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

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : Account Name : CB/NY & CO Account XXXX XXXX Has violated my rights. 15 u.s.c 1681 SECTION 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing the following information items. 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.
Product: Credit card

Reached out to Bank of America about a credit card being opened under my name that I did not apply for or had knowledge about. Bank of America struggled to find the account even with information provided as well as proof of it existing ( already showing on credit report and emails about card activation ). Asked to be removed from my account and closed which they stated they would look into but that they do not send correspondence out regarding it. Do not know if they actually proceeded with the process or not.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these Accounts. 
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

Experian is in violation of federal laws. I have never gave Experian written instruction to furnish a consumer report this a violation according to federal law. This is identity theft and fraud. 
According to 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Experian is in violation of federal laws 15 USC 1681b ( a ) ( 2 ) 15 USC 1681q 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ) 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) 15 USC 6821 ( a ) ( 1 ) Proof labeled as Exhibit A in attachment provided with a notarized Affidavit Of Truth
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that there is an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I noticed on my credit file that I had some incorrect information being reported on an account. I called the account and verified with them and they validated that the information was incorrect. I submitted a dispute with Equifax and they sent me back the dispute and confirmed there was no historical data for the account and it has been updated. However, the account still shows the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX {$2200.00} XXXX XXXX ), ( XXXX with a balance of {$1100.00} ), ( XXXX XXXX  ), ( XXXX  with a balance of {$3000.00} 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, credit repair services, or other personal consumer reports

A massive security breach was exploited on Equifax data affecting 143 million people. Executives of the company sold their shares before releasing the information about the hack, 3 months later. I am beyond furious that my information can be so clumsily kept and stolen by a company with this much responsibility in one 's own finances. And yes, I am one of the 143 million affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my House at XXXX XXXX XXXX XXXX AZ XXXX XX/XX/2019 ; the Mortgage company was XXXX XXXX XXXX XXXX and the Title company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX . The Title company paid the loan by wire as listed in the written payoff demand but the XXXX mortgage company returned the wire and charged mortgage for the month of XXXX, XXXX, XXXX and XX/XX/2019 despite receiving the settlement several time back from XXXX XXXX XXXX. Please refer to the attached documents reflecting all communications between XXXX mortgage and XXXX XXXX XXXX XXXX. Finally on XX/XX/2019 XXXX mortgage listed the Mortgage as fully paid in XX/XX/2019 but the past due reports for the months of XXXX, XXXX, XXXX and XX/XX/2019 remain in my credit report and despite several letters to XXXX and calls the negative reports still remain in my credit with the 3 reporting agencies, Equifax, XX/XX/XXXX. I have mortgage application and car purchases denied due to the credit score being lowered to the 500, s from the 700, s .Negative reports from XXXX must be deleted with the 3 credit agencies but XXXX refuse to take action.
Product: Debt collection

The debt collector has been leaving voicemails with a person I know stating they are calling to collect a debt. This person called them back to let them know they had the wrong number and they continued to harass him, asking personal questions about him and myself.
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 their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and 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 violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my 3 credit reports and I sent 3 letters to XXXX, XXXX and Transunion on XX/XX/2021 to verify accounts with original creditors that these accounts are reporting 100 % without errors or delete them. I recieved no response from all 3 credit bureaus. Then on XX/XX/2021 I checked my credit report and I see nothing is reported in dispute, which i have uploaded and I sent followups letters to all 3 credit bureaus ( XXXX, XXXX and Transunion ) that the information must be deleted from my report as soon as possible, since they didn't respond to my 1st letters, which is a violation because they didn't start an investigation and they did not respond to me at all. and i wrote on the letters to remind them " Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. '' Then againI pulled out my credit reports and still no disputes and they didn't respond to my 2nd letters so I sent warning letters 40 days after the second letter on XX/XX/2021. In till this day they have not responded to me. I want them accounts deleted now since they chose not to investigate them and since they didn't respond to me at all which is against the law. That is the issue I'm facing and I ran out of patience, So please help me ib this matter Thank You, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

My account was blocked from accessing internet banking, so I want the bank to close my account, but they refuse to close it.
Product: Student loan

I co-signed 5 of my daughters navient loans and had a draft of {$500.00} dollars taken out of my bank account automatically each month on the XXXX of each month. I have made 27 payments with one problem because they said that it had to be renewed each year because the amount was more than what they said I had to pay. I was able to pay off the loans on the X/XX/2017 in full. I kept checking their website and say that all the loans were at {$0.00}. I thought that the auto withdraw was canceled and that was that with these XXXX XXXX. Well, It was n't. Another {$500.00} was stolen from my account on X/XX/2017. I called to get my money back and took up 4 hours of their precious time being passed back and forth between about 20 customer service members being told 20 different stories about getting my money back. I got from it will be a check to it will be electronically transferred back to me, I see it the XX/XX/XXXX, XX/XX/XXXX, or by the XX/XX/XXXX. Then I was transferred to the so called president who said that I had to send them a bank statement to show that the money was pulled, it showed it was taken on their own website, or conference in my bank so that they can verify that it had cleared, again already showed it had from their website. I did find out that I overpaid by {$300.00} and probably would not have found this out unless I kept after them. They gave me no choice but to complain to some one who might get a straight answer from these crooks.
Product: Debt collection

I was informed that i had a collection account on my credit reports that i don't believe is mine. I disputed it and the credit bureau says it's valid. So i contacted XXXX for a validation of debt and no response, i sent 2 emails and no response. My lawyer sent a letter and called, no response. XXXX XXXX XXXX sent a demand letter for debt validation awaiting to see if they receive. the emails I sent are attached XXXX XXXX XXXX ( medical coll ) # XXXX {$520.00} XXXX
Product: Debt collection

I had a credit card with Bank of America. I paid it off directly with them and they were supposed to remove 30 days later. Its been over a year and it is still reporting on my account after u paid it off. Can this please get removed as I do not owe them anything at all.
Product: Checking or savings account

I ordered my item about a week later I got an email saying my order was canceled. I got this email saying I would get a refund now Wells Fargo and XXXX XXXX refuses to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 i sent a certified letter to all 3 credit bureas to dispute and investicate multipme errors on my my credit report it took over 45 days and items were removed. Now items that were removed are back on my credit report and they started a reinvestigation i also sent a letter XX/XX/2023 about my investigation not being done in a timely manner it is now XX/XX/2023 and nothing has been done i never got any type of verification on any accounts disputed i only recieved copies of my report from XXXX XXXX and equifax i never recieved a anything about a reinvestigation and i want these negative items removed immediatly
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report still shows that I have a XXXX XXXX credit card that was settled back in 2015 I need experian to remove this account from my profile or report as per XXXX XXXX credit department advised me to do.
Product: Student loan

Back in XXXX XXXX XXXX, I paid {$1800.00} off my student loans and recently, I made another payment of {$1300.00}. None of my payments were shown in the history of payments nor did the balance that I owe was reduced. The interest for these loans continues to increase because the balance stayed the same. The money was taken out of my account already. I tried to email them and chat live but I did not receive any response back.
Product: Debt collection

CashNet USA calls my phone about some kind of debt collectin activity. I want them to return the affidavit and swear under the pains of perjury not to be in violation of 18 U.S.C. 1348, 18 USC 2314, 18 USC 657, 12 USC 503
Product: Student loan

Good Evening, On XXXX FedLoan Servicing granted me an administrative forbearance for my IDR ( Income-Base ) Repayment plan because they have failed to process my documents in a timely manner. My annual repayment plan is configured and renewed every XXXX for the following year. Unfortunately because they put an administrative forbearance on my account, they financially made a monetary error by capitalizing my interest which should have never happened in the first place! 

I have sent all of my paperwork in a timely manner since XXXX/XXXX/XXXX. The correct amount before interest was capitalized was a balance of {$29000.00}. The incorrect balance that my student loans is currently at is {$32000.00}. The amount of interest that should not have been capitalized at this time frame is {$2600.00}! I still have 18 years to go on my consolidated student loan plan before interest is capitalized and my loans are forgiven! 

Now that FedLoan Servicing has an administrative forbearance on my account each month will not count as a payment towards the 18 years left that I still have on my plan. This is unacceptable and the correction should be made in a timely manner! Please respond to this problem. I greatly appreciate your time and effort in reading my problem with FedLoan Servicing. 

Thank You, XXXX XXXX
Product: Vehicle loan or lease

Purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ID # XXXX ) on XXXX/XXXX/XXXX. We were offered and accepted 5 year financing with ZERO 5 % interest for the first 12 months and than 4.99 % for 48 months. First payment was dueXX/XX/XXXX. We made payments ranging from {$400.00} to {$1000.00} for 10 months and then sent in the balance due for the 11th month payment. The payment were sent to a XX/XX/XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. After sending in the balance due in month XXXX, which was XXXX XXXX, we received a statement from said XX/XX/XXXX claiming we owed {$39.00} which was called " late charge assessment ''. My guess is they are not happy we paid off the loan in the interst free time period and assessed the " fee '' and the loan stated there was NO penalty for prepayment of loan prior to term. I have attached the page showing this clause.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is past the Statute of Limitations in Idaho, however it is still reporting to my credit. I no longer owe this debt and I would like it to be removed off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXXm attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; If Experian and XXXX feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to anyone with the intent to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I paid XXXX XXXX XXXX XXXX ( XXXX ) approximately {$70.00} for a charged off checking account I discovered. In XX/XX/XXXX, I discovered that XXXX had falsely reporting the account as " LATE '' every month although it was paid in XX/XX/XXXX. I called XXXX in XX/XX/XXXX to ask them to fix the error. I was directed to file a dispute with the credit bureaus. So I filed a dispute with all three credit bureaus in XX/XX/XXXX. In XX/XX/XXXX once the dispute was completed the false reporting was still present. I called XXXX again today. I was told the reporting is accurate by XXXX a XXXX collections employee, which led me to seek further assistance from CFPB. There are almost 50 false reports of a late payment on my credit report for a {$70.00} charge off that I paid in full years ago. This is hurting my credit immensely. XXXX should be held responsible for not resolving my credit dispute within 30 days, if not for the years of false reports.
Product: Credit reporting or other personal consumer reports

The Experian website is down, so I can not implement a credit freeze. However, when I tried to call customer service during business hours, there are XXXX different numbers that just send you around and around automated messages, and eventually tells you to end the call. I finally found a number on XXXX of all places that connects you to a real person, but it's clearly for the wrong department, and I've been on hold for half an hour now.
Product: Debt collection

XXXX XXXX, XXXX needs to be removed from my report. My insurance provider has already paid in full all debts owed. I intend to sue if this is not removed within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is responsible via poor security protocols for being hacked and revealing my and my wife 's personal information, credit information, SS #, to hackers and identity thieves. This lack of professionalism and regard for what they do has cost myself and millions of other American 's peace of mind that their financial information is secure and all the time involved in restoring said peace of mind.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE ACCOUNT IS NOT MINE AND THESE INQUIRIES I DONT AUTHORIZE. 

ACCOUNTS : 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

discover card is paid off i have tried to dispute with TransUnion and have been unable to access TU
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus, TransUnion, XXXX, and XXXX  have misreported information on my credit reports that should be removed immediately. XXXX XXXX I submitted dispute documents, drivers license, and social security card to all three bureaus to have information deleted or removed ( see attached files, also notarized ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has charged one of my XXXX credit card several times for a recurring service that I did NOT solicit or enter an agreement for such purported service. When one attempts to secure their FREE credit report from the FTC.gov website : XXXX, Experian is the only bureau of the major 3 bureaus that forces you to go to their website, and create an account in order to obtain your FREE credit report. I don't need a report anymore than annually as each credit card lender - with which I utilize to finance or age my accounts payable - offer me a view of my credit score, free of charge. In addition, it should be noted that I am not in need of any credit repair and/or monitoring, as a trained financial advisor, and my credit score has consistently floated between XXXX and XXXX since establishing credit 2005. Thus, I have never needed such a service, and would've never signed up for such. As this issue of ad hoc charges were brought to my attention this summer in the form of billing statements, I recognized that I lost my credit card in travel, and reported it stolen. After I disputed this asinine malarkey, prior to reporting the credit card was lost, XXXX, at some point presented me with a response from Experian that displayed documents that weren't legible, and a sample transaction, but no actual transaction from XXXX or an electronic signature. In addition, they held out a document that displays my credit card and personal information, which of course they could have obtained from my credit report or EVEN XXXX to try to substantiate their claim. XXXX has NOT been user friendly or working on my behalf in this matter. In fact, they have made this dispute very time consuming and often apprehensive, because I pride myself on credit reputation, especially as it unfortunately has been made legal to review in determining one 's employability. This experience seems to be that of collusion, because I never gave Experian my personal information, and it seems that XXXX refuses to stop their attempts to bill me. In addition, I attempted to try to login into Experian 's website, and the website stated that I did not have an account. I provided this to XXXX via an email address that they provided, but they have not responded. Each have demonstrated to be wrong and unscrupulous, and I think this is some form of attrition so that XXXX can create a reason to reduce my credit line or deny me a credit card.
Product: Debt collection

Incomplete account and Im not aware of this debt and did not have the opportunity to dispute this information. Did not receive a call or certified mail. Please provide Validation of Debt. 

XXXX  XXXX XXXX  or First Financial Asset Management Account # XXXX XXXX  First Financial Asset Management Account # XXXX