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

Equifax Several years ago I was a victim of I.D theft resulting in a number of student loans appearing on my credit report. My repeated request over the last several years to have this matter rectified has been to no avail. Equifax has taken the hard knock positions that this matter has been investigated and that no further investigation is warranted. I have requested that this issue be looked into under Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. ( This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is mines ) has been non responsive.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate and a constant reporting of collection every month is inaccurate and illegal? This is grounds for removal.

They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) 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.

If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking for information about rates for refinancing my new car to a lower rate, on XXXX XXXX. There is no written explanation of who they are giving information to to allow them to start hard inquiries on their own. I received two unsolicited hard inquiries from different companies, which has hurt my credit. One was a used car dealership, Wells Fargo. I was NOT looking for a loan for a car. I was looking to refinance. XXXX XXXX told me to call Wells Fargo Dealership services to have this removed. Wells Fargo told me to call XXXX XXXX  to have it removed. No help from either. I feel that this is unfair and unsolicited. What is the law, in that I could have, say, 20 hard inquiries to look for a refinance? Where does this end? I had to lock my credit report so that there would be no more hard inquiries. All I am asking is that they excuse a hard inquirry from my report. They will not help and were rude about it, and taking no responsibility for this at all.

XXXX XXXX will send your information to many different companies ( reputable or not ) and you will see multiple hard inquiries when you didn't even ask for a loan. Just was seeing what is out there in regards to refinancing.
Product: Student loan

I pulled my credit report in XXXX 2015 and saw creditor, " Navient '', reporting a very high student loan balance resulting to over XXXX XXXX. I immediately filed a dispute with all XXXX credit bureau agencies and wrote letters to Navient directly via XXXX Certified Return Receipt mail on XXXX/XXXX/15 & XXXX/XXXX/15 ( they have also changed their corresponding address after I sent the dispute to all XXXX credit bureaus and letters were sent to XXXX addresses ). I requested for validation made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). A Navient Representative and I spoke on XXXX occasions in XXXX 2015 and on XXXX occasions I asked specifically to send written documentation to be sent to my attention and to please cease all calls ; as a result they violated Fair Debt Collection Practices by contacting me the XXXX time. Needlesstosay, all ways of correspondence has resulted in Navient 's refusal and failure to comply. In addition, on XXXX/XXXX/2015, they sent a refund check indicating the following, " ... .During a recent review, it was identified that our practice of charging a minimum late fee, as well as our student loan billing statement disclosures relating to when late fees would be charged, may have caused confusion for our customers. To correct this issue we have enclosed a refund check in the amount of {$40.00} ''. At this point Navient is purposefully violating the Fair Debt Credit Reporting Act, Fair Debt Collection Practices, and defaming my character. I am suffering as they are leaving an erroneous negative mark on all XXXX credit reports.
Product: Money transfer, virtual currency, or money service

I am filing complaint against Block , Inc ( Cash App ) due to inadequate Customer service and unfair practice which violate the consumer financial protection act ( FCA ). Specifically Cash App failed to take timely and effective measure to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, and they did not comply with error resolution requirement under the EFTA and regulation E. These actions have caused significant inconveniences and financial losses. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX  ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX  XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Fradulent credit inquiry on my credit report. I have called several times and told that this fradulent inquiry would be removed. It has not been removed from my credit reports. I did not authorize this inquiry and need it removed immediately
Product: Checking or savings account

Chime is in violation of reg e. On several occasions Ive requested documentation/ an explanation as to why my case was denied. Chime continues to give the same answer stating that they dont have any documentation/explanation for the denial of my claim. This supports the hypothesis that chime has not investigated anything as they cant provide anything showing an investigation was conducted. Chime continues to deny every rebuttal Ive filed. I also have reason to believe chime tried to sabotage my claim by incorrectly filling out my dispute intake form to ensure a denial of my claim. Chime continues to deny my claim however, only sends back a list of the transactions, a copy of the intake form, and a copy of the police report. None of which supports their claim of no error having occurred due to the fact that all of those are the documents Chime requested I send in, with no documents of their own that supports the denial of my claim. To my complaint I have attached the police report, the incorrectly filled dispute intake form, as well as the documents chime sent to me which are indeed my documents sent to them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/year> and a balance of {$4700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/year> and a balance of {$840.00}. 
This account is incorrectly reporting negative payment history on my credit report. Because I am only an authorized user on this account, I am not responsible for the balance incurred by the primary cardholder nor am I responsible for any missed payments on this account. 
XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/year> and a balance of {$1400.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Installment with account # XXXX opened on XX/XX/year> and a balance of {$21000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXXXXXX XXXX XXXXXXXX with account # XXXX and a balance of {$6500.00}. The original creditor is XXXX XXXX GA. 

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

UCC : * XXXX. EFFECT OF ERRORS OR OMISSIONS. 
* XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL * XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
* XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act these companies have violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Credit reporting or other personal consumer reports

Subject : **Formal Complaint Regarding Inaccurate Credit Reporting and Data Breach** To Whom It May Concern, I am writing to formally file a complaint regarding the ongoing failure of Experian, TransUnion, and Equifax to correct significant inaccuracies on my credit reports. Their negligence appears to be a blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under 602, 606, and 611, which require that credit reporting agencies maintain accurate information and correct errors in a timely manner.

Despite my repeated attempts to dispute the following account, these agencies have failed to take appropriate actions : **Account : XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX ) ** - This account is inaccurately reported as " Charged Off. '' I possess documentation proving that I have made timely payments. The FCRA mandates that you report accurate information ; this blatant misrepresentation must be rectified immediately.

**Payment Status Issues : ** - The reports claim I was 30 days past due and was past due 90 days. These statements are false and misleading. Under FCRA 607, all information reported must be accurate ; the failure to do so is unacceptable.

**Inconsistent Balances : ** - The reported balances for this account differ across bureaus ( TransUnion : {$37000.00} ; Equifax : {$9900.00} ). This inconsistency violates the FCRAs requirement for accuracy and completeness in reporting.

Moreover, I am aware of the data breach that recently affected these credit reporting agencies, compromising the personal information of countless consumers, including myself. This breach raises serious concerns about the integrity and security of the information being reported. Under U.S. Code 1030, organizations must take appropriate measures to protect consumer data, and the failure to do so only adds to my concerns regarding the accuracy of my credit report. 

Given these violations, I demand immediate action from the CFPB to investigate these matters thoroughly. Should these inaccuracies not be rectified promptly, I will pursue all available legal remedies, including seeking damages for harm caused by these reporting errors. 

Please acknowledge receipt of this complaint and inform me of any actions taken to address these serious issues. Thank you for your immediate attention to this matter.
Product: Debt collection

I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts are incorrect, and it's causing me discomfort.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Student loan

I have contacted fedloan and notified them several times since XXXX that the public service loan forgiveness ( pslf ) date was incorrect and the number of payments credited were incorrect. Representatives continued to insist that my student loans were not in repayment status and were in school status and that was incorrect. I graduated early XX/XX/XXXX and my student loan status was changed in XX/XX/XXXX. I have received documentation from XXXX showing that my school status was updated on XX/XX/XXXX to reflect that I had graduated as of XX/XX/XXXX. Fedloan   representatives lied to me numerous times stating my loans were not updated with the Department of education or XXXX to reflect me graduating. When in actuality the loans were updated and they had failed to properly process the request and obtain information from XXXX. I began working in XX/XX/XXXX. I immediately contact the Department of Education and notified them so that my student loan forgiveness would begin. However, the representatives refused to allow my account to enter repayment so that those months would count towards my forgiveness. I was eligible and met all requirements for qualifying payments from XXXX XXXX XX/XX/XXXX. I now have six extra months of payments because of this companys willful failure to process my pslf, deceptive and unfair practices. I contacted FedLoan again at the beginning on XXXX and informed them that my pslf was incorrect and the representative responded this is normal not to have it start on time and went on to blame the school and XXXX. This practice should not be normal, especially since the school and XXXX appropriately updated my loans and they were in the correct status to receive student loan forgiveness credit those months. 

I spoke with XXXX ( XXXX ) at Fedloan servicing on a recorded call at approximately XXXX XXXX. today and he conducted an audit of the account. He specifically said on our call that Fedloan failed to timely process my consolidation request and that you all made errors on my loan verification and missed a loan which delayed the processing on my student loan consolidation. He went on to state that your consolidation department confirmed the errors were made and that you all had issues with processing at the time. Since you all messed up the consolidation it has a domino effect on everything else because it could not be processed. This error was not on my part and without the mistakes of the employees at this company my request will have been timely processed and student loan forgiveness would have begun in XXXX. You need to review the student loan database and more specifically my calls in XX/XX/XXXX and the audit that was conducted today and complaint forwarded to your internal complaint department. If you all will not correct the payments I will contact my congressperson and obtain representation to litigate this error. This has caused additional months to be added on pslf and these payments will be at a higher amount then when I started this program. I will not bear the cost of your carelessness. If you all can not correct your wrong, I expect monetary compensation for the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I reached out to XXXX  through CFPB website to file a complaint with this company, before that I filed a police report and identity theft report which by law served as part of the notice and procedure I have to follow to get a block of this information. I uploaded these things to the CDPB website to forward to the company. I was closed with little explanation and no further steps taken to remedy The consumer after i put the company on notice about me not consenting to the pulling of my credit report and evidence that gat give authorization to this company to continue to report this because it is accurate. I have mailed a certified mailing letter to this company to cease and desist and it arrived XX/XX/2022. I am waiting for a deletion and a response. This company is stopping me from obtains household and personal items due to this fraudulent account on my report.