23daVinci/CFPB_Complaints huggingface dataset:
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 confidentially 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A : also states a Consumer reporting agency can not furnish an account without my written instruction.

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 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

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

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

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CFPB Nos. XXXX and XXXX XXXX XXXX Account Nos. ending XXXX and XXXX For account number ending in XXXX, the account was paid on XX/XX/XXXX and then again on XX/XX/XXXX, this is supported by my bank. XXXX shows no evidence of their claim of receiving it on XX/XX/XXXX and XX/XX/2017. No late fees were assessed and paid! XXXX XXXX response is an elaborate conjecture to include dates of notices sent to my official residence. I would expect notices of such importance to be sent via certified mail and therefore require a signature when received. To date, I have only received XXXX letter to my home from XXXX. I hereby request all evidence of XXXX XXXX claims of dates of payments on this account. If XXXX is unable to do so, they must adjusted my account to show no late payments, and reported accordingly to the credit bureaus
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive had inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a high interest rate loan from XXXX After receiving the funds, I came across the origination fee on the documents sent to me that were in the same amount as the loan. Loan amount approx. {$4600.00}. and origination fee approximately {$5000.00} I contacted the company immediately regarding the fee and the responded that the removed half the the fee. I replied via email Thank you. 
After that email, I was waiting for correspondence from them for payment. I wasn't sure if it changed the amount of the monthly installment or not. 
Previously when I had a loan with this company, they'd either call or text me as a reminder for the payment. 
I received nothing from them via mail, email, phone or text since the reduction for origination fee via email. 
All of a sudden, I go to get a new car and my credit is hit with a charge off from the company in the amount of the loan causing my score to plummet and making it nearly impossible for me to get financed. I ended up with getting a horrible rate due to this scenario.. 
I contact the company and they agreed that there was no proper notice provided to me prior to the credit reporting. No calls from collection or correspondence via mail. I asked why not and they said because it was in a certain department regarding the previous issue. 
Now, they tell me they didn't need to notify me to remind me of payment or to inform me of past due balances and monies due prior to charging off the debt greatly effecting my credit. 
This just doesn't seem accurate to me. Is this true of a high interest rate loan company?
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$44000.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX and live at XXXX XXXX  XXXX XXXX # XXXX, XXXX, OH XXXX My cell # ( XXXX ) XXXX On XX/XX/1940 I was on line and notice that a {$10000.00} was withdraw from my PNC checking account which was sent to XXXX XXXXXXXX XXXX to pay off my account. I did not authorize this transaction. I was never notified that this was being done. Thinking there has to be some kind of mistake because I never authorization any funds to be paid to XXXX XXXX  XXXX. 
Matter of fact, I have bill pay when it's due to make the payment, I am the only one that can do that. 
I checked with PNC to find out why they sent funds to XXXX XXXXXXXX XXXX. 
I then found out that my bank had taken whatever funds I had in my checking account and sent it to XXXX XXXX XXXX in the amount of ( {$3700.00} ) - I could not believe that they did that without notifying me. They had no right. 
First of all, I have never missed a payment and besides that I have bill pay. The payment was not due. 
I was told that PNC put a on hold on my account and now unable to get any money from my account. 
I need help now, I have bills to pay, utilities, gas, insurance, doctors, etc. 
This has never happened to me. Once I get this taken of I will be changing banks What am I to do?
Product: Credit reporting or other personal consumer reports

I am writing as a victim of identity theft and a data breach that has resulted in unauthorized accounts and inquiries appearing on my credit report. I request that you block and permanently delete the fraudulent accounts and inquiries listed below from my credit file as permitted under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts 1. DPEDXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - XX/XX/XXXX
Product: Checking or savings account

Online access to my account has been locked for many days now. 

It all started after I added an external account from XXXX XXXX XXXX XXXX. Huntington bank made 2 deposits and one withdrawal and asked to verify the amounts. It was done successfully. When I tried to transfer money from this external account to Huntington checking account, my online access was blocked at Huntington bank. It was blocked on Wednesday XX/XX/XXXX. I was told to bring XXXX XXXX XXXX XXXX account statement to Huntington branch, which I did on XX/XX/XXXX at XXXX. I was told by branch manager that I will get online access back in 30 minutes or so. It remains blocked as of this writing. I have asked online customer service and they tell me to contact the branch. I have called the branch and they tell me to call customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Convergent Accounts : XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I have recently been contacted by the XXXX agency regarding an outstanding debt in the amount of {$XXXX}. After thorough investigation and verification, I can confirm that this debt has already been paid in full and therefore, I do not owe any additional payment. 

Upon receiving this notification, I immediately called the XXXX agency on XX/XX/year> to dispute the validity of the debt. This call was recorded for quality and training purposes. During the call, I informed them of this paid debt and requested that they cease and desist any further attempts to collect the disputed amount. 

I kindly request that the XXXX agency acknowledge the resolution of this matter and update their records accordingly. I also asked they provide confirmation in writing that the debt has been cleared and that there will be no further collection efforts made against me.
Product: Credit card

Amex violated XXXX I applied for an American Express because I saw an offer for obtaining XXXX bonus points for signing up for an American Express card. I was approved for the card, but only receive XXXX points. I contacted Amex customer service soon after my account showed only XXXX points and told them that I had a screen shot of the offer that I clicked to apply for the card. I sent the screen shot to Amex and they opened a case for me. I waited about one month and did not get any updates or status on the complaint. I contacted Amex through their live chat option and was told the case was closed. I asked them why and they did not provide a reason other than the offer I clicked on was for XXXX bonus points. I explained to this rep that I sent proof of the offer. The rep then stated that she would have the case re-opened for review and that someone would get back to me. Again, no one contacted me, so I contacted Amex through live chat. Basically, the customer service reps on live chat do not provide me a reason why I did not get the XXXX points even after I sent proof of the screen shot of the Amex offer that awarded XXXX. 

I thought Amex had a reputation for great customer service. What I learned from this experience is that Amex uses a bait and switch tactic to entice customer to apply for their cards to get a certain number of bonus points and do not actually provide those points. How can a mega-company like Amex get away with this? I 've read online that Amex as been cutting costs, especially the customer service area, but they have cut costs to business practices online to avoid following the federal unfair, deceptive and abusive acts an practices. Please help. [ note that I 'm assuming that the XXXX points that Amex deceitfully withheld from me is worth about {$200.00} ]
Product: Credit card

My credit account was closed although there was never a late payment or any charges on the account that went against my terms of service. The auto pay that was setup also would randomly overdraw my account instead of it taking out the amount that was already in the account
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX and XXXX account XXXX, has violated my rights. In accordance with 15 U.S.C 1681c, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
Product: Debt collection

XXXX XXXX {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Debt collection

AD ASTRA REC is claiming that I owe them {$3300.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have written 4 letters to equifax requesting an investigation into several accounts that they are reporting on my consumer report. Once in XXXX XXXX XXXX XXXXXX/XX/year> each time they failed to do anything investigation into these accounts yet they have said that they have verified the accounts as accurate. On XX/XX/year> I wrote requesting all information they have with regard 's to these accounts as well as their methods used to verify these accounts that they are reporting. Along with my letter I send a clear copy of my state issued driver license and my current utility bill. However they didnt provide me with this information instead they send a letter saying that they cant find my credit file and need to verify my identity and to send my ID or social security number and proof of address. However I did send a clear copy along with my request. I know that it is my write to receive any and all information with regard to accounts being reported on my consumer report. Equifax is using this as a way to stall and not to do an investigation as they are obligated to do so. My consume rights are being violated and they are hurting my ability to obtain credit by falsely reporting information on my report. I want all these accounts removed immediately.
Product: Student loan

My loans were put into a mandatory forbearance, due to court issues with the XXXX plan. This was a month or so ago at 0 %. My balance was {$130000.00} and I have been sending small payments and my balance today is {$130000.00}. AidVantage is acting in bad faith and not adhering to the Federal Governments forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA, credit reporting agencies are supposed to report/provide complete and accurate information for accounts placed for collection, charged to profit or loss, etc. Per the attached consumer report, XXXX XXXX  XXXX account has incomplete and inaccurate information which puts Equifax in violation of my rights as a federally protected consumer. 
There is a date of last payment reported, but no last payment amount reported. If there was a last payment made, what is that amount. Why is it not being reported? 
Also Equifax is stating that this alleged account was opened XX/XX/XXXX but according to the payment history table, there is no data for the entire month of XXXX. Where is this data? The payment history starts XX/XX/XXXX, which is different from what is stated. 
There is no account number for this alleged account? What is this information? 
Date of last payment on this alleged account is stating XX/XX/XXXX, this also does not correspond with the payment history chart. If this was the correct last payment then there shouldn't be 120 days past due for the months of XXXX, XXXX and XXXX of XXXX. 
This alleged account, is still showing inaccurate and incomplete information on my consumer report. The date is XX/XX/XXXX and this alleged derogatory account has been on my consumer report for several years. Delete this immediately. Equifax is in violation of my rights as a federally protected consumer for reporting inaccurate and incomplete information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE UNAUTHORIZED INQUIRIES DO NOT BELONG TO ME, THEY HAVE BEEN VERY HARMFUL TO MY CREDIT REPORT, THEY HAVE YET TO BE VALIDATED & I AM ASKING YOU TO PLEASE REMOVE THEM ASAP, THESE FRUAD INQUIRIES MUST BE REMOVE THANK YOU XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  transferred my mortgage loan to XXXX XXXX  in the month of XX/XX/2019. During that time, I was in the application process of a loan modification. In order for me to qualify for the loan modification my loan had to be past due. So to avoid a 30 day late, I would make my past due payment later in the month but well before 30 days to avoid the reporting. 

When I tried to make my XX/XX/2019 payment in late XX/XX/2019. XXXX told me that my loan was transferred and to call XXXX XXXX. 

I called XXXX XXXX but they said my information was not transferred and to call back. I explained the circumstances and explained my fear of a 30 day late reporting. XXXX XXXX told me that neither bank could report negatively until 45 days after because of the transfer. On XX/XX/2019, my account was established with XXXX XXXX and I was finally able to make my XX/XX/2019 payment. 

However, XXXX reported a 30 day late for XX/XX/2019. If Im not mistaken, RSPA Section 6 states that there is a 60 day window for reporting adversely during a transfer. 

My wife became ill lost her job and we cant afford our current home. We are trying to sell our home and qualify for affordable housing. But we do not qualify with a 30 day late reported within the last 12 months.
Product: Credit reporting or other personal consumer reports

I contacted LexisNexis online and requested my consumer report 3 times. They keep rersponding that they can not identify me and refuse to send me my consumer report. They are sharing my information with XXXX XXXX and XXXX without my permission even tho I requested to opt out of there services. It seems everybody can get a hold of my information but I cant.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX