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

This is my second time going and submitting the appropriate information and I keep getting push back when I have provided all correct documents- They keep saying they have reached out to me for a second time but I never get that communication. Just as a reminder I have had consultation so I know I have provided the appropriate documents so please delete and block the information in the allotted time ( 4 Days ) so that I can move on please. I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under 605c according to Fair Credit Reporting Act ( FRCA ) I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW are required. Which I have provided both, my documentation as well as an attestation validated by XXXX representative. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the CFPB XXXXFCRA FINAL FACT. I have provided all appropriate documentation and I am in compliance under the Final Rule ( effective date July 25, 2022 ) which established me as a victim of debt bondage. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Very RESPECTFULLY, PLEASE DELETE AND BLOCK the requested information on this request which is the same as the previous request that you did not block. The documents that are need and included in my attached are ( 1 ) Proof of identity, I sent my CLEAR copy of my drivers license, ( 2 ) victim determination letter ( XXXX ) a self-attestation, provided that it is signed by a representative from a authorized XXXX. ( 3 ) Identification of adverse information I provided the adverse Items that needed to be deleted and blocked I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of this information from my credit report. Thank you for your understanding and cooperation. Please contact me by email at : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. I am a natural human being and I have rights under 15 U.S.C. 1681. I am submitting this CFPB complaint to address the Credit Reporting Agencies, XXXX, XXXX and Transunion, to request the complete removal of incorrect and unverified information from my credit report. I have been sending countless letters requesting XXXX, XXXX and Transunion to remove the item from my Credit Report. Yet, they have done nothing to resolve this issue. FCRA Section 611 ( 15 U.S.C. 1681 I ) states inaccurate and non-validated information MUST be deleted from the consumer 's credit report in accordance with paragraph ( 5 ) ( A ). I ask CFPB as a last resort for help addressing this ongoing negligent matter. I wrote to the original creditor and the 3 bureaus disputing the accuracy of the improper account mentioned below which is negatively affecting my credit accounts. The accounts are being reported as a result of an error and it's damaging my reputation. According to the Fair Credit Reporting act, the account with XXXX XXXX ( account number : XXXX, Open Date : XX/XX/2022 ) has violated my federally protected rights. I had no other choice left, but to submit this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting negative information without sending me copies of original documents as proof of verification, please understand that I will initiate legal action. 
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 an account without my written instructions. I have never given any instructions to this company to furnish this account. 
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. Checking the reported account, it has missing information reported in XXXX, Transunion, and XXXX. The information does not match across the 3 bureaus and it's not reported correctly. Account name, Status, Status Updated, Balance Updated, Monthly Payment, Past Due Amount, all these are reported differently and incorrectly and its missing information. These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$8900.00} XXXX {$5100.00} XXXX {$4100.00} XXXX {$10000.00} XXXX {$4500.00} XXXX {$2600.00} XXXX {$5900.00} XXXX {$6200.00} All the amounts and dates above were reported into my credit report, for a total of {$48000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name 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 an 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. 

This account was paid off XXXX XXXX XXXX  XXXX Credit Card {$0.00} Balance as XXXX Payment details Terms Revolving Payment status Paid, was past due 120 days Minimum monthly payment {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent certified letters to XXXX, Equifax, and XXXX regarding derogatory reporting and incorrect names/addresses/employers on my credit reports. All three bureaus stated that the information was removed but this is incorrect. I sent additional letters on XX/XX/2022 regarding the same issues, to which their response was the same. The last attempt was sent priority first class on XXXX XXXX, 2022. My name is misspelled, there are incorrect addresses, and past employers. I have included a copy of my driver 's license, social security card, and proof of residence with no adjustments to my credit reports. There are two accounts specifically that were reporting 30 days past due and I asked for verification with no response from XXXX, Equifax, or XXXX.
Product: Debt collection

after my sudden discharge for the XXXX XX/XX/XXXX Myself and Family did experience a long period of homelessness. In XX/XX/XXXXfiled my income Tax for the year and learned it was Taken by the XXXX XXXX without explanation. I did pursue and completed the forms to get the information this is when I discovered That Army & Air Force Exchange Services ( AAFES ), had claimed all my moneys for Non-Tax Federal Debt. I took the necessary steps with the IRS XXXX to find out why. In approx. 30 day I received a Notice From AAFES Their intent to file for payments under the XXXX XXXX. This was after they had already taken action and had made no attempt to contact me in any form. I did acknowledge that I did owe the amount of XXXX. The Dept of the Treasury did send me notice that Four ( 4 ) Different payments were made to them ( Refer to attached ). So the IRS Did pay to AAFES XXXX  XX/XX/XXXXand XXXXXX/XX/XXXXof which only XXXX was owed. I have called and sent letters of dispute to AFFES and their XXXX XXXX XXXX which is part of AAFES several times and the amount owed keeps getting more and not corrected. I even pointed out the accounting Errors of where the totaled owed had XXXX  accounts already accounted for added back in. I did receive from them an accounting on my account which reflect XXXX  unaccounted for. I did send a letter explaining their mistakes and the form from IRS XXXX Reflecting the amounts. They did a investigation and will not change the fact they did receive the moneys, clearing up my account removing the False information from my credit report and to stop further collection actions. They have received an over payment of {$4100.00} and still want another {$2300.00}. This account paid in full XX/XX/XXXX and all interest charges are false, and do not apply. I would like my over-payment of {$4100.00} returned and credit cleared along with a letter directing IRS XXXX XXXX to cease collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB COMPLAINT Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX  that opened last XX/XX/XXXX, AMERICAN EXPRESS that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATIONXXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX to XXXX, I saw a lot of pre approvals on Credit Karma. At first I ignored the information but, Credit Karma continued to send me several pre approval offers stating that I was pre-approved for credit cards, personal loans, and I can refinance my automobile. I would see offers every day I would log on to check my credit scores. So after a few months of being told that I was pre approved I thought I was now in the perfect place to apply. I got so many offers thru Credit Karma I started telling my friends and family about vacations and investments we were going to use these pre-approvals for. So I finally applied on or around in XXXX I got denied for 3 credit cards and a 2 personal loans, I was a little angry and disappointed because of the denials, and I felt deceived. I was heavily marketed too for months. So Credit Karma told me I was pre approved which was untrue. I was very stressed due to the untruth that was presented to me. My anxiety went form 0 to 100. Every time I see pre-approvals I get stressed out and uneasy. This was a trigger along with the Covid-19 pandemic that made me go into a downward spiral.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Jefferson systems reported on my credit report that I opened a XXXX account in XXXX. No such action was taken on my part Had XXXX XXXX  as my only XXXX since XXXX. I did the ftc fraud report and disputed it through XXXX. I sent over my report and all the necessary info. XXXX said they found it to be factual. But I havent even step foot into a XXXX store in over XXXX years
Product: Money transfer, virtual currency, or money service

ive reported my card lost or stolen multiple times and some how my card was still continuously charged on multiple occasions and ive tried to contact customer service about it and no one would help me
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A - Right to privacy 15 U.S.C 1681 section 604 A - states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1692K - CIVIL LIABILITIES XXXX  XXXX - XXXX - This account is reporting illegally and improperly XXXX XXXX - XXXX - Account should have never been reported to my credit, I also have a letter from the original saying it will be removed from credit report. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX - I have never attended this school XXXX XXXX XXXX XXXX XXXXXXXX - I have never attended this school. Letter is attached Review and delete ASAP. 

I just can't believe how you guys are verifying inaccurate and improper information, this has caused me so much stress.
Product: Debt collection

This company called ( XXXX ) continues to call, today XX/XX/XXXX they called at XXXX XXXX  which happens to be a Sunday. I continue to block the company than they use different numbers : XXXX a XXXX XXXX XXXX man who owes no money to anyone, why are they calling me? I get at least XXXX calls a week. Every time the call it takes minutes off my phone. 

Now they are calling on Sunday. Please help me to stop them, if they call me again on Sunday I will do my best to sue them.
Product: Checking or savings account

They took out XXXX, XXXX, XXXX and XXXX. Then when I was talking to one of the representatives, I had the application open and it seemed to me that they were trying to get another XXXX dollars. The company only returned XXXX to me and lost the other XXXX and they don't give me a reason for that money and not only to me, there are more testimonies from other people who have had the same thing happen to them.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX, Experian, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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.

" This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been disputing these charges XXXX2008. I contacted the original lender XXXX who was supposed to be working with XXXX XXXX with regards to the refund amount that was supposed to be sent back to the original lender. That was never completed by XXXX XXXX and the amount owed is inaccurate for only attending for a period of 8 months of a 2 year program. XXXX never sent a the original lender the refund required and the lender charged off the account due to XXXX never responding to the lender at the time so the lender sent the entire balance for collection. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Holder of my dept of education loans several times as well as the credit bureaus regarding XXXX XXXX XXXX XXXX XXXX inaccurate reporting of my account information. XXXX send paper billing with a balance of over {$7000.00} and a principle of {$5400.00}. Every month for over 2 years I send my payments in the amount paid has never been reported to the bureaus as a payment and reports as 0 % of my XXXX loan paid off. This is affecting the accuracy of my credit report. I, in turn, requested that XXXX send me a breakdown of my account and demanded they reported accurate payment history as well as balances. Because of this, multiple late payments reported to my credit report. It is obvious that my request was ignored as I have not seen any changes to my credit report. This is an obvious and blatant disregard for the Fair credit reporting act as well as my right to a fair and accurate report.
Product: Debt collection

Late payment was addressed as a computer gliche and a letter was written to company explaining as they had requested. My father was the cosigner on the loan and was affected by this. Once explained this was removed from his credit report and the account was paid in full to prevent any further issues. The letter was faxed on XXXX/XXXX/14 yet my credit was not adjusted and my fathers was. NJ Class Loan HESAA is the account in question
Product: Credit card

It has become more apparent that Capital-one could not provide a cogent reason why i got the short end of the stick '' interns of XXXX on my credit card, This conclusion perhaps based on their response, and the conversation with " XXXX XXXX '' an incompetent CAPONE rep. who said in our earlier conversation that, the reason for APR hike is on my account primarily based on my credit worthiness, but after refuting this claim by pointing out to her that my credit scored " A '', that this information on my credit is available on CREDIT TRACKER '' which is being offered by CAPONE.. she then say their decision is proprietary.. 
This proves to me that the Company is a complete FRAUD, The reasoning behind this decission seems absurd, and its an insult in every level.. I think as a consumer, i have every reason to know why decisions that affects my credit card and my finances were being taken.. it appears the reason behind will always be a mystery ... this just another way of swindling and using deception to defraud consumers.. I 'm looking forward to an amicable and favorable resolution, and i wo n't hesitate to expose this company " CAPITAL-ONE on a social media '' to every consumers feeling the pinch in silence.. 
XXXX
Product: Vehicle loan or lease

XXXX bills prepaid XXXX social security act signature is required to discharge debt loans are fraudulent due to XXXX bankruptcy so y the XXXX XXXX stole my car wen dey took my wet signature copy of the XXXX contract and turn it into treasury of state and for XXXX paid the 3rd day after I had possession NO FULL DISCLOSURE OF CONTRACT AND UP UNDER CONTRACT LAW is we 're the misleading practices come in but y'all XXXX now way the he 'll is up but try to keep us down and out not his XXXX XXXX XXXX I AM XXXX AND U XXXX KNOW DAT SO STOP PLAYING THE XXXX GAMES YO ....
Product: Credit reporting, credit repair services, or other personal consumer reports

My past bankruptcy is still being reported even though it is over 10 years now