23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Between the years of XX/XX/XXXXand XX/XX/XXXX I was going to two different XXXX colleges at the time I was going it was XXXX college, my understanding the school I was going to shut down due it was a nation wide shut down. Recently I have called the department of education who informed me I needed to called my loan officer which is action Financial Services which I did and they informed me that my taxes wouldnt get taken because my information wasnt sent to collections, she was u able to pull my account up by my social, and she also reiterated that being that I dont have an account with the collection agency that my taxes wouldnt be taken. I also never received a letter 65 days prior to stating that they would take my tax refund as it states that it should do. On this past Friday I called to find out my taxes were taken the full amount when I called my loan officer she informed that the website updates daily so just cause I dont have an account one day dont mean I wont have one the next. Im not understanding how that exactly works and how is a person supposed to know that they taxes will get taken without calling everyday. I was told I have to fill out I formation like a hardship form and a few other forms. I was given wrong information or not the full information and due to the school closing down and I never graduated from them I am asking for a full refund of my tax return.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$590.00} with EASTERN ACCOUNT SYSTEM INC ... .. Account Number XXXX I do not have a contract with EASTERN ACCOUNT SYSTEM INC , they did not provide me with the original contract as i requested with my signature and ID verification. 




EASTERN ACCOUNT SYSTEM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Dear EASTERN ACCOUNT SYSYTEM INC, Re : XXXX XXXX XXXX I am continually being called on the telephone by your firm over this alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. 

I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you stop contacting us on the telephone and restrict your contact with us to writing, and only when you can provide adequate validation of this alleged debt. 

To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation : Complete payment history, the requirement of which has been established via XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX  XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Intimate knowledge of the creation of the debt by you, the collection agency. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 

I look forward to an uneventful resolution of this matter. 

Thank you for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/year>, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i have file number of dispute that an Account Number : XXXX was open in my name by Ex wife or someone else ... the address where the account was open is not list on my credite report nor i have live there the email address on file is wrong also ..I have place a fraud alert on my credit report and contact Discover over and over about this account .Yet again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation : Accounts to be removed XXXX XXXX  these accounts were fraudulently opened i was also threatened by the criminals to do certain things I did not want too. Please remove the XXXX XXXX accounts from my report immediately. the fbi was contacted and police report filed. Experian, XXXX and XXXX are hindering my credit the accounts numbers do not match, date opened, payment amounts, there are a lot of discrepencies. 

Please remove Accounts ending in XXXX and XXXX from my credit reports immediately, I was threatened and had to make certain payments and do certain things i did not want to do on the account. please have these accounts removed from my credit.
Product: Debt collection

To : DEPT OF EDUCATION/NELNET I, XXXX XXXX , a consumer, am notifying you that I dispute this alleged debt under 15 USC 1692g . I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.

Since this debt is disputed under the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

You are in noncompliance with the Privacy of the Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information with nonaffiliated third parties and not providing me a notice that complies with section 6803 and allowing me to opt out under 15 USC 6802.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. 
IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 

THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Product: Credit reporting or other personal consumer reports

Complaint Summary : Failure to Block Fraudulent Information as Required by FCRA Section 605B Complaint Details : I submitted an identity theft report to Equifax, requesting that they block the fraudulent information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX. This section requires credit bureaus to block the disputed information within XXXX business days of receiving an identity theft report while they conduct their investigation. 

However, instead of following the required procedure, Equifax treated my submission as a standard dispute and initiated a 30-dXXXX investigation process. They failed to block the fraudulent inquiries from my report within the four-day window, as mandated by law. 

I believe that the fraudulent inquiries remaining on my credit report may be linked to the XXXX Equifax data breach, which exposed the personal information of millions of consumers, including myself. As you are aware, in XX/XX/year>, Equifax experienced a significant data breach that compromised sensitive information such as Social Security numbers, birthdates, and other personal data. 
As a result of these unauthorized inquiries not being blocked from my credit history, I have suffered financial harm, including denied credit applications, higher interest rates, and missed financial opportunities. I am requesting that the CFPB ensure Equifax complies with FCRA Section 605B by blocking the fraudulent information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I observed a few hard Inquiries I didn't approve 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Inquiries are below XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello and good day, you are in violation of my right to privacy, I never gave permission for this information to be reported on my credit report and you are obviously breaching it which is really insulting and a defamation of my character. This is hurting my credit score and impacting my life negatively as my new credit applications are being denied due to your errors and negligence, I just want to note that this has already been deleted by both XXXX and XXXX with the reasons mentioned and have been blocked from reporting.
Product: Checking or savings account

On XX/XX/XXXX a 3rd party company that handles the direct deposit for the company I sub contract for deposited XXXX into my business account under a fictitious name that I did not have registered with the bank. I produced the documents from the state of Pennsylvania that proved the fictitious name belonged to me and the company on the bank. The still refused to release the funds. They also refused to send the funds back to payer instead they closed my bank account and are send funds to a suspension account then followed by that will put the funds into unclaimed money. I asked where the unclaimed money would be is through the state and they said they don't know where it goes. And would not provide me the information. If the funds were sent to a name not on the account that wasn't added during sign up they should send back the funds, not keep them so they can collect the interest. The funds aren't theirs. They're committing theft to gain profit. Funds were sent to XXXX XXXX instead of XXXX XXXX XXXX. I repeatedly was told once I can produce the fictitious name paperwork from the state I will have funds released, once submitted they refused.
Product: Credit card or prepaid card

I have been reviewing and monitoring my credit report and Capital One and XXXX, XXXX and XXXX still has n't deleted permanently the negatives and charged off wordings with on my credit reports. On XXXX XXXX,2016 a Bankruptcy Chapter XXXX was filed and XXXX by Federal Judge on XXXX XXXX,2016 in XXXX, Texas Federal Court and Capital One Credit cards ending # XXXX and XXXX and any Capital One credit cards negative wordings on my credit reports should be deleted immediately. Under the Federal Fair Credit Reporting Act,15 U.S.C & 1681 ( FCRA is a legislation enacted to promote the accuracy.fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and use my name and social security with out my consent. Got numerous credit cards in my name and mess my credit up and scores. I would like to get this fix its not fair to me someone using my name identity theft and I m held responsible for it as well.its a lot of credit cards from XXXX XXXX its like 7 cards and a student loan thats not suppose to be on there. I want it off
Product: Debt collection

On XXXX XXXX and XXXX XXXX I sent letters to Gm Financial asking for copy 's of documentation related to the deficiency they claim I owe on a repossession. I never received the legal documentation that i requested so I sent a second letter requesting the same documentation. Their reply for the first and second letter was the same. They sent me a copy of a contract and a copy of a billing statement on both occasions. They also sent me two other letters which are included in my uploads. Under the laws of 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.They are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. I have never received any of these legal notices and documents. On the account payment history that they sent me it states that this account was charged off in XXXX.I did not receive this in XXXX and I still have not received them in XXXX even after 2 written request.
Product: Mortgage

PNC Bank allowed a fraudulent withdrawn from my Heloc for approximately XXXXXXXX XXXX XXXX I alerted them that an unauthorized account had established a online link to the account. 

I spent XXXX XXXX hours on the phone XXXX PNC to let them know the account was not authorized, then a week later they allowed them to withdraw the money. 

Now PNC wants me to make payments on the XXXX XXXX loan! 

PNC needs to pause any and all required payments now and then redeposit the funds.
Product: Credit reporting or other personal consumer reports

in XXXX of 2023 i made a lease payment to XXXX XXXX XXXX which was returned unpaid as i used the wrong stored account. XXXX  decided to block me from the web portal leaving me unable to look at my account. they also decided to put me on paperless billing without my consent leaving me with no account information what so ever. after calling infiniti i was told i had to make my payments threw customer service but i could still use my checking account which makes little sense if the reason im blocked from the portal was due to a returned payment via checking account. i quickly learned i would now pay XXXX for every payment i make as there is a few for paying threw customer service this fee is not waved if you are blocked from there portal. i call infiniti on XXXX XXXX 2023 as i get a notice of a 30 day past due from XXXX XXXX from XXXX XXXXXXXX XXXX i aske why i was not mailed as billing statement or even a email my account is late the agent is only concerned with me making my payment which i go ahead and do after which i start to ask questions on how im suppose to be able to look at my account and know due dates and payoff info or anything. she says i should be keeping up with my due dates and they have called me everyday for two weeks which i argue against as i had no calls from infiniti in my call logs so she says it could show as spam and i should have answered the spam calls so i tell her i dont answer spam calls as its spam and they should come up as XXXX XXXX XXXX not spam this could have avoided me paying late and resolved this issue without me filing a complaint. the bottom line blocking me from the portal and not sending me statements has left me blind to my account activity and should be illegal this policy should be changed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for reporting inaccurate and inconsistent information regarding the XXXX XXXX account ( partial account number : XXXX ) in my credit report. TransUnions reporting violates the Fair Credit Reporting Act ( FCRA ), as detailed below : Inaccuracies and Issues Identified 1. Date Opened : TransUnion lists the account opening date as XX/XX/year>, which does not align with the information reported by other credit bureaus. 

2. Payment Status : The payment status is listed as " Unknown '', which fails to provide clarity about the accounts actual condition. 

3. Payment History : The recent payment history has blank spaces, indicating missing or incomplete data. 

4. Failure to Maintain Accuracy : TransUnion has not implemented reasonable procedures to ensure the accuracy of this information, as required under Section 607 ( b ) of the FCRA. 

FCRA Violations 1. Section 607 ( b ) : TransUnion is required to use reasonable procedures to ensure maximum possible accuracy in its reporting. 

2. Section 609 ( a ) ( 1 ) : Consumers have the right to accurate and verifiable information. The ambiguous and incomplete data on this account violates this provision. 

3. Section 611 : If previously disputed, TransUnion has not adequately investigated or corrected the errors within the required 30-day timeframe.
Product: Credit reporting or other personal consumer reports

The vehicle was damaged and towed due to auto collision. The company repossessed the vehicle from a tow lot and sold it. The wrote the vehicle off and got credit but never sent XXXX. In addition I had the vehicle 6 months and paid a total of XXXX at the time of repossion. The total price for the vehicle was {$23000.00} the company carried insurance to cover damages as well. They are reporting the balance as XXXX although they have been paid several times.
Product: Debt collection

I received the attached debt collection letter from the local law firm of XXXX XXXX XXXX XXXX XXXX, falsely claiming that I had an account with FIA Card Services and owed them {$12000.00}. The letter asked for a response before XX/XX/XXXX and also pointed me to the CFPB website to learn what my rights are. 

I will send a letter to this law firm denying their false claims, but first wanted to file this complaint after reviewing what the CFPB can do, because I am concerned with the age of this fake debt ( 14 years ) and that it is being pursued anew. I am glad I kept records of the difficulty I have had over the years relative to clearing serious identity theft. 

Attached are police reports affirming that I was indeed the victm of identity theft on multiple occasions over 20 years ago. I continually had to fight new charges or new accounts that would pop up and did not belong to me. In early XXXX, I worked with a reconciliation representative of Bank of America ( B of A ) to go through XXXX accounts to determine what was my debt and what was the additional debt caused by identity theft. We came to an agreement of XXXX different amounts and I authorized B of A to deduct those funds from my bank account. They sent me XXXX confirmation letters stating nothing further was owed, also attached. 

But a third B of A account also appeared in XXXX. They alleged I had their " World Points '' credit card ending in # XXXX ( see statement sent to me ). None of the $ XXXX owed was my debt. I never travelled at the time and received no financial benefit from this travel card. I contacted the same reconciliation department who determined that B of A could provide me no written proof that I had ever personally applied for their " World Points '' promotion. Therefore, B of A was not authorized to deduct funds for this debt. 

It appears FIA Card Services bought the old XXXX Bank of America credit card account ending in # XXXX, and hired the XXXX law firm to falsely claim the debt was originated from them. Again, I have never had a FIA credit card and am disputing I owe them any money whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never closed my account with XXXX XXXX I told them to stop sending me catalogs and pre credit limits. They send it then I can't use it. I never closed any accountd
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Failure to Process Reinvestigation Request Dear Sir/Madam, I am writing to formally lodge a complaint against Experian for their failure to process my reinvestigation request in a timely manner, which has resulted in the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XXXX XXXX XXXX, I submitted a reinvestigation request to Experian regarding inaccuracies on my credit report. Despite my efforts to resolve this matter, I have not received a response or any updates on the status of my request. The timeline of my actions and lack of response from Experian is as follows : XXXX. XX/XX/XXXX : I sent my initial reinvestigation request via certified mail, including all necessary documentation to support my claim. 
XXXX. XX/XX/XXXX : Having received no response, I sent a follow-up letter to Experian, XXXX via certified mail, reiterating my request for a reinvestigation and expressing my concerns about the lack of communication. 
XXXX. XX/XX/XXXX : With still no response, I attempted to contact Experian by phone. I was unable to reach a representative and left a detailed voicemail requesting a status update. 
XXXX. XX/XX/XXXX : I sent a final written request via certified mail, demanding immediate action on my reinvestigation request and warning of my intention to file a complaint with the Consumer Financial Protection Bureau if no action was taken. 

As of today 's date, XX/XX/XXXX, I have not received any response or update from Experian. This lack of action has severely impacted my ability to secure credit and has caused significant stress and inconvenience. 

The Fair Credit Reporting Act mandates that credit reporting agencies must investigate disputes within 30 days of receipt. The failure of Experian to process my request within this legally required timeframe is a clear violation of my rights as a consumer.