23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Multiple times I have contacted all 3 credit bureaus XXXX  and XXXX  about the false collections showing on my credit for XXXX XXXX XXXX XXXX through a collection company called PARAMOUNT RECOVERY SYSTEMS for {$420.00}. This collection is not mine and is from identity theft, the collection agency has been contacted and can't provide proof that this account is legally mine.
Product: Credit reporting or other personal consumer reports

Complaint to the CFPB regarding personal data exposure and negative credit records Summary of the Situation : Dear CFPB Representatives : I am submitting this complaint to request an investigation following a security breach in which XXXX  XXXX XXXX XXXX XXXX ( TDECU ) failed to adequately protect my personal information. According to XXXX, on XX/XX/year>, a third party gained unauthorized access through the XXXX software, affecting thousands of customers and exposing sensitive data, including my name, address, date of birth, Social Security number, and bank account number. This failure to protect my information has caused significant vulnerability in my credit history and increases the risk that negative information on my report may be inaccurate or impacted by unauthorized activity. 

Legal Argumentation : Violation of the Gramm-Leach-Bliley Act ( GLBA ) : Safeguards Rule : Under this law, financial institutions must implement strict security measures to protect customers ' personal data. XXXX did not meet this obligation, exposing me to risks and compromising the accuracy of the information reported on my credit report. 
Privacy Rule : XXXX  was obligated to promptly notify me about how it protected my information, and its failure to do so directly affects the validity of the negative records reported. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Section 1681i ( a ) - Right to Accurate Information : Due to this data breach, the negative information reported by TDECU may be inaccurate. This section requires that all information be accurate and verifiable. 
Section 1681s-2 ( b ) - Obligation of Information Furnishers : The law requires creditors to verify the accuracy of information before reporting it. Given that XXXX acknowledged the exposure of my data, they may not have met this requirement. 
Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Section 1692e - Prohibition of False or Misleading Representation : Any negative representation reported without adequate protection of my data could be considered misleading and may not accurately reflect my actual credit situation. 
Request for Investigation and Correction : I request that the CFPB investigate this case and determine the accuracy of the negative information reported by TDECU on my credit. I also ask that these negative records be removed due to the failure to protect my personal data and the vulnerabilities created by its exposure. I trust that the CFPB can ensure my credit report is fair and accurately reflects my history without errors caused by negligence beyond my control. 

Thank you for your attention, and I look forward to a prompt response that protects my rights as a consumer. 

This complaint emphasizes XXXX 's failure to fulfill its legal responsibilities and requests an investigation to ensure that your credit report reflects fair and accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

JD BYRIDER reported full repossession with {$0.00} owed in error after I paid {$700.00} to restore the account. I made the payment 6 days prior to the company making the report as shown on all credit reporting agencies. This caused my credit score to drop almost a 100 points even though I have full possession of the vehicle. I called the company and the finance manager stated they would not have done that and would look into it. The following day they shut off my car while we were at a convenience store. I have proof that I was only 2 weeks late on payment. Not 30 days. I pay biweekly. Their f8nace team sent an email about payment today but did not state the car would be shut off. There are major repair issues that they sold me the with and yet they refuse to fix without me paying for it. I have asked to file a formal complaint about the illegal reporting and they have not responded. They took my money XX/XX/23 and reported on XX/XX/23 full repossession with {$0.00} money owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 stated 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 law for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my account as soon as possible as I am having difficulty accepting this issue and it is affecting my ability to sleep. I urge you to remove any inaccuracies and confirm that I have always made timely payments, as this situation is causing me a lot of XXXX.
Product: Debt collection

On XX/XX/19, XX/XX/19 and XX/XX/19, I have attempted to reach out to the credit bureaus as well as the actual creditor for assistance with accounts that are reporting on my credit file in error. I requested method of validation on XX/XX/19 and no response has been received from the credit bureaus.
Product: Debt collection

They say they are collecting for XXXX but they refuse to send me a bill after verifying my address 3 times in which they should have since they say all calls are recorded and I have said as much trying to get a bill. Ask for all their recording and lets see.
Product: Credit reporting or other personal consumer reports

Account was stated late and a joint account. I am not a joint account owner it was in XXXX XXXX XXXX name only. I was turn down on the account.
Product: Credit card

greetings to the CFPB team I am writing because I had XXXX bank of america credit cards with a limit of XXXX dollars approximately and they used my tdc without permission through an internet site that I am totally unaware of and they overdrew my cards twice as much allowing the bank to do this my cards were cancelled by the bank they sent me to collection and the bank knowing it was a scam did not want to answer me and they sent me to collection without proof and me informing them they just used my cards.
Product: Credit reporting or other personal consumer reports

I am wanting to formally dispute the inaccurate and inconsistent reporting of the account # [ XXXX ], listed as XXXX, on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, fair, and substantiated reporting of all accounts on my credit file. Upon reviewing this account, I have identified multiple errors and inconsistencies that warrant its removal from my credit report.Based on the account details provided in the report, the following issues and potential violations of the Fair Credit Reporting Act ( FCRA ) are identified : 1. Inconsistent High Credit Across Bureaus : The High Credit is reported as {$4900.00} by XXXX and XXXX, but Equifax reports {$5800.00}. This discrepancy violates FCRA XXXX ( b ). 
2. Conflicting Date Last Active : The Date Last Active differs across bureaus : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX This inconsistency affects the reporting timeline and violates FCRA 1681e ( b ). 
3. Inaccurate Payment Status : The account is listed as Collection/Chargeoff, but comments indicate it is being managed by credit counseling services or a financial counseling program. This misrepresentation violates FCRA 1681s-2 ( a ) ( 1 ) ( B ). 
4. Untimely Updates : The Last Reported date is delayed, with XXXX and XXXX showing XX/XX/XXXX, which raises concerns about compliance with FCRA 1681s-2 ( a ) ( 2 ) requiring timely updates. 
5. Unverifiable Information : Given the conflicting information, it is unlikely the creditor can substantiate the accuracy of this account. Under FCRA 1681i ( a ) ( 5 ) ( A ), unverifiable accounts must be deleted. 
6. Potential Re-aging of Debt : Discrepancies in Date Last Active may indicate re-aging of the debt, violating the 7-year limit for reporting negative accounts under FCRA 1681
Product: Debt collection

GLA is violating my rights. The company is trying to collect the debt that is not owed. Also publish ed inaccurate information on my credit report. The account was open by identity theft. The company does not have an original signed copy of a contract. 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 : States a consumer reporting agency can not furnish a account without my 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 crime which antedate 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 responsible costs to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like a proper investigation into my reports and soliciting
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This continuing to report an account in judgment status is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is inaccurate. The other Bureaus are not reporting this information.
Product: Checking or savings account

Chase Bank account rep XXXX XXXX tonight advised me that their system is down and they are not notifying or listing debits made from my checking account. This is a problem because people might be stealing money from me without my knowledge. He also said they may never notify me of these transactions. I caught them tonight but could this be happening regularly.
Product: Student loan

I have been employed continuously with the Government since XX/XX/XXXX and I have had student loan from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) and FedLoan Servicing. My Non-Direct loans from both XXXX and Fedloan Servicing were consolidated into Direct Consolidation Loans in XX/XX/XXXX and were transferred to Fedloan Servicing. After consolidation the amount were as : Direct Consolidated Loan ( Subsidized ) {$18000.00} Direct Consolidated Loan ( Unsubsidized ) {$21000.00} In addition to the loans above, I had {$13000.00} Direct Student Loan with Fedloans Servicing which I did not consolidate in XX/XX/XXXX, since I have already made some XXXX qualified payments on it and if consolidated, I could lose those qualified payments. 
However, after XX/XX/XXXX, when Education Department announced the XXXX waiver, due to the loosening XXXX qualified payments program, my consolidated loan, became eligible for forgiveness due to its XXXX qualified payments. 
Based on the XXXX waiver program, If I could consolidate all of my loans, my entire student loans ( {$18000.00} + {$21000.00} + {$13000.00} ) could be forgiven. In accordance with the XXXX waiver information on XXXX department website ( Link is shown in the attachment ), the new consolidation loan would be credited with the largest number of payments of the loans that were consolidated. In my case, since I have already made XXXX qualified payments on two of my loans, consolidating the entire student loan, could be given credit of XXXX payments for all of my loans and could make them eligible for forgiveness. 
After I called the Ed Department and got their OK, I consolidated all of my loans ( {$18000.00} + {$21000.00} + {$13000.00} ) in order to get all of my loans forgiven in accordance with the XXXX waiver. 
However, before, my new consolidation get processed by Fedloan Servicing, they sent me a letter stating that some of my student loan was forgiven ( {$18000.00} + {$21000.00} ) and left me with a balance of {$13000.00}. 
And Finally on XX/XX/XXXX, they sent me another notification stating my loans couldnt be consolidated since the two Forgiven loans have a balance of 0. 
I called Fedloan but they kept saying that if they allowed my loans get consolidated, I could lose the qualified payments for the two forgiven student loans. They did not have enough information regarding the new XXXX waiver that Consolidation will NOT reset the XXXX count and it does not matter how many times you consolidate your loans, what matters for the XXXX waiver is if the loan ( before or after consolidation or multiple consolidations ) were in repayment and if you made XXXX payments on the student loans and if you were employed by a qualified employer.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX is reporting a {$1500.00} open balance on an account that I have no knowledge of. The reporting address and phone number they have for this account is inaccurate. This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) Delete Account Immediately for violation of 15 USC 1681 ( e ) b I have disputed this account with XXXX, XXXX, and Equifax credit bureaus. My results have come back as account updated and remarks added to credit profile for XXXX XXXX XXXX account. 

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX is reporting information that I have asked to have verified multiple times. The Debt collector is reporting different dates and payment activity to the different bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failed to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my good standing. I am requesting immediate corrective action to remove or amend the disputed accounts., as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX I am writing to formally dispute several unauthorized credit inquiries that have appeared on my credit report. These inquiries were not authorized by me and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bailey Act ( GLBA ). 
The specific inquiries in question are as follows : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX 
( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Report. Agencies XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX and Finance Companies Other Than XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX, XXXX Under 15 U.S.C. 6802 ( GLBA ), financial institutions are required to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information. Additionally, under 15 U.S.C. 1681b ( FCRA ), a consumer reporting agency may furnish a consumer report only under certain circumstances, such as with the consumer 's written consent. 
I did not provide consent for these inquiries, and they were made without my authorization. Therefore, they are in violation of the aforementioned statutes. I request that you investigate this matter and remove these unauthorized inquiries from my credit report immediately. 
Enclosed, you will find copies of my credit report highlighting the unauthorized inquiries, as well as any other relevant documentation to support my claim. Please confirm in writing that these inquiries have been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.