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

On XX/XX/year>, I called Equifax and spoke with XXXX customer service representatives ( including a supervisor ). Please see letter attached. The issue is on going involving inaccurate and misinformation being reporting on a XXXX XXXX account number XXXX. XXXX also has a negative account ( XXXX XXXX  ) reporting on my credit file and I have continuously disputed this account which resulted from Identity Theft as well. I have continuously disputed these accounts are not mine and resulted from Identity Theft ( See FTC Theft Affidavit and Police Report attached ). The Equifax representative is claiming that my dispute of the XXXX XXXX account did not include a copy of my Social Security Card. Please note that I have disputed these same accounts multiple times in the past and presently disputing the same XXXX XXXX account number XXXX and XXXX XXXX  account. At this point both XXXX and Equifax are in violaton of the FCRA. Please see attached proof of disputes.
Product: Checking or savings account

On XXXX XXXX 2022, I made a deposit of {$1400.00} dollars in cash to my checking account at Bank of America, the ATM had a problem and was not working correctly, it only registered the amount of {$1300.00} dollars, I called the bank to make the claim the {$100.00} dollars was missing and they replaced it on XXXX XXXX, 2022, after a month passed on XX/XX/XXXX, they took away the original deposit of {$1300.00} dollars that I had made on XXXX XXXX, 2022, they tell me that they withdrew that Money because there were not enough funds, but I never deposited a check my deposit was cash. I opened a claim and they closed it, they telling me that the claim was already paid, but the only money they returned to me was the {$100.00} dollars from the beginning but they dont want to return the {$1300.00} they have taken it from my account, and my deposit was in cash not by check, they cant take Money from my account that I deposited in cash, than you any help you can give me.
Product: Student loan

I finished XXXX XXXX in XXXX and had Stafford loans which I consolidated probably at the end of XXXX or beginning of XXXX, so these are older loans, so I'm not sure if they are considered Federal loans anymore because I consolidated them, but they were stafford loans originally. I consolidated to lock in a 2.87 % interest rate. I began making payments, and at some point the loan service was changed to ACS Education Services. My due date was changed to the XXXX of every month. So I made electronic payments that they would get on the XXXX every month, but it took them between 5-10 business days to recognize the payments, so they considered them late. I would get phone calls typically by the XXXX of the next month, saying XXXX payment is late, and that they would contact credit bureaus if I didn't make my payment. This started probably around XXXX. The next day typically I would get an email confirming I had made the payment, but they apparently would consider the day they confirmed my payment as the date of payment. I had contacted the Virginia Attorney General 's office about this, but since I wasn't being charged late payments, and this wasn't going to affect my credit, I didn't pursue the matter, and i just started making the XXXX my payment date. However on XX/XX/XXXX, I found out from my current servicer, XXXX, that I was disqualified from a 1 % loan interest deduction which was a benefit I was elligible for, if i made 48 on time payments ( XXXX shows I was disqualified in XXXX, while ACS or Conduent ( conduent is what ACS changed its name to ) ). So I could have saved hundreds of dollars per year had I gotten that interest rate deduction. I did some research on ACS and there were lots of complaints, so much so that the Department of Education made most of ACS ' loans transferred to other servicers. I lost out on saving a lot of money, would have been thousands, because they were incompetent and didn't process my payments in a timely manner. Is there anything I can do? XXXX only has the information ACS provided, which just shows I made late payments, but it doesn't show my complaints to ACS. I can supply emails showing my complaints to ACS, complaining about how long it took them to process my payments. I've also found my email to the virginia attorney general office. I just didn't pursue this more because I didn't realize I lost out on an interest rate deduction due to ACS ' incompetence. I have also seen ACS was sued by several states over their servicing issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUPPLIED PROOF UNDER THE DOCTRINEOF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. 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 Inquiry date : XX/XX/2022 XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : 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 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

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of credit report. 

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information attached.

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the 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.

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. 
Also, they aren't even in compliance with XXXX XXXX credit reporting.
Product: Student loan

On Wednesday, XX/XX/XXXX, @ XXXXXXXX XXXX, I inquired about an application for loan forgiveness due to misconduct on XXXX 's behalf. I was told she had to check if the school was on the list. Only to find out the school was on the list but my " loan type '' was not eligible. I don't understand this, this loan was taking out by XXXX XXXX and XXXX in XXXX, for educational reasons only. I lacked the knowledge to distinguish which loan type to request. Additionally, I was told I could not receive an application because, at the customer service level, I didn't qualify. I don't believe customer service reps are qualified to make this decision.
Product: Bank account or service

XXXX/XXXX/XXXX I purchased XXXX XXXX " XXXX '' concert tickets. Concert intended date was XXXX/XXXX/XXXX. Postponed to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX announced on social media all dates were postponed and later all " point of purchase '' sales would be honored. My tickets were purchased from XXXX. My receipt reflects this and sale by XXXX. Neither wants to offer a refund. I opened cases with XXXX. XXXX case was closed due to XXXX filing grievance against XXXX XXXX, not XXXX. XXXX XXXX responded " We have no record of a charge or tickets sent out to XXXX XXXX for the event. He must have placed his order through a different seller. '' ( complaint XXXX ). Yet, when I called XXXX, who I never had spoken to before, I gave them my invoice number and they pulled up all of my ticket information. Come to discover, XXXX and XXXX share the exact same address, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) is listed as my biller and on the receipt the language says " ALL SALES FINAL. REFUNDS WILL ONLY BE ISSUED IF THERE IS A CANCELLATION OF THE EVENT. '' Well, the original date WAS canceled and moved to another date ( postponed ) and now postponed again - with no mention of time, date, venue. I am charged a {$130.00} service charge. As a customer, a service charge should be indicative of services being provided to the customer. No services are being provided. My bank, TD BANK, has a policy of only refunding money and doing investigations on inquires 60 days from purchase date ( I was told via rep ). There must be legal language somewhere when a customer makes a purchase with the expectation of receiving services and product in a timely manner. I have been told by both XXXX XXXX XXXX that XXXX XXXX can postpone until she is XXXX and legally not have to issue a refund. VERBATIM. This is outrageous. No person who buys a concert ticket, especially ones over {$100.00}, expects that they wo n't be receiving their product or services in future years from the intended original date when the product is suppose to be delivered. What is also outrageous is many ticket companies are honoring refunds while the company 's I 'm dealing with are n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information per the new law. The bankruptcy XXXX listed does not include this information and should be deleted
Product: Credit reporting or other personal consumer reports

Hi XXXX, I am writing regarding two accounts for a XXXX XXXXXXXX XXXX that remain inaccurately reported on my credit report. These accounts were involved in prior litigation, and the court ruled in my favor, with a commitment from your company that the lien would be released and my credit report corrected. It has now been two years, and despite this ruling, the accounts are still inaccurately and incompletely reflected on my credit report. 

During a recent vehicle financing process, it was brought to my attention that these accounts remain uncorrected, which is in clear violation of my rights under multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Inaccurate Reporting 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( B ) : Failure to Verify Information 15 U.S.C. 1681s-2 ( b ) ( 1 ) : Failure to Update Account Status 15 U.S.C. 1681c ( a ) ( 4 ) : Outdated Information 15 U.S.C. 1681s-2 ( a ) : Incorrect Date of Last Payment 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to Include Consumer Dispute Notice These accounts are reporting multiple inaccuracies, including outdated dates, incomplete information, and an incorrect account status. Attached is documentation from the original creditor, clearly stating that the accounts would be corrected within 15-20 business days. To date, this has not been done. 

I request the immediate deletion of these inaccurate entries and a prompt resolution of this matter. Failure to correct these violations is a clear breach of the FCRA, and I expect this issue to be addressed without further delay. 

Thank you for your attention to this serious matter, and I look forward to your prompt response and confirmation of the deletion.
Product: Credit reporting or other personal consumer reports

I pulled my reports and see some fraudulent inquiries on them and I need them remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX over XXXX years I have been asking Experian XXXX AND XXXX to correct my personal information from my credit file the bureau refused I have been denied credit apartment or I may never get a job because personal information did not match when I apply for credit I submit to the credit bureau several time a copy of social security card my passport card copy my driver license copy of my tax bill from the IRS the credit bureau listed I was born on XX/XX/1978 my date of birth is XX/XX/1978 SSN # XXXX my current legal name XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complay against Cash App ( Block Inc. we to ( XXXX pqua 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 a XXXX unfair and deceptive, as XXXX no.

V 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

On XX/XX/2023, I conducted an inquiry into my credit report and discovered items that were unverifiable, invalidated, inaccurate, or questionable. Your agency did not ensure that the information it reported was completely 100 % accurate. 
In response to these findings I on XX/XX/2023 created and mailed numerous letters to Experian, XXXX, and XXXX requesting these items to be either investigated proving their accuracy or to have them removed due to not being correct. 

However, I have not received anything from them. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting

I obtained my credit report and discovered multiple errors. I send a letter to XXXX stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/2017was signed for. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/2017 and it was signed for, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not provide any documentation to me as verification. I mailed my third letter on XX/XX/2017 and it was signed for and still the same answer. I called Equifax and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given Equifax multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 
15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete for Violation The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, A The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I have made no payment on this debt since XXXX, so I believe that the debt collector, Jefferson Capital Systems LLC XXXX, MN XXXX XXXX, is in violation of the six-year MI statue of limitation on this debt. During the court session XXXX XXXX XXXX : Case No. # XXXX, on XXXX XXXX, XXXX, I attempted to explain to the judge that I believed the statue of limitations had expired on this debt. I was informed that this court proceeding was only to identify that the debt was mine. I would like the Jefferson Capital Systems LLC to stop any further court proceeding and/or any further actions for collection. Jefferson Capital Systems LLC was required to bring documentation concerning the debt, but the representation did not present any documentation for the judge.
Product: Debt collection

This debt appears on my credit although during my son visit to the dentist my son had Medicaid from the state of New Jersey I informed the dental office my giving my sons insurance card to process claim and my identification to prove I was the mother. I informed the collection that patient had Medicaid at time of service that this bill was to be billed to Medicaid of New Jersey I spoke to the agent on the phone gave her the policy ID and was told they would inform the dental office. I requested this account to be closed and billed to Medicaid yet after three years still appear on my credit. Per New Jersey Medicaid Provider rules of participation as long as patient is enrolled in Medicaid insurance must be billed and patient can not be billed. This provider is billing us for covered services that must be billed to Medicaid My son XXXX XXXX was the patient
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC on accounts # XXXX and # XXXX are reporting as collections on my credit report. However I never received any kind of notice for these collections nor did I receive my 30 day right to dispute letter. This is a violation of my 30 day right to dispute and should be removed.
Product: Debt collection

I am sumbitting this complaint because I dont know what else to do to get a solution or at least a response from JP Morgan Chase Bank. 

Chase is not respecting my rights as a consumer. They are violating the FCRA, and I really hope to get a solution because this issue is overwhelming for me now. The account is the following : business account XXXX, opened by XX/XX/2018, limit {$56000.00}. 

I need to express that this situation is causing me XXXX XXXX, and I need chase to take the right action on this. I am demanding Chase to remove the item. That is the less they can do after all the issues that Ive been through because of their erros, negligence and unfair business practices, and some other serious violations such as reporting a business account as personal account, etc. 

Please send the attached documents to Chase. 

Thank you!
Product: Payday loan, title loan, or personal loan

I recently visited Bethpage federal credit union on XXXX XXXX XXXX XXXX on XX/XX/2023 and tried to open a secured loan for XXXX XXXX I was denied because they said I did not have enough money in my account. Today XX/XX/2023 I called Bethpages ' headquarters and was told the minimum to open a secured loan was in deed XXXX XXXX I believe the branch on XXXX XXXX XXXX XXXX discriminated against me.