23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The law 15 U.S.C. 1692c prohibits debt collectors from communicating with a consumer in connection with the collection of any debt without the consumer 's prior consent or express permission from a court. If a consumer notifies a debt collector in writing that they refuse to pay a debt or wish to cease further communication, the debt collector must comply.

They have not complied with my requests. Please enforce this law.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights.

I am disputing the following negative items, which I strongly believe may be linked to a data breach : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NV XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
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. 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. 

XXXX : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} TRANSUNION : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}
Product: Credit reporting or other personal consumer reports

There are several credit inquiries and accounts opened under my identity between the dates of XX/XX/XXXX - XX/XX/XXXX. In addition, my personal debit card was compromised and I disputed the purchase made on a both my debit card and a XXXX XXXX account that i never opened. 

Unauthorized hard inquiries : XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Disputed purchases : XXXX XXXX transaction at XXXX {$280.00} on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unauthorized credit card opened on XX/XX/XXXX XXXX / XXXX 's purchase {$160.00} - XX/XX/XXXX
Product: Credit card or prepaid card

I was given a gift card issued by U.S bank National Association for XXXX. Card was purchased from a XXXX XXXX XXXX in Arizona. When I tired to use the card it was declined, I went online to XXXX and tried to register my card in case that was the problem and was prompted to call customer service. I called XXXX and was told my card had been compromised and I would be issued a new card. I needed to fax in receipt, my license, phone number, best time to call and a letter stating I was the owner of the card. And that I would need to call 5 business days after I sent the fax and check on the status in order for them to reissue the card. I called a week or so later and struggled to get on the phone with anyone several times. When I was able to speak to a representative I was told that the information I sent in was invalid, that my purchase receipt was actually a purchase or receipt of transaction. The proof of purchase I sent in was a digital receipt. I asked why my prof of purchase was deemed invalid and was not given an information when I asked to speak to a supervisor I was hung up on, after being told a supervisor was not available. I called back and spoke to another representative that directed me to an online portal where I just needed to resubmit my license and card number. I was told that my receipt was actually valid and after resubmitting some information I would be reissued a card and call back in five more business days. I called back tand was told that the issue was being escalated to another department and I will receive a call in five business days. I have not received a call and have no been able to get a card reissued. The customer service has been incredibly unhelpful.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor Nelnet has violated my Rights, under Act 15 U.S.C. 1681 section 602 says I have the right to Privacy. 15. Act 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. Under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED A REQUEST FOR ALL OF THE CREDIT REPORTING AGENCIES TO UPDATE MY CREDIT REPORT INVOLVING THE LOANS THAT I HAD WITH XXXX AND AN AUTO LOAN THAT I HAD WITH XXXX. ALL OF THESE LOANS WERE CONSOLIDATED AND SHOULD HAVE BEEN CLOSED AND XXXX SHOULD HAVE BEEN CLOSED AS THE CREDITOR CLOSED THE ACCOUNT AND SENT ME THE TITLE. I FILED A COMPLAINT ON XXXX AND WAS ADVISED THAT ALL OF THE CREDIT REPORTING AGENCIES HAD BEEN ADVISED AND REQUESTED TO UPDATE THE INFO AS OF XXXX 2016. I REVIEWED MY CREDIT REPORT AND AM STILL SHOWING AT LEAST XXXX OF THESE ACCOUNTS STILL REPORTING AND OPEN. THIS IS MY FINAL REQUEST AS ALL OF THE ACCOUNTS WITH XXXX HAVE BEEN CONSOLIDATED THROUGH XXXX. THIS IS AFFECTING MY CREDIT SCORE AND I WAS ADVISED WHEN I CALLED THAT THIS HAD BEEN DONE. I AM BEYOND AGITATED WITH XXXX AS WELL AS XXXX. THERE ARE INQUIRIES THAT I HAVE NOT DONE AND THE ONLY THING THAT SHOULD BE ON ALL OF MY CREDIT REPORTS SHOULD BE XXXX AND XXXX CARD INQUIRIES. EVERYTHING THAT SHOULD HAVE BEEN DONE HAS NOT BEEN DONE AND IS STILL NOT DONE. I HAVE FILED A POLICE REPORT AND HAD BEEN A VICTIM OF IDENTITY THEFT. I RECEIVED A REPORT FROM XXXX AND IT IS STILL SHOWING THESE ACCOUNTS OPEN WITH BALANCES. THIS IS AFFECTING ME TREMENDOUSLY AND IS CAUSING ALOT OF ANGUISH IN MY LIFE. ALL OF THESE CREDIT REPORTING AGENCIES SHOULD UPDATE THE INQUIRIES, ACCOUNT INFO, ETC. I HAVE SUBMITTED THESE REQUESTS SEVERAL TIMES AND HAVE EVEN CONTACTED XXXX, ATTEMPTED TO CONTACTED XXXX AND EQUIDAX ( HAD THE ISSUE PARTIALLY RESOLVED )
Product: Credit reporting or other personal consumer reports

Ive disputed this old account for all 3 credit bureaus and only XXXX has removed it. Equifax removed it and then put it back, which made no sense.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below which appears on my credit report are not my transactions that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Account Name : XXXX Account Number : XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, the charge-off listed under [ XXXX ] is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : Section XXXX ( XXXX ) This section mandates that all information reported about me must be accurate and reflect the truth. Section XXXX ( XXXX ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute. I believe the charge-off is inaccurate for the following reason ( s ) : 1- Last Verified do not match 2- High Balance is incorrect 3- Closed Date do not match I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. Thank you for your attention to this matter.
Product: Credit card

On or about the XXXX of XXXX XXXX I made an application for a Nordstrom credit card online. Before submitting the application I called the company because I could not get the application to go through because it required an expiration date for my State ID. I do n't have an expiration date on my ID because in the State of Illinois when you are over XXXX years of age your ID no longer has an expiration date. 
After explaining this to a woman at Nordstrom credit. She advised me to submit the form and it went through. 
A few days later I got a letter from Nordstrom dated XXXX XXXX, XXXX stating that my application was turned down because of an account that I had with Nordstrom 's that was charged off. 
Since I had no recollection of such an account I called Nordstrom and was advised that according to their records I had an account that was charged off in XXXX. 
I then called the company that had purchased the charged off account and I was told that I had discharged a Nordstrom account in a bankruptcy that I filed in XXXX. 
I have been working to build my credit for the past 2 years and look at my credit reports at least once a week. 
None of the credit reporting agencies are showing the XXXX bankruptcy nor do they show any Nordstrom account that is past due or delinquent. 
The bankruptcy was discharged in XXXX. Since that time I have been working to repair my credit. 
After speaking with the company that bought the debt I tried a total of five times to call Nordstrom credit and could not get through. When I left my number for them to call me I received no return calls. 
I feel that I am owed an explanation as to how they came to the decision to deny me credit. This is the first time I have heard of a company that uses a 14 year old bankruptcy as a reason to deny credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX account # XXXX # XXXX has two different company reporting late payment one in the amount that is XXXX one in the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LoanHero has an account reporting negatively and the account is not me. I called them and was told they were unsure why that was reporting negatively because that company had been shut down.
Product: Debt collection

During XXXX and XXXX I was seeing Doctors at XXXX XXXX affiliated office in XXXX. I was told by my insurance " XXXX XXXX '' that I am covered with just a co-pay. 

At the doctor 's office, the receptionist sometimes would accept my copay and sometimes would not and say I'm okay. Later I received bills and I disputed. However I was still receiving bills. 

in XX/XX/XXXX I was diagnosed with severe XXXX  and XXXX. I still had insurance and was covered with short-term XXXX provided by NY Life insurance . It was an insurance at my work on top of United healthcare. 

In XX/XX/XXXX my XXXX became severe and my mother who is XXXX XXXX XXXX thought if she paid some of my bills I would feel better. My mother convinced my sister to pay some of my bills. At the time the only bills I had was from XXXX XXXX. So we wrote a check to XXXX XXXX for around {$750.00}!!!! And they cashed it and I have the proof. Event hough the charges were bogus. 

On XX/XX/XXXX, I received XXXX letters in the mail by DESIGNED RECEIVABLE SOLUTION. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

On same day, XX/XX/XXXX I sent back the collection notes with my own notes added that charges are bogus. My insurance had paid XXXX XXXX. Furthermore, I am on low income right now and can get approved by XXXX XXXX for their low income program. 

Today on XX/XX/XXXX, I received an email from XXXX. My credit scores has dropped XXXX points!!!!!! 

This is literally will ruin my life because I am about to start a driving school for teens and adults and with low credit scores I can not finance my business and livelihood. But most importantly the CHARGES ARE INVALID! 

And I received no correspondence from the collection agency. So XXXX XXXX can ruin people 's lives by admitting false charges and collection agency can ruin my credit just like that with false charges?! 

Please help me and I think Designed Receivable Solution should have their license to do business revoked. The charge is for over {$200.00} and my credit score was dropped over XXXX points. A score I that I worked all my life to keep at over XXXX. 

I have already disputed this with XXXX too but I can't afford to have this on my record. 

I really appreciate your help. You are doing a great great great work for working class people in this country and you save families. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023, i sent letters to the CRAs ( XXXX, XXXX, AND EXPERIAN ) disputing the inaccurate personal information that they are reporting on my credit report that can lead to identity theft.Asking them to update and correct it as soon as possible and i have attached copies of the letters below.
Product: Student loan

XXXX XXXX,2017 I 've decided to make things right showing proof to Nelnet student loan just took over my student loan by writing checks from XXXX - XXXX post dated showing what I could pay well unexpectedly events happen that left my checking account little that Nelnet started processing my checks I know that if they waited a couple of days my direct deposit would have solve the problem but no they kept processing more then XXXX leaving my checking account from a XXXX negative to almost a thousand negative I was devastated and left with nothing and have XXXX daughter 's to support I was miserable felt violated I called them as they say it 's up to the treasure not only did I called but sent emails a few times to stop processing my checks no response.The only thing in my name that was on good standing my child support direct deposit all of it to the mistakes I thought was doing right. I never recover from it. My whole life I had people take advantage of me and it never stops I 'm a single mom I 'm trying to get my life back at the same time care for my XXXX XXXX XXXX dad and look out for my older brother fortunately family has helped but it does n't fix what I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : Account # : Date Open : Balance : Company : XXXX XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$4100.00} Company : XXXX XXXX XXXXXXXX Account # :XXXX Date Open:XXXX Balance : {$1500.00} Company : XXXX Account # :XXXX Date Open:XXXX Balance : {$3700.00} Company : XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$16000.00} Company : XXXX XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$960.00} Company : XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX XXXX # : XXXX Date Open:XXXX Balance : {$5200.00}
Product: Debt collection

New Information... Discover is a debt collector engaging in commerce within the United States of America and must adhere to federal laws. Discover has failed to provide the necessary information I requested for me to validate my obligation to the alleged debt pursuant to 15 USC 1692g ( b ). Discover has assumed the role of a consumer or court because they have taken it upon themselves to state that the alleged debt in question is valid without my consent as the consumer or a judgement from a court. Discover has not sent me the name or address of the original creditor like I requested pursuant to 15 USC 1692g ( b ) but they keep sending company billing statements and card agreements stating these validate my obligation to the alleged debt. Discover is impeding my ability to exercise my right as a federally protected consumer.

Discover is now causing irreparable harm to my reputation by publicly reporting this account as delinquent without validation that I am even obligated to this alleged debt. Discover has also responded to my request to remove this account from all Credit Reporting Agencies by stating that they are required to report this account to the CRA, required by whom? pursuant to 15 USC 6801a it is Discover duty to protect the consumers nonpublic information, pursuant to USC 6802a Discover may not provide any consumers nonpublic information to any nonaffiliated third party. Furthermore I was never given the opportunity to opt out of the public sharing of my nonpublic information pursuant to 15 USC 6802b ( 1 ) ( B ) nor was I offered an explanation on my right to do so pursuant to 15 USC 6802b ( 1 ) ( C )
Product: Money transfer, virtual currency, or money service

TCF demands that you have an account with them now to cash a check drawn on their bank ( more specifically, a former Chemical Bank location using old Chemical Bank checks ). 

If it's a check drawn on the bank, you shouldn't have to have an account with them or have them keep your funds for 24 hours before releasing to you.
Product: Debt collection

The company Phoenix Financial Services attempted to contact me on two different occasions, the first time was around XX/XX/XXXX. The collection agent failed to read any mini Miranda or hippa law, and did not even know if he was speaking with the correct person. I began to ask more questions about the call and advised the collector I had filed bankruptcy on XXXX XXXX and that the debt had been included, once the collect was aware He stated He would send out a letter and I could acknowledge via mail. 

On XX/XX/XXXX I received an alert from XXXX that a collections account had been added to my credit report, I contacted the number provided ( XXXX ) XXXX again it was the same collector this time he did verify my information and read the mini Miranda and stated He just wanted to know if I was still refusing to pay. I then advised the individual of the prior conversation in which a collections letter would be sent and I have yet to receive one to my knowledge, and that I had filed bankruptcy and the debt had been included. The collector then stated was the bankruptcy discharged I agreed and advised of the information given prior to the 2nd call. The collector stated we can work this out somehow in payments if I could settle the account being the account was purchased. I advised the collector that I was told the debt could not be collected on once the bankruptcy was discharged, he then stated a few different payment options as I ended the call with a feeling that the company was not able to call or collect on the matter. 
Date opened XX/XX/XXXX First Reported XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection company : Phoenix Financial Services Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I received an e-mail stating that if I didn't make any payments, my card will be suspended 30 days from the date. On XX/XX/XXXX I submitted a payment, and it posted on the XXXX. On XX/XX/XXXX I submitted a payment for XXXX dollars. And it posted on the XXXX. On XX/XX/2020. I was notified that my card has been restricted. I called Capital One, and they said that my account was suspended after I made the first payment on XX/XX/XXXX. However, by then my car was on satisfactory statues. They also continue to applied late fees and interest charges. I spoke to two different people looking at the same screen and they both provided with two different answers. Per the e-mails that I have received from capital one my account closure was unjust.
Product: Credit reporting or other personal consumer reports

There are some errors I noticed on my credit report. I always pay these accounts on time.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

As outlined in FCRA Section 605B ( a ), credit reporting agencies must expeditiously remove any information labeled by the consumer as originating from an alleged case of erroneous activities, no later than four business days from the receipt of this notification. 
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 XXXXXX/XX/XXXX