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 confidentiality under 15 USC 1681. I did not authorize any of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 tollowing 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 looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate on my Experian credit report. And according to the fair credit reporting act 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. 
These accounts XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX  Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 


XXXX XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX  Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ).

And one more thing according to 15 use 1681s-2 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 sent credit disputed to this company regarding inaccurate information of two accounts reporting on my credit report. I have not received a response yet, its been longer than 30 days. See the accounts below : 1. XXXX XXXX Account Number XXXX 2. XXXX XXXX  Account Number XXXX
Product: Credit card or prepaid card

My credit card auto payments from when I was married with my ex husband on our joint account are now being returned to my credit card because he's disputing them as fraud since I am no longer on that bank account since he took me off. All of the payments were done out of our joint account and with my paycheck that was being direct deposited into the bank account. So now he's steeling my money back. Capital One have so far giving him 14 months of payments back. Called capital one and they told me there was nothing i could do since my name isn't on the XXXX bank account the auto-payments came from originally and told me they can go back up to 9 years since I had the credit card account. So now they're wanting me to pay my payments twice.
Product: Credit card

Huntington bank received an application for pre-approved credit. The property was taken and I got nothing in return. Bank has opened an account ( id # XXXX ) in my name without my consent and denied credit, which is identity theft, restraint of trade, Misappropriation of funds and unjust enrichment. Furthermore, banks can't use credit reports based on privacy rights. I demand Huntington bank to present credits to the United States Treasury for securities for my redemption. 
Interest and money are due to me. Set off discharge dollar per dollar of application preset in honor and good faith.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding incorrect and inaccurate information on my credit report. Despite my numerous previous efforts to resolve this matter directly with the relevant entities, including reaching out on XX/XX/year>, no remedy has been provided to date. 
The following accounts listed on my credit report are inaccurate and in violation of federal laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Collections Account The accounts mentioned above violate the following laws : - 7 CFR 1782.3 _ 15 U.S.C. 1681b - 15 U.S.C. 1681c**_**15 U.S.C. 1692g 15 U.S.C. 1692d**-**15 U.S.C. S 1692i _ 15 U.S.C. 1692 I demand the immediate removal of these accounts from my credit report due to their incorrect and unlawful inclusion. I have enclosed documentation supporting my claim, including prior communications regarding this issue and references to the aforementioned violations.

The continued presence of these accounts on my credit report is causing significant harm to my financial reputation and stability. I respectfully request the CFPB 's assistance in investigating this matter and ensuring the removal of these accounts from my credit report without further delay. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continued request that I have been a victim of identity theft and seems like no one seems to care, that I want to dispute specific records in my credit file that do not belong to me or have an affiliation with me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1500.00}
Product: Student loan

Before repayment started. I tested my payment method to ensure auto payment on Nelnet could continue uninterrupted. I was previously on Great lakes. 

Successfully added current checking account and made payments. 

When loans restarted nelnet charged the banking account that was linked to great lakes but not nelnet. Despite the account not bring linked to current account and auto debit being linked to new checking account. 

When i reached out to Nelnet via phone support after i requested that the call be escalated they eventually advised me the old checking account is no longer linked the Nelnet account which will update to state the payment was not captured and then i can submit the XX/XX/XXXX payment. As of XX/XX/XXXX the account has not updated. 

I decided to make the XX/XX/XXXX payment of {$260.00} early on XX/XX/XXXX to ensure the payment was processed successfully before the holiday. After the payment was processed Nelnet then updated the payment due for another payment of $ XXXX on XX/XX/XXXX. 

There is no reason why i should be double charged for XXXX. The double payment does not reflect the not actually charged XXXX payment which was for XXXX. I have tried emailing multiple times and will be connecting with law firms to explore all potential avenues. 

I want to be able to submit my payment as expected or early without having to worry about what XXXX occur. 

Standard billing practices used across most major companies in XXXX. 

I have to pay my bill yet there is no punishment or standard for Nelnet to even get the billing processed correctly. Which is literally their job.
Product: Debt collection

NCC Business solutions is currently stating that I owe them {$520.00} for a debt for an apartment building I never lived in. The only thing I did was submit and application to live at the apartment building and I was turned down. The application for the apartment building was only {$25.00} which I paid at time of application. I am confused to as to why they are stating I owe them {$520.00}. The original creditor/Owner of the debt as acknowledge that his debt is not mine and have made attempts to solve this matter but NCC business solutions has not budge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried twice through the credit bureau to get HSBC of XXXX, N.Y. ( XXXX  XXXX ) to close my credit account. I was sent letters to call an 800 number to close the account. They never pick up, even after a 20 min. wait, then 30 minutes, then 40 minutes. I suspect they NEVER pick up the phone. And why should I call to close my account if they have a letter from me with my signature? Why do I want to close my credit account? Because I do not like the way that they do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX placed Account # XXXX as a charge off on my credit reports; dropping substantially my XXXX XXXX. 
On XX/XX/2022 I contacted XXXX regarding Account # XXXX and reached an agreement to delete this account from my credit file on the XXXX Credit Bureaus XXXX XXXX XXXX XXXX & EXPERIAN ) XXXX I am attaching a letter to support this claim. This letter states that the account # XXXX has a zero balance and no further payments are required. 
On XX/XX/2022, I sent Certified mail to each reporting agencies ( XXXX, XXXX & EXPERIAN ) with a copy of the letter provided by XXXX stating that the account was satisfied and requesting removal from my credit report. 

On XX/XX/2022 my Credit Report showed removal of the Account # XXXX from the 3 credit Bureaus ( XXXX, XXXX & EXPERIAN ) On XX/XX/2022 my Credit Report, shows that account # XXXX from XXXX was placed back on my credit report, stating a balance of {$2700.00}. 

In accordance with the Fair Credit Reporting Act SUNTRUST/TRUIST acct # XXXX the credit bureaus violated my rights with reporting inaccurate information on my credit report accounts.
Product: Student loan

To document the sequence of events we entered an agreement with XXXX XXXX XXXX in XXXX of XXXX to pay {$85000.00} over a period of time, without any judgement processed for the private college loans. I faithfully paid XXXX XXXX XXXX for over two years. Then in XXXX of XXXX the check I sent was returned to me by the USPS with a sticker which read no forwarding address. I called the XXXXXXXX XXXX XXXXXXXX, and it went to a voicemail. I remailed the check to XXXX and XXXX, and it was returned as well. I then called my former attorney who advised me that he thought Patenaude & Felix, APC taken over my contract, but since he no longer represented me I need to contact them to verify this information and find out where to send the payments. He gave me their number and I looked up their address. I am the co signger and person paying the loans. 
I contacted Patenaude & Felix several times without any response. When I finally got through, I was told someone would get back to me. I finally reached someone else and I requested an email. I reached out via email. I have a copy of the email I sent. I called several times asking for a letter or email from them verifying they were the new law firm which took over the payments, without any responses. I asked for the substitution of attorney to make sure I was sending my payments to the correct firm since the letter were returned with no forwarding address from XXXXXXXX XXXX XXXX. I have the original envelopes with the checks showing that in XXXX and XXXX of XXXX the checks were returned.. 
In XXXX and XXXX of XXXX I contacted Patenaude & Felix, APC, and was told someone would get back to me. Now four years later I receive information there is a levy on my bank account and a judgement against us that we were never notified on. This is very disconcerting since I attempted several times in good faith to contact Patenaude & Felix to verify they were the new firm and where to send the payments. 
The bank told me to call Patenaude & Felix, APC about the levy, when we called we were told there was no such case. On XX/XX/XXXX, I went to my mailbox today and found a copy of the bank levy that Patenaude & Felix, APC sent. I made payments two years straight to XXXX XXXX XXXX and would have continued if the checks had not been returned. When I found out Patenaude & Felix, APC was the new firm I attempted many contacts. The first contact I received from their office was the bank levy. No one returned my calls or emails to tell me that you had taken over from XXXXXXXX XXXX XXXXXXXX. I would either like to get a loan to do a settlement or go back on a payment plan, and have this judgement vacated so it will not effect my credit or livelihood. Patenaude and Felix will still not send me anything in writing saying they are now the firm, but they advised they plan to take further action against me if I do not make payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M SICK AND TIRED OF THIS NONSENSE! AFTER I FILED FOR BANKRUPTCY IN XXXX, IT HAS COME TO MY ATTENTION THAT DUE TO A BREACH IN DATA SECURITY, MY INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER HAD BEEN STOLEN ( CIRCA XXXX ) AND FRAUDULENTLY USED! I PAID AURA COMPANY TO HELP SECURE MY INFORMATION. I HAVE RECENTLY BEEN MADE AWARE THAT AURA IS NOT A REPUTABLE COMPANY. THEREFORE, MORE OF MY PERSONAL INFORMATION HAS BEEN STOLEN!!! I WAS INFORMED THAT A CAR LOAN HAD BEEN APPROVED BY A PERSON USING MY SOCIAL SECURITY NUMBER! I HAVEN'T HAD A DRIVER 'S LICENSE SINCE XXXX!!! FURTHERMORE, ALTHOUGH I HAVE SENT ORIGINAL SOCIAL SECURITY CARD ... XXXX AND XXXX XXXX ORIGINAL FORMS WHICH PROVE THAT I HAVE BEEN SOLELY RESIDING AT MY CURRENT ADDRESS IN XXXX SINCE XX/XX/XXXX, XXXX XXXX XXXX XXXX AND XXXX, MY GOVERNMENT ISSUED PASSPORT, MY WORK ID, AND A COPY OF MY BANKRUPTCY STATEMENT XXXX, MY XXXX CABLE BILL WHICH HAS MY ADDRESS ... ALL THREE CREDIT BUREAUS REFUSE TO SEND ME MY CREDIT REPORT!!! I AM A VICTIM OF BOTH CREDIT FRAUD AND THE THREE CREDIT BUREAUS!!! I WILL NEVER BE ABLE TO HAVE THESE FRAUDULENT CHARGES REMOVED FROM MY CREDIT FILE. SINCE MY BANKRUPTCY XXXX, I HAVEN'T ANY OUTSTANDING ACCOUNTS. I DEMAND THAT I BE PROVIDED MY CREDIT REPORT SO THAT I CAN LEGALLY CONTEST THESE CHARGES!!! MY INFO WAS COMPROMISED BY A COMPANY WHICH WAS CONNECTED TO XXXX XXXX. I AM TIRED OF BEING VICTIMIZED. I AM A XXXX MAN WHO HAS BEEN VICTIMIZED ALL OF MY LIFE. I BELIEVE THAT THESE XXXX CREDIT BUREAUS ARE JUST AN AMERICAN EXTENSION OF XXXX.
Product: Vehicle loan or lease

XXXX CFPB over charged me on my care loan over {$300.00} the company did nothing about it
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' 12 CFR Part 1022, sometimes known as Regulation V, mandates that furnishers : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
XXXX - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that errors in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX Late Payment {$0.00} XXXX  XXXX XXXX Late Payment {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Late Payment {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Collection {$770.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$890.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Collection {$180.00} XXXX XXXX XXXX  XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$660.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX  {$950.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX  {$950.00} XXXX XXXX Collection {$710.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Collection {$710.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$230.00XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$970.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Collection {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX$0.00} XXXX  XXXX Charge-off {$6300.00}
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Identity Theft and Inadequate Resolution of Credit Report Disputes Dear Sir/Madam, I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by TransUnion, XXXX, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files.

Despite my efforts, including filing numerous disputes and opening several investigations with TransUnion, XXXX, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my credit score and, consequently, my financial well-being.

The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports.

The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices.

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports.

2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities.

3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a  ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 To Whom It May Concern, I would like this item immediately investigated and removed. This inaccuracy is highly injurious to my credit rating. Furthermore, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of everyone with whom you have verified the above items, so that I may follow up. 

You indicated in your last letter which I included that you received this information from the XXXX XXXX XXXX Georgia Bankruptcy XXXX. I have included a letter from them stating they do not provide this information to the credit bureau. Please send me documentation where you have this information that also shows my social security number or remove this asap. This has already been removed from XXXX, XXXX, and XXXX. 

This belongs to someone with a similar name. 
XXXX  XXXX Bankruptcy Case Number : XXXX