23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Dear Sir/Madam : I continuously receive threatening letters of garnishment from ACSI - XXXX although I provided them with sufficient documentation that my average monthly debt exceeds my disposable income. Since I did not provide receipts for Food, Clothing, and Misc., they credited me {$120.00} per month. I am a family of XXXX. It is unreasonable to think a family of XXXX could survive off of {$120.00} per month for food, clothing, and misc. items. Today, I provided them with receipts for the month of XXXX and asked that they reconsider their decision. I also made an offer for a payment plan of {$50.00} per month. Having XXXX dependents, It would be extreme financial hardship to have 15 % of my pay garnished. 
Thank you for taking the time to look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account closed who still showing a balance of {$2300.00}. I would like this account to show  XXXX  balance immediately on my credit report.
Product: Credit reporting

On XX/XX/2016 I was looking at my Transunion credit report and noticed that they had reinserted previously deleted addresses and previous employers that were previously deleted. Transunion illegally re inserted the addresses and employment with out giving me written notification 5 days prior to re insertion. They have broken the law. 
The addresses they illegally reinserted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The employer they illegally reinserted was : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Search Q 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 payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally writing this letter of complaint to you in regard to Equifax Credit Bureau. 

Equifax has violated FCRA rules and consistently failed to delete several inaccurate, unverifiable, adverse and erroneous accounts that they posted on my credit report. These inaccurate accounts are as follows : XXXX ( account # XXXX  ) in the amount of {$570.00} and XXXX ( account # XXXX  ) in the amount of {$570.00} and XXXX ( account # XXXX  ) in the amount of {$190.00}. 

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also will enclose the lettered copies of my communication to XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and & Section 611 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a consumer credit report. Ill enclose the copies of several letters ( with certified mailed receipts ) that I sent to Equifax in request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the adverse the accounts they continue to post on my credit report. I have suffered extensive grief and emotional distress due to Equifaxs failure to accurately verify these accounts, resulting in my inability to obtain credit. I have also advised Equifax that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

Equifax was also furnished proof that the XXXX ( account # xxxxxxxx ) in the amount of {$190.00} was in fact disputed and DELETED from my credit report by XXXX  and XXXX  SINCE XX/XX/2018 ; ( I will re submit the proof of deletions via attachment ). However, Equifax continues to carelessly and negligently continue to post that inaccurate account ( {$190.00} ) to my credit report!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

In the absence of such documentation ( an original Consumer Contract ) bearing my signature, I formally request Equifax immediately delete all the aforementioned derogatory accounts from my credit report associated under my Social Security number. I will litigate if this request is not honored. 

Note : This CFPB complaint is solely directed to Equifax Credit Bureau. 

Thank you.
Product: Student loan

Loan are being forgiven do to mishaps from school or being a public service worker which I Qualify.
Product: Credit card or prepaid card

I have been having issues with Synchrony Bank credit card ( specifically the Gap credit card ). There have been issues in the past that when the statement ends with a negative balance it is shown as {$0.00} instead of the negative balance when it carries over to the next month/billing cycle. As a result, I am not given my credits and I am being over billed by the credit card company. 

This is the second time that I have caught this issue and I am afraid that it has happened many times prior. I would like to have a thorough audit done to provide proof that I have been given all of my credits and not over billed. 

I have enclosed my statements from XXXX, XXXX, XXXX 2019. The ending statement on XXXX 2019 was {$0.00} but in fact, it should have been a negative balance of - {$710.00}. This negative balance was not pulled over to XXXX cycle, instead they pulled over {$0.00} and therefore I was not credited the {$710.00}. Interestingly, they did do it correctly in XXXX and pulled over a {$290.00} credit. Very weird to say the least. 

This exact scenario happened about one year ago with this credit card company and I called the credit card company and it took me multiple days of phone calls for someone to finally look at the balances and do the math to see that I was correct. Then, when they corrected the issue they just moved numbers around but never actually gave me the refund, however I did not print the statements prior to them making the changes and I had no proof. I feel that this has happened a number of times over the years and is happening to customers other than myself. 

I would like the credit that I am owed and a thorough investigation of my account to see if I am entitled to additional credits.
Product: Credit reporting or other personal consumer reports

I sent several letters out to experian XXXX  and XXXX ask them to investigate the accounts on my credit report I have yet to receive any results According to 15 us code 1681 : a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been devel- oped for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating con- sumer credit and other information on con- sumers.

( 4 ) There is a need to insure that consumer re- porting agencies exercise their grave respon- sibilities with fairness, impartiality, and a re- spect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reason- able procedures for meeting the needs of com- merce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accord- ance with the requirements of this subchapte
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX I am writing to bring to your attention a serious matter regarding the debt collection company, XXXX XXXX XXXX  and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your assistance in addressing this violation and ensuring the prompt removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX  has reported a negative account that is not mine. This inclusion of an erroneous account on my credit report is not only misleading but also has severe implications for my financial well-being. Despite my repeated attempts to rectify this issue directly with XXXX XXXX XXXX they have disregarded my requests and have failed to take any appropriate action. 

I firmly believe that XXXX XXXX XXXXXXXX XXXX actions constitute a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into XXXX XXXX XXXX XXXX violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is essential to hold XXXX XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including my credit report highlighting the disputed account, as well as any supporting evidence that clearly demonstrates the lack of association between me and the reported account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to address this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to express my deep concern and frustration regarding the ongoing issues with late account openings, despite our repeated attempts to rectify these matters. The persistent occurrence of late accounts opening not only disrupts our operational efficiency but also reflects poorly on our organization 's commitment to providing timely and reliable service to our customers. I urge you to conduct a thorough review of our account opening procedures and systems to identify any underlying issues or deficiencies that XXXX be contributing to the persistent delays. It is essential that we implement robust controls and enhanced monitoring mechanisms to ensure that accounts are opened in a timely manner and in accordance with regulatory requirements. Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by late accounts opening. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My account at the Coinbase.com is compromised as someone stole my ID and password to access the account and sold most of my coins in the account. I believe the security system at the Coinbase.com is not sufficient to prevent the hacking of the account. as a result of hacking I am going to lose in excess of {$60000.00}. My account was accessed by the hacker on XXXX XXXX, 2021 and all transaction occurred on the same day without my knowledge or consent. I have no idea how the hacker got hold of the account information and password and was able to go through the 2 step verification system using my cell phone number.
Product: Debt collection

United Security Financial Corp continues to call us XXXX and XXXX times a day re guarding our mortgage. They also keep calling up at XXXX when we 've told them XXXX times we live in California. 
We 've asked them to stop called so frequently as we are getting together the paperwork requested.
Product: Debt collection

Medical Data Systems INC ( XXXX XXXX XXXX ) has charged me for a collection which I do not own and sold it to another debt collection agency and now have two of the same collection but different amounts and they have threatened judgment and that my credit would be damaged which is currently is being negatively affected as they keep adding random collection attempts on my account to permanently hurt my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card or XXXX XXXX XXXX  is reporting an item on my credit report that is not mine. I have attached the following notices sent to XXXX, Equifax and XXXX with regard to this item. I have also sent notice to XXXX XXXX XXXX XXXX and requested that the item they are reporting in my credit file is not mine. I am attaching the notices sent under Section 609 FCRA which REQUIRES XXXX XXXX XXXX XXXX  or XXXX XXXXXXXX XXXX to provide specific documents under Section 609 FCRA and as of this complaint date XXXX XXXX XXXX XXXX or XXXX XXXX XXXX has not complied with Section 609 FCRA. Additionally I submitted a fraudulent account notice to XXXX XXXX XXXX XXXX or XXXX XXXXXXXX XXXX however they continue to erroneously report this item on my credit report. My complaint against XXXX, Equifax and XXXX is that although being noticed under Section 609 FCRA, Collectively XXXX Equifax and XXXX are not requiring as part of their investigation XXXX XXXXXXXX XXXX XXXX or XXXX XXXXXXXX XXXX to comply with Section 609 FCRA. All of the above named parties are in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. I am asking for the CFPB to investigate my complaints and take the appropriate action under Section 609 FCRA. I am attaching a notice by the FTC regarding a lawsuit filed against XXXX for the exact same type of violations under Section 609 FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to transunion on XX/XX/2020 regarding some inaccurate information that I requested be removed. They never replied and it has been over 60 days. They are in violation of the Fair Credit Reporting Act and are negligent towards the law. The accounts are XXXX XXXX XXXX and a XXXX Account.
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 S section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How many dispute letters and CFPB complaints do I have to send to the Credit reporting Agencies for them to finally pay heed to my requests and disputes? For the past 6 months, I have been disputing for the correction of my Credit file by requesting the immediate removal of the disputed accounts and information from my Credit File. I have read that the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft completely from my Credit File. However, this is not the case for my personal disputes. The Credit reporting Agencies have not fully removed all the disputed accounts and information from my Credit File and yet they have claimed that the disputed items are verified and accurate. I have been requesting that if the Credit Bureaus claim that the disputed accounts and information are verified, they should have sent me copies of proof of verification or any documents bearing my signature. This action by the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit Reporting act. I am now submitting this CFPB complaint to inform the Credit Bureaus that I am planning to initiate legal actions. Once again, I am needing the Credit Bureaus to remove the following items completely from my Credit File : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$100.00}
Product: Credit reporting or other personal consumer reports

Synchrony Networks {$5300.00} This account has been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.Duty : a moral or legal obligation ; a responsibility to report Accurate : correct in all details ; exact.Prohibition : a law or regulation forbidding something. As Defined by The IRS. Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 says a furnisher of information to a consumer reporting agency is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS XXXX publication. SEND ME MY FORM XXXX that you should have sent when you Filled the account as a canceled debt.
Product: Payday loan, title loan, personal loan, or advance loan

I have already paid off the loan with One Main Financial but I do remember them telling me that if I did not sign up for the optional protection if I had lost my job that I could possibly not be approved for the loan. So I signed up for it even though I knew I didnt need it and didnt need the extra fees associated with it.
Product: Checking or savings account

Hi my name is XXXX XXXX I have a chase account XXXX I made a deposit and one of the names didnt sign on it. Now they are hiding my money for 2 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX put a hard inquiry thru on my equifax report that I did not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

the folowing accounts XXXX # XXXX {$1700.00}, XXXX  XXXX # XXXX {$3600.00}, XXXX  # XXXX {$700.00}, XXXX # XXXX {$1100.00}, XXXX # XXXX {$600.00}, XXXX  # XXXX {$33000.00}, XXXX # XXXX {$1000.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$1200.00} are all unauthorized items that were opened in my name fraudulently i have filed an ftc report and police report and sent to credit agency with no prpoer response i would like for these items to be removed immediately before further litigation action to be taking thank you