23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> I submitted a dispute with XXXX to remove a collection account that was inaccurately reporting on my credit file. I provided proof showing that the collection had been paid and that the agency had also agreed to remove the account from my profile. On XX/XX/year> XXXX emailed me saying that they had reached out to the collection agency and verified the information as accurate. This is not true because the collection has been paid and the collection agency had also sent an email stating that the account was paid and i provided XXXX with the email from the collection agency showing this. This error committed by XXXX is preventing me from obtaining housing which in return is effecting my livelihood. I am once again requesting that this incorrect information be removed from my credit report As soon as possible as it is violating my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX
Product: Student loan

The Department of Education refuses to be accountable even after being sued! 

In XXXX I received email correspondence regarding my student loans with XXXX XXXX I proceeded to complete the application under the assumption that it was because they are the same school. It was only until XXXX of this year ( XXXX ) that I was told I had to complete a separate application for XXXX and XXXXXXXX XXXX I immediately completed the application for those 2 additional schools. The application I completed in XX/XX/XXXX has been addressed and the loans are in pending discharge status. I have several issues : 1- no one is accountable. The information I was provided initially did NOT guide me te complete an application for each school. In fact, there was minimal information on the website in XXXX  Why are we employing individuals that are not equipped to provide information to borrowers that allows proper expectation setting and less phone calls? 2 : The process is already drawn out and flawed. I don't understand why, if you have already reviewed my loans and you SEE two additional schools that ARE on the list AND there are 2 pending applications, for whatever reason- why not address them all at that time?? Why should I have to wait 3 years? 3 : my last complaint was open and unaddressed for 6 months. When it was closed, the note stated it appeared my issues were addressed. No, they were not as that I have more than 1 issue. They just closed out the complaint. The prior 2 supervisor callbacks also went unanswered. If the department is overwhelmed and can not hire individuals that are accountable, again, I shouldn't receive the penalty for that. The excuse I was given as to why it has taken so long on the XXXX  discharge is because I have multiple loans AND a consolidation. To me, that means someone is having to review and separate the loans SO if that's the case, why can't they review the XXXX and XXXX applications while my application is ALREADY under review? 

I called the Ombudsman line and was basically told that the Dept of Ed is never accountable, the issues that come through are logged, and its basically what it is. There is not a pathway to resolution and essentially I just have to wait on 3 years to pass before my other 2 loans are reviewed and discharged.
Product: Student loan

There is an ongoing issue with requesting a refund. I was never notified of a problem with my request and requesting management intervention has not resolved the issue. Consistent cycle of delays without repercussions but if I was 3 months in submitting payments the student loan company would want to garnish my salary. 

Please do something so this does not happen to others. 

XX/XX/XXXX - student loan company at XXXX agreed to process refund of {$4300.00} which would be return as paid through XXXX to XXXX. 
XX/XX/XXXX - student loan company stated refund was approved on XX/XX/XXXX and would be return as paid through XXXX to XXXX in XXXX weeks. 
XX/XX/XXXX - student loan company stated refund would be received in XXXX weeks, but by mail. 
XX/XX/XXXX - student loan company stated refund was approved, would receive by mail, must be a problem with XXXX. Spoke with XXXX stated there was an error, but could not explain the issue stated would expediate request. 
XX/XX/XXXX - student loan company stated refund was approved XX/XX/XXXX still pending, requested XXXX stated XX/XX/XXXX had a clerical error when request was created she contacted billing and refund would be return as paid through XXXX to XXXX in XXXX weeks.
Product: Credit card

Applied for XXXX XXXX XXXX XXXX credit card on and declined due to Bank of America stating " one or more of your accounts has been included in a bankruptcy or we've received notification of your intent to file for bankruptcy ''. ****There are no accounts included in bankruptcy on my credit report or any intent to file for bankruptcy filed with a federal bankruptcy court.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which resulted in fraudulent accounts being opened in my name after my wallet, containing my ID and Social Security card, was stolen. Additionally, my personal information was compromised due to the XXXX and Equifax data breaches, which likely contributed to the fraudulent activity. As a result, the following fraudulent accounts were reported on my credit file : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX I have provided an FTC Identity Theft Report and a police report verifying the fraud. Despite submitting a dispute to the credit bureaus under FCRA XXXX XXXX ( 15 U.S. Code 1681c-2 ), these accounts have not been blocked from my credit file within the required four-day period.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH CAINE & WEINER. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Credit card or prepaid card

On XX/XX/2023 I tried to get a cash advance from my credit card using an atm machine. The transaction was declined and stated unauthorized request. I didnt thin anything of it until I saw the amount withdrawn from my account in the coming days. I disputed the amount with my bank, and thought it was all taken care of and then saw the charge reappear several weeks later. They said the atm. XXXX  provided proof that the amount was delivered : I have yet to see any proof and I know that the amount was not dispensed as I never received the cash. Ive tried to call the bank on several occasions but each time I am told a new reason why I cant be helped.
Product: Credit reporting or other personal consumer reports

I have been identified as a victim of Trafficking that has resulted in Debt Bondage and affects my consumer report. 
As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.
Product: Credit card

On  X/XX/17   , I went to   XXXX   XXXX   to purchase a couch. I had been planning to purchase said couch with my tax refund, but it had not yet arrived and the couch was temporarily on sale for {$100.00} less. Signs in the  XXXX   XXXX  store were offering no interest credit for 6 months, so I applied for a   XXXX   XXXX   store credit card while physically in the store. Store associates provided me with a laptop to complete the application online. After completing the application online, I was shown a message that I would receive notice of whether or not I was approved in the mail in  5-7  days. I was under the impression that I would be approved immediately. This not being the case, I asked the store to call the company and cancel the application as I no longer had a use for the card. ( I ended up buying the couch with my  XXXX  card. ) The associate was told by the company that there was nothing they could do that evening and for me to call tomorrow. I pho ned Comenity ( the company that administers their card ) t he next da y (   XXXX   ),   and was told they could not cancel the application, to wait until the card was issued, then call and they could reverse everything, including the hard credit inquiry. Today,   XXXX    , I received a letter stating that they needed more information die to the  Patriot Act i n order to complete my application. After being passed from department to department, I was told that they can not cancel the application, but if I do not supply them the requested information in 14 days, the application would stop. However, whether I supply the information or not, they will still be making a hard inquiry into my  credit score. I  feel I was misled from the very beginning and that I should have been able to stop this process long before it reached this point. Furthermore, if they do not have all the information required by the  Patriot Act in   order to give consideration to my credit request, they should not be making inquiries into my  credit score.    XXXX   XXXX   is a great company and I will continue to shop there, but I have serious concerns about Comenity and the other store credit cards that I have under their administration.
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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 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 ) ( a ) 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. Delete the accounts below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax. 
Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax. 
Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax. 
Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax. 
Creditor Name : XXXX, Date of inquiry : XX/XX/year>, Equifax.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$190.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$350.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This company charges very high interest! XXXX is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law. This company is guilty of usury. The company removed interest in XXXX however XXXX was paid and the interest only interest was dropped. 
The company needs to stop charging abusive interest more than what was borrowed. 
At the moment, the legal maximum for credit debt in South Carolina is 8.75 %. AF24/7 Charges 279.50 % APR. They also charge You will be charged periodic interest and the Customary Fee from the date of each transaction.
Product: Mortgage

On XX/XX/2018 a dispute letter was received by Rushmore Loan Management Services in regards to the reporting on my credit reports. I had ask for evidence of there authorization under 15 USC 1692 ( e ) and 15 1692 ( f ) also authorization of law for there collection information also evidence of there authorization to do business or operate in the state of Florida also proof of the  debit that they say I owe with my signature and lastly proof of a complete history including any charges added for collection activity that arrived to the balance that I owe. I received A response on XX/XX/2018. Under the Fair Credit Act, you must respond by 30 calendar days.I then responded to there response that they receive on XX/XX/2018 and got a response onXX/XX/2018, which they stated they have 30 business day to respond which is incorrect by the Fair Credit Act. They must follow and abide all rules on the Fair Credit Act and must remove the debit because they did not respond in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint number XXXX, XXXX. I previously submitted a CFPB complaint on XX/XX/22 and I have not gotten any correspondence back from XXXX as it pertains to the investigation results. This causing me to suffer financially as I am not able to get financing and or favorable interest rates. This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It 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. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date last active not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a long banking relationship with XXXX XXXX. I had a credit card for about 10+ years, IRA and many bank accounts. I ended my banking relationship with after they allowed XXXX to steal {$1500.00} from mine and my son 's account. I opened a new checking account with XXXX. I continued to make cc payments through that XXXX accnt monthly. XXXX & XXXX paid XXXX with XXXX XXXX. They actually closed my credit card which I was like fine. I will pay if off. I made a large phone payment through my XXXX account in XX/XX/XXXX XXXX. I had a small balance after of XXXX. I logged on to make payment and the XXXX account I was using wasn't in the system to make the payment. I tried to add the account and they created they verification system where they said they needed to deposit into my account and I needed to check my checking account several days and come back. All that garbage which is just ridiculous. I Didn't have any issues with the large XXXX payment and all previous payments why did they create additional steps. XXXX XXXX reported me late for missed payment. Other creditors picked up on the late and they reduced my business credit card that I use for my business due to XXXX XXXX Negligence.
Product: Payday loan, title loan, or personal loan

Received a call from an attempt to locate from XXXX XXXX is the name that popped up on the caller ID. Stated it was concerning the Cash Store about a loan obtained in XX/XX/2013. The state of Texas has a 4 year debt collection limit and it is way past that. They threatened to take legal action. Wanted an out of court settlement. I stated to the caller about the debt collection time limit and hung up. I did not verify any information. Last payment on this was made XX/XX/2013 in the amount of XXXX. I paid them a total of XXXX.
Product: Debt collection

I respectfully ask for your cooperation in deleting the late payments that were noted from my account history. I cherish my good connection with the Creditors and pledge to make sure that future payments are made on time and with more consistency. 
XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative . 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inaccurate information on credit report and havent received any results nor communication
Product: Debt collection

fradulent acts were invloved using my credit, accounts were put into my name and later charged off for me to pay
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, we should remove any incorrect accounts from my credit report. Can you please check the documents? There are inaccuracies in the reported accounts, including amounts and dates.
Product: Debt collection

This is a collection agency that I have never entered into any type of contract with. The original account was opened by someone else and the original creditor has been contacted. I have zero business relationship with this company. I have also contacted them on two accounts asking for a validation of signature to prove my contractual relationship with them. They have reported this inaccurate information to all XXXX credit bureaus and it has impacted me financially. I want to save court as the last resort, however, I will take that route because this error on my credit file is costing me a lot more money due to increased interest rates and such.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are not authorized inquiries in which the company does not allow you to dispute the inquires online and when calling your turned away by the rep. the following items are not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I believe this debt is fraud, not my account or was opened fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advise this company that I have never had an account with them. Their first investigation states that I was staying at an address were items were delivered and I have provided my signed lease to the address of the home that I was leasing at the time this fraudulent account was opened. I have never at the address that they provided. I have asked them to sent me any online application if it was done online and any store video if this was done in store. They stated that I made payments on this account with my bank account when in fact I didnt have a bank account. I have never in my life had a bank account. I advised them to send me any proof of a bank account with my name & they advised me that I had XXXX. I have never had XXXX. I contacted XXXX and they was not about to find an account with my name attached to it. Any bills that I pay, is always paid in cash or money order. I have asked them to send me receipt of payment showing paid in cash or by money order and they have failed to do so. I filed an appeal more than 45 days again and havent hear back from them.