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

On XX/XX/2019, XXXX transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. XXXX did not indicate that it closed the account because its OWN DECISION. 

Transunion reported that XXXX closed the account and that my : Balance Decreased by {$390000.00}. XXXX  LOWERED MY CREDIT SCORE BY 51 POINTS! 

On XX/XX/2019, I filed a complaint with CFPB ID : XXXX. 

On XX/XX/2019, Transunion responded : " We have researched the credit account. Account # XXXX The results are : Accounts reporting as transferred or sold are considered closed. This account is currently reporting paid as agreed, with no late payments. '' However, Transunion DID NOT add the 51 points back to my score!
Product: Student loan

XXXX. I sent my payment of XXXX to pay off my loan XXXX XXXX to Navient. 
XXXX. XXXX XXXX I contacted Navient. Navient stated it had no idea what happened to my check. 
XXXX. I got a copy of the statement from my bank, XXXX XXXX XXXX. Navient cashed that check XXXX XXXX and put it into a XXXX XXXX bank account. 
XXXX. I sent my private loan checks in the same envelope, certified. Those loans were posted to my account. The federal loan is lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute registers mail with return receipt on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within 30 days violating XXXX5usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute still has not been initiated nor finished
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX and XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT 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 University Account name : XXXX XXXX Account name : COMENITY CAPITAL XXXX Account name : XXXX has violated my rights. 

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

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. 

15 U.S.C 1666b There is no such thing as late payments 42 U.S.C 408 Asking for anyone 's social security number on any loan and or credit card company is considered double dipping and a violation of RICO. 

15 U.S.C 1602g We the people are the credit
Product: Credit reporting or other personal consumer reports

Dear Elan Financial Services Compliance Department, Account # : XXXX This complaint serves as a formal notice of dispute regarding the inaccurate and unlawful reporting of a late payment on my credit report for the above-referenced open-end credit account. Your reporting directly violates federal consumer laws, including : 1. 15 U.S. Code 1666b Timing of Payments, under the Truth in Lending Act ( TILA ).

2. 15 U.S. Code 1681s-2 ( a ) Accuracy of information furnished to Consumer Reporting Agencies ( CRAs ) under the Fair Credit Reporting Act ( FCRA ).

3. 15 U.S. Code 1681c ( a ) Prohibition of reporting transactions or experiences that are excluded by law from my credit report.
Product: Credit card

I am trying to get the document stating when my current promotional apr ends. I have called Capital One several times and each time I get a different answer. I believe they are giving me this bad information so when the APR changes I will be stuck with a higher APR charge where presently I have a XXXX % interest charge. I have asked them to send me the information but they claim they cant do that. Unfortunately I lost the original terms of agreement. They have given me verbally XXXX different dates of the rate change. 
My other credit card company XXXX provides this information monthly
Product: Debt collection

Have received numerous calls from XXXX. The caller leaves a message representing themselves as Bank of America collections department and requesting that I return the call. I have returned the call and when I do the automated voice asks for an account number or social security number to verify whom they will be talking to. Since I have no Idea why they are calling since I have no delinquent debts, I certainly do n't know of an account number to give. AND I certainly will NOT give my social security number to someone " claiming '' to be from Bank of America. The call back number the party gives is XXXX. I believe this is a scam because I have called Bank of America and asked the operator if she heard of this XXXX number and her reply was no. then I asked if there was any problem will any of my accounts. The reply was NO problem. 

Thanks for a reply of an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 

As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties. I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 

Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 

I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 

Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 

XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX. XXXX, XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX XXXX date : XXXX. XXXX, XXXX XXXX : XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX date : XXXX. XXXX, XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquriy date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated 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 XXXXXX/XX/XXXX, has violated my rights. 

I have never been late on these accounts. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. 
I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.
Product: Student loan

I had struggled for years to make my minimum student loan payment and put food on the table for my young son. I was advised by representatives working at Navient to defer my payments until I was in a better situation to pay my debt. The result of multiple deferments over several year was tens of thousands of dollars in additional interest being owed. I have made significant ground in paying down this debt and I do believe that I should be expected to pay back what I borrowed plus reasonable interest, but my liability was nearly doubled by following the advice provided by Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to XXXXXXXX XXXX XXXXXXXX Tx, Because of a bad family situation. My personal items have not been sent to me. My dl /sscard /Id were all misplaced. I have not been able to get new replacements yet. I pulled my credit report and i found alot of information that does not belong to me. I never authorized these accounts .There is incorrect addresses, medical sccounts, utility accounts andmore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXXr acct # XXXX XXXX XXXX ACCT # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XX/XX/XXXX you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX XXXX on XX/XX/2020, XXXX XXXX XXXX Inquired on XX/XX/2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any other variation of my name. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

There is a business AmEx account on my personal credit.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has citied technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You
Product: Credit reporting

It is a long complicated issue. It started with my student loans being refinanced without my permission. Multiple companies have now tried to collect from me on this loan. The new loan conditions are very unfavorable to me and I did not agree to them. Companies and organizations including The department of education, XXXX XXXX, XXXX, And XXXX XXXX have all tried to enforce the terms upon me. In the meantime no one will accept payment from me in the terms that were agreed on. 

When I went to obtain an insurance product I requested a copy of the credit report and disputed information on it. I explained in the dispute this issue, along with others, and told them if they needed documentation to contact me. They did not contact me and did not remove any of the incorrect negative information. 

Just recently I received a letter from XXXX that I had placed a fraud alert on my credit report. I did not do this, at least not intentionally. Maybe it was something TransUnion did when I filed a dispute with them? There was no number in this letter to call a person, only an automated system to place a longer fraud alert on my file. So i searched for a phone number and found XXXX and finally got a human named XXXX. After I asked if he could help me, he hung up on me. 

So, in summary, I have incorrect information in my credit reports ; a loan out there that was refinanced to unfavorable terms without my permission, and no one who will accept my payments ( I keep getting refund checks ) ; a dispute with TransUnion that was not resolved ; a new issue of a fraud alert on my files that no one will discuss with me. 

I have been unable to find any government agency or private agency that can or will help me resolve this snowballing issue. I have called the CFPB before who told me that only the department of education has authority over themselves and it is unlikely they can help. Now it has spread to include private organizations. Private organizations working with a government organization to make the matter worse. Can you help me? If you need any documentation, let me know. I do not know what you need.
Product: Debt collection

Name LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Attempted to contact the agency above to request a purchase agreement and proof of ownership-
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding multiple accounts that have been fraudulently opened in my name. These accounts are the result of identity theft and I have already taken steps to report this fraud with the credit reporting agencies, but the fraudulent accounts are still present on my credit reports. I am requesting your assistance in investigating these fraudulent accounts, ensuring that they are removed from my credit file, and that my rights as a victim of identity theft are respected under the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the accounts that were fraudulently opened in my name : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Account Number : XXXX XXXX  Account Number : XXXX Equifax Account Number  : XXXX Balance : {$60000.00} XXXX  XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX All 3 Bureaus Account Number : XXXX XXXX All 3 Bureaus Account Number : XXXXXXXX XXXXs All 3 Bureaus Account Number : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX Equifax Account Number : XXXX  Balance : {$60000.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Equifax Account Number : XXXX XXXX All 3 Bureaus Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX Account Number : XXXX XXXX Account Number : XXXX Equifax Account Number : XXXX Balance : {$11000.00} XXXX XXXXXXXX All 3 Bureaus Account Number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit report through Equifax. I received an alert that there was a collection account added to my report. The company 's name is XXXX XXXX XXXX showing an account # of XXXX IN THE AMOUNT OF {$13.00} stating that the debt came from XXXX XXXX XXXX. I have never heard of the company XXXX XXXX XXXX. I am unaware of this company, the amount, the debt and it's origin therefore, this debt is not validated by me. Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I do no recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. I demand that Equifax AND EQUIFAX and XXXX XXXX XXXX provide a copy of my signature with the provider of service to release information to them. I demand that EQUIFAX and XXXX XXXX XXXX DELETE credit reporting from my file until this debt is validated by me. Any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. Please delete this collection account from my Equifax file.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a direct deposit of {$450.00} on XX/XX/XXXX I tried to send money out my account was locked I received an email saying that I should regain access within 24 hours this was the last response I got from cash app support. At this point I have emailed them and direct message cash up support on XXXX  and emailed their support team through the app as well and have not gotten a response at all I've had people try and scam me but no one from cash app officially has emailed me back my money is still there I just can not use it this is all of my paycheck from my previous job