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

Equifax XXXX XXXX All credit error all should be deleted. 

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 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 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX  Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$750.00} Needs Attention XXXX  XXXX XXXX  Reported : XXXX XXXX, XXXX + {$15000.00} Needs Attention I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. 

" I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. '' Please verify the debt as required by the Fair Debt Collection Practices Act. 
XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, XXXX XXXX presume that no proof of the alleged debt,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXXXXXX XXXXBalance : {$3600.00} XXXX XXXXBalance : {$0.00}
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, XXXX and XXXX XXXX immediately! 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made over 20 attempts to resolve this with XXXX XXXX, the CEO of United Funding Logistics, which is a credit repair company. This is the biggest scam of a company there is, there are numerous negative remarks already posted about this company that I did not see, they never return phone calls. They take your money and then you do not hear from them again, they do not follow through with any thing they say they are going to do. He kept claiming he was going to refund the money but never did.
Product: Student loan

I consolidated my federal student loans in XXXX. At that time, I was offered a .25 % loan rate reduction for making payments by automatic withdrawal from checking or savings. That term of my loan agreement was never honored by XXXX. As a result, I have been overcharged thousands of dollars of interest over the last XXXX years. I will also continue to pay thousands more in interest than I was promised during the remainder of my loan term. My current XXXX is 3.0 % and should be XXXX. My loans have been bought and sold multiple times and I have never been able to get any of the loan holders/servicers to listen to me about this issue. My current loan holder/servicer is AES-American Education Services XXXX
Product: Debt collection

After careful review of my consumer reports, I noticed an account on my report from CBE Group account number : XXXX I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between CBE Group and I would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 
With that being said, had CBE Group sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that CBE Group provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt. 
Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports
Product: Credit card or prepaid card

I recieved the email below from wells fargo on XX/XX/2019. I followed up with their teams for the last 3 days asking what the at risk event was. They have refused to disclose it. They went as far to tell me to call visa. Visa informed me that Wells Fargo has the information. I attempted to speak to a manager today. After 2 hours of wating they hung up. If there was a potential privacy breach I have a right to know the nature and details of that breach We have shipped your new Wells Fargo Debit Card ending in XXXX-XXXX-XXXX- We sent you a replacement card as a precautionary measure because your current Wells Fargo Debit Card may be at risk for unauthorized transactions.
Product: Payday loan, title loan, personal loan, or advance loan

I do not remember taken out this loan in 2016 They are letting a third party collector call members of my family i ask them to stop he laughed at me and called me names and hung up
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information being reported on my credit file regarding the account with XXXX XXXX, account number XXXX XXXXXXXX. This is my third attempt to have these inaccuracies corrected, and I am requesting immediate removal of this account due to the repeated reporting errors and failure to accurately reflect the accounts status. 

Specific Issues with the Account : Balance and Charge-Off Discrepancy : The account shows a {$0.00} balance but is also reporting a charge-off amount of {$530.00}. If the account was settled, this should be clearly reflected, and the charge-off balance should not remain. The inconsistent information is misleading and does not accurately represent the status of the account. 

Incorrect Charge-Off Reporting After Closure : The account was closed in XX/XX/XXXX, but it continues to report charge-offs through XXXX and beyond, which is inaccurate. Since the account was closed, the charge-off status should not be reported for additional years without proper clarification or supporting information. 

Inconsistent Payment History : The account is marked as PAID, yet it continues to report charge-offs. This creates a contradiction in the reporting, as a paid account should not continue to reflect negative charge-off data. 

Misleading Delinquency Reporting : The date of first delinquency is listed as XX/XX/XXXXXXXX XXXX XXXX   yet delinquencies are still being reported through XXXXXXXX violating the standard timeline under the Fair Credit Reporting Act ( FCRA ). Negative information like charge-offs should not be reported beyond seven years from the first delinquency date.

Settlement Not Reflected Properly : The account is labeled as paid for less than the full balance, but this is not properly reflected in the charge-off amount or overall reporting. If the account was settled, it should have been fully updated to reflect this accurately. 

Request for Removal Given the repeated inaccuracies and unresolved errors in the reporting of this account, I am demanding the immediate removal of this account from my credit report. I have requested investigations multiple times, and each time, the reporting has failed to reflect the actual status of this account. These continued errors are negatively impacting my credit and violate my rights under the FCRA. 

Please take action to remove this account from my credit report promptly. If this issue is not resolved within the legally required timeframe, I will not hesitate to escalate the matter further. 

Thank you for your prompt attention to this matter.
Product: Credit reporting

After having been denied credit based on a report from TransUnion, I requested a copy of my credit report. I found that TransUnion credit reports include detailed information about scheduled payments and amounts paid as well as account balances. I also found that the information about the scheduled payment and amounts paid for my accounts were frequently incorrect. Those reading my credit report would learn, incorrectly, that I regularly made no payments or very low payments when higher amounts were due. This reflects negatively on my creditworthiness ( and the creditworthiness of other affected customers ). I requested that this incorrect information in my credit report be corrected. For most accounts, after a couple requests, TransUnion simply deleted the detailed monthly information and retained only the more common " OK '' rating showing that the accounts were in good standing for the relevant months. This was an acceptable resolution to the incorrect information on those accounts. 

However, XXXX particular account ( a XXXX card on which I was an authorized user ) was completely removed instead. This was the oldest account on the file and had a high credit limit with very low utilization. The unrequested change significantly reduced computed available credit, raised overall utilization, shortened my credit history, and lowered my credit score. I do n't see why consumers should be penalized this significantly for requesting correction of payment record information, particularly when TransUnion had another good option available to them ( i.e. just removing the detail rows, which were incorrect, as they did on other accounts, including another XXXX card ). 

TransUnion explained to me that this is just how the rules work, and that they do not own or control the data or the rules. They claim it is out of their control that the rules about whether or not authorized user accounts would be included on my credit report changed because I had requested correct information. Yet, there was NO WAY for me to know this would happen when I requested that my credit report information be corrected ; I would have thought they could have handled that account similarly to others. They explained that since I had made that original request, there was no way to reverse their removal of that account from my credit report. 

This should not be the rule. If it is, it should be made clear to consumers at the time they are choosing to request correct information on their report ( e.g. " Because you 're an authorized user on this account, raising ANY questions related to it will cause the ENTIRE account to be COMPLETELY AND IRREVERSIBLY REMOVED from your credit report. Are you sure you want to continue? " ). I spoke with a TransUnion representative on the phone but he indicated that no such transparency would be happening.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681b ( a ) ( 2 ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX. XXXX ACCT XXXX XXXX, Has violated my rights XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.C.S 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Product: Credit card or prepaid card

CFPB has already worked on this dispute. Please see complaint ID XXXX. Paypal had credited me for the charge but they have charged it this month again. I had cancelled the membership. They now have it under review again but they are taking too long. This purchase was about how I wasn't able to start the course as they force you to have a phone call first. I tried without the call because they were too busy to schedule one right away but it didn't work as they blocked access until the call was made. I finally got a call but found out that in order for this course to actually work they upsell you their services which cost an additional {$3000.00} to {$12000.00} which I am in no way willing to do. I please ask for a refund. I have already cancelled the subscription also. Thanks.
Product: Debt collection

Constant harassing robo calls sometimes 8 calls within 1 hour- See attached XXXX telephone log. The debt was paid with secondary insurance by XXXX XXXX - XXXX. ALso see attached letter to XXXX XXXX, VP at XXXX XXXX XXXX XXXX - dated XX/XX/2015
Product: Credit reporting or other personal consumer reports

I dont have the best quality camera I tried uploading the most decent photos of my identification. Below is the file with dispute letter showing the list of inquires that I am not aware of Im demanding removal! Ive never gave any creditor the permission to pull my credit nor have I applied to any creditor.
Product: Credit reporting or other personal consumer reports

Aggravated Identity Theft Pursuant to 18 U.S.C 1028A. In general : Whoever, during and in any felony Violation Enumerated in Subsection ( c ), Knowingly Transfers, or Used, without lawful authority, a means of identification of another per shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. i am a victim of identity theft please block and remove these accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

i have asked XXXX and Transunion to remove the following unauthorized inquiries as they are not correct and I have not given permission for such inquiries. 
XXXX bank 3 times XXXX XXXX 1 time XXXX XXXXl 1 XXXX XXXX XXXX 2 times remove all of these unauthorized inquiries immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently Equifax was responsible for failing to secure highly sensitive information for millions of Americans, myself included. Not only did they fail to secure the information, they did not tell anyone for an extended period of time, and high level executives illegally sold off stock in advance of the news going public, which is criminal. Additionally, their disaster consultation website is a poorly designed and poorly secured tool that returns random information and tricked people into signing up for a free credit monitoring service at the cost of not being able to file a class-action lawsuit anymore. 

These repeated behaviors are both negligent and malicious in intent, and honestly they deserve severe repercussions for such a severe compromise in many Amercians ' peace of mind and financial well-being.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, XXXXXXXX XXXX, discrimination, and public corruption. I got scammed by In XXXX XXXX XXXX XXXX that charges my Capital Credit card.

Capital One has refused returning my money back In XXXX XXXX XXXX billed on XX/XX/2023 for {$1900.00} Case Number XXXX
Product: Debt collection

I have had XXXX separate issues regarding late payments and dealings with debt collectors. There is clearly an issue of : ( a ) the medical industry lacking an earnest attempt to contact the debtor and ( b ) the debt collection agencies, at minimum, falsifying information in order to garner higher payments. On XXXX XXXX 2017 Profit Services Group ( " PSG '' ), their number being XXXX XXXX XXXX XXXX, contacted me telling me I owe XXXX. When attempting to get clarification on what the bill was for, and possible alternative routes in making payments, I was met with misinformation and hostility. PSG failed to tell me I have the ability to pay the medical services directly, not through PSG. I was told the office in which sent my bill to collections would not accept my payment and they would reroute me back to collections - this is false and on purpose. Reason for it being false, and what I feel to be at minimum unethical, is multifaceted. Collection agencies first make these calls and in their voicemails fail to disclose what the reason for the phone call is. In modern times with the amount of scams that go on expecting a consumer to call an unknown number back just because they said so is misleading and unreasonable. Due to having this experience before, I did call back thinking it may be another debt collection. After making this call, being proactive, I was told that I have only XXXX methods in which to pay. First, over the phone, which is an additional XXXX dollar charge, or I could send by mail. However, due to PGS 's lack of diligence, the mail option is actually not a real option. By the time I would receive the bill and make a payment it would be too late, and my credit score would be lowered. I decided to do my own research and called around the hospitals. After an hour, I was finally able to reach the group in which I owed the payment directly, Georgia XXXX XXXX ( " XXXX '' ). When I spoke to their billing department, I was told that I could pay them directly, contradicting what PSG told me. I believe the reason they misinform the consumers as to only being able to pay PSG is because they add a charge without telling the consumer. My initial bill owed to the doctor was XXXX - PSG neglected to inform me on this initial surcharge. If I would have followed the debt collectors advice, I would have ended up paying almost a third more than I needed to ( XXXX ). This, in my humble option, in purposely misleading consumers. The hostility towards me, the consumer, in attempting to find the answers to these questions was disappointing at best. After paying the bill directly with XXXX I called XXXX back and told them of the situation. After expressing my discomfort with how they neglected to inform me of my options, stating that they indeed lied to me, I was met with hostility and hung up on. It is hard to accept that this is an acceptable business practice. My bill may be of minimal amount, but I can not imagine the fear and hostility given towards those who do not have the resources I have.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am a law abiding citizen who is simply looking to get to the next phase in my life to better me and my family 's financial situation. But I am unable to due to the inaccuracies on my credit report.

FCRA law 15 U.S.C 1681 protects me from any damages and any inaccurate information on my credit report. I would like to have this situation resolved immediately.
Product: Credit reporting

I sent the attached letter to Equifax on XXXX XXXX. Despite numerous follow-up letters, they still have not responded to me in any way.
Product: Credit card or prepaid card

I was approved for an Avant card in XXXX of this year. The company has since locked my card without cause and I am unable to use it. They are still reporting the account each month on my credit. When I contacted the company for more information I am told to email utilities bills and other personal information. After doing so I am told to send more emails to different departments and no resolution has happened. This has been only for 180 days.
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX and XXXX XXXX XXXX- 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate