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 USC1681 Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX I looked on my Transunion Credit Report on XXXX XXXX and i noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to insure maximum possible accuracy of the information concerning the individual about whom the reporting relates to 15 USC 1681 ( e ) ( b ) And According to 15 USC1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) In General If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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: Debt collection

A woman by the name of XXXX XXXX has repeated called my family members asking for me after being asked to stop. On XX/XX/XXXX, XXXX XXXX left a voicemail on my family member 's cell phone ; however, she never identified herself as a debt collector. On XX/XX/XXXX, XXXX XXXX also contacted another family member by phone at their place of employment. XXXX XXXX contacted me today, XX/XX/XXXX from an " unknown '' number. She did not identify herself as a debt collector. Upon asking for her company name, she stated " Lakeside Receivables ''. These calls from XXXX XXXX have been happening since late XXXX. They either call from different phone numbers or blocked numbers to disguise themselves. I have no debt with Lakeside Receivables and ask that they be sent a warning letter to cease all contact to me and any of my relatives, former or current employers, friends and associates. 

Phone numbers associated with these calls from XXXX XXXX of Lakeside Receivables are : ( XXXX ) XXXX ( XXXX ) XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts and inquiries were not authorized by me and must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$440.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX - XXXX - XX/XX/XXXX - {$4300.00} The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I am writing to formally express my concern regarding the recent breach of privacy involving the Department of Education, which reportedly allowed unauthorized access to sensitive personal data, including Social Security numbers. As a federal student loan borrower, I am deeply concerned about the potential risks of identity theft, financial fraud, and long-term consequences resulting from this breach. 

Given the severity of this violation and its impact on borrowers like myself, I request immediate action to remedy this situation. Specifically, I am seeking the discharge of my federal student loans as a form of restitution for the mishandling of my private information. At the very least, I request that all collections and interest accrual be halted while this matter is investigated. 

I would appreciate a prompt response outlining the steps your office is taking to address this issue and any available options for affected borrowers. Please advise on how I can further protect my financial interests given this breach. 

Thank you for your time and attention to this matter. I look forward to your response. 

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

I disputed this with the company DUVERA many of times and A FEW DAYS AGO with CFBB. DUVERA 'S response is they " don't have an account number ''. It's listed on my report, ( ALL 3 CREDIT AGENCIES ) as ACCOUNT NUMBER XXXX with a {$3800.00} BALANCE. I've been reaching out to all three credit agencies and the collection agency since XX/XX/year> asking for 30day verification of this debt else removal. I asked them to provide me with the following information : 1. The amount of the debt : A detailed breakdown of the amount you claim I owe, including interest, fees, and any other charges. 2. Proof that the debt is mine : Documentation showing that I am legally obligated to pay this debt and the original creditors name. 3. Evidence that the agency has the right to collect this debt : Please provide proof that you are authorized to collect on behalf of the original creditor or that they have purchased the debt. 4. Details of the original transaction : A copy of the original contract or agreement showing my signature, and any supporting documentation to substantiate the claim. I filed a previous claims with CFBP at the FTC. My wallet was stolen in XX/XX/year> and a few years prior as well.
Product: Debt collection

He called me at my work. I told him I am not able to take these phone calls at work. 
I told him my work hours and he can call me on my cell phone, before or after those hours. 
He has now contacted me again, at my work, as well as calling my personal cell during my work hours he was provided with. 
He continues to be rude, and very ignorant about working with me, even after I ask set up payments with him.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 we moved out of XXXX XXXX XXXX XXXX from XXXX CA. We disputed the final settlement amount in XXXX XXXX small claims court. We paid the disputed amount in full directly to the XXXX XXXX XXXX homes after court ruling. Please see the supporting documents which shows no dues. However, Fair Collections & Outsourcing ( FCO ) reported a collection account to credit agencies and later marked it as paid in full. We never interacted with FCO or paid anything to them. The account is closed by the apartment company satisfactorily and we still live in another apartment with the same company. 
I tried to reach out to FCO to resolve this but they were very unprofessional and absolutely denied to look in to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked online on Experian site ( Member ID XXXX ) and it said I have 1 late payment ( 60+ days ). I requested my credit report and it shows that all my accounts are current and I have no late payments. I called Experian and they confirmed that I don't have any late payments. Representative I spoke with said he'll send an email to their technical department to look into it. Because it is clearly a computer error. It is been a month and nothing is fixed. 
Please, look at attached images. This is screenshots from Experian website. 
It shows I have late payments but my reports has none.
Product: Credit card

XXXX XXXX, 2013 bought TV at Best Buy - salesman offered Best Buy card. Told him did n't want credit card - he said only {$25.00} a month. Also bought a few small priced items, all of which no longer work. Recently BB charged me XXXX of dollars of interest on bill which was previously at {$2000.00}. Payment changed to {$75.00}, and now, they added hundreds of $ $ more in this month, payment charged to {$90.00}. Contacted by email first, said it was my understanding only {$25.00} and I was clear could n't afford more. They said pay them {$440.00} right away and they might " adjust ''. Went on live chat, said I do n't have it, and I can only afford $ XXXX/month. Best Buy rep then startled me by saying reason : I had n't paid Any payments on time. This is false. I pay ALL my bills, on time, and always have which my credit history shows. I asked him to email me the credit reports, reporting me late ( and how could I make other purchases ). Asked him 3 times, refused to answer, then said I should contact dept deals with XXXX and I would have to prove it?! I repeated request for his evidence and again gave email - Best Buy wo n't answer up. I am desperate for help because they are going to continue to add XXXX of dollars of interest each month and keep escalating month payment demands. I think they 're charging something close to 30 %. The TV I bought is now sold for about {$200.00}. The other small items might amount to {$300.00} in total. They have now escalated bill to {$3000.00} and continue to make it impossible. They are going to ruin my credit as there is no way I can pay these amounts which I question as legal. They have NOT reported to the credit bureaus in the last 2 years - not surprising since I never miss a payment or pay late. I am a senior citizen, recovering from surgery, and my wife is also a senior citizen, XXXX. I am totally willing to pay what I promised, and what was promised to me by Best Buy salesman - $ XXXX/month and with a balance capped at the original {$2000.00}. I feel like Best Buy is fraudulently duping senior citizens and not sure if this is even legal. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have already contacted several of the companies. There are repeated inquiries on my report for the same day, same week, and same month. I have over 80 inquiries. I did not authorize the inquiries on my report. I have placed a fraud alert on my reports to stop this from moving forward. Apparently someone is trying to get credit in various ways using my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted JQF Lending, Inc. and applied to refinance my mortgage in early XXXX. My rate lock expired on XX/XX/XXXX. From early XXXX to XX/XX/XXXX interest rates rose dramatically. In late XXXX and early XXXX JQF Lending, Inc. began to request additional documents that were superfluous. It was an intentional delaying tactic. On XX/XX/XXXX they had contacted the insurance company that I insure my home with to change where my renewal premiums were to be sent. It proves that they had already approved my mortgage. On XX/XX/XXXX they sent me a new set of closing documents and added {$380.00} of points. I told them that was unacceptable. After XX/XX/XXXX they again asked for superfluous documents. Today, XX/XX/XXXX they sent me a new set of closing documents that added an additional {$540.00} of points to the {$380.00} they had previously attempted to extort from me. They clearly do not want to do this loan. They should not be allowed to continue in this business.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumer report and I have found that there are violations contained in that report. There transactions being reported as late on some accounts. This is not allowed by law. More specifically the following section of the law states that 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I explain these things more in depth in a statement that I will attach to this complaint.
Product: Credit card or prepaid card

I have never prior to last month submitted a complaint to the CFPB asking for Discover Card to finally response to my many written requests for a credit limit increase. The CFPB has proof of this. 
Discover Card fraudulently responded, that they have already addressed this, when they did not, and they could not. It is impossible to address something before it occurs, absent time travel. 
The CFPB has access to Discover Cards enraging wicked, prior responses, which prove that Discover Card has never addressed a credit limit increase before, and that their claiming otherwise is completely fraudulent. 
Discover Card is fully aware that I do not have, ( nor want ), their app, nor do I have a phone to download their app to. Discover Card continues to discriminate against me for not having a phone. Not having a phone is legal, discrimination is not. 
Discover Card has no legal basis to refuse to communicate with me in writing, let alone repeatedly. 
But Discover Cards refusing to communicate in writing is a huge red flag, which speaks volumes about their complete and repeated, lack of integrity. 
First rule of business, get it in writing. 
Second rule, anyone who will not put it in writing, is deceitful.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX . Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS.
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 USC 1681. 


1.XXXX bank # XXXX has violated my rights. 

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

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681 c ( 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX  Dear XXXX XXXX XXXX XXXX XXXX, GA XXXX I, XXXX XXXX, have written this letter to dispute the inquiry reported on my credit file dated XXXX XXXX XXXX by ONEMAIN Financial. I have not authorized a hard pull by this company. that is falsely listed on my credit report. 





I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS, I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 



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

Thank you for correcting some of the errors in my credit information. However, there remains an account that needs to be addressed and removed. This new complaint concerns incorrect information in my credit report. The account I am disputing is unrelated to any transactions for goods, services, or money that I have made or authorized. Please remove the erroneous items from my credit file due to these inaccuracies. The specific items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2020 until the current date of XX/XX/2020... XXXX, XXXX XXXX  Equifax have continually made erroneous reports of late child support payments on my credit report with inaccurate dates without my permission hurting my credit report.
Product: Credit reporting or other personal consumer reports

I am currently disputing the XXXX XXXX XXXX account the is being reported on my Experian consumer report but Experian has yet notate the account with 'investigation in progress. ' On XX/XX/year>, I spoke with an Experian customer representative and told them that they have not noted the account with 'investigation in progress and not doing so is against the Fair Credit Reporting Act. ' I have attached files to this complaint to show that Experian is not adhering to the laws of the Fair Credit Reporting Act
Product: Debt collection

Amsher called many times. I told them my insurance company was resubmitting the claim, because the insurance company had made a mistake. They didn't care. XXXX and XXXX were rude and belligerent to the point of bullying. I am a XXXX veteran and it took me a long time to get over the phone call. I then called my insurance company and found out the bill had been paid to the provider. Something has to be done to stop these people. They are out of control.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.
Product: Debt collection

Good morning, I had a XXXX  and a XXXX  done on XX/XX/year> at the XXXX XXXX XXXX. The day before going to get the procedure done, the finance department of the hospital explained to me that the colonoscopy was going to get cover in full by my insurance, but not the procedure for my stomach. They explained that I need to paid the difference before going in on the next day. I paid by credit card almost XXXX dollars for the difference to cover the procedure. After a few months I received a bill for the same procedure and I replied and explained that I already paid, and that I have the charge on my credit card. and I never received another bill or explanation that I still owed anything. 
Yesterday I received on the mail a letter from a debt collector for XXXX, and I want to dispute this charge. I think is abusive and excessive what they are charging me now. I don't have that amount of money, and I would like to get this resolved as soon as possible. 
This is the reference number on the letter received : XXXX Thank you for your time with this matter. 
XXXX XXXX
Product: Credit card or prepaid card

XXXX credit card stop sending me monthly statements about my credit card more than a year ago and they started to charge me late fees of {$35.00} each month even though I was making monthly payment. 
when i opened the credit card with XXXX, I requested to receive the monthly paper statements only via postal mail. 
XXXX intentionally decided not to send me monthly paper statements so I will not know the due date and they can charge me late fees each month. 
XXXX knowingly engage in fraud by retain monthly statements in order to charge me late fees charges of {$35.00} each month. 
I have never authorized or agreed to receive monthly statement by any other mean than paper statements via postal mail. 

When realized that I was been charged monthly late fees for over a year, I asked Mr XXXX XXXX, the XXXX manager to remove all the late fees charges since I could not know when the monthly payment was due without a statement. He agreed that it was XXXX mistake and he could only refund XXXXne month out of more than twelve month. 
I told him that this was not a fair and satisfactory resolution for me and I decided to close my account with XXXX and told him that i will not paid the balance of {$940.00} until the fraudulent late fees are removed.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX : {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is now obvious that the three credit bureaus, Experian in particular, has a scheme to drive down credit scores so that it can create revenue with high credit risk lenders. I will be contacting my attorney to file a class action law suit.

1. I have sent them 2 letters from XXXX showing that they have removed a bankruptcy. The response from all three credit bureaus is that they don't have to reinvestigate.

2. XXXX and XXXXy 's XXXX  have charged off accounts back in XX/XX/XXXX and every month thereafter is reporting thirty days late. It is against the law to write off a debt and then proceed to report negative entries. 

3. XXXX XXXX Accounts were not disputed and were good credit tradelines and was removed from my file by all three bureaus so that my score would stay low. 

4. XXXX XXXX XXXX and XXXX XXXX were removed and then put back on my credit report. XXXX was never late and XXXX XXXX was never late, but yet still on my credit report. 

5. I have disputed the inquiries and was told by Experian that I must deal with the people who put the inquiries on there.
Product: Credit card

My PayPal account XXXX was closed in XXXX due to fraud. Although the associated PayPal Credit account still remained open, I could not access it online because the only way to access it was through my PayPal account, and my PayPal account has already been closed. 

This morning ( XXXX XXXX ), I received XXXX emails saying " You have new transactions on your PayPal Credit account ''. Because I don't have access to the account, I realized immediately that these were fraud transactions. I called customer service immediately. However after XXXX phone calls to talk to different customer service agents, I am still not sure if my issues have been resolved. They communicated very badly, and every time I talked to them, they were telling me different information. To summary, I have XXXX concerns at this point : XXXX. Dispute all transactions made on XXXX XXXX, since they are all fraud transactions. 
XXXX. Close this PayPal Credit account. DO NOT open any new PayPal Credit account under my name. 
XXXX. For the credit balance on my account ( {$140.00} I believe ), send a check of this amount to my mailing address. 
XXXX. Every month, I have a {$160.00} automatically scheduled payment to my PayPal Credit account. I need to cancel this auto pay since I don't want to keep overpaying my account.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate and/or false information that has been repeatedly reported on my credit file. I have a documented history of filing disputes, including direct reports through the Consumer Financial Protection Bureau ( CFPB ), yet the incorrect information remains, causing ongoing harm. 

Despite multiple disputes, this issue has not been properly investigated or resolved, which constitutes a violation of my rights. I request the immediate removal of this inaccurate information. Failure to address this matter appropriately may result in further action. 

Please confirm receipt and provide a written response detailing the corrective measures taken.