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

Due to my all my credit report with out provide documentation my credit report is in good condition refuse to take it XXXX  XXXX XXXX shouldn't be on my credit report I paid my self balance in full I completed it earlier change my credit score with out verification illegally operation my personal information credit report agency I am tired of them doing me like that drop my score XXXX point with investigation correct paperwork
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX 15 U.S.C 1681 ( 4 ) 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. 15U.S.C 1681B 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. It is consider a violation, and each violation is a {$1000.00}.
Product: Credit card or prepaid card

I have a prepaid XXXX  Debit card from myprepaidcenter.com and issued by XXXX in the amount of {$75.00} which expired on XX/XX/22. I tried to use the card and was not able to due the expiration. I called the company and was told those funds are lost and can not be re-issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempt within a year and no results, from XXXX for false or inaccurate information. Obtaining variations of names, birthdate, addresses, SSN, telephone numbers and employers. References # XXXX that they assigned me. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Good afternoon, Consumer Financial Protection Bureau. 

Today I received a letter from ERC regarding a collection notice from XXXX XXXX on an account that I have disputed and it was found that it needed to be removed. 

The CFPB Claim No : XXXX Filed XXXX & CFPB Claim No : XXXX Filed on XXXX. 

I have been dealing with this matter since XXXX, We had submitted a complaint with CFPB XXXX XXXX : XXXX. It was requested that the account be deleted. 

on XX/XX/2020. I submitted another complaint on a notice that I received from XXXX XXXX with CFPB Claim No : XXXX. It was requested to be deleted. 

The reporting of this accounting violates the Fair Credit Reporting Act ( including but not limited to section 623-b ) & the Fair Debt collection Practices act ( including but not limited to section 807-8 ). 

I have received threatening letter and call about this account that has already been disputed. 

I really need you help.
Product: Consumer Loan

I had called to try to make arrangements to catch up my car payments, so around XXXX/XXXX/15 i called my car company and asked the representative to setup a payment on my account and to take out XXXX payments on XXXX/XXXX/15 ; I realized that she had included late fees, so I called today to adjust the amount because I could n't pay the late fees but was able to pay the XXXX payments as scheduled ; The representative said that she needs to get a managers approval ; Then all of a sudden I think her name was XXXX jumped on the phone ( now this isnt the XXXX time me and her didnt see eye to eye. She wanted to know the reason i was reducing the payments ; advised that i was trying to get the payments caught up and then i will pay the late fees ; she told me that according to my history I dont stick to my arrangements that I set up ; I then got upset and advised that she can cancel the payments all together and I will just come in and make the payments ; she was irate and belittling ; i ended the call because advised her that I will be late back to work soon. I called back to try to speak with her manager and to cancel the payments ; I was xferred back to her and I kept asking for her manager but she wouldnt give him to me ; I asked his name several times and she sd XXXX ; I asked to speak with him but then she was asked if I was going to terminate the call again. I dont want to deal with them as my car company any longer and am trying to catch up on payments so that I can try to make XXXX payments and just pay it off sooner, I feel like she was belittling me and kept referring to me being a collector myself I should know how it is ; I then told her I am not giving her permission to take any payments out of my account then and sd tht I cant stop them from taking what is owed. I will be seeking legal advise as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 



The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, Experian, and XXXX must remove these inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Complaint Against Credit Bureaus and Collection Agencies for Failure to Remove Fraudulent Information Due to Identity Theft Dear Consumer Financial Protection Bureau , I am submitting this formal complaint against credit reporting agencies and collection agencies for their failure to remove fraudulent information from my credit report, despite multiple requests and supporting documentation proving I am a victim of identity theft. 

Background of the Complaint : Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been opened in my name. 

Despite multiple requests, my personal information has not been updated as required by law. This failure to act has directly violated my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Requested Deletions from My Credit Report : Full Legal Name : Ensure my legal name is displayed accurately as XXXX XXXX only. 

Address Update : Remove all outdated and irrelevant addresses. 

The only address I request to be included is : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

Phone Numbers : Delete all phone numbers currently listed on my report. 

Social Security Number & Date of Birth : Remove my SSN and DOB from being displayed on my credit report for privacy reasons. 

Employer Information : Delete all employer details listed on my report. 

Data Breach Impact & Failure to Protect My Information : My personal information was compromised in multiple data breaches, which led to fraudulent accounts being opened in my name. Despite requesting fraud alerts and updates, credit bureaus failed to act, leaving me vulnerable. These breaches include : XXXX XXXX XXXX Data Breach Resulted in my personal information being exposed. 

Equifax Breach ( XXXX ) XXXX XXXX Social Security numbers, DOBs, and addresses leaked. 

XXXX XXXX ( XXXX ) XXXX XXXX customer records, including passport numbers, leaked. 

Experian Breach ( XXXX ) Millions of SSNs and credit histories were exposed. 

As a result, fraudulent accounts appeared on my credit report. Credit reporting agencies have refused to provide the method of verification for disputed accounts, violating the following laws : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification. 

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data. 

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting. 

Disputed Accounts & Inconsistencies : I am disputing inaccuracies across TransUnion, Experian, and Equifax, as discrepancies exist in reporting, indicating identity theft. I demand immediate investigation and correction
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items immediately. Thanks on my credit report. There are multiple errors shown in my report. Please verify that all items immediately. Thanks are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items immediately. Thanks and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This complaint is against NELNET, my student loan servicer. I was previously enrolled in a loan repayment program, Revised Pay As You Earn ( REPAYE ) Repayment Plan, for @ 4 years. Each year I was required to RECERTIFY to be approved. I granted access to my IRS filings to demonstrate my income in order to qualify for the program. In the process of RECERTIFICATION, I used the NELNET calculator to determine my monthly payment : Married, XXXX child, AGI for XXXX was @ {$17000.00}. According to the calculator, my payment would be {$0.00}. My XXXX AGI was @ {$7000.00}. According to the calculator, after my IRS file was accessed, my payments starting on/about XX/XX/XXXX - XX/XX/XXXX, would be $ XXXX/month. I am employed in XXXX  for a non-profit rural hospital. Based on the location, wages are @ 15 % lower than in other locations. After I completed the recertification I received a note indicating the application was complete. As time began to close in on the deadline, I called NELNET three different times and related my concerns that the website indicated my new payment amount went from {$0.00} to @ $ XXXX/month. I was told not to worry because they were behind in processing recertifications. I was also told that if any further information was required I would be notified by an email. I was never notified and never received an email asking for additional information. I dib begin receiving notices that my @ $ XXXX/month payment was nearing its due date. Again, I called to ask what was going on and was assured my recertification was still in the processing and that I should hear back in the next two weeks once the recertification was complete. NELNET confirmed my income and family size via the IRS. The IRS sent me a notification that NELNET had accessed my IRS file well before the XXXX date. There was no reason for any delay. There was no request for additional information once I filed my application. My marriage status, dependants and income qualify me for the $ XXXX/month repayment under the repayment plan I was previously enrolled.
Product: Checking or savings account

I've tried several times to get the remaining balance of my account with no success. XXXX called several names for thrown out of the branches. Truist Bank
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 violates the CFPA Act. Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending this complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that need to be removed from my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Re : Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by TransUnion in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly.
XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car with XXXX XXXX XXXX in XXXX. The Car was repossessed during my divorce proceedings and paid off in settlement in XXXX of XXXX. Account has been paid and closed since then and it is not deleted off my credit report.
Product: Credit reporting or other personal consumer reports

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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>XXXX  and noticed some things 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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. 

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 the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I noticed something wrong on my credit report I notice a company by the name of LJ Ross Associates was listed and stated that 2 account was opened XX/XX/XXXX and closed XX/XX/XXXX and I supposedly owe them ( 1st account ) {$70.00} and the ( 2nd account ) {$1900.00} which is not true at all, I have no clue of what this is. So I sent LJ Ross Associates a dispute letter on XX/XX/XXXX no response sent another letter on XX/XX/XXXX thru certified mail and they responded with a letter stating that the account was verified, How? it's not my debt there is nothing with my signature on it making this phony account legit I then contacted my lawyer and she told me to file a complaint with CFPB because the documents they sent me is not valid and those documents does not validate anything so here I am. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into inaccurate and potentially unverifiable items listed on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. As stipulated by federal law, I request a thorough investigation and removal of these items if they can not be verified as accurate. 
Please find attached documents that support my claim. These include [ list any relevant documents such as payment records, court documents, etc. ]. 
Under the FCRA, you are required to complete the investigation within 30 days of receiving this notice and to remove any information that is found to be inaccurate or can not be verified. Please ensure all information related to these items is thoroughly investigated and corrected or removed accordingly. 
Please send me a written confirmation of the receipt of this letter, along with the outcomes of your investigation. I expect that all incorrect information will be removed, and a revised credit report will be sent to me at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt response. Please feel free to contact me at my phone number or email address listed above if you need further information. 

Sincerely, XXXX
Product: Payday loan, title loan, or personal loan

The consumer attempted to extend themselves credit through BB & T. On XX/XX/2021 the consumer was denied because of XXXX violating 15 usc 1691. This is a written demand to ceo XXXX XXXX XXXX, XXXX XXXX XXXX and to whoever else it may concern to extend credit to the application the consumer has endorsed this action. And if there is a inquiry or adverse action on the consumer report delete it now or a criminal complaint will be filed.
Product: Mortgage

This is to document CITIBANK ( mortgage servicer ) and   XXXX   XXXX   XXXX   XXXX   As Trustee For   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   are acting in BAD FAITH in negotiating remodification with us.
<P/>  NEW EXAMPLE of BAD FAITH and BAD POLICY AIMED to guarantee foreclosure by CITIBANK and  XXXX   XXXX .  <P/> As of    XXXX   XXXX   XXXX   al l pertinent information  CITIBANK  required to send our file to underwriting was sent via email. In return, twice via email, on    XXXX   XXXX   XXXX   a nd again on    XXXX   XXXX   XXXX      we were told by our Mortgage Supervisor at CITIBANK,  XXXX   XXXX  that if any new document was needed by underwriting we would be informed.  <P/> On    XXXX   XXXX   XXXX      we were informed via email that CITIBANK did need an additional document.  <P/> HOWEVER, on    XXXX   XXXX   XXXX    we receive d 7 l etters from CITIBANK and  XXXX   XXXX  lawyers that our apartment was put into directly to auction/sale. The letter was dated    XXXX   XXXX   XXXX  .   <P/> This illustrates th at CITIBANK NEV ER intended to give us ample warning or time to comply. INSTEAD, without a Letter of Denial or any communication ( in a  timely manner BEFORE THE FACT ), that would allow us to comply, CITIBANK proc eeded to auction/sale.  <P/> NOTE :  XXXX   XXXX , our Mortgage Support Specialists is either away for illness or on vacation and is impossible to get in touch with as is par for the course with CITIBANK specialists who claim to be there to help but are rarely available and in this case, DID NOT inform us in a TIMELY manner that the bank needed a document.  <P/> On   XX/XX/XXXX ,  we spoke to one of  XXXX   XXXX  supervisors,  XXXX , and were told that the steps mentioned above were, in fact,  CITIBANK POLICY .  <P/> That mean that CITIBANK POLICY of informing consumers that a document is needed for underwriting AFTER THE FACT and proceeding directly to auction DEPRIVES the consumer of ANY ability or chance to comply. It is BAD FAITH policy and proves that  CITIBANK  and  XXXX   XXXX  have no intention of honest negotiation. Absent their directives/instructions, we can not know what forms are needed for underwriting unless we are informed in a way that gives us a chance to provide them before they proceed to sale.  <P/> This so-calle d POLICY not only sets the consumer up for failure as a matter of course, also seems designed to add tremendous stress to an already stressful situation. This POLICY i s designed to proceed directly to auction.  <P/> The requested documents were duly sent to  Citibank  on   XX/XX/XXXX .   <P/> NOTE : We WANT and are ready to remodify our mortgage to stay in our home. We can not do this if  CITIBANKS POLICY is s et against the consumer, and whats more, that policy is based upon being dishonest. CITIBANK claims we are non-compliant by not providing the document and YET they had already put our home up for auction/sale (   XX/XX/XXXX   ) BEFORE informing us that document was needed  (  XX/XX/XXXX   ). How could we possibly comply?
Product: Bank account or service

opened a checking account online. 
next day, deposited company check into ATM branch, receipt received. 
same day received email alert to call them called, they state they do not want to do business, account closed. 
next day, called again, check deposited ok, account closed and locked, unable to access funds called again, security team states the originator of the check has to contact their bank to have funds " pulled '' back and another form of payment issued.