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

There is information thats on my consumer report that appears on my EXPERIAN consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXDate opened- XX/XX/year>. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Product: Credit card

At the end of XXXX.Multiples unauthorized payments were allowed that i had to have rescinded XXXX Was told a XXXX XXXX dollar adjustment was made and then asked to have it taken off and they said tough luck just figure it out and pay it back. 

XX/XX/18 Was told a XXXX dollar payment I made hasnt been applied to credit limit and I asked multiple times and they said it was waiting then, on the day it was meant to paid back they backtracked and said it was even though on multiple recorded lines said it hadnt and even had me verify with the bank twice. 

I asked for a limit raise as a gesture of good will or just a credit adjustment of the misled amount to make up and they refused saying they could do nothing. 

I have been lied to multiple times over the past few days and you can request the calls.
Product: Student loan

American Education Services claims it is exempt from the CARES Act that mandates all Federal Student Loans must be put in automatic no-interest forbearance due to the COVID-19 crisis. They are claiming that the CARES Act applies only to loans held by the ED ( Department of Education ), and not by lenders such as themselves. They claim that I do not have Federal Student Loans with American Education Services that fall under the CARES Act. 

I, in fact, do have Federal Student Loans. These are not private loans. I got them when I was in school in XXXX, and my Federal Student Loans were serviced by XXXX. In XXXX, American Education Services purchased my loans from XXXX, without any input nor approval from me. When I log in to American Education Services, and look at my loans, I have two loans : One XXXX Loan, and one XXXX Loan. 

I am requesting that American Education Services comply with the instructions mandated in the Federal CARES Act, and place my loans in ZERO-INTEREST Hardship Forbearance, as required by the Federal Government in the CARES Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20 Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$220.00} ) To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX of XXXX, XXXX ( XXXX ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX
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 : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Credit reporting

On XX/XX/2016 an unauthorized inquiry was placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize theses company to pull my credit report XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, & XXXX XXXX. I have filled numerous grievance about the matter but to no avail. I even send the paperwork to all three ( 3 ) reporting agencies, their reply is that the information reported is correct ; yet when I asked for proof that it's me requesting theses credits they reply it matches my credit filled, so all these inquired into my report has lowered my credit score and the agencies refused to remove theses inquired, even when I submitted the request I sent to theses company to remove their inquires for credit, because I didn't request credit from their companies
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to conduct a reasonable investigation into disputes regarding inaccuracies in my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours, asserting that the disputed accounts are accurate without providing any evidence of a thorough review.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes. Additionally, XXXX actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar misconduct. 

I respectfully request that the CFPB take immediate action to ensure Equifax complies with federal law and provides consumers with verifiable proof of a proper investigation. Furthermore, I request the deletion of the disputed accounts from my credit report, as Equifax has failed to fulfill its legal obligations. 

Below are the accounts I have marked as inaccurate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX. XXXX XXXX - xxxxxxxxxxxx XXXX {$790.00} XXXXXXXX XXXX XXXX XXXX XXXX {$2900.00} Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days : XXXX XXXX XXXX XXXX {$380.00}, XXXX XXXX XXXX {$3100.00}, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX XXXX my grandmother pasted away and we shared a bank account, my family didn't help take care of my grandmother, I lived and stayed with her for 4 years taking care of her. My family started abusing the legal system by lying and making stuff up. In the midst of all that Cadence Bank allowed unauthorized People access to our account which resulted in the loss of a total of XXXX dollars. I have tried and tried time after time again to communicate with this bank and it does no good what so ever, I am handled like nothing by these people every time I make an effort they are always rude, the company is XXXXCadence Bank XXXX XXXX XXXX XXXX AL XXXX '' My grandmothers name and mine were the only XXXX names on the account. please help me resolve this issue. I am tired of being run over by these people and have not been treated fairly at all .... please help. 


Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information was leaked by Equifax, including Name, DOB, Address, SSN, etc. some time before XXXX XXXX, 2017 due to a security breach caused by gross negligence with regards to security practices surrounding their website. 

No action was taken by Equifax, who actively refused to publicly acknowledge this breach, for over five weeks. 

Once knowledge of this leak became public, they attempted to offer a single year of credit reporting services- services they happen to profit from- which also included a binding arbitration clause protecting themselves from civil liability to their own incompetence. This offer was rejected out of hand as insultingly inadequate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT KNOWW THIS COMPANY : EASTERN REVENUE INK
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove account and inquiries from my credit report which I have never had before and do not belong to me. Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of negative accounts from my credit report in accordance with the Debt Bondage Repair Act. These accounts were reported incorrectly as they are the result of debt bondage or other unlawful acts. I have enclosed the necessary paperwork that verifies this claim, including [ mention any specific documents, such as police reports, court orders, or government-issued documentation supporting your claim ].

I ask that you review the attached documentation and take the necessary steps to remove the inaccurate information from my credit report immediately. I am currently homeless and have included my passport for identification purposes. I understand that under the Debt Bondage Repair Act, you are required to remove or block any information associated with unlawful activity from my credit report. 
The following accounts should be removed : [ XXXX XXXX XXXX ] [ XXXX ] Transunion [ XXXX XXXX ] [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] transunion [ XXXX XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX XXXX XXXX ] - [ XXXX ] Transunion Inquiries to be removed XXXX XXXX XXXX XXXX Transunion ) XXXX XXXX XXXX ( Transunion ) Please confirm in writing once the negative information has been removed from my report. Additionally, if you require any further documentation or have questions regarding this matter, do not hesitate to contact me. 
I appreciate your prompt attention to this important issue and look forward to your swift response.
Product: Checking or savings account

XXXX, My name is XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX I have an issue with my funds with my direct deposit from social security XXXX and XXXX money not being released to me from my bank. 

They now put a no trespass order on me. 
I didn't deserve this. Is there any way to remove this? 

Now with today 's deposit XX/XX/22 from XXXX XXXX XXXX XXXX XXXX 

For the last two months now at the bank listed below. 
Citizens Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Of {$860.00} plus XXXX {$53.00} Times XXXX. This month & last months. 
{$1800.00} I live off this money, I need it to survive. 
I am homeless in a motel called XXXX in XXXX XXXX XXXX.XXXX VT  XXXX. 
Where the windows just pop in and out and it is not a safe place. 
I need this money. 

( I did fax Social Security about two in a half weeks ago, plus yesterday, I don't know why its not updated! ) ( tears ) Please send my payment to ; XXXX XXXX XXXX XXXX XXXX XXXX VT, XXXX please, and thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this company is still reporting this fraudulent account on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights
Product: Credit card or prepaid card

LVNC Funding LLC is reporting a charged-off account for XXXX XXXX / XXXX XXXX as a " new '' account opened in XX/XX/2023, on my credit reports. I challenged the information on my credit reports, but LVNV asserts the information is correct, which it is not. 

I believe the original account is " timed out '' and should not be on my credit report at all.
Product: Debt collection

XXXX toll in Colorado, is trying to charge two different amounts for a debt, They send a bill to me for XXXX, and a separate bill to my brother for XXXX, for tolls, for the same car, when he calls they say he owes the XXXX, when I call they say I owe XXXX, same car, same plate number, mine you we were both on the registration, I have proof of the separate bills upon request,,
Product: Payday loan, title loan, or personal loan

CIT Bank is money hungry! I was charged an insurance fee when I already had insurance on our machine. I submitted proof of insurance and yet they still have not refunded me as promised. 

I am DEMANDING A FULL REFUND as this should have not gotten to the point of me needing to file a complaint.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Citibank Credit Card offered a loan transfer for high interest credit cards. 

I accepted it. I no longer use the card except to repay the loan transfer. 

Citibank charges me more than 50 % interest on payments. For example : the bill this month was {$170.00}. {$100.00} was for interest. {$68.00} went towards payment of the debt. The principal is NOT decreasing. 

I called to ask for lower interest. But received nothing. 

Citibank is charging me a usury rate of interest. I may refuse to pay them anymore until they lower the interest.
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, CT XXXX  ( XXXX ) XXXX After my bankruptcy my credit score was building nicely and was in the upper 600 's. I received a letter from XXXX XXXX XXXX stating that they work with individuals who have filed bankruptcy to help them with a loan to build their credit.

I agreed to a credit check and was not aware that there would be 7 and 8 hard inquiries on my credit report. I gave them permission to run my report but not to multiple financial institutions.

I waited a year to see if the issue would resolve itself but it has not. the institutions are listed below.

I am reaching out to you in hopes to remove all hard inquiries except for the one I gave permission for which would be XXXX XXXX.

Thank you Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Misc.

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX only allowed me to report three companies so I reported XXXX, XXXX  and XXXX XXXX. Please let me know how to report the others. Thanks you
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Product: Mortgage

On XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at approximately XXXX XXXX, on information and belief, I believe that XXXX XXXX XXXX and Old National Bank discriminated against me solely based on my race, color, sex, marital status, age, and other forbidden factors. I presented all the required documents, including both of my incomes. 
XXXX XXXX and Old National Bank refused to consider all of my income such as my XXXX XXXX employment. My credit score was extremely high. My new construction loan was complete. XXXX XXXX and Old National Bank held onto my loan application for 47 days and he also imposed different terms or conditions on the new construction mortgage loan than other Old National Bank customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX I sent a letter to TRANSUNION to correct an account that they are reporting inaccurately, and it is affecting my ability to purchase a home. They have done nothing with the investigation. This account is closed and paid in full and they are reporting a payment status as " 120 days past due " which is completely inaccurate, considering they don't even have a last payment date, nor do they have a complete two year history This is an FCRA violation. and needs to be corrected immediately Ive included the letter I sent them as well as a copy of my credit report highlighting their inaccurate reporting,