23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

We co-signed a loan agreement for our daughter for the XXXX school year for approximately XXXX with the New Hampshire higher education loan corporation XXXX The initial loan disclosure notice as well as the final loan disclosure notice clearly set forth that we selected the interest only payment option which reduced our loan rate from XXXX XXXX XXXX XXXX % with payment to begin as of XX/XX/22 for {$190.00} a month and if we set up auto deduct, it would reduce our interest rate further to XXXX XXXX. We are unable to set up the auto deduct and currently facing a higher interest rate of XXXX XXXX and not the bargained for XXXX XXXX  because the lender will not make the auto deduct option available until the loan is fully disbursed. By the time this happens we will incur significant interest payments as the interest compounds on the loan. 

In response, lender has acknowledged that the financial disclosure form as well as he loan terms document are incorrect but that they are not going to honor the original terms. All they advise is that they are planning to fix the disclosure form moving forward but that does not help consumers like us that signed up per the original loan documents. They violated the truth in lending disclosure act by not honoring the terms and not making it clear that loan payments would not restart until full disbursement. The XXXX XXXX XXXX was specifically designed to prevent this type of bait and switch from occurring by ensuring that key loan terms are clearly laid out in simple plain XXXX. 

We are not seeking anything different from what was included in our financial disclosure form and that the loan servicer and originator honor the original commitment. The company has acknowledged that the form is incorrect and confusing, yet refuse to honor the agreement. As a result of the clear bait and switch, we along with other hard working families will be on the hook for significant interest payments that will compound with the principal and put us in more debt.
Product: Credit reporting or other personal consumer reports

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

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification on my alerts through  XXXX  that a new credit collection account is appearing on my account at  XXXX ,  XXXX  and  XXXX  on  XXXX   XXXX ,    2017 wi th  XXXX   XXXX   XXXX   XXXX . I disputed the same with documentation. First, the last payment date indicates  XXXX   XXXX ,    2017 wh ich is in the future. Second, I do not have gas service at my present location and have been at my present location of  XXXX   XXXX   XXXX  for over a year. I received not notification of such account and no request for verification of the same. Also I am in the process of purchasing a mortgage to close on  XXXX   XXXX ,    2017 and  ended up paying this amount which is still reflecting as unpaid, even though I do n't believe this account balance belongs to me but possible the new tenant at the location I left behind over a year ago, I paid as I cant proceed with the loan process with the outstanding amount listed in collection. So it is paid in full. I have proper documentation of both my current lease and the paid in full. I am requesting that this account be removed from my credit reports as I was never given proper notification for verification purposes, I was not living in this home during the delinquent period, and I have not paid a debt I do n't believe belongs to me.
Product: Prepaid card

Per the back of the prepaid visa card I have states that a fee is charged, except where prohibited by state law. 
I live in Colorado and it is my understanding that an inactivity fee can not be charged for prepaid accounts. 

Colo. Rev. Stat. 6-1-722 ( b ) ( 3 ) Prohibits service fee, a dormancy fee, an inactivity fee, a maintenance fee, or any other type of fee. 

The card that I have has been depleted of {$16.00} in inactivity fees. I called the customer service number XXXX and was told that the law does n't pertain to their card. The customer service agent was very rude and hard to understand. She told me she would not assist me. 
I then tried to use the card so that I could salvage the {$34.00} left and it was declined. I waited a few days and was able to use the {$34.00} left on the card. 
The card is issued by US Bank and the website for balance information is XXXX.
Product: Credit reporting or other personal consumer reports

My personal information on equifax is incorrect. I want all information to be accurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted a complaint on Paypal. I am submitting this today to add to the supporting documents. 
On Monday, XX/XX/XXXX someoneby the name of " XXXX '' reached out to me from XXXX XXXX XXXX. 
XXXX stated several conflicting things to me and insisted that I download XXXX to get new tracking information. 

XXXX states that she sent me a package. 

XXXX stated that she checked thepackageand found out that she made a mistake and sent me 4 bundles when she should've sent me 6. I asked her what package did she check and what did she send to me. 

XXXX also stated that a package is still in transit to me and that if I download XXXX she will give the tracking number. I asked for a tracking number. She then stated that the package was delivered and she thought it was in transit. 

XXXX is well aware that she does not have my permission to send me anything. 

At this point I believethat XXXX stole my information and made a fake order when I chose not to start orcomplete an order with XXXX. 

XXXX is a scammer who has been supported by Paypal in her scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or  XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 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, 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 C-2 ) that you Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of person credit card accounts opened at XXXX XXXX on XX/XX/XXXX under account # XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX under account # XXXX, XXXX XXXXXXXX XXXX on XX/XX/XXXX under Account # XXXX, XXXX XXXX on XX/XX/XXXX under account # XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX under account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. Ive attached a list of the hard inquiries in question as well as a copy of the items. I do not recognize the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of identity thefts criminal complaint # XXXX and proof from the US Federal Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and TransUnion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button  XXXX XXXX XXXX XXXXDispute XXXX XXXX, XXXXDispute XXXX/XXXXDispute XXXX   XXXXDispute OFFICE OF THE ATTY GENERDispute OFFICE OF THE ATTY GENERDispute XXXX XXXXDispute all ftc violations sent and filed
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX 2018, I noticed a credit inquiry from XXXX on my credit report. I immediately called the phone number listed with the inquiry ( XXXX ) XXXX, and was told they had no reference of my name, address, or social security number. There is a block on my social security number, and ANY institution is to call me BEFORE running any type of credit, yet again my credit was ran without my consent. This has been happening for the past year, and not one creditor has bothered to call before running my credit. I need this to stop IMMEDIATELY. I need all inquiries REMOVED from all three credit reports! This has been ongoing, and I write letters, and nothing happens. This needs to be resolved immediately with all credit inquiries removed from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 can provide detailed information via phone but basically I had a package deal I signed up with XXXX XXXX in 2018. That year my only child passed away and I had contacted the company modifying my package because uncontrolled circumstances. Currently I am being collections by XXXX XXXX for over {$300.00}. I have never dealt with them so had no idea of acct. 
Basically I am being tossed back and forth between these " two affiliates " because of an acct that I was told XXXX XXXX failed to handle properly. I've spent days on the phone and have been told I'd receive a check in the mail for over payment and that XXXX XXXX would contact XXXX XXXX to update them and remove collection charges.its been over a week and now when I call they don't know what I'm talking about. I feel like im being taking advantage of and i have hit a dead end. Please help me resolve this problem so that I can move forward with my life. 
Thank you
Product: Credit reporting or other personal consumer reports

I recently submitted a request to reassess the previously disputed information The response I received, which was generated by a computer system, is unsatisfactory, and my patience is wearing thin. If the information is not promptly reevaluated and deleted, I will have no choice but to engage legal representation to seek redress through the court system, and I will also lodge complaints with regulatory bodies such as the CFPB, FTC, and my state attorney general 's office. 

I insist that you expeditiously remove and update this erroneous information and provide me with an updated version of my credit report. 

XXXX. The status is incorrect for the following account. Please correct/update this inaccurate information on my credit report. these accounts were never late. 
XXXX Account Number : XXXX Date reporting NOT Accurate : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date reporting NOT Accurate : XX/XX/XXXX Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX/XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX/XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

The original company was stage ( comniety bank ). They stated that account was sold to XXXX XXXX and that they had nothing to do with the account as of XX/XX/XXXX. XXXX was contacted and the account was paid on XX/XX/XXXX2021 with an agreement that they would contact all three bureaus to have the accounts removed from reporting. XXXX sent a letter to me and all three bureaus however all the bureaus did was document it as a paid charge off instead of removing the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many request MANY TIMES to furnish proof that I gave them written consent for them to report the BANKRUPTCY on my credit report. 

BANKRUPTCY XXXX dismissed XXXX BANKRUPTCY XXXX dismissed XXXX BANKRUPTCY XXXX XXXX XXXX MY OTHER CREDIT REPORT FRON XXXX THERE IS NO BANKRUPTCY ON MY CREDIT FILE. THESE NEEDS TO corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to XXXX Account # XXXX. XXXX was able to remove this account. What are you showing that proves and keeps you from deleting this debt? If you can not show me then you must follow suit and delete this debt as well.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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 a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Also please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theftXXXXXXXX XXXX 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 or other personal consumer reports

TransUnion, Report XXXX. XXXX, Date Issued ; XX/XX/year>. XXXX XXXX : XXXX XXXX XXXX, Account XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX. XXXX. TransUnion has reported this collection company investigation results as verified as accurate. I have disputed this count multiple times that I do not have any account with this company nor have I made any payments to this company. This company failed to follow the FCRA and provide verification that I have an account with them or that they are legally able to collect on an account that was sold to them to collect payment. Until then, this company has validated my rights as a consumer and I am asking consumer financial protection bureau to investigate this account and if this information can not be verified that I have an account with them, please delete this account for my three credit bureaus, TransUnion, XXXX, and XXXX within 30 days. If this account does not get removed, I will seek legal action immediately.