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

According to the fair Act 15 USC 1681 section 602 states ACCURACY AND FAIRNESS OF CREDIT REPORTING : ( IN WHICH THIS IN NOT BEING HONORED OR BEING REPORTED TRUTHFULLY ) 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer. XXXX, XXXX [ XXXX AND TRANSUNION are all unlawful reporting inaccurate information. As the consumer I have the right to make sure my private information isn't being shared this statement is backed the 115 US 6801 and it states " It is the policy of Congress that EACH financial institution has an affirmative and continuing obligation to respect the privacy of it costumers and to PROTECT THE SECURITY AND CONFIDENTIALITY OF THOSE NON PUBLIC AND PERSONAL. 15 USC 1681-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISHANY INFORMATION RELATING TO A CONSUMER OR TO ANY CONSUMER REPORTING AGENY IF THE PERSON KNOWS OR HAS RASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. THESE COMPANIES SELLING MY INFORMATION AND COMMITTING SECURITIES FRAUD. I PULLED THEIR XXXX AND XXXX FILINGS AS WELL AS DOWNLOADED ALL MY DATA PLUS MY CREDIT PROFILE AND THE INACCURACIES ARE STILL THERE AND THEY FAIL TO PROPERLY INVESTIGATE THE ISSUES ATE HAND AND FAIL TO PROVIDE PROPER PROOF. NEITHER COMPANY ARE MAINTAINING REASONABLE PROCEDURES ALSO 12 CFR 160.7 STATES " A CONSUMER MAY EXERCISE THE RIGHT TO OPT OUT AT ANY TIME " I AM OPTING OUT OF YOUR ILLEGAL REPORTING SERVICES ''
Product: Mortgage

I have been trying to refinance my home-during this process- J.P. Morgan/Chase is \ not cooperating, The liens have been discharged in a bankruptcy- No one will help me clear this up. 
I have attached the necessary BK discharge papers. 
Please help clear this up so we can refinance our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

For nearly 3-years, I have been trying to get Equifax to remove a collection item that the company has instructed them to do so. XXXX XXXX XXXX sent me a letter and requested that the credit bureaus delete this item from my report dated XX/XX/2017. 

Equifax has refused to acknowledge this additional information. Instead, the item remains over 2-years later. 

Equifax is in direct FCRA violation.
Product: Money transfer, virtual currency, or money service

On XX/XX/ 2021 i was victim of the XXXX scam through Chase bank. 

I was looking for XXXX customer support to return an item and i found a number that i called and they pretended to be XXXX ( XXXX XXXX XXXX ). I asked to return an order ( value of {$320.00} ) and they told me that we needed to use XXXX through my bank, it did sound strange at first but since i don't call XXXX very often i thought it was a new way to do things. 

They asked me to download a screen sharing app called XXXX on my phone. I followed what they were telling me as i did not know that they were actually not XXXX. They also called me back from a different number XXXX XXXX XXXX. They guided me me through setting up a XXXX recipient and attempted sending {$1300.00}. The recipient they have set up is below : XXXX Refund Memo : Refund ID XXXX verify email : XXXX Amount : {$1300.00} XXXX asked why am i sending money to them if this is a refund and they mentioned that it is just a code and i will see later. They were having issues with the first payment so they tried a second one to a different email and amount ( {$490.00} ) details below. At that point the bank called me and managed to stop the second. They tried to call me for XXXX times while i was on the phone with the bank from the XXXX XXXX XXXX number but i never picked up. 

XXXX XXXX XXXX XXXX : {$490.00} The first one unfortunately went through for the {$1300.00} amount. 

I tried calling back the XXXX XXXX XXXX number to ask for the money back. I managed to talk to the same person but obviously they told me that i have hanged up the call so money is lost. My wife tried to call that number and she left a voice mail and the lady named XXXX XXXX called back. They were very nasty with us. 

Why Chase doesn't request verbal approval from the customers on all XXXX payments? Especially when they know about the XXXX scam and that i never made a XXXX payment in the last XXXX  months. I am really frustrated as i think Chase should have better protection for the customers and not just allow a scam to happen like this. If they see a XXXX payment made to " XXXX Refunds '' it should be a red flag and should be stopped to protect people from being scammed.
Product: Student loan

I had a FFEL loan, although I didn't know it because XXXX was deceptive in their communications. So I refinanced with FedLoan to get my PSLF credits going. I followed all the directions provided and obtained forms from four previous employers with eligibility for the temporary PSLF program. It took some time to obtain these forms, and then three months after I submitted them to FedLoan, they informed me that they did not accept the forms I submitted without providing any details about what " additional information '' was needed on which forms, or how I could go about submitting whatever " additional information '' they demanded. 

In another development, I was expecting that after making now 20 years of payments under Income Based Repayment plans, I would be getting Loan Forgiveness based upon that 20 years of payments ( not requiring Public Service ). FedLoan has not responded in any way to my inquiries about that form of Loan Forgiveness. Instead, FedLoan has informed me that instead of being eligible for the PSLF program after 10 years of qualifying payments ( would be in XXXX  ), I will be required to continue payments until I reach age XXXX in XXXX  because I obtained a terminal degree! 

It is abundantly clear that FedLoan is not interested in fulfilling their contract with the US Department of Education. Instead they are interested in getting out of the Student Loan business as soon as possible and without completing any of the responsibilities that they have to the citizen taxpayer students like me and countless others.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : USDOE/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 or 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 or other personal consumer reports

I noticed several inaccuracies on my credit report and sent a formal demand letter to Experian for immediate investigation and correction. The specific issues I identified include inaccurate reporting of late payments by certain creditors, incorrect debt entries, and unauthorized hard inquiries. I also disputed incorrect personal information, such as addresses. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute these inaccuracies, and Experian is obligated to investigate them within 30 days as per 15 U.S.C. 1681i. I cited relevant legal precedents, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, which require Experian to ensure they maintain the highest standards of accuracy when investigating disputes. 

I also referred to 15 U.S.C. 1692g, which mandates that debt collectors provide validation of debts, and requested that they prove the validity of certain items on my report. I made it clear that if Experian fails to resolve the issues within the mandated timeframe, I would escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursue legal action. Furthermore, I requested a detailed description of the procedures used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I expect a prompt resolution, and any delay or negligence in addressing these issues would not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Bankruptcy Date Filed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

National recovery agency has been emailing and texting me about a debt. My address is incorrect but i havent paid a utility bill for the address that they are saying i owe somewhere in XXXX. When they have my address listed as my permanent place in NY. Over XXXX miles away. 

There is a balance of XXXX $ owed apparently. XXXX just not aware of this bill or any payments i need to make. I have asked the company to prove this as mine but i only get told to pay. They have been contacting me since XXXX of 2024 almost weekly, with many calls and texts
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of :
Product: Prepaid card

I am the payee of social security XXXX benefits on behalf of a XXXX family member. A substantial sum has built up in my debit card account, and I need it transferred to my bank account so that I can pay bills for my family member. I have asked XXXX XXXX XXXX I can transfer the funds to my bank and followed their instructions, which are : email them full name, photo id ( drivers license, front and back ), recent bank statement, bank routing and account number. 

( Is this secure? Email? ). In response I received an auto reply saying they need XXXX hours to review my request. Then, nothing happened. 

I called again. They said my request was rejected with no notice to me because the subject line of my email said " Transferring funds '' rather than : " ACH Transfer '' ( instruction which was not provided by the agent ). 

I recent the email. Still, nothing happened. 

I called for the third time and was on hold for XXXX minutes. Gave up. Called again. Was told by the customer service agent that she was just an operator who did not know how to help me. Offered to transfer me to a supervisor. I agreed. We got disconnected.
Product: Debt collection

I have been sending dispute letters since XXXX this year, and they never send me a legal verification. Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even providing valid proof
Product: Credit card or prepaid card

I made purchases on my XXXX XXXX Credit card in XXXX of 2018. I recieved my bill in the mail and went to pay it online but I was unable to log in and it kept telling me that the action can not be performed. I called them and they were closed since I work the same hours that they are open. Because of all of that I was two days late on my payment. I made my payment over the phone. I then received my bill for XXXX and XXXX in late XXXX and it said that I had two charges. I called and they said they were the two late payments for not paying my bill on time. I called and spoke to a representative but said he could only remove one since I was two days late due to not being able to pay it online. I was not aware that I had a late charge for XXXX And they applied another late charge in XXXX for non-payment even though I had paid my bill for things that I had purchased in full. I also have had this credit card for years and have always paid my bills on time. You would think that since I was a consistent consumer, tried to pay it online, and paid what I actually owed in full there could be a better solution that just charging me two late payments. I also spoke with two people at XXXX to see what they could do and had to wait on the phone for an hour to speak to the manager. When I requested the guy above him he said it could take up to 4 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies in Identity Theft.i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently sent Medical Business Bureaus a request for validation not verification a debt placed on my credit file with a cost break down of the debt said owed referencing account XXXX on XX/XX/2019 with signed Hippa Release in my handwriting authorizing Medical Business Bureaus to access or retrieve my medical files and or procedure which is totally private. They responded with no validation of debt but my full medical procedure and records photo copied again without a Hippa Release form with my signature which is a violation of my Hippa Rights. I am proceeding with legal action as prescribed by law against Medical Business Bureaus for having my medical records in their presence without a noted Hippa Release form. Failure to manage risks to the confidentiality, integrity, and availability of PHI is what XXXX XXXX has violated and created.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$9800.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

This is my final dispute with Transunion before I file suit against the company for violation of my rights namely their failure to investigate a consumer dispute and due a thorough and reasonable investigation. Instead they simply just accepted what was told to them when they sent the dispute to XXXX. 

This account is currently in federal court under litigation for their violations, however Transunion is equally liable for their failure to review my dispute and I have plans to file suit if this account is not removed IMMEDIATELY. 
I have attached copies of both disputes as well as the Federal Lawsuit against them... I will be seeking damages from Transunion for these violations as this inaccurate information has caused serious damage to me as a consumer.
Product: Debt collection

Title 15 of the United States Code, Section 6802, is a provision related to the privacy of consumer financial information. It outlines the requirements and restrictions imposed on financial institutions regarding the collection, use, and disclosure of personal and financial information of their customers. The section establishes guidelines for providing privacy notices to customers, allowing them to opt-out of certain information sharing practices, and maintaining the security and confidentiality of customer information. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX ) XXXX Denefits XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Installment sales contract - Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2000.00} {$2000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$1700.00} {$1700.00} Credit Limit : {$0.00} {$0.00} Past Due : {$1800.00} {$1800.00} Payment Status : Late 180 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Variable rate 180 days past due Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

have been contact the citibank many times in the past, the executive XXXX XXXX finally called back, she agreed that what my claim was all true the agent made mistake regarding my account balance only told me that I should pay my balance whatever showed on my bill, even there is a return which will be a credit on my account. 
She is a real calm artist did nothing rather than telling me to pay the bill on my statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried many times to get these Account of my credit report. i have submitted the correct information please help XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be updated. 
XXXX XXXX : {$7300.00}
Product: Checking or savings account

Today XX/XX/XXXX is payday. My payroll deposited my check. Typically its in the bank before I wake up at XXXX. It is now XXXX on XXXX  XX/XX/XXXX me and thousands of others do not have access to our direct deposited paychecks. With XXXX XXXX on when it will be fixed. It is the first of the month! Our payments are rejecting by the bank because of this. My lights may be cut off because of this!!!!!