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

I as a consumer am writing to file a formal complaint against XXXX, XXXX, and Experian concerning inaccurate information and privacy violations on my credit reports. 

All three credit reporting agencies, XXXX, Experian, and XXXX, have reported inaccurate debt collection information ( XXXX XXXX XXXX ) on my credit reports, damaging my creditworthiness and violating my rights under the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

The inaccurate reporting constitutes a violation of my privacy rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ). The Act requires each agency that maintains a system of records to restrict the collection of information to only the information relevant to the purpose, to ensure the information remains accurate, to collect information directly from the subject whenever possible, and to tell the subject the purpose for which the information is being collected and the authority under which it is being collected. 

The account clearly reports inaccurate open dates, last reported dates, and last active dates between ( XXXX, Experian, XXXX ). 

The credit reporting agencies failed to follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit reports, as required by 15 U.S. Code 1681e- Compliance Procedures.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Lastly, XXXX XXXX XXXX is a collection agency. The account reported is an inaccurate collection/chargeoff account, which is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as gross or ordinary income, and income does not get reported to a consumer report. 


I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to rectify the inaccuracies on my credit reports, ensure compliance with relevant laws, and protect my consumer rights. I have attached supporting documentation, including evidence of the inaccurate debt collection information. 

I demand XXXX XXXX XXXX, account # XXXX to be deleted. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your efforts in upholding consumer rights.
Product: Credit card or prepaid card

In XXXX of XXXX I ordered a table from XXXX XXXX XXXX. To receive free shipping and a discount I was offered to open a XXXX XXXX Visa card, sponsored by Comenity Bank. The table was to be delivered in early XXXX. It was postponed 7 times and in XXXX without the table I was charged on the account. I sent in a {$1000.00} payment, leaving a balance of {$1600.00}. The table continued to be delayed and in XXXX the item arrived in the wrong color. After several of months and dealing with a Ms. XXXX XXXX from Corporate Intervention the table was not available. I asked for my money to be returned. Miss XXXX credited the account on XX/XX/XXXX for {$990.00} which included service charges from the bank that the company uses Comenity Bank. I have called the bank several times and requested closing the account and a return of my credit balance. The first week of XXXX  I was told they would mail me a check. Two weeks later I checked and they said they would deposit to my checking account and asked for the routing and account number. That deposit was never made. Ten days ago I called again and they said a check was cut because my account number was wrong. They have had my money since XXXX and this bank is giving me the run around as did XXXX XXXX did.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and their responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Checking or savings account

I made some mistakes about filling disputes which were made by mistake. USAA has my checking account under review for potential debit card disputes. This isn't true I had canceled most of the disputes that were made by mistake & I requested recent ones that were filed by mistake. Sometimes the bank got wrong transactions and disputed them. But I would like the dispute feature to be disabled on my account. So no disputes can be no longer filed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am the consumer, and in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agencies Transunion, XXXX, and XXXX by mail of the specific XXXX they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). Block and remove the XXXX that I have requested to be removed from my consumer credit report
Product: Credit reporting or other personal consumer reports

I think FCRA 605B says wrong accounts should be taken off credit reports. Please check the documents. Some accounts are wrong on my report, making me upset and sick.
Product: Student loan

On XXXX I made a payment for {$1000.00} on my student loan, when I only had {$210.00} due. A week later, it said my account balance was overdue & the payment was reversed the same day. Again, on XXXX, I made a {$1000.00} payment & today, XX/XX/ it says my payment was reversed on the 6th after I checked, the payment had gone through. 

Customer service refuses to call me back, Ive tried waiting on hold for a human. The chat bot doesnt work. 

Ive now accrued interest of {$140.00} and Im now 2 weeks in to being overdue. Im very frustrated because this makes no sense at all.
Product: Credit reporting or other personal consumer reports

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, TransUnion, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information.

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, TransUnion, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, TransUnion, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, TransUnion, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

On XX/XX/19 I mailed a request, of the disclosure of the nature of the information used to turn down my request for a credit card from BBVA Compass. I have yet to receive a written response as of XX/XX/19.
Product: Checking or savings account

I paid a lot of money in nfs fees, and unable to receive my refund.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto loan is showing late payments when it is not actually late. As well as the balance is incorrect. I have checked all three credit bureaus and all three information is inaccurate and show different information. From the comments, to date of last activity, to months reviewed. As well as I saw a recent article from the CFPB in regards to XXXX XXXX reporting incorrect information on auto loans. My auto loans is with : XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXngelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit report acXXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Checking or savings account

I am writing to express my extreme frustration and concern regarding the delay in making my payroll deposit available in my bank account. Today is my scheduled payday, and yet my funds are not available. 

I have been informed that the bank is working to resolve this issue, but it has already taken too long, and I have no other available funds. This has put me in an emergency situation, as I need the money to cover my basic needs for my and my children. 

I expect immediate action to be taken to resolve this issue and make my funds available as soon as possible. 

I appreciate your attention to this matter and look forward to a prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

This debt is not mine Im seeking full validation of this debt that includes original documentation and or bank statements anything with my signature. I was given a copy of a bill that has no signature no information at all that says it belongs to me there for it is not proper validation of debt.
Product: Credit card or prepaid card

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has inaccurately reported a collections account that has been previously validated as fraudulent and removed by other reporting agencies. The bank is attempting to collect {$3100.00} for an invalid debt that it has failed to properly verify. Despite providing substantial evidence confirming the fraudulent nature of the account, XXXX XXXX XXXX has refused to remove the inaccurate information. 
Repeated attempts to dispute this matter via mail, phone, and the Consumer Financial Protection Bureau ( CFPB ) have been ignored or dismissed. The bank has been presented with official documentation from other credit reporting agencies verifying the removal of the fraudulent account, yet it continues to report this invalid debt. 
This issue is urgent, as it has persisted for over two years and has significantly impacted my credit scoreresulting in a disparity of over 100 points between my XXXX report and other credit reports. As a result, I have been unable to secure housing and financial opportunities. The specialized staff responsible for reviewing this account should be held accountable for the financial hardship their actions have caused. 
I formally request the immediate removal of this fraudulent account and all associated personal information from my credit file. Failure to rectify this matter constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I expect prompt action to resolve this issue without further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account account # ending in XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions 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 any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet reported on all 3 credit bureaus that I had a student loan taken out with them. I have never applied for a student loan, I have never received a student loan, and I have never signed a contract for a student loan. This fraudulent loan was taken out. I have called Nelnet several times, police/detectives have called Nelnet several times and Nelnet refuses to send information or provide information over the phone. Nelnet has mailed information with 3 different names, 4 different addresses, and emails/phone numbers that have never belonged to me. This fraudulent loan has caused so many issues for me, including killing my buying power. I was unable to purchase my home because of the FRAUDULENT loan. 

At one point all 3 credit bureaus removed this fraudulent loan from my reports and then Nelnet provided XXXX with more false information and it is back on my credit report fraudulently. They are reporting payments being made that I never made on this fraudulent loan along with other false information that Nelnet is providing to the credit bureaus without my consent, knowledge, and without factual proof.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

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

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

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

I have been trying to close this account for a month. They told me to withdraw the money and I would be able to close the account. I withdrew the money and called to close the account. They said that I had to wait 5-10 for the balance to show up as XXXX. I waited and then called to close the account. These scam artists told me that I couldn't close the account because I owed {$260.00}. I told them that I was going to file a federal complaint -2 secs later the man said I know " I just checked the account and it now has a XXXX balance so I will submit the paperwork and you can call back in 5-10 more days when the account will be closed. '' That is only because I threatened to file a federal complaint. I spoke with XXXX XXXX at XXXX XXXX XXXX at XXXX on XX/XX/18 regarding claim number XXXX. If you pull the call, you will here him trying to scam me. 

This bank is probably scamming people left and right. I need this account closed! The hold time for each call is 45 minutes to an hour and a half! Every. Single. Call. 

I want this account closed and I am not paying these scammers any money to close it.
Product: Student loan

Below is a summary of events : -My son was seeking employment in XXXX XXXX 
-He began working with XXXX XXXX XXXX XXXX XXXX XXXX  -They help you prepare to interview for and secure a tech sales job after which time you owe approximately XXXX. 
-If you can't pay it all at once, they offer financing -We had less than perfect credit, so our interest rate was high at 20 % -They list themselves as a school with the financing company -On our credit reports, it is actually listed under my school loans -My son received XXXX job offer from a company called XXXX XXXX, so he took it. 
-He was laid off within a week and XXXX even though he was over 100 % of his quota. My son received a recommendation from the company and a small severance. His manager was laid off as well.

-My son mentioned that he recently noticed that not many people still work at XXXX in his previous position. 
-I contacted XXXX XXXX Mentors regarding the monthly installment due of over {$500.00}, stating that my son was laid off. They agreed to let us pay {$50.00} a month for XXXX months and if we needed more time then to let them know. We were told we that would keep our account in " current ' status with the credit bureau. See the message below : Alternate Repayment Options {$50.00} payment plan up to 3 month we need the first {$50.00} dollar payment to start the processing period on the request and when our processing team finishes that we would reach back to you with the further detail to proceed. 

-My son recently found and started working at another job ; XXXX months from the time he was laid off. Obviously, he is behind on bills and still catching up. My son even has a rental assistance application for the month of XXXX. 

-Climb Credit has been reporting us late despite the agreement, which is having significantly negative effects on our credit. I told Climb we needed more time and wanted to continue a smaller payment plan amount for a little while longer. 

-This time, I was harshly told I had to submit a request for financial assistance. I submitted the request on XX/XX/XXXX. I never received a response. I followed up several weeks later and the agent had no answers. 


-Meanwhile, Climb mortgage keep reporting us late to the credit bureau XXXX and demanding payment in full ( over XXXX ) for a job he had for less than 10 days. 

-Just a few days ago, I received an email about a payment arrangement where we are to pay {$50.00} by XXXX and then resume the regular payment amount which is over {$500.00} a month by XX/XX/XXXX. We received notice several weeks past the XX/XX/XXXX due date. Never received a return phone call from customer service -Then my son began receiving emails and calls from XXXX XXXX XXXX saying you haven't paid us. Calling him during the work day. He was confused because he thought Climb Credit paid them and we had to pay Climb. 

-Little to no response about the financial hardship application submitted on XX/XX/XXXX. Trashed our credit and now they want us to hurry and pay while they further damage our credit. 

-Not sure if the entire operation is a scam, and/or predatory lending practices on people in vunerable situations. 
-
Product: Debt collection

I received a bill from PRA Receivables attempting to collect on an account formerly owned by XXXX Bank. The charges on the account were disputed due to there being charges not authorized on my account, and I refused to pay on those charges, or the interest/fees accrued as a result. XXXX Bank sold my account with the full knowledge that these charges were not valid. PRA has refused to verify the debt, and has refused to provide the documentation I requested on XX/XX/2018 for such verification. I sent a followup notice on XX/XX/2018 to notify PRA that any further collection efforts violated FDCPA, and I have received 2 bills by mail since, but still there is no sign of the documentation I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Incorrect personal information To Whom It May Concern, I am writing to update/correct my personal information on file with your agency. 
Please update my name to : XXXX XXXX. 
Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only social security number ends in XXXX My only and correct date of birth is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card company is inaccurately reporting payment date. I began a dispute with XXXX on this account but I noticed something today that was left out. The original account has incorrectly listed a payment date. I can only guess that this is a purposeful made with the intent to extend the date of expiration. I have never made any payment to this bogus account and I would like the company to be held liable for this dishonest business practice. It has been inactive since XX/XX/XXXX not XX/XX/XXXX. One phone call to the creditor will verify this. I would also like XXXX to be made aware of this and I can not notify them when there is an open dispute