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

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was notified by the credit bureaus that several medical bills were added to my credit file. I did not give written consent for this. My XXXX rights have been violated as I know that I was being seen for mental health issues due to XXXX pandemic, I had insurance and now I am being violated and my personal health information isn't secure. I have already tried to advise the burueas of being a previous victim of identify theft and this needed to be resolved as I have been made aware this is legally my right. The following laws have been violated Privacy Act of 1974, as amended, 5 U.S.C. 552a, 1681. Congressional findings and statement of purpose, The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692. 
The Hospital facility that violated my rights are and the agencies they sold my XXXX to are : 1. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX ) XXXX. ) There are six ( 6 ) different accounts all with the same name and collection agency but all different dates and amounts on all three ( XXXX ) credit bureaus. This is higly alarming and completely inaccurate in additional to a huge violation of my XXXX rights. XXXX XXXX XXXX and the agency they sold it to is XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX ) XXXX. ) XXXX XXXX and the agency they sold it to is XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, ACCOUNT # XXXX WAS PREVIOUSLY DISPUTED VIA CERTIFIED MAIL AND SENT TO YOUR AGENCY. A RESPONSE OF " Account previously in dispute - investigation complete, reported by data furnisher '' AND " Account previously in dispute - Now resolved by data furnisher '' AND " Dispute resolved; reported by grantor '' WAS PROVIDED 30 DAYS AFTER THE DISPUTE. BUT IT IS TO MY UNDERSTANDING THAT THIS ACCOUNT IS STILL INACCURATE AND REPORTING DIFFERENT INFORMATION ON ALL THREE CREDIT BUREAUS. INSTEAD OF ASKING FOR A REINVESTIGATION, I AM REQUESTING FOR THE DELETION OF THIS ACCOUNT DUE TO THE UNLAWFUL MISTAKES BY THE XXXX CREDIT AGENCY. 



XXXX. XXXX, ACCOUNT # XXXX WAS PREVIOUSLY DISPUTED VIA CERTIFIED MAIL AND SENT TO YOUR AGENCY. A RESPONSE OF " Account previously in dispute - investigation complete, reported by data furnisher '' AND " Account previously in dispute - Now resolved by data furnisher '' AND " Dispute resolved; reported by grantor '' WAS PROVIDED 30 DAYS AFTER THE DISPUTE. BUT IT IS TO MY UNDERSTANDING THAT THIS ACCOUNT IS STILL INACCURATE AND REPORTING DIFFERENT INFORMATION ON ALL THREE CREDIT BUREAUS. INSTEAD OF ASKING FOR A REINVESTIGATION, I AM REQUESTING FOR THE DELETION OF THIS ACCOUNT DUE TO THE UNLAWFUL MISTAKES BY THE XXXX CREDIT AGENCY. 



15 U.S. Code 1681e - COMPLIANCE PROCEDURES ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Consumer Loan

XXXX XXXX I bought a car from XXXX XXXX XXXX, CA. Iwas a co-signer on a friends car and they let me purchase a cacar but I had to have that friend to co-sign for me and he wasretired. The interest rate was 23 or 24 % I took the car backnext day and told them I did n't want to purchase the car andthey would n't take it back or give me the down payment backCapital One financed the car I called and they told me theycould n't do anything about it. I have struggled to keep payingthe note. I had XXXX years pay off the car XXXX for aXX/XX/XXXX XXXX I just had to file chapter XXXX I did n't know whatto do Capital One could n't refinance the and no one elsewould neither. I already had bad credit and now it 's worseI just filed chapter XXXX in XXXX XXXX I feel like they should besending me the pink slip to the car in XXXX the car soldnew for XXXX. I have to surrender the car now theyshould be a shame of themselves to do people like thatI got played but I prayed for the enemy and now I 'm movingon.
Product: Checking or savings account

I have contacted credit karma several times regarding the issue with the savings account. 
I have seemed assistant to transfer my savings money to the credit karma spending account in order to access my money. 
I have followed the instructions several times but the website does not have the information on the site that the company continues to direct me to do. It states I have to request an internal transfer by using quick options on the phone screen for money however there is no such options that display in their web site. 
I tried on my phone app as well as I tried on several PC s too but it does not provide such options. I have been trying to resolve with the company since XX/XX/XXXX. I was hung up on by the customer service rep when I asked for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to this company 's last response to my last complaint. I have went back and forth with this company for some time now about this debt. A BILL is not adequate validation for a debt, period. Yet, a BILL is all that this company can produce when they are asked to provide validation. This account should NOT be on my credit report without proper validation. I have offered to settle this unrecognized debt with this company a few different times and got no response. I will pay half of this unrecognized debt if this company agrees to remove it from my credit report in return, as I am only offering to do that in good favor of us both. I am unaware of this debt and have no validation it is mine. If this company can not produce a copy of my signature showing that I am bonded to some kind of contract with them, then this account should be deleted from my credit report immediately. This company will NOT be receiving any kind of payment from me if they do not agree to delete the account from my credit report in return, so they should consider selling it back to the original company, because I DO NOT OWE THIS COMPANY ANYTHING and I HAVE NO CONTRACT WITH THIS COMPANY. This is not an acknowledgement of liability or any kind of admittance for this debt in any way. JH Portfolio Debt Equities and I have been going back and forth on this issue for a while now and I am sure we can both agree that it would be nice to come to some kind of agreement. If not, then JH Portfolio Debt Equities needs to sell my debt back to the original company.
Product: Checking or savings account

Regions Bank is allowing ACH debits to run my checking account to negative balances despite my refusal to have my account overdraft and would debit my account first and then post my electronic ACH deposits secondly in order to create more overdraft fees. I have specifically disabled overdraft protection on this account and this has resulted in NSF fees on several drafts the past 4 plus weeks starting on or around XX/XX/2018 running through appears to be well over {$220.00} or approximately 7 separate NSF charges on my account of {$36.00}. This is unfair and dishonest banking and I have contacted my local branch manager XXXX XXXX and she refused to help me.
Product: Checking or savings account

I went into the Credit Union wanting to open a new checking account, until I was told I couldn't due to fraud alert. being placed on my name from Bank Of America from an old account in 2015. I never opened an account. I no longer resided at the address that was on the account. I was tryna get assistance on how to get these accounts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2022 Company : Equifax On XX/XX/2022 from the hours of XXXX est to about XXXX I was On the phone with employees of Equifax seeking information as to why my credit score and items on my credit report were different every time they were checked, from accounts showing balances that were paid off 30-60 days prior to applying for loans and or requesting credit reports. Asking to speak to a supervisor ( who denied my request for his name ) I was met with attitude and given short snappy responses as I tried to seek a better understanding as to why my credit report/score with only Equifax is never in line with what the physical copies of my report or what my banking institutions sees as I try to apply for an auto loan. 

I was left on hold for 40 minutes and counting only to be met with the two question survey about my experience with the Equifax employee today. 

I would like to have my credit scores updated as I have worked hard to improve my credit and XXXX
Product: Credit reporting

I have dispute a civil judgement XXXX times with transunion letting them know that this was discharged through bankruptcy in XX/XX/XXXX. They sent me a updated report showing the new informations that it was discharged then on XX/XX/XXXX I recieved a new report saying that the civil judgment was reinstated and I don ' know why. I need them to correct my report to show this debt was discharged through bankruptcy. from what I have been reading I think they are violating the law.
Product: Student loan

Issue : I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. 



Mohela is denying my PSLF application due to my employer not answering questions XXXX in Section XXXX confirming the organization type. The applicable questions in Section XXXX questions XXXX were completed on the application that was sent to Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for this item. 
FIRST XXXX BANK XXXX Balance {$800.00}
Product: Student loan

Back in XXXX - XXXX XXXX would receive over payments or extra payments from me. They would only apply to interest going forward not to principal as required for simple interest loans. I refinanced my loan with XXXX and I thought they would solve this issue but my loan is still with XXXX. I still have never received credit from past interest charges. If these payments would of been correctly credited to principal as required my load XXXX be already paid off, as I have been paying on this loan for more than 20 years!
Product: Debt collection

I have requested validation from this company on several occasions and have not received nothing but a bill with no itemized statements. company is adding monthly interest charges to the invalidated debt amount. Company is claiming I owe for an apartment but has not supplied the apartment lease bearing my signature or contract. Majority of the charges are for damages but no description or details of said damages that could belong to anyone. whenever i file complaint complaint responds to complaint stating they mailed out validation but only submitted list of debt with no contract/ lease which is attached to this complaint. company is illegally charging interest, damages that do not belong to me and holding my credit report hostage for an apartment they have not supplied a lease with my signature for. I have tried working with company and they are putting fraudulent charges on my credit report, not following the guidelines of the FCRA nor the texas tenant rights. as stated below company needs to give description of damages which the attached documents do not show any description of damages. company is also charging reletting fee, unpaid months of rent beyond the said 3months that were left on the lease contract which is against tenants rights. 

Deductions for damages. Under Texas law, you must give the landlord a forwarding address in order to receive your returned security deposit. The landlord must return your deposit less any amount deducted for damages within 30 days. If the landlord withholds part or all of your deposit, they must give you an itemized list of deductions with a description of the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : USDOEXXXXI Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have multplie credit cards with Comenity bank for the 2 that I have balances with my XXXX XXXX XXXX and XXXX XXXX credit card I am just noticing I am being charged 2 different finance charges and they are both charged on the same day. But 2 different numbers. Going back for who knows how long. Why am I being charged two different times for finance charges? I have had these cards for YEARS. I never took out a cash interest. Only used them online. Never had late payments and I try to pay more when I can. But why are there double charges on the same day for interest? And they aren't the same number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my XXXX credit report and I notice that there are 8 unauthorized inquiries listed on my report. The only one that I am aware of and take responsibility in authorizing would be the XXXX inquiry made on XX/XX/2017 for a personal loan that I currently have with them. The other seven especially the inquiry from XXXX XXXX XXXX XXXX, I did not authorize. With XXXX XXXX XXXX XXXX they could not run my credit with my understanding due to me not having any identification to identify myself. I had forgotten my driver 's license and was refused service when I made them aware of having no ID on hand. XXXX customer service representative had no right to submit my application if it was not complete. XXXX XXXX, XXXX XXXX, and Informative Research are companies that I have never heard of nor would allow them to have access to my personal information such as my social security number to pull any information about me. I did not sign anything from the list of companies I just mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Equifax received two correspondences via certified mail ( USPS ), which contained a letter disputing unauthorized inquiries, copies of my driver 's license, veteran 's administration identification card, gas & electric statement, and social security card for validation. The letter brought to Equifax 's attention that they were reporting inaccurate information. I requested an investigation into how/why this happened and correct or delete the faulty items. 
Receipt # - XXXX - XXXX XX/XX/2022, I called Equifax 's Fraud Department. I was told my correspondences were received and attached to my account. I was then informed of Equifax 's company policy of not making corrections without an FTC letter accompanying the complaint. I was instructed to draft and fax a copy of an FTC to the number provided. I did as instructed a few days later. 

XX/XX/2022, I called Equifax Fraud Department to confirm the receipt of the FTC and the correction/deletion of the incorrect items. I was told that the items had been deleted as of XX/XX/XXXX. I thanked the representative and ended the call. 

XX/XX/2022, I called Equifax 's Fraud Department ( on a lawfully recorded line ) after checking my online Equifax report. I was furious and highly disheartened to discover none of the items had been corrected or deleted. The Representative told me that it was my responsibility to contact the furnishers of the inquiries and have them contact Equifax for them to take action. I held my ground and insisted that these inquiries be removed. I was placed on hold for XXXX to XXXX minutes. When the Representative returned to the line, he said it could take up to 30 days from now to complete the investigation. I said that was unacceptable ; this needed to be handled immediately. After a back-and-forth, he agreed to have the items removed XXXX hours. 

XX/XX/2022, I called Equifax 's Fraud Department ( on a lawfully recorded line ). Again, I explained my call and was told that Equifax 's policy prevented him from taking action despite what the laws dictated. He insisted that he could lose his job if he acted outside of Equifax 's policies. I informed him of my intent to file a CFPB complaint.
Product: Money transfer, virtual currency, or money service

I returned an item that I purchased from XXXX XXXX XXXX, online, in XXXX 2017. I mailed the item back via USPS using XXXX return lable. They claim to have furnished me a refund through PayPal. Paypal claims they never received a refund from XXXX, to post to my account. I’ve been waiting for  MY refund since XXXX 2017 and have received little to NO HELP from either companies.  WHERE IS MY REFUND!?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I was in the process of moving and I pulled my credit report and noticed that there are addresses on my report that I never lived at. I used to live in XXXX OH and now I am in XXXX XXXX XXXX XXXX XXXX OH XXXX. I would I like to have a full investigation. 
I read that the FCRA 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. I am not too sure how this all works but I am under a lot of stress I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal I complied on their verification system, sending documents and all but still my account got locked with my money on it telling me that I can't touch it for 180 days. My email linked to my PayPal is " XXXX ''
Product: Debt collection

Jefferson Capital System is reporting an alleged debt of {$320.00} to the credit bureaus. I formally disputed this debt and requested validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. They have failed to provide adequate validation, including proof of the original agreement, payment history, or documentation proving their legal right to collect.

Despite their failure to validate the debt, they continue to report this collection to the credit bureaus, which is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). This has caused harm to my credit profile.

I request the CFPB to : 1. Investigate this matter.

2. Order Jefferson Capital System to cease reporting this unverifiable debt.

3. Remove the account from all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

the findings of Equifax 's investigation to a previous Cfpb complaint # XXXX, I would like to dispute several points under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Truth in Lending Act ( TILA ). 

Under the FCRA, I have the right to dispute any inaccurate or incomplete information in my credit report. I maintain that there are inaccuracies in the report, specifically in the trade lines for XXXX XXXX XXXX XXXX and XXXX XXXX The modifications made to the fields such as balance, past due, high credit, actual payment, scheduled payment, date of last payment, term duration, historical account information, and account history do not reflect the true status of these accounts. I request that Equifax re-investigate these trade lines and provide me with the method of verification used to confirm the accuracy of these items. 

The GLBA requires financial institutions to explain their information-sharing practices to their customers and to safeguard sensitive data. I am concerned about the number of inquiries on my credit file, as I did not authorize all of them. I request that Equifax provide me with the names of the companies that made these inquiries and the reasons for them. If these inquiries were unauthorized, they should be removed from my credit file. 

Under the TILA, I have the right to receive clear and accurate information about my credit terms. The report states that the accounts with XXXX XXXX reporting paid as agreed, with no late payments. However, this is not consistent with my records. I request that Equifax provide me with a detailed account of the payment history for these trade lines. 

In addition, the report states that the disputed items with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX and XXXX are not currently reporting on the Equifax credit file. However, these items were part of my original dispute. I request that Equifax provide me with a clear explanation as to why these items are not reporting and what steps have been taken to investigate these disputes. 

In conclusion, I believe that Equifax 's investigation did not fully address my concerns. I request that Equifax conduct a thorough re-investigation of my dispute and provide me with a detailed explanation of their findings. I also request that Equifax comply with the FCRA, GLBA, and TILA in handling my dispute and safeguarding my personal information.
Product: Credit card or prepaid card

My credit card statement shows that on XXXX XXXX, XXXX I charged {$170.00} XXXX in person ) at the XXXX XXXX XXXX. 
On XX/XX/2020 I called Capital One to report this suspicious charge. They cancelled my credit card and said they would look into the claim. 
On XXXX/XXXX/202 I received a letter saying they had insufficient evidence that this is fraud so they will not take the charge off. 
I called Capital One on XX/XX/2020 asking for more details about this erroneous charge. They said I actually used the card on the XXXX of XXXX in XXXX. 
I live in Utah and was in Utah on the XXXX when this charge was made. 
I asked them for proof that I used my physical card and signed for the charges that were made. They do not have any evidence but are trying to charge me for this fraudulent charge. 
What are my rights if my credit card information was stolen?