23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022, I received a letter from Commercial Acceptance Company about a debt collection from XXXX XXXX XXXX for an amount of XXXX. It stated that I refused to cooperate and pay the debt with request to pay within 5 days, but I I dismissed this as I believed it was a scam as I have not used any services at all and do not live anywhere near XXXX XXXX XXXX. 

Sometime in XXXX, the debt appeared in my credit report. I submitted a dispute with XXXX on XX/XX/2022 stating that it was incorrect, but the result were found accurate after that. 

I contacted the company and stated the information above and they said to submit a police report as this may be identity theft. I looked further in my credit report and saw incorrect name and a New Jersey address in my report which is very incorrect as I have never lived anywhere near New Jersey. With this I re-submitted the dispute with XXXX on XX/XX/2022 to remove the debt and to remove the address and name that was incorrectly in my report. They remove the incorrect name and address, but still stated the debt as accurate. 

I submitted the police report on XX/XX/XXXX ( I was on vacation so couldn't submit it beforehand ) and sent the letter to the collection agency sometime in XXXX. I also submitted an identity theft report. 

As of now I have not received any feedback from this and the debt is still in my report. Not sure what next steps to follow.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person, I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 
According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Student loan

I am requesting the XXXX % Formula to begin Rehabilitating my Student Loans. 
My Servicer EOS-CCA is not following the U.S. Department of Education Guidelines for determining my monthly payment. 
They are saying I have to take my Gross Income, rather than AGI, which is not correct. 
The XXXX % Formula clearly states : XXXX % of difference between Adjusted Gross Income ( AGI ) - XXXX % of Poverty Level for Family Size of XXXX ( my family size ). 
XXXX & ( XXXX estimated ) AGI = XXXX ( I provided XXXX IRS Form XXXX & XXXX Form XXXX ). 
XXXX Poverty Level Family of XXXX = XXXX ( www.federalregister.gov ) @ XXXX % = {$17000.00} Difference = - {$870.00} Minimum Payment = {$5.00} / mo. 
I have the right to Rehabilitate my Student Loan using the Department of Education XXXX % Formula and they are not following the law. 
Please advise what I can do to get my Loan Rehabilitation started when the Servicer ( EOS-CCA ) is not playing by the rules. 
Is there a CFPB, U.S. Department of Education email or contact that I can complain to or override the Servicer?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer for XXXX XXXXXXXX XXXX since XXXX. I have NEVER been late in my credit card payments, all my payment are current and paid on time. On XXXX, XXXX XXXX I called XXXX XXXX XXXX about a late payment reporting error took place, and advised me to reach out to the credit bureau agency who is reporting this error by mistake. I reached out to the credit bureau EXPERIAN 'S NATIONAL CONSUMER ASSISTANCE in this case and never received an update for more than 30 days now. I am asking for this late payment error to be removed.
Product: Credit reporting or other personal consumer reports

Date XXXX XXXXXX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c- 1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX 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: Mortgage

My husband and I took a XXXX mortgage loan with US Bank back in 2006. This loan was for {$25000.00}. We have made monthly payments since then of {$250.00} per month. We have not missed one single payment. We have paid 120 payments since then, never late. The total amount we have paid so far is {$30000.00}. Our principal balance on the loan has only decreased {$1600.00}. That means US Bank has pocketed {$28000.00} and we still owe them an additional {$23000.00} plus interest. The interest rate of this loan has always been 11.7 percent and they tell me they are unable to offer me any lower interest on this loan. Also, this loan was set up as a balloon loan where I will need to come up with the balloon payment soon. 
I have attempted in several occasions to work this out with US Bank with no resolution from them. As a result I filed a complaint with the Minnesota Attorney general 's Office. They have suggested me to file a complaint with you and the OCC. Any assistance you can lend would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions, In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax casually added fraud alert to my account without my consent, as I have never requested it. 
I have contacted Equifax countless times to REMOVE the fraud alert, CS claim it was removed several times as well, yet on XX/XX/XXXX, I still received letter that they have ADDED the fraud alert. Even though I have asked to REMOVE it. 

XX/XX/XXXX Called Equifax, spoke with supervisor XXXX, badge XXXX, he claims he does not have a boss. He said he need to release the line and hung up on me. I am unable to call back, maybe they have blacklisted my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX
Product: Debt collection

I was first contacted via mail on XX/XX/2023 from National Credit Systems INC regarding an attempt to collect a debt from XXXX XXXX XXXX XXXX XXXX. I sent my first dispute letter on XX/XX/2023. National Credit Systems then sent me a letter from XXXXXXXX XXXX XXXX XXXXXXXX XXXX with a Statement Letter and Renting Ledger. I did not believe this was satisfactory in showing an itemized list of what the debt is for so I sent my 2nd Dispute letter on XX/XX/2023 requesting the following information : Amount, the full name and mailed address of the original creditor, Documents showing they have verified this debt, documents showing theyre licensed to collect a debt in KY, documents showing I owe National Credit Systems this debt, and documents showing I agreed to this debt that it is my debt. Today is XX/XX/2023 and I have not received any documents or information I have requested and after checking my credit score, I have noticed it has been put on my credit. I believe this is an inaccurate debt that I do not owe as I did not approve this debt nor sign any documents approving this. I also believe National Credit Systems has broken my right to personal confidentiality as they mailed me a collection letter regarding this debt in question in an open, non-sealed envelope that I have kept for my records as a breach of privacy. Again, I have requested documents under my right as a consumer and have no received any documentation from National Credit Systems, since then they have posted this on my credit, and breached my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding this account in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. This account has to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Reporting on : XXXX XXXX Transunion
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX  This is the 2nd time I have file a complaint over fraudulent account on my credit report. I have my ID and Address compromised and someone has use my ID to apply for accounts. The following accounts are in error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30days. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit report ran by XXXX XXXX in XXXX ME, they used XXXX, a Thomas Agency report was on there from a few years ago, it has been paid for years and I've been fighting to get this off of my credit report for some time now. I was able to get it removed from XXXX  and XXXX   now I just need it to be removed off of XXXX. I went to the Thomas Agency- nothing they could do for me to take it off, even though its paid and has been paid for years now. Called up the XXXX  company it was though- again nothing they could do to take it off. Contacted XXXX- They could take it off my credit report for a monthly subscription charge, at this point I'm furious, I just want it off my credit report, and I should not have to pay to do so, I hung up. I then contacted the CFPB talked with them about my day and experiences though the Thomas AgencyXXXX XXXX  company and XXXX   and he explained they should of just took it off without you paying a monthly fee, that's ridiculous! So here I am filing a complaint. We are trying to buy a house, that's why I m trying to get all my D. marks off of my credit report. Please help! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name U.S Bankruptcy Court Account # XXXX has violated my rights. 15 USC 1681 Section 602.A states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 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 accurate.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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, credit repair services, or other personal consumer reports

0n XX/XX/2019, I WAS ON THE PHONE WITH EQUIFAX EMPLOYEE " XXXX '' ATTEMPTING TO REMOVE PERMANENTLY A SECURITY FREEZE I HAD PUT ON SOME TIME AGO.I PROVIDED THE PIN, ANSWERED THE SECURITY QUESTIONS CORRECTLY, YET AT THE END OF THE CALL THE XXXX PERSON WHO COULD NOT SPEAK XXXX PROPERLY OR CLEARLY REFUSED TO REMOVE THE SECURITY FREEZE THEREBY HAMPERING MY ABILITY TO OBTAIN CREDIT.XXXX SAID TO SEND IN MY SOCIAL SECURITY CARD AND OTHER ID. 
I EXPLAINED THAT ALL OF THESE ITEMS WERE ALL ON FILE WITH EQUIFAX FRAUD DEPT.AND ALL ARE LOCATEABLE IN THEIR COMPUTER SYSTEMS. 
SHE REFUSED AND AS OF NOW HAS PREVENTED THE SUCCESSFUL INQUIRY OF XXXX XXXX WHO WOULD LIKE TO GIVE ME CREDIT.
Product: Credit reporting or other personal consumer reports

I sent a request for my consumer report on file for AppFolio XXXX Relations. They called me for some reason and said it was for verification to send me my consumer report letter I sent and said I should receive my consumer report in my email, but I receive an email about a dispute, and I don't know why. I never told them to dispute anything and want to report them for misusing my personal information.
Product: Credit card

I made a previous complaint against this company, and they did not care - nor reply to you guys. 
About a month ago, it was agreed that they would take {$60.00} out ( I believe it was ) - or {$120.00} - and a few weeks ago, they tried to take out $ XXXX. I made the complaint, and the charge fell off my bank account. 
Today, they tried to do the same thing - charging my account {$260.00} - leaving it overdrawn. 
They did NOT have authorization to do this, and I want it reversed. 

I also asked previously that they take my bank card / account out of their system - and they did NOT obviously. 

I WANT MY BANK CARD REMOVED FROM THEIR SYSTEM and for them to stop charging amounts that were NOT authorized, or I will sue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) ( FTC REPORT NUMBER : XXXX ) ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1- XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX, XXXX & XXXX ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT # XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you