23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am bringing this to your attention a matter regarding the denial of securities by XXXX XXXX, which I believe constitutes a violation of my rights under the Equal Credit Opportunity Act ( ECOA ). 

Recently, I submitted a registered security to XXXX XXXX, as per their requirements. However, my application was denied based on information provided by XXXX. It is pertinent to note that this denial occurred despite my XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX which should not be grounds for refusal of access to my securities. 

I firmly believe that denying access to my credit, particularly in the context of securities transactions, constitutes a form of security fraud. This action directly contradicts the principles outlined in the ECOA, which mandates equal access to credit without discrimination based on factors such as race, color, religion, national origin, sex, marital status, age, or because the applicant receives income from a public assistance program. I am seeking compensation for the denial of my securities by XXXX. I believe that such compensation is warranted given the violation of my rights under the ECOA and the inconvenience caused by the denial. Furthermore, I urge the CFPB to investigate this matter thoroughly to ensure that such discriminatory practices are addressed and prevented in the future. 

It is imperative that financial institutions uphold the principles of fairness and equality as mandated by federal law. Thank you for your attention to this matter. I kindly request acknowledgment of receipt of this email and any necessary steps for addressing this issue.
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. 

( 1 ) XXXX XXXX XXXX Account # - XXXX has violated my rights. 

( 2 ) XXXX XXXX  XXXX Account # - XXXX has violated my rights ( 3 ) XXXX XXXXXXXX XXXX Account # - XXXX has violated my rights ( 4 ) XXXX XXXX Account # - XXXX has violated my rights ( 5 ) XXXX XXXX Account # - XXXX has violated my rights ( 6 ) XXXX XXXX XXXX XXXX Account # - XXXX has violated my rights ( 7 ) XXXX XXXX XXXX XXXX Account # - XXXX has violated my rights ( 8 ) XXXX XXXX XXXX Account # - XXXX has violated my rights ( 9 ) XXXX XXXX XXXX Account # XXXX has violated my rights ( 10 ) XXXXXXXX XXXX  XXXX Account # - XXXX has violated my rights ( 11 ) XXXX XXXX Account # - XXXX has violated my rights ( 12 ) XXXX XXXX Account # - XXXX has violated my rights ( 13 ) 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 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 take any consumer report containing any of the following items of information. Any other adverse items 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: Debt collection

I attended XXXX XXXX during XXXX. I received a Pell grant and student loans to pay for my tuition, books, fees, etc. My last completed semester was fall of XXXX. I enrolled in the winter XXXX semester approximately XX/XX/XXXX. The courses began XX/XX/XXXX. I became XXXX with XXXX  symptoms at that time and was not well enough to start the course. I dropped the classes on XX/XX/XXXX the day classes started to avoid any impending charges to occur. The school has a policy to drop within a specific period without penalty or having a W for withdrawal on your transcript. I dropped the classes in the allotted time frame. Several weeks went by and there was a hold on my account stating I owed the school {$1000.00} for dropping the courses and a book fee. The Federal Pell grant paid for my courses which is free and does not have to be paid back. However, the school states I owe them because they paid my refund that was left over from my Pell grant. I am trying to receive my transcript and the school refuses to issue me a Official transcript with the seal on it until I pay them the money they say I owe them. I talked to Federal student aid and they say I do not have an overpayment listed in their database and as per the federal student aid agency I do not owe anything. I also was told by the federal student aid agency that a law was passed in XX/XX/XXXX that it is illegal for colleges to hold transcripts because of student loan. I did not have a personal loan with the school I had a grant. Since then the school has written the debt off and now it is with a collection agency. The collection is Merchants & Medical Collections XXXX XXXX XXXX XXXX, Michigan XXXX phone XXXX ( XXXX ) XXXX. I was told that I do not have a debt with the collection agency. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX phone XXXX ( XXXX ) XXXX. I did not agree for the creditor to sell the debt the claim I owe to a third party. I was informed the collection company does not have a right to collect nor did I give verbal consent. I need my Official transcript with the seal to transfer to a university.
Product: Payday loan, title loan, or personal loan

I had called several times to the lender asking how to avoid interest fees and I followed the directions given to me over the phone and I was still charged enormous fees and I feel as though I was robbed and I am very disappointed. I also called and tried to strengthen this out and was told it would be and its still not done.
Product: Credit reporting or other personal consumer reports

Experian keeps reporting that my child support is active and its been closed for years. Ive sent paperwork from state and they still wont change it.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX  : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 n 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed.
Product: Checking or savings account

On XXXX someone made a purchase using my debit card for {$470.00} at a XXXX XXXX XXXX XXXX XXXX for {$520.00} On the same day. Chase Bank caught both FAKE transactions and reversed it at that time. I received a letter from XXXX in XXXX that they investigated the XXXX XXXX XXXX transaction and found that it was processed correctly i informed XXXX that I've never been to a XXXX XXXX  in my life and ask what proof did they of it. XXXX sent me a copy of the receipt from XXXX XXXX that was sent to them with a FAKE signature of mine and someone by the name of XXXX XXXX picked up the order ( not me ). I asked for a copy from XXXX, they mailed it out to me and just like I thought not my signature, so I called XXXX back after to state my claim and they told me there's nothing else they can do. I'm no {$470.00} is not a whole lot of money but it is my money somebody stole from me and I just want it back ... ..
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by [ Credit Bureau Name ] . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Account Name : XXXX Account number : XXXX XXXX. High Balance Discrepancy : o XXXX reports a high balance of {$2000.00}. 
o XXXX reports a high balance of {$0.00}. 
o Equifax reports a high balance of {$1900.00}. 
XXXX. Last Verified Date : o XXXX : XX/XX/XXXX. 
o XXXX : Not reported. 
o Equifax : Not reported. 
XXXX. Date of Last Activity : o XXXX : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
o Equifax : XX/XX/XXXX. 
XXXX. Date Reported : o XXXX : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
o Equifax : XX/XX/XXXX. 
XXXX Credit XXXX XXXX o XXXX : {$2500.00}. 
o XXXX : {$2500.00}. 
o Equifax : {$0.00}. 
XXXX. Account Description : o XXXX  : Profit and loss write-off. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
o Equifax : Charged off account. 
XXXX. Payment Status Discrepancies : o XXXX : Charged off as bad debt. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
o Equifax : Charged off account. 
XXXX. Days Late - 7 Year History : o XXXX : No late payments reported. 
o XXXX : 30 days late once, 60 days late once. 
o Equifax : 30 days late once, 60 days late once, 90 days late seven times. 
Given these discrepancies, I request an immediate investigation into these inaccuracies and prompt correction of my credit report. Enclosed are copies of my credit reports from XXXX, XXXX, and Equifax highlighting the inaccuracies. 
Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ] I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting

I cant access my credit report online with Equifax and I have talked to several people since XXXX with no success. They claim its a glitch in their system and it would take 7-10 days to fix. However they have been telling the same thing for 3 months. As a result, I cant access my XXXX and XXXX files credit files via another credit monitoring services I am paying for. I recently canceled my service with Equifax because I have no access to my report but was still being charged monthly. They claimed to have refunded me for a month 's service fee but I never received the refund back in the bank account it was debited from. Furthermore, as of Friday XXXX XXXX I was told that I should upgrade my service and that would fix the problem of me having access to my report. Upon payment, I was told that the payment didnt go through and thats why I didnt get my updated report. I gave another card when I was told it must be the credit card company refusing the transaction. Finally, I gave my debit card and I still did not get access to my report. That is when they realized it was n't my cards but once again their system. I was basically charged {$19.00} four times between XXXX of my bank cards and still have no access to my credit file. After that they transfer me to another dept who stated that it may be because I did n't put my middle initial and that must be causing the problem with their system and the other credit monitoring system I use which is XXXX. I was told to re-sign up for their service and include my middle initial. The problem with that is, upon signing back up, their registration page does n't ask for a middle name! They 've instructed me to end in my drivers license and ss card which I have now done approx. seven times! They are either incompetent or playing games. I am getting the runaround and it is very frustrating.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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: Debt collection

We got XXXX XXXX XXXX XXXX in 2012 and after having so much trouble with it working correctly, we called them to cancel our services. They did not care at all about resolving the problems we were having with the service and was told by a representative for us to use the return shipping box they would send to us. We sent all of the XXXX equipment back to XXXX XXXX XXXX and was told that we did not owe anything on the account with them. XXXX XXXX XXXX later sent this account to a collection agency then got it back and sent it to another collection agency after a few months. The collection agency representative was not nice about anything concerning this account. They were very demanding that it be paid in full or we would deal with a crime of not paying a debt. I did not appreciate this attitude at all and this is not a good way of doing business. I would never recommend anyone to use XXXX services.
Product: Credit reporting or other personal consumer reports

They responded to improper reporting stating they will respond in 60 days. According to credit reporting act, you have 30 days to correct information. Not 60.
Product: Credit card or prepaid card

Someone opened a credit card with Synchrony Bank in the amount if {$820.00} that is reflecting negatively on my credit report. The person that opened this account is the mother of my sons who I am no longer in a relationship with.
Product: Payday loan, title loan, or personal loan

Sent in XXXX tickets and they would not respond back until weeks after. 

I was scheduled for biweekly pymts and was told that my payments that were due on XX/XX/19 and XX/XX/19 did not clear. Spoke with my bank and they advised that my debit card was never processed by moneylion on XX/XX/19 or XX/XX/19. I worked for MoneyLion and I got a direct deposit from them on XX/XX/19 and they said my loan payment did not clear. It shows as a missed payment in their system because they never ran my authorized debit card on either days. Come to find out, they ran my debit card on an unauthorized date ( XX/XX/19 ) of {$19.00} to where the payment did clear and now they have no clue where that payment is. FIrst of all, I never gave authorization to run my debit on Monday, XX/XX/19. Just the authorized biweekly, fridays on the loan agreement. MoneyLion had my authorization to run my debit card biweekly fridays. For some reason, they stopped running my debit card and decided to report to the credit bureaus as delinquent. I never revoked my payment method and always made my pymts on time when scheduled to. MoneyLion breached their own contract by not running my debit card that I did gave authorization to, since XX/XX/2019 and just now contacting me stating that my loan is in collections. Not one email or phone call regarding a missed payment. I had to find out by the credit bureaus that my account was past due just the end of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Experian at least 20 times by phone only to be hung up on every time. 
I have also send a letter to Experian on XX/XX/2019 with a 'certified mail receipt ' which was also rejected on XX/XX/2019 stating it has been returned. 
All my communication efforts with Experian have been rejected and I want to know why. 
They notified me today, XX/XX/2019, that My credit score has been reduced by 20 points because of a {$9400.00} balance on my XXXX XXXX XXXX credit card that carries a {$33000.00} credit limit. This card as well as any others I utilize is PAID OFF, IN FULL every month and I have NEVER been late or paid ANY INTEREST charges because of my payments IN FULL EVERY CYCLE. 
This coupled with their total disregard of my communications is beyond rude and should be illegal as they negatively affect my credit rating.
Product: Debt collection

IQ Data International, Inc deliberately added a collection account of {$5100.00} on XX/XX/2017. The company will not verify the debt nor any information about the debt. Rather it engages in phone harassment by using auto-dial robots that immediately hang up once the person answers the phone. IQ Data International deliberately uses auto dialing robots to skirt Fair Debt Collection Practice Laws so no one will track down its customer service representatives and hold the company liable. 

IQ Data International has a bad reputation within the business community and among consumers. According to the XXXX XXXX XXXX there are currently five complaints about the billing and debt collections practices of IQ Data International ( XXXX XXXX  XXXX ). Additional websites, including those from attorneys, address the problematic nature of IQ Data International. Therefore, I'm cautious about negotiating any consumer debt with a company with negative reputation of hostility towards consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Credit reporting or other personal consumer reports

My account with this company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports