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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Credit Reporting Agency Violations Dear Director XXXX, This letter is to formally file a complaint against Equifax, XXXX, and XXXX, the XXXX  credit reporting agencies, for violations of the Fair Credit Reporting Act ( FCRA ). 

I have repeatedly disputed the following accounts on my credit report, claiming they are inaccurate and potentially fraudulent : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX This account appears to be falsely reporting ongoing activity, despite being closed in XXXX. ) Despite my disputes, the credit reporting agencies have failed to : Provide verifiable documentation to support the validity of these accounts. 
Conduct thorough investigations into the accuracy of the information on my credit report. 
Remove the disputed accounts from my credit report, as required by the FCRA. 
Furthermore, I am concerned about the potential impact of recent data breaches at major companies like XXXX, XXXX, XXXX XXXX, and Equifax on the accuracy of my credit report. These breaches may have exposed my personal information, increasing the risk of identity theft and fraudulent accounts being opened in my name. 

I request that the Federal Trade Commission : Investigate the actions of the credit reporting agencies for potential violations of the FCRA. 
Order the credit reporting agencies to remove the disputed accounts from my credit report until a thorough investigation can be conducted. 
Take appropriate enforcement action against any credit reporting agencies found to be in violation of the FCRA. 
I have attached copies of my credit reports, copies of my dispute letters, and any other relevant documentation. I look forward to your prompt attention to this matter and the resolution of these serious credit reporting issues. 

Sincerely, XXXX XXXX
Product: Student loan

Second time I am contacting. My account is through AES. Risking defaulting on my loan because they wo n't work with me to come up with a payment arrangement I can handle for my income. I make {$12000.00} a year right now. I have explained this, and they wo n't listen. Told them I am still looking for a job in my field. First time I contacted cfpb, AES sent me forbearance papers in the mail. Surprised, I signed them and mailed them back. No contact or communication from them, just papers. Today, I get a response on the forbearance..denied. Because I will not pay what they are demanding, {$340.00} a month.. I 'm not saying I wo n't pay I just need someone to work with me, and they wo n't. Im agervated and disgusted, and feel my credit is probably going to be ruined.
Product: Payday loan, title loan, or personal loan

I paid my account off on XX/XX/2018 and I am being told that it would take 10 to 14 days before I get my funds back on the account. This excessive time frame was never disclosed. When closing an account out at a bank it does not take 10 to 14 days. Typically a bank will give you your funds the same day the account is closed. I called an asked for an explanation of the 10 to 14 days and no good explanation was given. According the to the person I got on the phone the bank has some sort of things they need to check on the account which does not make any sense. Rep could not explain any thing further.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experia 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting or other personal consumer reports

My husband and I sold our mortgage with XXXX XXXX XXXX XXXX XXXX XXXX loan # XXXX ) on XXXX XX/XX/year>. However, the buyer 's financial institution ( XXXX XXXX XXXX ) did not pay off, within a reasonable time, our outstanding mortgage balance with XXXX. Naturally, XXXX kept sending mortgage statements and reported late payments to the credit bureaus. We contacted XXXX multiple times throughout XXXX and XXXX letting them know about the house sale. This has adversely impacted our credit report with delinquent payments. 

Before I proceed with a legal route against XXXX XXXX XXXX due to fiduciary negligence ( for holding our house sale money and negligently paying off our mortgage balance two months late ), I want to seek a resolution by removing all mortgage late payments marks from our credit report since we did not own the house ( asset ) after XXXX XX/XX/year> and it was XXXX XXXX XXXX fiduciary duty to cancel our mortgage with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX in XXXX of XXXX, stating that there was an amount owed to XXXX XXXX XXXX XXXX. When we canceled our car insurance with XXXX XXXX In XX/XX/XXXX we were unaware of any unpaid balance. We did not receive any letters for a bill for an unpaid balance from XXXX XXXX, Nor did we receive collection attempts from XXXX XXXX. When I received the letter from XXXX XXXX XXXX I called their toll-free number, And explain to them that we were unaware of any unpaid balance due to XXXX XXXX and that I would have to contact them to get the details. Once I contacted XXXX XXXX I was explained that we were built in arrears, And that when we canceled the car insurance policy there was still a balance to be paid. I then called XXXX XXXX XXXX and settled the unpaid balance immediately, with the agreement and understanding that XXXX XXXX XXXX would not report any delinquent or due balance to any of the credit reporting agencies. 

In XXXX of XXXX, I noticed that XXXX XXXX XXXX had reported to Equifax, XXXX, and XXXX, a collections account that had a {$0.00} balance I used Equifax, XXXX, and XXXX 's Dispute process, To dispute the account information. XXXX has since removed the account from the credit report. 
However it still remains on the Equifax and XXXX credit report.
Product: Checking or savings account

XXXX XXXX I got a notice from ID Notify that my social security number had been found online. I talked to ID Notify and place 1 year fraud alerts at XXXX, XXXX, and XXXX. I filed a police report as well as a report at ssa.gove. I didn't think much of it after that and felt like I had done what I needed to do. Fast Forward to XXXX .... XXXX. In XXXX, I got a package of checks, a debit card, and an account statement for an account at TD Bank. This account was in my maiden name with current address and old phone number. XXXX. I called and asked them to close the account but never received confirmation. XXXX. I called their fraud department to confirm account closure. I never received written confirmation and was told I would not since I " did not open the account. '' XXXX. Following this incident, I placed a security freeze AND 7 year fraud alert at the following places in XX/XX/2021 XXXX XXXX XXXX ( only 1 year due to error* ) XXXX XXXX XXXX XXXX XXXX lost my paperwork for the 7 year fraud alert, so there is only a 1 year alert. I sent it to the address on the form and when I called to confirm, they said I needed to send it to a different address. The XXXX fraud department says to mail paperwork to XXXX XXXX XXXX but the global consumer service dept says to mail the forms to XXXX XXXX XXXX ( same address on the extended fraud alert form ) I called 3 times, and no one could ever help locate my paperwork and they don't have a system in place to even address that, and I never got consensus on the correct address. At the same time I mailed the XXXX paperwork, I mailed XXXX and XXXX with no problems. XXXX. I also placed a 5 year opt out of all offers for credit cards and loans and insurance at optoutprescreen.com. XXXX. I worked with a " Restoration Officer '' from XXXX. She confirmed I had taken all the necessary steps. XXXX. Now, XX/XX/XXXX, I received a second packet of checks for TD Bank with a different account number... I called and asked them to close it. They said they did and that they " filled out a report '' but they can not give me any written confirmation " since I did not open the account. '' I don't feel confident that either accounts have been closed, as I have not received confirmation. I also am very surprised that with all the precautions I have in place TD Bank would even allow for an account to be opened in my name without confirming.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My credit card was used without my knowledge or permission and multiple charges were made on my card that I did not authorize. I reached out to the company and was advised that due to fraud I would not be responsible for charges but recently checking my credit I saw the charges on my card and no one is assisting with my issue. My credit card information, id, and phone were stolen and charges were occurring on my cards. I did not immediately notice this because I was not able to check my account due to my information being stored on my phone and I was getting ready to leave for a work trip. On the trip I noticed 2 of my credit cards missing but I did just assume they were home and did not know they were being used. 
XX/XX/XXXX XXXX XXXX  XXXX  {$150.00} XX/XX/XXXX XXXX  XXXX   XXXX  {$180.00} XX/XX/XXXX XXXX  XXXX  XXXX {$150.00} XX/XX/XXXX XXXX  XXXX  XXXX  {$170.00} XX/XX/XXXX XXXX XXXX XXXX {$17.00} XX/XX/XXXX XXXX XXXX  {$130.00} XX/XX/XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX  XXXX  {$21.00} XX/XX/XXXX XXXX SC {$100.00}
Product: Credit card or prepaid card

XXXX XXXX I applied for a capital one spark credit card and was discriminated against by CAPITAL ONE because they could not knowingly and willingly commit fraud againt my social security number. I applied for the card and filled out all pertinant information and was denied because they could not access my locked credit file in order to violate my rights. they violated 18 USC 894 and did adverse action against me because they could not gain acess for unauthorized use of my social security card to credit their account then denied me for the product.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

While attending XXXX Florida XXXX I was enrolled in the XXXX course. On the date of my last attendance I was scheduled to be going out to do my XXXX with all of my course work completed and only XXXX weeks remaining. I had received a letter that was later confirmed by the course director and the professor that taught the XXXX classes. This letter stated that XXXX Florida XXXX had failed to renew their certifications leading to their XXXX students no longer being recognized or able to be certified in their course of study. I left the school that day is disbelief that all my hard work and study meant nothing. I never returned to the school. They promised job placement but, because they were no longer certified or recognized was not going to be able to obtain a job. My student loans went into default because I was unable to pay them back. When recently inquiring about reenrollment to XXXX XXXX XXXX I learned that what had happened to me was not legal and I should dispute my loans. I would love to be able to return to school and complete my course of study with a XXXX and peruse my dream XXXX. I was informed that I was unable to attended college because my loans were in default and I would have to make payments for XXXX consecutive months in order to be eligible to reenroll. I sincerely hope that there is a way to wipe me debt of student loans since there promise was not fulfilled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a collections company that is not providing me with any information. I contacted my insurance company XXXX and the collector XXXX to see why was I charged a bill for {$580.00} that I did not know about. Was told by XXXX that they reached out to the hospital about charges but there are no records and I have reached out to them as well. I reached out to XXXX  and all they are saying that I have a collections but no proof of what the charges are for. The bill I got for the hospital was paid and the doctor did not do anything for me. I basically paid to get my XXXX XXXX took because my XXXX XXXX XXXX had left before they could get a doctor. I was not given anything and was told to see my XXXX  which I did and she was paid through my insurance XXXX. I have requested for Equifax to provide me with documents from the doctor of charges because I have insurance that pay majority of all my medical bills. No one can provide records and I need to see what I am being charged for. Now I have a collections on my credit report and I do not know why. Bureau is not giving me any information on what they are being told by collections agency so these disputes are pointless. I pay my bills on time so this is very frustrating that no one can provide me what I am asking for. Also, the amount changed after the first dispute and I asked about that but got no response. What is the point of providing my proof when these companies are not providing me with anything. If this is the case any company can say I owe them. None of this makes sense to me and I would like a detailed response not a generated reply.
Product: Credit reporting or other personal consumer reports

XXXX has been reporting a dlinquant account under my credit report which I do not recognize and no other Bureau show either. I have disputed the information on : XX/XX/XXXX to which they responded in XX/XX/XXXX - only responding that the line of credit from that company ( TALLY TECHNOLOGIES INC ) has certified the existence of the account - but didn't not provide any document. 
After calling to no avail, I reponed another dispute on XX/XX/XXXX, which resulted in TALLY charging off the account in XX/XX/XXXX. 
I reopened the dispute in XX/XX/XXXX and now XX/XX/XXXX to absolutely since the account still continues to produce additional charges that keep impacting my score with no resolution or element of proof from either XXXX or Tally. 

I have no idea what/who is TALLY ; and my XXXX score is in the XXXX for the past year and a half when it was in the XXXX before that fraudulent account. 

More info on the aforementioned account : Account info Account name TALLY TECHNOLOGIES INC Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$390.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance - Highest balance {$1500.00} Terms - On record until XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act CONTINENTAL FINANCE COMPANY Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My personal information, such as my I.D, my debit card numbers, social security card and birth certificate, has been stolen and comprised. I reordered my debit card, social security card and I.D . I also went to the police and made a report. I did not authorize or sign for this loan.
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 thier platform, leaving my account vulnerable and unprotected. Furthermore, thier dispute resolution process was unfair 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 violation.
Product: Payday loan, title loan, or personal loan

In the month of XX/XX/XXXX, I applied for a payday loan with Ace Cash Express. On XX/XX/XXXX, I received an email stating I was denied for the loan due to " poor loan performance with us ''. I have never obtained a payday loan before, and I have never applied for a loan with Ace Cash Express. I immediately began to think my identity has been used to obtain a loan. I reached out to customer service, and was advised they would not be able to look into why that reason was emailed to me. I explained I need to speak with someone, and customer service directed me towards a corporate email. I emailed the corporate email and never got a response. Till this day, I have yet to hear from Ace Cash Express on my identity fraud issue, if their is any in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a CREDIT FREEZE on all 3 reporting agencies. The only one is TRANSUNION that let " XXXX XXXX '' ( XXXX XXXX  ) some how put hard inquiry on my credit report. How can a company get through a credit freeze that has been on for two years.
Product: Debt collection

They called at night, I explained that because of my work schedule calling at XXXX was inappropriate. They said it was a business matter. I told them to call during business hours, because of my work schedule I am home during normal business hours. I asked them to document that I asked them to call during business hours, XXXX times. Then I sent a letter. Tonight I got a call and had to ask the caller their name XXXX times, they finally asked me why I need their name, I told them I want it for my records, I was told their name is XXXX. I explained AGAIN about business hours and the letter sent. They said they 'd get a supervisor. They put me on hold then came back and said their supervisor says they are allowed to call at XXXX but they can note the account to call at XXXX. I said, no, business hours. You said it 's a business matter, call during business matters, I was again ignored. They do n't care about when they call, and yes XXXX is cheating, you can call legally UNTIL XXXX and when I requested they not, more than once AND sent a letter, they still did n't heed any of it.