23daVinci/CFPB_Complaints huggingface dataset:
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, 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 card

i paid several companies a large sum of money for an at home business.to make a long story short i was XXXX was shocked when i called my XXXX card and they told me they could not help me.in XX/XX/2015 i paid XXXX XXXX and XXXX charges of XXXX XX/XX/2015 i paid XXXX XXXX charges that added up to XXXX i paid XXXX XXXX charges to XXXX explained to my card company that i was not rendered any services at all.i was told i had 540 days to dispute these charges as charges for undelivered goods and services.these companies also violated the telemarketing and consumer fraud and abuse prevention act.this all fell on deaf ears. if these laws are in the books should my bank follow them.i think my bank is not treating me the way i should be legally.with all my claims and defenses how can my card treat me this way.how can a company like XXXX do business with these merchants.i would like an explanation from my card as to why i was turned away.i forgot to mention to the bank about scamming the elderly another crime. needless to say i am very confused about my situation with my credit card.
Product: Credit reporting or other personal consumer reports

They are reporting 60 days past due and also showing account closed with a XXXX balance thats not correct how can it be 60 days past due then I paid this account off and its affecting my credit profile I will be contacting a lawyer
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XXXX/XXXX/XXXX  ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights.

I am disputing the following negative items, which I strongly believe may be linked to a data breach : Name : XXXX XXXX XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Debt collection

In XX/XX/2015 I went to see my primary physician who was set to retire. According to the collection agency I owe for the visits but have a letter from my insurance provider it was paid to the hospital. During this time I was also made aware all my sensitive information was hacked from XXXX including my social and medical records. The doctor I saw no longer works for XXXX XXXX which I believe is making this problem harder to solve. 

Over the last 3 weeks I have called the collection agency and sent them documents with no response. Orginally I called in saying I had proof of paymeny and they didnt want to except it. I had to ask for a supervisor and get a run around before a WRONG EMAIL was given to me. I had to call back go through the same hassle and ended up with still no response from them.
Product: Credit reporting or other personal consumer reports

Equifax has completely and irresponsibly handled every dispute for the last 12 months. When called they say they are putting disputes in but hook return call the new person says no such thing has happened. They told me to use the app but the app crashes, can not handle and submitted documents and will direct you to make a call to the company. When submitting over mail company has refused to analyze documents saying they are unacceptable they are getting photos copies of legal documents I would never send them a document they have been known not to process. They have received my correct XXXX credit report and have still refused to investigate issues. They have given return mail they dont recall sending when I call back and they are requesting the same verification files Ive already set. They do not investigate issues as other companies have. They violate consumer rights and say its no there responsibility to investigate issues only the company whos errors/frauds. They dont run FCRA standard investigations. Ive disputing files for 1.5 years with this company and they have not researched a single issues
Product: Credit reporting, credit repair services, or other personal consumer reports

Was inquiring about a mortgage from credco/XXXX, and did an online application. I later realized they pulled my credit twice on varied dates and both appear in my credit. I expected them to pull my credit once for their consideration.
Product: Credit reporting or other personal consumer reports

ATTACHED TO THE DISPUTE LETTER IS PROOF THIS IDENTITY THEFT REPORT WAS IN FACT FILED ON IDENTITYTHEFT. GOV WEBSITE AND AN OFFICIAL. EXPERIAN, XXXX and XXXX CLAIM THIS IS NOT A REAL REPORT. IT IS A REAL REPORT WITH PROOF! I have uploaded a second identity theft report affidavit that iis IN FACT been filed with an official government website. IDENTITYTHEFT.gov is an official website to report the id theft. I have submitted my document once again. THESE ARE OFFICIAL AND AUTHENTIC REPORTS BEING MADE. Please quit stalling and delaying the process as I am tracking the time length and the FCRA states I have rights to a fair investigation. Please investigate and block the information immediately as it is harming my report and name. I will pursue litigation with damages very soon. The bureaus are now in default of a proper response time of over 30 days. This is another violation..
Product: Checking or savings account

Account was opened with US bank in second week of XXXX. Per their terms, {$600.00} bonus was offered upon opening an account and satisfying the conditions of direct deposit and enrollment in the online banking. 

Both conditions were satisfied in the timely manner. There was 60 day period to receive the bonus after conditions were met. I reached out to US bank 4 months after account opening and I was told that I have already met the conditions and do not need to take any action. Bonus will be deposited once account goes through review process. 

I reached out to US bank on XX/XX/year> again, they verified and told me again that account was eligible for bonus based on completed activities and should have received the bonus. I was asked to wait 3 to 5 business days to receive the bonus. Today, it is 5 days completed and my account is still not credited with bonus that was promised. It is also take note that US bank is will outside of their promised processing times and this is unnecessary burden on the customer to try to get the bonus promised by the bank to lure customers to open an account.
Product: Credit reporting or other personal consumer reports

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

I filed a dispute with TransUnion against several different companies that took longer than 30days to get a resolution. 18 U.S.C. 894 COLLECTION OF EXTENSIONS OF CREDIT BY EXTORTIONATE MEANS TO COLLECT OR ATTEMPT TO COLLECT ANY EXTENSION OF CREDIT, OR PUNISH ANY PERSON FOR THE NONREPAYMENT THEREOF. COMPANIES ARE IN VIOLATION OF THE ECOA, CCPA, TILA. ALSO WITHHOLDING CREDIT IS SECURITY FRAUD. The information that they have on my credit report needs to be removed and in a timely manner!
Product: Credit card or prepaid card

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 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Product: Money transfer, virtual currency, or money service

I am a person in the United States who is a victim of a XXXX XXXX scam i saw an ad for a XXXX pro. they Told me to use XXXX and friends and family method so that my money would not be protected or have security i then was contacted by another fraud who is supposed to be part of the XXXX in XXXX XXXX XXXX and i was supposed to give him extra funds for the XXXX i decided to delete them and all other people that are involved and contacted the police about the situation conversations, images, videos etc. 

i even contacted other people like the XXXX the XXXX the CFPB police. etc I the contacted the business institutions of XXXX and First national bank about situation and they refused to help me get an reimbursement and this is the only way that i can help. 
Any and all XXXX Transactions are Scammed transactions
Product: Credit reporting or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused XXXXXXXX XXXX and defamation of character along with XXXX days of no response.
Product: Student loan

My loan servicing was tranferred to FedLoan Servicing the beginning of this year when I indicated I was pursuin g Public Service Loan Forgiveness ( PSLF ). According to their guidelines, FedLoan Servicing was to provide me with an accounting of how many of my payments qualify for PSLF within 90 days of the transfer. FedLoan Servicing has failed to provide me with any information. When I called them, they said they needed additional time. I have my doubts they will ever provide me anything that is accurate. FedLoan Servicing is the sole servicer for PSLF. This is their job! It should n't taken f orever to get this information. Please look into for me. Thank you.
Product: Student loan

I am one of the victims of XXXX/Navient. I made the mistake of consolidating my loans XX/XX/XXXX! I originally borrowed XXXX. It is XX/XX/XXXX and I am still paying the XXXX payment every month. I am a XXXX and work in a district in need and have requested forgiveness twice. I 've paid triple what I borrowed and still have miles to go. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credits report I noticed a charged off still reporting monthly to the credit bureaus! I never received a 1099c or cancellation of debt.
Product: Checking or savings account

My debit card was apparently physically stolen from a XXXX gas station in XXXX, Alabama, where I live, on XX/XX/year>. While I was sleeping, the thief went on a spending spree overnight to several gas stations. I realized what had happened the next day when the thief attempted to make a purchase for approximately {$950.00} at a XXXX XXXX, and SoFi denied the charge as fraudulent. Clearly, SoFi was aware that someone had stolen my card. I also called immediately after I saw the attempted charge to alert SoFi.

My claim for reimbursement for the fraudulent charges was denied as no fraudulent activity occurred. Clearly, it did, and SoFi was aware it did, hence flagging the XXXX XXXX XXXX. The last XXXX digits of my checking account are XXXX. The fraudulent charges are listed below : BP # XXXX XXXX XXXX - {$110.00} Highway XXXX Convenience - {$17.00} XXXX XXXX - {$43.00} XXXX - {$95.00} XXXX - {$35.00} Circle K - {$37.00} XXXX - {$43.00} Total : {$380.00} Also, note that I attempted to report all fraudulent charges within XXXX hours of them being charged to my account. However, charges that were " XXXX '' I was not allowed by SoFi to report until they were " Posted. '' I suspect this may have been an attempt to get around the XXXX hour reporting rule.
Product: Debt collection

My loan was transferred to LoanCare , LLC, Loan # XXXX, serving company on XX/XX/19. I have not been able to get with touch with someone regarding my account. Everytime I call they acknowledge that I have an account and then state I can not make payments. This loan was XXXX current with XXXX XXXX prior to this transfer. I have attempted to call all numbers affiliated with this servicing company. I have spent 3-4 hours EVERY DAY for the past week attempting to make the payment. I am put on hold, transferred, hung up on. I have all phone records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report XX/XX/XXXX and notice there were hard inquiries on my credit report that I dont have permissible purpose to be on there these hard inquiries are hurting me from being approved recognize I have reach out to all credit bureaus in the fraud department and these items are still in my credit profile. My rights are now being violated under 15 usc 168 1b XXXX XXXXXXXX XXXX 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
Product: Debt collection

Have contacted XXXX XXXX the third party who purchased XXXX debt and delete number out of times. Sent XXXX my bankeupcty and have XXXX XXXX in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with ChexSystems recently after receiving a copy of my report. There was a credit union by the name of XXXX XXXX XXXX that said I owed them close to {$600.00}. I disputed that because that was included in a bankruptcy years ago. 
When I received the response from ChexSystems they told me that they had contacted the United States Bankruptcy Court to verify that it was included in a bankruptcy and it was. I have a serious issue with their response and here is why ; 1. That particular entry has been in my ChexSystems report since XX/XX/2015. 
2. ChexSystems said that they had to verify the information I was disputing with the United States Bankruptcy Court. Why was this information not verified before it was entered into my ChexSystems report? 
3. Because of these actions, I can not trust ChexSystems and they should be investigated for entering information without verifying it first. I've been doing my research and apparently there a lot of people with similar issues. 
4. The letter I received from them said that they removed the XXXX XXXX XXXX entry from my report, but I still can't seem to open another account with a different bank? What is the reason for this? 
5. The copy of the ChexSystems report doesn't show any other negative entries, although I'm not sure I'm reading it correctly. All I see is where they say that XXXX XXXX XXXX is being removed, then inquiries of companies looking me up for whatever reason. What else is holding me up on this report? 
6. How can I be notified each time someone has accessed my ChexSystems information? The credit bureaus have this available to all consumers. You should have the same or something similar. 
7. How do I submit that I don't want anyone accessing my ChexSystems report unless I have authorized it? 

I have attached a scanned copy of the letter from ChexSystems. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I refinanced my vehicle from XXXX in XX/XX/XXXX. I received a notice that a late payment would be reported to the credit bureaus if payment was not made by XX/XX/XXXX. My payment was received on XX/XX/XXXX for the full payoff amount. XXXX later reported my final Payment as late causing my credit score To drop significantly. I disputed the inaccurate information immediately following the negative report.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX  Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I never gave no one permissible purpose to pull my credit report these inquiries are a result of identity thief and these inquiries need to be blocked immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported in my file you maintain under my Social Security number. Upon reviewing a copy of my credit report I see the listing below has high impact to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to remove the disputed items completely from my Credit Report despite all the letters and complaints I have been sendong them. I have read that the Credit Bueaaus are required to remove the disputed items completely from a consumer 's Credit report under the Fair Creit Reporting Act section 605b, however, upon reviewing my updated credit report, I came tio a conclusion that the Credit Bureaus became negligent of their duty. I am now submitting this complaint to inform the Credit Bureaus that I have been offered help from my legal counsel and that they are willing to help my file a lawsuit against the Credit Bureaus if they stilll chose to not comply with my requests. If the Credit Bureaus do not want to be brought up to court, I need them to remove the following items completely from my Credit File : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXXXXXX Balance - Date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON   XXXX     I MOVED OUT OF THE APARTMENTS.   XXXX   XXXX   A COLLECTION COMPANY NAMED  XXXX   XXXX   XXXX    XXXX   XXXX  , REPORTED A DEBT IN THE AMOUNT OF  XXXX  ON MY CREDIT REPORT. I NEVER RECEIVED A DEBT VALIDATION NOTICE. I KNOW I HAVE 30 DAYS TO DISPUTE A DEBT BEFORE IT IS REPORTED ON MY CREDIT REPORT. BEING THAT I DID NOT MOVE OUT UNTIL THE   XXXX   XXXX   XXXX   THERE IS NO WAY THAT  XXXX   XXXX  COULD HAVE SERVED ME WITH THE DEBT VALIDATION NOTICE BEFORE   XXXX   XXXX   AND THEN LEGALLY REPORTED IT ON MY CREDIT FILE, BECAUSE THAT IS LESS THAN 30 DAYS.     I SPOKE WITH THE ORIGINAL CREDITOR,  XXXX   XXXX  AT  XXXX , AND THEY ALSO STATED THAT THEY DID NOT EVEN COMPLETE THE INVOICE UNTIL  XX/XX/17   . THEY ALSO STATED THAT ONCE THE INVOICE IS FINALIZED THEY ALLOW THE CONSUMER 14 DAYS TO PAY THE ACCOUNT BEFORE SENDING THE ACCOUNT OFF TO COLLECTIONS.     I WOULD LIKE THIS DEBT TO BE REMOVED AND I WOULD LIKE TO BE NOTICED PROPERLY. THESE TIME LINES DO NOT ADD UP. THE EARLIEST DATE THIS DEBT COULD HAVE BEEN REPORTED ON MY CREDIT REPORT IS  XX/XX/2017    AND THAT IS IF THEY HAD NOTICED ME, WHICH THEY NEVER DID.     I WENT TO THE ORIGINAL CREDITOR ON   XXXX   XXXX   AND OBTAINED A COPY OF THE INVOICE AND DEBT THAT I WISH TO DISPUTE. I HAVE INCLUDED THAT INFORMATION WITH THIS DISPUTE
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 : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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.