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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I enrolled on the SAVE plan with the intention of taking advantage of no additional interest with on time payments, even though my payment is higher than other plans. I also enrolled in autopay with Nelnet. Initially the website said my payment was processing, however, when I logged on to check the status, Nelnet has applied an administrative forbearance until XX/XX/2026 with no communication or notice to me about this. I didn't ask nor authorize this. I tried to my on time, automatic payments in good faith and utilize the proposed benefit of the SAVE plan and now I'm being charged interest on something I tried to make arrangements for. Several times when I was trying to see the status, Nelnets website was down, their call centers were not taking calls and no one is communicating about these changes they're enacting.
Product: Vehicle loan or lease

I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated 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 ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
The dealership did not disclose this information to me that is required by federal law. 
The dealership knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. 
The dealership knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 
You are in violations of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit and there are many items I were not familiar with. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my income taxes has already been filed. Please remove these unknown items from my report. 

DPT ED/XXXX XXXX {$1500.00} DPT ED/XXXX XXXX {$2700.00} DPT ED/XXXX XXXX {$140.00} DPT ED/XXXX XXXX {$6300.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$1800.00} DPT ED/XXXX XXXX {$140.00} DPT ED/XXXX XXXX {$870.00} XXXX   XXXX {$3500.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$10000.00} XXXX  XXXX {$3600.00} DPT ED/XXXX XXXX {$7300.00} XXXX  XXXX {$6800.00} XXXX  XXXX {$3700.00} XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX  XXXX {$420.00} XXXX AR XXXX {$480.00} XXXX  XXXX {$12000.00} DEPTEDXXXX   XXXX {$2200.00} DEPTEDXXXX XXXXXXXX {$4000.00} DEPTEDXXXX  XXXX {$1200.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$820.00} XXXX   XXXX {$4000.00} XXXX XXXX {$30.00} XXXX   XXXX {$190.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4100.00}
Product: Debt collection

On XX/XX/2018 I received a vmail from XXXX XXXX ... she left all types of information on my voicemail the voicemail was stated as " XXXX XXXX my name is XXXX XXXX compliance officer contacting you in reference to your pending case being filed. By Law I have to make you aware that once case XXXX is filed it will become a matter of public record and there is an order of location issued for you. Since I was unable to reach you by telephone. I was instructed to contact the employer and speak with the supervisor as it looks like this is now a place of location to bill your negligence on your end on this case. Now you do have the legal right to contact the filing party that is responsible for handling your case with any questions. However XXXX please be advised once the case is discharged from their office all rights are to be forfeited the phone number listed on your paperwork to contact their office with any questions is XXXX XXXX XXXX you have been legally notified by telephone and i will have you located unless I am told otherwise. Good Luck. '' You cant contact people like this and what if that wasnt my voicemail.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

To Whom It May Concern, I am filing this complaint regarding the improper closure of my Bank of America credit card accounts and the interruption of my Bill Pay service due to Bank of Americas failure to reflect my profile updates. 

I recently received a letter from Bank of America, asking me to update my profile. And in the past few weeks, I updated my profile information multiple times via Bank of Americas online banking website, I did multiple times because I knew their system isn't always reliable. Despite successfully completing these updates, my credit card accounts were closed on XX/XX/year>. When I contacted customer service, I was informed that the accounts were closed because my profile had not been updated. However, I had already made the required updates, and it appears that Bank of Americas system failed to process or reflect these changes. 

Additionally, Bank of America stopped my XXXX XXXX service due to the same issue, which led to a two-day late payment on one of my Bank of America XXXX XXXX XXXX Although this late payment has not been reported to the credit bureaus yet, I am concerned that it may be reported, unfairly harming my credit score. Since the late payment was caused by Bank of Americas system error and not my actions, I believe any reporting of this late payment would be unwarranted. 

This situation has caused significant inconvenience and financial stress. Since I fulfilled my responsibility by updating my profile information, I request immediate action to address these issues. 

I request the CFPB to investigate this matter and ensure that Bank of America : 1. Reviews and rectifies the error in their system that caused this issue.

2. Reinstates my closed credit card accounts with all terms and benefits intact.

3. Reinstates my Bill Pay service.

4. Confirms in writing that the two-day late payment will not be reported to credit bureaus. 
5. Ensures that this incident does not result in any fees, penalties, or negative consequences. 
Please feel free to contact me if you need additional details regarding this matter. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Credit Reporting Agency Experian. On XX/XX/23, I pulled my credit report ( see partial attached ). I sent a letter to Experian to dispute the inconsistent and inaccurate reporting with the Date Last Reported with 3 accounts ( XXXX, XXXX XXXX and XXXX ) and XXXX 30 day late with XXXX account. 

On XX/XX/23, a new report was pulled, I sent follow up letters to Experian and other bureaus, however, it was not until a closer review of the XX/XX/23 credit pull that I noticed the FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ) violations ( report attached ). 

On XX/XX/23, I sent a letter to Experian requesting these accounts to be removed as they were in violation of my rights per FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ). ( See attached. ) All letters, certified receipts, XX/XX/23 and XX/XX/23 credit reports were sent with this letter. 

Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

FDCPA 807 ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

On of XX/XX/23, I pulled my report ( see attached ), and Experian is still in violation. 

FYI- I sent the same packaged request to XXXX, and XXXX, XXXX XXXX  accounts were removed. The XXXX XXXX was not removed as XXXX did post properly that this account was disputed by consumer. 

Thank you, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a personal loan from this company on XX/XX/2021. Per the company policy provided to me at the time I applied for the loan, I called on XX/XX/XXXX, 3 business days before my next repayment due date, and requested to revoke ACH authorization. I also sent the company an e-mail, and was told to call to discuss the account. I called, each representative I spoke to never introduced themselves or identified the company name as " Fox Hills Cash. '' Finally, I was transferred to an account manager, named " XXXX. '' When I asked to revoke ACH authorization, his response was " oh so you don't want to pay us. '' He then proceeded to say " You people always borrow money and refuse to pay it back. '' At the time I made the call, I had not missed any payment. He then threatened that if I did not allow them access to my bank account, they would report to all credit bureaus, and say I defaulted on the loan. Shortly after, my account was placed in collections. When I called them back to ask why me revoking ACH authorization automatically places my account in collections, I was told " that's just how it is. '' The company does not accept any electronic payments, not RCC and I can not call in to make a payment with my debit or credit card. I am fearful about them having my bank account information, and I do not like the way they handled this situation. I never received any confirmation that ACH authorization was revoked and I was bullied by this company just for requesting to remove authorization for them to automatically charge my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX with the credit bureaus as inaccurate but it came back verified. Under the laws and UCC 9.506 as well as state RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I demanded proof that the repossession of the subject vehicle and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. IF no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void
Product: Credit reporting or other personal consumer reports

I mailed a dispute to Experian XX/XX/2023 to have this alleged debt removed from my consumer report. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2021, I contacted XXXX XXXX XXXX about having troubles making my payments. A few months ago, I had to have an operation due ; however, my insurance didn't cover the operation and I was forced to pay out of pockets expenses. 

I contacted XXXX and informed them of the situation. The representative agreed to push back my loan due date and my credit wouldn't be affected. I made the agreed payment and have been current since. XXXX reported I was late, when we both had an understanding that I would make a payment next Month. At no time was I aware my credit would be reported as late. Since all calls are recorded, I ask that someone replay the phone calls and hear the conversation.
Product: Debt collection

Hello CFPB, On   XXXX   XXXX   XXXX   I sent a request for validation to  Port  folio Recovery regard ing a collection account that they are reporting on my credit reports for an amount of {$1100.00}. Since sending the validation request I have not received a response or the requested information in my request to  Portfolio Recovery . On   XXXX   XXXX   XXXX     I tried using my debit card the transaction was not able to go through. I called my financial institution and was advised the transaction did not go through because a freeze was issued by  Portfolio Recovery . I spoke with  Portfolio Recovery ,  XXXX    XXXX   XXXX   XXXX     after receiving the information from the bank.  Portfolio Recovery  confirmed since the validation of debt came back in their favor they were able to issue a garnishment and freeze my bank account but, never sent me anything related to the validation and insisted that I make arrangements on the debt.   Portfolio Recovery has failed to comply with my validation request and has failed to comply with Fair Debt Collection Practices Act,  USC 1692g Sec. 809 (  b ). I am hoping that your organization is able to assist me with resolving this matter.  Portfolio Recovery  has violated my consumers rights. Their practices are deceptive and unethical.   Since  Portfolio Recovery  has not sent me proof of validation and continue to report and collect on this debt which illegal. The collection agency need to remove the derogatory collection account from my credit reports and cease their collection efforts against my bank account and with my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute by mail with Experian regarding inaccurate information being reported. Experian indicated the information was valid however they failed to provide details that I requested such as how they verified the information and requested supporting documents. Experian continues to dismiss my request along with actually verifying the account which can be proven by looking over my report. There are clearly errors on my report that manipulates the status of limitation and if Experian was actually reviewing and conducting an investigation then they would have identified those errors and if they were ethical then they would have deleted/updated the account. Experian continues to send generic responses stating it was validated when it wasnt. An actual ethical investigation has not taken place and they need to be held accountable as this has a negative impact on my report and credit score.
Product: Debt collection

There was an account opened in my name while I was XXXX which resulted in fraud that I did not have any knowledge of. I truly am just trying to build my credit because someone used my information and opened up these accounts without my knowledge. This is affecting my ability to buy a car and town home please help me get rid of this.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors : XXXX acct-XXXX, XXXX XXXX acct # XXXX and they have failed to do so.
Product: Checking or savings account

Chase bank has been rearranging transactions to maximize O/D fees. On XX/XX/XXXX I had am available balance of XXXX. I went to the store and spent XXXX which the pin pad was messed up and it request XXXX $ back as cash which then left me with a XXXX balance. I went back to the bank to deposit XXXX $ to bring the account to XXXX XXXX Which according to Chase Bank O/D fee policy anything under 5 $ isnt charged a O/D fee. 
I wake up on XX/XX/XXXX to find a available balance of XXXX. I talked to a rep at the bank who just told me the same scripted stuff about monitoring my account and that available and current are two different things. I kept bringing up that I get that but how am I O/D when I put the money back to cover it. Every time i mention rearranging the bank get super defensive about it. I have also done my own research and found out that Chase has had a XXXX XXXX dollar lawsuit back in XXXX for this exact same thing that I'm dealing with.
Product: Credit reporting or other personal consumer reports

I want to dispute this debt because this debt does not belong to me. I had received an email today about this debt informing me that I had ( XXXX ) days to submit a dispute to XXXX XXXX XXXX I remember filing a dispute with the Consumer Financial Protection Bureau ( CFPB ) about his debt already back in XX/XX/year>. I had called the previous creditor ( XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) and they had said they werent going to furnish this debt on my credit report because this debt is not mine. The Consumer Financial Protection Bureau ( CFPB ) did write me back also saying that this debt wasnt mine couple of years ago. I did submit another Consumer Financial Protection Bureau ( XXXX ) Dispute last month when I notice that this debt was still on my credit report. Im now submitting along with appeal a copy of my XXXX passport, Social Security and XXXX ID card to help in disputing this debt. Im also submitting a copy of a brand new XXXX XXXX XXXX report filed today XXXX XXXX for this debt and new creditor in the name of XXXX XXXX XXXX This debt was also previously deleted off my credit report and should not have been added back on again.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX afternoon, my husband received a voicemail from Target Credit services verifying some information regarding an application of credit card using my name, social security number and license number. I called the Target Credit Services and informed them that it is not me who is applying for the credit card. I asked them if they apply it online or at the store. They told me that the application was filled out in person at Target located in XXXX, Florida. I called Target and spoke with security manager to ask if they can help me find the person who did it by looking on their video camera. They told me that they can do it but it will takes time and they will just call me when they saw it. 
The next day, I filed a report to XXXX police officer. 
My complaints is how can the Target employee accepted this application without a proof of identity. I still received the Target gift card this week which is telling me that it was approved even though it was cancelled already on XXXX/XXXX/XXXX after I spoke with Target Credit Services.