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

XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$2100.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2100.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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. 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 under 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 am writing to express my concern regarding two letters I received from LexisNexis, dated XX/XX/XXXX. 

The first letter, titled " RE : Unable to Process Request, '' stated that the company was unable to authenticate my identity. However, I had not made any requests to LexisNexis. I believe this letter may be connected to a recent issue of identity theft that I have been experiencing. 

Consumer Number : XXXX Case Number : XXXX The second letter, titled " RE : Description of Procedure, '' was included in the same mailing. Unfortunately, the purpose and content of this letter were unclear to me, leaving me uncertain about its relevance or implications. 

Consumer Number : XXXX Case Number : XXXX To address these concerns, I contacted LexisNexis by phone on XX/XX/XXXX, to alert the company to the fraudulent request for my data. During this call, I was informed that a freeze would be placed on my report to prevent further unauthorized activity.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history.If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation.According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Checking or savings account

On XX/XX/2021, we went to the Wells Fargo ATM machine located on XXXX XXXX XXXX of XXXX, and attempted to withdrawal {$700.00} from my checking account. The account was debited, and no cash came out. I tried to resolve with Wells Fargo bank by escalating this issue. My account now has only {$300.00} and the amount that was deducted from my account of {$700.00} was not returned to my account. The screen shows no cash is available at this machine. I took a picture of the ATM machine and called Wells Fargo bank and they won't credit my account. Now I'm out of {$700.00}. The problem is that I need the cash. The issue allegedly can not be resolved for 10 days. The bank has taken my account XXXX and I am unable to access my fund as the balance was deducted {$700.00}. The Wells Fargo bank refused to assist me other than stating that it'll take XXXX to 10 days to investigate. This is robbery. I'm outraged.
Product: Money transfer, virtual currency, or money service

My account with Coinbase has been compromised. I have been trying to get in contact with representatives in order to have my issued fixed. Due to their telephone, I am unable to get a hold of anyone and I'm directed to " open a ticket '' within their website. I am unable to log into their website since my account has been compromised. No one in coinbase is able to assist me.
Product: Student loan

I enrolled at the University XXXX XXXX and was told XXXX credit hour classes would cost {$700.00} and that I would have good career prospects in XXXX XXXX at the end. As I got further in my degree, the price per class went up to {$1500.00}. I was too far in to transfer schools as I would have had to repeat several classes. I ended up graduating but unable to find a job in my field. I repeated my whole degree in the same field at a difference school ( XXXX of XXXX ) and then was able to find a job with that degree.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX a creditor may may not treat a payment on a credit card acct under an open end consumer credit plan as late for any reason. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX a i have a right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE XXXX ACCT ALL PSTED LATE PAYMENT WHICH I DID NOT HAVE. WOULD LIKE REMOVED
Product: Credit reporting or other personal consumer reports

Dispute of Collection Account on Credit Report Dear CFPB I am writing to formally complaint because i found a collection account listed on my credit report. After reviewing my credit report, I noticed an entry that I believe is inaccurate and in violation of certain federal laws. The details of the account in question are as follows : Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/year> Creditor/Collection Agency : XXXX XXXX XXXX Account Number XXXX XXXX XXXX of Entry : XX/XX/year> Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/year> Creditor/Collection Agency : XXXX XXXX  Account Number : XXXX Date of Entry : XX/XX/year> My dispute is based on the following federal statutes : 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act - Privacy Protections ) : This statute regulates the disclosure of nonpublic personal information by financial institutions. I believe the collection account listed involves the unauthorized disclosure of my personal financial information, in violation of this privacy protection statute. 

15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purpose ) : According to this section, a credit report can only be accessed for permissible purposes. I question whether the collection agency had a legitimate and permissible reason to access my credit report and report this account to the credit bureaus. 

18 U.S.C. 1028A ( Identity Theft - Aggravated Identity Theft ) : This statute criminalizes the use of someone else 's identification in connection with the commission of certain felonies. If this collection account was opened or reported using fraudulent information or without my authorization, it could potentially involve identity theft. 

Given these concerns, I request that you investigate this account in detail. Please provide me with the following : Proof of the legitimacy of the debt and the collector 's right to report this account. 
Documentation of the permissible purpose under which the collection agency accessed my credit report. 
Confirmation that my personal and financial information has not been mishandled or disclosed improperly. 
Until this dispute is resolved and the account verified, I request that this collection account be marked as Disputed on my credit report. 

Please respond to this dispute within the timeframe required by law 30 days for receiving this notice. Additionally, please provide me with written confirmation of the outcome of your investigation and any amendments made to my credit report as a result. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer. 
These are the accounts I've marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Card - XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX marked as a charge off but once a charge off its unlike you can keep marking the days as late payments or payments in general after the day it was closed and this is violating the laws of 15 U.S code 1681.
Product: Student loan

I have tried to resolve this issue with a navient and they act as though the issue is resolved before the call is over but then I get erroneous letters that only go to my Navient XXXX that do not match what we discussed. 

In XX/XX/XXXX I received notice that it was time to renew XXXX. I submitted requirements by the deadline and it was approved XX/XX/XXXX. 

Beginning XX/XX/XXXX I was to pay {$23.00} per month. 

I logged into the Navient site on XX/XX/XXXX and my payment stated that I owed {$140.00} XXXX knew that wasn't correct, based off the letter I received but did not want my credit to be effected so I paid it. I logged in sometime after XX/XX/XXXX to see if it was corrected and it XXXX not I called and was told my monthly payment was {$130.00}, I eventually asked for documentation because the site had greyed out my XXXX agreement and it was not accessible. I spoke to another representative who stated that the accounts were not aligned correctly on the same payment schedule and one she corrected it she advised me that my payment amount was no longer displaying a payment of {$130.00}, but {$22.00}. She advised me that the change should be available to view within XXXX hours, so wait to make payment. Around XX/XX/XXXX, I logged in and paid {$25.00}. Then, around XXXX, Navient sent me a delinquency notice for payment of about {$15.00}, stating that they had not received payment for XX/XX/XXXX. I could clearly see the payments reflected on XX/XX/XXXX and XX/XX/XXXX, but again I cant allow my credit to be compromised so I paid the {$15.00} on XX/XX/XXXX. I have now paid 7 months of my required payment and even prior to this incident the billing has been extremely sketchy. Can some one please review this company and their practices because I feel that they are taking advantage of me and I can not get anyone in this company to make this make sense. I am extremely upset that I have made over {$180.00} in payments for one payment they was supposed to only be {$23.00}! And they have the nerve to send me an erroneous delinquency letter, when in fact they owe me. You have my permission to dive as deep as necessary into the lifetime of my loan with this company. I have been trying to have them explain to me since XX/XX/XXXX, why my balance states {$140.00} with no clarity. I have made several payments to avoid late fees that come to nearly {$700.00} and they just keep taking the payments and telling me I owe more and more. This is not right. I am a single parent and can not keep this nonsense up in our current economic state. I'm exhausted working overtime to pay balances that should not be. Please review and take necessary action to resolve this unethical activity that is going on with my account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to address a problem with accessing our credit report that only they can fix. We worked with five different difficult-to-understand agents, supervisors, and managers over a period of three long hours and none of them were willing to do anything but execute the same old script which required us to answer a number of computer-generated questions that our answers did not satisfy. A number of those questions were based on the content of our credit report. I believe the failed answers were actually due to incorrect content in the report, not our personal information. That is evidenced by a number of online attempts which presented a number of content questions that were obviously not from our account because none of them matched any of our mortgage or credit items. Not only did they carelessly allow hackers to steal our data a couple of years ago, they are now corrupting our report so badly that we can't even access it. They claim they are trying to protect our identity, and are requesting we submit additional information to prove our identity before they can allow us to access our account. But, why should we because they have already proven themselves to be untrustworthy and unresponsive? Besides, all a banker needs is our name and SS numbers to access our report, and we have already given them far more than that -- and it's our information! How long are we to put up with Equifax 's careless and incompetent handling of important and sensitive information? By the way, our credit reports with XXXX and XXXX are fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with US Bank with the belief they have reported negative items to my credit report not in compliance with current Consumer Protection law.  Specifically, the FCRA and the FDCPA. I requested that they investigate beginning in XX/XX/XXXX by first sending dispute letters to all three credit bureaus.I followed up on this request by sending dispute letters in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I sent dispute letters directly to US Bank with desire to correct this error. I have continued this process with letters sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My self  account  is closed I have paid the full amount XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXXEquifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed Date : XX/XX/2018 ; Bankruptcy : Discharged XXXX Reference number : XXXX Filed Date : XX/XX/2018 2018
Product: Debt collection

XXXX XXXX XXXX XXXX WY XXXX, GA XXXX XX/XX/year> DRS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Dispute of Fraudulent Collection - Account Amount {$1300.00} Dear DRS, I am writing to formally dispute a collection effort related to an account that I believe to be fraudulent. According to my records, I have no obligation to pay the amount of {$1300.00} that has been claimed by your company. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you provide me with verification of this debt, including documentation that proves the validity of the account and its rightful ownership. I believe this collection is erroneous and may be affecting my credit report.

Please provide the following information : 1. Proof of the debt, including the original account number and the original creditors name.

2. A detailed statement of the charges leading to the claimed amount.

3. Any relevant documentation that demonstrates my responsibility for this debt. 
Additionally, I request that you cease all collection efforts until this matter is resolved. 
I appreciate your prompt attention to this issue. Please respond to me in writing at the address provided above within 30 days. 
Sincerely,
Product: Checking or savings account

I opened an account with Chase Bank of XXXX XXXX, I then a few years later moved to XXXX   and was working part time with my mom during the pandemic. I virtually deposited two checks from my moms company into my Chase account. Chase then accused my checks as fraud and closed my account without even attempting to confirm the checks with the company or even reaching out to me with the concern. After almost two months of phone calls to the branch and customer service I am being taken round for round on what is really happening to my money. I was told I would receive a check in the mail with my remaining balance on it. I waited a month and nothing came so I called again. They told me to be more patient. So I did. I waited another month and now Im being told by one person my check was sent on the XXXX of XXXX but another person is telling me they still need to confirm with the company that the checks can be cleared. Im fresh out of college and the amount of money may seem small to some but to me it means a lot. Im in a tough spot and really need my money but everyone I talk to continues to tell me they cant help me, they transfer me to someone else, and the cycle repeats.
Product: Credit reporting or other personal consumer reports

There are XXXX accounts for student loans. XXXX showed up last week. Different account numbers, different amounts, now they show the same amount, different accounts. Unclear as to what is going on and if our information is secure. 

Please remove both accounts from the credit bureau 's system, as it is a possible breach of my social security number. 

XXXX XXXX details 0 % paid off Balance {$38000.00} Balance updated XX/XX/XXXX Original balance {$38000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number ( XXXX ) XXXXXXXX XXXXDEPT OF ED Balance details 0 % paid off Balance {$38000.00} Balance updated XX/XX/XXXX Original balance {$37000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Contact info Address XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

When XXXX On XX/XX/XXXX, I was XXXXXXXX XXXX XXXX XXXX. And wrongfully And I was XXXX  for approximately XXXX weeks. And during that time, My social security card. My id From Georgia and Ohio. We're stolen My phone My Cash App cards. My bank cards. My prepaid cards. My bank statements. From my PNT account. Some diamonds And my newborn 's keepsakes. Furthermore, ever since then. And I'm pretty sure I know who who did it. Things have been coming up in my name like I've been doing them. And it's not me. Also some of my old cellphones. We're stolen And I'm pretty sure it had been being used. For random things or transactions. Like I've been doing them and it's not me. Further, I try to make a police report. When the police were here to get My boyfriend 's cousin. And they told me that I had to call the non-emergency dispatch. And get them to do an identity. I stole an identity verification or affidavit. Furthermore, I broke my phone. The power button on my phone. And so I haven't had a way to communicate. For months I literally have not had a cellphone. Since XXXX Furthermore Before I broke the screen on my phone, I looked at my cash app and It stated that I was sponsoring my daughter 's account and I didn't know what that meant. And then I looked at It again And then it said that I Ended the sponsorship or something like that. I don't know. There's just Someone is doing things on my cash app and it wasn't me. And I know who it was Furthermore. I didn't go against the terms and conditions of Cash App. The person who had my phone did. That's my account Should not be closed.