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

I see that XXXX, XXXX, and Experian are reporting XXXXXXXX XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b 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. According to the Fair Credit Reporting Act 15 USC 1681a-4, " 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, Experian, and XXXX are all 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 ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 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, XXXX, and Experian are not maintaining reasonable procedures.
Product: Student loan

I should qualify for the Public Service Loan Forgiveness program but I do not because Navient ( then XXXX ) only gave me the option of consolidating my loan as a FFELP consolidation, which does not qualify for the PSLF program. That was in 2008. Two years later, I contacted XXXX to inquire about re-consolidating my loans and was told that re-consolidation was not possible. Apparently, that was false since I could have consolidated under Direct Consolidation, which would have qualified me for the PSLF program. After reading articles in the XXXX and stories by other borrowers posted on the CFPB website, I now suspect that Navient coerced borrowers into consolidations that they knew did not qualify for loan forgiveness programs as a way of extending the life of their loan portfolio and continuing to collect interest on those loans beyond the 120 payments required for the PSLF program. I ask that CFPB investigate whether Navient did this, and if so that CFPB add this complaint to their recently filed lawsuit against Navient.
Product: Debt collection

I sent a cease and desist letter on or about XX/XX/2019 but have continued to receive calls on a weekly and sometimes daily basis. 
always with different telephone numbers sometimes local area code and other times with XXXX numbers or not local area codes. They never leave a message when I don't answer, so I call the numbers back to verify who is calling and sure enough, it is them
Product: Debt collection

I already submitted a complaint against ATG on XXXX XXXX, # XXXX. ATG collection received debt that I owe. I contacted a credit consolidation service ( XXXX XXXX XXXX ) to negotiate with ATG for this debt. They are in the process of doing so. ATG keeps calling my work phone and sending me letters after XXXX XXXX XXXX sent them a cease and desist letter. Again, they called my work phone # on XXXX XXXX, 2015 at XXXX. This harassment has to stop.
Product: Checking or savings account

My account was debited approximately {$1200.00} from XXXX from Capital One Bank. I called and filed a complaint, but it was denied. So I spoke to a supervisor, who was very rude and accused me of filing a false fraudulent claim because it was completed by the chip, according to our records. Now I am out a full paycheck in a time of crisis and I dont have any money to pay my bills. Please help me get my money back from Capital One Bank and MasterCard!
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX worked with me on a loan modification I submitted the signed agreement to them multiple times Mail 2 times Fax 1 time Updated to their Document Upload on the web I received notice that they never received any of these which I find hard to believe. 

I have am mailing again tomorrow. I want them to honor the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX University XXXX XXXX  XXXX university XXXX XXXX us department of edu us dept of education and address are not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This is the problem I have with my Capital One XXXX XXXX  company. I have had this card for years. During these years I have only used one checking account to make my XXXX card payment. I have had over {$20000.00} of nasty debt on this card. Capital one never questioned my payment source. Not once. Never once. So I paid off my crippling debt and relieved myself of Capital One 's predator lender interest rate. I called Capital One and reduced my debt limit to {$700.00}. I now pay off my XXXX card weekly or sometimes once a day. I am committed to never letting my card debt get out of control. 

So now that I no longer pay Capital One any interest whatsoever, AND they pay me cash back, NOW, they close my account down and claim that it is due to the need to verify my checking account. When I was struggling to make my payment they were happy with my one payment source. When I paid nearly {$20000.00} down on the card, they never questioned my checking account. Now that Capital One is no longer making massive amounts of interest off of me, they shut my account down and claim that it is because they want to verify the only account that I have ever used to make payments on this card. 

So, they restrict my account, lock my cash back and claim it is to verify my account, yet they still let me make payments on my card out of my checking account ... the same checking account I have used since day one. 

This has nothing to do with my payment source and everything to do now that Capital One is no longer profiting off of me. 

On XX/XX/XXXX XXXX XXXX restricted my account under the false premise that they want to verify my account. I did follow the instructions. Nothing. 

They were questing my payment source yet, I was able to use this very source on XX/XX/XXXX to pay {$150.00}, XX/XX/XXXX, I paid {$150.00}, {$50.00}, and {$60.00}. 

Again, I have had this card for years and I have never used an alternate checking account or source other than maybe a money order from a bank to make a payment and it's not until Capital one no longer profits off of me that they question my payment source.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  -- - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had called XX/XX/XXXX to have an authorized user by the name of XXXX XXXX removed from all my accounts. The citi bank representative assured me he had been taken off but in XX/XX/XXXX he was still able to use the card that was supposed to have been deactivated to make charges for a cruise ship. Citi bank failed to properly remove him thus allowing these charges to be made. They keep refusing to remove the charges because they cant find the recording of the phone call when I asked to have him removed which is completely unfair to me. Because they failed to do their job correctly I am punished?!? I dont think so. I have called over 20 times and spoken to multiple departments and supervisors and now they are just completely rude and they hang up on me and its completely unfair and unprofessional. These charges need to be removed. Citi bank and XXXX XXXX ( the person who was not supposed to even be on my account anymore in XX/XX/XXXX ) are responsible for these charges not me!! Furthermore they allowed all of Mr. XXXX contact info to be kept as the primary contact info on my account leaving me completely in the dark about these charges even being made. HORRIBLE CUSTOMER CARE! I have even sent letters to try and get the correct resolution and no one responds and their representatives on the phone are awful and no help at all. This has been a completely nightmare!
Product: Credit reporting or other personal consumer reports

I have no knowledge of this company Credence Resource Management for {$540.00}. I never had any service with this company at all and is going against my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I filed complaint last time, about my Credit file items to remove. However, after reviewing my credit file, the accounts and inquiries I listed in my letter last time, still reported on my credit report. There is no investigations made for my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

After checking my credit report i noticed these credit agencies and this company are in violation of my law and my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX XXXX  : XXXX XXXX, has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Product: Credit reporting or other personal consumer reports

I'm became victim of identity theft due to a data breach with XXXX XXXX XXXX whoever stole my identity opened a fraudulent loan with XXXX XXXX XXXX and also attempted to get other loans. Here are some of the fraudulent inquiries that is on my credit report with the date reported. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Two credit cards were opened without my consent these accounts are fraudulent I never applied for a credit card with XXXX  or XXXXXXXX XXXX XXXX, have these accounts closed and removed from my credit file, see my ftc report.
Product: Money transfer, virtual currency, or money service

my complaint is against cash app. ( block inc ) due to the inadequate customer service practices and the which violated my rights on several occasions. 
actices. Heres what Ive personally dealt with and heard from others : Security Problems : Cash App hasnt done enough to keep our accounts safe. Many of us, including myself, have had our accounts hacked or experienced unauthorized transactions, even when we followed the recommended security steps.

Freezing Accounts and Holding Funds : Some of us have had our accounts suddenly frozen or our money withheld without any clear reason or warning. This has made it really hard to trust the app, especially when we rely on it for important transactions.

Terrible Customer Support : When problems come up, getting help feels nearly impossible. Responses are slow, unhelpful, or sometimes nonexistent, leaving us frustrated and stuck.

Hidden Fees and Misleading Practices : Fees for using Cash App arent always clear upfront. A lot of people end up paying more than they expect because these details arent communicated well. 

Fraudulent Transactions : There seem to be very few protections against fraud. Once money is lost to scammers, its almost impossible to get it back, which is really concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered after applying for credit that a company named Allied had put information on my credit of a bad debt. I had not heard of this company and called them to inquire. They stated that I owed money on s student loan that they acquired. I assured them that my student loans had long been paid in full. They then stated that I had co signed a little an. After much discussion I agreed to pay XXXX due to XXXX ncern over my credit while they agreed to send me proof of my signature on the said loan. I never received documents and they took 0ver {$1500.00} put out of my account. I tried multiple times to contact them and they would not return my calls. Finally I had to go to my bank and change account information. This all began in XX/XX/2017 and they have yet to resolve this issue. XXXX thinks that this is a fraud issue and had instructed my to contact Law Enforcement as well as your agency. They have placed an alert on my credit report because there are also a fradulsnt address and name on my report which may be associated with this account and company.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The numerous inaccuracies related to ( XXXX Account Number : XXXX ) are highly injurious to my credit score. 

It has been over 30 days, the agencies report inconsistent information from the sole provider and the agencies have not reported changes, updates and findings clearly to CFPB via the consumer portal.

In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Debt collection

Experian has been sending multiple charges to my XXXX XXXX credit card for services I have never signed up for. Obviously these are fraudulent charges. I tell XXXX XXXX to refund the monies and they do while stopping the account and sending me a new card in the mail. As soon as I verify the new card, when it arrives in the mail, the charges come right back. 

I've done this 4 times now and even had my credit card company block Experian from charging my card but it doesn't stop them. It makes no difference. I tried contacting Experian at 5 different numbers and can not get a live person to talk to, just automated prompts. Out of frustration, I went through the prompts to act like I had an account and I wanted it cancelled. As soon as I said cancel this service it says that I don't have a service with them. I know that already, but it just further proves these charges on my XXXX XXXX card are fraudulent. Still no way to contact Experian. 

I've seen this same scenario online about Experian charging others for services they didn't sign up for, and no one can contact Experian. It's madness to be in this loop with seemingly no way to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th Complaint that I am a victim of identity theft and I COMPLAINT to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me. Per required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT BUREAUS are require to remove any items which was opened without my knowledge, consent or authority within 4 business days : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance ; XXXX XXXX XXXX XXXX Balance {$3600.00} ; XXXX  XXXX XXXX Balance {$710.00} ; XXXX XXXX XXXX Balance XXXX ; XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX Balance {$95.00} ; XXXX XXXX Balance {$640.00} ; XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX  XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  Balance {$310.00} ; XXXX XXXX XXXX  XXXX Balance {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
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 Report/FTC identity theft report ( FTC REPORT NUMBER : 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 four business days.

To following information on my credit report is the result of identity theft and should be blocked : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one 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 60 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: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. 
According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also, according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on new regulations for medical bills under {$500.00}, I have one company in particular which even after dispute credit reporting still continues on several medical bills below {$500.00}. The credit XXXX XXXX Experian, XXXX XXXX and XXXX are not removing them. 

Plusfour inc. Is the company that Ive seen that has not removed the credit reporting for medical bills under {$500.00}