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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX BANK # XXXX, Account name : 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: Debt collection

XXXX XXXX XXXX XXXX XXXX, 2024, Amount : XXXX I informed them about the account being opened without my authoritie the debt was sent to another credit company
Product: Debt collection

I have been repeatedly charged interest by this collections agency when I have enrolled the company in national debt relief months ago. They already know I can't do anything else they failed to sue me a while ago because all I receive is SSI. Now I haven't enrolled with national debt relief with less than they say I owe now because they keep racking up the interest I don't even think they're looking at this settlement attempt! Every other collection agency has been fine but these people keep reporting collections increase for my credit report every month! I'm trying to settle this debt they are not making it any good experience
Product: Debt collection

I got a collection notice on XXXX XXXX XXXX for XXXX and XXXX for XXXX, but the information does not match on either credit bureaus, I discovered this today,
Product: Credit reporting or other personal consumer reports

I recently started getting a lot of robo calls, for accounts/collections that I have no knowledge of, I was shocked when I checked my credit report and saw 4 accounts and dozens of inquiries that I have no knowledge of.. I wrote all 3 credit bureaus to dispute these items on my consumer report via certified mail and filed a report with the ftc.. however the items are still on my report. I fill like Equifax, XXXX, and XXXX have just ignored my disputes and I fill that they are in violation of : Act 15 usc 1681 I am a single mother trying to buy my first home for my family so naturally I need these items removed, although I haven't tried for home funding yet as I'm still saving I feel like these negative items will hurt my chances for funding or make my home loan more expensive than if my consumer report were correct and accurate.
Product: Checking or savings account

3 remaining Unauthorized charge disputes were handled poorly and the bank did not follow federal guidelines and retaliated against me for challenging their decision. 

Bank of America failed to properly evaluate documentation received from the merchant. 
Bank of America closed the 3 disputes before I was given the opportunity to submit my documentation or review the merchants documentation. 
The merchant did not provide documentation showing my claim disputes. And documentation showed someone elses card number which was not part of my dispute. 

I sent documentation into the claims department via XXXX XXXX and the 3 claims were never reopened. 

Bank of America led me to believe that my disputes were being evaluated at the bank but was advised disputes were sent into visa /mc to investigate ( Charge Dispute ) however the bank did not follow Charge dispute protocol. 
The 3 dispute claims were closed because of the length of time taken to investigation so that they stayed within federal guidelines and not because the investigation was completed properly. 

I was never given a fair dispute process and Bank of America took steps to see that I wasnt given an fair opportunity by avoiding and not returning my phone calls or emails and sending documentation out late or not at all. And using mailing time to count against deadline dates. 
Bank of America retaliated against me because I challenged their negligence and unfair process of my disputes and reported a balance owed to XXXX for account abuse and then lied to me stating my account was closed while a dispute was still in process and told me it was computer generated but records show it was forced closed and account abuse was reported to XXXX and this was not done by computer. 

Last two account statements clearly show {$0.00} balance indicating no balance owed. 
No documentation from the merchant showed my disputes or showed I was their on the XXXX or that I received services on the XXXX .we did not stay at the location on the XXXX and these charges are indicated that the purchase happened on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting an account of mine that was opened in XX/XX/XXXX as having late payments, and they're also reporting that this vehicle was included in a bankruptcy. 
This vehicle was totaled XX/XX/XXXX, XXXX and an insurance claim was paid out to them in full from my insurance company. 
They continued reporting negative information about this vehicle up until XX/XX/XXXX and then of which they stated that this vehicle was included in bankruptcy which is highly incorrect. This vehicle was paid entirely in full. 

I have emailed the CEO, XXXX XXXX, and my next step if I don't hear back from him with a resolution is filing a law suit against this company as they are defaming my character. I have a police report statement number : XXXX.
Product: Credit reporting or other personal consumer reports

I have an installment loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. Or list of inquiries 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 or other personal consumer reports

In accordance with the Fair Reporting Act. The List of accounts below has violated my federally protected rights to privacy and confidentiality under U.S.C. 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U.S.C. 1681 Section 602A States I have the right to privacy. 15 U.S.C. 1681 Section 602 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681-2 ( 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

Transunion is failing to delete reports on my credit report that i dont have a contact with.. my personal information was sold to several different debt collectors without my consent and it violates the California Consumer Privacy act of 2018. I have no contact with any of the people listed on my credit report. None of them validate the debt when I requested it. I have no obligation to pay any of those people by law and all are committing fraud when they received my personal sensitive information My home addresses My birthday my social My email and phone number I have no written contact, i can only be bound by a contact. None of the original debtors have permission to give out or disclose my personal sensitive information. This all happened in California none of the contact with the original creditors where done outside of California all these debts occurred after the privacy act was established Im not bound or secured to any contact to pay anyone.. creditors have agreed to delete account but Transunion has not done so and should be held accountable
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found inaccurate items. 

Creditor : XXXX XXXX XXXX ACCt # : XXXX I do not have a debt with XXXX XXXX XXXX and have tried repeatedly to get them to answer me to verify how they determined that this debt is mine. I have never had a debt with them and I am unable to get this item off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was, already included in my prior COMPLAINT # XXXX, XXXX XXXX, and I'm including it again. DEPT OF EDXXXX XXXX Balance : {$1100.00} ; DEPT OF ED/XXXX XXXX Balance : {$3000.00} ; DEPT OF ED/XXXX XXXXXXXX XXXX : {$2300.00} ; DEPT OF ED/XXXX XXXX Balance : {$6200.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$5000.00} XXXX DEPT OF ED/XXXX XXXX Balance : {$2500.00} ; DEPT OF ED/XXXX XXXX Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX Balance : {$2400.00} ; DEPT OF ED/XXXX XXXX Balance XXXX {$2500.00} ; DEPT OF ED/XXXX XXXX Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX Balance : {$3100.00} ; DEPT OF ED/XXXX XXXX Balance : {$3900.00} ; XXXX XXXXXXXX XXXX : {$2.00} ; XXXX XXXX XXXX XXXX Balance : {$91.00}
Product: Credit reporting or other personal consumer reports

Once again on XX/XX/2023 I disputed an account with XXXX bank with it Trans Union, and they literally come back XXXX days later and said account verified as accurate data furnished by bank. Thats it when I request how they came up with is the paperwork that they use in their investigation I get nothing in return and then to top it off my credit score keeps dropping when I have positive things on my credit it dropped XXXX XXXX  because my XXXX  my car loan decreased I had four inquiries drop off and I had a collection drop off and they dropped my school at XXXX XXXX  how does that work? Somebody explain this to me
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX XXXX my checking account was charged for numerous charges for XXXX for a total of {$660.00} and once at a XXXX restaurant ( in XXXX, CA ) on XX/XX/2023, for {$4300.00}. I reported all of these charges as fraud with both XXXX and Wells Fargo and immediately closed the card that the charges were made on. None of the charges from XXXX were associated with my XXXX account, so XXXX claims they could not find the charges ( clearly my card was used on someone else 's XXXX account ). Wells Fargo then responded to my fraud claim with a denial, stating that they determined that these charges were not fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My studen loan servicer is Nelnet. They notified me at the end of XX/XX/XXXX that they will no longer accept credit card payments as a form of payment. I'm a US citizen that lives and works in XXXX XXXX and currently do not have a US bank account. I contacted them about this in early XX/XX/XXXX to see what other alternative payment options overseas borrowers may have - after several calls and emails, I was told a prepaid card would work. I obtained a travel prepaid card that allowed me to load US currency - this was declined by Nelnet. They then told me the card needed to be a prepaid card coded as debit. I met with my bank in XXXX XXXX and they helped me track down a prepaid card coded as debit that allowed me to load US currency - this was declined by Nelnet. Nelnet put my account into forbearance until XX/XX/XXXX ( without my permission ) saying that they would find a solution for me in the meantime. It is now the end of XX/XX/XXXX and I have not heard a word from Nelnet. I've continued to send emails and they either don't respond or reply saying that I can use a prepaid debit card - they don't actually address the problem ( that the prepaid card coded as debit doesn't work on their end ). Once I can plan a visit home, I will open a US bank account in my name - but I am not able to do that unless I am physically present ( I tried opening an account through numerous banks ). Unfortunately, I can't just hop on a plan to the US for the sole purpose of opening a bank account ( airline tickets are around XXXX dollars ). I believe Nelnet is intentionally not responding to my emails now. I have also lodged complaints with the Department of Education. The first response from the Department of Education was to close my case, saying their records show Nelnet gave me a solution. I lodged another complaint saying that Nelnet did not give me a viable solution as their advised forms of payment were not accepted. This complaint is currently open and is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

only equifax is reporting two consecutive late payments on my XXXX XXXX XXXX account number XXXX this is inaccurate reporting cause the creditor XXXX XXXX XXXX has already removed these late payment back in XXXX, but equifax does not change this inaccuracies, i have disputed and tried to make sense with them but they are not cooperating, although XXXX XXXX XXXX has already changed their side of inaccuracies. 
please help me to correct this inaccuracy form equifax credit reporting agency thank you, i will be attaching the letter from XXXX, which represents the approval.
Product: Debt collection

Debt was paid on XX/XX/2015. Company posted debt as paid in their internal system. They refuse to remove the account or the past due debt from any of my credit reports.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Legal Representation and Noncompliance with FCRA To the Institutions Demonstrating Willful Negligence and compliance to the Laws, It has come to my attention that despite my formal request under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block all disputed information or items on my consumer credit report within four days, your agency has failed to comply with this legal requirement. Furthermore, no communication has been received from your office through the CFPB regarding the actions taken or the reasons for any delay or noncompliance. 

Additionally, I must emphasize that your agency is obligated to block not only the disputed information or items requested but also any wrong information or items you are reporting on my consumer credit report. Failure to ensure the accuracy of the report violates your statutory responsibilities under FCRA 611 ( 15 U.S.C. 1681i ) and demonstrates a troubling pattern of negligence. 

As a result of your continued disregard for these obligations, I have retained a law firm specializing in Fair Credit Reporting Act ( FCRA ) violations to address this matter. My law firm is actively reviewing your agency 's actions and will pursue all available remedies, including : Filing a lawsuit to seek damages for willful noncompliance under 15 U.S.C. 1681n, including statutory damages, punitive damages, and compensation for financial and emotional harm.

Reporting your agencys noncompliance to other government authorities, such as the Federal Trade Commission ( FTC ) and the State Attorney Generals Office, to ensure accountability and further oversight.

Please be advised that this is not merely a matter of dispute resolution but a legal issue that will now be handled by my law firm. Stemming from the statutes governed by the Rules of Laws, I trust that you will reconsider your obligations under the FCRA and take immediate corrective action to avoid further escalation. 

Should your agency wish to communicate regarding this matter, please direct all correspondence to my law firm. Failure to comply with your legal responsibilities will result in further action through appropriate regulatory authorities and the courts. 

Sincerely, [ Your Full Name ] [ Your Contact Information ]
Product: Credit card

Im being hacked and stalked by a XXXX  XXXX hunting ground. I opened a FBI case in XX/XX/2022, the FBI wont help me. XXXX hacked. My credit card is hacked. My bank account both a previous one at chase was hacked and stolen from and now my current one at a department of XXXX bank is hacked and stolen from. 
My email and phones and computer are all hacked. 
When calling the credit card company or bank chase, the hackers transfer me to a hackers call center, so I never can get this issue resolved.
Product: Credit reporting or other personal consumer reports

By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I 've consolidated my student loan debt ( approx. {$200000.00} at this point ) under the Public Service Loan Forgiveness program, and have been making monthly payments for the last 6 years. I work for a nonprofit XXXX in New York ( high cost of living coupled with non-profit salary ). I should have been eligible for forgiveness in 2020. However, I just learned XXXX of my payments over the last 6 years have been disqualified because the " full monthly installment amount was not received ''. Here is how this happens : Let 's say my monthly loan payment is {$340.00}. One month I round up and pay {$350.00} ( overpaying by {$6.00} ). The following month I get a statement saying the amount owed is {$330.00} ( which is slighly less, due to the over-payment the month before ). I pay the exact amount owed, according to my statement. That payment of {$330.00} is disqualified because it is not the full loan payment amount. This happened to me 10 times in six years -- which means I will have to stay in repayment almost an extra year before I 'm eligible for forgiveness. Costing me thousands of extra dollars in repayment. 

When I called FedLoan Servicing to ask about this, I was told that it was n't their problem I " did n't read the fine print, '' and that the annual enrollment forms I sign to stay in the income-driven repayment program explicitly state that I must make the full payment each month in order to qualify. I get that. But then why am I receiving a statement telling me to pay anything other than my full payment each month? This is misleading, at best, but feels malicious. And I 'm sure there are thousands of people out there paying their loans on time every month, paying whatever is listed on their monthly statement, not realizing they are falling through a loophole in the system. Frankly, I 'm surprised there has n't been a class action lawsuit yet.