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

XXXX  ; Experian and XXXX should not be reporting that I am XXXX XXXX XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my XXXX XXXX and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Debt collection

I FOUND 3 ACCOUNTS FRADULENT ON MY CREDIT REPORT. CONTACTED ALL AGENCIES AS WELL AS FILED FTC AND MAILED LETTERS TO BUREAUS
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Money transfer, virtual currency, or money service

I recently became a victim of a fraudulent scheme and already filed a dispute claim on my bank account " Wells Fargo '' but my dispute claim got denied. So I called the claims department and asked if there's any other option or how they can help me as it is a big amount of money that my family needs to get back. So they transferred my claim to the " High Dollar Fraud Department '' and the representative that I spoke to confirmed that the claim has been denied again ( XX/XX/2021 ). The representative then just advice me to file a police report as they can't do anything anymore. 

I already finished submitting a a file complaint to FTC and FBI 's XXXX XXXX XXXX XXXX. 

I have all the evidence that I was in fact a victim of fraudulent scheme and I can send everything if needed. 

I'm begging that you help me and my family get our hard earned money back.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I had taken out a title loan in Ohio against my XXXX XXXX XXXX  with the intent to use it travel back to XXXX XXXX  XXXX regarding my reestablishing my residency for the XXXX XXXX area. I had payment 's to make by XX/XX/XXXX paid that and XX/XX/XXXX a few days later on each because of my pay date but they were find with that. I lost my employment temporarily in early XX/XX/XXXX then finally in late XX/XX/XXXX/ early XX/XX/XXXX making payment. On XX/XX/XXXX I made a payment of XXXX which I was told by XXXX that was ok by that following Thursday I would have to pay XXXX. I called to pay XXXX. my payment was refused and I was told be XXXX that I had to pay XXXX my loan was for XXXX with a pay back set at XXXX I have paid off XXXX so far. This would leave XXXX they told me I need to come in person to refinance the loan and or pay off the loan ( two different things ) I was confused. I was to pay this last payment of XXXX on XX/XX/XXXX getting paid weekly for now would help me pay off the loan while I could they are refusing to take my money so I get my car taken. I live out of my car while I stay temporarily with a friend and wait for housing. That would have brought it down to XXXX. Then paying another XXXX this week would bring it to XXXX only because my pay is less I missed a day due to housing appt. I was late yes but I was on Now I am another week behind. but if I have so far paid on this loan XXXX I should not have to pay an additional XXXX if what is left is XXXX. I am being scammed and I was told I will loose my title after this Thursday XX/XX/XXXX if I don't pay the XXXX then come back to XXXX to refinance. Even if I owe now for the remaining balance they are trying to get beyond the loan.
Product: Checking or savings account

On XX/XX/2023 at the Bank of America branch located at XXXX XXXX XXXX, XXXX, NC XXXX, I made a CASH deposit of {$9500.00}. The amount credited to my account was {$5900.00}. The teller whom I made the transaction with acted very strangely during the transaction. The receipt I received was very pale and I couldn't make it out. I verified verbally with the teller the deposit amount. 
At the time I was traveling and moving to another state ( solo ) and was out of my normal element, routine. I have health issues that effect my near sight. Add to that, it is very difficult to find certain transactions with the online banking app ( inability to view transactions by type so I can easily verify deposits, its like searching for a needle in a hay stack ). I didnt realize what had happened until the next month. 
The bank is unwilling to look into this beyond an accounting error. Their accounts add up because this was not an accounting error. I was tricked and cheated by the teller. Their security footage will show this. They refuse to investigate or do anything beyond the accounting check. I want the bank to correct this situation and return my money.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX consumer who is a victim of identity theft. XXXX, XXXX and Equifax has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish.Congress makes it clear that the consumer has a right to privacy which XXXX, XXXX, and Equifax has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair CreditReporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of XXXX. I enclosed all documents social, ID and statement below. 
Account Name : XXXX Account # XXXX Balance {$250.00} Date Opened : XXXX XXXX XXXX  Account Name : XXXX Account # XXXX Balance {$250.00} Date Opened : 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. 
Agency : XXXX, Equifax and XXXX Account Name : Capital XXXX Account number : XXXX XXXX This account has violated my rights under these federal laws : * XXXX5 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights. 
* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! Early Warning Services VIOLATED 15 USC 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to CFB complaint # XXXX-XXXX. Equifax responded that my identification did not match there records, However Equifax did confirm my information when I made a Complaint to the XXXX XXXX XXXX on XX/XX/2020 case # XXXX ( see Attached document from XXXX ). In the response to my complaint they reviewed my file and would respond no later than 10 days. Todays date is XX/XX/2020 and I have not received a written response yet. I would like to provide a copy of my Texas Drivers License as to provide the information needed to take the inaccurate and false data on my credit report. In my complaint on XX/XX/2020 I provided documents showing proof that account numbers don't match on any correspondence from the Department of Education/XXXX/XXXX, However the did not investigate a inaccurate and false data on my credit report was because Equifax could not locate my file with the information provided. Please forward my Texas Drivers License ( see attachment ) to provide proof of identification to investigate that they a currently violating FCRA by reporting The Department of Education/XXXX XXXX as being closed on my credit report. the account numbers don't match on 2 different Equifax credit reports ( see attached documents. I provide documentation were the Dept of Education Offset Unit has a different account numbers. The are 6 different numbers however none of the account numbers match.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I discovered significant inconsistencies in the reporting of the XXXX XXXX XXXX account ( Account Number : XXXX ). The reports show conflicting information regarding the status update dates, balance update dates, payment history, and the " on record until '' dates. These discrepancies indicate a failure to provide accurate and consistent information, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Specifically : The status update date is inconsistent between XX/XX/year> and XX/XX/year>. 

The balance update dates are conflicting, being reported as XX/XX/year> and XX/XX/year>. 

The payment history differs in multiple months between the reports. 

The " on record until '' dates vary between XX/XX/year> and XX/XX/year>. 

Moreover, the account appears to have been re-aged with the charge-off status being reported multiple times, in XX/XX/year> and again in XX/XX/year>. This practice of re-aging is not allowed under the FCRA, as it misleads and inaccurately prolongs the negative impact of the charge-off on my credit report. 

These repeated inaccuracies and the re-aging of the charge-off violate my rights under the FCRA, which requires that all information reported must be accurate and verifiable. Despite my previous request to provide a description of the investigation methods used to verify this account, no clear evidence or verification has been provided. 

Due to these ongoing violations and the failure to provide accurate information, I request the immediate deletion of this account from my credit report. 

Please address this matter promptly in accordance with the FCRA requirements.
Product: Credit card or prepaid card

I opened an account with Chase in XXXX. I made charges to the card. On XXXX/XXXX/XXXX I checked my balance and found out that the card was closed. I called the bank to find out what happened, why the card was closed after 3 months. They said they did a periodic check on my credit and decided to revoke the card. Now, since I had opened the account, my overall credit card balances has gone down and my credit score up. Now that they closed the card without warning, my credit took a 14 point hit. They wo n't elaborate on what changed and they are refusing to make it right with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update the suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the listed account. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX XXXX ************** Balance : {$6700.00}
Product: Student loan

I have continued to submit XXXX checks each month to Navient ( XXXX for my federal loan, XXXX for my private loan ), just as I have done for the past 15 years. Starting approximately four months ago, Navient has sent me a form letter informing me that they have taken it upon themselves to reallocate a portion of my payment from my federal loan to my private loan without my consent and I pay more than the minimum. The interest rate on my federal loan is higher than my private loan, so it is obvious why Navient keeps doing this. I have written them letters and called every single month. Each month they tell me they do n't know how it happened and insist it is just a clerical error -- but yet it keeps happening no matter how many phone calls or letter I send. I have had it. I have honored my end of the contract -- Navient is a simply negligent and/or dishonest loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WORLDXXXX XXXXXXXX WORLD-XXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputes information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

Cashapp closed my account due to violating their terms and conditions. I asked for reconsideration and explanation. Cashapp sends me electronic responses that says it's closed permanently and it is final because I violated terms and conditions and there is no other action that I can take. 

So I called there customer service XXXX number and the agent told me that it sounds like a computer error and he will resubmitt my reconsideration because I am entitled to know what terms and conditions I violated or I need to know if my account was hacked due to fraud. He told me to wait on a email response. 

So today for the third time I received the exact same computer generated response that I received the first, second time. 

I have a right to know if someone hack my account and caused a violation of terms and conditions or what terms and conditions was violated under my account name, my linked bank account.
Product: Debt collection

I was asked for all 3 credit bureaus to investigate the negative item on my report. I keep getting the same response but no update on credit report. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I have sent dispute letters to XXXX XXXX and Transunion and I also sent a 30 day demand and comply these credit bureaus are report inaccurate information and have not sent any results at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXAR CU REPORT XXXX 2020 BALANCE {$9300.00} HIGHEST {$10000.00} XXXX  AND EQUIFAX IS REPORTING THIS AS A REAL ESTATE LOAN/MORTGAGE. THAT IS WRONG. IT SHOULD BE REPORTING XXXX XXXX XXXX  HOME EQUITY LINE OF CREDIT REVOLVING TERMS BALANCE AND CREDIT LIMIT XXXX
Product: Debt collection

I filed bankruptcy and it was discharged in XXXX 2015. Stellar Recovery is still showing an account as open collections on my credit report. No balance, no account number, with remarks of Chapter XXXX bankruptcy, bankruptcy discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Great Lakes ( XXXX XXXX  ) transferred all consumers to nelnet ( XXXX  ) in XXXXThe last time XXXX  reported to XXXX  was XXXX, before said transfer. According to experian I owe XXXX in student loans because the XXXX XXXX  report are still reporting a balance as well and the new XXXX  loans are reporting a balance. I confirmed with XXXX XXXX  that my loan balance with them is XXXX yet XXXX  has been reporting a balance of XXXX from XXXX XXXX  it has been 4 months since the transfer and they have not updated with XXXX. I was unable to get a home equity line of credit because my XXXX  score was XXXX XXXX  to low. Undoubtly caused by the XXXX XXXX  misreporting my student loans. I am positive that I am not the only one whose credit report shows debit to XXXX XXXX  they dont actually owe
Product: Vehicle loan or lease

I paid off the car XX/XX/XXXX. I was told XX/XX/XXXX that they would send the title. I confirmed it's fully paid off. I got home from a trip the XXXX, not there. I called, they said it was sent. I got home from a music festival the XXXX, not there. I was told go to the clerks office and get a duplicate title. I go the XXXX to the clerks office, it's still showing the lien. I move on the XXXX. I called to get an email with the VIN. The person who can do that is out until Monday and nobody will send the email. They won't give me a copy in person. Its my car. I own it. This is a class C misdemeanor apparently in Tennessee. I have to have it the XXXX and they've been nothing but rude. I've had to take work off to do this.