23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint addresses ongoing violations of the Identity Theft and Assumption Deterrence Act, the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Gramm-Leach-Bliley Act ( GLBA ), and relevant Texas statutes. Companies are failing to safeguard personal data, resulting in unauthorized use of identifying information. These breaches directly violate federal and state laws designed to protect consumers from identity theft. The companies ' inadequate security measures, failure to place fraud alerts, and improper information sharing practices demand immediate investigation and enforcement of penalties as outlined in these laws. 

U.S Court of Appeals XXXX XXXX, NO XXXX vs. XXXX XXXX FCRA Section 623 XXXX XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX court case XXXX XXXX XXXX XX/XX/year> Filed ( XXXX XXXX ). 

FCRA Section 605 ( c )
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank is reporting a late payment. I have already called them multi times and they are in violation of 15 usc 1681b ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I have already requested that they do not report my private information with a non affiliated third party. This late payment they are reporting came from a credit consumer transaction and it should not be reported. It should be exclude from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2017 i received a denial letter from a bank and one of the so called credit reporting agencies was XXXX XXXX XXXX. who are these people and where to they get the authorization to have all of my credit information. they also say that my credit score is atleast 200 points below everyone else. They also say that have too many delinquencies, which i do n't, limited history for consumer at this phone ( if they are talking about my cell phone number that i use i have had for over 20 years ) the number of accounts with delinquency and not enough bankcard debt experience.
Product: Checking or savings account

They did not do anything about the {$20000.00} I never got last year nor has the social security administration done anything about that or the {$19000.00} dollars I never received this year and the {$46000.00} still accounted for
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXTransunion credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX 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: Prepaid card

I have submitted a claim through cfpb regarding this card already, and it was responded to by the company and 'resolved ' - however the resolution did not work. American Express told me that they activated the card for me, but since then I have tried using it multiple times and it is still not working. At this point I no longer want to keep chasing this and would prefer if American Express could send a check for the value of the giftcard, as it has been over a year of it still not working, even after submitting a complaint to cfpb. Have pasted my original complaint below for more details : I have been attempting to activate and use this American Express Gift Card worth {$250.00} for about a year now. Every time I have been unsuccessful. I have tried every route provided by the company. The company says to go online or call the phone number on the card to activate it. Whenever I try both these routes, online the activation will not go through and causes an error even though the details are correct ( have tried multiple times ). Attempted calling the number on the card ( an automated bot ), and when I input the card number on the phone call it says it is invalid every time. This is not accurate, and so I called the general Amex gift card customer service on XX/XX/year>. I gave them the card details and they were able to tell me that the card is valid, but they are unable to activate it for me as I can only do that through the channels including the online activation and the automated bot phone call activation, both of which I tried and failed as described above. I let them know that these routes were giving me error messages, but customer service told me there was nothing they could do about that. So I am stuck with a card worth {$250.00} that I am completely unable to use and customer service is not willing to help me with accessing it even though it is a valid card.
Product: Student loan

On XX/XX/XXXX, my Student Aid portal was updated. I went to check and stated there is an active loan with MOHELA for {$47000.00}. I went to check MOHELA, as I knew this was not right. This loan was discharged per the PSLF guidelines on XX/XX/XXXX. See letters attached from MOHELA. Sure enough, the loan that was discharged and forgiven is now " open ' on this account. I called and talked to two people. They confirmed this was discharged and can see the letters. After 1:30 hr hold time, I was then met with an advocate who stated that a 'review ' would have to be done to make sure this is the 'right ' loan. Okay, this is the only loan of two that magically was placed back to open status as forbearance. One, I am not in forbearance, that loan was legitimately forgiven/discharged on XX/XX/XXXX. Second, I just started to take classes online with 4 classes to go. Graduation date is XX/XX/XXXX. The only loan I would have open would be for the XXXX school year for the amount of {$12000.00} approximately and that wouldn't show up with MOHELA until in school deferment is completed and graduated in XXXX. 

Dealing with MOHELA has been a nightmare from the get-go. They can not seem to get their act straight and now they are bringing back phantom/discharged debt to try and collect on it. This is straight FWA and illegal on MOHELA 's part. The worst part is, instead of taking care of the obvious human error right away, they are making their clients follow up with THEM and do the leg work, calling them out and pointing out their missteps and not expediting these cases to make them right. It is a really bad way to do business and I did report FWA to the OIG/USDEd because now they are going to try and charge me interest once the COVID 19 restrictions are lifted AND report this to the credit agencies for a phantom debt. If they do not resolve this with the next two weeks, I will get a lawyer for FWA charges.
Product: Credit card or prepaid card

I had two active cards with citi Bank diamond and citi bank double cash .i was affected by covid and i could only pay the minimum and when I received other money i would send extra. I was trying to get my usage down so 1. So can get my credit rating backup due to a XXXX breach of my personal info that caused an avalanche of credit problems with XXXX XXXX, ( who is going through problems that has affected many of their consumers ) this breach causing me to fall behind because many of my payments were sent back to my creditors unknown to me. XXXX i could not reach citibank until XXXX of XXXX. When i did reach them I asked Citi Bank how were they assisting their customers during the pandemic since i am XXXX XXXX and following the rules that the governor set? They offer two months and i managed to pay extra, my accounts were over the limits due to interest fees late fees and usage. We were in a global pandemic, i had to feed my children and help them adjust to remote learning at home, this was the first time i had to have fourteen computers on in one location ; needless to say it did not work so I had to set7 computer in one location and7computers at another location so everyone would have access ; I soon learned that access in XXXX, XXXX and areas outside XXXX, XXXX, ( underserved communities ) were different. I had difficulty reaching citibank, i could not reach by phone and when i did i would be on hold for hours and could not access them through internetcausing late fees in XXXX and XXXX. This was by design. I informed them this was not my fault.During the reopening process i was able to reopen my buisness at 25 % capacity, my tenants were not able to pay rent and in Massachusetts they ( we ) were protected under the moratorium. In XXXX from non eviction ... no income from income property and yet i manage to pay and on time when they could be reached. The problem is, as i paid they decreased my credit limit on the Citibank diamond they lower my balance and when i called them and asked why they were setting me up to fail they closed the account on the credit report but not on my statement making me think i can use the card ... unfair practice ( translation -do as i say, not as i do ). The double cash card they just lowered the availability as i used it. My usage is at a 100 % when i have paid this account. They have been unfair to me during a time of uncertainty. They lowered my credit limit onXXXX again ... so no matter what i do if i pay the minimum i will be at 100 % usage and pay more fees over time and if i pay a lump they would lower credit limit and i would be at a hundred %. I pay. A lump sum thinking if i need to buy something i could ... wrong you cant. I know i am not the only one trying to balance during this global pandemic.
Product: Debt collection

In XXXX Cheek law of LLC Petitioned XXXX county court to revive an old debt from XXXX. 
I explained to both the courts and cheek that I was on a fixed income of {$720.00}. per month yet the court granted these vultures access into my life for a debt which I had already paid for with 7 years of bad credit.
Product: Credit reporting or other personal consumer reports

I had contacted XXXX XXXX XXXX ( the owner of my debt ) and agreed to a settlement. Settlement was fully paid on XXXX/24. Discover is still reporting a balance of ~ {$1100.00} on my account. I filed a dispute via XXXX have the balance corrected. On my credit report ran on XXXX/2024 it still stated I had the balance. I submitted a dispute same day, and they verified the balance as accurate. I would like this debt removed as I am no longer responsible for the debt, the settlement payments had been updated for the balance went from ~ {$1800.00} to ~ {$1100.00} after I had paid {$750.00} to settle it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will NOT allow you to update your balances until the Credit Card decides to do so. They like to update debt reported to them from the Credit Cards ( their clients ) whenever they want -- but refuse to correctly indicate the Card is paid in full when it is so it will adjust your scores asap. I do NOT believe there is a law which indicates they can't updates these reports immediately which is what they use as to why they don't allow it when you are disputing balances.

I just disputed these two cards as being paid and XXXX continues to show them as having balances. My plan is to close 1 each 6 months so they don't lower my scores in the current system of FICO as of today. Unless this changes this is what we have to work with. These bureaus are private and are in business only to make money not to help consumers!. 
I want these updates when they happen I am sure their computer systems can trigger instant updates. Here attached are the paid off credit cards for XXXX XXXX ending in XXXX and XXXX.
Product: Debt collection

To Whom it may concern, I recently challenged the validity of I.C. SYSTEM, INC ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. 
I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing.
Product: Credit reporting or other personal consumer reports

I noticed multiple billing mistakes on my credit report, showing late payments that don't align with my regular payment history. Please fix these errors and update my account. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX Bank has been using my consumer report incorrectly. They have violated the FDCPA. They have communicated to several consumer reporting agencies such as XXXX, XXXX, and Experian without my written consent. They have also reported my balance to these consumer reporting agencies which has negatively impacted my credit score. This unfair reporting is making me look like a risky and unreliable consumer. I am trying to buy home within the next few months and having a low credit score will make it difficult for me. I first made XXXX Bank aware of how they violated 15 U.S.C 1692c ( b ) and along with other federal codes on XX/XX/XXXX. I sent off labeled exhibits and an affidavit via certified mail and green return receipt. Secondly, I sent off these same exhibits along with other documents which included an invoice via certified mail and green return receipt on XX/XX/XXXX. Within the other documents included a cease and desist. In that cease and desist I made them aware of how they did not have my written consent to communicate with any third parties and I demanded for them to do other things
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account 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 XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX, DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX, DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX, DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXXDEPT OF ED / XXXX XXXXDEPT OF ED / DEPT OF ED / XXXXDEPT OF ED / DEPT OF ED / XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT . OF EDUCATION/XXXX XXXX, XXXX XXXX XXXX XXXX 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 withount 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 ) (! ) A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

in a previous cfpb complain and I prior telephonic recorded convos i was told my credit protection ends XXXX I called XXXX and they said it ended XXXX which is not accurate. A payment is due XXXX and they are trying not to pay that last payment their obligated to pay under my credit protection. companies like these need to be thoroughly investigated
Product: Money transfer, virtual currency, or money service

I did not receive a expected deposit. I was told the deposit was tried. I was told the deposit would come from a citizens bank in XXXX CT Same bank different location. 
Beneficiaries are not required unless it is a trust account. 

The Bank is not required to and does not accept a wire if an account is not established in the name of the beneficiary. Bank records confirm, Citizens has not received a wire of any amount listing you as the beneficiary. Should the bank receive a wire listing you as the beneficiary, the wire will be returned to the initiating bank if an account with Citizens has not been established. I hope this correspondence has addressed any concern you may have had regarding this matter. Please be assured Citizens commitment is to provide you with the highest level of customer service and consistently exceed your expectations. Should you have any additional inquiries, please contact me directly at XXXX during my office hours of Monday through Friday from XXXX XXXX  until XXXX XXXX  Eastern Standard Time ( EST ). Respectfully, XXXX XXXX XXXX Office of the Chairman CC : Consumer Financial Protection Bureau ( CFPB ) CFPB Case Number : XXXX
Product: Debt collection

In XX/XX/2018 I enrolled all my credit cards with XXXX XXXX XXXX XXXX including XXXX so I don't have to deal with these creditors myself. I managed to pay all my credit cards on time until I got laid-off my job. After XXXX month, I still not able to find a job and all my savings start drying out & I start falling behind my bills. 
XXXX sold my debt to a third party without my knowledge and I don't even receive a notice from the original creditor. LVNV Funding LLC is now owed my debt and placed my account to XXXX credit bureaus with the amount of {$7400.00}. I don't think I owed this much of money from my credit card as my limit given to me is only $ XXXX by XXXX and I already been paying them before I even fall behind my bill. LVNV funding keeps reaging my debt every year from credit bureau which hurts my account. They failed to provide me the agreement with the original creditors regarding this debt and all payment transactions made to XXXX.
Product: Credit reporting or other personal consumer reports

Someone has been trying to get accounts in my name without my consent this has been going on for years now. 
Companies XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 

Subject : CREDIT ACCOUNT ONLY BEING REPORTED BY TRANSUNION  Dear Sir/Madam, I am writing to formally dispute the validity of the debt associated with account number, allegedly transferred from the Department of Education to XXXX XXXX XXXX XXXX This debt is fraudulent, and I have no record of ever opening such an account. Additionally, I never provided consent for the Department of Education or XXXX to share or use my personal information in any capacity. 

This account is currently inaccurately reporting on my TransUnion credit report. Experian and Equifax have already removed the fraudulent account following thorough investigations. TransUnions continued reporting of this account is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, as they are failing to comply with their obligations to report only accurate information. 

I have already reported this fraudulent account to the Federal Trade Commission ( FTC ), the XXXX Police Department, and the Attorney Generals Office. Additionally, I have recently filed a complaint with the FBI regarding TransUnion and Nelnets continuing non-compliance. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand : 1. Complete validation of the alleged debt, including all documentation proving the debts validity and showing any authorization on my part to open this account.

2. Proof of my explicit consent, including my signature, authorizing any sharing of my personal information with XXXX. 
3. Immediate cessation of all collection activities, including reporting to any credit reporting agencies until validation is provided.

Additionally, under the Metro 2 credit reporting standards, you are responsible for ensuring that all reported information is accurate. Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), established that parroting information from an original source without conducting a thorough investigation violates both FCRA and FDCPA standards.

If you fail to provide the requested validation within 30 days of receipt of this letter, I demand the following actions : 1. Cease all collection activities permanently.

2. Remove this account from my credit reports and all consumer reporting databases.

3. Notify all credit reporting agencies that this account is fraudulent and disputed. 

Failure to comply will result in further legal action, including escalation to additional regulatory and law enforcement authorities. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I disputed the collection with all three credit bureaus and Santander deleted the charge off with XXXX but didn't follow up and submit the deletion with XXXX and XXXX. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. This delinquent account record is inaccurate. I request that the following account be promptly removed. 

SANTANDER CONSUMER USA # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off this company via phone call stating if I pay this balance will they take it off my report they said yes. It is still on my credit report