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

I contacted the Child Support Agency 2x from XX/XX/XXXX- XX/XX/XXXX and each time they said this account has been closed since XX/XX/XXXX and they will submit information to the credit agencies to remove this information from my account because it is paid in full. XXXX credit agency never investigated anything. I have also requested this information from the child support agency and they said because this account has been closed for so long it has now been Archived and the wait for me to receive this information could be substantial. Either the reporting agency never investigated by submitting this info to child support or never investigated the so called findings from child support to assure accurate reporting on a consumer 's credit report. per 15 USC 1692. In addition this account had been opened in XXXX, again showing the lack of investigation done by anyone because this account should have been removed years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, CHILD SUPPORT ENFORCEM XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXXXXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

no idea of any new company, i was sick with XXXX  for a year and a half and all these accounts pop up XXXX Updated XX/XX/2022 Current Balance {$360.00} Original Balance {$360.00} Additional Information Responsibility Individual Remarks Placed for collection Creditor Name XXXX XXXX XXXX  Contact XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Product: Mortgage

I have contacted Bank of America multiple times that I need an explanation in writing why they have shut my LOC down .. I have never been notified in mail why they have terminated the line of credit .. I have been making monthly regular payments. I emailed and sent requests for them to contact me and never received any reply.
Product: Debt collection

I had routine physical lab services for a XXXX XXXX XXXXXXXX XXXX performed in a physicians office that had covered without question by isame nsurance previously fact Additionally, ,there was 12 to 18 month gap in communication from time of service until notification by provider of balances due. 

There was an extreme back up in communications by all parties that prevented timely discussion, objection, and resolution
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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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: Debt collection

I was contacted by a debt collector for XXXX XXXX XXXX XXXX XXXX XXXX. The debt collector was Aldous & Associates. They threaten to report me to credit bureaus, and said it could hurt my credit score. This was on a letter sent to me XX/XX/XXXX. I had a paid XXXX XXXX for 1 month of membership which was XXXX XXXX but canceled and they continued to charge me for 5 months extra amounting to XXXX XXXX XXXX XXXX got me my money back when I filed a chargeback. I go to XXXX in XXXXXXXX XXXX  a place where XXXX is not there. The gym allows kids as young as XXXX to sign up and then they threaten them with debt collectors when they try to cancel.
Product: Debt collection

I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed. The attorney did not perform the services they charged me for and have gone out of business.
Product: Vehicle loan or lease

On or about XX/XX/2022 an auto loan was opened with CREDIT ACCEPTANCE CORPORATION under my name. When I identified this, I contacted the lender and requested information. The DOB they had on file was not the correct DOB to match me, and they wouldn't talk to me, even though they are reporting to my credit report.

After calling several times I was able to get someone in the phone who informed me the loan was in my name, and all identifying information matched mine, except the DOB. I was then instructed to email a copy of my driver 's license so they could update the DOB and report the account as fraud and close it. That has been at least 3 months and they have ignored my request. 

I have since filed a report with the FTC and notified the DMV in the State of Hawaii where the car was purchased. As to date, the license plate has not been renewed since the car was purchased in XX/XX/2022. 

I have also filed several disputes with credit bureaus, all of this have been denied. They now have a copy of the FTC Identity Theft report and said they are currently working to block this account along with several others that was purchased, along with another auto loan that was opened. 

( Documents Attached To This Report )
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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights.Under 15usc 1681 section602, states I have the right to privacy. 15usc 1681section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.
Product: Mortgage

I am trying to refinance my mortgages, and Specialized Loan Services is completely failing to respond to any inquiry from either me, or my new loan provider. I have attempted to contact them repeatedly in the last few days, and my loan provider has been trying for weeks. I've tried via phone and secure message and have been ignored.
Product: Credit reporting or other personal consumer reports

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.
Product: Money transfer, virtual currency, or money service

I am filing 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX  While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : CREDIT PLUS XXXX XXXX XXXX, MD XXXX  ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

XXXX XXXX
Product: Student loan

The school I attended was XXXXXXXX XXXX XXXX on XXXX XXXX XXXX Texas the school no longer exists they bankrupt or something. It was not listed on the drop box so I just put oneI was paying out of pocket tuition all the years I was there dont even know why its on my credit I couldnt go to class unless I paid.Called the credit bureau one of the student loans was deleted but others was not I have applied for public service for working through my job one of the XXXX I worked for never responded. I now work for XXXX I drive the XXXX XXXX for 7 years .None of the student loans should be on my report They keep putting it back on my credit
Product: Student loan

Servicer Name : ED Financial Services Loan Type : Federal Student Loans Loan Status : Currently in forbearance, enrolled in the XXXX plan I am filing a formal complaint against ED Financial for their continued mishandling of my federal student loans. My loans have been in forbearance, and I am enrolled in the XXXX plan, yet ED Financial has been illegally adding interest to my loan balance for over a year now. This is an ongoing issue that I have experienced multiple times, and I am fed up with their incompetence and blatant disregard for federal loan regulations. 
How is it possible that interest is accruing on my loan balance when the interest rate is 0 % under the XXXX plan and during forbearance? This question needs to be addressed immediately. If the interest rate is 0 %, then no interest should be added to my loan balance. ED Financial 's actions are completely unacceptable, and I demand an explanation. 

Under the terms of the XXXX plan and federal student loan guidelines, interest should not be capitalized or added to the balance during forbearanceespecially for borrowers enrolled in an income-driven repayment ( IDR ) plan. ED Financials refusal or inability to follow these basic rules is infuriating, and I will not tolerate it any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the account. This is an error made by the company and i'm the one suffering.
Product: Debt collection

This is my second complaint submitted against XXXX XXXX.They insist on calling me at work. 
The last phone call was today XX/XX/18 @ XXXX. XXXX is the collectors name. I specifically asked her why she was calling me at work. She said it was one of the contact phone numbers on my account. I told her it was against the Fair Debt Collection Practices Act to call me at work and they could face a {$10000.00} fine for each attempt knowing they are calling my work number. She told me she had never heard of this act before. 
It's very obvious that this is my place of employment by the way the phone is answered by the receptionist. 
This must stop. Please help me.
Product: Credit card

This account constitute a clear violation of the contract and are fraudulent. The bank did not provide me with critical information about this fraudulent account, which directly infringes upon my consumer rights. Consequently, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to address this matter directly, as the bank 's actions have caused substantial harm to my financial situation. The account in question is : XXXX XXXXXXXX
Product: Debt collection

**This is not  an Duplicate Complaint. Follow up from Complaint  #  XXXX  There is no need place an " Dispute '' on this account your claiming is mine.     The aforementioned credit collection agency representing whomever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ARS Account Resolution does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay  ) the y need to retract this from my credit file immediately.
Product: Debt collection

An internal glitch in TD Bank 's online billpay system caused XXXX, a vendor used by TD Bank, to pay {$95.00} without being reimbursed by TD Bank. XXXX is attempting to recoup the money they lost through this glitch directly from me rather than from TD Bank. TD Bank is refusing to take responsibility for the error and wants me to communicate with their vendor. 

I did not authorize the payment in question. 

I do not have an account with XXXX or any previous contact with that company. They are a vendor for TD Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS TRYING TO HAVEME PAY FOR SOMETHING THAT DOSENT BELONG TO ME, IT IS A CAR LOAN THAT WASENT ON MY NAME IT WAS ON MY SOCIAL SECURITY NUMER BUT WITH ANOTHER NAME, ANOTHER ADREESS ANOTHER PHONE NUMNBER, WHEN I KNOW ITS I CALL RIGHT AWAY THEY ASK ME FOR MY PERSONAL INFORMACION AND I PROVIDED IT TO THEN, I OPEN A COMPLAAINT AND WHEN THEY CLOSED IT THEY DICIDED THAT THAT ACOUNT BELONGS TO ME BUT WHAT XXXX DID THEY CHANGE THE INFORMATION THAT THEY HAD FOR THE ONE THAT I PROVIDED, I NEED THIS ACCOUNT TOTALLY REMOVED FROM MY SOCIAL SECURITY NUMBER BECAUSE IT IS NOT MY THIS WAS A FROUD ACCOUNT THAT DOSENT BELONG TO ME.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, Google made an XXXX debit in the amount of XXXX USD from my bank account ending in XXXX. This may have occurred as part of linking the account to Google Pay. The corresponding deposits were never credited to the bank account ending in XXXX and a refund of the debited funds was never reversed to the account ending in XXXX or credited to my Google Pay balance. According to the bank that holds the account ending in XXXX, Google transferred the balance to an account ending in XXXX.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, ID ) for your verification. 
Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Debt collection

XXXX XXXX never billed NC Medicaid for XXXX services, sent it to collections. I sent my insurance information to collection company twice. Collection company still has n't billed NC Medicaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

1ST FINL INVSTMNT FUND Is reporting a debt that I do not owe. I have no idea what this collection debt is. I have never received any phone calls, collection letter, nothing! They added this to my credit file and they are in violation of my 30 day right to dispute.
Product: Debt collection

Sometime on XX/XX/2020, after I went to a mortgage company, trying to buy a house, I found out that multiple collection accounts were on my credit report that I had not idea of. On XX/XX/2020, I started my first dispute with the credit bureaus to remove the accounts that were not mine. After a few disputes I got some letters from the credit bureaus requesting a Police Report, so, on XX/XX/2020, I went to file a Police Report. With the police report in my hands, after a few times of mailing to the Credit Bureaus, XXXX  and XXXX  finally removed the unknown accounts from my report. Unfortunately, XXXX  has been refuse to remove an account and that is allegedly because QUALITY ASSET RECOVERY, is verifying the alleged debt, so I am now contacting the CFPB because I need this collection account out of my credit report, it is affecting me a lot.
Product: Checking or savings account

Wells Fargo Incident Date : XX/XX/2021 I did not give permission to report this to anyone because I have a right to privacy, according to 15 USC Code 1681 Section 4.To remove this from my XXXX XXXX XXXX XXXX XXXX profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 1 ) XXXX XXXX  # XXXX XXXX ) XXXX XXXX  # XXXX XXXX ) XXXX XXXX XXXXE # XXXX XXXX ) XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) BANK XXXX XXXX # Unknow XXXX ) XXXXXXXX  # XXXX XXXX ) XXXX  # XXXX XXXX ) XXXX XXXX XXXX  # XXXX XXXX ) XXXX XXXX # XXXX XXXX ) XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX