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 consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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: Student loan

My complaint is about FedLoan Servicing ( myfedlaon.org ). 
I am a student borrower. 

My complaint is that they are not properly responding to my email questions or phone calls. The email responses I get are boilerplate information from their public announcements and do not directly address my questions. Also, the phone number their emails refer my to ( XXXX ) operates on a perpetual hold ( I have waited up to XXXX minutes, twice ). 

The context of my questions is, why was only a portion of my student loans dismissed under my Public Service Loan Forgiveness application? Are there steps I need to take to get the rest of my loan balance dismissed? What do they need from me? 

Please help.
Product: Credit reporting or other personal consumer reports

Caine and Weiner has attached an outstanding claim to my credit report for use of XXXX XXXX XXXX. 

However, I have never used XXXX, and have been using XXXX for years, including during the time period they claim. 

they initially attached a claim to my credit saying I owed XXXX dollars. When I questioned the claim on my credit report with XXXX and XXXX XXXX, they had the unmitigated gall to send me a new, even higher bill for the same thing!!! 

It is clearly a scam to learn more about peoples ' cars, to steal their money, and perhaps to steal their cars!! 

The claim needs to be removed from all of my credit reports and they need to be taken to court for fraud. Unbelievable!!!
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 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: Debt collection

I filed Bankruptcy in XX/XX/XXXX while going through a divorce. The bankruptcy was discharged in XX/XX/XXXX. The debt is with XXXX XXXX collecting for XXXX XXXX. The open date is XXXX/XXXX/XXXX. The re-aged and sold the debt to this collection company after my bankruptcy like must creditors think they can get away with doung this to consumers. I review my credit every three months. This XXXX debt was list on my XXXX in bankruptcy. I keep disputing this tradeline with all XXXX repositories. XXXX keeps selling the debt trying to collect. I need this account deleted. I do n't owe this debt.
Product: Debt collection

I am a victim of identity theft my identity was used to obtain goods and property.
Product: Payday loan, title loan, or personal loan

I got appliances on a rent to own agreement. I was told I could cancel the agreement anytime after initial lease term which was two months. I have been paying {$120.00} a week auto payments for 8 months and was told I still owe over $ XXXX for appliances that cost {$3500.00}. I called the company and they told me I can't terminate lease I can only donate appliances to charity for tax write off and still owe balance. I have never heard of this before. I want to either have company come and get appliances or credit money I have paid for appliances to balance which would pay off items.This was supposed to be a lease to own meaning I can cancel items without purchase. 
If we can't come to agreement I have spoken to an attorney and will be joining a class action lawsuit that I found out was filed against this company for doing similar tactics against other people.
Product: Checking or savings account

On XX/XX/year>, an ATM withdrawal of {$500.00} was completed without my authorization using my debit card. I was not in possession of my debit card. 
I immediately reported this unauthorized ATM withdrawal to Discover Bank. They applied a {$500.00} provisional credit to my account on XX/XX/year>. 

I received a letter from Discover Bank dated XX/XX/year>. The letter stated they completed their investigation and the transaction was valid. 
Reason for this conclusion inclue the following : Transaction consistent with account holder 's prior activity. 
Transaction completed with PIN with no prior PIN failures No history of PIN being changed recently I do not agree with their reasoning. With today 's technology, scammers/hackers/theives know how to hack into a persons phone, computer, or any other electronic device to obtain any personal information they want or need to scam a person. 

As a result, the provisional credit of {$500.00} was reversed on XX/XX/year>. 
Dispute closed. 

On XX/XX/year>, I submitted a written letter to dispute the decision by Discover Bank. In the written letter I stated the following : The EFTA protects the consumer of unauthorized charges. The most I should have been responsible for on this transaction was {$50.00} as the fraud was reported within 2 business days.

Per the EFTA, you are no longer responsible for unauthorized use of the card assoon as your report the loss. If you report a lost or stolen ATM or debit card within two days, the EFTA limits your liability to {$50.00}. If I am understanding this correctly, Discover Bank owes me a minimum of {$450.00} if not the entire {$500.00}. 

Also in my written dispute letter, I requested copies of all documents used by Discover Bank to deny my original disputed unauthorized claim. As of XX/XX/year>, I have never received the documents nor has Discover Bank returned my funds to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This request is with XXXX XXXX of whom I have received a " charge off '' code on my credit report. Please note, I am fully aware of my responsibilities of this debt and in no way shape or form am I attempting to suggest a settlement to clear the debt. It was not until the months of XXXX thru XXXX of 2020 my payments took on stand still given the financial hit that occurred outside of my control. Since before those months I have never missed a payment or had any reason to. During those months I was contacted by XXXX representatives whom I would ensure them that I am seeking possible debt consolidation and/or other means of payment given the current crisis and they implied " ok '' we will note your account. At no time was I aware that my account was going in negative status leading to a harsh score on my credit report. I was under the impression that the payments were either deferred and/or put on hold just as other debt collectors were doing at that time. In the middle of a new house purchase I was caught off guard and now even worse possible without a place to live. Since finding out I have paid the full amount to bring my account in current standings and am requesting the " charge off '' code be removed to continue payments in good standing. Although this has been investigated via the bank and noted as not being a bank error I am asking for understanding in this matter as I was not fully aware of what was taken place. My credit score was XXXX and dropped immensley to XXXX given this code. I ask for a fair chance at regaining my current status as it is in this matter. Please take this complaint into consideration as I have not unknowingly committed such degree. I have worked hard for my credit as it depicts who I am as a person and have been a committed civilian of the XXXX XXXX XXXX for over 10 years. Thank you in advance for even taking the time out to read this digression. 

V/r XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I should have no debts and all bills paid. 18 US Code Section 1341 Frauds and Swindles.
Product: Debt collection

This company has been reporting to my credit report for years, which is damaging my credit. I have received NOTHING in the mail to verify what this is, and to my knowledge I don't owe anything to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying remove this charge off of my credit report. This is not accurate and needs to be deleted off my account. The creditors are not doing their job and this is hurting my score and Im trying to start a business and get a home. So please help me out. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau & The University of XXXX  are reporting erroneously on a debt and it must be removed. I recently checked my credit and noticed this debt. I took a closer look and noticed that they are actually reporting on the same debt! Nobody can seem to help me with this situation and it is ridiculous. This is a violation under the FCRA and the FDCPA. If this is not resolved I will be contacting the attorney General.
Product: Credit card or prepaid card

I am writing to complain about a dispute I lodged in XX/XX/XXXX regarding unauthorized transactions on the Money Network prepaid card I received from the XXXX XXXX XXXX. {$5500.00} was stolen from my Money Network prepaid account after my card information was stolen by a man named XXXX XXXX on or around XX/XX/XXXX. I had asked XXXX XXXX for assistance with setting up XXXX  on my phone because I couldnt get the app to work by myself and I wanted to transfer money to my sister so she could buy some clothes. I asked XXXX XXXX to put my Money Network card into the app on my phone so I could start transferring money. After he set up the app for me, he gave me back my phone and Money Network card. 

Later that month, I realized my account balance was dropping quickly even though I was barely using my card. I notified Money Network, and they provided me with a transaction dispute form. I immediately completed it and returned it to Money Network on XX/XX/XXXX. Money Network then sent me a written denial of my dispute, dated XX/XX/XXXX ( the same day that I sent the completed transaction dispute form to them ). 

Then, on XX/XX/XXXX, staff at the halfway house where XXXX XXXX and I were living confronted XXXX XXXX about whether he had stolen my card information. They confiscated his phone and confirmed he had stolen my card information and stored it on his own cell phone. They called the police, but XXXX XXXX ran away from the halfway house before they could catch him. The Office of the States Attorney for XXXX XXXX criminally charged XXXX XXXX with theft and I was subpoenaed to testify against him. I went to the courthouse to testify twice, but they cancelled the hearings because they still hadnt caught XXXX XXXX. 

I wasnt sure what to do about Money Network denying my dispute, so I found an attorney from a nonprofit in DC to help me find additional evidence to show XXXX XXXX had been using my card without my permission and to provide guidance on additional steps I should take. She looked at the transactions on my card and discovered that XXXX XXXX was XXXX friends with most of the people he had been transferring money to. For example, at least {$4600.00} was transferred to someone named XXXX XXXX, who was XXXX XXXX friend on XXXX. My attorney shared the evidence that she gathered with the prosecutor who had filed the criminal case against XXXX XXXX. She also sent a letter to Money Network that included the additional evidence and requested reimbursement for the unauthorized charges. She additionally asked them to provide all documents they had relied on to conclude their initial investigation. 

Money Network confirmed by phone that they received the letter from my attorney on XX/XX/XXXX. They also said they re-opened the investigation, and that they normally take 45 days to complete investigations but that it could take up to 90 days. The 90-day deadline was XX/XX/XXXX, and I havent heard anything from Money Network XXXX The lawyer sent them a follow-up letter on XX/XX/XXXX to see if they needed any more information for their investigation, but they never responded to that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my XXXX credit report recently, XXXX XXXX XXXX filed using my identity & personal information. identity theft. LexisNexis is the furnisher of information for XXXX, whom verified. LexisNexis verified XXXX XXXX XXXX are verified accurate. XXXX  case numbers ( XXXX & XXXX, XXXX ). XXXX  investigation results determined XXXX XXXX  case number XXXX, was not confirmed, do it was deleted. LexisNexis, have provided me with 2 XXXX  removal letters, removing XXXX XXXX XXXX cases ( XXXX & XXXX, XXXX ). This information was also removed from my disclosure report. I notified the furnisher of information LexisNexis, I was a victim of identity theft, and provided the necessary required information to LexisNexis. XXXX XXXX XXXX ( a ) Appropriate Proof of Identity ( a ) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609 ( a ) ( 1 ) of the FCRA. In developing these requirements, the consumer reporting agencies must : ( 1 ) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and ( 2 ) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer.

12 CFR 1022.123 ( b ) ( 1 ) ( 1 ) Consumer file match. The identification information of the consumer including his or her full name ( first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address XXXX street number and name, apt . no., city, state, and zip code ), full nine digits of Social Security number, and/or date of birth.

12 CFR 1022.82 ( d ) ( 2 ) ( 2 ) Examples of confirmation methods. The user may reasonably confirm an address is accurate by : ( i ) Verifying the address with the consumer about whom it has requested the report ; 12 CFR 1022.130 ( b ) Associated consumer reporting agency means a consumer reporting agency that owns or maintains consumer files housed within systems operated by one or more nationwide consumer reporting agencies.

Appendix A to Furnisher Rule Part 660 implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are inAppendix A to Furnisher Rule Part 660. 

Appendix A Your policies and procedures : should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; any other information in a consumer report about an account or relationship with you that affects the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle.Furnisher Rule 660.4 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for XXXX, XXXX  and Transunion to add my contact number in the written section of my credit report located under the fraud alerts. This gives companies the opportunity to contact me to confirm my identity i anyone or myself applies for credit. Without this contact information banks and credits automatically deny any applications done by me. Also I want to be contacted in the future by any creditor if anyone tries to apply for anything in my name. I am requesting for the written security alert on my credit file to say Due to past fraudulent activity a security alert has been added to the consumers report/ file. In order to verify an application has been made by the consumer. Please contact the consumer first at ( phone number ) before considering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$580.00} XXXX  XXXX {$490.00} XXXX  XXXX {$400.00} XXXX XXXX XXXX {$480.00} XXXX XXXX {$1500.00} XXXX XXXXXXXX {$830.00} XXXX XXXX {$760.00} XXXX XXXX {$720.00}
Product: Payday loan, title loan, or personal loan

Set financial continues to call my husband after I have told them to stop contacting him. He is not a personal reference or a number that I listed on my account information with them.
Product: Debt collection

Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX shortly after I was furloughed from my job in XX/XX/2020 and later let go in XX/XX/2020. I requested and received a COVID relief payment plan from XXXX for the aforementioned account. Soon after, XXXX lowered my available credit limit, and began charging me over the limit fees in addition to the minimum payment due which I was unable to pay. I had several calls with XXXX collections representatives about this matter ; however, no one was willing to make the adjustments so that I could pay a reduced payment. I continued making payments in an amount I could afford which was in accord with what the minimum account due would be, yet I was reported to the credit bureau as past due. I removed my bank account information from automatic pay because the representative indicated that XXXX would sweep for the total amount due which had escalated to > {$400.00}. I missed the XX/XX/2020 payment because I was hospitalized after a major XXXX and was unable to push or call the payment in personally. I recently started a new job and TODAY, XXXX was the first account I paid in full since this was the ONLY bank that violated the CARES ACT and submitted negative credit report information despite my reporting to you that I lost my job due to the national natural disaster. I also realized that my account was closed by XXXX further harming my credit status.