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 consummer rights to privacy and confidentiality under USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they stated everthing In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXXHowever, they stated everthing was complete and accurate. 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 isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consum reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case was complete and accurate. 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 isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I was flagged as having a delinquent account with the XXXX XXXX XXXX XXXX for a joint credit card under another member, XXXX XXXX XXXX XXXX. This account was under his information and we were no longer in contact for over 4 years before the account was put into collections for non-payment. I was never contacted regarding outstanding payments for this account even though I have an account with the XXXX XXXX XXXX XXXX and had my email, phone, and living residences on file. 

I only found out about the delinquent account when I received an official credit report which showed the damaging effects that it had on my credit score when trying to purchase a home in late XXXX. Throughout the mortgage/loan process I reached out to the XXXX XXXX XXXX XXXX multiple times and they said that they would look into it and eventually someone at their call center said that the case was closed and the flag removed, that was in XXXX XXXX. I also followed up with the debt collector that the account was sent to and they also said that the issue was resolved. I checked back in XX/XX/XXXX and it still shows the delinquent account, it is still hindering my credit score from improving appropriately. 

I filed a dispute request through Transunion in XX/XX/XXXX and there was no change in the issue at hand so it said to go through this site for next steps. 

I'm looking to get this removed from my account, credit report, etc so that I can financially move forward without the damaging effects from another person continuing to hinder my credit.
Product: Credit reporting or other personal consumer reports

Experian credit is reporting the f Subject : Complaint Regarding Inaccurate Credit Reporting Pursuant to FCRA Section 1681i ( 5 ) To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information on my credit report, as provided by [ ]. I am concerned about potential violations being reported by Experian of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681i ( 5 ). 

The inaccurate information pertains to the following accounts : Account with XXXX Date XXXX : XX/XX/XXXX Balance : {$230.00} Status : Account charged off. {$230.00} written off. {$230.00} past due as of XX/XX/XXXX. 
Account with XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Status : Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
Account with XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$180.00} Status : Account charged off. {$180.00} past due as of XX/XX/XXXX. 
Account with XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$92.00} Status : Account charged off. {$92.00} written off. {$92.00} past due as of XX/XX/XXXX. 
Account with XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Status : Account charged off. 
These inaccuracies are not only damaging to my creditworthiness but also a violation of my rights under the FCRA. As per Section 1681i ( 5 ), I am entitled to have these inaccuracies promptly corrected. 

Enclosed, please find copies of my credit report highlighting the discrepancies and supporting documentation. 

I request that the CFPB investigate this matter promptly and take appropriate action against the credit reporting agency to ensure compliance with the FCRA. 

Thank you for your attention to this matter. 

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

I am sending to formally dispute an account that appears on my credit report, which I believe is the result of identity theft. The account in question is listed with the following details : 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 I have no knowledge of this account, and I am certain that it does not belong to me. I believe it is the result of identity theft, and as such, I am requesting that the account be removed from my credit report. 
I have attached my FTC Identity Theft Affidavit, which outlines the fraudulent activity and details the accounts that were opened in my name without my consent.

I request the following : 1. Immediate Removal of the XXXX XXXX account and any other fraudulent accounts from my credit report. 
XXXX. Removal of any other information reported from my FTC Identity Theft Affidavit ( including addresses, accounts, and other details ) that do not belong to me. 
XXXX. Confirmation of the removal of these accounts from my credit file, along with an updated copy of my credit report showing the corrections.
Product: Payday loan, title loan, or personal loan

After making two payments the principal amount of the loan has not gone down. I feel I have been deceived because XXXX requires a new loan with each payment and the amount of payment I am scheduled to make does not get applied to the principal amount of the loan making it impossible for me to pay off the loan.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under RMP Services LLC. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize but should have been covered in full by insurance/Medicaid. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid and in fact received a notice that the accounts would be removed. I do not believe the accounts belong to me as it should have been paid by insurance/Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct and that the charge is not covered in full by insurance/Medicaid.
Product: Credit reporting or other personal consumer reports

Is in violation pursuant to section 623 of the FCRA, if the investigation is not complete within 30 days XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently been in constant contact with XXXX, Experian, and XXXX  in regards to several accounts reporting on my credit file that were established without my knowledge or consent. After speaking with the local authorities, I was instructed to fill an identity theft report from the federal trade commission. Since I've completed and mailed out the form which included accounts that were from the direct result of identity fraud, I have yet to receive any cooperation or accurate verification from Transunion, Equifax, or Experian consumer reporting agency. I also included several addressed being reported on my credit file that I were never associated with. It now has exceed past the 30 days that the Fair Credit Reporting Act requires for the bureaus to provide accurate verification has Experian has failed miserably. Experian in addition has failed to block under section 605b upon being notified within 4 days of identity fraud related accounts being reported. Sections 609 and 611 also have been violated in regards to provided accurate verification and identity theft. The accounts related to identity fraud are 1. XXXX XXXX  XXXX  # XXXX, XXXX 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 reporting, credit repair services, or other personal consumer reports

I have attempted to make contact with Acima XXXX XXXX XXXX to validate this debt they claim I owe. I haven't received any type of verification, response, etc. but Acima can verify with XXXX on XXXX XXXX, 2022 picture attached below. Why can not they reply to my validation letter that was sent XXXX XXXX, 2022? ( Picture attached )
Product: Debt collection

Our son got injured in the school premises. The school took full responsibility to pay for any bills. However, their insurance took a long time to payoff. So we paid off the USCB on time in order to ensure our credit does n't get affected. A few months later the school 's insurance company paid them the full amount. The amount was paid on XXXX/XXXX/2016. USCB has still not issued my refund till date. They refuse to tell me whats going on and keeps me holding the phone. I just want my money back!!
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account ; XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I was reached out by Cedars Business Services , LLC for some amounted owed to XXXX I have never order such products, some has misused my name and XXXX account and ordered the products. 

I have called Cedars Business Services , LLC and asked for additional information which they never provided, and reported them that some one missed my identity, they have asked me to visit police station..which I have never done in my life I am in serious trouble as they have showed up on my credit collections, I have never given my social to either XXXX  or Cedars Business Services at any point of time and I am not sure how these collections showed up on my credit, which I do not owe at all Please help me in getting this resolved and get the collections removed from my credit as a mistake
Product: Debt collection

I am contacting an attorney after this email. Resurgent Capital Services XXXX XXXX XXXXXXXX XXXX SC XXXX XXXX is trying to collect a XXXX and XXXX old debt that is not mine and is DEFINITELY NOT THEIRS!!!! THIS IS RIDICULOUS AND SHOULD BE ILLEGAL! THIS BETTER NOT SHOW UP ON MY OR ANYONES CREDIT BEING NEARLY 16 YRS OLD GET A LIFE AND A REAL JOB WORKING FOR YOUR MONEY!!!!!!! THEY DO NOT EVEN HAVE A CORRECT NAME FOR THE ADDRESS! AFTER 15 YRS I AM CERTAIN THEY HAVE NO INFO ON ANYONE, PATHETIC!
Product: Student loan

I have been enrolled in Income-Driven repayment for nearly 10 years. Part of being in IDR is that you must pay a defined number of payments to receive forgiveness ( in my case, XXXX ). Recently, my servicer was changed ( not voluntarily ). 

With the new services, I noticed that they have zero payments recorded. All of my previous payments were recorded with my previous servicer, so I have no record of them. 

I called to ask where I could see how many qualifying payments I've made toward forgiveness, and they told me I that I can not access them on their website. This number is also not listed on the Federal Student Aid ( FSA ) website. I can only access this number by calling the company, and in the course of one phone call I was told two different numbers for my qualifying payments. 

This is crucial information that should be available with all other account information. Its should not be a XXXX process to find out how many qualifying payments I have made toward forgiveness. 

As we see how flawed the forgiveness process is, I believe step 1 to rectifying this situation for millions of borrowers is to provide them crucial information about their loan and hopes of repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with this Fair Credit Reporting act, the list of accounts below has violated my federally protected sonsumer rights to privacy and confidentially under 15 USC 1681. 
The following accounts, Account Name1 : XXXX XXXX. 
Account Number1 : XXXX Account Name2 : XXXX XXXX Account Number2 : XXXX Account Name3 : XXXX  Account Number3 : XXXX Account XXXX : XXXX XXXX XXXX  Account NumberXXXX  Account Name5 : XXXX XXXX Account Number5 : XXXX Account Name6 : XXXX XXXX XXXX Account Number6:XXXX Account Name7 : XXXX Acccount Number7:XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 and other adverse item of information, other than any records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681 s-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 believ that the information is innacurate.
Product: Payday loan, title loan, personal loan, or advance loan

This is the second time in two months that the TitleMax online payment portal has been down. They offer to take a payment over the phone, but that is not secure, they also say you can come to the store, but that would cost valuable time during the day and gas money. They explicitly offer this online portal and then do not maintain it properly. When unable to make a payment online, that increases the amount of interest that is building up on this loan. Meanwhile nobody is able to answer when the portal will be available and operating. As I stated earlier, this is not a one time occurrence.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

hi we have been american express customers since XX/XX/XXXX having owned a centurion, platinum, gold, blue business plus, business platinum, simply cash and business gold i was an amazing customer never made a late payment always paid in full spent about XXXX XXXX dollars a year! i truly loved my cards and amex!! but now i am mad at amex they cancelled all my business and personal cards without notifying me .... they blaimed it on the bankruptcy basically, one of our old companies that we used to do business with, filed chapter XXXX bankruptcy under its tax id i have a perfect almost 800 credit score as i did not file bankrupcy and even thought the company we have not done business with for many years, went bankrupt they went and cancelled all my cards even my personal centurion   and platinum and gold,,,,, i am horrified at them i think everyone has american express cards should cancel them and run away as fast they can and go to XXXX XXXX or XXXX  i have other cards like XXXX  XXXX and XXXX and they ofcourse did not cancel any of my cards only amex can do such a terrible thing not only that it gets even worse can you imagine they refuse to refund any annual fees i just paid or even the {$7500.00} initiation fee i spent to open the centurion card that is true stealing its like buying something and not receiving it and then the seller refused to refund you complete robbery ... and this is american express run fast lets see what american express will do on my behalf and if they WILL refund any fees will keep you all posted on what happens
Product: Credit reporting or other personal consumer reports

I was not aware of a collection on my reports and I sent a dispute to the consumer reporting agencies in order to get this information removed as I was not properly notified of said account. I sent the notice back in XXXX and I havent gotten any investigation results. The FCRA says that at maximum they have 45 days to conduct an investigation, however its been over 45 days since I sent my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection and It is in violation of Metro 2 Compliance. 

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Eradicate now or amend as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX XXXX XXXX XXXX all negative aspects of the illegal claims following : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX I made my XXXX mortgage payment ( XXXX ) on line with Chase Bank. On XXXX, I received a notice from my bank ( XXXX ) that my checking account had a negative balance of XXXX. I reviewed my account and Chase Bank had taken out XXXX payments, instead of XXXX. I contact them on XXXX and was told that XXXX could not be credited back the same day. But it would be back in my account on XXXX on XXXX the funds had not been put back into my account. I contact Chase and was told that, because the entire amount of XXXX was not being return, then I would have wait for a paper check to be sent out. I advise the associate to transfer me to a manager, she confirmed that her manager would speak with me, but she was ending a meeting and would take the call. She then came back and advise that her manager advise her that she would need to call me back. She provided me her manager 's phone number XXXX, but I did not understand the name. I then left a voice message for the manager, as she had requested. I called the manager back and received her voice mail again, I explain to her that my account was in negative and that I need to confirmed that funds would be credited back to me today. I then advise that I would be filing a complaint with the CFPB and that I would also being sending an email to the CEO.
Product: Credit card or prepaid card

Today my credit card account was closed. I did not receive adequate notice that my account would be closed. Nor did I receive a reason via mail or email on why the account could be closed. I contacted Capital One and they stated that they closed my account because of possible fraud. It stated that the method of payment was unverifiable but I have used the same bank account to pay my bill the same way every month. I submitted a XXXX payment on the XXXX of XXXX. I did not receive any notice from my bank or from Capital One stating that this payment was not authorized. The payment posted and credited back to my account just like it does every month. They did not reverse the payment or anything. This is unfair and inaccurate business. My account was in good standing and I never missed one payment since having this account. I am not even able to prequalify for another account which is unfair.