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

As the federal government agency charged with implementing and administering the federal consumer financial laws, the CFPB is committed to ensuring that companies follow the law. For that reason, the CFPB and the Federal Trade Commission ( FTC ), which together with the CFPB helps enforce fair credit reporting laws However, the FCRA requires procedures to assure accuracy, and the fact that a CRA obtains information from another source simply does not mean that the information is free from error These CRA 's are erroneously reporting inaccurate information on my consumer file and requesting me to provide them with personal information pertaining to my person, however, are allowing 3rd party furnished to provide them with personal information to be included in my consumer report, this constitutes fraud and defamation of character. 


The FCRA regulates consumer reporting agencies ( CRAs ), which includes any entity that, in exchange for monetary fees, regularly engages ... in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. XXXX XXXX. XXXX ( f ). 

I have attached my DL for identification A credit reporting agencys reliance on a reputable furnisher may be evidence that the credit reporting agency followed reasonable procedures. However, contrary to the district courts holding, reliance on a furnisher does not categorically insulate a credit reporting agency from reasonable procedures liability under section XXXX ( b ). 

If a CRA willfully fails to comply with any requirement of the FCRA, it XXXX be held liable by a private plaintiff for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer. Id. XXXX ( a ), ( XXXX ) ( A ). If a CRA negligently violates a provision of the FCRA, it may be held liable for the actual damages arising from the violation. Id. XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Student loan

I have {$37000.00} left in student loans, originally serviced by XXXX XXXX. The balance was then transferred to XXXX. On XX/XX/XXXX, I applied to turn my loans into the new SAVE repayment plan, as well as check for PSLF eligibility. On XX/XX/XXXX, I received an online message from XXXX stating my loans would be transferred yet again to MOHELA, to be finalized " on or about XX/XX/XXXX. '' This didn't happen. I have an online account with both XXXX and MOHELA now, and they both show me as having a {$0.00} balance. I chatted with both XXXX and MOHELA customer support, most recently XXXX with MOHELA on XX/XX/XXXX, and she told me that interest would be accruing despite the fact that there is no possible way for me to pay, and despite the fact that I had already requested XXXX to start my auto-payments in XXXX instead of XXXX ( XXXX was chosen as the default day to resume payments for all borrowers, even though interest accrued starting in XXXX ) So, basically, now there is no way for me to pay my loans, I am forced to accrue interest I don't want, and no one can give me a timeline as to when this will be fixed, or if interest will be waived while the servicers attempt to fix their mistakes.
Product: Credit card or prepaid card

I went to XXXX XXXX XXXX for a procedure called XXXX XXXX XXXX, this was suppose to freeze the from my XXXX, I was told by XXXX XXXX XXXX ( owner ) that procedure in question would best work for me. She stated that XXXX XXXX would get me better results with less complications. She did advised me of risk associated with this procedure such as XXXX  as you much XXXX XXXX.She also stated it may not work. She never said anything about the machine can and XXXX  you.She also stated they have many happy client as this procedure is not invasive. She states the procedure is painless and you can lay back and read a book.She states that the machine never touches your skin. I was convinced. I paid {$2000.00} for 6 sessions.1 session it was XXXX  but I chose to tolerated the XXXX. The second session was XXXX also. When I was taking a bath and notice a big XXXX   in my XXXX  which became XXXX. I Went to the Dr. and was given XXXX. I was left with XXXX XXXX XXXX  in XXXX. They refuse to refund XXXX to my Care Credit Card. These are two sessions resulting in my issues. I contacted the XXXX  and other agencies to no avail. XXXX sent me an agreement formstating that they would refund my money, if I would stop bad mouthing them and not sue them. I declined. Please help. Thanks.
Product: Checking or savings account

I opened an account with Wells Fargo under the agreement there would be a {$200.00} bonus after a period of 3 months. All requirements were met ( deposits/certain amount spent ) however when I just called the bank to question them why the money wasnt deposited they basically told me during that month there was no bonus? Huh? I opened this account because of the bonus! Just blown away by how deceitful and unhonest this new bank is. Not sure yet if Im going to close it. But its not looking to good so far.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

XXXX. XXXX is reporting my loans with different account numbers breaking the loan down instead of one account number for all the loans combined, they are not seperate. 

XXXX. XXXX XXXXXXXX XXXX XXXX as well as XXXX XXXX XXXX are reporting the same amount with different account numbers as if they are two seperate debts. XXXX XXXX XXXX XXXX sold the account to XXXX XXXX XXXX in which I did not give consent 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

I shouldn't be on a XXXX XXXX XXXX, the case was a XXXX XXXX, It a retaliation case from XXXX, that's longer than XXXX  years it shouldn't be still showing
Product: Credit reporting or other personal consumer reports

XXXX XXXX purchased a car from XXXX XXXXXXXX XXXX XXXXXXXX was the contract servicer. XXXX XXXX sold car loan to XXXX XXXX in the Month of XX/XX/2023. XXXX XXXX is still showing an open loan on my consumer report. If the loan was sold, It should show paid as agreed & or updated to be removed from consumer report. 
XXXX XXXX is reporting old payment history from XXXX XXXX that is incorrect. I did not sigh a contract with XXXX XXXX so how is it possible for them to report payment history from another company. 
How can XXXXXXXX XXXX  report payment history from another car company.? 
I have also sent a Notice of Rescission : rescinding my security interest. I was not given the Notice to Rescind at the time of signing the contract with XXXXXXXX XXXX 
XXXX XXXX was a credit transaction which means I can fill certain tax document to fulfil debt obligations. a 1099 C for cancellation of Debt because it is over {$600.00} ; and it is a bad debt. I have sent both companies a 1099 A- and 1099 C with no response. these forms have been filled with the IRS. 
XXXXXXXX XXXX also just pulled my XXXX credit profile without my permission. 
XXXXXXXX XXXX have been notified to stop reporting until this dispute is resolved. 
I also asked to Opt Out of reporting to my consumer report.
Product: Credit reporting or other personal consumer reports

First and foremost, I must emphasize that my right to privacy is of the utmost importance. I am invoking this right through this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), it is your full responsibility to " exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I am asserting my right under this statute. Kindly ensure that the following information is handled with the highest level of fairness, impartiality, and respect for my privacy. 

Pursuant to 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized these companies to have any permissible purpose. As such, they are in clear violation of this law. I request that these accounts be removed from my credit report as they are negatively affecting my reputation, character, creditworthiness, credit standing, credit capacity, and more. Since you are obligated to protect my privacy, I expect this matter to be addressed with the utmost urgency. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has inaccurately reported my account with a balance of {$580.00} dollars. It accurately reports there were no late payment and the account was closed in XX/XX/2018. My credit report is showing this account as a charge off. Please investigate further.
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.

US DEPT. OF EDUCATION/XXXX  Account Number XXXX XXXX US DEPT. OF EDUCATIONXXXX Account Number XXXX XXXXXXXX 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 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, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts 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
Product: Student loan

I was recently charged {$74.00} on my Navient loans. The transaction detail only says " Rebate Reversal ''. The other thing is though this was a total of {$74.00} it oddly appears as {$30.00} on one loan, {$30.00} on another, and I ca n't even find where the other {$14.00} went. 

I called Navient to talk to them and ask them about this. This was 15 days ago. The person I talked to could not tell me what this was, why I was getting it or where it came from. He did some digging. It said that it looked like I failed to pay one of my loans on time. However, we both went through my transaction history and not only have I always been on time I make multiple payments a month in order to keep interest to a minimum. He said it does appear to be though a violation of an agreement. Which I asked, What agreement, he did n't know. I asked what other loans on my account had an agreement, which again he did n't know. He told me he needed to submit this to somewhere else and they would get back to me within 14 days. I have yet to hear from them. 

The only thing that I can think of remotely of me missing a payment would be XXXX of 2016. This is when Navient upgraded their website and corrupted thousands of peoples student loan information. I could not log in to the website, I could not make payments. I called multiple times, which they should have on record. Every time I was told that I would not be charged any penalties for this because the problem was their fault. They still to this day do not have the new website up and running and I have to go to the old one to do things. Which again, if this outage on Navients side back in XXXX is the reason for me getting charged this rebate reversal, then I should not be charged for Navients mistakes. 

What I want : 1 ) Why was I changed this rebate reversal? 
2 ) What other loans have some sort of agreement? 
3 ) If this was because of the website outage and Navient 's corruption of customer data, then this is not my fault and the money should be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Ive found inaccuracies on my credit report under 15 USC 1681c-2, including unauthorized inquiries. Please remove all unapproved hard inquiries as they are damaging my credit.
Product: Checking or savings account

This Monday ( XXXX ), we used ATM to deposit money at U.S. Bank on XXXX XXXX. 
I had my brother run an errand because I was working. 
But machine malfunction did not deposit money, and I did not get the money back. 
My brother went into the bank and asked the clerk while showing him the receipt. 
The bank clerk told my brother that there were several problems like this today. 
It will be deposited in a day. I came home believing that. 

However, there was no change in the bank account the next day ( Tuesday ) morning. 
I called the call center on the receipt, but I couldn't speak to the manager and the call center employee said the money to go in ten days. 


I asked you to deposit the money today because I needed it, but the clerk said no and told me to wait 10 days. 

When I asked a call center clerk if I could speed up the process, I was told that I couldn't guarantee it. 
I was so frustrated that I asked my brother to do me a favor.I asked him to go to the bank for me. 
( Because it was time for me to go. ) But equally from my brother who went to the bank, I couldn't get the answer I wanted. 
The bank employees said they would not be fined if they visit where they should pay ( here and there ) and explain the situation. 

I think it is wrong for them to make a mistake and pass on the damage to customers. 
This problem is worrying and discredited, time-consuming and they have to compensate in any way. 

I waited one day. Believed them, I visited the bank yesterday ( XXXX ) and I trusted them again waiting for another day again. 
Now I can't wait and not just follow them. 
They have to compensate enough and I'll get it about this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize these inquiries. i have a credit freeze on my credit and i did not provide my personal information to these companies
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : Response to Bonneville Collection 's Claims Regarding Complaint Dear CFPB, I am writing in response to Bonneville Collection 's recent communication concerning my complaint about their unfair and illegal credit reporting practices.

Bonneville Collection claims that I submitted my initial dispute on or about the same day I filed my complaint with the CFPB and that prior to this, there was no record of me requesting validation of the debt. They also mention that this complaint represents their first record that my address differs from the address used at the time of placement. 

I would like to clarify and dispute these claims with the following facts : Multiple False Reports : On XX/XX/year>, and then again on XX/XX/year>, Bonneville Collection reported false information on my XXXX credit report. Initially, they reported that I owed {$110.00}. Subsequently, they changed the amount to {$110.00}. The statement they recently provided indicates a different amount of {$110.00}. This inconsistency clearly demonstrates a lack of accuracy and reliability in their reporting. 

Lack of Validation and Signature : I have repeatedly requested validation of the debt from Bonneville Collection, including a request for my signature to verify any obligation. They have failed to provide this validation. The absence of my signature further supports my position that I do not owe this debt.

Given these points, it is evident that Bonneville Collection has been inconsistent in their reporting and has failed to adhere to the requirements of the Fair Credit Reporting Act ( FCRA ). Their inability to provide proper validation and their contradictory reporting amounts have caused undue harm to my credit score and personal stress.

I respectfully request that the CFPB take appropriate action to address these violations and ensure that Bonneville Collection corrects their records. I also request the immediate removal of all erroneous entries related to this debt from my credit report. If this issue is not resolved promptly, I will be compelled to pursue legal action to protect my rights. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Automotive credit union reported late payments on my credit report which is not true
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent Closed Accounts Resulting from Identity Theft To Whom it May Concern, I am writing to formally dispute several closed accounts on my credit report that are a result of identity theft. These accounts, listed below, were opened fraudulently and have already been removed from active reporting and collections. However, they remain listed as closed accounts, which is inaccurate and negatively impacts my credit report. 

Listed Below are the Fraudulent AccountsThat are Still Being shown in the Closed Accounts section of my Credit Report : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 with a balance of {$840.00} Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), I request that these fraudulent accounts be removed entirely from my credit report, including any reference to closed accounts.

I have provided the following documentation : A copy of my identity theft report ( attached ). 
Proof of resolution confirming these accounts were fraudulent ( attached ). 
Please investigate this matter and provide written confirmation that these accounts have been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated 30-day period. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account online with XXXX XXXX on XX/XX/XXXX through a link they were promoting at the time to receive a {$150.00} sign up bonus. I opened the account through the link online and met the direct deposit requirements within 60 days as they acknowledged in their delayed response in their secure message response ( late XX/XX/XXXX),  after messaging them at least 1-2 weeks earlier. After having already waited beyond the expected timeframe of ~90 days following direct deposit for bonus to post, I still have not received my bonus. I then messaged them again and then they told me to wait 90-145 days after opening the account. I opened the account on XX/XX/XXXX. It is now XX/XX/XXXX, nearly 5 months later ( beyond 145 days ). Still no bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX Inquiry Date : XX/XX/2021 XXXX  Inquiry Date : XX/XX/2021