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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : # :, XXXX XXXX XXXX XXXX Account name : 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. 16815-2 ( AN1 ) 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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a payment of {$1500.00} to Capital One Venture card by transfer from my Capital One checking account on XX/XX/XXXX, XXXX.I appears that transfer was accepted and deducted from my balance. I made the exact same transfer of another payment of {$1500.00} from the same checking account on XX/XX/2023. Both payments would have put my account balance below my credit limit. On XXXX XXXX, a small automatic payment was declined because it would put my balance over the limit. 
When I called the bank, they informed me that, because I had to close a previous checking account and open a new one due to fraud, the credit card division was holding the deposit for XXXX business days before making the funds available. I had not been informed of this before. The new checking account was in good standing, and I had deposited the fund into the account in cash. I can't effectively use this card under these conditions. I can not open a new account at this time because the fraud has temporarily affected my credit rating. 

Below is a copy of the email I received : Venture Credit CardXXXX Make a payment to help avoid future declines. 

Hi there, Your {$16.00} purchase at XXXX on XX/XX/XXXX was declined because it would have put you over your {$12000.00} credit limit. 

If you make a payment now, it often will be reflected in your account immediately, but can sometimes take 1-2 days. 

Balance summary Credit limit {$12000.00} Current balance and pending charges {$11000.00}
Product: Debt collection

I noticed that this was on my credit report almost six months ago. I reached out the billing agency at the hospital to let them know I never received a notice and to advise that I had XXXX that was not billed. I told them I never received a notice from a collection agency or even their facility to advise me that I had a balance. I was told I would receive a copy of the HCFA 1500 form ( which I never received ). I asked that this be withdrawn from collections and filed to my insurance but that still has not taken place. This hospital has violated my right as a consumer to dispute or even validate this debt within a 30 day timeframe but I still have not received validation. I have disputed this account several times through the three credit bureaus to which, this has never been XXXX XXXX on my credit report. I see that this company has currently been sued and I plan to seek litigation myself if this is not removed from my credit file immediately due to their several failed violations.
Product: Credit card

XX/XX/XXXX credit card paid in full {$1400.00}. This was paid prior to the due date which was scheduled to be paid on XX/XX/XXXX.
Product: Credit card or prepaid card

In XXXX of 2016 Citibank mailed an unrequested credit card to an unsecured mailbox, located at an address I was no longer occupying. This card, which was issued in my name, was stolen and activated by an unknown person. During a period from XXXX to XXXX of 2016, numerous fraudulent charges were made to this card. These charges were added to my credit card balance. I never had possession of this card. 

I was paying off a previous balance on this Citibank account, but had not made any new charges to it for many years. Because I did not to my knowledge have an active card with Citibank, I did not notice the fraudulent charges. When I became aware that the card existed and had been stolen, I immediately informed Citibank of the fraud. The account was frozen. 

The customer service representative at Citibank told me that the charges would be investigated, and that Citibank had policies in place that protected consumers against fraud. Meanwhile, the charges were not removed, with the exception of two items equaling about {$65.00} combined. The interest on the fraudulent charges continued to accumulate. 

I have contacted Citibank repeatedly since I reported the crime, and also mailed a letter to Citibanks credit card fraud investigation department. I have never received a response to my inquiries. Citibank never notified me of a resolution of this case or gave me any information on the purported investigation. Each time I called, the representative only said that the matter was still under investigation. 

Some of the charges were made to out-of-state entities, which means that the identity thief purchased goods or services via the U.S. Postal Service, a parcel delivery service, or over the telephone. For these transactions the unknown person likely used his own contact information. I believe that investigation of the details of the fraudulent charges would show that the charges were not made by me. 

The total sum of fraudulent charges made to the account is {$6600.00}. The interest charged during the period in which the card was active reached approximately {$720.00}, and has continued to accrue since then. I make monthly payments to this account. The fraudulent charges have made it extremely difficult to pay off the balance that I legitimately owe. Also, I have no way of knowing whether I have already paid off this amount. 

Thank you.
Product: Student loan

I Have been paying my monthly payment as I have been requested to each month for nine months to get my loan back in good standings and out of default, Fh cann asked me to fax over paper work back in XXXX after I found out my taxes were taken and I could set up payment to be back in good standings and off off the offset list. I was asked to fax over tax forms and pay stubs alone with employer info which I did along with my terms and condition form ( I have fax confirmations and emails. ) Without this form i will not be able to go back to good standing within 9 months, I have been contacted several time throughout the year stating they did not receive the form. But they received all other forms? I have faxed emailed and mail this letter nemours times in hopes that this would be settled. Only to get a call back months later to say they still have not received all the paper work but yet still taking payment from my bank account. I tried reaching out to management which is always busy and cant get on the phone, ask for corporate number with no luck and being told that I need to call the same XXXX number as customer service ( XXXX ) I don't know where My money is being sent at this time all I know is that I am making payment. Tried to reach out to Department of education with hopes of getting somewhere unfortunately I've been told they can not help me at this point until Im in good standing.Which I should be at this point but I feel im getting no where with this company. I need help Because as a single mother I cant afford to make these payments not knowing where they are going and to have my taxes intercepted again when in reality Im doing all that I should be doing.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit reporting act. The list of accounts below has violated my XXXX protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX REVENUE # XXXX Has violated my rights I look at my XXXX report XX/XX/year> and noticing things are incomplete and not accurate. And according to the Fair Credit reporting whenever a consumer reporting agency prepares a consumer report itself follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1681 ( E ) ( B ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is to be found inaccurate or the 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. 
And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has a reasonable cause to believe that information is inaccurate. 

Delete accounts account name account number from my credit report because of these multiple violations of the Fair Credit reporting act.
Product: Student loan

I have student federal student loans. And for 3 years, beginning in 2011, I was contacted by many people from different companies, claiming that they could help me " consolidate '' my federal student loans. They told me that President XXXX, came out with ways so that us borrowers could now consolidate our student loans. 
Initially, for a few years, I did not respond and simply hung up on them, I do not know how they got my phone number to began with. Finally, after many telephone calls of constant pressuring me I listen to XXXX of these callers and they told me they would consolidate my loans for a fee. And for a year I paid this fee and an initial fee and when they " so called, consolidated my loans '', I was totally dissatisfied with who they consolidated my loans too. They put them all with " Great Lakes ''. I did not want them to be with Great Lakes and when I told them I was not satisfied with what they done to me, all they said was, " well, its done and there is nothing we can do about it, be glad they are consolidated. '' So now I am stuck with this Great Lakes company that I do not know and do not trust. I wanted to have XXXX XXXX consolidate all of my loans. 
I believe that I was used and thrown away, because they took my money and did not advise me in any way, shape, or form, as to what my possibilities/options were for companies that consolidate federal loans ; or explain anything to me. I was used and lied to. 
Is there any way that I can get my loans away from this Great Lakes Company? Would appreciate your help, I am sick of being used. I am a veteran and served my country honorably, I deserve to be treated better. 

Thank you.
Product: Student loan

I responded to a promotional rate for refinancing student loans that I believe was a fraudulent offer, wasting considerable time. Other lenders have approved my application and I was shopping for a more competitive rate, that was offered by XXXX Citizens Bank declined a refinancing application for current student loans, stating insufficient income. What is significant is that I have an XXXX credit score, earned in excess of $ XXXX per year for the last three years, and $ XXXX for the last XXXX, and have virtually no debt outside of my mortgage ( {$1500.00}, and a {$500.00} car note ) and have been a bank customer for over a decade. All the loans are in repayment, and current. I would like CFPB to investigate, as this is either a fraudulent offer, or the bank is engaged in discriminatory practices as I am XXXX, and seeking a loan with a 5 year term.
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. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

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

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXXXXXX... 
XXXX XXXX  - XXXX... 
XXXX XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Checking or savings account

I received a phone call from a chase XXXX XXXX, and was asked to transfer my money from XXXX to supposedly my new checking account, asking me to transfer from my old account and put it into a new account, causing me to lose the money via fraud, it was not my new account they convinced me it was legit and that I had to secure a new account since the bank compromised my current checking account and savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a vehicle loan with XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, I paid off the loan full, with a XXXX dollar balance, thus closing the loan. The XXXX XXXX XXXX account remained opened and showing a balance due, so I filed a dispute with XXXX, XXXX and Experian. I also filed a credit reporting dispute directly with XXXX XXXX XXXX to indicate that they were not reporting my account as paid in full with a XXXX balance. On XX/XX/XXXX, XXXX XXXX XXXX deliberately reported inaccurate and false information to the three major credit bureaus, in which they indicated that the account was still open and had a balance of more than {$7000.00}. I received a paid in full and lien release letter dated XX/XX/XXXX, from XXXX XXXX XXXX, in which they state that the account is paid in full, has a XXXX dollar balance and that they have released the lien on the vehicle. At the same time, they were still reporting false and inaccurate information about my loan account to XXXX, XXXX  and XXXX, despite their letter to me and despite the fact that my loan account had been paid in full as of XX/XX/XXXX. After trying to resolve this several times directly through XXXX XXXX XXXX and through the credit bureaus, I got no where, and my credit report contains deliberately inaccurate information about my XXXX XXXX XXXX account. XXXX XXXX XXXX is knowingly supplying the credit reporting agencies with inaccurate and false information. My loan account is closed and paid in full with a XXXX dollar balance, and it should be immediately reported to the credit reporting agencies as such.
Product: Credit reporting or other personal consumer reports

I am submitting, for the third time, information that shows my XXXX account balance, which is being incorrectly reported on my credit report as XXXX seperate accounts ( double what I actually owe. I have submitted complaints XXXX to the CFPB regarding Transunion 's refusal to remove this incorrect information from my record. It appears that Transunion is not investigating these claims as required by law. If a human were involved in this dispute and reached out to XXXX, this information would have been corrected when I first disputed it three months ago. This is my last complaint to the CFPB before I plan to move forward with litigation. After the second complaint I filed, Transunion responded that they would follow up with more information via postal mail and never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan was taken out on XX/XX/2014. The last payment received was XX/XX/2014. This company has been reporting missed payments past the 120 day mark for the last 5 years hurting my credit even further. They have kept the account open, updating the balance due to interest accumulation that shouldnt of happened. There are several different balances showing for the payoff using multiple services for collection.
Product: Debt collection

Hi, on XX/XX/2019 the main 3 credit bureaus received via certified mail my request asking for proof of this account a collection company has placed on my credit file, The credit bureaus have responded to me that this creditor EOS CCA has verified my information with them and that the account is accurate. EOS CCA sent me on XX/XX/19 a letter with my name and address saying the original creditor is XXXX XXXX XXXX with a due bill of XXXX. I sent them a letter on XX/XX/2019 that they received via certified mail asking them to send me proof that I have opened this account with them, I told them this account is not mines, I have never in my life opened any account with XXXX  XXXX. This does not belong to me. They have not responded to me and continue to report this collection account to the credit bureaus inhibiting my ability to obtain credit, mortgage etc. I would like this account deleted please from all credit bureaus. I have NEVER opened any account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX I was reported erroneously to the credit bureaus by my mortgage company XXXXXXXX XXXX for a late or missed payment in the XXXX, XXXX and XXXX. Because this information is incorrect, I submitted a XXXX XXXX XXXX to XXXX on XX/XX/XXXX and they have refused to work with me and remove their reporting in error. Instead, they claimed they investigated and will not make any changes. This error negatively impacted me and my family with the ability for qualifying for any loans and our financial goals. To further demonstrate their error I will attach the response letter from XXXX, digital image of proof of payment, and bank statement for the the months of missed payment in question.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 
Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.

Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.