23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I get a call from XXXX all the time. If I answer, theres nobody there. If I dont answer, they dont leave a message. I did find out its from some company called RMS. Some debt collector  I guess. Ive been in chapter XXXX for a couple years now. Id love to get them in hot water! Theyre not allowed to try and collect any debt from me!
Product: Checking or savings account

I suspect FirstBank of Colorado uses deceptive account balance alerts to generate overdraft fees form consumers. 

On XX/XX/2018 I received an alert notifying me that my account balance was {$60.00}. In fact, the balance at the time the alert was sent was {$37.00}. Had the bank accurately reflected my account, I would have immediately moved money over from one of my other 4 accounts and avoided an overdraft charge. The bank has refused to acknowledge its error and refund the overdraft fee. Rather, it stated that it is not responsible for inaccurate information sent in account alerts. I suspect this is by design to churn overdraft fees. 

The bank also sometimes fails to send notices as promised. Sometime before XX/XX/2018 my account dropped below {$100.00}, but the bank failed to send me the account balance alert that I had contracted for. Again, I would and could have transferred money from one of my other four accounts had I received the notice the bank had contracted to send. The bank disclaimed any responsibility and refused to refund the late fee.
Product: Student loan

I have noticed that periodically and without warning, Navient will lose or erase my scheduled payment from their system. I recently had this happen this month after I scheduled a payment to process XX/XX/18 on XX/XX/18. I checked my account online this evening and noticed I had no scheduled payments and no payments posted or processed. So I scheduled another payment this evening for the same amount as before however now I am paying 3 extra days of interest ( which may be why they are doing this ).
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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

Back in XX/XX/XXXX my credit report showed a inquiry from XXXX XXXX. I never applied or ordered anything from them. I called them and XX/XX/XXXX they sent me a letter stating they sent a letter to all 3 bureaus to remove it. I faxed Equifax a copy of the letter to the dispute department and I disputed it online. I contacted them several times and they never removed it. So I filed a complaint with you all. I have been working with XXXX XXXX, Trade Practice Specialist Better Business Bureau Serving Metro XXXX , XXXX & XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX is not attempting to solve my problem. This has been going on Since XX/XX/XXXX. I spoke with XXXX again They said they sent and update 3 times to have this inquiry removed from my credit report. I spoke with Equifax and they said they do not remove inquires. I am very angry. this should not be on my report if it does not belong to me. I have never applied with XXXX or ordered anything from them. So why should this be on my report? Again I inquired about this in XX/XX/XXXX. I got this email Complaint ID # : XXXX Business Name : Equifax , Inc. You recently requested our help concerning a problem with the company named above. The company has not responded to BBB to date. If you have heard from the company please contact our office using the link provided or return this letter via mail. XXXX Please use the following to log in : Case ID : XXXX Password : XXXX Sincerely, XXXX XXXX XXXX Trade Practice Specialist. Sent me another email saying You only filed your complaint in XX/XX/XXXX, it is with Equifax now and as soon as we get a response it will be forwarded to you. It should not take this long to investigate something that does not even belong to me. Your attention in this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was the victim of a large scale data breach that resulted in my and others identity and other information being stolen. This is due in part to gross negligence on their part in the realms of consumer protection and information security. Because of this negligence millions of people have been compromised and will likely suffer a great deal of hardship, all of which was entirely avoidable if proper attention was placed on safe guarding consumers and their data.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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/XXXX
Product: Debt collection

RENT DEBT AUTOMATED IS VIOLATING THE FAIR DEBT COLLECTIONS PRACTICES ACT BY CONTINUING TO REPORT ON A DEBT THAT IS THE RESULT OF IDENTITY THEFT THEY ARE TARNISHING MY GOOD NAME AND AFFECTING MY CREDIT WORTHINESS OVER AN ACCOUNT THEY HAVE NO RIGHTFUL USE TO AND THAT IS THE RESULT OF IDENTITY THEFT. IF THEY DO NOT REMOVE THIS ACCOUNT I WILL HAVE TO ESCALATE THE MATTER FURTHER.
Product: Credit reporting, credit repair services, 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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

CFPB found that XXXX had manipulated credit card Balances and Interest Rates and required XXXX to reimburse the credit card holders {>= $1,000,000}. I received XXXX checks totaling {$950.00}. Prior to receiving these checks a credit card debt collection company XXXX & XXXX XXXX  through their attorneys Kenosian & Miele here in XXXX, California. The XXXX XXXX XXXX case # XXXX where through a Mandatory Court Settlement conference a stipulated agreement was reached for {$5000.00} to be paid at $ XXXX month down from a Manipulated balance of {>= $1,000,000}. The original interest rate was 9 % and later manipulated to 29 %. I objected. Please call me XXXX!
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a inquiries I am writing to dispute the following information that appears on my Experian report as a Inquiry from XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX, that appears related to the aforementioned car loan accounts.These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX cases as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

Fraudulent account opened in my name Using my old address info Creditor Information- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX Phone XXXX Original Creditor Name SPEEDY CASH Balance {$830.00} Opened XXXX XXXX, 2019
Product: Debt collection

Portfolio recovery, XX/XX/year> Amount {$1400.00} disputed and wasn't resolved
Product: Money transfer, virtual currency, or money service

identify you and your account.

( 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 process 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: Debt collection

XXXX Card debt currently in collection with Transworld Systems , Inc. Current Balance Due : {$6500.00} however ; Federal Tax garnishments ( paid ) were never applied to balance:XX/XX/XXXX= {$1400.00} ; XXXX {$1600.00} ; XXXX {$570.00} ; XXXX {$1000.00} ; XXXX {$680.00}. Total garnishment= {$5300.00} highest balance on card {$5200.00}. Transworld amount due is incorrect. Also transworld is adding Collection Charge and interest totaling {$2900.00}. XXXX XXXX # XXXX Debt collector may not collect any interest, fee charge or expense ...
Product: Student loan

I was enrolled in a school in XXXX and I explained that I didn't have a XXXX. But, I attended one class couldn't do basic math and never returned however, I never seen any proof of a student loan. I recommend my XXXX in XXXX while in XXXX, Michigan XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two cards with XXXX XXXX XXXXXXXX. One ending in XXXX has a {$1400.00} limit. The other ending in XXXX has a {$400.00} limit. 

None of these show on my credit report.
Product: Credit card or prepaid card

I have a credit card account with Capital One for 5-6 years now. While I haven't used the card much in recent years, I keep getting monthly e-statements from them in my email inbox. 

On XX/XX/XXXX, I decided to login to the online account just to check things, and saw a banner there saying my account had been closed without me asking for it to be closed, or getting any notice. I initiated a chat with their customer support, which was quite frustrating with them giving me stock responses without explaining why they closed my account without even giving me notice. 

They claim they sent a notice to me 90 days before account was closed on XX/XX/XXXX. Interestingly this is at odds with what another representative told me earlier in the conversations, that notices had only been sent out XX/XX/XXXX, not even giving it sufficient time to reach me. I repeatedly told them I did NOT receive any notice, and that I had updated my new address well in advance of them sending any notice. After a lot of annoying back-and-forth, they admitted that the notice may have got lost in the mail, and so I asked them to re-open my account that was already there. 

They kept saying they couldn't do that, and that I can apply for a new account. Clearly after this experience I have no intention of applying for a new account. But my existing account being closed without even giving me a chance to take corrective action can have serious impact on my credit history, and is highly irregular on the company 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX Transunion XXXX The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Credit reporting or other personal consumer reports

It a lot of collection and inquiries on my account and I dont have any idea of them this is very frustrating
Product: Credit reporting or other personal consumer reports

I am writing to address significant discrepancies and inaccuracies related to the reporting of my loan information to all three credit bureaus : XXXX, XXXX, and Equifax. Despite having initiated XXXX disputes regarding these issues, it appears that XXXX has continued to provide inconsistent and incorrect information to each bureau. These inconsistencies significantly misrepresent my financial responsibility and have the potential to adversely affect my credit score. 

The issues at hand include several key areas of concern. First, XXXX has reported varying information to each credit bureau, which not only undermines the integrity of my credit report but also reflects negatively on my overall financial standing. Additionally, the terms of my loans under the Public Service Loan Forgiveness ( PSLF ) program have not been reported accurately ; specifically, my qualifying payments do not appear to have been counted correctly. I have also noticed discrepancies in the payment history reported to my Equifax credit report compared to the XXXX report, calling into question the accuracy of the information being provided. To complicate matters further, each of my credit accounts shows different payment dates, creating confusion and undermining the validity of your reporting. 

These inaccuracies in reporting are in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 602, 605, and 611. Section 602 establishes the duty of furnishers to provide accurate information, while Section 605 relates to the reporting of inaccurate data and the requirement to correct such errors upon notice. Section 611 mandates that furnishers investigate any disputes brought to their attention and report their findings back to consumers. Additionally, pertinent case law, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  emphasizes the obligation of lenders and furnishers to ensure that accurate information is reported ; failure to do so can lead to liability under the FCRA. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court underscored that informations furnishers like XXXX are required to have procedures in place to ensure accuracy and adherence to the statute. XXXX does not have procedures in place to ensure accuracy since all of my credit bureaus have different information and knows that I am PSFL and put it as 130 months terms which goes against the requirements of the PSFL program. 

Given these significant discrepancies and your responsibility to ensure accurate reporting, I urge XXXX to conduct a thorough review of my account records. I insist that the account be removed from all three of my credit reports due to the inaccuracies present. My next step will bring litigation for intentional negligence and failure to address XXXX previous disputes.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX and XXXX. Please delete the following accounts XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

CAPITAL ONE - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - XXXX5 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items removed right away! 
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