23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. LexisNexis is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX and XXXX XXXX  XXXX - BALANCE {$15000.00} - CREDIT LIMIT {$10000.00} - Incorrect Balance being report, and high credit utilization disclosed and 30 day late payments ( XXXX - XX/XX/2023 ), XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX are violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments ( XX/XX/2023 - XX/XX/2023 ). They have violated my consumer rights multiple times. I demand a reinvestigation of the account ( s ) in question and modified and updated correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The credit bureau are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission and 15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-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. ( B ) Reporting information after notice and confirmation of errors.
Product: Mortgage

I sent a money order for the mortgage payment that was due on XX/XX/XXXX and mailed it to them on XX/XX/XXXX along with the bill they sent me in the envelope they provided for me to send it back to them in. They received it and cashed it on XX/XX/XXXX. I provided them proof of the money order with the endorsess signature on the back showing it cleared on XX/XX/XXXX, ( attached ). Their agent XXXX XXXX verified this on a phone call with me on XX/XX/XXXX at XXXX XXXX. He said that they did receive it on XXXX XXXX and it was processed through on XXXX XXXX and that they had all they needed to address the situation for me. 
They are now Billing me and calling me and basically harassing me for another payment to replace that one because they are now telling me they can not continue to research the payment unless I can send them a copy of the money order with their deposit stamp on it, which I can not because it doesnt have their deposit stamp. It merely has someones name who endorsed it at one of their offices that it was mailed to in the envelope they provided for me to mail it to them.
Product: Credit reporting or other personal consumer reports

There are late payment inaccuracies on my credit report that dont align with my payment record. Please resolve these and update my account information. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trasn union and XXXX  and XXXX regarding some charge offs and Bankruptcy on my credit report on XXXX. XXXX, and to this date XX/XX/XXXX, i have NOT RECEIVED ANY REPORTS OR ANSWERS TO MY DISPUTES. The 2 bureaus have not responded at all. this is a violation of the FCRA. XXXX is the only one who removed the inaccurate information. the reporting of this is also untrue. 
the date of last activity, date of last payment and payment is all wrong Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Unauthorized multiple credit inquiry placed on credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Student loan

Violation of FERPA and the Privacy Act, when XXXX XXXX and his subordinates infiltrated the XXXX XXXX XXXX XXXX and Department of Education computer system on XXXX XX/XX/year>. I demand immediate investigation into this matter, as my loan servicer and the Department of Education are responsible for ensuring the security of my private data. If my rights under FERPA and the privacy Act have been violated, I expect appropriate legal and financial remedies including potential loan forgiveness for contract breach. I expect this to be resolved in a timely manner.
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 my bill for XXXX dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a rental property and, they used Transunion and XXXX to complete a tenant screening. The credit agencies included false criminal information in my record that didn't belong to me. There were multiple cases that weren't mine, the people that were involved shared the same name as me. This type of confusion causes a lot of problems when applying for rental properties and etc.
Product: Debt collection

I requested a verification of the debt they are trying to collect I already Sent 3th Verifications of debt letters today I ', m sending the 4th validation letter.And I never receive any Validation of the Debt Isent, FAY SERVICING LLC is trying to collect a debt I never engage with them they are trying to collect a debt. I dont Owe I never have any kind of business with FAY SERVICING LLC conpamy thewrefore I need your help. 
see attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX and myself! Please send the proper validation
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax must read this complaint and respond accordingly, otherwise a lawsuit will be filed. 

This must be addressed immediately. The other two major credit bureaus ( XXXX and XXXX ) have correct information but Equifax continues to exhibit laziness in addressing the issue. 

Equifax has wrongly updated old student loan accounts to include new missed payments when these student loans have been CLOSED for about a decade and should not even be on the credit report at all. The date of first delinquency is well over 7 years ago. Not only should there not be recently missed payments, but they should be removed from the entire credit report by now. 

The following closed student loan accounts are all over a decade old yet keep reappearing on my credit report as new missed payments for each month. Equifax has refused to correct this issue and remove these accounts, rather they keep adding new missed payments even though they are closed. According to the FTC, they must be removed as they are too old to be on file. Remove these from my XXXX credit report immediately. U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX U S DEPT OF ED/GSL/ATL Date Opened XX/XX/XXXX Fed Loan Servicing Date Opened XX/XX/XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Fed Loan Servicing Date Opened XX/XX/XXXX Fed Loan Servicing Date Opened XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received at hit on my credit report for collections. I was never made aware of a payment due. I immediately disputed with XXXX credit bureaus at took a loss or XXXX points on my credit. I pay all my bills on time and this put me in a bad place. I paid XXXX company {$370.00} they said there was discrepancies and could get this off my credit XXXX XXXX. I think I was scammed so I requested my money back and they have not provided. I called the company that reported and left a voicemail, to no avail has anyone responded. I then called the right collector National Credit systems and they are not responding.
Product: Money transfer, virtual currency, or money service

Venmo Personal account base and business account ( XXXX XXXX ). Application does not allow account deletion for business account. Business account must be deleted by Venmo customer service prior to deletion of personal account. Personal account can allegedly be deleted via app after business profile has been removed. 
Although app reflects business account has been removed, application cites business account must be removed first. Venmo customer service is no longer responding to assist in the account closure.
Product: Checking or savings account

XX/XX/XXXX : I deposited a life insurance check to cover my mother 's funeral cost. I noticed that the deposit was not listed on my account so I called NFCU Customer Service and asked why the funds weren't showing as deposited? The Customer Service rep stated " the deposit is reflected internally, and that a portion of the funds would be made available on Friday XX/XX/XXXX and the remained would be released on XX/XX/XXXX. I asked if I had gone into the branch verses the ATM deposit would that have made a difference in the availability and was to told it would not. 
On XX/XX/XXXX when no funds had been release I called to see why my insurance check for my mother 's funeral was not release and they said " Security put a hold on the check and they won't be in until Monday. '' Today Monday XX/XX/XXXX in an online chat I was given several reasons on why a check would be placed on hold however NONE OF THE REASON PERTAIN TO MY DEPOSIT. My deposit is less then the amount that would cause a hold, my account has never has a returned check, and the check that was deposited was an insurance check from a major corporation not a personal check from an individual 's account and there was nothing about my deposit that fits the NFCU 's reasons for placing a hold on a check. Also, the {$220.00} is not showing as deposited to into the positive balance of my account which leads me to feel like the NFCU is attempting fraud against me as a customer. I also requested a transcript of the chat conversation and the request was denied and during the chat I was abruptly kicked out of the online account. Once I logged back into the account I was advised that the check will possibly be released on XX/XX/XXXX but could still be held if NFCU deemed it necessary. This is unfair treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that are unfamiliar ; that I did not perform credit checks for. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is the second complaint about this company as they have reported the same account on my credit report TWICE! They tried to be slick and posted it my credit report with 2 different account numbers. however this account is showing as paid ontime and closed in XX/XX/XXXX. Since I do not know who is the vendor, I consider this debt to be fraud. I have placed a fraud alert on all 3 of the credit reports and have also gotten a XXXX account. I have been unable to get the vendor to provide written document with my signature on it verfying the debt, yet they manage to report this data monthly! I need assistance in this matter.
Product: Credit card or prepaid card

I applied for a XXXX XXXX card. The company says the card is my father 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX  : # XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

The credit card company, set a past due amount, when I had paid the account in full. The bill me for yearly, credit card protection with out notifying me of the new balance. The past due fees were cancel and dismissed by the credit card company after being notified by me. I disputed the past due in my credit report, but it was never deleted.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX, I transferred a total of {$2000.00} through XXXX that is backed by my bank, PNC bank. 

It turned out that it was a scam and when I went to PNC Bank to report the fraudulent transaction, they told me that there was virtually nothing the bank can do and for that matter, XXXX as well because it was a peer to peer transaction. 

However, I believe this to be an unfair practice because the website for each entitty, does a poor job in disclosing what type of fraud transactions it will protect and not protect. The one thing each entity does well is make a consumer feel that their transactions are very secure since they are backed by the bank ( s ). 

At some point, the banks need to be held accountable for this unfair and deceptive way of advertsing in this virtual world of financial transactions. 

XXXX should be investigated and be held accountable as well cause they have a weak security system, making it very easy for scammers to steal money from victims.
Product: Debt collection

I am writing to file a complaint about an unresolved debt of {$1300.00} reported on my credit report, which is the result of an error caused by a service agreement between XXXX XXXX XXXX XXXX XXXX XXXX In XXXX, I ported my phone number from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated XXXX XXXX XXXX  would XXXX XXXX XXXX remaining balance with XXXX on my behalf. This balance was {$1300.00}. I was informed by XXXX XXXX XXXX that the payment would be processed directly, and no further action was needed on my part. Despite XXXX & XXXX assurances, XXXX has XXXX the {$1300.00} was unpaid, and has since appeared as a negative entry on my credit report. I have attempted to resolved this matter by contacting both XXXX XXXX XXXX and XXXX XXXX but my efforts has been unsuccessful.
Product: Credit reporting

I am filing a complaint with your agency because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Now that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

The unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit card or prepaid card

Reference earlier complaint # XXXX. 

On XX/XX/2020, at approximately XXXXXXXX CT, I received a phone call from a Restricted number with a Rep. named XXXX on the phone from Amex. She offered to immediately transfer me to an American based supervisor. 

A unnamed " supervisor '' from N. or S. Carolina responded. At this point she attempted to ascertain the problem. I advised of my earlier interaction with the mobile app and customer service. I also advised her of the CFPB complaint. 

She then proceeded to blame me choosing the wrong card. I advised the app did not provide the option nor was I ever asked. She then asked me what date I did the Credit Limit increase. I informed her that was the point of me contacting Amex was to find that out ... .. 

During the next ~13mins of the call, I was blamed multiple times for not asking the right question or giving certain specifics. I advised I dont work for Amex and therefor I dont know what they require unless they ask. Amex never asked any clarifying questions.This occurred several times during the call. 

At this point, I feel the purpose of the call was simply to harass and belittle me. I then requested the date of the Credit Limit increase in writing. The request was declined. 

I advised I would file another CFPB complaint and the Supervisor then tried to tell me how CFPB was going to respond. I simply said she can not speak on behalf of CFPB and she ignored my statement.
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. 

XXXX 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Someone has been applying for credit cards with XXXX Bank, Wells Fargo, and XXXX. All of the applications were denied. However,. 
Thanks
Product: Debt collection

This was never sent to my insurance company. I have a primary insurance ( XXXX ) and a secondary ( XXXX XXXX ). I had XXXX and the and the XXXX sent the bill to my insurances, but XXXX did not submit to my insurance.
Product: Credit reporting or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX