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

I am a victim of XXXX, and also a survivor of XXXX XXXX The adverse information listed below, which may appear ( or currently appears ) on my XXXX Credit Report or Background Check, is the result of XXXX. 

The credit account below are Adverse Information Resulting from XXXX  : XXXX XXXX Acct # XXXX ( partial ) Balance {$230.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( partial ) Balance {$160.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX ( partial ) Balance {$440.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct XXXX ( partial ) Balance {$1200.00} Opened XX/XX/XXXX XXXX XXXX Acct # XXXX ( partial ) Balance {$1200.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX ( partial ) Balance {$1000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( partial ) Balance {$7600.00} Opened XX/XX/XXXX XXXX Acct XXXX XXXX ( partial ) Balance {$2300.00} Opened XX/XX/XXXX LVNV Funding LLC Acct XXXX XXXX ( partial ) Balance {$1400.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( partial ) Balance {$300.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX ( partial ) Balance {$720.00} Opened XX/XX/XXXX Pursuant to 605C the Fair Credit Reporting Act, I respectfully request fully request that you Block the reporting of the above adverse information ( and any other information related thereto within ( 4 ) business days ( see 12 CFR Statue 1022.142 ( f ). 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this complaint because Consumer Adjustment Company Inc has failed to provide validation information under 12 CFR1006.34 ( b ) ( 5 ) but yet placed a collection on my consumer report. I have reported this to the federal trade commission and escalated this matter.

I have absolutely not been given a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This collection agency is and continues to violate my consumer rights by using false misleading and deceptive means.

This company continues to willfully violate the law by reporting this information and is a complete violation of my right to privacy under the FCRA. Fair Credit Reporting Act
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XX/XX/year> To whom it may concern, I am reaching out because there is incorrect information to my credit report b related to the account below : XXXX XXXX Systems XXXX Account # Account XXXX XXXX not listed however it has a balance of XXXX As defined by the IRS. 



The IRS considers a charge off to be income, either as gross or ordinary income. Income like this doesnt belong on a credit report, so this information on my report is not accurate! 



By IRS rules, any canceled debt or char-off is classified as income. Reporting this as debt is incorrect. 
According to 15 USC 1681 s-2, XXXX XXXX XXXX XXXX XXXX as the provider of information to a credit reporting agency is prohibited by law from sharing inaccurate information. Im requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) ** : A person shall nor furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact inaccurate.

In summary, Ive shown you that this information is wrong, and youve been notified. Keeping this inaccurate information on my report is a violation of the FAIR Credit Reporting Act and your role as a credit reporting agency. 



Please delete this incorrect information from my report immediately. 



Thank you!
Product: Debt collection

This law firm and collection agency does not comply with FCRA regulations. They have failed to validate the debt as allowed to the debtor under 15 USC 692 ( g ) Section 809 ( b ) but has attempted to collect the following balance of {$1000.00} and {$2500.00} ( two separate accounts ). There is no question that they have willfully violated my rights repeatedly tried to collect debts beyond the state statutory limits. This company has refused to validate the debt and HIPAA authorization as I have requested the following : - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me They have been reported to the state and federal agencies that provide regulatory and enforcement oversight. Confirmation of the previous credit reporting date - beyond 7 years - has been provided to credit reporting agencies.

Finally, they have refused to acknowledge the fact it is an illegal attempt to collect a debt that is beyond the statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with collection agency on XX/XX/XXXX regarding an account thats no longer in collection, due to bankruptcy discharge. I was told the account would be removed from XXXX, however it wasnt removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I also reached out to the Consumer Financial Protection Bureau, because pursuant 16 CFR 313, the Bureau must enforce Federal Law. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed. 

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, TransUnion, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, XXXX, TransUnion, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, XXXX, Transunion, XXXX and XXXX XXXX, are also in violation of XXXX XXXX XXXX ( a ) ( XXXX ), which 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. 

The admissions of the Department XXXX XXXX and XXXX XXXX XXXX XXXX in my consumer file are violations of Federal Law, pursuant to 20 USC 1232g XXXX b ). The XXXX XXXX Rights and Privacy Act is a federal law enacted to protect the privacy of student education records. FERPA protects public and private school records.
Product: Credit card or prepaid card

I was charged by XXXX for XXXX on XX/XX/2021 and XX/XX/2021 from my account from TD BANK ending in XXXX. I disputed the charges both times and I was denied my claim. I had originally contacted XXXX to resolve but they have no record of my card being registered as a form of payment. My XXXX account is being paid through XXXX.
Product: Debt collection

I have a shared debt with my ex to Jefferson Capital Systems , LLC. that was escalated to a debt collector XXXX XXXX XXXX XXXX XXXX ) in XXXX. 

First of all, I tried refinancing with Jefferson Capital Systems and told them that if they couldn't refinance with me I wouldn't be able to make my payments, as my ex ( the co-owner on the car ) backed out of his share on payments when we broke up. They would not even consider it. So I had to voluntarily surrender my car. 

Secondly, I was never served ( I never received a summons! ), yet somehow I ended up sued. Apparently the summons went to my ex 's address and I didn't know about it until my ex told me what happened after the fact. Nevertheless, I made a payment arrangement with XXXX XXXX XXXX XXXX, the debt collector. 

I had been making automatic monthly payments of {$50.00} to XXXX XXXX XXXX XXXX since then ( XX/XX/XXXX ) until XX/XX/XXXX, when I changed banks and forgot to update my payment method with XXXX XXXX XXXX XXXX, and my payments to them stopped. The last payment was on XX/XX/XXXX. 

Nobody ever contacted me in any way to try and collect the debt again, but my boss got a letter in the mail yesterday ( XX/XX/XXXX ), stamp dated XX/XX/XXXX, from the state to garnish my wages. 

I called XXXX XXXX XXXX XXXX this morning at XXXXXXXX XXXX  and asked if I could continue making my payments and they told me no, it was too late. Then the lady I was speaking with told me the state already took over {$500.00} out of my check on XX/XX/XXXX, which isn't true. I got paid my regular amounts on the XXXX and the XXXX, and I verified with my boss that nothing has been garnished. She flat out lied to me, giving me false information that wouldn't even be XXXX XXXX XXXX XXXX 's concern anymore. 

I also have call recording on my phone, but somehow they blocked recording, which makes them even more shady.
Product: Credit card or prepaid card

This is the third time I have asked Home Shopping Network ( HSN ) for an arbitration meeting. I believe that I have paid them enough to be at a XXXX balance. My contract asks that I not sue them, but go through arbitration. I have requested that and a audit of my charges and payments over the last now two and a half years. There was a XXXX XXXX phone that was paid for by XXXX, because it was missing. HSN claims they are not over charging me, but I have paid the on time for the last three years and my balance is on {$100.00} dollars less than it was in 2018.
Product: Credit reporting or other personal consumer reports

I have filed an FTC REPORT as these inquiries where not done with my knowledge or consent XXXX XXXX {$840.00} as of XX/XX/XXXX they have put this account into collections I have no knowledge of this XXXX XXXX XXXX ran a credit report XX/XX/XXXX XXXX XX/XX/XXXX without my knowledge im not sure what this was for XXXX XXXX ran a credit report XX/XX/XXXX XX/XX/XXXX not sure why XXXX XXXX XXXX ran a credit report on XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ran a credit report on XX/XX/XXXXXXXX XXXX XXXX rand a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX credit report on XX/XX/XXXX santander consumer ran a credit report on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX a credit report on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have Contact the credit bureau multiple times about my credit card hard inquiries and unauthorized. I sent letters to the credit bureau explaining that I have had Hard inquiries pull on my credit without my knowledge. I tried to dispute but have not been successful.decreased my score 64. I also have accounts on my credit that have been over the period of time by law ( 15 U.S C those accounts was eligible for dispute and cleared
Product: Credit reporting

On XXXX XXXX, my wife and I asked Trans Union to investigate mistakes on our credit report. My wife received her response in a timely manner, but I have yet to receive my response. We have sent follow-up letters to Trans Union, but we have yet to get an explanation on why my wife received a completed investigation, but they have been unable to provide one for me. The request was made at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX & XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX 'S XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was victim of identity theft, somebody stole my personal information to open credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Help! I have submitted proof of identity theft to TransUnion and XXXX via mail, and the CFPB portal. TransUnion and XXXX continue to furnish a public record on my consumer credit reports. I did not authorize nor give my consent to furnish the Bankruptcy XXXX. Pursuant 1681c-2 ( a ) Block Except as otherwise provided in this section, 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. TransUnion and XXXX is willfully and negligently being noncompliance.
Product: Student loan

The complaint is in response to a phone call made to Nelnet concerning my request to have inaccurate late payments removed from my credit report. My credit report reflects several late payments XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. During all of those time periods my loans were placed in an Administrative Forbearance meaning that my account should have not only been brought current but also backdated to reflect that. During the phone I was told that such reports could not be removed unless I was in the military. The representative explained that although I am correct the Administrative Forbearance is backdated making those payments current once Nelnet reports to the credit bureaus it could not be corrected. Contrary to these assertions, by failing to update previously reported information, Nelnet is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

I have attached an FTC advisory opinion, which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ).

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer-reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.

Nelnet representatives told me that because the delinquent payments were accurately reported that any subsequently initiated forbearance would not allow for Nelnet to update reports to CRAs to show that the payments were not late and actually in forbearance. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * These inaccuracies are hurting my life in a major way and should be corrected.
Product: Payday loan, title loan, personal loan, or advance loan

I have an installment loan with Wells Fargo to replace windows on my home. The date open was XX/XX/. The interest rate is set at 8.99 % Yet each time that I make an on time payments, Wells Fargo takes between 29 % to 33 % of each payment.When I called to ask why. The Rep said I would have to make a larger payment like a {$1000.00}.
Product: Student loan

Hello, I recently changed jobs and my income went down. I applied for recalculation of my REPAYE payment. I submitted a paystub as evidence of current income. The new payment was incorrectly calculated. It was calculated using my gross income, not my Adjusted Gross Income, or taxable  income. I am attaching the paystub with the deductions circled that are not supposed to count toward my XXXX. These are my retirement contributions ( Pension and XXXX ) and my medical FSA. My paystub clearly shows my taxable income. I receive 20 paychecks a year like the paystub submitted. I am paid 10 months of the year since I work in education, they did calculate that part correctly. I am including two paystubs just for extra verification. My new payment should be approximately {$570.00} a month, as I have a child as well. I have written to Fedloan Servicing twice since they miscalculated the payment. The last response from them was on XX/XX/2020. I have not received any further information since then. 


Thank you, XXXX XXXX Account
Product: Credit reporting, credit repair services, or other personal consumer reports

A scam of a Fraud agency by the name of XXXX XXXX   has been posted their frivolous information on my XXXX and Transunion  credit bureaus, I have sent prior complaints to XXXX  and Transunion, I haven't got any positive response. 

I never had any contracts made with this XXXX XXXX   scam, nor I ever had any signed deals to pay any amounts of monies what so ever to them, this Fraudulent agency has not been able to validate it's information, they were not able to provide an invoice from their claimants, nor were they able to provide correct dates of information, It's a Fraudulent scam agency that steals people 's information or buy information on XXXX sheets, I want the credit Bureaus, Trans Union and XXXX  to immediately remove this false Fraudulent scam information from my credit report ASAP before I slam both bureaus with a Federal Lawsuit and huge Punitive charges and damages to my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the following information on my credit report : I believe this information is inaccurate, incomplete, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am asserting my rights under : 15 U.S.C. 1681 : The Fair Credit Reporting Act, which protects consumers from inaccurate or misleading information in their credit reports. 
15 U.S.C. 1681b : My right to privacy and the prohibition of furnishing information without proper authorization. 
15 U.S.C. 1681s : Regarding the furnishing of information related to motor vehicles without written consent. 
15 U.S.C. 1666b : Regarding the treatment of payments on open consumer credit plans. 
I request that you immediately investigate and remove these inaccurate and disputed items from my credit report. I am enclosing a copy of my credit report for your reference. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, I am requesting that you reinvestigate this matter and correct my credit report accordingly.
Product: Credit reporting or other personal consumer reports

This account doesn't belong to my credit profile as is not a credit product.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally dispute XXXX unauthorized hard inquiries that appear on my TransUnion credit report. I did not authorize these inquiries, and I request that they be removed immediately to ensure the accuracy of my credit file. The inquiries in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be included on my credit report with my explicit permission. Since I did not authorize these inquiries, I am requesting that TransUnion investigate and remove them promptly. 

I have attached a copy of my identification and a copy of my credit report highlighting the disputed inquiries for reference. Please provide written confirmation once these inquiries have been removed or if further information is required. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA the following creditors have violated my rights. Under 15 USC 1681 sec 602 states. i have the right to privacy. 15 USC 168 sec 604a sec 2 it also states that a consumer reporting agency can not furnish information about my account without my written instructions. Additionally any amount being disputed on credit report must come off credit report 15 USC 1681 a.1.a.

The following creditors have violated these laws, and are currently reporting these accounts incorrectly. There are also several details on my report that are in dispute, which should not exist on my report : - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  In addition to the above, the following creditors are reporting balances due on my credit report while being actively in dispute. These is illegal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- XXXX I have filed several dispute letter with them, and they have not replied. I have notified them that they are subject to the doctrine of estoppel by silence, and only then did they reply. 

Not one of these creditors have provided adequate proof of the debt, yet continue to report them.