23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian has mixed my credit file with many other people. They did not even have my correct SSN on my report. I called and spent over an hour on the phone with someone XXXX weeks ago disputing all of the incorrect information. Experian stated they performed their investigation and the information they have on my report will stay. The issue is, as I explained AGAIN today, is they have several other people mixed in to my report and because of that, I've had collection agencies put garnishments on me and try to summons me at my address when it should be for either XXXX XXXX or XXXX XXXX. I spoke with a specialist today by the name of XXXX with Experian who said she could see that files were mixed and she would work to get them split and corrected. I also informed her that I have been trying for XXXX weeks to upload documents that prove my address for the last XXXX  years, my SSN and the fact I'm on XXXX and the website is rejecting them. I was told I needed to send the files to a XXXX XXXX XXXX I'm not comfortable sending copies of my personal information to a XXXX XXXX XXXX I should be able to send them via certification so Experian can not dispute they received.
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. 

XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number XXXX XXXX XXXX Account Number 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 an 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 card

On XX/XX/XXXX I made a payment on my Chase Freedom card in the amount of {$5300.00}. On the XXXX and XXXX transactions were made on the card, then an additional payment was made on the card bringing the balance back to a XXXX balance. 

After the XXXX of XXXX, I began to receive declined notifications from various accounts I have on auto-pay, this would take place for over week, with no notification from Chase advising of any form of issue or concern with my account, no text, push messages, emails, or phone calls. Only after I called on the XXXX of XXXX was I advised that it " may '' be because I made a large payment from a different account, causing my card to be frozen. When questioned about the reason for no notification about the account status, I was given no reason. On this call I was informed that my restriction would be lifted and I would be able to use my card again, yet the next day my card was decline again when attempting to make a transaction, although my balance showed a credit, due to my last payment and points redeemed. 

On the XXXX of XXXX I would spend almost another hour on the line with Chase, being transferred unexpectedly, and still not receiving answers as to why my card wasn't working or why it was frozen to begin with. While this freeze was taking place, my Chase Saphire card worked with no issue. The last party I spoke with stated that the payment amount made was higher than my normal payments, so it appeared it was why their fraud team froze my card. I advised the agent that if my amount was reviewed they would see that I make numerous payments a month in various amounts, from XXXX to XXXX dollars, and at least once a year if I have a large balance it will be paid in one full, as I did previously in early 2023. 

Chase not only failed to communicate with me about my account, they also caused me multiple inconveniences and issues with various accounts due to accounts becoming past due and the correlating cost. If had not contacted Chase it is unclear when I would have been notified, if ever. This is totally unacceptable behavior on behalf of Chase, if a customer failed to pay due to an issue beknowst to Chase, it would not be met with concessions, they would hold the customer accountable for paying what they owe. 

In lieu of this poor handling of my account and the even poorer customer service I received over the course two days, I expect some form of gesture to make this right on behalf of Chase.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX  # XXXX XX/XX/XXXX -- {$3000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$560.00} XXXX  # XXXX XX/XX/XXXX -- {$540.00}
Product: Debt collection

In XXXX of XXXX I moved into my new home at XXXX XXXX XXXX XXXX in XXXX. My new home was new construction and when I called XXXX to transfer service from XXXX XXXX XXXX XXXX XXXX advised that they did not have the infrastructure to provide service to the newly constructed home. The tech on the phone explained that since XXXX  was not available yet in my new neighborhood there would be no termination fee. I subsequently took the XXXX equipment to the XXXX store in XXXX, and the store tech re-confirmed that there would be no termination fee. I returned the equipment and paid my bill in full and got a receipt. Subsequently, I received a bill from XXXX for the equipment and termination. I called them multiple times to remove the charges. Nonetheless, the bill was sent to a collection agency last year. I disputed the bill and remitted the receipt for the equipment. I requested that the Collection Agency ( AFNI ) to revise the statement with a XXXX balance and send the statement to me. 
AFNI has failed to send me a corrected statement.
Product: Credit reporting

I have multiple errors that I have been working hard tohave equifax fix but theyrefuse to help me and I dont know what to do bc I 've consulted with the bank the provide me a letter about a 30 day latepayment with XXXX banks bc of the type of bill payment check from XXXX. 

Also I have a fraud collection that equifax repeatedly re-reports but with a higher balance. I feel as if Equifax and the collection agency are in bed with each other and taking money to keep stuff on consumers reports no matter the case. 

I need these lates remove by equifax and the collection gone. I see they 're getting fined and sue bc of misleading on credit scores .... maybe this will be next.. I hope not but the evidence is piling up bc the other XXXX bureaus investigated and updated.. except EQUIFAX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX is violating my rights by listing late payments per fcra 15 u.s. code {$6800.00} Obligation with respect to disclosure of personal information. 
third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 u.s.c. 1681a ( 2 ) ( I ) 15 u s. Code $ 1666b timing of payment
Product: Credit reporting or other personal consumer reports

I asked them to delete information off my credit report that cant be verified and had the wrong information on it
Product: Student loan

I currently have {$22000.00} in student loans being serviced by Mohela. I have been enrolled in the Public Service Loan Forgiveness Program since XXXX and making qualifying payments for 9 years. The current PSLF tracker on Mohela 's website says my payments from XX/XX/XXXX through XX/XX/XXXX are not being counted because I need to verify my employer. However, I have already done so. In fact, their own records on their website have me listed as employed by a qualified nonprofit during that time. Starting in XX/XX/XXXX they have qualified payments recorded because I was working at a nonprofit called XXXX XXXX XXXX XXXX. All of my PSLF forms from XXXX XXXX indicate that I began working there on XX/XX/XXXX and left the organization on XX/XX/XXXX. This amounts to 20 qualifying payments that I made but, after several attempts to get Mohela to acknowledge these my employment at XXXX during that time, is still being denied. 

Mohela is extremely slow to respond to messages and seems to have removed the feature on their website that allows me to submit a message directly to the company, as on XX/XX/XXXX. I have tried several times to get a " PSLF Specialist '' on the phone. Their toll free PSLF number provides over 10 minutes of information through an automated message before even allowing a customer to select from their menu of options. The options try to direct you to more automated messages. You have to go through several layers of options before " speak to a representative '' is an offered as an option. Once it is offered and selected, it actually sent me back to the automated menu instead of directing me to a person. 

I just want to have my payments acknowledged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX Balance : {$100.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX Balance : {$260.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance : {$3100.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXXXXXX Balance : {$4300.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

XXXX XXXX Balance : {$7500.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5300.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX. 
ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX 15 USC 1681 section 602A States that I have a right to privacy.

15 USC 1681 section 604A section 2 : IT also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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.
Product: Credit reporting or other personal consumer reports

I received a bill from you on and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed and accept this letter, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail
Product: Checking or savings account

US Bank in MN froze 3 of my accounts : my business checking, my personal savings and my personal credit card that had XXXX points. They refuse to allow me to use these points, even though I did not ask to close these accounts and they were all in great standings. I never missed a payment. I found this out on XX/XX/XXXX, from my clients. They could not deposit my monthly commissions into my account because my bank account was frozen. Also, XXXX XXXX was not able to process my payment. I questioned my local branch. They told me to call XXXX XXXX. They gave me no specific reason why they did except " US Bank was allowed to do so because I signed an agreement '' ( back in XXXX ) that said they could do so at any time without any notice. I have a good credit history. I have 15 clients that directly deposit money into my account. I run a payroll with XXXX other employees. I have a mortgage payment that was late. 

I can not understand what I did except that I'm a woman-owned small business.
Product: Debt collection

Diversified Consultants should be fined for reporting a debt that was clearly reported a fraud to XXXX. I have reported this debt many times to XXXX  and also Diversified Consultants that this was fraud and Diversified Consultants continue to report this
Product: Debt collection

On this date XX/XX/2021 XXXX XXXX XXXX opened a collection. 
Account # XXXX {$340.00} that i owe I have never signed any written document saying that i owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that i owe this debt to this alleged company. Please have this removed from all three credit bureus. 

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

My account with Pentagon Federal Credit Union was never late. I have had exceptional payment history with Pentagon Federal Credit Union and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
PENTAGON FEDERAL CREDIT UNION Never Sent the periodic statement along with the disclosure from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to order a full Core Logic report, I believe there is some misinformation on my credit report.
Product: Bank account or service

I had opened an account with Scottrade Bank some time ago. The account was left dormant and forgotten about. 

However, I recently tried to call Scottrade Bank to check my balance and close my account. After talking to support from the National Service Center I want told that I was unable to close my account because it had a negative balance. 

The support person told me on the phone that this was a result of fees I had agreed to when opening the account. I asked the support representative for a copy of the account agreement and was told I needed to contact my local office. 

After contacting my local office they said they could mail the requested information to me, but after 6+ weeks, I have yet to receive a copy of the contract and dispute provisions.
Product: Checking or savings account

To whom it may concern Citi bank blocked my account after I transferred my money from my XXXX XXXX  savings account to citibank checking account number XXXX they are not giving my funds stating i will receive them after XXXXdays they cant do that without any reason and holding my money that i have to use for my living they not responding just saying you will receive funds in XXXX  days. Nobodys helping me i demand consumer finance to escalate this case so i can get my funds i talked to citi executive respond unit name was XXXX Tel. XXXX Citi Reference Number : XXXX Nobodya helping me all they stating we have the right to terminate services as i understand but they cant hold my funds for 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Cavalry Portfolio Services Cavalry does not have written consent pursuant to 15 USC 1681b based on my credit as a result of identity theft. Cavalry has failed to produce a judgment or the original contract with my signature, original creditor information and full payment history pursuant to FCRA Section 604 and 609 and has initiated litigation that was subsequently dismissed. Consequently, Cavalry made false claims to credit bureaus. My birth name is XXXX XXXX XXXX and credit was established as such XXXX. with XXXX and other consumer credit cards prior to XX/XX/2006. My married name is XXXX XXXX XXXX XXXX. Please delete any other references and addresses as they are not mine e.g. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit report is incorrect and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, is the only address deliverable to me by mail. All others addresses are incorrect. please remove all other addresses.