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

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights. 

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. 

XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : XXXX XXXX Account Number : XXXX, has violated 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 information is inaccurate. 

The student loans are inaccurate on my account from XXXX. The documents that will be attached and highlighted from XXXX, Equifax, and XXXX XXXX shows that I made payments on one account for a certain time, and on the other account it shows that I have not made payments. This information is inaccurate and XXXX, Equifax, and XXXX XXXX has violated my rights on numerous occasions. I have not made any payments due to the payments not starting until XXXX XXXX 10 years ). 

The President of The United States, XXXX XXXX, also announced student-loan relief for borrowers.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

My purse was stolen and I had this beauty a couple of transactions because they was on authorized transaction this morning. I call because I had another unauthorized transaction. Someone decided to get a hotel in my name for {$430.00} in XXXX Texas which I have not been And I called my bank and let my bank know and I guess because I disputed before some things they decided to flag my account and they decided to close my account they did not give me an explanation why I asked them if they continue to cancel my card would affect me. They told me they not sure but every time I called with an issue they canceled my card even when I told them that it shouldnt be canceled but they owe me {$430.00}. My card has been used to purchase a hotel in XXXX that I have never went to. I have ever been to XXXX and for that being said they called me and told me that my card has been my account. Im sorry has been closed in flags and I dont feel like thats right I do feel like they should have just gave me back my {$430.00} of my hard-working money that someone stole from me for some reason someone keep getting into my accounts. I told him about that I explained that to them they just decide to close my account when the next thing happen instead of them trying to resolve the issue.
Product: Credit card

My son, XXXX XXXX, added a joint Chase credit card to his XXXX account. I did not recognize the XXXX transactions and reported them as fraudulent to Chase. On XX/XX/XXXX, XXXX suspended my son 's account. That same day, we notified Chase and XXXX that the transactions were valid. On XX/XX/XXXX, Chase returned the funds to XXXX for XXXX transactions. Chase returned funds for XXXX additional transaction on XX/XX/XXXX, and the other XXXX on XX/XX/XXXX. On XX/XX/XXXX, Chase sent a letter showing that they had completed their review of unauthorized transactions. 
XXXX has yet to return the funds to the original recipients. On XX/XX/XXXX, XXXX responded by email that they were waiting for a response from Chase and asked us to contact Chase directly regarding additional details and/or concerns. We have contacted both Chase and XXXX numerous times with no success.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year>XXXX  My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Credit card or prepaid card

On XX/XX/2021, a {$75.00} booking fee, totally more than half of my XXXX night 's room reservation, was billed to my AMEX card without my knowledge or agreement. When I found it, I requested that the rental agent remove it, but she refused. She did not deny that she had billed my card without informing me or getting my authorization. She replied simply that all rental agents charge fees. I disputed this charge with American Express, but they sided with the merchant and denied my dispute, without explanation. I have requested an explanation from AMEX but they have not replied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information from XXXX XXXX XXXX to my credit file. I have previously dispute on XX/XX/2020 for this account. I have never done business with them. I received a cease and desist letter from them via mail for filing a complaint on CFPB. This company fail to verify in any way that this account belongs to me and it is really tarnishing my credit file with them constantly reporting inaccuracies to my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for these creditors to pull my credit. XXXX XXXX XXXX  XXXX  ( XX/XX/2021 ) PNC Bank ( XX/XX/2021 ).
Product: Credit reporting or other personal consumer reports

This company is providing false information on my credit report regarding a debt not owed! I never received any correspondence by law to dispute prior to reporting this on my credit. Company appeared randomly. By law I have the right to dispute. Provide original proof of this debt.
Product: Debt collection

I am am a victom of Identity theft. I have submitted a police report, an FTC affidavit, supporting identification docs, and letters disputing these fraudulent accts and collections and submitted to the credit bureaus. I sent these documents out XX/XX/XXXX. They have by law, 30 days, 45 max to reply me with evidence that these are mine with proof from the disputed lender or they must remove the fraudulent items. It is now XX/XX/XXXX, I called today to follow up. I spoke with 2 supervisors. They informed me the disputed acct was still reporting on Equifax due to that the lender told them it was mine. I told themXXXX and XXXX have already removed it. The replied that the lendor said it was mine. I asked, '' Did the lender provide you proof it was mine? Have you done your legal duty of supplying me proof it was mine? '' the supervisor said, " No they have not provided proof. I am not able to remove it at this time. I informed her that the law requires you to remove it after 30 days if the lender can not provide proof and if they do, you are to provide proof to me. Neither of these has been done so you must remove it. '' She said she could not at this time. This is a direct violation of the law.
Product: Checking or savings account

On the night of XX/XX/2024 I received an alert that a bill payment was sent for {$4900.00} from our small business account, XXXX XXXX XXXX XXXX. I immediately looked up the XXXX number to call and report the fraud. By the time I got a person on the line she said there were 4 transactions totaling {$19000.00}. She calmed me by saying don't worry this is clearly fraud, the bank will take care of you. These payments were made within minutes apart. A fraud investigation was filed. The fraud was linked to an XXXX card. The thief was actually in our account, made an XXXX payee in our bill pay to steal the money. I was told to delete the payee by the bank employee, so I did. I now question if that was a good idea. I received an email on XX/XX/XXXX stating no bank errors and saying we are responsible. On XX/XX/XXXX I went to the bank and ask for the bank to reopen this case. On XX/XX/XXXX I received a call offering {$2000.00} and a denial of claim. Since then my partner went to the bank and they informed him that they were blaming the fraud on my email, which I use with our company account. During the time of the fraud my phone was overloaded with all kind of strange emails, I believe to distract me from seeing the alerts from the bank. I have once again ask the bank to reconsider their decision alone with sending me there investigation report. I have now filed a police report and searching for an attorney.
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 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.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

I applied for Loan Forgiveness through XXXX. It seemed to be the only website/provider who is able to process Federal Loan Forgiveness for Public Service providers. It was set up through StudentLoans.gov, so I thought it was a legitimate provider. 

I began to process my application sometime in XX/XX/XXXX, to have it start in XX/XX/XXXX. I just finished it. Everything took months with them. In the mean time, I kept on making ( what now I found out ) as endless payments towards my loans. When I had my loans with XXXX ( good servicer ) I was making {$600.00} for the last 3-5 years. I brough the balance down, despite having XXXX kids to support. I now owe {$50000.00}, graduated XXXX in XX/XX/XXXX, and have been making payments for the last 9 years. I worked for XX/XX/XXXX all my life. I am looking to buy a house, so really hoped this process would clear up some cash by the end of XX/XX/XXXX. 

On XX/XX/XXXX, I was finally told that my payments of 9 years are not valid as I did not have loans with XXXX  since I began to make payments. I needed to sign up for some special payment plan to be eligible for loan forgiveness in XX/XX/XXXX. I was never told about this by anyone. And believe me I do paperwork for a living, so I looked all over for this info. This seems to be yet another trap by the big corporations to keep me paying endlessly for loans. 

Just a final note, I made about {$80000.00} last year, married, with XXXX kids. When I did their Income Contingent payment plan I was told I needed to pay over {$900.00} a month ( myself ). When I called XX/XX/XXXX, to see if it can be changed, I was told I could do another, meaningless plan, and pay {$420.00} a month, less than what I paid for the less 9 years. 

I hope you can take my extremely negative experience and find a way to make consumers be able to stop paying endless college loans and invest into the economy. This program seems to be another scam to keep me paying into endless existence. I plan to change my loans to my previous provider and keep my {$600.00} payment as I did before. I will end up paying off my loan within 10 years without this company making money off of me. What a sham!!!
Product: Checking or savings account

I signed up for a new checking account with a promotional offer. I have completed the requirements of the offer as described in the Terms and Conditions I was provided, which I have attached. They have not given me my XXXX promotional airline miles. 

Per the terms and conditions : the requirements were : {$1000.00} in deposits and {$1000.00} in purchases with debit card within 90 days of account opening. The T & C state that the deposit would be made on the XXXX day following satisfaction of requirements. 

XX/XX/23 - Account opened XX/XX/23 - All requirements satisfied I have contacted Citibank on three separate occasions : XX/XX/23, XX/XX/23, XX/XX/23 with no resolution. Please see conversations attached. The representatives all have different things to say, even though I've provided them with the T & C that I agreed to. I verified that I've satisfied the requirements. They've raised investigations with no resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of identity theft. I have tried for several years to clear my credit up. I submitted FTC identity theft reports and police report. Still XXXX, XXXX and equifax have not properlt investigated the matters. they just call the companies and tell me well the company says the debt is accurate when in fact it is not., this has been going on since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have reviewed my credit report and see that your company ( CONSUMER ADJUSTMENT COMPANY ) has listed an account on my credit file with A balance. XXXX XXXX XX/XX/XXXX XX/XX/XXXX OF {$1000.00} ) I have attached A screenshot of the reporting reflecting on my consumer report. I have NEVER been at such medical facility or received care from such place. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address or prior invoices. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provide me with physical papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my state, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX COLLECTIONS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYERS : TXXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION EMPLOYERS XXXX XXXX XXXX XXXX  ADDRESSES XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contact Experian and I filed a dispute with them. I recently received an updated report dated XX/XX/2018. Several of the accounts that I had requested be investigated were investigated and have been removed. However several accounts still remain and I am now filing this complaint because of the information that remains. I have repeatedly disputed this fraudulent account information with no resolve.