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

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized that people 's bank accounts have gotten hacked and i've been getting weird calls and text messages regarding XXXX. I didn't realize that they used my credit card and maxed it out completely until today. This has affected my credit report tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between  XXXX   XXXX  and  XXXX  this collection has been taken off my report and placed back this is not the first time. I was able to screen shot it this time. I have not signed any contract with this company and I feel it should be removed from all my reports as it has and been put back on I feel that this is unfair to remove items and place them back
Product: Credit card or prepaid card

I had a credit card with XXXX. I was late on a few payments so they closed my account. Ive since been paying the monthly payment due on the closed account. The account was closed by the guarantor for over 6 months now. In XXXX, they charged me a yearly fee of {$49.00}. This is fraud. How can I be charged a yearly fee on a card that has been closed and not in use?
Product: Credit reporting or other personal consumer reports

Experian has failed to properly investigate my credit dispute, violating the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I submitted a dispute regarding an incorrect account on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my dispute, Experian refused to remove the inaccurate information and provided no explanation of how they verified its accuracy. On XX/XX/year>, I received a notice stating that the account would remain on my credit report. 

Experians actions violate FCRA 611 ( a ), which requires them to conduct a reasonable investigation of disputed information. Additionally, I have the legal right to request the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), yet Experian has failed to provide any details on how this account was verified. 

This incorrect account is negatively impacting my credit score, and Experians refusal to properly investigate or remove inaccurate information aligns with recent allegations made by the CFPB regarding their failure to handle consumer disputes appropriately.
Product: Debt collection

I had a old debt that I was unaware about. Not on my credit report or any communication by mail. Not until my employer told me in XXXX I had a wage garnishment. I had to pay {$100.00} a week begining roughly XX/XX/2020 to XX/XX/2020, when it was fully paid and settled. Than in XXXX, I get notice my state taxes are being held for a wage garnishment from this same debt with Stenger & Stenger law. I immediately contacted the state, they needed proof it was paid. I sent them everything but since I didn't  have the official court copy showing the judgement was paid in full they couldn't release it. I contacted the law office by phone & email as well requesting this. The XXXX district court even tried contacting them as well. Weeks turned into months & the state income withholding unit sent my money to the law office. I paid this debt twice. I've been extremely patient with them. I struggled to provide for my family for almost 3 months paying this back through a wage garnishment. I waited for my state income tax return that was held for months. Than they send my tax return to pay again for this debt. Another 3 months of trying to contact the lawyer with no calls or emails back. This law office got my money twice for 1 debt. I deserve to have my money back.
Product: Consumer Loan

This was for a XXXX bill in Nevada, which I believe the Statue of Limitations has ran. I received a call at work from XXXX with Avante USA XXXX XXXX, 2016 at approximately XXXX about the XXXX bill. I immediately told XXXX not to call me at work, I 'm not allowed to take personal calls. I told her I would call her when I got out of work or on Monday. Monday XXXX XXXX from Avante USA called me at work again. I called her on my break and told her she violated FDCPA and that carries a fine. I then spoke to her supervisor and told him the same thing.
Product: Credit reporting or other personal consumer reports

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  XXXX Depted XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602 A states I have the right to privacy 15 U.S.C. 16815-2 ( 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. 

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed below from my credit report, pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). As a victim of a recent data breach, I have confirmed that I did not open these accounts, nor did I authorize these inquiries. I kindly ask that these accounts and inquiries be expeditiously removed from my credit report. 
Fraudulent Accounts Please block and delete the following accounts from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE THIS ACCOUNT!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX NA DATE XX/XX/XXXX XXXX XXXX NA DATEXX/XX/XXXX XXXX XXXX NA DATE XX/XX/XXXX XXXX XXXX NA DATE XX/XX/XXXXXXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XXXXXX/XX/XXXXXXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XXXX XXXX XXXX DATEXX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX
Product: Student loan

After applying for the XXXX repayment plan and being approved on the studentaid.gov website my nelnet account went into a repayment status of " XXXX XXXX XXXX ''. This appeared to be a processing period for them to calculate my new payment amount. After this period ended my nelnet repayment status was set to " Standard Repayment ''.
Product: Credit reporting or other personal consumer reports

I have found two complaints in the CFPB database that closely mirror my issues with Experian. The complaint IDs are XXXX ( received on XX/XX/year> ) and XXXX ( received on XX/XX/year> ). 

This agency is in violation of 15 USC 1692g, which mandates that I should have been notified in writing five days prior. I did not receive such notification. As the original creditor, only I have the authority to validate this debt, and I do not validate it. Therefore, the following accounts must be deleted from my credit report immediately. I am filing this complaint on my own behalf and not for anyone else. I also request that you correct and update the incorrect personal information in my credit file and send me the most up-to-date version of my credit report. 
This letter concerns the accounts listed in your report, which you claim represent debts. I am disputing these claims yet again after multiple attempts to resolve the issue, without any satisfactory outcome. These false and fraudulent reports are damaging to me as a consumer. Once again, I am requesting validation in accordance with the Fair Debt Collection Practices Act. I am specifically requesting validation, meaning I need to see competent evidence, bearing my signature, proving that I have ( or ever had ) a contractual obligation regarding these debts. 
Please also be aware that any negative marks found on my credit reports, placed there by your company or by any company you represent, for debts that I do not owe, are violations of the FDCPA 807 [ 15 USC 1692e ]. If you are unable to validate the debt, you must instruct all credit reporting agencies to delete the entry. 
Pending the outcome of my investigation into any evidence you provide, you are instructed not to take any actions that may further harm my credit reports. Additionally, you have caused me harm by committing : 1. Defamation, 2. Negligent Enablement of Identity Fraud, and 3. Violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

For the purposes of 15 USC 1692, this notice serves as a formal dispute to the validity of the alleged debt and your claims. This notice is intended to correct your records. 
Accounts to be Deleted : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

Central credit services licence expired and they should not be trying to collect a debt from me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion 5 or 6 different times and I am fed up. I sent them my FTC report I also sent in other letters I also sent them id to verify whom u was. they actually was on a call with me last week for almost a hour from me complaining because instead fixing what Ive sent to them they accidentally deleted information on my report that was legit that I NEVER once asked them to. The rep even got back on the one and said how sorry he was because he can see that I NEVER DID ask them to delete the inquirie that they did and he was sorry but their mistake could have ruined a good standing account for me because of THEIR mistake. I have sent my ftc report and letter endless to them. I have contacted police but they told me without a name cant do anything to contact credit reporters which I have. XXXX  and XXXX both have been great but trans union havent done nothing with what I have sent them. I would like for them to process my FTC REPORT AND delete the inaccurate information I have listed AND ONLY the information I have listed on ftc report and not make any more mistake and they are not giving me my rights and asked me for my FTC report I sent it and now they have done nothing. I have for the last two or so months been trying to get transunion to help me with this and I have sent all paperwork to them and my ftc report a few different times and still NOTHING HAS BEEN done and they even responded to my last complaint that it would be done and still has not followed my rights and followed threw on their response to do as they said and this is information that is inaccurate and not mine and needs to be DELETED
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX MY University notified me that I was approved for the XXXX grant- these grants were not supposed to be registered as loans and they have added thousands of dollars inaccurately to my overall debt on my credit report. 

I am also writing because an unverified innacurate Collection form XXXX is still showing up on my XXXX account even though the other bureaus have already found fault in reporting and removed it. What does XXXX have to verify that this account is accurate when I have been diligent in supplying them ample evidence that this account is clearly being inaccurately reported against my FCRA rights! 

And A chargeoff from XXXX that is not being reported accurately. How can a charge-off/collection also show that I paid my account on time? How does a consumer get such a major derogatory item on their credit report but yet it's reported I was paying my bills on time, every month? I have been sending in disputes for over a year and the bureaus have failed to explain how this account is still being able to be reported. It is Clearly a major violation of my FCRA rights!! 

I have written to Equifax, XXXX, and XXXX and they have refused to take these inaccuate accounts off of my credit report. Per my understanding, due to the FCRA this is highly illegal and unfair to my reporting rights. I do have the right to request anything inaccurate be removed from my credit report. 

Attached below are some of the numerous attempts I've made to get these items removed from my reports being that they are clearly inaccurate
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and No winancial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

XXXX XXXX  and XXXX XXXX from citibank executive response unit are sending me letters with a presumption that i owe them something, the letters are evasive and misleading, I HAVE NEVER RECEIVED A ''BILL '' FROM CITIBANK OR A SWORN AFFIDAVIT TO SUCH MATTERS OF A ''DEBT '' OWED, THEY ARE KEEPING A SEPERATE LEDGER THAT EVIDENTLY IS A SECRET, THEY WILL NOT GIVE FULL DISCLOSURE, THE CHECK MAY HAVE BEEN UNPAYABLE FROM THE SOURCE WHERE I GOT IT,, BUT THATS NO PROBLEM BECAUSE THEY FUCKIN SOLD IT AND MADE OUT QUITE WELL AS I AM STILL INVESTIGATING THIS SECURITIES INSTRUMENT WHERE IS SHOWS MANY ROUTING NUMBERS PROVING TRANSACTIONS WERE IN FACT MADE AND PROFITS, CAN YOU TWO XXXX  CRIMINALS EXPLAIN TO ME ALL THESE NUMBERS ON THIS CHECK AND WHAT IT MEANS, OK, WELL I WILL EXPLAIN IT TO THE AMERICAN PEOPLE IN DUE TIME HOW YOU XXXX XXXX THIEFS LIARE RIPPOFS DO YOUR RIPP OFF BISNESS, , NOW STOP PLAYING GAMES, IF I OWE YOU ANYTHING SEND ME A XXXX BILL, XXXX XXXX  sent me a little book stating its the federal law that banks can keep the original check, WELL WHERE THE XXXX IS THAT FEDERAL LAW CITATION, ID LIKE TO SEE THAT ONE YOU XXXX LIAR
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act requires consumer reporting agencies to be fair and respect privacy, Equifax, XXXX, and XXXX are such agencies, and I have the right to protect my private information. Financial institutions much also respect privacy and confidentiality. the agancies can only share information with my written consent. I revoke any consent given. The financial institution did not inform me of my right to withhold information. The agencies are reporting adverse information without my permission, which is illegal. 15 USC 6801 States that it is affirmative and continuing obligation to respect the privacy of its customers. Please provide proof that the payments were late. if unable to do so, update my payment history to PAANL status ( paid as agreed, never late ) and supply XXXX XXXX with a corrected credit profile. Please provide this results in the next 15 days.
Product: Credit reporting or other personal consumer reports

I am applying for mortgage pre-approval and need to lift a credit freeze that I put on my Experian Account last year after a case of attempted identity theft. 

When I attempted to log on, I was told that my password was wrong ( it is not ). When I attempted account rescue I never received verification codes necessary EITHER by phone or by email ( although the pieces of my info showing on screen were correct ). 

Note : I have had NO difficulty receiving codes from others, including XXXX and XXXX. 

I attempted to call Experian in order to get access to my account and was not permitted to speak to a human. No matter how I explained the problem to the bot, I was told that it was not " permitted '' to allow me to speak to a human. 

I continue to be locked out of my Experian account and unable to lift the credit freeze.
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 are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX XXXX  Balance Owed : {$28000.00}
Product: Credit card

I obtained this credit card to be able to finance a piece of furniture. I since have paid off my debt with them and was considering whether or not I should keep the account open. While I thought about my decision I reached out to the company asking how I would go about closing my account if i decided to do so. I did not at any moment ask them to close my account nor consent or sign anything agreeing for it to be closed. In the following days I got notifications from them saying that my account was closed. When I reached out via phone I was told nothing could be done despite the fact that I did not ask for this to happen in the first place. I was not given another alternative, I was simply told that my account could not be reopened and the only way I could have an account is to re-apply. Them closing my account without my consent will now negatively affect me and my credit score and their only alternative of me applying for an account will also negatively affect my credit score. I was given no alternative solution that did not negatively affect me. I now have {$8000.00} less in available credit than I did before. The company had no reason to close my account without my consent or confirmation, especially considering that my history with them has been exceptional. They have not provided an adequate resolution for me and it has been very frustrating.
Product: Student loan

Back in XX/XX/XXXX, I submitted a forbearance request with the dates to start XX/XX/XXXX and end XX/XX/XXXX, which the forbearance was approved. Some loans totaling {$42000.00} was approved XX/XX/XXXX and forbearance resumes on XX/XX/XXXX. The rest of the loans were approved XX/XX/XXXX and resume on XX/XX/XXXX. Now they are stating that the loans are due XX/XX/XXXX. I have been asking where this date came from, when I just applied on XX/XX/XXXX to see if the forbearance could start on XX/XX/XXXX through XX/XX/XXXX due to finding a place to live. No one can explain how these dates are changing. They are saying that the dte can't be changed. But yet, I applied for forbearance back in XX/XX/XXXX and submitted another one and the date was updated to start XX/XX/XXXX and end XX/XX/XXXX. I didn't realize that I did it early. I just went by the correspondence that was sent to me that the loans were coming up to be due XX/XX/XXXX. I have been getting the run around with Aidvantage and these dates, which is holding me back from finding a place to live. Yet, Navient has my loans in forbearance until XX/XX/XXXX, because I applied for forbearance the same time I did Aidvantage.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious matter regarding the unauthorized furnishing of my Equifax consumer report without a permissible purpose, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ].

You furnished to my consumer report without obtaining the necessary certification of permissible purpose or legitimate business reason as required by FCRA section 604 ( a ) ( 3 ) and FCRA section 604 ( f ). This action is in direct violation of the FCRA, which mandates that consumer reports should only be furnished for purposes authorized under the law.
Product: Credit reporting or other personal consumer reports

My identity was stolen.Someone used my identity to open up a phone two phones and took out a student loan for a private school for XXXX XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the department to verify the inaccuracies, and they sent me a letter saying it is accurate. When I did a thorough research myself, I found improper inaccuracies on the credit report even after they said they did a thorough research. 

Account Name : XXXX Account # : XXXX In accordance with the fair credit act XXXX  account # XXXX, has validated my right. 
15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Prepaid card

My gift card expired after only 2 years, despite the federal law requiring the funds remain active for 5 years.