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

I recently reviewed my credit report and discovered numerous inaccuracies and questionable entries that require immediate attention. These include : Late Payments on Accounts : Several accounts, including those with XXXX, XXXX XXXX, XXXX, and XXXX, are inaccurately reporting late payments. These errors violate 15 U.S. Code 1666, which addresses billing errors. The reporting inaccurately reflects my payment history, and these accounts should be updated to " paid as agreed/never late. '' Unverified Debts : Multiple entries from companies such as XXXX, XXXX, and others are listed without proper validation of the debts. Under 15 U.S. Code 1692g, I have the right to request verification of these debts. To date, I have not received the required documentation, such as the original signed agreements or proof of the creditor-debt collector relationship. If validation can not be provided, these debts must be removed from my report per legal standards. 

Unauthorized Hard Inquiries : My report contains unauthorized hard inquiries from entities like XXXX, XXXX, XXXX, and others. These inquiries were made without my explicit consent, violating 15 U.S. Code 1681n ( a ), which establishes civil liability for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). These inquiries negatively impact my credit score and must be deleted. 

In summary, my credit report contains numerous violations of the FCRA and related laws, including inaccurate reporting, failure to validate debts, and unauthorized inquiries. These errors are damaging and must be corrected immediately to comply with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information with all three consumer reporting agencies : Transunion ; XXXX ; XXXX has different varies of my name. They have the Wrong Social Security Number. They have different phone numbers and addresses that is not mine. I want all document information removed and for them to stop reporting inaccurate information
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 systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, casing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try to settle this with USCB and they wont do a paid for deletion even though I should have never been sent to collections. I NEVER received a bill from XXXX. I was willing to settle this but now am just mad that USCB is fighting me on this. I feel this should be settled and deleted off my reports since this was not my fault and if i would have got a bill I would have paid this would not be happening.
Product: Credit reporting or other personal consumer reports

this GENERAL MOTORS COMPANY credit account has been charged off. so this means that GENERAL MOTORS COMPANY has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681XXXX ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of 1933 and 1934.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : XXXX XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX  XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXXXXXX fraudulent account XXXX XXXX XXXXXXXX. fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX. XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, BBB, CFPB XXXX XXXX I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.
Product: Checking or savings account

On 2017XXXXXX, my checking account was overdrawn by {$170.00}. My savings account was linked to the checking account for overdraft protection, and I had setup automatic overdraft protection in the event that my checking account was ever overdrawn, and a {$12.00} fee would be applied for any automatic transfers resulting from the overdraft protection of my checking account.
<P/>
On this date, my savings account balance was {$5.00}. Since my checking account balance was - {$170.00}, the automatic overdraft protection was initiated and my savings account balance of {$5.00} was transferred to my checking account to cover the deficit. Luckily for me, I have the financial support necessary to deposit {$510.00} into my checking account via the bank 's mobile app to cover the deficit in my checking account, and I spoke with the bank support team and confirmed that they {$5.00} would be transferred back to my savings account and I would not be charged the {$12.00} automatic overdraft protection fee since I made the {$510.00} deposit to bring my checking account balance back into the positive.
<P/>
The basis of my complaint is that the amount automatically transferred from my savings account into my checking account was not even sufficient enough to cover the {$12.00} fee that would have been applied to the overdraft protection transaction, let alone cover the deficit in my checking account. So the net result would have been - {$6.00} ( {$5.00} minus {$12.00} fee ) being applied to my checking account balance of - {$170.00}, and I likely would have incurred an additional overdraft fee of {$35.00} on top of that since my checking account balance would still be in the negative. This type of exploitation is a perfect example of the predatory fee practices that banks practice which significantly contribute to lower income individuals being unable to climb out of debt and perpetuates a vicious cycle of high interest payday loans and hefty overdraft fees required to keep an account in " good standing ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has an account listed on my Credit File that is from XXXX Store Card Acct number XXXX and they are reporting this account and showing a negative payment history. I was never on this account, I never had any financial ties to this account. I am demanding that Transunion REMOVE this account from my file as it is not my account. If they would bother to verify the information they would see that the account is not mine, never was mine and should not be reported against me. You have 30 days to remove this before I have my attorney reach out to you.
Product: Debt collection

XXXX put me in collections after they agreed to cancel my contract because of bad service in the XXXX Fl area and it is now appearing on my credit report XXXX years after the issue was resolved.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Debt collection

I received a small personal loan from XXXX, however they closed down and I got a surprising email referring me to SST? I get about 10 calls a day at random times of the day. I can not access my online account or any specific information regarding SST, which is why I have not been paying to them. I chose XXXX because they wouldn't impact my credit score and there wasn't significant interest. I am feeling stuck on what to do and am not getting answers from SST.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't ignited the account this company is placing on my consumer report. I tried numerous of times to delete this information from my consumer report and the company did comply by removing the alleged debt from my consumer report. However, they are still reporting the account on the other two reporting agencies. Instead of a deletion the company decided to decrease the debt 50 % turning alleged debt to {$3500.00} then months later sent another letter decreasing the debt more, now the debt is {$1700.00}. However, on my consumer report the debt is still reporting {$3500.00} which is misrepresentation and additionally ignoring my originally request which is to have the alleged debt deleted. I haven't received any supporting documents stating that I started the alleged debt or how the debt was verified by the company.
Product: Debt collection

An Account with CapStone CC showed up on my credit report for an account with 09 The Park At XXXX XXXX. I sent a letter via certified letter 3 times which the company received. The tracking number with USPS is XXXX. This was sent to the bureaus and they directed the message and nothing was done. The company has not sent me any documents validating this debt and is ignoring the fact that this is IDENTITY THEFT. I sent them documents to prove its not mine and they have been ignoring my letters and not removing this account that IS NOT MINE off my report. I requested the agreement between the collection company and the original creditor with my signature and ID showing this was me and they never responded. This is an apartment leasing company and im sure they would need ID before adding this to anyones credit. This account is still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX  {$6700.00} XXXX XXXX XXXX {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copied from the affidavit attached ) ******
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Furthermore, how can you consider my account late as the last payment dates are totally different from each other to all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act conversion, the following 13 accounts violated my rights 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 usc 1681 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. I am hereby requesting the following accounts be deleted from 3 credit reporting agencies Transunion, XXXX and XXXX. 
1. XXXX XXXX {$410.00} Acct # XXXX 2.XXXX XXXX XXXX {$62.00} Acct XXXX XXXX 3.XXXX XXXX XXXX {$630.00} Acct XXXX XXXX 4. XXXX XXXX {$360.00} Acct # XXXX 5. XXXX {$1200.00} Acct # XXXX 6.XXXX XXXX  XXXX {$2300.00} Acct # XXXX 7.XXXX XXXX XXXX {$350.00} Acct XXXX XXXX 8. XXXX XXXX XXXX {$870.00} Acct # XXXX 9. XXXX XXXX XXXX {$540.00} Acct # XXXX 10. XXXX XXXX XXXX {$11000.00} Acct # XXXX 11. XXXX XXXX XXXX {$60.00} Acct # XXXX 12. XXXX XXXX {$1300.00} Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  on accounts XXXX, has violated my rights.

15 U.S.C 1681 Sec. 602 A. states that I have a right to privacy.

15 U.S.C 1681 Sec. 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been reporting a different balance for almost 7 years on each credit bureau. This account has been removed from XXXX within the last 2 weeks but has not been removed from XXXX. I was unable to submit the screenshots online at XXXX
Product: Student loan

Between the dates of XX/XX/XXXX and XX/XX/XXXX, I made payments of {$3900.00} toward my student loans ( {$800.00} of this amount was made during the COVID forbearance that ended XX/XX/XXXX ). Based upon my payment scheduled, I was only required to pay $ XXXX/month or a total of {$630.00} based upon my payment schedule. When it was announced that borrowers who have made over 20 years of payments qualified for loan forgiveness, I called AidVantage on XX/XX/XXXX and again on XX/XX/XXXX to ask that any difference in what was paid for that time frame versus what was owed be refunded prior to loan forgiveness ( Roughly {$3200.00} ). Yet, AidVantage failed to even start, much less process my request. Each time I have called, I am placed on hold for hours, over XXXX hours on multiple occasions, by customer service agents who work from home where you often hear children crying or screaming in the background while they " supposedly '' are talking with a supervisor for information. AidVantage is failing consumers/borrowers! They make you rely upon what their rep is documenting in notes, refuse to send verification via email of the conversation, and then take the stance that the conversation never took place on the call when you follow up at a later date. The Federal Government needs to fine them for their lack of professionalism that is costing borrowers/consumers thousands of dollars. Are their reps even doing their jobs ... or are they putting consumers on hold while they tend to children, eat lunch, operate a second job, shower??? This practice needs to stop immediately. In my case, because of their willful neglect in documenting my request, I am now told that they were notified that my loan was forgiven on XX/XX/XXXX and they have no proof of my conversation back in XXXX so it is too late to process a refund. Assistance holding AidVantage accountable is needed. The one and only refund I received was for {$210.00} for a payment I made on XX/XX/XXXX. According to AidVantage, they only have to oblige to XXXX refund request and the {$210.00} was it. This sounds good for them ; however, I couldn't have made a refund request on XX/XX/XXXX or XX/XX/XXXX for a payment I didn't make for XXXX days after that date. Clearly deceptive practices.
Product: Debt collection

Account :  XXXX   XXXX  An agreement was made to delete their collections report from mine and my roommates account when the amount was paid. The amount owed was incorrect, I sent the lease to them, to get the amount corrected. They corrected the amount but then reported that we " settled for a lesser amount. '' It was not a lesser amount, it was the  CORRECT  amount. The balance was paid in full and they still remain on mine and my roommates credit reports.
Product: Debt collection

I have been receiving phone calls from a company everyday that all the voicemail said was regarding your account in our office and contact phone number on caller ID. Number on caller ID comes up hidden. Decided to call today. Was told that I owed over {$3000.00} on an old Citibank account from XXXX to XXXX. 

I denied that this debt existed. The representative on the phone proceeded to read off my current address and social security number. I requested that they send the information to me in writing. She declined stating that they had already done this. 

I repeated again that I would like the information in writing so that I could turn it over to my Police department when the individual hung up. I suspect that this is a scam.
Product: Credit card

My husband ( XXXX yr. old ) was the victim of " you won a prize '' type scammers. They abused him into giving them XXXX  of dollars in gift cards, bought with credit cards. Once I found out what was going on, I stopped it. I filed reports with police, FBI, FTC, our local district attorney, etc. 
California law ( we are CA residents ) requires that credit card transactions done UNDER COERCION must be deleted. 
I have been disputing the transactions my husband did under coercion and threats from the scammers, as " done under COERCION. '' But the credit card company stubbornly refuses to consider this and keeps saying, " These transactions are not fraud or stolen identity. Your husband did them himself. Therefore you must pay. '' They refuse to even consider COERCION and therefore refuse to delete the transactions. By doing this, in my opinion, they have joined the scammers in their crime of elder abuse.
Product: Mortgage

On XX/XX/2019, I sent a PRINCIPAL ONLY payment to my lender of {$500.00}. ( The payment literally said PRINCIPAL PAYMENT. ) They only applied {$410.00} towards my principal. 

On XX/XX/XXXX, they issued a check for an over payment of escrow of {$330.00}. 

On XX/XX/XXXX, they applied {$19.00} to my principal. 

Why was my entire {$500.00} NOT applied to my principal as directed? This company did NOT have my authorization to do anything else with these funds.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things that are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts : [ XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXXXXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.