23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have already graduated from school. I have been dealing with the crook practices of Sallie Mae/XXXX since I have graduated. We have already contacted our local news station and after that they were willing to work with me. However, the person I have been talking with these past 3 years is moving positions and I had to return to calling the XXXX number for them for the rate reduction plan. Basically they are very unwilling to work with getting the payment to a manageable one based on my income, basically leaving me penniless between expenses and their payment, which would eat up the entirety of one of my bi-weekly paychecks. I expressed concern, bringing up possibility of emergencies for an example and they were extremely uncaring and did not want to budge. I am not unwilling to pay them, I understand that but they need to work with customers. I have had nothing but issues with them since 2011, even then they were threatening me and insulting my intelligence, basically calling me an XXXX, by one of their managers.
Product: Credit card

I have XXXX charges from XXXX XXXX  on my account XXXX. {$22.00} on the XXXX, XXXX for {$200.00} on the XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I made an agreement to pay off a debt with XXXX with the company mrsassoc. I pay them {$500.00} every month automatically pulled out of my account on the XXXX. Its only the XXXX and XXXX all of a sudden dinged me for not paying XXXX. 1. I pay the debt collector not XXXX 2. The money automally pulled 3. It dropped my score XXXX points and Im closing on a house next month I paid off all my debt to help my credit and they just ding my account like that?! I havent missed a payment again I pay every month automatically have it taken out. Please help me ASAP
Product: Checking or savings account

My direct deposit should have been available on Thursday XX/XX/XXXX at XXXX XXXX. It is now Friday XX/XX/XXXX at XXXX XXXX. and I still do not have my money. This leaves me unable to pay my bills. It is my money and it can not be withheld from me. Capital One sent an email late Thursday saying the issue should be fully resolved by Friday morning. That obviously did not happen. No update to timetable. Any responses I see from the company are canned responses with no real information. With the weekend and a federal holiday coming, I need this to be resolved NOW! They have been trying to resolve this issue since Wednesday XX/XX/XXXX and it has been over 48 hours with no resolution. I also fear any money that is in my account can't pay for bills that use ACH payments, making this more than just not receiving my paycheck. If I have a late payment, I will incur fews and it will trash my credit score. That is completely unacceptable.
Product: Credit reporting or other personal consumer reports

I have become a victim of identity theft. I have filed reports with both the Federal Trade Commission and the CFPB. Please see the enclosed reports. There are recent inquiries on my report that I did not authorize. 

All required documentation is within this packet and mailed to your agency via USPS-certified mail with tracking. I hereby request the following unauthorized inquiries be deleted from my credit report immediately. 

Please remove the following unauthorized hard inquiries from my credit report : 1 ) XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

You have multiple address and names on my credit profile. You should only be reporting my only one and only verifiable address and real name. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NC Under the FCRA, you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above.
Product: Credit reporting or other personal consumer reports

Someone used my identity and opened up a XXXX XXXX XXXX credit card. After XXXX investigations. They kept saying I am fully responsible for the balance. The balance is {$660.00}.
Product: Debt collection

The collection agency is collecting for a non debt. I cancelled that company and they provided no services for the money they want. The so called prescription coverage was cancelled when I had a XXXX copay on a prescription that cost me without insurance XXXX. Not only are they thieves so is the collection agency that attempts to collect a false debt. If this goes on my credit report I will sue through the Attorney Generals office of the state of Washington. Collection companies should be required to make sure they are collecting a valid debt otherwise things like this happen. I am not your normal passive take it in the XXXX person I will pursue this to the end and beyond. I am so disgusted with rip off health care I am devoting a part of my life to make companies accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below indicate my federally protected consumer right to privacy and confidentiality under 15 USC 1681 have been violated. 

XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$340.00} XXXX Opened XX/XX/XXXX {$710.00} 15 U.S.C. 1681 Section 602 A - This states I have the right to privacy 15 U.S.C. 1681 Section 602 A Subsection 2 - Also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681 Section C Subsection A5 - States no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 Section S Subsection A1 - States 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

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees ere accessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX Account # XXXX Account type : credit card In accordance with the fair credit reporting act, public law 91-506, title VI, section 611 please provide the names and business addresses of each individual with whom you verified above so I may follow up. please send an updated copy of my credit report after your reinvestigation.
Product: Debt collection

Amount {$1300.00} To Whom : XXXX XXXX Collections agency : Sunrise Credit Services , Inc . 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX This debt is not mine. I contacted Sunrise Credit when I noticed my score was suddenly severely reduced and we established the email associated with the debt is not mine. 

They have simply ASSIGNED the debt to me. 

This resultant action has reduced my credit score from XXXX to XXXX currently, from this one and only negative entry.
Product: Credit reporting or other personal consumer reports

My Identity was stolen. I have included my police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Writeup : 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Inquiry details XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

I Have In accurate, unauthorized and fraudulent of inquiries on my report. 
XXXX XXXX XXXXXXXX All Banks XX/XX/year> Experian XXXX XXXX XXXX XXXX All Banks XX/XX/year> Experian XXXX XXXX XXXX  Credit Cards XX/XX/year> Experian According to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I Need these items deleted immediately.
Product: Credit reporting or other personal consumer reports

PNC BANK XX/XX/XXXX PNC BANK XX/XX/XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

PNC BANK PNC BANK are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time.

" I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am filling against Equifax for failing to properly investigate my disputes regarding inaccuracies, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act. which mandates a reasonable investigation of disputes. Equifax 's actions also contravene the consumer financial protection act. as highlighted in the CFPBs recent administrative proceedings ( file XXXX ) against them for similar violations. I requested that the CFPB take action to ensure Equifax complies with federal law and provides consumers with proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all accounts that I have previously requested disputes for through Equifax.
Product: Credit reporting or other personal consumer reports

Notice Of Dispute : This is in Reference To Account # XXXX ( XXXX ) Dear Comenity Capital, I am writing to dispute the reporting of alleged late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that have been reported on my credit report. I never received any notices in writing from you stating that you were going to furnish negative information in the form of a late payment to a consumer reporting agency. This is a violation of the FCRA per 15 USC 1681s- 2 ( 7 ) ( A ) ( i ) and it is your duty as a furnisher of information to comply to ALL FCRA requirements! 
I am requesting you provide me concrete evidence such as the notice in writing with a certified tracking number for proof of delivery and date, as I should have received this maximum 30 days after this information was furnished on my credit report. If you are not able to provide the requested information I am demanding you modify the payment history of the alleged ALL of the late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to an On-Time payment ( OK ) or No Data ( ND ) immediately! Please update these records with XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern, The reason for my dispute is I C SYSTEMS COLLECTIONS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEMS COLLECTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C SYSTEMS COLLECTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEMS COLLECTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where I C SYSTEMS COLLECTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report I C SYSTEMS COLLECTIONS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, UNIFUND CCR LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA UNIFUND CCR LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

2 Remaining Negative Accounts. 

Account Name : SIMMONS XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable XXXX. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Product: Credit reporting, credit repair services, or other personal consumer reports

file a dispute on XX/XX/2021 with Transunion, XXXX  and XXXX about inaccurate things and unknown things on my credit report. To this date 95 days I have not received a response yet. It has been well over 30 days and I havent received any investigation results. I feel like I am being taken advantage of and being ignored on my disputes. Also, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. If not deleted I will fill for limitation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten in the hands of the wrong person. I DEMAND THESE ITEMS DELETE RIGHT AWAY.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report 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
Product: Debt collection

On XX/XX/2018 I paid a {$950.00} settlement payment to Portfolio Recovery and removing the inquiry from all three credit reports which was agreed upon by both myself and the company. However, the additional amount of {$230.00} remains requested on my credit reports and this is not cooperative with the settlement agreement that we made.
Product: Checking or savings account

Beginning XX/XX/year>, Capital One began experiencing technical difficulties with a third party vendor which delayed direct deposit transactions. This issue is still ongoing as of XXXX XXXX, XXXX, and we are still waiting for our hard earned money to become available in our accounts. 
Capital has sent one email regarding this issue at night on XX/XX/year>. The email had no valuable information and no ETA as to when the issue will be resolved. When you call Capitol One 's customer service number, you can not reach a representative, the phone literally rings for over an hour before you are disconnected.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : 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 or other personal consumer reports

My complaint on my equifax Credit report theirs is negative items that shows 3 months past due the account is a fraudulent account it supposed to be removed from my report I have filed a federal trade commission identity theft report on file
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Two deposits of cash- {$10000.00} and {$900.00} at Atena Bitcoin machine by me under fraudulent circumstances. 
Called Athena and left a message to call me Called Athena back on XX/XX/XXXX and spoke to XXXX XXXX and explained the scam and he said he would file a report and send me a copy of that report-not received as of XX/XX/XXXX. From my receipts, I gave him the tx information and he verified he could see txs and the money was gone. I also asked that he speak to the XXXX XXXX IN Sheriff 's dept, Detective XXXX XXXX to confirm what he was going to do.