23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collection agency has sued me in a different city from a debt that is not valid and an error made by the hospital without properly contacting me. My very first contact with them was a summon to go court in XXXX, while I live in XXXX where there are numerous courts. I was not given proper chances to dispute the debt. I was dishonestly billed close to XXXX XXXX dollars for an XXXX and a XXXX, with no prescription and 30 minutes of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In wake of the Equifax hack I froze my accounts with all three credit bureaus. The pin that Equifax provides is not even close to being secure. It contains the Day, Month, Year and time that the account was frozen which is easily guessable and not considered a Personal Identification Number. This company is not even trying to protect consumer data. Something needs to be done about it. 

XXXX XXXX XXXX
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 : # XXXX and # XXXX, XXXXXXXX XXXX XXXX # XXXX and # XXXX, XXXX : # XXXX, XXXX : # XXXX and # 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 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. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient my student loans were discharged when my Lender XXXX XXXX Education Loan Trust dissolved?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I closed my account with Self Lead Bank and made a final payment to settle my balance in full. After completing this process, I expected to receive confirmation of the account closure and payment status. Unfortunately, despite my numerous requests for this information, I have not received any statements or documentation confirming that my account was closed in good standing.

To my dismay, I recently discovered that Self Lead Bank has reported my account to XXXX and XXXX as delinquent. This inaccurate reporting has had a negative impact on, this impacted my credit score dropping by XXXX points. I believe it is essential to rectify this situation promptly, as it appears to be a result of an oversight or miscommunication.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. After reviewing my personal credit report, I have identified several inconsistencies that have a significant impact on my financial standing, particularly my chances of owning a home. Understanding that errors can occur, I have researched the dispute process and acknowledge the required investigation timeframe of thirty days. I would like to bring to your attention the following errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has already removed these accounts from their records, citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable.
Product: Student loan

XX/XX/2017 I 'm hoping somebody can please point me in the right direction regarding a problem I 'm having with Great Lakes Higher Education and XXXX. I had federal student loans that were being collected by Great Lakes Higher Education ; I could not afford to pay them at the time because I became homeless. I defaulted on my loans. In XXXX of XXXX, I spoke with XXXX and agreed to a XXXX month rehab program with XXXX for my defaulted federal student loans. XXXX. is located at PXXXX, XXXX, CA, XXXX. XXXX telephone number is XXXX. Great Lakes Higher Education is located at XXXX, XXXX, WI XXXX. Great Lakes Higher Education phone number is XXXX after making my ninth payment XX/XX/<YYYY> XXXX, XXXX, I realized that my loans should have been sold to or bought by another lender by now. I called XXXX. The collection agent on the phone verified that I 've, in fact, made all of my payments on time per the agreement. She puts me on hold and then tells me I must talk to a loan specialist and one will return my call within XXXX hours. XXXX hours comes and goes and no answer. 
I have been nothing but polite and cooperative during this process as I know how lucky I am to have been in a position to rehabilitate my loans. But now what? Nobody will return my calls. I have to make my payments. I want to make my payments. I will continue making my payments but I also want XXXX to honor the contract to which we agreed. Also, I called Great Lakes Higher Education and the customer service representative XXXX ( who refuses to give me her last name ) keeps telling me they need to find a new lender to service my loan. My loan remains in Collections with XXXX and I will end up paying more collection fees. This is pure evil and I 'm pretty sure Great Lakes Higher Education and XXXX are doing this to many Americans and it needs to stop. They should be held responsible for their dirty business tactics. 
Sincerely, XXXX
Product: Credit card or prepaid card

Aspire offers to match my minimum payment to help pay down the account I agree and pay the {$11.00} minimum payment it says I need to make. Then every month it is sending notifications that I have not paid and reporting to credit bureaus that I have not paid or I'm past due.
Product: Credit reporting or other personal consumer reports

I agreed to settle my account with XXXX XXXX XXXX for the amount of {$770.00} through their third party debt collection agency and it was agreed upon payment the my account would be marked as settled and removed from my credit report with all three bureaus.. But upon my further investigation Ive noticed that the debt still has a balance and has not been removed from my credit report.. This is unfair and needs to be addressed immediately because that was the last funds to pay my debt
Product: Credit reporting or other personal consumer reports

To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Delete immediately !
Product: Debt collection

I sent a dispute directly to credence XXXX XXXX and they sent me a theft packet from XXXX. I completed the packet and sent it to XXXX. XXXX sent an email saying it would be resolved within 30 days. 30 days has come and gone and Credence is still reporting to the credit bureaus despite sending several emails that they believe the account is possible fraud. Which means they are not reporting 100 % accurate information.
Product: Credit reporting

Was with cell carrier XXXX for several years and decided to upgrade to a better phone through XXXX XXXX XXXX. Was current with my monthly payment of just over XXXX per month. After changing, I received a bill from XXXX for {$320.00}. They just give me the excuse of early termination and old equipment charges. Now it shows up on my credit report. It 's a scam that other people I know had to deal with but, just paying this money seems like paying a ransom or something.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  XXXX, 2022 I received a fraudulent iquiry on my credit report from XXXX XXXX and XXXX. I believe someone tried to use my personal social security number to acquire a XXXX  Credit card. I have called XXXX XXXX  and spoke to someone and requested a deletion or removal letter to be sent to XXXX credit bureau. This was took place going on over 3 months now and I have yet to receive a deletion letter nor do I see it removed from my hard inquiry. I did not authorize this transaction and I would like this is be removed as soon as possible. Thank you so much!
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is another letter attempt to dispute the items in my credit file which resulted from an alleged identity theft. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information or items in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : Experian : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}. Please note that you have 4 business days to REMOVE the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX several times regarding inaccuracies on my credit report. While they respond, they do not properly fix it and in fact make matters worse by reporting it incorrectly. I have prepared 3 letters regarding 3 items that are really hurting my credit. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX this account is not transferred, the account is current and have a good payment history, fix this, XXXX XXXX XXXX XXXX -- not 30 days late on XX/XX/XXXX, this is incorrect, XXXX XXXX XXXX - not 30 days late on XX/XX/XXXX, XXXX XXXX   XXXX - not 30 days late on my Experian and XXXX credit report, XXXX not late on XX/XX/XXXX, XXXX XXXX -- not 30 days late on XX/XX/XXXX on my XXXX and Experian credit report , not 30 days late on XX/XX/XXXX on XXXX, XXXX XXXX XXXX - I am an only an authorized user on this account and I have nothing to do with the late payments on XXXX and XXXX, Please remove these late payments, they are totally incorrect ... This is why I am filing this complaint, step up CFPB and reverse the late payments
Product: Checking or savings account

XX/XX/XXXX I noticed on my report a debt for {$510.00} on my credit. I sent XXXX several certified letters to settle or even validate the debt. I contacted the company and e planned that this debt from XX/XX/XXXX is from someone stealing my debit card and fraudulently using - I told the rep I signed an bank affidavit. rep stated unable to validatedbor bring my account information up in the system due to the age.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize
Product: Credit card or prepaid card

I have a XXXX dollar balance on one of my two WELLS FARGO Visa cards. This card is closed. I cant get out from under this balance. I have been paying on this card for two years. I get at least XXXX a month in fees. I want to pay this debt but seems IMPOSSIBLE. Also I can no longer view my account including payments made, interest charged etc. I am told I can no longer access this account? The bank will not work w me in any way, even though I have been a customer for 20 plus years and have always paid my debts.
Product: Checking or savings account

I had a free community business checking account with XXXXXXXX XXXX XXXX XXXX was purchased but First National Bank. I was told everything would stay the same with my free business checking account. First National set my account up as a Non-Profit Checking account and has charged me monthly for this account. I have called my local office as well as the main office to try to get this fixed. Every time I am told that they will make a change and credit me back the charges. I have been calling monthly for 9 months, this is when they started charging me {$12.00} per month for the Non-Profit account that I never signed up for. I don't have a non-profit business. Each month, I believe that they are fixing the problem and I will see the credit but instead the charge hits my account again. Each month, I have to sit on the phone with them again and go through everything with someone else who promises me it will all be fixed and someone will follow up. The charges as of XX/XX/XXXX are {$120.00}, the {$12.00} per month has been taken from me starting XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account in question, which was charged off in 2019. XXXX XXXX is asking me for payment on the account and claiming that I am a joint account holder and owe the debt. This is not true, I am only an authorized user. I asked them to send me a copy of the original application for the credit card, which should clearly outline my relationship to the card, but XXXX XXXX claims that they no longer have access to the original application. They are continuing to report the debt to the three credit bureaus and it is hurting my credit score. I am asking XXXX XXXX to furnish a copy of the original application and provide evidence that I am a primary account holder, if they can not do that, or refuse to do that, then I am asking for this debt to be removed from my file and social security number and that the debt is removed from my records permanently and that XXXX XXXX report to the three credit bureaus that I am not associated with that account.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such that, in fact, therefore exist, ( please remove these accounts before I see litigation for defamation of character. ) XXXX XXXX balance {$1000.00}, XXXX  XXXX XXXX balance {$1300.00}, XXXX XXXX XXXX XXXX balance {$200.00}, XXXX XXXX XXXX  balance {$0.00}, XXXX  balance {$2700.00}.
Product: Credit reporting or other personal consumer reports

This is really depressing, my loan applications are being turned down because of inaccuracies on my credit report. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first timeand I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$16000.00} XXXX  XXXX {$1400.00} XXXX   XXXX {$360.00} XXXX  XXXX {$260.00} XXXX  XXXX {$120.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$930.00} XXXX  XXXX {$250.00} XXXX   XXXX  XXXX {$980.00} XXXX XXXX XXXX XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! On XX/XX/XXXX, I submitted a letter requesting the removal of certain unknown information. And last month I found that the inquiries on my XXXX Credit Report were removed. Today though along with my Experian Credit Report, I found inquiries reporting in my credit file, which urgently needed of elimination or blocking of such information within XXXX business days. Here are the inquiries the NEEDED REMOVAL : EXPERIAN : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been sending dispute letters to Experian. For months, they dont send results. I call and they said dispute results are in the Experian app. However, the Experian app wont let me in! I have tried resetting my password but it keeps telling me that the phone number I have entered doesn't match the one they have on record. This is my phone number and has been my phone number for at least 20 years. I called Experian about it, and they cant figure it out nor will they mail my dispute results. If they could help me login to my Experian app, the problem would be solved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX date XXXX XXXX. 
late payment reported showing on Experian and XXXX this is inaccurate and must be fixed immediately. 
accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written istructions 5 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 for any purpose.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXXXXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I am unsure of how this happened. I need these items deleted from my credit report. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$200.00} XXXX AR XXXX {$200.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX {$59.00} AFNI XXXX {$1200.00} XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$75.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$430.00}