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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 card or prepaid card

XX/XX/XXXX On XX/XX/XXXX my card was cancelled without my permission by XXXXl Pre-paid. 

I was informed by XXXX Pre-paid representative stating, " our records show that we received your request on XX/XX/XXXX. Your next update regarding the status of the dispute will be available on XX/XX/XXXX ''. 

As XXXX XX/XX/XXXX, customer is unable to use XXXX pre-paid card? XXXX is withholding customer funds and can not make a purchase. 

Customer must make a purchase by XX/XX/XXXX. If funds are not placed back onto card immediately or by XX/XX/XXXX, customer will not received services. 

Customer has requested full amount of {$100.00} onto new card provided by XXXXl Prepaid Company. 

XXXX XX/XX/XXXX There was unauthorized transactions made on my XXXX   Pre-paid MasterCard : Number : XXXX XXXX XXXX XXXX Valid Thru : XX/XX/XXXX XXXX : XXXX Customer would like to dispute the transactions and a refund immediately for the following amount. 

XX/XX/XXXX XXXX XXXX XXXX Posted on XX/XX/XXXX at XXXX Memo : Debit : Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX Card ending in XXXX {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX Memo : Debit : Signature purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card ending in XXXX {$13.00}
Product: Student loan

I had to submit this on XXXX and now Aidvantage is doing the same thing. They are refusing to check the clearinghouse for my student status even though I've been on it for a couple of months ( school verified ). They are trying to make me fill out paperwork which they know will take longer than the payment is due. I think they are ticked off payments were suspended for so long and are desperate to get them anyway they can including ignoring/cheating.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry to my credit report was pulled by equifax on XX/XX/2022 for XXXX XXXX bank XXXX. XXXX XXXX  XXXX XXXX, Co XXXX phone number XXXX. A fraudulent online checking & high yeild investment account was opened after the inquiry with XXXX XXXX bank on XX/XX/2022. The company was quick to recognize the fraudulent account and closed it on XX/XX/2022. A financial crimes risk management specialist was immediately placed in charge of this issue and contacted me right away. They have been good in contact with me. 

I asked for copies of thier data that from the person who applied and opened a fraudulent account including any information that person has used. Under the Identity Victim bill of rights I am allowed to request these proof documents for my own legal needs. I have not been able to do that and have waited several weeks to get a response after they responded to me regularly before.
Product: Debt collection

I have asked One Main Financial NOT to contact me or my husband at our place of employement do to it interferring with our work. They have since then called me XXXX on my work number.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint regarding unauthorized and inaccurate credit inquiries appearing on my credit report, which I believe violate federal law under 15 U.S.C. 1681n and 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

Details of Complaint 1. Violation of 15 U.S.C. 1681b Permissible Purposes of Consumer Reports According to this statute, entities are only permitted to access my credit report with my express authorization or for specific permissible purposes, such as processing a credit application I initiated. The credit inquiry by [ Name of Creditor/Company ] on [ Date ] was unauthorized, as I never applied for credit, gave consent, or engaged in any transaction with this entity.

2. Violation of 15 U.S.C. 1681n Civil Liability for Willful Noncompliance I believe that [ Name of Creditor/Company ] willfully violated the FCRA by obtaining my credit report without a permissible purpose or my consent. This unauthorized inquiry not only harmed my credit score but also violated my privacy rights as a consumer.

Supporting Documentation I have attached the following for your review : A copy of my credit report with the unauthorized inquiry highlighted.

Correspondence with [ Name of Creditor/Company ] ( if applicable ).

Any additional evidence demonstrating the lack of authorization.

Impact and Resolution The unauthorized inquiry has negatively impacted my credit score and financial standing. It is critical that this violation is addressed promptly to protect my rights under the FCRA. I trust the CFPB will take appropriate action to investigate and ensure the removal of this inquiry from my credit report. 

Thank you for your time and attention to this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im really frustrated with how my credit score has been hurt by inaccurate and unverified information on my report. Its not right that this incorrect info is dragging down my score and making it hard for me to get things like loans and credit that I should qualify for. Its been affecting my financial situation in a big way, and its unfair that these mistakes havent been fixed.
Product: Debt collection

The given number is my employers number. XXXX collection called my office number in an attempt to collect a debt. When I asked if that broke fair debt collections practices act, representative XXXX said no and supervisor XXXX hesitated.
Product: Credit reporting or other personal consumer reports

Under the FCRA Law All information reported inaccurate does not suppose to be on a consumer report. I have disputed the Bankruptcies off of my report continuously to get it removed and reinserted with Equifax. They stated that ( Furnisher ) XXXX is reporting. Reinsertion In Your Credit File Of Previously Deleted Information. 

Reinsertion under the Fair Credit Reporting Act ( FCRA ) means that a credit bureau has started to again report inaccurate information that was previously disputed by a consumer and removed or suppressed by a credit bureau XXXX, Equifax, and XXXX, and others from the consumers credit file. Reinsertion often happens when a disputed/deleted account trade line is sold by the original creditor to a debt collector. Though less common than when a deleted debt is reported to a credit bureau by a collection agency, unlawful reinsertion also happens when the original creditor falsely certifies the accuracy of a bogus debt. 





The furnisher of the information certifies that the disputed information is accurate ; and The credit bureau notifies you in writing within five business days of the fact that it has reinserted the previously disputed information. Equifax did not notify me of such.. In that written notice, the CRA must also provide you with contact information for the furnisher that certified the accuracy of the disputed information. 
Reinsertion can be a serious violation of the Fair Credit Reporting Act. If you suspect that one or more credit bureaus unlawfully reinserted information into your credit file ( if previously disputed and deleted information has reappeared on your credit report ( XXXX ) ), you have the right under the FCRA to again dispute the inaccurate information. multiple times of the inaccuracies and they deleted it in XXXX and reinserted this year ( XXXX ). Stating that it was never deleted. It was and I have uploaded documents to represent my statement. The Credit Bureaus has been refusing to follow the FCRA Law pertaining to consumers report especially Equifax. they make Billions of dollars in revenue to ignore our complaints and to keep inaccurate information on consumers report. This is against the Law. 

The inaccurate reporting constitutes a violation of the FCRA, particularly : 1. 15 USC 1681e : Accuracy of Information : The FCRA mandates that consumer reporting agencies ensure maximum possible accuracy of the information contained in consumers credit reports. The inaccuracies present in my report directly contravene this agreement. 2.15 USC 1681i : Duties of Furnishers of Information to Consumer Reporting Agencies : This section holds furnishers of information responsible for providing accurate data to consumer reporting agencies. any failure on their part to do so is a direct violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my job during Covid 19 XXXX of 2020, Wells Fargo had me on a forbearance during this time unaware with no notice they started reporting my account late. I called emailed disputed information being unfair an inaccurate I have not heard back from them I have restructured my loan and I'm current however these late payments are keeping me from obtaining credit this is not right!
Product: Credit reporting or other personal consumer reports

Today I discovered that Experian has been publishing my employer as " SSDI XXXX '' publicly, which is a violation of federal regulations that protect healthcare information. I have tried to gain access to the records and update them, however this does not repair the damage that this company may have already done, as they have been publishing this information for several years. Experian and the company which reported the employer to Experian, are in violation of the Health Insurance Protection and Portability Act.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year>
Product: Debt collection

3rd Request : Request for Debt Verification Regarding Recent Collection Notice I have no prior knowledge of the debt in question, and to the best of my recollection, I have not entered into any agreement or arrangement with your agency regarding this alleged debt. Given this circumstance, I believe it is within my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request verification of the debt in question. 

As per the FDCPA, specifically outlined in Section 809 ( b ), I have the right to request validation of the debt. This section states : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; and ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. '' In accordance with this provision, I am formally requesting verification of the debt mentioned in your recent communication. I kindly request that you provide the following information : The amount of the debt. 
The name of the original creditor to whom the debt is owed. 
Any relevant supporting documentation validating the existence and legitimacy of the debt. 
I understand that, as per the FDCPA, upon receipt of this request, you are obligated to cease collection efforts until the necessary verification is provided. I appreciate your prompt attention to this matter and look forward to resolving any discrepancies regarding the alleged debt.
Product: Checking or savings account

I opened up a higher APY savings account at Citizens Access. Money went into the account from XXXX XXXXXXXX XXXX without issue. Money is sitting in the Citizens Account, but this bank will not issue debit card or give me online access to move it. I called them and was told they would initiate a transfer in XXXX business days to the originating account. I suspect this will not happen.
Product: Credit card or prepaid card

I went to Truist Bank to open a business account and was approved. A few days later i went back to apply for a business Credit card, I gave XXXX and other information. Later i received a letter in the mail saying I was denied my business credit card with no reason given. Along with a letter saying they are closing my business account with no reason given.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX 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
Product: Debt collection

I have been trying since XXXX of 2015 to have this XXXX XXXX XXXX debt taken off my credit report. I first contacted portfolio Recover in XXXX via a credit company asking to have this debt removed because it was not mine. It is being reported on my credit report from this company twice for the same dept in the same amount. In XXXX I made XXXX attempts with a direct call to the company. I was told the XXXX time a Identity theft packet would be mailed to me. I received that packet, filled it out and returned it. A few weeks later after not hearing from them I called them. They said they did not get it. I was told to download one and fax it to them at XXXX. I did that twice. I call them back a XXXX later, they side that did not receive it. I faxed it again, called the next day and they still had not received it. I called them back again the following day hoping they received it but they still did not. I was told they would put it through their system again and send me out another packed to fill out an send in again. All my personal information is floating out there somewhere per there request. I am positive I will incur something negative on my report for their lack of business practices.
Product: Money transfer, virtual currency, or money service

PayPal has charged me two fees of {$1.00} on my debit card without my knowledge or consent. When I tried to call them several times I was treated rudely, refused a supervisor or even someone who could speak correct English! THEY DID NOT HAVE MY CONSENT TO CHARGE MY CARD AND DID IT FRAUDULENTLY AND REFUSE TO RETURN MY MONEY ADMIT THEY STOLE IT IN THE FIRST PLACE OR LET ME SPEAK TO A MANAGER! PayPal is a horrible company!
Product: Debt collection

Dear Sir/Madam, I am writing to file a complaint against Amsher Collection Services regarding a debt that has been inaccurately reported and pursued for collection. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, I believe that my rights have been violated, and I request your assistance in resolving this matter. 

I have recently been contacted by Amsher Collection Services regarding an alleged debt in the amount of {$2500.00}. However, after careful review of my financial records, I can confidently state that I do not owe any such debt to Amsher Collection Services or any other entity.

According to 15 U.S. Code 1692c, if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for communication regarding the debt to cease, the debt collector shall not communicate further with the consumer with respect to such debt. I have sent written notifications to Amsher Collection Services disputing the validity of the debt and requesting that they cease all communication with me regarding this matter. 

Despite my written requests, Amsher Collection Services has continued to contact me regarding the alleged debt, which has caused undue stress and XXXX. Furthermore, they have reported this debt to credit reporting agencies, negatively impacting my credit score and financial standing. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Amsher Collection Services for their violations of the FDCPA. Additionally, I ask for your assistance in having the inaccurate debt removed from my credit report, as it is causing significant harm to my financial reputation. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to rectify this situation and uphold the rights of consumers under the Fair Debt Collection Practices Act.
Product: Credit card

My name is XXXX XXXX, On XXXX/XXXX/2015 I logged onto my online Capitol One Account and requested to close my account. I had no balance due at the time. I began an online chat with a Capitol One associate and proceeded to begin to close my account. Before closing the account I asked the capitol one associate, if I owed anything on the account. He replied " No '' rather he told me that I had credit for {$2400.00} in which they were going to mail to me in the form of a, " credit balance refund check. '' On XXXX/XXXX/2015 I received a check from Capitol One for {$2400.00} and notification that my account was closed. 

On XXXX/XXXX/2015 I was billed {$3000.00} by capitol one for a " CASH ADVANCE ADJUSTMENT '' On XXXX/XXXX/2015 I was again billed {$3000.00} by capitol one for another " Adjustment '' I apparently now owe Capitol One {$6000.00}, 2 months after closing my account and receiving a " credit balance refund check. '' for {$2400.00} from them. May I please add that my account with them had a {$3000.00} CREDIT LIMIT! How can I possibly owe them {$600.00}?? Now my credit is being affected, I do not know what to do and need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 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 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Accounts : DEPT OF ED/XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, 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, XXXX XXXX # 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. 
Inquiries : XXXX  : XX/XX/2021
Product: Student loan

This has been going on now for about 2 years. I asked for information about billing and coding and that when the calls started. At the time I was on a wait list to get into the XXXX program. when I finally decided to get into the program, I was told I could do the program at my own pace. XXXX did not tell me anything else about fundamentals. So I write a email to the school about taking something I don't need. Also I didn't even get a chance to even start classes. So this is my whole issues. Why am going to pay for a class that I did not even take. They sent books and that was it. I only have a responsibility to pay for the books that's it. I have tried to contact XXXX and Launch and all I do is get the run around about who i can talk to about the loan. I have even asked for contact of a Ombudsman on each side and no one has given me any information. At this point that account is on my credit report and has my XXXXredit score in the dumps, just because of this one account. I feel this is a scam because they never give you any precise information to solve my problem. I need help to get them off my credit report and they need to be investigated. I had to block them form calling me everyday.