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

I recently submitted a complaint stating that i did not give any consent for this account to be furnished on my credit report and asked for it to be deleted, but instead of deleting it the company just " updated '' the information. I did not give any consent or permission for this account to be furnished so i want to know how it was " updated ''. I believe the investigation was done incorrectly. Im asking once again for this account to be deleted before i have to take legal actions. I have never been contacted or asked in any form or fashion to have this account furnished on my credit report, so whatever information was updated is incorrect. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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. 

Not only are they violating my rights but they are also breaking the law. They listed a remark on the account stating this meets FCRA requirements but once again that is incorrect because i did not give written instructions for this account to be furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Report number # XXXX Experian report number # XXXX I attempted to submit a dispute a dispute with Experian and their system would not allow me to submit supporting documentation to back it. This is a violation of the FCRA. I have attached supporting documents that I was trying to submit with this dispute. Please investigate.
Product: Checking or savings account

I recently found out i was on the XXXX XXXX XXXX  i went thru the process of get my report. I made account so that i can upload the information so that i can dispute this bank of America and XXXX XXXX XXXX XXXX, these accounts were fraudulently opened. These accounts were opened and over drafted. But these accounts were fraudulently open with out my consent.
Product: Checking or savings account

I was informed that my account was closed due to Citibank 's decision. Consequently, my online banking access was also terminated. However, upon speaking with a representative recently, I was told that my account is still not closed and is currently under investigation. 

I am puzzled as to why this investigation is taking over a month, especially since the funds were cleared immediately. Additionally, I was told that once the investigation is concluded, it would take another 30-60 days to close the account. This does not seem fair, as I have already been without access to my funds for over 45 days. Could you please provide clarity on this matter and expedite the resolution process? 

-- - Let me know if there are any other details you'd like to include.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My information was involved in a data breach and according to 15 USC1681 which governs access to consumer credit report records and promotes accuracy, fairness and the privacy of personal information I am requesting all negative credit, bankruptcies ', collections, credit inquiries and late payments be removed from my report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 



XXXX XXXXXXXX
Product: Student loan

Sallie Mae Consumer Banking Company is taking advantage of people in times of crisis. 22 million people in the United States are currently unemployed. People are worried how they are going to feed their families. Meanwhile Sallie Mae is only concerned with the money they are going to make. When COVID-19 took over the world, almost every company I have ever been in contact with sent out an email detailing what they are doing to help in this time. Sallie Mae sent out an extremely vague email saying to " contact their costumer support for help. '' Since I lost one of my jobs during the pandemic, I can only afford to pay my rent right now, and I am unable to make my student loan payments. When I finally was able to contact someone at Sallie Mae, they informed me that I could be eligible for, a one time, three month forbearance in which my loans will still be accumulating interest. How is a company as large as Sallie Mae getting away with penalizing those who can not repay their loans right now? 
Federal loans have stopped collecting payments and are not accumulating interest during this economic crisis. Meanwhile Sallie Mae will penalize me, and only give me 3 months. The way things are going right now, I am highly unlikely to get my second job back in the next year or so. This is immoral and predatory behavior. I want to make it extremely clear that I have worked very hard to diligently pay off my loans while I put myself through XXXX school. During my time as a student I have worked full time, and opted to pay interest as I went. Trying to always do the responsible thing. I am having to make almost {$200.00} payments every month, ( even though I am still in school ) this has forced me to get a second job, just so I can make my payments on time. When I lost the secondary income I did not file for any unemployment benefits, because I have enough to pay my rent and buy food. I recognize that is lucky compared to how a lot of people are suffering right now. I would not feel right collecting money that someone needs more than I do right now. That is called doing your part for society in times of crisis. Getting through these times are going to take effort and sacrifice on everyones behalf. Sallie Mae is not doing enough, or hardly anything at all, to help those who can not afford their payments right now. This is just another example of a large financial institution breaking the backs of those who have no other options. What kind of society do we live in where companies like Sallie Mae can get away with hurting young, hardworking, future nurses? Something needs to change.
Product: Prepaid card

I have a XXXX XXXX card and it would work once in a while so I called XXXX I was told that my card is damaged so they ordered me a new card. I got the new card and tried to activate it but got a letter saying that it had a fraud alert. So I'm trying to figure out how can a new card have fraud alerts when it hasn't been activated yet. I tried calling them but no answer. So I called the card holder ( comerica bank ) put in two complaints with them but no call from anyone They are holding my money illegally. All I need is a phone call from direct express so I can resolve this issue but I can't reach them. Won't answer the phone, no email address and app doesn't work or website.My name is XXXX XXXX and phone number is XXXX Address is XXXX XXXX XXXX XXXX XXXX XXXX va XXXX Can you please help me out with this I am a XXXX XXXX  and I need my card activated so I can pay my bills Thanks.
Product: Credit card

Thank you for reviewing this complaint. On XX/XX/XXXX of XXXX, we were offered a 20 % discount on our product if we opened a XXXX card. We did apply and the application was pending review. We called XXXX when the pending verification letter from Comenity Bank and was transferred to a Comeity Bank representative. That representative said that the offer states that upon approval, the 20 % discount will be applied to the order within 24 hours of approval. Since the pending verification approval letter came in the mail 3 weeks after the application, the company violated their own terms by prohibiting the discount to be applied since the approval was mailed. I did call Comenity and talked to a senior account representative, XXXX. He said to just do a dispute and Comity bank will credit this back to my account. So, under the advisement of the representative, we made the dispute. XXXX said that he would notate the account so there should be no problems getting the amount refunded. We were denied the discount because Comenity is not acknowledging that they made the decision to mail the approval and not instantly approve. This was their error for the discount, not mine. Meaning that it was not possible to apply the 20 % offer to the purchase as promised from their end. Our first purchase was charged for {$730.00}. The total promised discount would have been {$140.00}. This is clearly " bait & switch ''. Our account is now paid off and the card has been cancelled at our request. They also did not send an acknowledgement of the card cancellation request as promised by the Comenity bank representative. We opened the account for not only the 20 % initial discount, but to also receive an additional 10 % vital care rewards on items that we purchase from the store. Our monthly purchased from XXXX are usually around {$900.00}. This could have worked well for both of us. I am requesting a check in the amount of {$140.00}. Kindest regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My Account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Auto Pay. This late payment that is reporting is a resort of systematic error on their end processing my payment. There was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC code 1681 EB. This area has caused severe hard to my reputation, my character, my mode of living into my family! I demand the late payment reported in XX/XX/year> to be removed. They are not in compliance with the following law 15 USC 1666B requirements set the standards and the guidance for a credit to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 US 1666B ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open and customer credit plan as late for any purpose, unless the credit has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( B ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637b.

I have requested proof that this information was mailed or delivers 21 days before the payment due date and this information was requested in good faith pursuant rule one 1002 and it was never provided. This is unfair, illegal, fraudulent, and equitable to me as a consumer! 

Delete the payments from my consumer reports!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four 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. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I've recently reviewed my credit reports and I noticed these inaccurate accounts. 
XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX  ACCOUNT NUMBER XXXX XXXX ACCOUNT NUMBER XXXX According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) stipulates that a consumer reporting agency may not furnish a consumer report without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was the result of identity theft ; I can't recall ever submitting information to this company. 
Please remove immediately : BARCLAYS BANK DELAWARE Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Debt collection

UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX GATESTONE & CO has not validated the alleged debt ACCORDINGLY to 15 USC 1692g and HAS NOT provided demanded information instead only provided statements which was ruled to be not sufficient evidence of a debt in federal case XXXX XXXX XXXX XXXX GATESTONE is in violation under 18 USC 892 and 18 USC 1691 for RAKETEERING collection means. GATESTONE has not showed regard and respect to I the consumer and to the FDCPA and have continued to violate federal as stated in previous sent documents. GATESTONE & CO is liable for remedy under 15 USC 1692k and I seek remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

They removed some of the accounts due to ID theft but not all. They also didn't comply to the 4 business day rule that the statute requires.
Product: Student loan

Navient never gave me information about interest rate and when you consolidate your loan you lose your payments. I am under the forgiveness loan expecting that i alredy would have more than XXXX payments like they said. I am struggling and the interested rate it is really high for student loans. I would like to know what can i do to get this fix and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are reporting on my credit report from fraudulent activity. I do not have any account associated with these inquiries. I opened up a XXXX card that was opened on XXXX that was pre-approved. XXXX did not hard pull my credit. These inquiries are misleading cause I was not applying for accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each XXXX, XXXX, and Equifax on five different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX - XXXX - {$2800.00} XXXX XXXX - XXXX - {$11000.00} XXXX - XXXX - {$0.00} Late Payment XXXX XXXX - XXXX - {$5200.00} Inquiry XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

Out of no where this debt collection shows up on my XXXX credit report. I am a victim of a natural diaster Hurricane Katrina. XXXX investigated this from XXXX XXXX XXXX and removed it from my account. The very next month they began reporting it on my XXXX report.
Product: Credit reporting

Disputed before was removed after a couple of months being reported again. I have a attached letter from company stating that it will be removed
Product: Credit reporting or other personal consumer reports

I sent my first letter to XXXX XXXX on XX/XX/2024 that was delivered on XX/XX/2024, tracking number XXXX. Received a late stock response privacy notice that didn't address anything in my letter. Sent a second letter to XXXX XXXX on XX/XX/2024 that was delivered on XX/XX/2024, tracking number XXXX. Again, I received another stock response privacy notice that didn't address anything in my letter and also received a stock response claiming to investigate but still refused to address anything in my letters, nor did XXXX XXXX provide proof of the investigation or their process of an investigation. XXXX XXXX 's unwillingness to cooperate and correct their violations of the law proves they are a corrupt, predatory, and fraudulent company. XXXX XXXX has failed to provide the documentation requested, and XXXX XXXX has unlawfully posted incorrect data and added an incorrect statement on my behalf. XXXX XXXX has failed to prove that these accounts are mine and/or that the debt is valid.
Product: Checking or savings account

I made external transfer from discover bank to XXXX XXXXXXXX XXXX for {$530.00} I was told on a recorded phone call it was going through. Now they are saying it didn't go through. But the funds never went back into my account my name is XXXX XXXX not XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm writing this grievance in regards to XXXX XXXX XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and XXXX through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. XXXX has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you