23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 a 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.
Product: Credit reporting

On XXXX XXXX, 2015, a hard credit pull was done on my credit report by XXXX. I contacted XXXX Credit Card Services and they declined that they were even XXXX. After doing further research, I confirmed that XXXX is XXXX. I have never applied for a XXXX Credit Card, Mortgage or Personal Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX an unknown company reported a collection on my account. I disputed this on XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and XX/XX/XXXX with Transunion. 

After some research, I determined the account was related to an old account from XXXX. It was an old electricity bill that I never received when I moved. I was made aware of it in XXXX, paid it immediately as agreed, and obtained a release of debt from the original creditor / agency ( XXXX XXXX / XXXX XXXX ). At that time in XXXX I disputed the charges, provided my release of debt letter, and it was removed from my reports with all 3 bureaus. 

Providing the release of debt letter this time around, resulted in only 1 of 3 bureaus removing the information ( XXXX removed it but the others did not ). Not only is the debt more than 6 years old ( possibly past the statute of limitations ) and already settled and paid as agreed, abut the 2 agencies in question are reporting it as a new collection with a date of XX/XX/XXXX. 

Recently, I applied for a mortgage and noticed my scores with XXXX and XXXX are over XXXX points worse than my scores with XXXX. This error on their part is costing me significant money in addition to the time I've spent and frustration I've felt in dealing with this error. 

XXXX doesn't even have a way to dispute the item, when I log into their system it doesn't show up as an item that can be disputed. I had to dispute it thru XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Please be advised, I am requesting both XXXX XXXX XXXX to be blocked or deleted stemming from fraudulent applications. I '' ve included a Federal Trade Commission Identity Theft Report. I've recently discovered on XX/XX/XXXX, two fraudulent loans from XXXX XXXX were opened in my name or similar as XXXX XXXX. I never applied to these two fraudulent loans. The timeline for these two loans started on XX/XX/XXXX for {$39000.00} and XX/XX/XXXX for {$34000.00} respectively. Although, my name was spelled incorrectly on loan application but my social security number was compromised. Please clear all fraudulent accounts with XXXXXXXX XXXX XXXX. Thannk
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this 7th CFPB complaint as while I was going through my records, I noticed many files which do not belong to me are still in my credit reports. Under section 605b of the FCRA the XXXX and TransUnion Credit Bureaus are required by law to remove these items which are found to be opened due to identity theft. Again, the dispute items do not belong to me. Im re-attaching the required FTC Report for you and personal documents ( learned through more research both parties require ). Please remove these files. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Here are the items I need the XXXX and TransUnion Bureaus to REMOVE : XXXX : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$11000.00} TRANSUNION : XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

Hi, My name is XXXX XXXX and for the statement closing date of XX/XX/XXXXthere was a balance of {$120.00} on my XXXX account for which I was charged a late fee of {$27.00} because I made the payment on XX/XX/XXXX the payment due date was XX/XX/XXXX. 

Now the problem here is that I tried making payment online and was unable to do because my online XXXX account does not get linked with the credit card. I have complained about it to the XXXX technical team and they had assured me multiple times that this problem will be resolved but apparently this has not been resolved. I am unable to make the payment online. So for everytime I make a purchase for the payment I have to call XXXX 's customer service. I was out of US for close to 4 weeks from XX/XX/XXXX to XX/XX/XXXX and hence I could not call customer service of XXXX. I called the customer service today and they waived the late fee by {$14.00} because they had already waived the late fee in XX/XX/XXXX for the same reason. 

My point is I should be able to make a payment online without any issue. Why should I pay for the mistake by the XXXX technical team? 

Kindly help in this regard. 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Product: Credit reporting

Experian continues to report fraudulent & unverifiable accounts on my credit report. There are XXXX XXXX XXXX accounts which I 've disputed with them numerous times, requested the method of verification & additionally sent a XXXX letter to the data furnisher requesting a signed contract/agreement. Neither the data furinsher nor Experian has provided me with a signed contract of my obligation but they continue to claim this has been verified. When review my file here are some facts which question the integrity of their investigation. The address linked to these accounts is not mine. I 've requested it be removed 3 times but they continue to verify it. Secondly, when I ask them to verify it they always pass the buck & say it 's the data furnishers responsibility to update their records. This is public information which is damaging my name & reputation & I 'm unable to get any financing due to the nature of this issue. This matter is also causing unwanted emotional & financial stress & I 'd like these unverifiable accounts removed immediately. If Experian continues to claim they 've verified these accounts again without a deeper investigation I will be filing a lawsuit for violations of the FCRA. Please resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : Complaint Regarding Inaccurate Reporting and Violation of 15 USC 1692g - Account with SBNASELFLNDR ( XXXX ) Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against SBNASELFLNDR regarding the inaccurate reporting of a paid-in-full collection on my credit report. I believe this action may be in violation of the Fair Debt Collection Practices Act, specifically Section 15 USC 1692g. The details of the account in question are as follows : Account Information : Account Name : SBNASELFLNDR Account Number : XXXX Account Type : Secured Loan Responsibility : Individual Date Opened : XX/XX/2022 Status : Paid, Closed. 
Status Updated : XX/XX/2022 Original Balance : {$720.00} Balance : - Despite the account being marked as " Paid, Closed '' since XX/XX/2022, it has not been removed from my credit report. This inaccurate reporting is adversely affecting my credit score and financial standing.

I would like to draw your attention to the Fair Debt Collection Practices Act, specifically Section 1692g, which states : 15 USC 1692g - Validation of Debts ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; and ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the XXXX period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer, and a copy of such verification or judgment will be mailed to the consumer by the debt collector.

I am requesting a thorough investigation into this matter and the immediate removal of the inaccurate information from my credit report in accordance with the Fair Debt Collection Practices Act. I believe such action is necessary to ensure the fair and accurate representation of my credit history.

I have attached supporting documentation, including proof of payment and closure of the account. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I submitted a dispute for a collections account that appeared on my Equifax Credit Report for XXXX XXXX XXXX, original date of collection XX/XX/XXXX. I have yet to get the results of this dispute. According to my credit report it states that the dispute " reinvestigation is still in progress '' however this has been ongoing for the past 6 months. I have attempted to contact Equifax and they stated that this dispute has been resolved but I am unable to dispute the results of the investigation if I do not know what those results are. I do not believe that this debt belongs to me but it has been listed on my credit report and I am unable to resolve the matter with the credit bureau.
Product: Credit reporting or other personal consumer reports

Please look into this. This company has violated the law and violated my rights of privacy. This is fraud and Im gon na call the FTC on them you got your money what more do you want? I have the right to my privacy. You can not disclose my late payments go look up the law. I will be putting this account in with my. FCRA Violation Attorney I dont owe you anything
Product: Debt collection

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into a contractual agreement with them agreeing to pay them for services nor goods
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I applied for a loan modification with XXXX XXXX. I was given a trial period to make reduced payments and once I for-filled that trial, I was granted a modification which lowered my monthly mortgage payments. To my dismay, XXXX XXXX reported a total of 14 late payments during the time I was in an agreed upon trial modification, followed by reduced payments going forward. On or about XX/XX/XXXX, I reviewed my credit report and disputed the late payments. My dispute included several mortgage statements and our agreement which outlined the terms of the trial payments and the modified payments going forward. Unfortunately the dispute came back verified and no changes were made correcting this inaccurate information. I do not believe anyone reviewed my documents, however I have the proof all payments, during that time, were made on time and should be enough to remove the inaccurate information being reported on my credit report. This incorrect reporting by XXXX XXXX has caused me a great hardship and by me having a signed agreement outlining the modified payment and the lower mortgage payments, should be enough for XXXX XXXX to stop reporting late payments that were never late. 
In addition to XXXX XXXX reporting my on time modified payments late, they never charged me a late fee which should help prove my defense that they are reporting incorrectly on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, SELF FINANCIAL INC / LEA has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without mywritten instructions. Under 15USC1666B a creditor may not treat a payment on a credit cardaccount under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the consumer report, there is incorrect information and fraud accounts that were made without my consent. They were multiple inquiries that were without my knowledge.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and an open account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in a fraudulent charge off and open account appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. The aforementioned charge off and account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA continually reports incorrect information on my XXXX credit report for the Date of First Delinquency ( DOFD ). They currently show the DOFD as XX/XX/XXXX which I have disputed with the CRA and USAA multiple times to no avail. According to the FCRA 623 ( a ) ( 5 ) ( A ) When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month, and year the consumer 's delinquency resulting in the referral began. This first delinquency leading to charge off was XX/XX/XXXX when I first became delinquent ( 30 days ) leading up to a charge off status NOT XX/XX/XXXX ( the date of charge off status ) as they continually report knowing it is, in fact, inaccurate and a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with your bureau 's handling of my identity theft complaints. This situation not only involves the theft of my personal data but also highlights your bureau 's indifferent approach to managing my case. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of these actions. Despite the seriousness and significant impact on my life, your bureau 's response has been alarmingly inadequate. Communication regarding my disputes has been minimal, and the responses I received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by an institution I relied on to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, please take steps to prevent such incidents from occurring in the future, as my personal information was clearly mishandled and abused. 

Accounts : XXXX XXXX  XXXX XXXX and XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1. XXXX XXXX XXXX  Account # XXXX 2. XXXX XXXX Account # XXXX, 3. XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> and noticed somethings are incomplete and inaccurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure Maxium Possible accuracy of the concerning individual about whom the report relates these accts are incomplete and not accurate laws 15 USC 1681s-2-A, 15USC 1681 ( e ) B, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

There are student loans that is reporting to the bureaus for the amount of {$42000.00}. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These loans have been forgiven but is still being reported. They need to be removed from my credit Due to the education and privacy act of 1974.
Product: Bank account or service

I signed up for Citigold checking account which had a promotion for XXXX XXXX XXXX miles. After meeting the requirements and confirmation of meeting requirements by Citi Bank, it has taken multiple calls and messages to get the miles posted to my account. I have contacted them again today on XXXX/XXXX/16 to sort it out and have saved the conversation and their incompetence at handling this issue even with reference to said case number. After 6 months of trying to sort this out on my own and given false promises of when my points will post, I am reaching out to the CFPB to help my case.
Product: Student loan

I am trying to assure that Mohela has requested I receive an overpayment refund from my student loans as I was told they would. I had pslf forgiveness in XX/XX/XXXX yet was supposed to receive a refund from the Department of Treasury for student loan overpayment from XXXX yet have not received it. My pslf count was at XXXX which is 49 payments over the forgiveness threshold. I have not received my refund nor has Mohela updated me on whether in fact, they submitted this information appropriately and expeditiously to the Department of Treasury.