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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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Product: Debt collection

Did not receive ANY communication regarding overdue payment from Macy 's credit card, nor notice of it having been sent for collection. I only became aware of the debt upon taking my credit report. When I called Macy 's credit card and asked about this, pointing out that although I had moved, I had mail forwarding in place, I was told that Macy 's does not allow the post office to forward their mail -- they must instead return it to Macy 's. I was told that this practice is legal because it is stated in the original agreement. 
I do not understand how a company is allowed to have a practice that clearly makes it impossible for them to notify a customer who has moved about possible overdue payments. I had no recollection of owing money to Macy 's, and in addition to not receiving a reminder letter I have not received any phone calls ( my number has not changed ) or e-mails to that effect either ( I do, however, still get Macy 's ads and member deal reminders via e-mail ). 
My credit score has suffered considerably as a result of the lack of communication from Macy 's. I am in the process of buying a house, and a small debt -- less than a {$100.00} -- will now likely cost me thousands of dollars in higher mortgage rates. I find this entirely unfair, as I would obviously have paid the bill if I had know it existed.
Product: Debt collection

I have no idea about this debt. I do not have any services from this company
Product: Debt collection

On XX/XX/XXXX, I received a letter from Debt Recovery Solutions ( DRS ) and a subsequent fraudulent/counterfeit bill. DRS claims they are attempting to collect a {$2000.00} medical debt for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX who have both agreed I do not owe them a debt, although DRS continues to harass me over this blatantly fraudulent claim. I have made multiple complaints about this debt and each time DRS agrees to stop collection attempts, although it appears they simply create a new case number and begin this entire process again, after they report to you that they will not seek to extort money from me again. The most recent bill has DRS account number XXXX and claims I owe them {$200.00} this time around. I wrote them and requested original documents, which have never been produced, only the attached counterfeit bill. I am again coming to you for relief from this malicious and fraudulent collection attempt by DRS. The previous complaint number is XXXX, which DRS reported or claimed that they would cease their collection and malicious credit reporting behavior. Mr. XXXX XXXX name is printed on the documents and I am requesting that he be investigated by someone who can drive to DRS, located at XXXX XXXX XXXX, XXXX XXXX in XXXX, NY XXXX and interview him about the counterfeit documents he is sending through the US Postal Service with the intent to commit fraud.
Product: Prepaid card

I was once having an issue with my card. And I called for support and I couldnt get in contact with anyone. Not an actual live representative.
Product: Credit reporting or other personal consumer reports

Account name : XXXX NORDSTM/XXXX XXXXXXXX Account # : XXXX XXXX Account type : XXXX Revolving Account Status : XXXX Open Credit Limit : XXXX {$0.00} Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Current Monthly Payment : XXXX {$40.00} Balance : XXXX {$410.00} No. of Months ( terms ) : XXXX XXXX Past Due : XXXX {$0.00} High Credit : XXXX {$500.00} Date of last Payment : XXXX XX/XX/XXXX Last Reported : XXXX XX/XX/XXXX Date Last Active : XXXX XX/XX/XXXX 2 Year History : XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) Comments : XXXX Consumer disputes reinvestigation in progress Credit card In accordance of the fair credit reporting act Nordstrom Credit creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have disputed my Dept of Ed / XXXX XXXX loan but its still reporting on all XXXX credit Bureau and they have not removed this student loan from my credit report, Personal Information : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX Fl XXXX, XXXX : XXXX Name of company that reported the item youre disputing and the partial account number ( from your credit report ) Account Information : DEPT OF ED / XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : XXXX XXXX Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$0.00} per month, paid Monthly for 240 months High Balance ( Hist. ) High balance of {$66000.00} from XX/XX/XXXX to XX/XX/XXXX Reason for your dispute : Discharged in Bankruptcy Any corrections to your personal information ( address, phone number, etc. ) Name change : XXXX XXXX ( please remove XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone numbers : ( XXXX ) XXXX Website : XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number : ( XXXX ) XXXX Website : XXXX TransUnion Mailing address : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX number : ( XXXX ) XXXX Website : www.transunion.com
Product: Money transfer, virtual currency, or money service

I am filling 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 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 or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

On XX/XX/2022, I requested a refund for payments made on behalf of my federal student loans by MOHELA. As per the XXXX program, any payments made during the XXXX relief pause are eligible to be refunded. When I called, they said the refund would take 7 days. After about 2 weeks, I called again. Was told 30 days. After that, I have called numerous times, asking for an accurate timeline and physical proof via email or mail that my request has actually been received- which they have been unable to provide. It is now XX/XX/2022 and I still have not received my refund, a change in balance, or documentation proving I made this request. Every time I call I receive different information that is simply incorrect. All I want is the money I am entitled to. It has been 15 weeks as of today, and I still have not received my money. I can not provide documentation because all communications have been via phone and they have failed to provide any physical documentation providing information on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to inform the CFPB that my rights have been violated by this consumer reporting agency. In a correspondence to Transunion, XXXX of XXXX, I requested proof of my consent regarding the sharing of the following accounts ; XXXX XXXX  XXXX XXXX  account number XXXX XXXX  XXXX XXXX account number XXXX XXXX  XXXX  XXXX  account number XXXX XXXX XXXX  Account number XXXX Date open on credit file XX/XX/XXXX. XXXX. 
Another XXXX  XXXX  account XXXX with opened date XX/XX/XXXX XXXX XXXX Account number XXXX As of today, I have not yet received a any proof of my consent regarding the sharing of the above accounts. According to 15 U.S.C 6802XXXX Obligation with respect to disclosure of personal information ( B ) the consumer is given the opportunity before the time of, that such information to be disclosed. to such third party. and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, in a correspondence to the consumer reporting agency.
Product: Credit card or prepaid card

I have been using Capital One for some time. When I began using the card for online gaming, they began putting fraud holds on my account. I resolved this in XXXX on at least two occasions, verifying it is me making the purchases. I have not disputed a single charge, yet they continue to put fraud holds on the account. Normally, I just have to jump thru hoops over the phone to resolve, but it kept happening. Now in XXXX, they have placed another fraud hold, and this time will provide no information, and are asking for documents to verify my identity ( Documents not required to set up account or use it in the past ). I have provided them the best I could, and they continue to want more. Now they are demanding new scans of the back of my ID ( despite sending them over 10 pictures, none seem good enough ), and now are asking for the back of my social security card. This has become harassment, not any kind of fraud protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery reported they ceased all reporting to the credit bureaus but I have verified with XXXX XXXX and XXXX customer services they are still reporting this debt to these credit bureaus and there is NO REQUEST from PRA for removal. They have provided false statements to the CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX furnished and published my personal information without my written consent according to 15 USC 1681 section 602, a & 15 USC 1681, section 604A section 2 please take a moment to look at the account that are being furnished, or my consumer report without my permission, and or written consent, and whose rights have been violated.

15 USC 1681 section 6028 states I have the right to privacy 15 USC 1681 section 604A section 2 states, a consumer reporting agency can not furnish an account without my written instructions And in accordance with the fair credit reporting act, the law has been broken, and my rights has been violated Also, I have disputed this matter on multiple occasions, and in each instance, a thorough investigation was not done. Those actions are in violation of the laws outlined in section 611 ( a ) ( 1 ) ( A ) as XXXX XXXX have neglected to provide the required method of verification as stated in section 611 ( a ) ( 7 ) and furthermore, XXXX XXXX is also in violation of section ( 5 ) ( A ) of the fair credit reporting act ( FCRA ) by not promptly removing all disputed unverified reportings XXXX XXXX has also breeched their contract While under dispute, XXXX XXXX can not collect the amounts in question or report delinquent on any amounts XXXX XXXX continued collection on the amounts disputed and continuously reported negative derogatory reporting to the credit bureaus
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has 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 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 any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian is not following the processes and proceddures it has established for lifting a security freeze. i attempted to lift it online using my pin. i keep getting an error message telling me i have to submit my request in writing. 

i submitted my request in writing. 30 days later it is still in place. 

i attempted again to lift it online and i got the same error message. EVEN THOUGH I ENTERED MY PIN. 

i located my pin letter from experian from 10 years ago. i called the toll free number on that letter and the voicemail system doesn't even list credit freeze as one of the topics. Experian doesn't list a contact number on their website to contact them regarding a freeze problem Experian is not following the law as set forth by congress and making credit freeze and thaw available. 

NOTE : the file attached was printed signed and mailed in XXXX XXXX XXXX
Product: Vehicle loan or lease

I received a payment book in the mail for a car loan in my name I didnt take out or sign for. Some one took my identity and went to buy a car. They signed a loan without my permission. It has also been late every month. Did I try to help the co-signer, yes. Never agreed to put anything in my name. I even told the dealership I would not put anything in my name. I have never made a payment. This should show it is not my bill.
Product: Credit reporting or other personal consumer reports

XXXX, Trans Union XXXX, XXXX XXXX XXXX, XXXX XXXX, Upgrade, Sunbit and CapitalOne are Illegally using my personal information and violating my rights to privacy. My identity has been stolen, and the credit bureaus are strangers to me and do not have firsthand knowledge about me and continually attached accounts that are not mine or erroneous information pertaining to the account such as information on open, ended credit accounts and reporting incorrect information such as the name that appears on the credit report is not my name I have continually asked each bureau to correct my name and remove any address from my report that does not reflect the address on my drivers license. This is the only address that I have where I can receive mail. I have asked them to remove the accounts that are erroneous, which have been paid in full but is showing as charged off or late this is not correct. I dont have any charged off accounts nor do I have any late accounts or unpaid balances I have asked for this information to be corrected yet. They say that it has been validated, I asked for the procedure. They did not provide it and they did not correct what was incorrect. The information these companies are reporting is causing harm to my life because I can not get housing, employment or credit, which is mine by Divine right. The truth and lending act fair debt collection practices act and the fair credit reporting act are all being violated against me by these companies. The personal information is incorrect thus reporting information belonging to someone else. The information should be deleted immediately.
Product: Prepaid card

My social security is supposed to go on my Direct Express card, but I could not get any more than XXXX there should be XXXX left on the card!!! from my XXXX payment
Product: Credit reporting or other personal consumer reports

End of XXXX mailed a certified letter and was received XX/XX/XXXX. I received my results of investigation XX/XX/2023. Past the required 30 days, which per FCRA inaccurate information disputed must be deleted. That's complaint No. 1.

No. 2- my dispute submitted to LexisNexis was returned with no deletions or corrections. All old info I requested removed remains. Inaccurate information remains. The bankruptcy listed is inaccurate. They are selling inaccurate information to other agencies which is against FCRA Regulations. Purposely reporting inaccurate information is illegal and if it's not removed I will be contacting a lawyer and sue to multiple violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Office of the Ombudsman : My student loan servicer XXXX who services federal student loans to the credit agencies EXPERIAN, XXXX XXXX, XXXX may have violated the Fair Credit Reporting Act and other credit reporting laws. 

There is reason to believe that the loans serviced by XXXX where not properly serviced or reported based on the following occurrences. 

Reported Timeline ( historical ) data removed No data credit reporting Reported balances after consolidationXX/XX/XXXX Incorrect address reported ( XX/XX/XXXX) I understand that any inaccuracy including material inaccuracies may be grounds for injury-in-fact and other harm. The data furnisher XXXX and the credit bureaus EXPERIAN, XXXX XXXX and XXXX  blame the data furnisher for the reporting inaccuracies and or credit redactions. 

I am requesting an audit of the reporting history of fifteen federal student loan accounts held by XXXX, and the three credit bureaus update their records according to the complete account history ; ( XXXX ), that includes all historical data, date opened, and historical timeline, and the loans are paid and consolidated. 

The loans have been consolidated XX/XX/XXXX to a different servicer. 

Customer service representatives at XXXX said to me that disputing information to the credit bureau will cause credit score decreases because they will respond that the information was frivolous and accurate. This also indicated to me problems with the servicers dispute and resolution process and what procedures they use in cases of disputed accuracy and my rights under Federal law including the Fair Credit Reporting Act. 

I am asking the Ombudsman to investigate credit reporting activities by the servicer XXXX and audit of the credit reporting history from XXXX. I have scanned copies of the credit report from EXPERIAN to show the reported timeline. 

Sincerely, XXXX XXXX
Product: Mortgage

I have an adjustable rate 1st mortgage with Nationstar ( AKA Mr. Cooper ). My rate is based on LIBOR plus 2.5 % margin. This can change once per year. The terms of my mortgage require the lender to give advanced written notice by delivery or 1st class mail of any any change in payment, which they failed to do. The lender raised my payment for XX/XX/2019 with no advance notice, in violation of the mortgage terms. I wrote several times to get resolved. they claimed they emailed me, which they did not, and provided no evidence of any kind of notice of a change in payment amount. Now they are delaying getting back to me saying they need to do more research. I would like this resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccuracy and the lack of reporting of this account with the creditor and the credit reporting agencies and sadly more incorrect information is now being reported. I currently have a CFPB case open with XXXX XXXX that they have not even acknowledged and a complaint with the XXXX. I have tried to call the creditor to resolve the issue several times though out the year and have been laughed at as I explained that everything was related to XXXX XXXX including the direct lose of my father. I have been hung up and on hold for upwards of 2 hours and transferred and the line disconnected. I have provided documentation showing that the credit reporting agencies were reporting inaccurate information on my reports and instead of investigating and fixing the problem they go in and report even more wrong information. Since the creditor and the credit reporting agencies refuse resolve the matter, or have any empathy at all. I am left with no other choice, I have gone ahead retained an attorney to represent me as it relates to this account. The violations of FDCPA ( harassing and threating calls and documented conversations I received at all hours of the day and night, which my cell phone records, voice mails documentation and show ) that took place during the term of this account and the continue inaccuracy and lack of proper investigation from the credit reporting agency. Is the main reason why I will be moving forward and filing the law suit. I have also filed a complaint with the state attorney generals office as it relates to this account so that they can conduct there own investigation with XXXX XXXX and the credit reporting agencies as it relates to this account I personally feel like I have tried everything to resolve this situation on my end and have even explained how this account was related to XXXX XXXX and that there own employees seem to find joy in laughing as I explained that my father had passed due the pandemic.