23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 # XXXXXXXX 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 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and Bureaus Letters last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
rebelliousnessXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX 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 {$730.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXXr XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXn XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX IXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX 2022
Product: Money transfer, virtual currency, or money service

I have PayPal account A with Bank account in my name synced to it. I send $ X from my PayPal account Ato My PayPal account B. Then from B I send money to my mom and wife. Well these guys decided to freeze everyone for 180 days. Then after telling me what day I could access my money they reversed funds from my mom and wife back to. B and then from B to A. How can they touch other accounts? They called it fraudulent but it wasnt it was my bank. They messed up and dont want to admit it. If I only had X amount of $ it shouldnt of let me send anything over that. Please help me. Also I sent in all requested paperwork in a timely manner too
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked them to provide anything to me showing that I applied or signed anything with this company. They keep coming back to me stating that the account is correct. Please show me your proof!
Product: Credit reporting

In my credit report from XXXX XXXX requested by XXXX XXXX, an incorrect creditor showed up with a debt in the amount of {$22000.00}, by XXXX XXXX. This debt does not belong to me. I want an investigation and the same be eliminated from my report.
Product: Student loan

I have 2 major complaints : 1. FedLoan Servicing has been extremely unhelpful and unwilling to communicate with me about deadlines, re-certification processes, and times when they decide to charge me interest capitalization. 2. FedLoan Servicing is suspiciously and illegally handling my payments toward interest and not my principal balance. I started paying on my federal student loans on XX/XX/XXXX. I made every payment on time for the full year I was on the ICP plan/IBP plans. Then I was " informed '' within the websites portal in a hidden message center that I needed to re-certify my ICP/IBR plans. No e-mail, no phone call, nothing! By the time I saw my payment magically go up it was too late, I was now locked into a higher payment plan and got charged with a " interest capitalization '' fee. I also got a capitalized interest fee for missing this window and when I re-certified for another ICP/IBR plan. ( Interest on top of interest, on top of more interest! ) This completely wiped out any progress that I had made and it was now even harder to make payments. From XX/XX/XXXX to XX/XX/XXXX I made consistent, even increasing payments, on-time! Then I get nailed with another interest capitalization fee because I 'forgot ' after being responsible for 2 years to re-certify and never getting reminded by fedloans servicing! I got hit with two interest capitalization fees again and the 2nd fee was 5x higher than the first fee even though I made a large payment inbetween these fees to pay off all of the interest, it 's insanity! Now, I am back to making regular payments and getting no where. I have NEVER missed a payment and that is exactly how my credit history is, no missed payments EVER in over 10 years of credit and yet I am treated like this.
The 2nd complaint, which I briefly mentioned in the previous section, is that Fedloan Servicing is not handling my payments correctly. They are not paying off principal and are forcing me to pay interest as much as they can. For instance, from XX/XX/XXXX to XX/XX/XXXX I made consistent, on-time payments of {$240.00} except for one month where I paid {$230.00}. During that time, I only paid {$320.00} on principle and paid {$2300.00} in interest!!! The weird thing is that once I started paying on principle on XX/XX/XXXX, you would think that I would slowly start paying more on the principle, but no it would randomly fluctuate! I would pay more on principle, then less, then more, then less. That just does n't make sense, something weird and illegal is going on. Please help me, there is no way that I can pay this off anytime soon unless I start making another {$50000.00} a year or hit the lottery. Plus, I am a responsible person who has a good job and is making constant payments on time, and I still ca n't pay it off. There is something seriously wrong with this picture! Get this, after 3 years and 8 months of " paying '' on my student loan of {$40000.00} I have made zero progress on my loan. In fact, it has gone up in cost by a couple hundred dollars!!! > : o
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX {$1300.00} I have filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$3000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$3300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$1000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$1100.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$950.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX {$2900.00} I filed an ftc report and spoke with the creditors and they refused to remove it. XXXX XXXX XXXX XXXX {$1600.00} I filed and ftc report an spoke with the creditor and they refuse to remove it. XXXX/XXXX XXXX XXXX {$2300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$1100.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX XXXX XXXX $ I filed an ftc report an spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX  XXXX XXXX {$300.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX XXXX XXXX {$750.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$20000.00} I filed an ftc report an spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$0.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. U.S. Bankruptcy Court XXXX XXXX {$0.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX XXXX XXXX {$160.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX  XXXX XXXX XXXX {$440.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX/XXXX  XXXX XXXX {$160.00} I filed an ftc report and spoke with the creditor and they refuse to remove it.
Product: Credit reporting or other personal consumer reports

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to XXXX days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX asked Equifax on XXXX occasions to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I advised that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

Equifax did not complete an investigation, nor had communications of results or said investigations. 

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

I continue to request Experian remove inaccurate and erroneous information. Experian refuses to provide said information. 
I have provided the information required to show that all my accounts have been paid as agreed, and never 30 days late.
Product: Payday loan, title loan, personal loan, or advance loan

This issue relates to an application for a business line of credit with American Express, and not a personal line of credit. 

On the morning of XX/XX/2023, at approximately XXXX XXXX, I had a conversation with a supervisor at American Express. During our discussion, I was informed that my application had been denied due to a missing document. I was directed to submit this document via a specific link. However, upon trying to access said link, I found it to be unavailable. It was brought to my attention that the submission process through this link is limited to two attempts. At no point was I provided with proper prior notification about this limitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Dispute Issue I contacted Equifax about a collection posted to my credit report in XXXX 2017 and submitted a dispute over the phone with them, confirming that my date of birth, social security number, and name was correct in their system. 15 days later I called to check the status of the dispute and found out the collections agency, XXXX XXXX had the correct person. As this was fraud and not an account of mine I submitted a re investigation in XXXX  2017. It was still found to be an account of mine, which was not, as the birthday and social security numbers were not the same, so I submitted a third re-investigation. By this time I was fed up with Equifax and their lack of looking at the details in seeing that the information did not add up so I called XXXX XXXX myself and they said that the account was indeed not mine. The fact that Equifax still decided the account was in my name and deserved to be on my credit report shows the complete incompetence of the company. The investigation process used by Equifax is ridiculous as they must not investigate much into disputes as I was able to figure out more information than they were. This makes me wonder how many more have been subject to this company 's ignorance and why nothing has been done by the consumer financial protection bureau to fix these issues and Equifax 's lack of professionalism. It took me investigating and days of contacting the company and equifax to fix this issue that was all due to Equifax 's incorrect reporting. How does a CRA validate submitting a collection with different social security numbers and birth dates to someone 's account and how come the CFPB is not holding them accountable for this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone made a {$190.00} fraud charge on my XXXX XXXX XXXX XXXX XXXX credit card in XXXX. I reported the charge and they just kept sending me new cards without investigating. The balance continue to grow with late fees. I repeatedly called and Could not speak to the person who could fix the situation so I filed a complaint with the XXXX. In the meantime, it has been reported on my credit that I am currently {$99.00} past due and that I have a {$270.00} balance with the card co and I do not. I have contacted them again and again and disputed with all XXXX credit bureaus and they can not get the company to provide update information. I have it on my phone, it shows paid and credits/ adjustments where they issued credits for the past due fees and charges. It is obviously this credit card company that is the issue since none of the disputes have rectified the problem.
Product: Debt collection

I am writing to formally dispute a collection account that has been inaccurately reported on my consumer report. It has come to my attention that this collection account has been placed on my report without adherence to consumer protection laws and regulations. 

As per 12 CFR 1006.34 ( b ) ( 5 ), collection agencies are required to provide validation information upon request. However, despite multiple attempts to obtain this information, the collection agency has failed to comply. This failure to provide validation information calls into question the accuracy and legitimacy of the reported collection account. 

Furthermore, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of due process denies me the fundamental right to challenge the accuracy of the information being reported about me. 

In addition to these violations, it has also come to my attention that the collection agency may be engaging in deceptive practices, which is prohibited by 12 CFR 1006.34 ( d ). Such actions undermine the integrity of the credit reporting system and violate consumer rights. 

Upon reviewing the circumstances surrounding this collection account, I have reason to believe that the collection agency may have acquired this debt unlawfully. Therefore, I kindly request that the Consumer Financial Protection Bureau facilitate the retrieval of the purchase agreement between the collection agency and the original creditor. 

Obtaining a copy of the purchase agreement is crucial for evaluating the validity and legality of the collection agency 's claims. This documentation will shed light on the nature of their agreement with the original creditor and ensure transparency in this matter. 

Additionally, I request that the Consumer Financial Protection Bureau verify whether the collection agency is licensed and bonded. It is essential to ensure that the collection agency is operating within the bounds of the law and meets the necessary regulatory requirements, as stipulated by 15 USC 1681-S2 ( 7 ) ( A ). 

I urge the Consumer Financial Protection Bureau to promptly request the purchase agreement from the collection agency and provide me with a copy for my review. Furthermore, I request verification of the collection agency 's licensing and bonding status to ensure compliance with regulatory standards. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure consumer rights are upheld and that proper procedures are followed in resolving this dispute
Product: Student loan

I am a XXXX veteran. My status was official through the Department of Veterans Affairs in XX/XX/2011. I contacted XXXX and informed them of my XXXX status and I would no longer pursue a college degree. I submitted all required documentation of my status. Somehow the process of discharging my student loan debt, slipped through the cracks and my account showed delinquent. My loans are currently discharged due to my XXXX status, but it should have never been reported as delinquent. ECMC discharged all student loan debt under XXXX application that I filed. The letter for approval states I was eligible as of XX/XX/2011. 
My family and I are suffering greatly by the reporting practices of all XXXX major credit reporting bureaus. Please correct this wrong. 

Thank you, XXXX
Product: Checking or savings account

Tried to reach VENMO for months now, today XX/XX/XXXX chatted online as they refuse to call you for help. If you dont have a computer or latest tech they refuse to provide assistance as they need service for any individual and issues are not always noted on their chat as with my situation. They are constantly running scams to keep customers funds by telling them to go online when u have no options to transfer funds or get access to funds. They have been holding XXXX of my money for over 3 months and refuse to assist but send useless auto messages pertaining to something different. I want access to my money immediately, when I try to transfer the option doesnt come up, or I will get a message wrong code as its not. They refuse to assist. The ph no they give u is useless and nothing but a reject recording to take u right back to chat or email. COMPLETE SCAM
Product: Credit reporting or other personal consumer reports

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 respect to the consumer 's right to privacy ''. Experian and XXXX keep violating Privacy Act of XX/XX/1974 by sharing my information. Experian and XXXX was also notified about the fraudulent use of my name in various ways. Addresses that I have never lived, and other fraudulent use of my profile in which they furnished without my consent and verified without my consent. Experian and XXXX have fraudulently assumed the role in my trust and personal identity against my will and acknowledgement and still continues to furnish such derogatory information against my written, oral, and otherwise requests to delete such information which has been a hindrance on my life. Due to the inaccurate information on my credit report, Experian and XXXX allowed XXXX XXXX XXXX XXXX to add a negative adverse item to my collection, which was also reported to identity theft since I have never had any accounts with them. 
XXXX is in violation of the Family Educational Rights and Privacy Act by sharing my personal non public personal information with third party parties which are Experian and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions by definition under 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. The following financial institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the consumer reporting agencies Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been sharing my nonpublic personal information to a nonaffiliated third party and my credit report has been affected, 15 USC 1681 ( b ) ( c ). 15 USC 1681 ( A ) ( 2 ) Exclusions ( A ) ( i ) states report containing information solely as to transactions or experiences between the consumer and the person making the report which would be between the financial institutions and me the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the company to correct or remove the account. 

I had the Credit Bureaus contact the company to remove the balance or remove the account in full. 
I know according to the FCRA I have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, section 602 ( a ), consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumers ' privacy. Equifax, XXXX, and XXXX are consumer reporting agencies bound by these principles. As a consumer, I am entitled to ensure my private information is safeguarded, supported by 15 U.S.C. 6801, which obligates financial institutions to protect customers ' nonpublic personal information.

15 U.S.C. 1681, section 604 ( a ) ( 2 ), states that consumer reporting agencies can only furnish a consumer report with the consumer 's written instructions. Neither Equifax, XXXX, XXXX, nor any financial institution providing information to these credit agencies has my explicit written consent to share my information. Therefore, any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

15 U.S.C. 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to third parties without giving consumers the option to opt out. I was not informed of my right to opt out by any information furnishers. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information older than seven years in a consumer report, except for criminal convictions. The adverse item reported on my account without my consent violates this regulation.

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) prohibits furnishing information to a consumer reporting agency if it is known or believed to be inaccurate. Furthermore, 15 U.S.C. 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to permissible purposes. 

Equifax, XXXX, and XXXX are not adhering to these procedures. Under 12 C.F.R. 1016.7, I am exercising my right to opt out of their reporting services.