering as genuine. EQUIFAX is just going thru the process without providing the consumer the benefit of determining the true facts that would assist the Consumer in having a valid Credit History Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXXXXXX XXXX Balance {$4900.00}.
Product: Credit reporting or other personal consumer reports

I filed a dispute on southwest credit system and XXXX XXXX due to the reason put on XXXX XXXX denied to follow up with the investigation I recently was notified that CFPB has found a lawsuit against the company they alleged the company of accepting unreliable information failure to notify consumers dispute results this aligns well with my situation XXXX has not removed nor correct any infirmation im requesting this derogatory mark be removed as it affecting my chances of getting a house/car XXXX violates my rights as a consumer as well as fedal laws
Product: Money transfer, virtual currency, or money service

Today i tried to make a global transfer to aNother citi bank account and was told for security reasons i could not. Although i was transferred to the fraud department and they did not see any fraudulent activity and escalated the call to supervisor XXXX XXXX to unblock the account after verifying my account by asking me all the security questions needed she could not tell me why and instead said its for security reasons and told me to try again another day. My money is being held hostage and as a consumer i have a right to access my account and withdraw as i please ESPECIALLY when the fraud department stated my account didnt have any fraud. AT THE VERY LEAST I SHOULD BE GIVEN A REASON WHY
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Upon reviewing my credit reports, I noticed that there may be some violations per the Fair Credit Reporting Act. I noticed with the credit collections account number XXXX on XXXX the date opened states XXXX and for Experian it reports open date as XXXX. The other account with the same creditor account number XXXX states that there is a balance of {$700.00} owed on this account but there is another account under the same exact name and amount owed account number XXXX states this account was opened XXXX. Neither of these accounts am I familiar with. There are two other accounts that I am not familiar with until I currently reviewed my credit reports. One account is XXXX XXXX ( XXXX XXXX XXXX account number XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX ) account number XXXX. I also noticed with this account that there are inconsistencies in the balances on Experian the balance reflect as {$760.00} while on XXXX the balance reports as {$760.00}. Please remove these unfamiliar accounts that is possible fraud accounts. 

I also noticed that there are an enormous amount of inquiries on my reports that have not been requested by myself. I am asking that these request for credit inquiries please be removed. These inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks again please do a detail investigation of these accounts and remove as soon as possible because they are having a negative effect of the scores reporting on all three credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is not reporting the Date of First Delinquency ( DOFD ) accurately to the credit bureaus. The account is not current but the payment history is inaccurate. The correct date of first delinquency is XX/XX/XXXX. Bank of America is not reporting any first date of delinquency. Multiple attempts have been made to correct this but they are unable or unwilling to correct it. They gave me an account history from XX/XX/XXXX which shows the correct first date of default, but they are not correcting it to the bureaus. The credit bureaus do not accept payment histories.
Product: Mortgage

The info that was sent does not show anywhere on any of the forms the original documents, why my statements for 2 years never came to me, and why my payments are drafting as " cash '', and why my home and land are separate and why PennyMac even has my loan bc it was originally thru Bank XXXX XXXX
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked informati
on. 
The reference items are listed below please take this matter very serious EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit card is showing a balance and there is no balance
Product: Student loan

this loan originated in  XX/XX/XXXX . I have made consistent payments since  XX/XX/XXXX . almost 10 years. Variable rate loan. I have made late payments but the payments have been made monthly with a few exceptions. The balance never goes down, For the original  XXXX  loan I pay arou nd 96.00 p er month. the pay off date is  XX/XX/XXXX . Every time I request a payoff the balance is the same, Just over  6k. NAVIENT h olds the loan. I have asked customer service repeatedly about this problem and requested payment histories to no avail. They say its the interest. I was told 2 years ago I should start seeing the UPB go down I have seen little to no no decrease. I have heard that Navient previously  XXXX   XXXX  have used questionable billing tactics in the past and I just want to know if my payments are being applied properly.
Product: Debt collection

Today XXXX XXXX, gave me a call saying she is a court mediator XXXX fraud cases filed against me in XXXX County the county in which I live. 
Advisor I 'm not familiar with this debt and believe it may have been fraudulently done by my ex had access to my bank account but I do not know that for sure and to send me information and verification of debt as I 've asked many times from the same company, I 've been dealing with this company for a year and have still yet to get any verification of debt. 
She said if I did not pay the settlement amount of {$160.00} today I would be served within 72 hours and if it was my ex has filed it that 's not that I am still the financial person on there and need to pay this debt today.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed below must
be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for an auto loan with AUTOTRAKK LLC, this is a fraudulent account reporting on my credit profile which is violating my rights under Fair Credit Reporting Act 15 U.C Code 1681. This Fraudulent account is hurting my ability to obtain credit because my credit report is not updated accurately. I didn't give XXXX the right to furnish my consumer report to AutoTrakk LLC. XXXX is a third-party corporation, and I didn't give them permission to use or communicate my information with any third parties under U.S. Code1692c ( a ). I am demanding that Autotrakk be remove from my credit file immediately. 
I will be seeking statutory damages.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX we were lied by XXXX XXXX... bad business practice. They told us we could rent the timeshare anytime and travel anytime we wanted to. No extra annual fees or any hidden fees. They made us sign in a rushed environment. That has been the biggest mistake of my life. We paid them {$5500.00} in downpayment and monthly fees. 

In XXXX we started seeing other fees to pay and annual fees that they did not inform us of. 

In XX/XX/XXXX and forward we started communicating thru emails and calls about cancelling the timeshare because of the hiding fees and because of XXXX and all the financial difficulties we were having and still have. We told them we wanted to sell it back to them or just give it to them back and take the {$5500.00} we had already given them as a loss. They said no and have been informing the credit bureaus that I am " late '' and this has resulted in my credit score to drop. We NEVER used the timeshare at all and want them to please cancel this timeshare.
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 XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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

Experian currently reports an illegal inquiry under fcra rules section 1681. 

XXXX is being reported without permissible cause, no loan or credit has be extended. A violation of FCRA rules section 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

General Revenue Corp # XXXX is reporting a debt I do not owe. This debt is old and I have already paid it off, it should no longer be reporting to my credit.