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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

I re-enrolled into university to earn a XXXX XXXX degree and started my XXXX  XX/XX/2019. I waited to make a payment for XXXX because my school was working on reporting my enrollment and thus my deferment paper work had not been sent. After my enrollment was confirmed and my deferment eligibility was confirmed I received notification via email that my bill was past due. I contacted them on the phone and let them know that yes my deferment paperwork was received and would post on XX/XX/XXXX that was the end of the conversation. 

On XX/XX/XXXX I got an email saying that my deferment was denied. No other details so I called them to inquire. I called up and automatically they were telling me my account was past due and was I calling to make a payment. I said no I had questions about my deferment. They then transfer me. After being on hold I get a second person that answers and says that my account is past due and would I like to make a payment. Again I had to say no, I'm calling about why my deferment was denied. They explain that all my loans already are past the allowed amount of time for deferment. No one any point in time informed me by mail, email, or telephone call to tell me my loans no longer qualified for deferment due to enrollment. I ended the conversation. 

I had to wait for my husband to get paid to make the payment. In the 10 days since having that conversation with this company I have received on average 10 calls a day attempting to collect on the bill. Every single hour, for 10 hours, they call me. In the past I called and asked them to stop calling me and they said their was nothing they can do to push back the calls. This is harassment. Calling me every 45 minutes is uncalled for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX XXXX XXXX XX/XX/year> Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Notice of Intent to File Lawsuit for FCRA Violations Failure to Remove Fraudulent Accounts Dear Equifax Dispute Department XXXX XXXX am writing to formally demand that Equifax immediately cease reporting fraudulent accounts on my credit file, specifically the following : * XXXXXXXX XXXX XXXX XXXX  Account ( Last 4 Digits : [ XXXX ] ) * XXXX XXXXXXXX Credit Card Account ( Last 4 Digits : [ XXXX ] ) Despite my previous disputes and submission of an FTC Identity Theft Report and police report, Equifax has continued to report these fraudulent accounts, violating my rights under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ].

Legal Basis for My Claim : Under the FCRA, once a consumer provides proof of identity theft through an FTC Identity Theft Report and a police report, the credit reporting agency must block the fraudulent accounts from appearing on the credit report within four ( 4 ) business days. The continued reporting of these fraudulent accounts after receiving my documentation is a clear violation of my rights.

Supporting Documentation Previously Submitted : 1. A copy of my government-issued ID ( drivers license or passport ).

2. A copy of my FTC Identity Theft Report filed at XXXX. 
3. A copy of my police report regarding the fraudulent activity.

4. A copy of my credit report highlighting the fraudulent accounts in question.

Immediate Action Demanded : I am providing Equifax one final opportunity to comply with the FCRA before pursuing legal action. Within 15 days, you must : 1. Permanently remove the fraudulent XXXX XXXX and XXXX XXXX accounts from my credit file. 
2. Provide written confirmation stating that these accounts have been deleted and will not reappear in the future.

3. Cease any further reporting of these fraudulent accounts to lenders, insurers, or any other third parties. 
Failure to comply will result in my immediate filing of a lawsuit against Equifax for violations of the FCRA, and I will seek statutory damages, attorney fees, and punitive damages for your willful noncompliance. Additionally, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
I expect a written response confirming compliance within 15 days of receiving this letter. If you fail to take corrective action, I will proceed with legal action without further notice. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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.
Product: Student loan

I am in an Income Driven Repayment and have made XXXX payments of the required XXXX payments for forgiveness. My loans have not been forgiven even though I have been told numerous times I have met all of the requirements. The XXXX website shows as requirements have been met as well.
Product: Vehicle loan or lease

I have been paying my auto loan for approximately 5 years my pay off date is XX/XX/2020. My payments are set for Auto and are paid monthly. Payoff is soon and now my payments for payoff are going up. Is this legal? and how can I stop the payoff going up?
Product: Debt collection

I requested that Discover Card remove my husband from my account, as I am the only responsible party. I am trying to get myself out of debt, and I can only do that by negotiating with all of my creditors across the board. I respectfully request that Discover Card accept a one-time settlement of {$4000.00} of which I will borrow from a relative to resolve my debt in full. I have submitted this request through the CFPB to guarantee that my rights are protected under FDCPA.
Product: Checking or savings account

Hey, this is XXXX im filing a complaint to dispute any problem that I did not do. My belongings got stolen and i been irritated, Im frustrated I been trying too open a bank it doesnt let me do to the problem with my XXXX XXXX about a year or 2 year ago my wallet got stolen and my phone I want to dispute the problem so I can open a bank account I work now and I cant even get direct deposit or apply for a debit card or make a checking account. I want to know if I can dispute my problem and be help, Im so frustrated about this. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Chase freedom visa credit card. I have been using it for more than a year but I have started having issues with this card. I see some of the transactions that do not belong to me nor were they authorized by me. Id really appreciate if you could resolve this issue. I made a complaint to Chase freedom directly and they have cancelled the card. A replacement card has been issued to me, however I still see the charges on my account and hasnt been dismissed. Id like to request u to cancel the following unauthorized charges : 1. On XX/XX/XXXX - {$520.00} XXXX XXXX XXXXXXXX 2. On XX/XX/XXXX - {$370.00} XXXX XXXX 3 . On XX/XX/XXXX - {$21.00} XXXX 4. Theres a charge of {$59.00} in the name of XXXX on XX/XX/XXXX, 2-charges of {$140.00} on XX/XX/XXXX and few charges of {$16.00} on the same day. I really dont understand them. Please help!
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and pr
ocedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

I am writing to express my vehement objection to the blatant violation of my rights and the egregious disregard for consumer protection laws by your company. This is nothing short of fraudulent behavior, and it is imperative that you address this matter promptly. 

The unauthorized sharing of my non-public information is not only a breach of privacy but also a clear infringement upon my rights as outlined in 18 U.S. Code 1028A. I want to make it explicitly clear that I did not provide consent or authorization for the dissemination of my personal information.

Furthermore, your reporting practices are in direct contravention of consumer protection statutes. According to 15 USC 1681 section 602 A, I am entitled to privacy rights that have been callously disregarded in this situation. Additionally, 15 USC 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency is prohibited from furnishing an account without my written instructions. 

The violation continues with 15 U.S.C 1681c ( a ) ( 5 ) Section, which expressly prohibits the inclusion of adverse information in a consumer report that antedates the report by more than seven years. The persistence in reporting such information is not only inaccurate but also constitutes a direct violation of the law.

Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) unequivocally states that a person shall not furnish any information to a consumer reporting agency if there is reasonable cause to believe that the information is inaccurate. It is abundantly clear that your actions are in direct contradiction to this provision. 

I demand an immediate investigation into these egregious violations and an explanation for this unconscionable breach of privacy. Failure to rectify this situation promptly will leave me with no choice but to pursue all legal avenues available to me to ensure justice is served. 

This matter requires your urgent attention, and I expect a comprehensive response within the shortest possible time frame.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 instrucciones
Product: Debt collection

For more than three months, I 've been receiving almost daily phone calls from a debt collection agency. I never answer their calls and the company never leaves a message. I have no outstanding debt. 

The caller-id sometimes shows the company name as NCC Business Services and sometimes as XXXX XXXX XXXX For NCC Business Services XXXX the calls originate from ( XXXX ) XXXX and ( XXXX ) XXXX. For XXXX XXXX XXXX, the calls originate from XXXX XXXX XXXX XXXX. 

My complaint expresses the same situation as the complaint against XXXX XXXX submitted to your agency on XXXX/XXXX/XXXX. In addition to never leaving messages, the company has never contacted me through the mail or in any other way. They just appear to be phishing for information. 

Others who have received calls from this debt collection company report requests for private information such as social security number, claims of grossly inflated amounts owed, threats for non-payment, and many, many cases of mistaken identity. 

Back in XXXX, I received repeated calls from the same company over a period of weeks. Upon finally talking to a company rep, it was clearly established that the real debtor was someone else with my name. The rep said that the calls would stop, and they did for a period of several weeks, but then resumed. It required the intervention of the Maryland XXXX office to get the calls stopped permanently. 

Because of my previous experience and the experience of others, I refuse to have any contact with this company and would like these annoying, harassing calls stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

On XXXX XXXX, I paid Lamont, Hanley and Associates {$86.00} to pay an old collection debt in full. I have payment receipt. They agreed to remove the record from my credit report and did not do so. I filed a complaint XX/XX/XXXX and spoke with a rep who stated they would remove the record in 10 days. I pulled my credit report today and the record still appears as unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been asking XXXX, Transunion and XXXX XXXX to validate the account from XXXX XXXX since XX/XX/XXXX And every time they come back saying the account is verified and accurate. In XX/XX/XXXX they sent me my investigation saying it was verified and accurate once again but I have highlighted the proof that the account is reporting wrong. The original creditor XXXX had written off {$1000.00} but XXXX XXXX has been reporting {$1000.00} and also been reporting false balances. Every time each credit agency says verified the information is still not accurate. This account needs to be removed immediately
Product: Credit reporting

TRANSUNION HAD A GLITCH IN THEIR SYSTEM THAT VIOLATED THE RIGHTS OF THEIR CONSUMERS UNDER SECTION 6.11. AS A RESULT I HAVE BEEN GRAVELY AFFECTED AND MY SCORE IS SUFFERING AS A RESULT. NO NOTICE WAS EVER GIVEN WHICH IS ALSO A VIOLATION AND I AM REQUESTING THAT ALL INQUIRIES BE REMOVED : XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like the CFPB to follow up on this investigation with Experian. I call them once a week to request that they update my address on my credit report. They graciously cooperate and inform me it would take 24 hours to finish, but the results are still inaccurate. When I contact them back, they constantly insist for documentation. They've got my most current bill as well as my driver 's license. It is still wrong, preventing me from accessing my credit report on their and other websites. Because of their negligence, I am unable to receive credit.
Product: Credit card or prepaid card

I have a XXXX Credit Card. I had a non-interest promotion. I was paying more than the Minimum Payment and was not aware that payments would need to call every single payment in and ask them to allocate them to the designated promotion. I speak English and understand it with certain limitations. I prefer to have documentation in XXXX when it comes to terms and conditions. I received an email advising that my Balance and increased due to an expired promotion. When I tried to asked to see if promotion bal. could be allocated to the promotion since payments were being made over the minimum and I was not explained the allocation process. and there is no way to directly allocate payments to promotion online. I was simply told there was nothing they could do because it was expired and I will have to pay the balance. I asked to speak to a manager and the manager told me that terms for allocation process are given to customer when they sign up for the promotion that it was my responsibility to make the payment as agreed, and simply it was my fault for not reading the fine print. My son who works for a credit card company tried to call and advised to them the terms are misleading since on statements it does not advised that when getting closer to the expiration of a promotion notifications are not advised in detail to how to avoid this or explains to a customer the process. I became ill and had to be hospitalized for over 3 months starting back in XXXX of 2019. When I was discharged from the hospital I had called all my credit cards, mortgage, and they were able to removed late fees and int. charges during the period of time I was hospitalized. however this credit card told me that they had already waived 1 late fee in the past 12months and that they were not able to help in anyway they told me that I would be forced to pay the fees and int. and that they would not adj. the minimum payment prior to the time in the hospital. We are now in XXXX and I have a Balance that has increased with fees and int. and an increase to the minimum payment that as a retired senior citizen I am not able to pay.
Product: Checking or savings account

I had XXXX dollars stolen from me through fraud. Someone stole my debit card number, phone number, and name. They spent XXXX on XXXX XXXX 's website. USAA gave me a provisional credit but took this credit back thinking I lied about the fraud. I sent multiple pages of evidence like the fact that I was not in my home state when the purchase and pickup of products occurred ( even though the IP address of the computer that purchased the products was in XXXX ). 

My bank after multiple reviews still believes that I am a fault and is not listening to any of my evidence. The criminal even spelled my email wrong when purchasing and XXXX XXXX and USAA still don't believe me. I desperately need help resolving this and getting my money back. 

Most notable evidence : I was in XXXX XXXX from XXXX XXXX - I have plane tickets and credit card statements of my credit card being spent in XXXX XXXX on and between those dates. 

The fraud money was spent on XX/XX/XXXX - USAA says the IP address was XXXX miles from my home. I was not even in the state at this time. 

Also the products purchased were picked up at multiple best buys not anywhere near my home even in XXXX by someone who even admitted that they were not me. 

They also got my email wrong - my email is XXXX, the email they put is XXXX. 

Please help.