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

I have a collection on my credit report for {$3600.00}. This collection was paid with a " Pay for delete '' agreement from a collection agency. I have the agreement sent to me on the company letterhead and it is still not being deleted from my reports. Also, I am not able to dispute on Equifax because they will not allow me into the online portal or accept my phone calls due to an unknown error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer of this company for a while never missed any payments I recently was hospitalized due to losing my twins and called the company to make a payment plan and use my protection plan to cover my bill. This started XX/XX/2019, I was advised that I was protected and that due to paying for the protection plan they will cover the cost and to maintain my account and that it will report positively still to the bureaus. I recently got an alert the company posted late payments after telling me that i was covered defaming my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXXXXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Has Violated my rights 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency CAN NOT furnish a account WITHOUT my written instruction
Product: Credit reporting or other personal consumer reports

Complaint against EQUIFAX for violation of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Termination : XX/XX/year> ( R ) I previously filed a dispute with Equifax regarding inaccuracies on the above-referenced account. Despite my providing evidence supporting the inaccuracies and requesting their removal from my credit report, EQUIFAX failed to conduct a thorough investigation and the disputed account remains on my credit report. As a consumer protected by the Fair Credit Reporting Act, I have the right to request removal of inaccurate or outdated information from my credit report. EQUIFAX failure to comply with this law is a violation of my rights as a consumer and has caused me harm and financial distress. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its failure to comply with the Fair Credit Reporting Act. I request immediate removal of the inaccurate account information from my credit report and appropriate action to ensure that EQUIFAX complies with its obligations under the law. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. Sincerely, XXXX XXXX
Product: Student loan

My student loans are currently being handled by Mohela. There is currently a forbearance and I have been paying my loans gradually during this time after being informed that there would be 0 % interest accruing. I have recently found out that my balances continue to rise despite the forbearance beginning a few months ago. I want the interest accrued during the forbearance to be reversed given that the balances should have had XXXX interest during this time period and I want there to be no more interest accruing during the remainder of this forbearance period.
Product: Mortgage

Dear Mgmt Team at Rockland Trust ; - I thought I was protected under the CARES ACT during this COVID-19, but today when I check my credit report and scores, I was shocked to find out that my mortgage company marked me late every month since the global pandemic even though we had prior accommodation that we had agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report shows incorrect addresses that are not mine
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and has violated my rights. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report and XXXX some things are incomplete and not accurate. According to the Fair Credit Reporting Act, 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, as stated in 15 USC 1681 ( e ) ( b ).

Furthermore, under 15 USC 1681i, I am requesting a reinvestigation of this/these item ( s ). Please provide me with a copy of the results of your reinvestigation.

According to 15 USC 1681c-2, if any information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified after reinvestigation, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Additionally, under 15 USC 1681s-2, furnishers of information to credit reporting agencies are required to provide accurate information. They should 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.

According to 15 USC 1681c-5, treatment of inaccurate or unverifiable information requires that after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if 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 file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XX/XX/XXXXthey record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XX/XX/XXXX XXXX cant provide to my XX/XX/XXXX daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.
Product: Credit reporting, credit repair services, 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, 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 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, credit repair services, or other personal consumer reports

These accounts are showing on my credit profile/report and they do not belong to me. I have request for these to be removed effective immediately please. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX XXXX XXXX, Balance : XXXX Closed XXXX XXXX, Balance : XXXX XXXX, Balance : XXXX XXXX  XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balances : XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove inaccurate unauthorized, unverified collection reporting on my credit report. 

XXXX XXXX XXXX Balance : {$8600.00}
Product: Credit card or prepaid card

This is my second complaint against Macy 's refer below Consumer Financial Protection Bureau Case # XXXX I received the reply and called the number asking to talk to the person who wrote to me. 

I called the number and multiple times, a nice sounding gentleman assured me he would make sure she called me back. And that they take these matters seriously! 

In the reply from Macy 's I was told that I would have seen the following information when this happened as follows ; - " I apologize if it was not made clear that you were indeed opening a new Macys XXXX XXXX credit card account. Our research shows the account ending in XXXX was opened on XX/XX/2020. In order to apply for a Macys credit card account, you have to give a form of identification ( generally a drivers license ) to the sales associate. The associate would have used the identification to enter your name and address into the application. You would then be presented with a screen that reads, You will be considered for both the Macys XXXX XXXX Card and the Macys Credit Card. If approved for both, you will be able to select which card you would like. You would have been prompted to enter your date of birth, Social Security number, telephone number, and income and housing expense information on the signature pad. You were then presented with all the entered information and asked to validate that it was correct. Finally, you would have been presented with a screen asking for your signature. Above the signature line, it reads, Thank you for applying. '' As I wrote the first time, the associate tricked me into giving him my details saying my Macy 's card was expired. A total lie, and as I was keeping my distance due to Covid he told me he would press the keypad to key in my social security number. I never saw any messages regarding a Macy 's XXXX XXXX Card, the associate intentionally avoided using that wording so I would believe all I was doing was re-activating my Macy 's card. 

I feel violated by the whole experience, and while there were nice words on how sorry they were, Macy 's did nothing and did not follow up on their promise to cancel my card and remove the credit check so my credit was affected by this as well. I called 6 times two times spoke to a gentleman who assured me I would get a call back, and the other times left voicemail messages. 

Regards, XXXX XXXX
Product: Debt collection

Nordstroms TR Bank USA : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Product: Debt collection

I attended XXXX XXXX XXXX College, XXXX XXXX XXXX, in XX/XX/XXXX through XXXX or XX/XX/XXXX in XXXX XXXX, CO. 

I filled out my needed financial aid paperwork and documents to try and get a loan either from Federal or State. Since at the time I was under the age of 25 I needed my parents financial information in order to complete my FASFA. 

To the best of knowledge my parents have not talked too each other since XXXX. Neither one of them wanted me having their financial information in case somehow the other got a hold of thiers.

This created a problem in moving forward with the FASFA. The financial aid director, sorry I don't remember her name just that she was a female, took me I could start and continue with my classes while the FASFA was being processed. 

She explained to me that if it did get denied that the only way I would be held liable for any costs with the books or classes is if I re-enrolled for my next semester. It didn't get approved and I never enrolled for classes past that semester. I made sure that at the student services center, or enrollment offices, that they knew that 100 %.

I did receive a few, two and possibly a third, letter from the State of Colorado within in the next two years when I received the bill in the mail. And each and every time I responded to the State and the School. Never, ever did I hear about a response from either of the two. 

After the last response I sent I never heard another word from either of them again. This was XXXX at the latest. I never went to court nor was I even summoned to court about the issue. 

Then in XX/XX/XXXX, 9 and 1/2 years after the fact, without letter or notice the debt was placed into collections and reported on my credit report. Seven years from last hearing from them I have a debt collection on my credit score.

My best friend 's father is a loan officer and works closely monitoring people 's credit and issues associated with thier credit. After explaining to him the sutitution he informed me that what they, XXXX, did was illegal mainly due to the length of time involved. 

Unfortunately since such a great and lengthy time has passed I do not have any of the original bills or responses because I thought the issue was dismissed or handled.
Product: Student loan

I believe there has been unauthorized access to student loan information, possibly involving internal CFPB systems and data related to federal student loans. Reports suggest that XXXX XXXX or individuals under his direction have accessed sensitive personal financial data without proper authorization or consent. This raises concerns about privacy violations, data misuse, and the handling of confidential loan information. 

The situation has caused significant distress as it may have impacted not only my personal information but also the data of millions of other borrowers. I am requesting a thorough investigation into whether my data was accessed, how it may have been used, and what steps will be taken to address this potential breach of privacy. 

Please investigate this matter urgently and provide clarity on how the CFPB is protecting the personal information of borrowers like myself.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines.

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Debt collection

I received an email from XXXX XXXX with True accord about a debt from XXXX XXXX XXXXXXXX sold the debt to XXXX XXXX XXXX and XXXX sold it to True Accord. According the the Statue of Limitations of Pennsylvania 42-5525 ( a ) when the debt originated, the companies are not allowed to pursue the debt after 2 years. 

This account is more than 8 years old. The company also does not have the correct address nor do they have the correct telephone number for me as well. 

I also did not give XXXX nor any other company to sell my information.
Product: Credit reporting or other personal consumer reports

I was stunned to find inaccurate accounts on my credit report today, completely out of nowhere. I check my report regularly, and I never expected to see discrepancies like this appear suddenly. Even after refreshing my browser, hoping it was just a glitch, the wrong accounts were still there. I'm requesting a thorough review of the documents Ive provided so that I can stop worrying about such errors in the future.
Product: Debt collection

YOUR COMPLAINT In XXXX I was arrested by and sent to XXXX. My belongings was mailed by XXXX XXXX to my home address which I did NOT ever receive my belonging. Which include my wallet with my State ID, social security number, and my credit cards, car key and house key and cellphone. My information was being theft and my credit cards was being used by the thief, I also did NOT give my consent or written agreement or verbal agreement to any third parties interfering with this diet
Product: Credit reporting or other personal consumer reports

I filed a dispute with Transunion for incorrect personal information as this is in direct violation pursuant with the Privacy Act of 1974. 
Third party collectors is also in direct violation pursuant to of the Privacy Act of 1974 also 15 USC 1681 ( b ) permissible purpose of the consumer.

I also did not give written consent pursuant to15 USC 1681 Sec 604 ( A ) These violations have left me with restraint of trade pursuant to 15 USC 1681 ( a ) ( 4 ) I have the right to the basic necessity in order to live a productive life.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX  XXXX  & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.