23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

ATTENTION : Consumer Financial Protection Bureau XX/XX/2021 Re : Direct Express Claim # XXXX This email and the attached documents are in regards to the above mentioned claim, As you will no doubt see the Fraud Services Dept. Fraud Investigations Team in charge of stolen cards has acted abysmally. To simplify from here on I will refer to them as the fraud dept. The fraud dept. in an email sent to me on the XXXX of XX/XX/2021 stated that the info contained in the email was what the fraud dept. relied on in making their determination said determination being to deny the return of my stolen money. I have attempted in several ways to contact the fraud dept. some of which are evident in the paperwork Im attaching. Faxing and email are out of the question as you will see if you attempt to fax or email the fraud dept. even though the fraud dept. requested a police report from XXXX the DAs office handles such crimes, so thats where I filed the report as per case # XXXX. I am attaching all the information I have and sending it to you in hopes that you will intervene or at least be aware of this companies terrible way of dealing with my situation which has now become dire in respect to my financial status. The fraud dept. says there was a conflict between my info and theirs however as of today I still dont know what the fraud dept. is saying was a conflict as I have never received any paperwork explaining what said conflict is unless fraud dept. is referring to the aforementioned email which I am attaching as received ( page XXXX is as received ) .. I am hopeful that you will be able to reach the fraud dept. and resolve this before I am financially ruined. My explanation of what occurred on XX/XX/2021 is attached first in the attachments. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have been going over my credit report and I noticed that there were a lot of inaccuracies on my report. I have been trying to communicate with the three credit bureaus on my own to fix and correct these issues but they are now ignoring my requests to investigate and fix the issues on my report that I pointed out to them. Since they didnt fix the issue I read on XXXX the fair credit reporting act that they have 30 days to investigate and correct the issues and if they are unable to verify the disputed items then they must delete them BY LAW!! Well it has been well over thirty days and they have done nothing! Also the act said that they must delete the disputed items while they are under investigation and they didnt even do that! I have been monitoring my credit report very closely and they have completely violated my rights as a federally protected consumer. I ask that you please help me to enforce my rights with these companies and have them do what is right by the law and delete all of my disputed accounts since they could not verify the validity of them in 30 days. Thank you.
Product: Debt collection

I wrote full description outlining all crimes felonies rigthpath aka Mr Cooper aka national m mortgage did to XXXX XXXX Copying XXXX  exploiting extorting crimes as XXXX XXXX did, but it d I speared 2xs already. Combine all cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Family Credit Management 2 years ago to help consolidate my debt. Since then nothing seems to be improving. My debt is going down but at same time they fail to inform me of changes that are being made. Examples are late payments and missed payments. I pay them two times a month and I trust them to deliver the funds to the correct account. I feel that by going through them to repair my credit is it has gotten far worse. While I had debt it was manageable and steady decrease and credit score was decent. Now I barely have any open credit accounts and its hard to open new credit lines to build credit. The amount paid twice a month are XXXX dollars. During the past few months the amount has suppose to be increased to XXXX to meet the demands of the creditors and they failed to mention this to me as I noticed missed payments and late payments.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you of a severe and urgent issue regarding the compromise of my Social Security number, which has made me a victim of a data breach and identity theft. I have already contacted the Federal Trade Commission ( FTC ) and filed an official FTC Report, which is enclosed with this correspondence. I am demanding that you, as a credit reporting agency, immediately block and remove all fraudulent information from my credit report as required under 15 U.S.C. 1681c-2 ( c ) ( a ). This statute mandates that you act within 4 business days of receiving my complaint. It is outrageous that the following items remain on my credit report, despite this clear requirement : XXXX XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX  - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Non-Compliance with FCRA Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax for its ongoing and blatant disregard of the Fair Credit Reporting Act ( FCRA ) guidelines, specifically concerning identity theft protection and accurate credit reporting requirements. Despite providing Equifax with a validated Federal Trade Commission Identity Theft Report ( # XXXX ), police documentation, and verification of my identity on XX/XX/ 2024, Equifax has failed to comply with FCRA Section 605B ( 15 U.S.C. 1681c-2 ). This provision mandates that credit reporting agencies block fraudulent information from credit reports within four business days upon receiving appropriate documentation.

Equifaxs failure to remove this fraudulent account has caused significant financial and emotional harm, including denied credit applications and damage to my creditworthiness. This ongoing non-compliance demonstrates Equifax 's unwillingness to adhere to consumer protection laws, and I am requesting the CFPB to take enforcement action against Equifax to ensure compliance and accountability.

Attached is the demand letter I sent to Equifax, which provides detailed evidence of their non-compliance. I am seeking the CFPBs intervention to compel Equifax to follow the law, remove the fraudulent account promptly, and address the damages caused by their negligence.

Thank you for your attention to this matter.
Product: Student loan

Hi, My name is XXXX, and I have about {$25000.00} in XXXX subsidized and {$28000.00} in XXXX unsubsidized loans from Navient. This was for my XXXX in which I graduated in 2010. I consolidated my loans with the Department of Education around the end of 2010, and I remember qualifying for an interest deduction of XXXX off my interest rate of 6.8 %. Then after the XXXX loan was transferred to Navient, they only list my old interest rate of 6.8 %. I asked them for the promissory note for my consolidation about 2 years ago, and they have failed to give it to me. I believe they may have lost it, and they are charging me a higher interest rate because they lost my promissory note. 

Please let me know what my options are to get my original consolidated promissory note with my reduced interest rate. Also, if they do not have documentation of my loan, what can I do about that? Can I discharge my debts? Please let me know. Thank you very much I appreciate your help and I think you guys are doing a great job! 

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

I submitted disputes to the XXXX credit reporting businesses and they still have the inaccurate information associated with me. I've filed disputes in XXXX XXXX and XXXX of this year. They report inaccurate information with no solid way of confirming accurate information verses fraudulent info.
Product: Credit card or prepaid card

I have three credit card with Bank of America..I lost my job in XXXX 2016 and I had a XXXX XXXX XXXX XXXX which I stop working on. I work in a XXXX is not a steady pay. I called the bank several time to see if they can Work with me and they said that I do n't make enough to even cover their minimum payment. The interest is to high for me to catch up with the payments as of right now. I 'm so up set because of this situation is killing my credit score.
Product: Mortgage

I am reporting to you a Complaint against Selene Finance XXXX XXXX XXXX - Loan # XXXX ) who has fraudulently reported me to the Credit Bureau for a mortgage loan debt that was discharged on XXXX XXXX, 2013. The Chapter XXXX case number was XXXX. The Honarable XXXX XXXX XXXX was the United States Bankruptcy Judge granting the dismissal. This loan has been transferred to three different Servicers in the last year. Selene previously reported it to the Credit Bureau but removed it after being informed by the Trustee of the Case. They just reported it again. It has caused me to be turned down for an auto loan, and to be approved for a lease on a new apartment. Their reporting dropped my credit score XXXX ( XXXX XXXX points. No other Lender has done this to me accept for this non-bank Servicer, inexperienced in Loan Servicing Matters. The are also guilty of " Dual Tracking '' as they are considering me for a HAMP MOD, while continuing to move forward on foreclosing on my property. Please help me resolve this matter XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Mailing XXXX XXXX XXXX XXXX Florida XXXX : XXXX Financial Loan Number XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name, 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.
Product: Credit card or prepaid card

Citi Costco Visa credit card closed my credit card in XX/XX/XXXX without notification. In XX/XX/XXXX I received a letter explaining that they closed my credit card because my membership with Costco has not been renewed. Also, the accumulated cash back that they need to pay me by XXXX, a litter more than {$940.00} have been forfeited. I called Citi and Costco and they verified that my membership with Costco is active until XX/XX/XXXX. Following Citi instructions, I applied to reopen the credit card to save my {$940.00} in accumulated cash back. I have been calling Citi and Costco to get an update about my credit card but Citi cant provide any information of my case by phone. I have been waiting for a promised call from Costco but no body call me. I have more than 700 in credit score, I paid my credit card in full every months. In 36 months with Citi Costco VISA, I only pay late in XX/XX/XXXX, the remaining 35 months I paid the credit card on time. My membership with Costco is active and I do not need to renew it until XXXX. It is unfair that they closed my credit card 2 months before they need to pay me {$940.00} in cash back reward. See attached copy of the letter from Citi Costco Visa and my active membership with Costco.
Product: Credit reporting or other personal consumer reports

Please DELETE this account, XXXX XXXX XXXX XXXX XXXXXXXX Inaccuracies Identified Across Credit Bureaus Date Opened Discrepancy : XXXX reports the date opened as XX/XX/2024, while XXXX lists it as XX/XX/2024. 
This inconsistency violates FCRA Section 611 [ 15 U.S.C. 1681i ], requiring accurate and consistent reporting.

1.Balance Reporting : The account balance of {$590.00} is inconsistent with the reported high credit of {$550.00}. 
This contradicts Metro 2 Compliance Standards, which mandate accurate representation of account balances and high credit. 
2. Payment Status and Reporting Issues : Both bureaus list the account as Coll/Chargeoff without providing verifiable documentation to substantiate this claim.

This violates FCRA Section 623 [ 15 U.S.C. 1681s-2 ], which requires data furnishers to ensure accurate reporting and provide proof upon dispute.

3. Inadequate Documentation of Collection Activity : No verifiable documentation has been provided to substantiate the collection claim, as required under FCRA Section 611.
Product: Checking or savings account

XXXX XXXX transferred my account to citizen bank. My husbands pension got transferred into Citizen bank. Citizen bank now say I can not transfer or use payment systems unless I have a US address. 
I do not have a US address and both XXXX and Citizen are aware of this. 
The only way we can access funds is via ATM which as Im in the XXXX there is a large fee. Its cost around {$50.00} dollars in fees so far. As Im withdrawing from ATMs there is a maximum dispense of around {$500.00} so it takes several visits which is also very inconvenient. 

Citizen had originally told me I could use online banking with a XXXX phone number, this was untrue so I set up a US number too. 
Once I had validated my account they told me they could only transfer to US accounts so I set up a Wise account. 
Then they said ok you cant transfer without a US address and there I drew the line.
Product: Credit reporting

This account was removed from my credt report and not dispalying history and limit, which effects my credit score. 

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

This morning XX/XX/year> I received an alert on my credit that all my Federal student loans that are being serviced by XXXX are back on my credit report. I received forgiveness and have a XXXX balance. I also have a letter stating this.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : # XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX , XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX Bankruptcy : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

On my transuion and XXXX report, these are inquiries I do not recognize. 

TransUnion - XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion- XXXX XXXX TransUnion- XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX I reached out to the companies and they could not give me any information on where these inquiries came from.
Product: Prepaid card

I was an XXXX  at the XXXX XXXX XXXX In XXXX, Delaware, and used the ( GTL ) Global Tel LinkXXXX ( XXXX ) XXXX CoXXXX XXXX account for calling and commissary. Upon release, I had a XXXX credit due to my unused services. I had made multiple attempts to retrieve these funds in phone conversations with GTL and have been denied my refund. This conservation took place approximately XXXX XXXX of XXXX. My inmate I.D. # is XXXX.
Product: Credit reporting or other personal consumer reports

This has been an ongoing issue with the Credit Reporting agencies ( Transunion, XXXX, and XXXX ) reporting inaccurate information to my credit report. I've contacted each agency XXXX, XXXX, and XXXX of XXXX  to resolve the issue. There is an account showing in charge-off status that has since been cancelled, forgiven, and written off by the lender. The lender has written this debt off and it has now become taxable income. Taxable income CAN NOT be reported on a consumer 's profile. I've requested proof to show me where income is reported as debt on a credit profile and have yet to receive a response. Each bureau has the responsibility to report maximum accuracy on my credit profile. Reporting an account that is not disputable and is now considered income is now in violation of 15 USC 1681 ( e ) b
Product: Credit reporting, credit repair services, or other personal consumer reports

I left the agency and I was paid my annual leave. They removed my leave then put it back on and issued me a leave and earnings statement that they charged my leave as taxable wages. The same amount issued to me as taxable wages was reported to the credit bureau as a charge off. It was not a charge off, it was issued to me as income which was reported as wages on my leave and earnings statement and federal/state taxes. I submitted a ticket to the agency The Ticket Number is XXXX. I also have a case file that was open ( case number XXXX ).
Product: Credit card or prepaid card

On XX/XX/2022, my card was charged {$660.00} instead of {$65.00} when in XXXX. When I got back to America I disputed the charge on XX/XX/XXXX. They got back to me XX/XX/XXXX saying they were researching the dispute and on XX/XX/XXXX they confirmed the transaction was valid. I put in a dispute again the day after, and on XX/XX/XXXX they began researching again, and found the charges valid. On XX/XX/XXXX, I disputed again, told me they were researching XX/XX/XXXX, and confirmed they were valid XX/XX/XXXX. In XXXX I filed a dispute again, XXXX XXXX  XXXX they said they were researching, XX/XX/XXXX they said they believed my dispute, but too much time has passed so they couldnt give me my money back. 

The charge happened on XX/XX/2022 when I was in XXXX. I was at XXXX XXXX XXXX restaurant for lunch where my bill was XXXXXXXX EGP ( {$65.00} USD ). I handed the waiter my card and bill, he charged me XXXX EGP ( {$660.00} ). They then took my friends card and billed her the correct amount of {$65.00}. After many failed attempts with Chase Bank, I contacted the restaurant over XXXX XXXX in XXXX. They immediately replied and said they have the receipt right here, sent me the receipt, then sent me a bank statement. This bank statement was them transferring the XXXX EGP to a bank account under the name XXXX XXXX I am not him. 

I still have all the receipts and conversations with the restaurant if needed.
Product: Debt collection

I purchased a dog bowl from XXXX XXXX and I used XXXX. It was 4 payments of {$36.00} each for a total charge of of {$140.00}. 

Trot Pets went out of business and never sent me the product. I provided all of this documentation to XXXX several times and they sent my account to a collection agency. I did not pay them because I never received the product. 

The 4 charges go XXXX  were done through my credit card company ( XXXX ) who also reversed my charges to XXXX because I never received my dog bowl because the company went out of business. 

I just received notification today that True Accord Collection Agency has finished their investigations and I am responsible. 

Again-I did not receive the merchandise.
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 Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have online account with Experian. Who has been having problems login into my Experian account. Who recently requested a change of password. Who granted me the change of password. Who than tried login into my account twice. Who was unsuccessful login into my account. I personally believe I am being ignored by Experian in allowing me to login and preventing from removing negatives items from my credit report. Which are payments scams of fraud. I also provide them documents. that support my dispute. President Joe Biden said consumers rights to file complaints of being discriminated against.