23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX had my loan when I was in school. Prior to it coming out of deferment, I updated my address with XXXX. When they transferred the loan to American Education Services ( AES ), somewhere in the process, the new address got completely lost and my previous address got transferred incorrectly. I never received notification of the transfer of my loan, nor a bill. 
In my complaints directly to AES, they claim : 1. they did not have my permanent address. ( see attached document directly from their site proving they did ) 2. They sent my mail to the same address as they sent to my cosigner " XXXX '' ( see attached document proving they sent my mail to " XXXX ) I therefore, not only did not get the mail to my PROPER address but also somewhere in the transfer they changed my street name and town. ( there is a XXXX and also a XXXX town ) It was n't until I went to refinance my home mortgage that I found out a company was tanking my credit score.
Product: Debt collection

I have this company trying to collect a medical debt from me saying the time frame was from 2017 in XXXX. I was still XXXX XXXX military during that time and have never paid out of pocket for anything medical during my active service time. I am now retired but was still XXXX XXXX military during that time. All medical bill go through XXXX for the military so any claim to owe anything would have went through XXXX. I have never got anything from XXXX about a bill in the amount of {$1100.00} owe or not being covered. I believe they must have the wrong person. 

They have not provided anything that says a denial from XXXX to pay. They have never sent me anything saying I owed anything. They just showed up on my credit report and show these guys are not the original creditor.
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 XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ye
ars. 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was horrified to find incorrect accounts listed that weren't there before, and Im at a loss as to how this happened. I check my credit report often, and this was completely unexpected. I even tried refreshing the page, hoping it was just an error, but the wrong accounts still showed up. This has left me really upset, and I would appreciate it if you could carefully verify the documents I've sent to prevent this from happening again.
Product: Credit card or prepaid card

I reported fraud charges on my card and Macys didnt even adjust my balance. It shows I still owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX, and Equifax but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting a monthly payment of {$360.00}, XXXX is reporting {$0.00}, and Equifax is reporting {$360.00}. XXXX is reporting the date opened as XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX and equifax is reporting XX/XX/XXXX. XXXX  is reporting the last reported date as XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX, and equifax is reporting XX/XX/XXXX. XXXX  is reporting date last active as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and equifax is reporting XX/XX/XXXX. XXXX is reporting date of last payment XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and eqifax is reporting XX/XX/XXXX. all 3bureau 's are reporting the number of months ( terms ) to be 73 months when it is 72 months this totally violating my rights and i need this reporting removed from my reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud someone used my information Im sending you a copy of my police report showing the items thats fraudulent and inquiries please remove them at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Delete the hard inquiries Thank you
Product: Credit reporting or other personal consumer reports

I sent a letter requesting that this item is removed from my credit file. The item in question is XXXX XXXX XXXX XXXX, for an automobile. I sent a letter to the finance company, and I also sent a request to the the credit reporting agency Experian. This item is listed as a charge off, for {$13000.00}. It is also, reporting separately as discharged through a bankruptcy. The internal Revenue Service, defines a charged of debt over {$600.00} as cancelled debt. You have to pay taxes on cancelled debt, because it turns into income. This financial institution never sent me a cancellation of debt form to file. It was never mailed to me, or discussed over the telephone regarding this account. A cancellation of debt turns into income, when reported on a tax return. Income is not reported in a consumer report. A charged off account over {$600.00} reporting to my consumer report is Tax Fraud. I never received a cancellation of debt form to file. According to US Code 1681 ( e ) subsection ( b ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assume maximum possible accuracy of the information, concerning the individual about whom the report relates to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX has an outstanding balance amounting to XXXX that does not belong to me. Contacted XXXX many times and filed a police report XX/XX/XXXX. I have also disputed with the three credit bureaus via certified mail on XX/XX/XXXX advising of my identity being stolen. XX/XX/XXXX I sent a follow up dispute and even with all proof I sent regarding my identity being stolen, still no resolution. I have called the credit bureaus and XXXX practically every month and still no one has been able to help
Product: Credit card or prepaid card

I received a card in my name for a service named XXXX. The letter told me that my card is ready for use. I looked the company up online and was directed to a support email. The company told me if I believed this was fraudulent they would close the account and to report to law enforcement. 

I have never used this service, nor do I know what it is!!! I am disgusted that a company would allow this to happen without verification of my identity.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXXXXXX 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

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO, NEVER LATE I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, AND XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, LLP. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS.
Product: Debt collection

On XXXX XXXX I requested debt validation from trans world Systems Inc. On XXXX XXXX Transworld Systems Inc responded to the debt validation with a statement disclosing my diagnosis which is a HIPAA violation as I did not authorize for my medical records to be released to Transworld Systems . What I requested was a copy of the contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2500.00} ; XXXX XXXX XXXXXXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$25000.00} ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance {$9400.00}.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccuracies in the personal information section that require immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having a problem with XXXX since XXXX 2016. They REFUSE to acknowledge that I have properly sent them paperwork for an income based repayment plan. I have fax machine confirmations that the paperwork has been properly sent. Earlier this year I contacted them about this problem because they have falsely reported to credit reporting agencies that my account is delinquent. They put the loan into forbearance and gave me until XXXX to fax the paperwork again. I did this in XXXX. Now I have credit reporting agencies calling me again telling me that XXXX is once again reporting the account as delinquent despite having the paperwork they demanded. Once again, they say they never received it. The fax confirmation says otherwise. They are DESTROYING my credit report maliciously and without provocation. I have done everything I am supposed to do. They are doing this to millions of people, it 's why you 're already suing them.
Product: Checking or savings account

I received a letter from Bank of America dated XX/XX/2023 asking for my details to be verified and updated, and that I had until XX/XX/2023 to provide this information. The document was faxed into BofA on XX/XX/2023. 

A further letter from Bank of America dated XX/XX/2023 simply stated all my accounts with BofA would be closed. No explanation was provided. I received a separate letter from Merrill Lynch stating the same thing, my account was being closed and no details were provided why. 

I called Bank of America on XX/XX/2023 and spoke with XXXX. She said she was not obligated to provide a reason for closing my account. Bank of America did not want to serve 'my banking needs '. I asked to speak with a supervisor, XXXX, who essentially stated the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following were removed previous from Equifax. I previous contacted the creditor on removing the inquiry. They reported that they sent letters to remove XXXX/XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX XXXX XXXX  XX/XX/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 violates.

Thank you for your time..
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report multiple inaccuracies on my XXXX credit report, dated XX/XX/year>. These errors are not only misleading but have also caused significant damage to my financial reputation and creditworthiness. Despite being protected under the Fair Credit Reporting Act ( FCRA ), my efforts to have these inaccuracies corrected have not been addressed by XXXX. 

The specific inaccuracies I am disputing include : XXXX. XXXX XXXX Account XXXX : XXXX XXXX reported charge-off of {$23000.00} is inaccurate. This account does not reflect my financial activity, and its presence on my credit report is unjustified. According to FCRA 1681e ( b ), which requires credit reporting agencies to maintain accurate information, this erroneous report must be corrected immediately to avoid further damage to my creditworthiness. 
XXXX. XXXX XXXX XXXX Account Number : XXXX The balance reported for this collection account is incorrect and invalid. This debt has not been properly verified, and its inclusion violates the FCRA and the Texas Debt Collection Act. I demand its immediate removal as it continues to damage my credit report unjustly. 
XXXX. XXXX XXXX XXXX Account Number : XXXX This debt does not belong to me, yet it remains on my credit report. As per XXXX v. Equifax Information Services, XXXX, credit bureaus have a responsibility to independently verify disputed information. Since this debt has not been verified, I request its immediate removal from my credit report. 
XXXX. XXXX XXXX Account XXXX : XXXX This is a duplicate entry on my credit report, which is both misleading and incorrect. The continued reporting of this duplicate information violates the FCRA, as established in XXXX XXXX XXXX XXXX XXXX XXXX. This erroneous entry must be deleted to reflect my true credit history. 
XXXX. XXXX XXXX Account Number XXXX XXXX The reporting of this foreclosure is misleading and inaccurate. It does not accurately represent my financial history, and XXXX has not conducted a reasonable investigation as required by XXXX v. XXXX XXXX XXXX, XXXX. This incorrect and harmful information must be removed immediately. 

These inaccuracies have caused considerable harm to my financial standing and have impeded my ability to secure credit and housing. I have attempted to resolve these issues with XXXX, but my disputes have been ignored or improperly handled. I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure my rights under the FCRA and other consumer protection laws are upheld. 

Thank you for your attention to this matter. I hope the CFPB can assist in resolving these issues promptly and ensuring that my rights as a consumer are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed two disputes with XXXX, transunion and XXXX  regarding information on my credit report being inaccurate. The first dispute letters were mailed out on XX/XX/2019. The accounts requesting to be corrected are as follows : XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX. In addition, removal of incorrect late payments on DEPTEDXXXX XXXX. From the initial dispute letters, TRANSUNION  FAILED TO REPLY WITHIN THE 30 days time allotted. A second set of letters were mailed to XXXX, transunion, and XXXX  on XX/XX/2019. To my dismay I received no correspondence back informing me of the results and/or status of my disputes. 
I HAVE NOT RECEIVED ANY COMMUNICATIONS FROM TRANSUNION, XXXX  OR XXXX. I CONCLUDE THEREFORE THAT YOU WERE UNABLE TO VERIFY THE DISPUTED INFORMATION OF THE ACCOUNTS ABOVE. AS SUCH, PLEASE DELETE THE INACCURATE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY AND SEND ME THE UPDATED COPY. PLEASE INSURE THESE ACCOUNTS ARE REMOVED PROMPTLY TO AVOID THE PURSUIT OF MY RIGHTS UNDER 15 USC SECTION 1681N AND 1681O, WHICH REQUIRE YOUR COMPLIANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account under FCRA : XXXX XXXX account XXXX Experian is refusing to investigate. 
Please delete asap
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE IS NOW XX/XX/XXXX THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED FROM MY FILE!!!! 
I DEMAND THIS FRAUD ACCOUNT TO BE REMOVED FROM MY CONSUMERS REPORT NOW AND PERMANENTLY! 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''