23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In order to pay my rent to the XXXX XXXX XXXX XXXX XXXX, I have to pay it to PNC Bank. They " misplaced '' my rent one time and I almost got evicted until they " found '' it. So it's happened again and now I'm faced with a 3 day eviction even though I dropped off my rent into the safe deposit box and the cameras could probably verify this. I paid my rent, it was late but it was paid and this is becoming an all too familiar practice with this bank.I am a single mother of a XXXX XXXX XXXX and have no where else to go if evicted and is unjust since I did make my rent payment. This has got to stop.
Product: Debt collection

I requested a paper verification through the USPS because there are 3 debts on my credit report that I know nothing about. I never received the verification. I then contacted the company to request the verification verbally. 3 different reps stated that they would not send out another verification because company policy is that if the first verification sent out is returned to sender they will not send out another one. I advised her she could fax or email me the verification as well. She said they will not. I attemped to do a pay for delete so that way I can just get it off of my credit and they will not do that either. I need verification that they will not send to me. I advised I did not know about the debt and that I could not have signed anything since I don't live in NC. I haven't lived in NC since 2014. They will not send me out verification.
Product: Credit reporting or other personal consumer reports

I have been filing disputes on my credit reports because i am a victim of identity theft. I have submitted paperwork and an FTC report in accordance with the FCRA and the disputes are not being filed correctly and the FTC report is not being attached. Also I am not getting copies of the verification process and I have asked for them per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
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. I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX that is with XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. 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: Debt collection

Requested proof of debt from the Ohio attorney General, Law Offices of Robert A. Schuerger Co. , LPA. If this is not the attorney General, then this office has outright lied to me, saying that's who they are and represent. As well as, in the last 2+ years, they call me once a week and they've been charging me for a debt from XXXX XXXX XXXX XXXX Without Proof of debt. I had asked them to provide the proof of debt around XX/XX/21 or XX/XX/21, possibly earlier, and had never received it. I returned a call to the law office on XX/XX/21 and the person working said that they were still waiting on XXXX University to send them the Proof of Debt. I told them I would continue to pay on this once the proof of debt was received. They have my correct information, and always have. So the law offices of Robert A. Schuerger Co. , LPA have been trying to collect on a debt, they legally had no proof of. I am reaching out to a lawyer about this issue. I hope it can be resolved without legal help, but obviously they can't even provide a simple proof of debt.
Product: Credit card

I asked the CFPB to help me to get the interest rate on my Barclays issued Jet Blue card to be under 20 %, to under 10 % so that can pay it down more quickly. As it stands it is close to 30 % interest which is exceesive. 

When I made this request before, Barclays " responded '' by providingn informaiton in the form of statements but they did not take any action which was to reduce my interest rate charged to less than 10 %. I do not feel that this is unreasonable at all, and it will enable me to pay down my credit card debt in a reasonable time frame. As it stands minimum payments extend the debt out to 16 years, That is unfair and unreasonable.

I would appreciate your help and please not allow Barclays to get away with this. They should also foregive the additional payments in the interest by reducing the principal to equal the amount of interested over 10 % so that I can more easily pay down the principal on this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have have contacted the bureaus for them to correct this mistake.i have so many inquiries that was not authorized by me. Could you please correct this the customer service was so rude and they did not try to help me or get me a supervisor here is the list of inquiries that needs to be removed XXXX XXXX XXXX  XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXXS XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, Equifax Dispute Department, I am writing to formally request the removal of an inaccurate item from my Equifax credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, which mandates that credit reporting agencies maintain accurate and up-to-date information. I have recently reviewed my credit reports from XXXX and XXXX, and the item listed below has been deleted by both of these agencies as it was determined to be inaccurate or unverifiable. Account Name : XXXX XXXX XXXX Account number : XXXX Amount : {$3800.00} However, this same item remains on my Equifax credit report. This item was purchased by a Third Party Debt Collector. 
XXXX XXXX XXXX. This account must be deleted as the status is not correct, the amount is not correct and account was paid for less than owed by the Third Party Debt Collector. This information is NOT CORRECT & this account needs to be removed and deleted immediately. Equifax needs to follow suit and remove this account immediately. I will have supported documents attached.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian on XX/XX/XXXX advising that I received a letter from XXXX XXXXXXXX XXXX, dated XX/XX/XXXX, denying a credit application that was filed under my social security number. I never submitted this request so this means someone used my social security number. I was advised that it will take up to 72 hours to process and up to 30 days to complete the investigation. I received a determination 2 hours after I filed my dispute that the hard inquiry will remain on my credit report. This is outrageous. I also filed a report with the FTC.
Product: Payday loan, title loan, personal loan, or advance loan

I trusted USSA BANK to handle my personal information with care and integrity, but I feel that trust has been violated. Ussa Bank claims that an investigation into my disputed information was conducted, yet I was never provided any details about how this investigation was carried out, who was involved, or what methods were used to verify the accuracy of the information. This lack of transparency not only raises serious concerns about the legitimacy of their process but also leaves me questioning whether they adhered to the legal standards required by law. Furthermore, I was never asked for or provided explicit consent for my personal data to be shared with third parties like XXXX. Sharing my private information without my clear and informed consent is a violation of my rights, and its both troubling and unacceptable. I deserve an explanation, evidence of proper consent, and assurance that my personal information is being handled lawfully and responsibly
Product: Student loan

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This breach has caused significant distress and concern regarding the security of my personal and financial data. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting or other personal consumer reports

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Fair Debt Collection Report Act 15 U.S.C 1692c ( c )
Product: Credit reporting or other personal consumer reports

Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Nation Credit Adjust : 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 crime 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 or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

XXXX XXXX XX/XX/XXXX credit collection services ] XXXX XXXX XXXX XXXX, MA XXXX Formal Complaint Regarding Unlawful Debt Collection Practices and Identity Theft To Whom It XXXX Concern, I am writing to formally notify your agency of my concerns regarding your attempts to collect an alleged debt that XXXX be connected to identity theft. Your actions raise serious legal concerns under both federal and state laws, including the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and related consumer protection statutes. 
Notification of Identity Theft This alleged debt appears to be the result of fraudulent activity. I have filed an identity theft report to address this matter. Enclosed, you will find a copy of the report, which I submitted to XXXX, XXXX, XXXX and the CFPB XXXX of XXXX matter was resolved XXXX of XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m, I am exercising my right to dispute this debt and demand that you cease all collection activities immediately until a thorough investigation is completed. 
Alleged Violations by Your Agency Your agency has engaged in conduct that appears to violate applicable laws, including but not limited to : [ Violation Example XXXX ] : [ E.g., " Contacting me repeatedly despite being notified of a dispute regarding the alleged debt. '' ] [ Violation Example XXXX ] : [ E.g., " Failing to provide validation of the debt within XXXX days of initial contact, as required by FDCPA Section 809 ( a ). '' ] [ Violation Example XXXX ] : [ E.g., " Reporting the alleged debt to credit reporting agencies despite knowledge of a resolved dispute, contrary to FCRA Section 623 ( a ) ( XXXX ). '' ] I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure your actions are reviewed for compliance with applicable laws. If the matter is not resolved promptly, I will also consider filing complaints with my state Attorney Generals Office and pursuing legal action if necessary. 
XXXX Actions Requested To resolve this matter, I request that you : credit collection agency Cease all collection activities regarding the alleged debt. 
Investigate the validity of the debt, considering the enclosed identity theft report. 
Provide written confirmation that the debt has been removed from your records and any reporting agencies. 
Ensure compliance with FCRA and FDCPA in all future communications and actions. 
Preservation of Evidence Please retain all records, communications, and documentation related to this matter. These XXXX be required for regulatory investigations or legal proceedings. 
I expect a written response within [ reasonable time, e.g., 15 days ] of receipt of this letter. Failure to comply with these requests will leave me with no option but to pursue further legal and regulatory remedies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report number XXXX All supporting documentation, will be attached along FTC report numbers
Product: Credit reporting or other personal consumer reports

I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX XXXX : [ XXXX ] and XXXX  XXXX [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED 3 TIME TO GET THE UNAUTHORIZED INQUIRES REMOVED AN A FRAUDGELENT ACCOUNT
Product: Debt collection

I was contacted on XXXX/XXXX/XXXX in regards to a payday loan I supposedly taken out on XXXX/XXXX/XXXX. I requested the specifics of the payday loan as I agreed to taking out payday loans in the past but never defaulted on it. The person could not give me any specifics as to who the complainants/broker were however ; she did state the financial institution was XXXX XXXX. I am very skeptical that this is my debt as I 've have excellent history of paying my bills on time for the last 8 years no late payments on credit report at all. As a matter of fact I am certain this payday loan was paid in full. I am sure this is some sort scam or scare tactic and I am not sure what they will try to do to get money from me. I ca n't say the debt is mine or if I 'm a victim of identity theft. I am currently with the same bank and never received any sort of communication about debt being outstanding. I 've lived at the same address for 6 years prior to moving in XXXX XXXX. I have never received any sort communication about delinquency which raises concerns. Could someone provide information on the legitimacy of this debt collector? They only provided a number no company name is noted on answering machine XXXX. Lastly, I checked the debt was paid in full however it may not be mine at all considering they could not provide me any details on the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up process to ensure that the fraudulent items in my file are thoroughly deleted. 

Here are the items that needed deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$860.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A credit charge that I am not aware of is reported to the credit bureau. The account was opened on XX/XX/year> with the amount of {$6200.00}
Product: Vehicle loan or lease

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have a loan with CITIZENSONE. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card

A company calling themselves " American Express '' and also " American Express XXXX '' have been repeatedly running my credit report several times a year for years. I have not done any time of business with American Express in well over 12 years and did not authorize any of these inquiries. I also have a LIFETIME ban on promotional inquiries into my credit. There is no excuse for American Express repeatedly invading my privacy like this. As you can see on the attached Experian credit report, just this year they have run my credit report XXXX times under XXXX different names ; American Express and American Express XXXX, and also used XXXX different addresses. They have done this for several years now and I have sent them letter to stop as well as complained to the credit bureaus to not allow it. It has not worked, American Express continues to invade my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on my XXXX XXXX Account. My account is up to date Experiannis reporting as delinquent for 30 days. I've always paid this acct on the due date or prior. I reached out to Experian to have this corrected and they did not update my report. It is hurting my credit score substantially. I w reaches out to XXXX and XXXX and they discovered the error and have since updated my report. Please have this updated asap to current account.

Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Late Payment Entry To Whom It May Concern, I am writing to formally dispute an inaccurate late payment entry reported on my credit file. My personal details are as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is erroneous and violates my rights under the Fair Credit Reporting Act ( 15 USC 1666b ), which protects consumers from inaccurate reporting. 
I have thoroughly reviewed my records and can confirm that the payment in question was made on time. I demand a prompt investigation into this matter, as I am entitled to accurate reporting under federal law. It is unacceptable that such misinformation could adversely affect my creditworthiness. 
I expect your investigation to be completed within the next 4 business days. Failure to address this dispute promptly will leave me no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Please find attached copies of relevant documentation supporting my claim. I expect a written confirmation of your findings and a complete update of my credit report upon resolution of this matter. 
Thank you for your immediate attention to this serious issue. 
Sincerely, XXXX XXXX XXXX XXXX