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

This complaint is to all 3 credit bureaus ( XXXX XXXX, XXXX, Equifax ) XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. I have demanded that these items be removed/deleted from my credit report.15 U.S. Code 1681 - Congressional Findings and Statement of Purpose.15 U.S. Code 1681e - Compliance procedures a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title
Product: Debt collection

I received written communication from lvnv funding llc in XX/XX/XXXX. Not recognizing the debt and certainly not accepting the amount, I disputed the debt in writing within 30 days. They responded with a breakdown showing the wrong amount and not accounting for it anywhere. They are attempting to collect a debt they can't even properly validate. I gave them 30 days to respond showing a breakdown of how they got the amount they did, but they never responded. I want it off my credit report since I consider that an attempt to collect a debt they could not validate the actual amount from.
Product: Debt collection

I defaulted on a loan with XXXX. The loan was sold to a collection company ( agent ) I made a payoff agreement with the agent of XXXX to payoff for removal. One the debt was paid off XXXX placed the debt back on my credit as a paid off collection and will not remove it as per the agreement with it 's agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed bankruptcy back in XXXX never gave written consent for personal information to be sold or reporting on my credit report. 

The federal law privacy act of XXXX XXXX My rights have been violated
Product: Money transfer, virtual currency, or money service

They closed my account and I had over XXXX dollars and when I tried to contact I kept getting the run around
Product: Debt collection

The company is trident and they are trying to collect a debt that does not belong to me. It's in the amount of {$69.00} and I want it off my credit report. I've disputed this item many times to no avail.
Product: Credit reporting or other personal consumer reports

XXXX disputes division updated balances on three of my accounts to reflect I owe XXXX dollars on these three accounts, but when it comes to changing and updating my credit report to reflect I owe no dollars, XXXX still has not updated this area of my credit file. They are showing very high credit utilitzation on three accounts that have been paid approzimately on XX/XX/24. 

XXXX XXXX- {$26000.00} is still showing as owed even though it's XXXX owed on account ending XXXX. 

XXXX XXXX {$3800.00} is showing as owed even though it's XXXX owed on account ending XXXX. 

XXXX XXXX- {$10000.00} is showing as owed even though it's XXXX on account ending XXXX. 

XXXX 's failure to update my credit report and only update it on their disputes section of my file is severely hurting my XXXX XXXX and affecting my ability to purchase a new vehicle at a reasonable interest rate. I've disputed this with XXXX and the three companies over the past three weeks and all three companies claim they've sent the updated information to XXXX. I believe all three companies have sent the correct information because my XXXX file has been updated showing I don't owe this money anymore. XXXX file even shows I don't owe this money on their disputes page, but when you look at my credit report, it still shows I owe these amounts. XXXX is failing to update my credit report accurately.
Product: Debt collection

company keep calling and harassing my co workers and myself. per 15 U.S. Code 1692b - Acquisition of location information : per 15 U.S. Code 1692d - Harassment or abuse- on 05/10/2023 : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX XXXX  XXXX Account Number : XXXX Inquiries XXXX Date of inquiry : XX/XX/XXXX FACTUAL DATA Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX NAME : XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXX XXXX XXXX, AK XXXX EMPLOYER : XXXX XXXXXXXX XXXX
Product: Student loan

American Education Services has changed how payments are applied without clear notice - advancing due dates, due to prepayment, without my consent ). It has failed to adequately respond to issues with their direct debit payment system including notifications of processing errors solely due to their own internal issues. They have also failed to uphold the direct debit agreement, changing the payment amounts without my explicit consent or notification as I pay off my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank - Account # XXXX Just learned that exgirlfriend put me on account as authorized user without my knowledge. It is now on my credit report and keeping me from aquiring a home for my XXXX children. The debt is not mine.
Product: Credit reporting or other personal consumer reports

I have contacted this credit reporting company about the account ( s ) listed on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreements to show full ownership of such accounts, proof of how they verified all accounts and also other documents so I may review to see if this is actually an account that belongs to me. 
ACCOUNTS : 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: Checking or savings account

On XX/XX/23 I sent {$4000.00} to my close friend for back to school shoes and clothes through XXXX  directly from the Wells Fargo app. 5 minutes later he tells me he didnt received the {$4000.00} I just sent. Called Wells Fargo last Thursday the XXXX they open my claim but Ive yet to receive my money back it is now the XXXX. Ive called back several times and they just keep telling me the case is still open and ongoing. This is outrageous I dont have any money for rent Im a struggling college student just trying to get by but cant even depend on my bank for my own money back!
Product: Checking or savings account

Capital One has not paid me my direct deposit since it was released by my job Wednesday. Now its Friday and I dont have the money from my paycheck.
Product: Credit reporting or other personal consumer reports

My Information was exposed in a data breach with Equifax. I tried to dispute items through websites without success as well as doing the credit freeze on my report I spent time calling, mailing letters, and doing extensive research to get these items removed from my report.
Product: Mortgage

Metropolitan Home Mortgage offered me no cost loan to refinance my house, however after many reassurances of no cost loan, in the middle of the process they demanded several thousands of dollars to proceed with the loan.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX. {$67.00}. I'm filling a report because I XXXX XXXX Don't make these transactions. XXXX/ACCT # XXXX XXXX XXXX XXXX XX/XX/XXXX. {$4400.00}. I'm filling a report because I XXXX XXXX Don't make these transactions. XXXX/ACCT # XXXX XXXX XXXX XXXX XX/XX/XXXX. {$2400.00}. I'm filling a report because I XXXX XXXX Don't make these transactions XXXX/ACCT # XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card or prepaid card

On XX/XX/XXXX, around XXXX I wanted to make a deposit of the amount of {$300.00} cash on a Bank of America ATM drive thru. When it took my cash it had returned a {$5.00} that flew off from the air and had to back up and get it. Then the machine had an error and did not give me the rest of my cash or did it went through because I did not received a receipt or a that the transaction was made. I reached bank of america and they said I needto wait but I waited too long and I want my money back. Can you please help me get my money back. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! 
XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX - XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. 
My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.
Product: Student loan

I currently owe Navient {$24000.00} for two loans : original amt {$10000.00} and {$15000.00}. I also have loans with XXXX that total roughly XXXX, bringing my total to approx. {$44000.00}. 

Yesterday, I called Navient to discuss a IDRP form that I sent in and other possible options. I advised my loan processor XXXX that I was uncomfortable with the IDRP form after doing research on what happens to your loan forgiveness amount. I explained to her that I was concerned about the forgiven amount becoming " earned income '' that I could be taxed on in the future. XXXX said she had never heard of such a thing. I tried to explain that it was true, but she wasn't listening. This gave me zero confidence in her abilities to advise me on anything. She then proceeded to inform me that my total loan amount had jumped up to {$69000.00} in six month 's time. I told her that this must be a discrepancy and she said that it was not, and in fact, was compound interest of exactly {$24000.00} in that 6 month duration. I went onto the XXXX site to look over my loans and saw that it appeared to be a duplicate entry as the total owed amount is exactly the same on both lines. XXXX put me on hold so she could speak to her supervisor and then came back and said that the amounts were correct and that it was compound interest. I explained to her that there is no way I could have accrued that much interest in 6 months and why wasn't this told to me if that was the case? I then asked her to provide me a report showing all the charges I've incurred on loan via email, and she did not agree, but said she would call me back in 30 mins. That was over 2 hours ago. 
I tried to call the XXXX of XXXX XXXX, but they were not helpful and just asked me to call Navient again or file some kind of discrepancy dispute form on their website. 
If they are allowed to charge that much interest in that short amount of time, then that is criminal. I have never seen a more perverse system that entraps people so deeply and cruelly. Something must be done!
Product: Credit reporting, credit repair services, or other personal consumer reports

My information have been involved in a data breach and there are XXXX negative accounts that is reporting negatively on my credit report i have file a report with the Federal Trade Commission ( FTC ) as well as filed police report of the incident the accounts need to be deleted off of my report I feel like this incident have really held me back financially and it need a resolution. the accounts that is reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found out my information was breached on XX/XX/2022. I have placed fraud alert on my credit profile and filed a complaint with the XXXX XXXX XXXX.
Product: Credit card

I am writing to dispute an investigation error by American Express in the amount of {$8000.00} on my account. The seller, XXXX XXXX XXXX XXXX XXXX XXXX, charged me for XXXX item and delivered WRONG/DAMAGED item. When my order was delivered to my XXXX, New Jersey home on XXXX XXXX, 2015, XXXX was immediately advised XXXX that the wrong dining room table had been delivered, and that it was damaged as well, appearing to be second-hand. Indeed the delivery receipt indicates that the wrong - and damaged - table was delivered. This is a classic example of bait and switch. 
Despite repeated efforts to resolve this matter, XXXX have not replaced the wrongly delivered dining room table with the XXXX ordered. 
I have made a good faith effort to resolve the dispute with the seller, XXXX. I have diligently worked with American Express Customer Service Department by providing all requested documentation to support my position. However, American Express customer service representatives have managed to mishandle situation 4 times by simply closing the disputes ( Dispute Reference Numbers : XXXX, XXXX, XXXX, XXXX ) based on merchants provided cancellation and return policy. American Express customer service department have ignored valid support documentation confirming that I received a WRONG/DAMAGED item and written notice from XXXX XXXX, the owner of the XXXX, that XXXX made a mistake. 
The merchant 's cancellation and return policy MUST NOT apply to the wrong - and damaged - table that was delivered.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPNAY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM.
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 XXXX XXXX XXXX. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX 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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding a matter that has significantly impacted my financial standing. I appreciate your attention to this issue and seek your assistance in resolving the situation. 

On XX/XX/2023, I accepted the payment presented by XXXX XXXX, considering it as an implicit agreement to the terms presented. I have evidence that I sent a second notice to XXXX XXXX on XX/XX/2023 seeking clarification, resolution and an opportunity to cure this matter. On XX/XX/2023 I sent a notice of dishonor and estoppel which I have all three letters and return receipts proving that XXXX XXXX received my correspondence. Unfortunately, I have not received any response from XXXX XXXX, leading me to believe that they have accepted the terms outlined in my letter. 

Despite this tacit agreement, I am now facing adverse actions from XXXX XXXX, particularly in their attempt to negatively impact my credit score. I find this action to be unjust and in violation of the understanding I had assumed through the acceptance of their payment. 

At your request I will provide copies of the relevant documents, including my letters to XXXX XXXX and any correspondence I have received from them. I kindly request that you investigate this matter thoroughly and take appropriate action to remedy the situation. 

I trust that the Consumer Financial Protection Bureau will act diligently to ensure fair and just resolution in this case. Please keep me informed about the progress of your investigation and any steps taken to address my concerns. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX