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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX* Balance : {$210.00}
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred despite having sufficient funds when transactions have been authorized. I was charged fees due to credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

I went to XXXX College in XXXX - XXXX. I was XXXX in a elevator accident in XXXX XXXX. Years later I got some of my senses back and tried to straighten out everything on my credit. Mohela was on it, I got calls every day, they told me to call another number that sent me paper work to forgive it for XXXX. I thought it was for loan and interest. I filled out the paperwork and sent it in and was denied because it did n't have a review date. I have XXXX and others. The XXXX and messed it up a little. I have been on XXXX since XXXX XXXX, XXXX since XXXX XXXX. XXXX was the business I was dealing with. I wanted to find out why the student loan was still on my credit for 9 years, Mohela answered because I was having late fees added each month. The school was closed for stealing student money. XXXX school would payoff my loan which most of it was not my pay off. Mohela told me to go through school closing, I was denied. I recently found out XXXX College closed and that is why my loan was not closed. 
I wanted to see where the figures came from that added up to the over XXXX student loan. I was given a copy of a master signed by me and a copy of all different charges that made no sense. I still ca n't tell where they came from. Right now my total is about XXXX. 
My figure is XXXX courses @ {$500.00} x XXXX = {$4500.00}. XXXX grant {$2000.00} deduct = {$2500.00} which should be my loan at most. 
I have a small XXXX check which is not even enough to get through each month. I do n't know where to go. I am stable with XXXX medications each day but still have bad days. Anything you can help me with I would appreciate. 

Thank you, XXXX XXXX
Product: Student loan

I signed on for a private student loan with Citi Bank with my parent as a cosigner. My parents declared bankruptcy but did not include the loan in the bankruptcy as part of what would be paid. I am now unable to make payments on the loan or even receive any other information on the loan aside from the balance and from my understanding it will go into default after the bankruptcy ends. 

The only information I 've been able to gather from the loan is the balance, that it exists and that it is in " bankruptcy deferred default ''. The interest rate ( or historic interest rate ), or any other information other than the balance has been refused upon calling customer service. I was told I could make payments on the loan, but no proof of payment would be provided. 

I would like to find a way to avoid this default, as I have no history of missing payments on any loans and I have every intention of paying the loan back. Either to start paying immediately to keep the loan out of default, for my cosigner to be removed from the loan, or the loan to be put in a status where I can get a consolidation loan from another lender. 

I realize that bankruptcy laws prevent most of this information from being disclosed, but I would like to get this loan into good standing and continue paying.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not able to get my annual credit report from XXXX or from EquiFax when I followed the procedure outlined on XXXX. I did succeed with XXXX. The other two either flat out said they were not able to provide a credit report, or insisted I mail in the request.
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was fraudulently opened using my name with TD BANK XXXX and Ive filed a dispute with XXXX  and was not resolved. I do have a police report from the incident. Please investigate and remove negative item from my credit report. Thanks so much
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last resort before I turn to a legal counsel. I sent a letter to this credit repository last XXXX XXXX, 2017 to dispute how incorrect and inaccurate pieces of information on several accounts in my credit report. The payment history is inaccurate/incomplete, and I informed this company about the errors violating FCRA. Furthermore, I disputed these items with XXXX  same time I disputed these items with this credit repository. XXXX removed these entries from my credit report. What possible documents did this credit repository used in their investigation that XXXX was n't able to get or that these creditors did not provide to XXXX? Do n't you think this is a violation of FCRA? Up to this day, this company still is reporting the same incorrect, inaccurate and incomplete credit entries.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inaccurate accounts on my credit report. 

XXXX : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Date of inquiry : XX/XX/year> Experian : XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATIONXXXX Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATIONXXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it againXXXX 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 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 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 or other personal consumer reports

XXXX tells me not to get into details. Please be sure to read each attachment below. The attachments are very detailed showing that the current items that are reporting on my credit doesn't belong to me. The following items belong to someone else.
Product: Debt collection

XXXX a ftc identity report was filled with a dispute with Experian and XXXX credit agency . Within 30 days XXXX deled this account so there was no need to have ducmentation on how XXXX XXXX use to determine that this account was verified? Im requesting that they please mail or email the corresponding facts .I need to see the were all of the rules were followed like blocking etc.
Product: Debt collection

I SENT A LETTER TO MERCHANT ADJUSTMENT SERVICES, INC ON XX/XX/2020 ABOUT AN ALLEGED DEBT OF XXXX $ THAT I DO NOT OWE, I ALSO REQUESTED INFORMATION ABOUT THE VALIDITY OF THE ALLEGED DEBT THAT I HAVE NOT RECIEVED.I HAVE ATTACHED A COPY BELOW OF THE LETTER
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with RECEIVABLES PERFORMANC, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, RECEIVABLES PERFORMANC, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

The information on my credit report is inaccurate. I've provided my documents for you to update it
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App!! ( Block, inc. ) due to inadequate customer service and unfair practices, which violate 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding cashapp handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cashapp numerous times and reporting discrepancies, my financial institution and Cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XXXX XXXX sold the account to Midland credit Management for XXXX and now MCM has tried to force me to pay for the entire amount after the fact. MCM has threatened to sue me and called me over and over again until I changed my number and challenged the debt. They said they provided XXXX goods and services and have no contract for the debt to them by me and refused to give me a copy of the amount of actual cost for the account as they are trying to unjustly enrich themselves for a debt they bought for XXXX dollars. 

The debt that was bought was not actual debt I owe them and on XXXX they verified that the debt was not from or by them and they just bought it from capital XXXX and will sue me for collection of it
Product: Credit reporting or other personal consumer reports

Identity theft, and not reporting to companies to take things oof my report.
Product: Bank account or service

On XXXX XXXX, XXXX, I closed an account at XXXX XXXX and took the cashiers check to my Bank, Branch Banking and Trust, XXXX XXXX, XXXX Va, to open a savings account to be linked to my checking account. I have had a checking account with BB & T since XX/XX/XXXX and have always handled the account in a satisfactory manner. I had a balance of {$8000.00} in the checking account, collected funds. While at BB & T they treated me like a criminal, but that is not why I am complaining. I opened the saving account for {$20000.00}. Approximately {$19000.00} with the cashiers check and the other transferred from my checking account. I am complaing because they pulled a credit report on me without my authorization. It showed up on Equifax as a hard pull. BB & T never disclosed to me that they would be running a credit report. Now the inquiry shows up on my credit report indicating I was trying to get credit. I never asked they for any credit and told them that I had no interest in receiving overdraft banking or a credit card. They put the cashiers check on a 7 day hold, which was fine with me. This should have given the proper assurance that the transaction would be valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these Items several times with Experianand they did not comply with 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : XXXX has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
Product: Credit card or prepaid card

New Address : XXXX XXXX XXXX XXXX XXXX  XXXX recovering from Hurricanes in XXXX. 
main home hit. 
pls. work with us during recovery
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Account # XXXX Balance {$610.00} XXXX XXXX XXXX XXXX Account # XXXX Balance {$72.00} In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Debt collection

I hope you can help me. There is an account that continues to report in my credit file that actually belongs to my father. I don't know if its the bureaus not doing their job or this collection company that continues to report the incorrect information but it still appears on my file after disputing it several times. The company 's name is Advanced Collection Bureau Inc. account number the bureaus are reporting  XXXX and the company name where it originated was XXXX XXXX XXXX XXXX. I contacted them personally and they verified it did not belong to me and doesn't understand why the collection company would report this. Which also makes me question if the bureau actually researched the item.
Product: Credit card or prepaid card

Capital one fails to process " correction of error '' as a standard for actual damages which cost me increased in denial to close on recent mortgage, lost of XXXX money of {$7500.00} and other caused my credit score drop significantly. when I expressed to capital one that they are exhibiting abuse of power knowing that I never received the card, no knowledge of terms of agreement of any annual fee, card was never activated, non receipt of any statements yet they placed the master card allegedly opened in XX/XX/XXXX of {$300.00} limit now negatively reporting sporadic late entries on my credit for months upon months for annual fees, late fees and interest for deceptive and false reporting. 

I learned of this issue in XX/XX/XXXX of the issue as i was not aware of this account reporting on me due to i have other accounts with capital one. Capital one is truly and the only one that reaped all the benefits of getting money deceptively from me while i as the consumer suffers reducing credit scores,, lost of {$7500.00} for earnest money in not able closing a mortgage loan due to that account reporting negatively and ongoing risks of high interest rates. The deceptive behavior of all at capital one continues to harm me. Not only has Capital one failed to conduct ethically under the guidelines of the FCRA but Capital one has willfully violated TILA and regulation Z 12 CFR 1026.9 - Subsequent disclosure requirements and only continues to act unfair and deceptive. Capital one agents expressed and promised to remove all fees and negative reports due to the facts of my having no knowledge of this card and told me to just pay AND THEY WOULD DELETE ACCOUNT. the ONLY OTHER legit cards that used with a master card of capital one as i was an authorized user opened in XXXX for limit of {$300.00} only other legal cards I have is the {$500.00} limit MC opened in XXXX card master card with capital one. I have been only abused and only received unfair and deceptive conduct from Capital one of all this false AND DECEPTIVE reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  Account Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you because I have sent out 3 certified letters to Equifax and XXXX on an account that is incomplete and inaccurate information on my consumer report. Each time its coming back VERIFIED and ACCURATE. However, I have studied and educated myself in consumer protection rights- Under FCRA it states whatever is reported to my credit report must be accurate and correct. In this case, it is not and I demand to delete this entire account immediately or I will file lawsuit because this FCRA violation. 

XXXX XXXX XXXX ACCT XXXX I have upload a image to show the inaccuracies on my consumer report. there's no way you can be on-time 30 days late In may 2022, 60 days late in XXXX, on time in XXXX, 90 days late in XXXX and then XXXX XXXX showing Collections. 

I DEMAND THIS ENTIRE ACCOUNT DELETE FROM XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting inaccurate and incomplete credit information.