23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to your credit report.

OR This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. 
I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.
Product: Debt collection

The Debt collector Key Bridge Medical. has been attempting to a collect a debt that the State of Ohio paid through the State of Ohio XXXX program. They as well as the original creditor has been made aware of these debts being billed and paid by the XXXX program. The Original creditors have assured me on numerous occasions that they would have this company remove the debts from there files and my credit reports. This has been an on going issues for several months. The accounts in Question belong to the XXXX XXXX medical Center and XXXX XXXX. They have also called and harassed me after I mailed them a cease and deceit letter, I was told by them that I would be sued for the amount they say I owe when clearly it was paid by the government and was told they did not care what XXXX paid or did n't pay they only care about what they were told to collect. I demand that they cease all collection activity, and verify with the State of Ohio that there was XXXX coverage at the time of service and that it was paid. They are reporting the same account several times in an attempt to force me to pay the debt or have bad credit. When I mailed them a demand for validation of the debt I never received a response. They have clearly violated several federal Statutes that pertain to fair debt collection, and improper reporting of information to the credit reporting agencies. They have done harm to my credit, and my reputation by there falsehoods and illegal acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen years ago and I've had to file several reports to remove the inaccurate accounts from my credit file. No results.
Product: Checking or savings account

Blocking apps. My account has been frozen for over three months and I have a positive balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 credit reporting agencies and all 3 told me that inquiries are permanent and can not be removed. I explained that they are not legitimate inquiries and that this has happened to me before when I was in the military where someone repeatedly tried to get credit in my name. They told me that there is nothing they can do about the inquiries. 

I called multiple times only to get the same answers and I submitted online disputes but they have not corrected this. 

The inquiries include XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

Sure I called the company and no one could give me any payment information when I asked. I have an old non PDF statement of account that is VERY different from what the company is now showing. I can have this scanned if needed but anyone with eyes can see what I'm saying without looking at it as the report is very sketchy. 
In XXXX I graduated law school and I would happily return the degree if possible. It's worthless. 
XXXX XXXX spent years convincing me to do things that weren't smart. In XXXX it turned to threats. I said do it so they destroyed my credit. 
In XXXX I had a lawyer draft what I wanted ... a payment schedule that fit with what I could afford on a teacher salary. 
I started paying the agreement and never missed one after. 
However in XXXX they changed handlers. 
I received court notices they were going to sue. 
I spoke and showed every payment and they dropped the charges. 
Now in XXXX I wanted a statement of account. 
In XXXX my XXXX loan was down to XXXX in the paper. I will go through my papers if I need to and get it scanned. 
So I filed a complaint and Navient first provided a statement that they suddenly had all my 10 years of payment. 
I then filed a second complaint wondering why my loans were never changing. 
Now today I received a statement and it's conveniently stating all payments I have made for a decade are entirely in the interest and fees column. This is not what I was told 6 years ago. And for 10 years the balance didn't change at all. 
It doesn't smell honest at all if final bills don't change in a decade of payment. I'd like clarification, especially on the XXXX bill that was down to XXXX in XXXX is now being reported as XXXX back then.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/22, equifax has removed an account from my file without my permission or given notice. My XXXX XXXX XXXX  loan was removed without notificafion or permission and this account is still open. Because this account was removed, my credit score has dropped as a result.
Product: Credit reporting or other personal consumer reports

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. 

The following personal information is incorrect. 

XXXX XXXX.
Product: Student loan

I am writing to urgently draw your attention to a serious discrepancy regarding my student loan payment count, which directly affects my progress toward achieving XXXX XXXX XXXX XXXX ( XXXX ). My trust in the systems in place has been deeply shaken, and I am compelled to seek intervention and guidance from the Consumer Financial Protection Bureau to rectify this matter promptly. 

Background : In XXXX, I acted in good faith and consolidated my loans under the Income-Driven Repayment ( IDR ) waiver. To my astonishment, this action resulted in my payment counts decreasing from XXXX to XXXX. Since then, despite my continued employment in a public service position, the count has stagnated at XXXX for several months. 

Actions Taken : To address this discrepancy, I have been assiduously submitting my employment verification forms monthly, expecting the counter to reflect the accurate number of payments I have made. Unfortunately, these attempts have proven fruitless, leaving me in a precarious situation with looming uncertainties. 

Current Situation and Concerns : The payment pause, instituted due to unprecedented challenges our nation faced, is set to end shortly with payments resuming on XX/XX/XXXX. I find it deeply concerning, and frankly outrageous, that as we approach this deadline, I still do not have an accurate representation of my payment count. If I have already reached the required XXXX payments, it would be unjust for me to be obligated to make further payments. 

Request : I am requesting an urgent review of my payment count and demand its rectification before the pause ends in XXXX. An accurate payment count is crucial to ensure I, and undoubtedly many others, can confidently navigate our financial responsibilities without undue burden or stress. It is essential that borrowers can trust the systems in place, and as of now, this trust is significantly diminished. 

Furthermore, I kindly request a written confirmation of the review and the necessary steps taken to ensure my payment count is accurate. 

Conclusion : The XXXX XXXX XXXX XXXX program was established to recognize and reward those who have dedicated a significant portion of their careers to public service. The integrity of this program hinges on the accuracy and transparency of its processes. My situation, regrettably, has been marked by opaqueness and a lack of clear communication. 

I sincerely hope that this matter is given the prompt attention it deserves. It's not just about rectifying an individual 's payment count but ensuring the very credibility of a program that thousands rely upon. 

Thank you for your attention to this matter. I eagerly await your prompt response. 

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

Experian continues to report a bankruptcy that my ex wife filed long after we split. I have disputed this for over a year trying everything under the sun to have them delete the bankruptcy because it doesn't belong to me. I have sent letters telling them it's not my bankruptcy and letters telling them they are not even reporting the full name of the court or the full account number. I have requested Experian to validate this reporting and they continue with verification. I'm including the last 2 letters I've sent them. XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes online, via letter and by calling to each credit agency to correct my personal information that's on my credit reports. My XXXX, XXXX and Equifax should only have my name, address and employer as followed every other name, address and employer should be removed ASAP per the law. 

Name - XXXX XXXX Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX OK, XXXX Employer - XXXX I need all other names, address 's and employers removed from my XXXX, Equifax and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX {$300.00} Account Name : XXXX Account Number : XXXX {$0.00} Account Name : XXXX Account Number : XXXX {$0.00} and list of Inquiries. 

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.
Product: Credit reporting or other personal consumer reports

I have reached out to remove inaccurate late payments off my credit report under the federal law it states 15 U.S. Code 1666b covers the timing of payments for open-end consumer credit plans. It includes provisions about the length of billing periods, finance charges, and the timely mailing or delivery of statements. It also states that creditors can not treat a credit card payment as late unless they have reasonable procedures in place to ensure that statements are mailed or delivered.
Product: Checking or savings account

Chase ( JP Morgan ) is closing my checking account because XXXX XXXX is claiming unemployment from with my account information. Unemployment contacted my bank targeting my account as a red flag. I have never collected unemployment in my life I don't know an XXXX XXXX. a few months back I had to change all of information email passwords because there was fraud on my bank account I got anew debit card and haven't had and issue until now.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX I registered for Capital One Credit Wise during registration and transferring my personal identification as requested, I was sent a 2-step verification code to my phone from ( XXXX ) XXXX. After signing up I no longer have access to the site with my username and password and the claim is that my phone is not registered or match my account when it's the same number used to register the account and take in all my personal information. It is a complete lock out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I hope all is well. I am filing a formal complaint against the credit reporting agency that is identified as " Equifax Inc. ''. 

By their own admission, Equifax has stated that they have issued wrong credit scores for millions of consumers. My consumer report has recently been reviewed, which informs me that they have my personal information in order to furnish such a report. Per 15 USC 1681A ( 3 ), Equifax does not have my permission nor my consent to furnish anything on my consumer report. Per 15 USC 1681A ( 4 ), they also did not exercise grave responsibility to ensure that my privacy was maintained. This is evident due to the fact that my personal information, which includes but is not limited to - name, social security identification number, etc. is included in the consumer report. 

This has given Equifax not only the ability to allow identity theft and fraudulent actions to occur on my consumer report, but they have also willingly accepted information that they believe belonged to me without first contacting me personally to ensure that the information was valid and true. I demand that all items furnished on my consumer report be removed, and that Equifax be held accountable and pay for damages that not only contributed to defamation of my name and credit due to them being a major credit reporting agency, but they pay for all inaccuracies that were furnished on my report. Itemized line items will be provided to Equifax during the resolution process in order to completely clear my consumer report of all inaccuracies. 

The Attorney General will be contacted as well, to ensure that all avenues of rectification are obtained. 

Thank you.
Product: Debt collection

I received an alert on two of my credit bureau. The alerts stated that the Creditors name is AFNI at XXXX XXXX XXXX, XXXX, IL XXXX. Showing that is have an Account Balance of {$94.00}, Payment Status : Collection/Chargeoff, XXXX XXXX XXXX : XXXX  XXXX Other, & XXXX XXXXt : Placed for collection. It only shows a partial account number on one of the alerts and shows it was added to my credit report report on XX/XX/2021 on one site and XX/XX/2021 on the other site. I dont owe {$94.00} to any company and have a good credit score currently at XXXX on XXXX and XXXX on XXXX I dont want any false information to damage them.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : XXXX XXXX XXXX # XXXX date : XX/XX/XXXX XXXX Collection XXXX XXXX Date : XX/XX/XXXX Sbnaselflndr # XXXX Date : XX/XX/XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE
CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$8100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1600.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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 U.S.C 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C. ( 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, which Antendates 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.
Product: Checking or savings account

On several occasions wells Fargo has charged me overdraft fees for transportation that should have cleared but they said on XXXX occasion that I over spent and when the merchant processed the payment I had spent the money or with drew it before the transaction cleared. Also, they've charged me for money that appeared in my account unbeknown to me so I'm thinking I may have received a deposit but they put it there just to charge me overdraft fees.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under The fair credit reporting act states : According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Please remove the following items from my credit report, immediately. 


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

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Checking or savings account

XXXX XXXX deposits transfers wells fargo deposits and refunds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX deposits and refunds XXXX money loans international deposits and withdrawals my ID was stolen XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tranfers and deposits emails XXXX car loanr house mortgae loans hotels XXXX XXXX  my name is XXXX XXXX lm wanting you to stop whoever is using everything social birthday all emails on all different sites apps apps XXXXXXXX XXXX XXXX  etc...
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX credit bureaus after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to the XXXX credit bureaus last XXXX XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX Balance : {$460.00} will be investigated and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This two accounts still on my report and they shouldn't I have tried to resolve the issue with the bank but nothing has been done. Per FCRA the account are 8 years and months old it's past the 7 year maximum that the account can stay in the my credit files this information needs to be remove by law.