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 1. XXXX  XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX ... ACCT # XXXX XXXXUS DEPARTMENT OF ED ... ACCT # XXXX XXXX. XXXX XXXX ... ACCT # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ... ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... ACCT # XXXX Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : 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.

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. 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Product: Bank account or service

XXXX XXXX XXXX XXXX - Failure to disclose my investment account ( s ) from XX/XX/XXXX '' I '' XXXX XXXX XXXX have Assets, Investments, Securities and other personal and real property and co mingled Personal Fortunes. This includes Cash, Jewelry and other Assets which are stored in XXXX XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX. XXXX Bank ( formerly XXXX XXXX Bank of XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX to XXXX Safety Deposit Boxes. The City of XXXX, various Federal and State of XXXX and XXXX. These Entities should have Vested interest when these Boxes are opened as they are included in shares of the wealth of my Personal Fortunes as described with other additional instructions and information left in the Boxes. My sister XXXX XXXX XXXX, now of XXXX, XXXX was granted access under certain Terms and Conditions and has shares of the Assets if she performs per the signed Agreement. This was Signed in XX/XX/XXXX and the Agreement authorized by all Parties. This and other Agreement meetings were held from XXXX through XXXX of XX/XX/XXXX at XXXX XXXX Bank in XXXX, XXXX. As best as described, a " Letter of Performance of all Parties '' was left with XXXX XXXX Bank XXXX XXXX, all Parties, Myself-XXXX XXXX XXXX and XXXX XXXX XXXX have to be present when " I '' XXXX XXXX XXXX or XXXX XXXX XXXX or other Parties initiate the opening of the Boxes.
Product: Checking or savings account

I I contacted Cash App today to alert them of XXXX charges that were on my credit card for hotels that include the stay as well as the deposit at that point I sat on hold for an hour and XXXX minutes and the person came back to the phone and disconnected the line I called back after providing the documentation and sitting on hold for an hour and XXXX minutes. The gentleman was able to look at the XXXX transactions fix XXXX of them and immediately released the hold, they were XXXX charges to the same company. The first XXXX were able to have the holds released. I called back and they told me that I am able to get the other XXXX fix it and that I would have to go and wait 30 days for the money to fall off of my account I did contact the vendor which is the hotel which it was the same hotel with XXXX different charges, and they have already released the money and said that it is on cash app so now they wont release the money and I am stuck without my XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint once again to request to the Credit Reporting Agencies to reinvestigate the disputed accounts completely from my Credit File. Under the Fair Credit Reporting Act, the Credit Bureaus are required to correct and or remove the disputed accounts that are reporting erroneous information on a consumer 's credit file. I have been submitting multiple dispute letters to the XXXX Credit Bureaus and the last dispute letters I sent was XX/XX/2022, to correct these suspicious information. I think that the Credit Bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them in the event the Credit Bureaus do not comply with the Federal regulation. These accounts were already included in my prior COMPLAINTS, and I'm including it again : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}.
Product: Money transfer, virtual currency, or money service

I was involved in a rental scam. I contacted a person off of XXXX who was advertising an apartment for rent ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX ). They requested first month 's rent and a security deposit totalling {$2600.00} in order to secure the apartment which I transferred them the money with Zelle pay XX/XX/XXXX and XX/XX/XXXX. However, a few days later, they changed the terms and said in order for me to get the lease I would have to pay up front for the first 3 months. After some back and forth it was clear they were not intending to rent me the unit, and I demanded my full deposit back. They have not given me any of the deposit back. 

I contacted Zelle on XX/XX/XXXX to dispute the fraudulent charges and they would not reverse the transaction. I contacted XXXXXXXX XXXX on XX/XX/XXXX and they too said they were unable to reverse changes.
Product: Credit card or prepaid card

I signed up for synchrony credit card when purchasing furniture. They mentioned that I need to set up minimum payment and pay off the amount in 18 months. Now they have charged me, XXXX in interest charges. I called them to waive it off and they did not do it. They are running big scam, stealing money from the customer.
Product: Debt collection

I received an email today from Resurgent Capital Services. It stated I was past due on an account from XXXX XXXX. They stated they were. Set contract LVNV Funding LLC to collect on this debt. I've never had an account with XXXX XXXX. I called XXXX XXXX and spent 30 minutes on the phone with them to confirm they have no record of me having an account either. 
So I gave up and called Resurgent despite not wanting to. But the email contained my name and looked genuine. Once on the phone, they told me there is a cease and desist on the account. So I asked why they are contacting me if there is a cease and desist and the lady said I had to give permission to remove it or she couldn't give me any more info. So I said go ahead. At which point she tells me there are two accounts and they are both over XXXX XXXX XXXX. So I hung up since they are zombie accounts and this debt collector should not have been trying to contact me in the first place. 
I believe this debt collector was trying to get me to deactivate an account that they know they can not collect on due to its age. I believe they intentionally sent me wrong information in their email to try and get around the cease and desist. I believe they are using this tactic with lots of customers, too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, TransUnion and XXXX on XX/XX/2020 via the United States Postal Service certified mail. Unfortunately, as of today, I have not received any responses about the items I disputed. I'm pretty sure that I was supposed to receive a response in 30 days but the only update I have received is a copy of a credit report.
Product: Credit card or prepaid card

I had a citibank Credit Card ending in " XXXX '' In XXXX way back in XXXX which I hardly used, I migrated to United States in XXXX and there are lot of fraudulent transactions on that card which are not authorized by me. I just went to XXXX after 8 years and came to know that Citibank has made a huge bill on my credit Card and have ruined by credit ( Credit is known as XXXX in XXXX XXXX. I also filed a police complain over there regarding this and submitted it to the Citibank in XXXX but Citibank does n't want to take any action, they are not helping me out and this greedy company just want to take out money from me. 

I even spoke with the Supervisor of Citbank customer care " XXXX XXXX '' back in XXXX, but he is just giving excuses and doesnt want to help. 

I want Citibank to waive all the balance and also clear negative report on my Credit ( XXXX )
Product: Consumer Loan

I have a auto loan listed on my credit file with XXXX, XXXX, and XXXX that is listing inaccurate payment history,
Product: Credit card

This is the 3rd time I have submitted a complaint regarding Capitol One credit card. Please refer to case # XXXX, my first complaint. Again, I have been called at work 3 more times since my original complaint was submitted about them harassing me at work. To make matters worse, they revealed to the receptionist that it was a collections call regarding my name. This is mortifying!!!! PLEASE, do something to make the stop calling me at work. Today 's " recorded '' phone call was from XXXX, PA XXXX. I requested this detailed information from the representative because on my original complaint, Capitol One LIED and said they were not calling me at work. Please request a copy of that recorded call and as proof. Please fine Capitol One for blatantly disregarding the law. Please help me!!
Product: Mortgage

We refinanced our house with another bank. US Bank has refused to return our escrow unless we pay them {$15.00} to cancel a check they say was mailed out to us a post office box we have not used in about 9 months. I have repeatedly called and even spoke with a supervisor who agreed we should not have to pay the {$15.00} because she verified I called prior to the issue of our escrow and verified the check would be mailed out to our home address. As of yet we have not received our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609.  This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX
Product: Payday loan, title loan, or personal loan

I borrowed {$2500.00} in XX/XX/XXXX. 8 payments of {$290.00} and 1 {$170.00}. If I were to pay this off today I would owe {$3100.00} after making all these payments. {$4.00} of each payment goes to the principle of this loan. I have asked for a hardship payoff due to a series of medical issues since XX/XX/XXXX. 1st an accident at work and then XXXX XXXX XXXX XXXX on my XXXX. I missed almost 3 months of work. I believe that this interest rate and loan process is so wrong. I also know that I was the XXXX that signed the paper. I want people to know not to do this. The XXXX XXXX  counselors almost talk you into getting the loan saying things like " I know you can pay it off sooner '' .. They basically schmooze you into thinking you can afford this.. After final payment the total I will have paid is {$14000.00}. There should be laws protecting vulnerable and gullible people like myself.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent letters to Experian informing them of fraudulent information on my credit report ( please see the attachments ). The letters included my driver 's license, Social Security card, utility bill, FTC Report, Identity Theft Affidavit, and more. 

Following the submission of these letters, Experian took more than 30 days to provide me with an update on my dispute, thus violating the FCRA Section 611 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to respond within 30 days. Therefore, I submitted a complaint with the Consumer Financial Protection Bureau. 

Following my complaint, Experian responded and sent me letters in the mail stating that the fraudulent information was being removed from my credit report. However, as I was checking my credit report on XX/XX/year>, I saw that Experian had reinserted one of the fraudulent accounts into my credit report ( XXXX XXXX XXXX XXXX XXXX ). 

I am filing this complaint because Experian is reporting fraudulent information and because Experian has again violated the FCRA by failing to comply with Section 611 ( a ) ( 5 ) ( B ), which mandates notification to the consumer and certification of accuracy before reinserting previously deleted information.
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 XXXX XXXX XXXX. 


I told XXXX, XXXX, and Equifax to reinvestigate these inquiry accounts : 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 XXXXXXXX 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

15 usc 1681 a. Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.
Product: Mortgage

XX/XX/2023 installment payment was reported to the 3 consumer reporting agencies as 30-day delinquent when payment was made in accordance to the guidelines of the lender. Information has been provided in the attached document.
Product: Prepaid card

On XX/XX/XXXX The company rush card claimed that my debit card had been compromised although the card was and has been in my possession. I made XXXX transactions on XX/XX/XXXX XXXX to XXXX XXXX to pay my cellular phone bill and another at XXXX for breakfast. Around lunch time me and a few coworkers went out to a restaurant where I was embarrassed due to my card declining from Rush card placing a " HOLD '' on my card. I was on the phone with the company 's customer service representatives all day since that moment and I was placed on hold for XXXX minutes in between constantly calling back to back for answers speaking to a total of XXXX agents ( XXXX supervisors ) getting NO HELP AT ALL to resolve my dreadful issue only to be told they 'd have to mail me out another card which will take a few business days and I can not access my money whatsoever. This is Absolutely redundant and I am extremely inconvenienced. I am NOT happy with Rush Card and I have been a customer since XX/XX/XXXX.
Product: Student loan

Call Navient as I have paid without missing a payment for more than 10 years. I work with XXXX eligible and ask for loan forgiveness. The request was denied as they indicated that their loans are not forgivable. when I applied years ago, I was told with good none missed payment the loan can be forgiven. The only option offered is to get a % of for auto repayment. Incorrect information given when loan was received via Sallie Mae.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out to all three credit bureaus about my disputes and inquiries that I didn't have any knowledge of I also sent them my FTC report because my identity was stolen, they still have all these accounts and inquiries on my credit report this is affecting my life I'm not able to do anything my life is ruined can someone please help me these accounts are XXXX XXXX but it's a closed account XXXXXXXX XXXX it's also a closed account and XXXXXXXX XXXX  and it also is a closed account all of the inquiries have been removed from XXXX but not Equifax and XXXX I've sent them letters and pictures of my identity and social and they failed to send me proof of signature showing I in fact authorized these accounts and inquiries.
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, Transunion, 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 informatyytion, 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: Debt collection

There is a company called Reliant Capital Solutions attempting to collect a debt that I do not owe. They say the debt is from the XXXX XXXX XXXX XXXX stating I owe some sort of tuition or academic fees. Somehow they have my name and address stating I attended that school in XXXX though I have never attended any university nor have I ever been to the state of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax are ignoring my requests to investigate, verify and remove addresses from my credit reports/files that do not belong to me.