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

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3200.00}
Product: Student loan

I applied for the SAVE plan through studentaid.gov and then directly through my processor in the beginning of XXXX and was given an approval. Aidvantage has not been helpful in the facilitation of this request. I was given an expectation of 30-60 processing time in XXXX, and since then my loan has been in " Administrative Forbearance '' first until XXXX, then changed to XXXX, now XXXX. I have made several attempts to handle this with the servicer and not receiving resolution. I am continuously told to " keep and eye out '' for changes it is taking a little while, whilst acruing interest for 5 months.
Product: Checking or savings account

On XX/XX/25 I opened Citi Miles Ahead Savings account with citibank. They have a promotion for airline miles and a higher interest rate if you have at least a {$50000.00} balance. I transferred {$50000.00} from my XXXX account directly into this Citi account. Today I received an email that I have violated the terms of the account and it will be closed. I am told that the money will be mailed to me via check at my address on file. 

I called to ask for information and get them to not close my account. I was told the account was on restriction and they couldn't give me any information. I asked them not to send the money via paper check in the mail. I am not comfortable with my life savings being mailed via check to me. 

I believe this may have triggered some sort of fraud alert due to the large amount of money, however, they are offering perks for carrying this balance so it should be expected that large sums of money will be transferred in. It came from a bank account in my name. I don't understand what is happening and I simply want access to my money. 

My access to both this account and my citibank credit card which I've had for about 6 months is locked. I'm not even sure if my credit card is active and it's my main credit card. This is not how you treat a loyal customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # 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  has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : also states consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to Equifax and XXXX, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting or other personal consumer reports

I have an unverified account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had previously disputed this account. I have never done business withXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. The original date of default and collection activity begins 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE Group Cease and Desist all further communications and collection activities and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Request Regarding Unauthorized Credit Inquiries Dear EQUIFAX, I am writing to formally request that you cease and desist from conducting any further inquiries on my credit report without my explicit authorization. My name is XXXX XXXX, and my Social Security Number is XXXX. 

Upon reviewing my recent credit report, I have identified the following unauthorized or questionable inquiries : Inquiry DateXXXX ] Inquiring Party : 1. XXXX XXXX XXXX 2.XXXX XXXX 3XXXX XXXX XXXX 4XXXX XXXX XXXX XXXX 5.XXXX XXXX 6XXXX XXXX XXXX 7XXXX XXXX XXXX XXXX These inquiries were made without my permission and are affecting my credit score and overall financial profile. I request that you take the following actions immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

LOOKING OVER my credit report and I SEE it has addresses that I never live at on my Credit report. I am requesting that you promptly update and delete addresses that I never resided. Please see the attached copy of my utility bill for your reference. Please update my current information to reflect THE CORRECT INFORMATION XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM ALL OF MY CREDIT XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX CT, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX MODEL, XXXX XXXX AZ XXXX
Product: Student loan

I have had a few of my student loan collectors call numerous times a day. Is there a way to stop this. I see no reason why they ca n't call just XXXX time per day and leave XXXX message. I am told that it does this because the calls are on an automated system. Most of these loans are for financing my schooling with University XXXX XXXX.
Product: Debt collection

I am writing to formally dispute a collection account that has been adversely affecting my credit report. Upon reviewing my consumer rights under relevant consumer laws, I have identified several violations committed by the collection agency, which warrant the immediate removal of the reported collection from my credit report. 
Firstly, the collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this obligation, the collection account has been reported without proper validation, thereby infringing upon my rights as a consumer.

Furthermore, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with a fair chance to contest the validity of the debt is a clear violation of consumer protection regulations. 
Moreover, the collection agency has engaged in deceptive practices, including false and misleading representations, which contravene consumer rights laws. Such behavior is in direct violation of the regulations outlined in many consumer laws. 
Additionally, the collection agency lacks the authority to furnish the account to consumer reporting agencies without providing all necessary disclosures, as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Furthermore, as I have not entered into any contractual agreement with the collection agency, they have no legal basis to claim ownership of the debt. 
Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to remedy the violations outlined above. Specifically, I urge the immediate removal of the collection account from my credit report, as it is unjustly impacting my creditworthiness. 
I appreciate your prompt attention to this matter and look forward to a swift resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I entered an uninformed decision with XXXX XXXX Account XXXX. As a creditor they took advantage of me thus committing fraud.

Pursuant 15 US Code 1601 ( a ) in order for me to make a decision I must be informed i.e., it takes two CONSENTING parties to make an agreement. Any agreement put in place should be clear and conspicuous ( Pursuant 15 US Code 1602 ( a ) -- which you all have failed to provide. A 30-page computer generated agreement is not clear nor conspicuous and thus you could not expect a consumer to reasonably know its meaning. There is no evidence of indebtedness as a clear and conspicuous agreement was never put in place thus making this transaction null and void ( k ). You all are reporting a past due amount on a closed account which is not possible if the account is no longer active. You all sold the alleged debt to another company without my permission and never provided me with that information.

You all are illegally furnishing income to my credit and never provided me with a 1099C associated with this account. Pursuant FCRA laws once the debt was sold to a third party you all lost permission to report anything to my consumer report. I believe an amicable resolution for all parties is to update the credit bureaus with the removal of this account. Please note all three bureaus have been put on notice of your frivolous actions as well as your state attorney general and the federal reserve. To all three bureaus I am sure your legal team will agree this account needs to be remover from my report immediately.

This is my last intent to resolve the issue at hand before moving forward with legal proceedings. I expect a response to this notice within thirty days and would highly appreciate your cooperation.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX  Balance : {$580.00} XXXX XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP XXXX, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> XXXX XXXX AUTO IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX IL XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have been reaching out to XXXX XXXX XXXXXXXX and the credit bureaus since XXXX to XXXX XXXX and they still have not resolved the problem on my credit report. 

I am writing to bring to your attention certain discrepancies and potential violations related to my credit report, specifically pertaining to an entry from XXXX XXXX XXXXXXXX. The information on my credit report does not appear to be in compliance with federal regulations, specifically the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

Account Information : Date of Last Activity : Experian - XX/XX/XXXX, XXXX - XX/XX/XXXX Date Reported : Experian - XX/XX/XXXX, XXXX - XX/XX/XXXX Account Rating : Experian lists the account as " Derogatory, '' while XXXX XXXX has a blank rating. 
Late Payments : Experian - XXXX late on XX/XX/XXXX, XXXX - XXXX late on XX/XX/XXXX Past Due Amount : Both Experian and XXXX report a past XXXX amount of {$390.00}. 
Account Type : Experian reports it as a " credit line secured. '' Specific Violations and Non-Compliance : Date of Last Activity : The reported date of last activity does not match between Experian and XXXX. Such discrepancies can mislead creditors and can be considered a violation of the FCRA, which requires accurate and consistent reporting. 

Account Rating : Experian reports the account as " Derogatory, '' while XXXX and XXXX XXXX provide no rating. The inconsistency in the account rating between Experian and the others violates the FCRA, which mandates the accurate representation of a consumer 's creditworthiness. 

Late Payments : There is a discrepancy in the reported dates of late payments between Experian and XXXX. Such discrepancies XXXX harm my credit profile and XXXX be in violation of the FCRA. 

XXXX XXXX XXXX : Reporting a past due amount when there is no outstanding balance violates the FCRA, which requires that all information on a credit report be accurate. 

Account XXXX : Experian reports the account as " Closed, '' while XXXX XXXX states it is " XXXX. '' This inconsistency is a violation of FCRA, which requires consistent reporting of account status. 

XXXX XXXX : XXXX reports a high balance of {$520.00}, which does not match the credit limit and balance information reported by the other credit bureaus. This inconsistency is a violation of the FCRA 's requirement for accurate and consistent reporting. 

Different Account Numbers : The use of different account numbers by Experian and XXXX XXXX lead to confusion and is a violation of the FCRA 's requirement for accurate reporting. 

I respectfully request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations. I also kindly request thatXX/XX/XXXX XXXX XXXX these inaccuracies on my credit reports as required by law. My aim is to ensure that my credit report accurately reflects my financial history and does not negatively impact my creditworthiness unjustly. 

Thank you for your prompt attention to this matter, and I appreciate your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account XXXX : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account # XXXX and XXXX Account # XXXX and Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and name XXXX XXXX XXXX XXXX XXXX and XXXX number 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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Student loan

XXXX XXXX/PHEAA has not properly counted my qualifying payments toward Public Service Loan Forgiveness.  Around XX/XX/XXXX, my direct student loans were transferred from XXXX to PHEAA. Thus far, I have submitted two Employment Certification Forms to PHEAA, and PHEAA confirmed that both periods of employment were with qualifying employers. The first period -- XX/XX/XXXX, through XX/XX/XXXX -- was with the United States District Court for the XXXX District of Pennsylvania. The letter from PHEAA confirming this first period was dated XX/XX/XXXX, and assured me that PHEAA would  calculate and provide me with notification of the total number of qualifying payments I made during this period, along with other information. The second period -- XX/XX/XXXX, through XX/XX/XXXX -- was with the United States Court of Appeals for the Third Circuit. The letter confirming this second period of employment was dated XX/XX/XXXX, and assured me that PHEAA would notify me of the number of qualifying payments " [ i ] n the next few weeks. '' I have not yet received any written communication from PHEAA regarding my number of qualifying payments. 

On XX/XX/XXXX, I contacted PHEAA regarding PHEAA 's error in calculating my monthly payment amount, an issue I am currently trying to resolve with PHEAA. In that conversation, I asked about the number of qualifying payments related to my periods of employment with the courts listed above. I spoke with XXXX ( employee ID no. XXXX ) and with XXXX ( employee ID no. XXXX ). XXXX informed me that PHEAA determined I have only five qualifying payments during the two employment periods described above. I told him I had not received anything in writing with this information, and he said he would request that PHEAA send me a letter ; he said that he would request that the letter be expedited but told me it could take 30-45 days to receive the letter. I still have received no written communication from PHEAA regarding my qualifying payments, but NSLDS reflects that PHEAA has determined I have only five qualifying payments for PSLF. 

I have reviewed my own records during the two employment periods described above. During those periods, I made a total of 32 payments toward the loans at issue. All of those payments were on a standard repayment plan ( 19 payments ), a qualifying repayment plan ( 5 payments ), or were made under a different payment plan and were of an amount larger than the payment would have been on a qualifying repayment plan ( 8 payments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you 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, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX | XXXX : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX. XXXX XXXX Unverified Account ( Provide Physical Verification ) XXXX. XXXX  XXXX Unverified Account ( Provide Physical Verification ) XXXX. XXXX FIN XXXX Unverified Account ( Provide Physical Verification ) * Please remove all non-account holding inquiries over XXXX  days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my Innovis credit bureau report. This report shows in inquiry dated XX/XX/XXXX by XXXX XXXX XXXX XXXX. 

My Innovis credit bureau report has been frozen as allowed by the FCRA since XX/XX/XXXX. Although frozen, Innovis illegally allowed access.
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 XXXXXX/XX/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.