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

I was notified by XXXX XXXX that Equifax is not providing a up to date credit report for some error on Equifax part, I even attempted to request a annual credit report from Equifax under the FCRA and there is an error with my credit information not being retrieved or provided to any third party or the XXXX XXXX XXXX XXXX XXXX. 
Social Security Number of Consumer is XXXX
Product: Student loan

I graduated from XXXX XXXX in XXXX. I plan to work for a XXXX XXXX  and so initiated on the income based repayment plan, with hopes I would qualify for the Federal Student Loan Forgiveness program. Initially, this was not a big issue. However, several years ago, my loans were transferred to Pennsylvania Higher Education Assistance AgencyXXXX and ever since even enrolling in income based repayment is an issue. This year, I submitted my financial information via two sequential paystubs at the end of XXXX. Apparently, they sent me a letter ( otherwise, all my payments/communication done via email/online mailbox in this system ) telling me this was not accepted as it did not state if I was paid twice a month or every other week so it was refused. I started to be billed for regular payments on a standard 10 year plan, with a monthly payment of ~ {$3700.00}. I work in XXXX XXXX and finally called - all they needed was for me to tell them over the phone and resubmitted the request last week ( XX/XX/XXXX ). On XX/XX/XXXX, I received the following message " We will process your Income-Driven Repayment ( IDR ) recertification request once the final bill of your current schedule is generated on XX/XX/XXXX. '' I called them today ( XX/XX/XXXX ) and after a 15 minute wait to get someone on the phone, they state that this was generated in error. The gentleman I finally spoke with on the phone did state I needed to make a forbearance payment before even being eligible to switch the plan. He put in a request for this, and I should get a bill for this in XXXX or XX/XX/XXXX, after which they will reactivate my request and hopefully approve me again for income based repayment.
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 XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX 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, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaacurately and incorrectly on my credit report. 
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any prroof or documentation that will prove this account is being reported accurately.
Product: Checking or savings account

I deposited a check for {$1200.00} on XX/XX/XXXX. Regions put a hold on the check. I waited until check has been cashed by Regions, then on XXXX requested removal of hold, was denied and I was advised to contact the branch. 

I spoke to the branch manager, who advised me that the reason for the hold is punishment for my previous overdraft transactions. I was not aware a bank can punish a customer by holding their funds for previous overdraft items. 

I advised manager that funds have already been withdrawn from payee 's account, therefore should be released to me. Manager told me they will see what they can do and get back with me, but the never did. 

Four days after deposit I still don't have my funds. They have been withdrawn from the payee on XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracing older transactions were unfeasible. The CFBPs finding indicated that Zelle has not only neglected to protect its consumers leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, LVN funding LLC add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication. contract or signature for this accused debt at all A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, LVN funding has Violated my rights as a consumer and i'm requesting legal action to removed this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within XXXX  days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX Account # : XXXX Balance : {$7000.00} XXXX XXXX Account # : XXXX Balance : {$7800.00} XXXX XXXXXXXX XXXX  Account # : XXXX Balance : {$6700.00} XXXX XXXX Account # : XXXX Balance : {$1900.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit card

CITI surreptitiously increased my interest rate in XXXX from 15 % to 29 % and never told me about it. When I found out about it online 7 months later, they stalled when I asked for information and finally lied about whether I could close my account. After stalling initially and denying that my interest rate was a default rate, they finally admitted it was but would not advise of the default. When I reviewed every statement of mine since the rate increase, I found absolutely no delinquency. I told them I wanted to close my account. Citi said I would lose over XXXX miles on XXXX XXXX if I did. I called XXXX the next day, and the woman at XXXX informed be that Citi was wrong and " that they tell everybody that. '' Extraordinarily infuriating.
Product: Debt collection

Portfolio Recovery XXXX ( a third party collection agency ) put a account on my consumer report. I have not received any correspondence from them other than what's on my consumer report. I have not received any letter, email, etc. I need the letter that they sent to my address stating that they gave me the time to actually dispute this debt before reporting to my consumer report and damaging my credit. Also, I need something in writing stating that I authorized PRA to buy this debt in my name to put it on my consumer report. I need an itemized bill and a wet signature stating that this debt is mine. From my knowledge, I have never had a contract with this debt collector for any debt. I am asking for them to provide proof from the original creditor that this debt collector own this debt and has the authority to collect on ( obtain ) said debt or delete this account.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OHIO XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/1971 XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent utility bill for verification purposes, as required by the FCRA. Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient Solution LLC at XXXX XXXX XXXX XXXX, XXXX, DE XXXX have been reporting on my credit report inaccurate information without my written consent. I have sent numerous of dispute letters for Navient to remove this off my credit report and they failed to do so. The original amount balance went from {$9700.00} to {$26000.00}. Here are all the dates trying to resolve this matter : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Credit card

This is a follow up to the inaccurate response the company provided on complaint # XXXX Citi claims that I filed the dispute outside of the 120 day timeframe but did not proved any details other than the date the charge poster on XX/XX/year>. I can only assume the details were lacking as they were covering up for their error. 

Please see the attachment that shows the conditional credit was issued on XX/XX/year> which was well within the 120 day window. Credit is on top section of the statement. 

I ask the CFPB to look into this continued misuse of authority by Citi, especially by the executive response team as they appear to be purposely responding with false and misleading information as an internal coverup. 

Citi has a broken process that lacks the proper communication protocols, leaving the consumer in a defenseless position. I have evidence that I asked for a simple phone call on multiple occasions with that request being ignored.
Product: Student loan

I have been given inconsistent timelines regarding refunds of past payments. I have a balance that will begin to accrue interest, yet I have not received any accurate information regarding the timeline of my refund. I have tried multiple times to reach them with no helpful information of the timeline of my refund nor the manner that my refund will be issued. The only thing they were quick with was telling me my balance has been reinstated now that the payments have been " refunded '' despite me not having any information of said refund.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : 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

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 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 U.S.C XXXX section XXXX A. XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX and I have been working for the last 6 months on trying to fix the incorrect account that is reflecting on my credit report. I have filed a dispute through the CFPB for now the 4th and final time. Please make note that I am aware that you all have refused to process my request or even look into the issue the other 3 times I have done this. Because I have now lost the home I was trying to close on and the Earnest Money I put up I have seeked legal advice and am aware that you all have violated the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX is falsely reporting a bankruptcy on my credit report and they have put the data furnisher being the US BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX. I have attached a letter from the US Bankruptcy Court verifying that they do not provide this information to the credit reporting agency nor do they verify or validate this information and I also have a letter from XXXX XXXX having removed the bankruptcy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my latest personal credit report it shows a credit card that is not mine. Data lollows : USAA Savings Bank XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Monthly Payment Monthly payment {$910.00} Date opened XX/XX/XXXX Loan type : CREDIT CARD account type : Revolving Account Date updated : XX/XX/XXXX Payment received : {$0.00} Pay Status : Account 30 days past due date Terms : {$910.00} per month paid monthly High Balance History : high balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX : {$8.00} from XX/XX/XXXX to XX/XX/XXXX. 
{$16.00} from XX/XX/XXXX to XX/XX/XXXX ; {$19000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX remarks : FIRST PAYMENT NEVER RECEIVED
Product: Debt collection

A correspondence was sent on XX/XX/21 in regards to collect a debt of {$42.00}. This company violated multiple laws : 1.Violation 15 USC 169 2e ( 2a ) was done by reporting a positive amount of debt owed.

2.Violation 15 USC 169b ( 3 ) was done by printing the logo on the top of the page.
Product: Debt collection

This account is not minds, a police report was filed regarding this. This collection agency has not tried to contact me prior to placing this account on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : The reported late payment for XXXX, XXXX, XXXX and XX/XX/XXXX are incorrect. My payments were made on time, as confirmed by my bank statement ( attached ), which shows that the payment was processed and cleared before the due date. 
Clerical Error : There appears to have been a clerical error in recording the payment. My account history with XXXX XXXX shows consistent on-time payments, and the sudden report of a late payment does not align with my payment behavior. 
Extended Processing Time : The payment was made within the grace period provided by the creditor. However, due to an extended processing time on the part of the creditor, the payment was erroneously marked as late. This delay in processing should not negatively impact my credit report. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Under the new law effective XXXX XXXX, 2017, any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit bureaus have not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit reports.
Product: Payday loan, title loan, personal loan, or advance loan

I did not take out a loan with this company and they are contacting me at all hours. I have blocked them and the messages go to my voicemail. I receive calls from Fast Day Loans several times a week today, XX/XX/year>, being the most recent. I have not answered their call nor returned their call. The call comes from XXXX and a robot leaves a VM to call back at XXXX. Researched both numbers and both come back as spam calls. I do not have a dollar amount because I did not utilize this company.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint : FCRA Violations and Failure to Block Fraudulent Account Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding TransUnion and XXXX XXXX ' non-compliance with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B ( 15 U.S.C. 1681c-2 ) and 623 ( 15 U.S.C. 1681s-2 ).

I am a documented victim of identity theft and have provided all required documentation to both parties, including a valid police report, proof of my identity, and a detailed statement identifying the fraudulent account. Despite my compliance with the law, TransUnion has refused to block the account, and XXXX XXXX continues to report inaccurate and derogatory information, causing significant harm to my financial stability. 

This unauthorized, unlawful, and falsified account has directly impacted my ability to provide for my family. My daughter, who is autistic and XXXX, requires specialized care and education, but I am unable to finance these critical needs due to this derogatory reporting. Additionally, I can not co-sign for transportation that my XXXX son urgently needs resulting in further financial harm. 

I have made every effort to resolve this matter by submitting disputes and providing supporting documentation multiple times. However, neither TransUnion nor XXXX XXXX has responded to my concerns or acted in accordance with their obligations under the FCRA. Their lack of cooperation is causing ongoing harm and preventing me from moving forward.