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

I have been a victim of identity theft for several years. I have at least XXXX correspondences from companies that my personal information was compromised from. There have been several accounts, address, phones number and personal statements added to my credit profile. I have tried for the past 18 months, contacting the credit reporting agencies ( XXXX, XXXX and transunion ). Some items are being removed, but later reappearing. A lot of the issues still have not be removed. This has been an extremely frustrating situation. As a mother of XXXX, fighting XXXX, surviving XXXX XXXX in the XXXX  with XXXX, to have to spend so much time defending my integrity after being a victim. This has become disheartening and disappointing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) Due to inadequate customer serviceand u fair practices, which violates which violates the Consumer Financial Protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and u protected. Furthermore their dispute resolution process was unfair and deceptively as the did not comply with error resolution requirements under the ElectronicFunds Transfer Act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss, and I seek the appropriate redress for these violations
Product: Debt collection

Over time of Trying to communicate with IQ data international, the way they speak to a person on the phone is very very rude and distasteful. They blame you and make you feel bad for why you even have a debt with them in the first place. Now with covid and its variants things have changed drastically, less hours at work, deaths in the family and with this inaccurate information once the account was closed and sold. I can not get cooperation from this colony whatsoever. Im trying to find a new home for my family but trying to resolve this debt is in the way. And I dont know who to communicate with other than them because they hurt your feelings, make you feel bad, theyre rude as XXXX and they make you cry over the phone. Its heartbreaking, Im just trying to cover what debts I can in this pandemic. I cant get anything extra because of a balance Ive already figured out and had settled 2 years ago. Please help Im desperate. I need a way to feed myself and my family.
Product: Credit reporting or other personal consumer reports

Experian had failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed 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. 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you today due to the lack of concern with XXXX, XXXX and Equifax. I have been disputing collections and derogatory items from my credit report for several months now. I have also disputed many through the actual creditor or collection agency. I have never really checked my credit until there was a breach at a store I normally shop at. That cause me to start checking my credit report. I have saw that I had many items that I have no known knowledge of. I have been a victim of identity theft in the past, and I also had to file bankruptcy because of it. I come to your company today to see if I can get some further help with the bureaus. I have asked for documentation, an original contract, people they talked to and confirmed these accounts with and received nothing. I have contacted the collection agencies and some of them don't even have any information to give but still report on my credit report. What I hope to get out of this is either some type of proof or documentation stating that the accounts are mine and I gave some type of permission for these accounts to be opened in my name. The companies listed below all show on all 3 bureaus. Please help. 

XXXX XXXX -XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$300.00} XXXX   XXXX {$300.00}
Product: Student loan

On XXXX XXXX, I started my continued education at XXXX XXXX XXXX XXXX at XXXX XXXXXXXX XXXX, NY. I'm currently in the XXXX XXXX in XXXX XXXX. All my requests for student loans were accepted. The problem I have with the XXXX XXXX XXXX is that they refuse to give me the funds from my student account to have my apartment wired for Internet service. I received a quote from an agency that was for {$170.00} to install the wiring needed for the internet service. I told the XXXX XXXX XXXX XXXX campus that I need this money from my student account and was instead directed to the job placement office. I'm totally confused about my student loans about why they were sent to the School in the first place. I don't receive any statements for how much money is in my student account. So far the XXXX XXXX XXXX XXXX has sent me textbooks with missing chapters and books that I didn't need for some classes. These textbooks are not cheap. I found out that the College is for profit. I'm an A and B student and I'm doing very well, with the exception that I have to go to the neighborhood library to do all my assignments. This shouldn't be as I have more than enough in my account that the College should authorize the money needed for the internet service to be installed in my apartment. After installation the cost is {$40.00} a month. The College loan officer said all money not used is going to be sent back to the agency lender. I find this to be a way of not letting me graduate. I feel like I'm being discriminated against because of my age, XXXX XXXX XXXX. This is my second complaint about the same thing. XXXX XXXX XXXX XXXX is holding my student loans for the purpose of collecting interest from my loan. I continually receive emails about attending tutoring. Why would I attend tutoring if I have a grade point average of XXXX. I find them continually trying to get me to do things that I don't need to do just so they can take money out of my student account that I have been denied for taking out of MY STUDENT LOANS FOR THE PURPOSE OF WIRING MY APARTMENT FOR INTERNET SERVICE. When I filled out the paperwork for XXXX XXXX XXXX XXXX, I was told that I would be set up for SUCCESS. I explained to the recruiter that I didn't have internet service or the money to have it installed and I was assured that the loans would be there to help with that. I have a nephew who is attending college and in his first month received {$7000.00} to help with the cost of his education. WHY WOULD THIS NOT APPLY TO ME????
Product: Credit reporting or other personal consumer reports

This letter serves as my formal and final written request to remove the following accounts from my credit report, effective immediately. The accounts listed below have not been verified in accordance with the Fair Credit Reporting Act (FCRA). Despite previous attempts to obtain proper verification, you have failed to provide me with any original documentation as required under: Section 609(a)(1)(A): A consumer contract bearing my signature.  Section 611(a)(1)(A): Proof of an investigation and verification of the disputed information.Additionally, under Section 611(5)(A), the FCRA explicitly requires you to promptly delete all information that cannot be verified. This failure to comply violates my rights under the FCRA, and I consider this negligent noncompliance. As such, I am prepared to pursue litigation under Section 617 to enforce my rights.I demand the immediate deletion of the following accounts: 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXunverified) Failure to comply with this request and provide me with adequate verification will leave me no choice but to pursue legal action against the credit bureau and the CFPB for failure to follow federal guidelines. I am a litigious consumer, and I will not hesitate to file suit to ensure my rights are upheld.I request your immediate attention to this matter and expect a written confirmation of the removal of these accounts within 15 days of receiving this letter.
Product: Student loan

I responded Yes ( put my loan in forbearance ) to Nelnet 's automatic text message system when I missed my payment date.

I have had friends do this and they told me that is all they had to do so I assumed I was okay.

Approximately 90 days later, I get a credit monitoring alert on my credit card saying I had a multiple accounts being reported 90+ days late. Come to find out, it was Nelnet not claiming I was in forbearance. I immediately put my loan in forbearance to prevent any more negative action.

Nelnet claims I did not do this. I have no record of this text message. I tried to obtain it from XXXX but too much time had passed.

I do not understand this logic. I had and still have plenty of forbearance time left, why would I not put my loan in forbearance if I had time left??

All I can do is continue to file report after report, I can no longer afford to have this on my credit profile.
Product: Debt collection

I have mailed and sent TransUnion copies of the court dismissal paperwork of the debt I supposedly owed to XXXX XXXX. The paperwork clearly states the companies name, XXXX XXXX and the words dismissed without prejudice to ( Me ) XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Month of XX/XX/2022 disputed bankruptcy case and was not given proper investigative report in regards to the proper procedure of investigation in the decision making of verification and who reported bankruptcy was just told the court reported, After a written lettter to the United States Bankruptcy court XXXX XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX XXXX U.S. Bankruptcy Court in which I requested information regarding the court process or procedure for reporting information to credit agencies. I was made aware by XXXX XXXX XXXX. That the court for the XXXX XXXX of Wisconsin does not report to any credit agencies.
Product: Debt collection

Wells Fargo Dealership Services ( whom I owe a debt to on a loan for my truck, and they communicated with my wife at our home # in which she told them I WAS OUT OF WORK and had no job ) ... .called : 1 ) My Home 2 ) My Cell # 3 ) The Dealership where i bought the truck 4 ) My ex-employer 5 ) My wife 's cell phone 6 ) My wife at her place of work 7 ) My wife 's mother who lives in another Town 8 ) My father who lives in another city ... ... ... ... .. 
... .and therefore told each and every entity listed that they were trying to COLLECT A DEBT from ME, and this is HARASSMENT!!! Either something had better be done about these practices, or I 'm going to file a lawsuit for harassment and defamation!!!!!!
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & XXXX XXXX v XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions
Product: Debt collection

I learned that I had a debt of XXXX dollars and XXXX cents. I'm not sure where this debt has come from. I've attempted to find out where exactly this debt comes from with no luck using XXXX XXXX. Additionally I was able to learn that the credit agency that holds this debt is from an agency called : EOS CCA located in XXXX Mass. I contacted the number but was unable to speak with anyone.
Product: Credit reporting or other personal consumer reports

This account appears on my credit report and does not belong to me. I would like supporting documentation showing that this account belongs to me or I want this removed right away. I have not received any cooperation with this company in assisting with either request.
Product: Debt collection

Regarding erroneous item Carecredit/XXXX XXXX_acct XXXX reported by XXXX XXXX  to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. XXXX XXXX is reporting this account as " Collection '' when they have not legitimate claim, and has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. Synchrony refers to " Care Credit '', which is a debt that was satisfied two years ago, assumes they are one and the same accounts. Synchrony has most recently communicated that they have terminated collection efforts on the account, but will continue to report activity on it, which they have not right or claim to do. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. XXXX XXXX  has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.
Product: Checking or savings account

AFFIDAVIT OF TRUT H 1 > b ank of america has NEVER responded with a timely valid response   2 > bank of america continues to commit felony crimes 3 > bank of america makes contradictions on their response 4 > bank of america makes threats on their recent response 5 > bank of america fails to show a valid lifetime contract with me 6 > bank of america fails to show VALIDITY of ALLEGED debt after over 10 complaints!!!!!
7 > bank of america is using fictitious names numerous times with is a FELONY and a 1,000,000 fine and up to 15 years imprisonment 8 > bank of america sends me a statement, a statement is not a TRUE BILL!!!! buy a dictionary!!!
9 > to this d  ay  XXXX   XXXX    XXXX  , bank of america can not VALIDATE an alleged debt and commits further crimes and CAN NOT AND WILL NOT RESPOND!!!    10 >  bank of america makes presumptions, and sends me their rules and regulations, I didnt sign it,, and the account has been closed for over 7 years now, and they still try to use methods of threats and extortion to obtain money of an alleged debt!!! clearly criminal activity, show me tangible evidence of a  LIFETIME CONTRACT!!! they cant do that either, they can not respond wit h any validity ON ANYTHING, so as the law states ; silence is acqueecence silence is fraud silence is GUILT!!!     Now I must demand their bonding company and or insurance liability   carrier to file a lawful CLAIM FOR DAMAGES!!!
NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and i  s punishable by up to 15 years imprisonment and {>= $1,000,000} fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, I have been having an issue with the 3 credit bureaus reporting fraudulent information on my credit profile regarding XXXX XXXX XXXX I have called and sent in several letters with no resolution. I have asked several times for proof of the account listed on my profile. I have needed specified information and these companies are not able to provide. They only respond with letters stating the account is verified. 

I have asked for supporting documents and also how was the method of verification completed. Seeked out signatures, payment history, billing statements, etc. 

I have called on XX/XX/XXXX to Equifax and XXXX. 
XX/XX/XXXX XXXX. XX/XX/XXXX to all three bureaus XX/XX/XXXX and XXXX to XXXX. 

Certified letters has been sent to each bureaus as well XX/XX/XXXX, XX/XX/XXXX, and latest letter XX/XX/XXXX. 

I have received written response form XXXX  and Equifax. The letters in response just states the accounts have been verified but no evidence of that. XXXX has no sent any responding letters. Only updated info online stating accounts accurate. 

I will attach screenshots of the account being listed showing inconsistent reporting and date opened date. Also different account numbers. Please reach out of any other is needed.
Product: Debt collection

I reached out to the company Midland funding after they took my tax refund. I didnt know about a debt I owed then after looking into it found that its not mine, I disclosed this to them numerous times since 2015 and still they have now decided to put negative marks on my credit report along with taking money they are not owed. But now that the debt is paid they still wont remove this off my report and wont tell me who it came from or what its from
Product: Checking or savings account

Hi, this is Regarding a US Bank summer promotion that gives a {$200.00} bonus after doing 2 bill pays of more than {$25.00}. I have yet to receive the bonus after multiple contacts with US bank, here 's a timeline. ( The bonus is maximum 60 days to be dispersed out ) 1. Opened account on XXXX/XXXX/XXXX, shortly after met the requirements of 2 bill pays. 

2. Emailed US Bank on XXXX/XXXX/XXXX regarding when I would be receiving my bonus. Was told thanks, I met the requirements, and that I would receive it no later than XXXX/XXXX/XXXX. 

3. XXXX/XXXX/XXXX still no bonus, emailed US bank they said I have to wait 7-10 more days and are going to " investigate. '' Unfair and unacceptable.
Product: Credit card

My complaint is against Discover Card. Fraudulent charges appeared on my account, and were then credited. Discover operatives stated they were indeed fraud, and I would not be responsible. After lengthy oral and written communication, the balance was respectively brought to XXXX/ {$6.00} cents. Subsequently, The false charges were added back with an increase amount. Representatives of the company were abusive, hostile, and in violation of the fair credit billing and fair credit reporting act respectively. They were sent the requested information but still remain uncompliant and stated they will ruin my credit if false charges are not paid. I 'm deeply disturbed, as a previously valued customer there was very mutual respect. The account was always used properly, responsively, and promptly paid. I respectfully ask your assistance.
Product: Money transfers

A vehicle was advertised on XXXX, supposedly by a XXXX XXXX XXXX, XXXX. The purchase was to be made following receipt of an " XXXX '' invoice and deposit of cash into a REloadit Safe account. The vehicle would then be shipped by the " XXXX XXXX '' at XXXX XXXX MD. There was supposedly a seven day trial period upon arrival of the vehicle. Communications between the potential buyer and the impostor were by internet text and email. Research indicated a cyber crime scan.
Product: Bank account or service

My checking account had a positive balance on {$15.00} but I was charged a NSF Fee.
Product: Credit card

This is regarding ongoing federal violations of my privacy rights and applicable federal laws related to the sharing of my personal information without consent. 

SELF FINANCIAL INC. continues to furnish consumer reporting agencies with my personal information, financial transactions, and credit experience data without my permission. This is in direct violation of my express revocation of any implied or verbal consent that may have previously been in place. 

By furnishing my social security number and other personal data without consent, SELF FINANCIAL INC is committing identity theft pursuant to 5 U.S. Code 552a ( b ), which states : " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. '' ALSO, By SELF FINANCIAL INC. furnishing my data after revocation of consent, they are in violation of : Privacy Act of 1974 ( codified in 5 U.S. Code 552a ) which prohibits disclosure of any record contained in a system of records about an individual without the written request or consent of that individual. You are violating this law by disclosing records containing my personal financial information to credit bureaus without my written consent. 
Fair Credit Reporting Act Section 6802 which requires financial institutions to provide consumers with a notice explaining their right to opt-out of personal information being shared with unaffiliated third parties. I never received any such opt-out notice from your company before you shared my data. 
Fair Credit Reporting Act Section 6803 which mandates financial institutions must give advance notice and an opportunity to opt-out before disclosing personal information to a nonaffiliated third party. You failed to provide me any such advance notice or chance to opt-out before furnishing my data. 
Fair Credit Reporting Act Section 6804 which gives consumers the right to direct that their personal financial information not be disclosed to a nonaffiliated third party. By never providing me an opt-out method yet still disclosing my information, you have violated my rights under this provision. 
12 CFR 1016.7 which requires financial institutions to provide notice of the right to opt-out of personal information sharing and a reasonable means to exercise that right before disclosing data to a nonaffiliated third party. You did not provide me either such notice or opt-out method. 

I attached SELF FINANCIAL INC 's card holder agreement, no where does it provide an opportunity to opt-out of any sharing of my information at the initial sign up with their offer, nor was one provided on a monthly basis as required by law before sharing my data with consumer agencies.