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

Starting during my time as a student at XXXX XXXX  my financial aid/scholarship/grant package changed for reasons unknown to me. As a result, I felt forced to take XXXX University private institutional loans. I felt it was my only choice besides being removed from the University for financial reasons. 
Upon graduating, I began paying these private institutional loans. 
They were placed in deferment when I took some additional classes at a community XXXX, aiming to be admitted to professional/graduate school. They continued in deferment when I entered graduate school. In XXXX, when I was in graduate school and my XXXX loans were to be in deferment, the University placed them in collections. They were placed in default/collections with no warning to me. I promptly contacted the XXXX University Bursar 's office to resolve this matter. They were rude, combative, and insulting to me and my character. 

Despite the fact that these high-interest loans were to be on in- school deferment, they still unjustly placed them in collections. The University claimed that they had contacted me regarding the loans. They provided no documentation of these alleged contacts. Other than telling me they had made contacts. They refused to show any proof, or allow me to talk to a higher level of financial authority at the University. 

One of the reasons I had to withdraw from graduate school was due to the inability to get federal financial funding, due to these loans wrongfully labeled as defaulted on my credit report. Since XXXX to this current year, XXXX, I have been harassed by different collection agencies on behalf of XXXX University. I have been harassed by these parties acting on behalf of XXXX University for XXXX years.This is in spite of my continuous dispute of loan default. One collection agency ( working on behalf of XXXX University ) even contacted me again this year, XXXX, despite my previous explicit instructions for them not to contact me in any manner.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I am composing this letter to complain about the XXXX credit bureaus that are reporting unauthorized inquiries on my credit report. 
XXXX Equifax and XXXX. I have contacted them several times and no positive results. They do not respect me and it is depressing. These inquiries have damaged my score and make it very hard for me to sleep at night. Nobody helps me when I call the customer service numbers. Please help me with these negatives reporting to my credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account never late World Acceptance No knowledge of this account XXXX XXXX No knowledge of this account XXXX XXXX XXXX No knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a bankruptcy in 2019. The majority of all debt was immediately removed from my credit report, except for a few. These few still show up on my credit reports as delinquent or paid late, even though they were never paid late up until the bankruptcy. Regardless, they are listed as " negative '' on my credit report and have a severe impact on my credit history, in addition to fixing my credit after a bankruptcy due to family medical bills. The credit bureaus refuse to remove the information, even though they should no longer be on my credit report after the bankruptcy went through 3-years ago. They should have been removed after the bankruptcy was complete, just like the other debt.
Product: Vehicle loan or lease

On my other complaints they admitted they violated this law 15 usc 1666 ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency.

( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 

( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, 1974, XXXX XXXX. XXXX. )
Product: Credit reporting or other personal consumer reports

TRANSUNION sent a stall letter and did not accept my metro 2 compliance letter on XXXXXXXX  i received the letter they sent and will attach it with more verification imfo
Product: Credit card or prepaid card

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm XXXX I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, 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 U.S.C. 1681 of the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1981 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records by 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 reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to you once again regarding the unresolved issue of fraudulent items on my credit report. Despite previous attempts to rectify this matter, the fraudulent entries persist, causing undue distress and posing a significant threat to my financial well-being. 

In each attempt, I have provided detailed explanations and compelling evidence to substantiate my claims of fraud. I have also followed up with your customer support hotline on multiple occasions to inquire about the status of my disputes. However, despite my persistent efforts, the fraudulent items remain on my credit report, tarnishing its accuracy and integrity. Additionally, I seek transparency regarding the specific actions taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX  XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX Balance : {$8700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$20000.00}.
Product: Money transfer, virtual currency, or money service

OnXX/XX/XXXX i tried to sell off my XXXX Celo. upon first attempt to sell it was clear i did not have the full amount in my account but i assumed this was because my account was unverified. upon verifying my account the Celo i tried to sell initially was not returned to my account. Additionally. The amount sold was unavailable to my bank account. 

i would like a return of my lost tokens ( XXXX ) at price XXXX
Product: Debt collection

The debt was contained fraudulently and not by myself. I was never notified of owing the collection company, or the amount. I contacted the company to retrieve debt validation but they failed to provide me with the information. There is no proof that I indeed am bound to pay off this debt.
Product: Checking or savings account

Hi my name is XXXX XXXX. I deposited some winnings to my US Bank account from my XXXX account. Soon after, somebody had compromised my account and stole all of my money. My card was stolen from me and also my phone. Somebody was literally able to go in the branch and withdraw all of my money. I was crying so much because Ive never lost this much money before and I was so lost and did not know what to do. I quickly contacted my bank and told them of the fraud I discovered and was assured that I would get my money back. Once my claim was filed I received some documents via mail which a few representatives had advised me ; to fill out EVERY SINGLE DOCUMENT. So I did just that. It is now about to go on 2 months almost without my money and Ive been calling the bank constantly about it. So I call today for an update and he says I have some bad news I see you signed the indemnity agreement. I was like why is that bad news. He said well that holds the bank not responsible for future claims. Then I asked well what about the current claim. He said the current claim the bank still will pay but any future lawsuits you basically just waived your rights I feel like I was baited into signing this agreement because it is not clear and is purposely put at the end of all the documents that were sent to me. He did tell me though ; that my current claim was still in works but also to me that IF HE WERE ME HE WOULD HAVE NEVER SIGNED THE INDEMNITY AGREEMENT. So now I really feel bated into signing something that was not a clear document. At the end of the day $ XXXX XXXX dollars was stolen from me when I feel the bank could have done more to PROTECT ME. All I want is my money back and nothing else to do with US BANK because I have been treated so unfairly throughout this whole process.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX  XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX  XXXX {$760.00} XXXX  XXXX {$530.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Debt collection

cmre financial has a debt on my credit report. it has been taken care of by insurance. we have sent them several letters to show it was taken care of and they will still not remove it. it was taken care of XXXX/XXXX/2016
Product: Credit reporting or other personal consumer reports

TransUnion Date XX/XX/XXXX, I am writing to bring to your attention a critical issue stemming from the deletion of information from TransUnion 's records and the subsequent failure to comply with XXXX XXXX reporting standards and the Fair Credit Reporting Act ( FCRA ), particularly in relation to FCRA 15 USC 1681i ( 8 ) ( d ). 

On XX/XX/XXXX, TransUnion deleted information related to the Nebraska Department of Health for File Number XXXX. However, despite this deletion, there has been a notable lack of compliance with XXXX XXXX standards regarding the issuance of carbon copy notifications to relevant sharing relationships, including third parties and other consumer reporting agencies. 

This failure to share and send a carbon copy notification to other consumer reporting agencies, such as XXXX and XXXX, has resulted in significant consequences. I have previously disputed the presence of child support accounts with both XXXX and XXXX. Had TransUnion shared and sent a carbon copy notification to them, it is likely that these accounts would have been deleted. 

For your reference, the child support accounts are listed as follows on each consumer report : XXXX : Name of the account : NEBR CHILD SUPPORT XXXX, Account Number # XXXX XXXX : Account Name : CHILD SUPPORT NEBRASKA, Account Number : XXXX This oversight has had severe consequences, damaging my character and significantly impacting my opportunities to purchase a home, purchase a vehicle, and obtain credit. As a result, I am facing substantial challenges in various aspects of my life due to this non-compliance with regulatory standards. 

I am reaching out urgently to request clarification on the steps being taken to address this matter and ensure compliance with XXXX XXXX reporting standards and the FCRA. Additionally, I seek information on the procedures in place to rectify this situation promptly and prevent similar incidents from occurring in the future. 

Please prioritize this matter, as it has had a profound impact on my life and financial stability. Your prompt attention and resolution of this issue are greatly appreciated. 

Thank you for your immediate action and attention
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : - Creditor/Company Name : XXXX  - Account Number : XXXX - Inaccurate Information : - The XXXX report lists the account as having " XXXX XXXX ( terms ), '' which is inconsistent with TransUnion and XXXX, which correctly report " XXXX XXXX ( terms ). '' This inconsistency creates confusion and misrepresents the accounts terms. 
- XXXX includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' which is not present in TransUnion or XXXX reports, suggesting unresolved disputes. 
- The " Date Last Active '' is listed as " XX/XX/year> '' in XXXX, whereas TransUnion and XXXX correctly report " XX/XX/year>. '' - The " Date of Last Payment '' is reported as " XX/XX/year> '' by XXXX, while TransUnion and XXXX accurately list it as " XX/XX/year>. '' - XXXX includes comments regarding a " CONSUMER STATEMENT, '' while this field is blank for both TransUnion and XXXX.
Product: Credit card or prepaid card

XXXX XXXX denied my credit card application which is against federal law. I have attached my letter to this complaint.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: Checking or savings account

Tech issue causing all of my direct deposits not to go in. Cant buy anything like groceries or pay my bills.
Product: Credit card or prepaid card

In XX/XX/XXXX I signed up for online access to a food recipe blog site. I did not receive any information from the site alerting me that the subscription would be automatically renewed. In XX/XX/XXXX, I received a new XXXX charge to my Bank of America credit card from the site. I went to the website looking for contact information and found a way to submit a message via an online form and through an email address. I used the online form and didn't hear back, so I contacted Bank of America to dispute the charge. BoA reversed the charge while they contacted the site owners. On XX/XX/XXXX, I received a text message from BoA to review the resolution in the online banking Message Center. What I found was that BoA reinstated the charge and provided the response from the XXXX site. The response from the site stated the customers are charged at checkout, but I checked out a year earlier. They also provided a log that showed an IP address opened emails from them and the BoA representative said that was proof enough that I owed the amount charged. The log did not contain dates for these actions or any information to indicate the IP address is mine. Also there was nothing indicating that I agreed to an auto renewal. The log did show an unsubscribe entry which, if that is my XXXX address, was probably when I tried to unsubscribe to their email using a link at the bottom of the emails. I am still receiving emails from the site and have no way to stop them. 
When I called Bank of America regarding the letter the person, I spoke with repeatedly told me that it was up to me to prove that I didn't agree to auto renewal not the merchant initiating the charge and that the log was proof enough that I owed the charge. The response was absurd and he would not put me in touch with anyone higher up to discuss the issue because they were too busy. He refused to give me his last name and then took my phone number to have someone return my call, but they have not. I asked the rep if the calls are recorded and said yes, so they can listen to the call if they want. I have attached files related to this matter. 
This is small money, but I can not be the only person that this type of thing is happening to. What if I pay the bill and this is charged again next year? Why should I have to initiate a lawsuit against the merchant to resolve this? Some people would not be able to do that, there needs to be broader consumer protection. Based on the information provided, I don't know how BoA can say they completed an investigation. The Credit card issuers should have to provide a better level of protection for their customers.