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

happened : I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abide by these laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax Numerious times trying to get a credit freeze off of my credit report. I get a foreiner who knows nothing and thinks they own the company. They keep telling me that that I ghave to send in more info to get my credit report. I would like to purchase a car and they are hurting me. They want me to send info to put into the database so they can let everyone get it again from there data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

The message said for me to file a mew report due to unable .Dont know why >???
Product: Student loan

On XX/XX/year> I received a document from Mohela saying that my loans were entering forbearance. A direct quote from this document : " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' This morning ( XX/XX/year> ). I received a document from Mohela saying that they are clarifying that interest has been accruing the whole time my loan has been in forbearance. " Although no payments are due at this time, interest continues to accrue on your loan ( s ) during the forbearance period. You have the option to pay the interest during forbearance. " If it is true that interest has been accruing the whole time my loan has been in forbearance, then I was given false information about my loan in XXXX. 

I need clarity on whether or not interest is accruing on these loans.
Product: Credit card or prepaid card

In XX/XX/2020 a payment through electronic check in the amount of {$5000.00} was attempted to be made on my Sears Mastercard account and this was NOT successful and the funds were reversed on my account. 

In XX/XX/2020 a check issued from a title company was sent for payment on my Sears Mastercard account in the amount of {$5000.00}. This check was cashed on XX/XX/2020 and the funds were not credited to my account. 

I have provided a copy of the cleared check and I've attempted numerous times to resolve on the phone and through the secure website. I've filed a complaint with the credit reporting bureau and their response is that I disagree with the findings although findings have never been communicated to me. My online inquiries have been responded to asking me to call ; I call and I am told a letter has been sent but I never receive anything.
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 : # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have 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 : Also states a consumer reporting agency can not furnish an 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 credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to+ transactions or experiences between the consumer and the person making the report ; 1,014 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Dear, CFPB Representative, I am writing to you under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 and 5536 ) to formally dispute and demand the immediate removal of negative accounts from my credit report. 

I have been a victim of your unfair practices and demand the immediate removal of these negative accounts. 

I have been directly affected by multiple violations of the law committed by your company, as already recognized by the Consumer Financial Protection Bureau ( CFPB ). Due to your negligent and fraudulent practices, my credit history has been severely damaged, causing me financial and personal harm. 

As a result of your errors and failures in managing credit information, I demand the immediate removal of all negative accounts reported on my credit file. 

Violations Committed by Your Company 1. Failure to Conduct a Proper Investigation of My Disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) I submitted disputes regarding incorrect information on my report, but your company failed to conduct a fair investigation or correct the errors.

2. Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Some negative accounts that were previously removed have reappeared on my report without justification or prior notification.

3. Inaccurate Reporting and Lack of Quality Controls ( 15 U.S.C. 1681e ( b ) ) Your company is required to maintain procedures to ensure the accuracy of credit reports. However, due to defective systems and verification failures, my credit history has been unfairly damaged.

4. Deceptive Practices in Communication with Consumers ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) In response to my disputes, I have received contradictory and misleading information, which constitutes an illegal practice. 

Negative Accounts That Must Be Removed Below are the accounts that have been incorrectly reported and that I demand be immediately removed from my credit report : [ XXXX XXXX XXXX ] ( Partial Account Number : XXXX ) This account was deleted on XX/XX/XXXX and was put back on credit on XX/XX/XXXX where they are violating my right according to the law. So I demand that this account that was put back on my credit be deleted. I demand that it be removed from my credit. 

I Demand Immediate Action Since the CFPB has already fined Equifax {$15.00} XXXX and has sued Experian for these same practices, your company has already been found guilty of these violations. 

Therefore, I demand the following : 1. Immediately remove all negative accounts listed in this letter.

2. Provide me with an updated credit report reflecting these changes.

3. Cease any reinsertion of incorrect information in my credit history.

If you fail to comply with this request within the legal 30-day period under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), I will file a formal complaint with the CFPB and consider legal action for damages. 

I have attached copies of supporting documents for my claim and look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I have been tremedously impacted. According to 15USC 1681b Credit reporting agencies are only allowed to furnish consumer credit reports to those who have permissible purpose as defined by the FCRA. I have NEVER gave my written concent to share my information with a third-party ( XXXX, EQUIFAX, XXXX ) My privacy of educational records are protected under XXXX. I DEMAND my rights are not violated. I demand to see verifiable proof ( an original consumer contract with my wet signature on it between these 3rd parties ) you have on file of the accounts listed below. I demand the accounts to be removed immediately **XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$8200.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax placed a Fraud Security Alert on my credit report due to their OWN data breach. 

This is causing me to be DENIED credit because Equifax is storing INCORRECT identifying data about ME! I am also receiving mulitple hard inquiries on my credit report, lowering my score ILLEGALLY! 

I tried to remove the Security Alert by a phone call to Equifax today. I could not remove it because EQUIFAX is storing incorrect personal data about me! 

SO frustrating! I need a new refrigerator!! My credit score is above XXXX and I can not get credit because Equifax will not verify my ID when XXXX or another appliance creditor calls! They will not verify ME when I call! 

Equifax will NOT remove the security alert on its website, only by phone or snail mail. I am NOT sending personal documents by mail and waiting months for this to be remedied This should have NEVER happened in the first place!. I NEED to purchase a REFRIGERATOR! Exacty how am I supposed to do this when Equifax refuses to correct thier OWN error?
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have remove this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Student loan

After filing a complaint against National Enterprise Systems ( NES ). I proceeded to call the us department of education on the suggestion of XXXX XXXX, XXXX and NES. The us department of education agreed that the loans in question don't match my information other than the Social security number. I explained that i had ID fraud twice in the past 20 years. 
All my loans for my education have been accounted for with the US Department of Education for the years i went to school. XXXX XXXX College, XXXX ( XXXX ) & XXXX ( XXXX ). The school, the name, the year and the address do not match y name or address for those years. The loan for XXXX is under XXXX. I didn't meet XXXX until XXXX and we married in XXXX how could i have his last name in XXXX. My address in XXXX was : XXXX XXXX XXXX XXXX XXXX, Ca XXXX I called NES back to share the information and then the lady began to lie and twist things around. so now the story at NES has changed again. Then she began harrassing me and trying to force me to say that i am voluntarily double paying on this loan. I am not, they are forcing me and they are taking more than the contract agreement. 
They have deceived me twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing a late payment on XX/XX/XXXX with the bureaus. At that time, I did not receive any responses from them letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.
Product: Credit reporting

I saw an inquiry on my XXXX credit report from CASH CENTRAL. I have never done business with this company in any way. I call to find out about how the inquiry was initiated, and they said that they received information from 3rd party providers that collect credit information, and based on that they initiate hard inquiries to offer credit. 

As I understand it, this is illegal, either by CASH CENTRAL initiating an inquiry without my consent, or by the so called " 3rd party '' that submitted the information to them. Of course, when I contacted CASH CENTRAL they were unwilling to provide any details about their procedures or who this 3rd part might be. 

All I can say is that I did not initiate a credit inquiry and one either CASH CENTRAL or the other party involved must be doing something illegal by requesting credit in my name.
Product: Debt collection

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX pl remove I have disputed by mail with all three credit bureaus.
Product: Credit card or prepaid card

In XXXX of XXXX I paid for XXXX XXXX for my cell phone use. That card had fraud and a new card was issued. A new card immediately had fraud and the money give to XXXX XXXX was taken from the cell phone carrier. I was with out a phone and needed one. I stopped using my old phone and got another phone and carrier in may I asked my card to refund me the money for XXXX XXXX which I paid the Citi card with a check. Citi said they paid XXXX XXXX and I called XXXX XXXX and they said they were not paid. Back on forth I called Citi and XXXX XXXX  asking for my refund. I called each XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, finally on XX/XX/XXXX I called XXXX XXXX they said the money will be sent to XXXX to an old card ending in XXXX. I told him it was cancelled he said don't worry they know it's your account. I called XXXX and a man at Citi named XXXX said don't worry we will issue you a new card in 5 to 7 days I would receive it in the mail but on XX/XX/XXXX there was no new card so I called Citi again three times that day one said my account was closed and gave me a number to call in there XXXX XXXX Department .... The automotive system has no number to push to help me so I called Citi again said I was going to fill a complaint and a man named XXXX said Citi was not issuing me a new card but closed my account and will refund me the money of {$270.00} and it will be sent in 7-10 days and reference number to that was XXXX XXXX XXXX 
Still no refund.
Product: Prepaid card

On XX/XX/2023, I received an email notification that the PIN had changed on the card for my unemployment insurance ( that I had not received ). The card had been placed in the mail, but I had not received the card. I immediately checked my account at Bank of America and saw that funds had been withdrawn. I called to file a claim for fraud, put a stop to the card and had another card issued. I was told it could take up to 90 days to review the matter. The following day, I received an email from ID Notify regarding a breach of my information. ID XXXX provided me with the individual that had accessed my information on XX/XX/2023. This individual is a Bank of America employee. I forwarded this information to Bank of America via email. I later found out that they do not accept emails. I called Bank of America on XX/XX/2023 regarding the investigation. At that time, I was informed that the claim had been denied. I requested any and all information and the file to be mailed to me. I have not received any mail on this investigation. The representative stated the denial had been mailed. I confirmed my mailing address. I have yet to received the denial or the file from Bank of America. I faxed the ID Notify and other documents to show that I was not involved in this fraudulent transaction and that the individual involved is a Bank of America employee. Despite the evidence, this claim was denied. I have experienced fraud by the very bank that provides a service through the government. This data breach is disconcerting, as it goes to show that not only was the data breach not taken seriously, but that other consumers are at risk of the same. This concerns Bank of America 's data governance and lack of concern for breach and transmission of data. This is a serious matter, as it goes directly to Bank of America 's risk of breach by potential hackers. Lastly, I reported this to the FDIC and they have responded that they have forwarded my complaint to CFPB. 

Attached is the correspondence regarding the PIN change, the confirmation that Bank of America had received my claim, and the ID XXXX induration regarding the data breach. Upon receiving the information about the data breach, I followed up with a search for the named individual and found that she is a Bank of America employee. My data was breached on XX/XX/2023, a day prior to the withdraw. The Bank of America employee XXXX is shown here : https : XXXX