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

In XXXX and XXXX of 2022, I filed a dispute with XXXX, XXXX and Equifax Credit reporting agencies about the unverified account XXXX. In these months I have not received a notice in over 45 days and I have tried multiple attempts for verification of these unverified account with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Checking or savings account

I tried to dispute a transaction for over {$2600.00} with Fifth Third Bank, with whom I have a checking account. This complaint is about XXXX companies - Fifth Third and XXXX XXXX. 

A company called XXXX XXXX- which normally hosts music concerts with top XXXX  and XXXX XXXX XXXX artists in the XXXX - canceled a concert that was supposed to happen in XXXX in XXXX of XXXX at the last minute. ( They said it was " rescheduled '' but as of XX/XX/XXXX, no rescheduled date has been announced. ) My cousin and I paid over {$6000.00} for the concert, which included concert tickets and a hotel room/stay at a resort in XXXX XXXX XXXX XXXX XXXX XXXX not refund the money, even though the concern was canceled and did not take place. I tried to dispute the charges with Fifth Third and get my money back but was denied. I've had this checking account with Fifth Third since the year XXXX. 

I would think that they would help a loyal customer for almost XXXX  XXXX  and reimburse the money, but apparently they will not.
Product: Debt collection

XXXX hired Financial Asset Management Systems to Collect on a private student loan. Financial Asset Management Systems has repeatedly used deceitful collection practices to try and collect on the debt. I called Financial Asset Management Systems today to make a payment, they proceeded to ask me to update my address with them. I told the person no i just want to make a monthly payment of {$250.00} as I have been doing since XXXX 2015. They then transferred me to their " credit card processing '' line, and they proceeded to ask for my address again which they had never done before when I had made a payment. The intent of asking for my address again had nothing to do with processing a payment, the intent was to deceitfully try an collect and updated address. This is deceitful collection practices under the Fair Debt Collection Practices Act. XXXX has repeatedly hired these unscrupulous and deceitful debt collectors to collect on their debts.
Product: Credit reporting or other personal consumer reports

A balance of {$4200.00} from XXXX XXXX opened on XX/XX/2022 was on my credit report. I didn't authorize that transaction and would like to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureaus, I am writing this letter to formally lodge a complaint against Equifax, XXXX and XXXX for their refusal to provide me with validation of a debt. Despite several attempts to seek validation of this debt, XXXXXXXX XXXX has consistently claimed that they do not have any obligation to provide me with such validation. 

It has been over 30 days since XXXXXXXX XXXX confirmed receiving my correspondence, and yet they have failed to provide me with any validation of their debt collection. I would like to bring to your attention that this is a clear violation of consumer laws that require creditors to provide validation of a debt upon request. 

According to the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request validation of a debt from creditors. This includes information on the original creditor, the amount owed, and any other relevant information. Failure to provide this information within 30 days of receiving the request is a violation of the FDCPA. 

In my case, XXXXXXXX XXXX  has failed to provide me with any validation of their debt collection despite my repeated requests. Instead, they have sent me transaction records, which do not qualify as validation of a debt under the law. 

I would like to inform you that I will file a small claim requesting {$1000.00} for defamation and willful injury if this debt is not removed from my reports immediately. I hope that you will take appropriate action against XXXX XXXX and ensure that they comply with the consumer laws. 

In conclusion, I urge you to take this matter seriously and ensure that credit bureaus stand up for the rights of consumers. It is important that creditors are held accountable for their actions and that consumers are protected from unfair and illegal debt collection practices. 

I have attached all correspondence as well as screenshots of the laws pertaining to Validation, They have also admitted that they sent my debt to a debt collection agency Violating my rights AGAIN by sharing my no public information without my CONSENT, or providing me any proof of signed disclosures saying I authorize these actions Violating the Gramm Leach Bliley Act! 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Citi Card - Costco is charging Interest when I pay the Card in full each month and have no cash advances.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I did not authorize the creation or association of these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report without delay. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$100.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$110.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$870.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$880.00} XXXX XXXX XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3900.00} Fraudulent Inquiries : 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

A applied to be switched to PAYE repayment plan and aidvantage received my application on XXXX. It takes 8 weeks to process. But during processing my account needs to be switched to processing forbearance according to dept of ed 60 days of processing forbearance count toward PSLF credit. I have XXXX payments toward pslf already. 

I have called and chatted with aidvantage 6 times. I have been told there is no such thing as processing forbeance. Ive been told processing forbearance doesnt count for credit. Ive been told it should happen automatically. Last person I talked to said they expedited my complaint and I would be back dated a processing forbearance by XXXX and it still hasnt happened. 

I should be switched to processing forbearance like all other borrowers. 

A like on advantage website to dept of ed explains the process and how it counts. 

Aidvantage wont do it because it will affect their bottom line getting pslf loans forgiven more quickly. 

Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are all in violation of the FCRA. They have refused to remove the following account from my consumer report DEPT OF ED/XXXX ACCOUNT XXXX XXXX. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. They have violated my privacy which can be considered identity theft. They do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports.

Under the FCRA, 15 U.S.C. 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the account that you are reporting in my credit report.
Product: Mortgage

I purchased my home in XXXX, 2008 based on a monthly income of $ 5,000+ per month, with the express prayer to JEHOVAH GOD AMIGHTY that my children would not end up homeless, always having a place to call home. After forced early retirement in order to maintain my health and sanity, I attempted to get my FHA home loan modified with Bank of America to whom Countrywide had sold my loan. Bank of America promised a modification only to give me payments of {$1700.00} per month at 5 % ( taxes and insurance included ) which was more than my monthly payment before the " modification '' which went from approximately {$1700.00} ( taxes and insurance included ). Surely someone must have gotten a good laugh! ) .Bank of America then sold my home to XXXX. While in the midst of attempting to get a permanent home loan modification, I asked members of our regular Friday night Bible study to pray for me because if I did not get a permanent modification I could lose my home. A brother who attended the Bible study asked me to bring him all the paperwork concerning my home, and I did. The following week, brother XXXX said, " Sister XXXX, I promise you will not lose your home. '' He explained that he and his partners did what one calls " home flipping. '' He said his partners would buy my home and then sell it back to me at a price that I could afford. I did ALL that was asked of me and gave ALL papers concerning my home. They purchased my home then evicted my XXXX daughter and myself. Temporary mailing address I XXXX XXXX XXXX, XXXX, TX XXXX.
Product: Money transfer, virtual currency, or money service

I a filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # 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 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 a account without my written instructions.

I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Debt collection

Although the Co-signed loans were included in Bankruptcy, the said collection company now takes responsibility of the loans sold by XXXX XXXX XXXX ( XXXX ) and in accordance with the " Consent Order '' filed against XXXX and XXXX by CFPB, they are continuing to break the law. See appended document. I was told that the loans have defaulted, even though Co-signed loans were included in the Bankruptcy, they still report negatively towards my Credit report and as a Co-signer to the loan, I was never informed that the loans were defaulted until recently. I never, ever received any notification. If XXXX and/or XXXX has refused to accept the applicable documents and continue towards collections, why was I not notified that the Co-signed loans defaulted? Again, I just found out a couple of days ago. 

XXXX  before selling the loan to XXXX has committed illegal activities by reporting negatively against my credit report - regardless of the XXXX XXXX. Now XXXX is totally disregarding and not complying with the XXXX XXXX and/or Bankruptcy. They have since mailed documents to my home - when told not to contact me in any manner ... 
I believe that there are many students ( borrowers ) just like my daughter that is constantly being silently harassed by XXXX  and XXXX ( Simply Disrespecting the Consent Order ). There are so many students  complaining about sending payments and their payments were sent back because XXXX/XXXX felt that the money was not enough.
Product: Money transfer, virtual currency, or money service

Yesterday, out of random, all three of my Cash App accounts got closed with no explanation. I didnt go against their terms and policies but it says I did. I dont even do much on it other than sending my siblings money.
Product: Credit card or prepaid card

Someone attempted to open a Discover Credit Card in my name. I did not have anything to do this with nor any knowledge of this happening. Discover contacted me and notified me of this. This hurt my credit score and I just want to be safe that I do not get my identity stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being XXXX XXXX and being forced to pay for a debt that was procured by fraud. See attachment at the bottom of the page : Account name : OCWEN LOAN SERVICING, LLC. 
Loan Account XXXX ... was transferred to another lender on XXXX. # 1 ) Name the lender the account was transferred to? # 2 ) Was the transfer a purchase involving a credit purchase or was the account acquired? # 3 ) What is the method of purchase for the account? is it in credit or cash? # 4 ) What is the amount of the purchase?
Product: Credit reporting or other personal consumer reports

These debt collector 's Pyold LLC and resurgent receivable LLC, have violated my rights. They have reported this alleged debt to my consumer report after i received the second letter in XX/XX/2022. I have put them 2 times on notice that this debt wasnt mine. They willfully and knowingly report false misleading information. 
It is a furnishers responsibility to report accurate information about a consumer. It is prohibited by law to report inaccurate information to the consumer reporting agencies about a consumer after receiving a notice that the information is wrong. Violation. 

You should know Im building my case if you fail to delete this debt.

These debt collectors have harm my family Defamation of character Negligent non compliance Civil liability XXXX  anguish Enclosed I have put proof of my letter to the debt collectors Tracking number and Credit report
Product: Debt collection

I have made several disputes to XXXX, and through XXXX to the medical debt collectors to remove the accounts from my report. They have refused to do so and verified they should be there, despite there being a medical debt ban from being included on my credit report. I'm reporting their willful noncompliance to remove the accounts for the following : XXXX XXXX  XXXX, account number XXXX opened XX/XX/XXXX. 2022, XXXX XXXX XXXX, account number XXXX opened XX/XX/year>, and Kansas Counselors XXXX. account number XXXX opened XX/XX/year>. I've requested for them to immediately remove all medical debt entries associated with accounts listed above, and provide me with written confirmation that these entries have been deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent XXXX Bank account on my credit report that TransUnion and XXXX refuse to remove. I have been disputing this acct for a whole year to no avail. The acct usage is totally fraudulent. There were unauthorized charges made on the acct and the company agreed to remove the acct from the credit bureaus after receiving payment. XXXX recognized the acct as fraudulent and removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance {$0.00} Inquiries : XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 2021
Product: Student loan

I am a student whose loans have always been in deferment. My loans are stating that they were 90 and 120 days past due in XXXX and XXXX of 2015. This is not possible because I have always filled out forms in a timely manner to make the schools aware of my full time student status. Navient also did not make me aware of other programs I could have used such as financial hardship to defer my loans. I was never sent a bill notifying me these loans were past due. I do n't think my credit report should be affected because of this.
Product: Debt collection

Update : I called the company again, this time from my work phone number ( a number not in their system ). I was able to get in touch with a rep from the title department and was told the processing of my title was hung up with a person who was no longer with the company and never processed. I then demanded a pay off statement, since I never received it when I paid off my van, and instantly received it. When my loan was transferred to this company I was told I will not change any additional monies however I was charged almost {$100.00} not even a month after my long being transferred and despite not being required to make a payment. This company is very dishonest, BEWARE!
Product: Credit reporting or other personal consumer reports

I purchased a truck and GM financial financed. GM Financial put it on my credit report and removed it days later and Ive asked repeatedly they put the account back on my credit report to reflect almost a years worth of payments and they still havent done it.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, DENIED me a auto loan again based on " INVALID '' and " INCORRECT '' information that XXXX continues to keep posted on my Credit Report,. The fact that XXXX XXXX XXXX is a " 3rd party lender '' that works with individuals with bad and or poor credit speak volumes. The information that is being reported regarding my credit background history, -- is totally inaccurate.. 

I have filed previous CFPB complaints on each credit bureau ( OPENED ) and also XXXX attached the necessary documents, to prove " identity theft '', accounts " paid in full '', -- etc, this still does not make a difference. i.e. XXXX : XXXX XXXX and XXXX XXXX. Plus I have a FREEZE on all accounts, so who was XXXX XXXX XXXX able to get my information without knowledge or approval to life the frees? 

***Is there anyway that I can bring a lawsuit against these reporting agencies, for years of mis-representing and reporting my actual credit history information? Enough is enough!
Product: Credit card or prepaid card

I was under contract on condition of peonage and experienced bank fraud, mail fraud, identity theft. I discovered what was happening and tried to dispute my claim but the bank deprived me of my rights under color of law. I sent a civil complaint to the attorney general as other banks including this one are involved. I am giving the bank the opportunity to view my civil complaint and to remedy the damages that were done and to return all funds to me. I am still being extorted for counterfeit debt and my financial assets are drained. This is a controversy and conspiracy of authorized agents being complicit in active fraud and not helping consumers. They do not know the law and the rights of a consumer and need to be investigated.
Product: Credit reporting or other personal consumer reports

I have one collection account and 4 inquiries on my credit report I do not recognize.

Which includes : Leafy Finacial LLC for {$3400.00} Date of this account is XX/XX/XXXX. I disputed this account multiple times. I called to tell them I do not recognize this account and it still remains on my credit report. Also there are 4 inquiries which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no knowledge of any of these accounts.
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 Equifax 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 Equifax 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 XXXXXXXX XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'am a victim of identity theft. This account doesn't belong to me. 
I never heard of this company or done any business with them. 
Someone is using my credit to purchase items fraudulently. 
I was alerted Experian someone was trying to apply for credit card in my name. 
I have attached my ftc report items are fraudulent. 
I demand immediate removal.