23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C 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. 


XXXX Names : XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

To whom it may concern, I wrote you requesting validation of this alleged debt on. I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of ( Your state ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Best Regards Your name
Product: Credit reporting or other personal consumer reports

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

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

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

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Student loan

In   XXXX  , I worked with my student loan servicer to consolidate my loans. At the time I had just completed my   XXXX   XXXX   and had a daughter in college with loans. I spent a great amount of time on the phone with an employee of the servicer going over the consolidation, repayment options, and the public service loan forgiveness program  (  which I was qualified for ). I believed the employee was being truthful with me and that I could look forward to beginning to repay my loans so that I could get through my 10 years of public service loan forgiveness ( PSLF ). As my in school deferment was ending, I called  FedLoan ba ck to find out what my payments would be and to make sure everything was set for me to begin repayment on the PSLF. At this time I spoke to a very helpful gentlemen who informed me that unfortunately my loans had been consolidated incorrectly ( my daughter 's loans had been added to mine ) and that I would not qualify for IDR or other plans. I stayed on the phone with him for a very long time while he attempted to find out if their was anything he could do to stop or re-do my consolidation. I was in tears and he genuinely seemed to be trying to assist me. It is unfortunate that we were not able to figure anything out. There was no way I could afford {$1200.00} + monthly and he was very apologetic. If only the person I talked to from the beginning had the same moral and customer service driven mindset. He helped me apply for forbearance in hopes that by the time it ended I would have found a better paying position using my degree. Unfortunately, that has not happened and I have not only not been able to find a better paying job, but I have not been able to find a second job that could pay this amount. I have called back to FedLoan several time to see if there is any remedy because I really want to begin paying my loans, but have no way to pay so much a month. I was told that if I ca n't pay the total amount due that I ca n't pay anything at all. This does not sound correct to me.     After reading up on my issue, I found that it has been a common problem with FedLoan Servicing to make consolidation errors, repayment errors, payment calculation errors, and give misinformation to students/ former students beginning to make their loan repayments. I know see that my case is just part of the bigger issue, but unlike some others I truly want to complete my PSLF. I have lost 3 years of the 10 years of payments I am expected to make and that is very disheartening to me. I would love to know what remedy their is for me and others like myself. Thank you.
Product: Credit reporting

There are XXXX XXXX XXXX XXXX hard inquiries that appear on my Equifax credit report XXXX and XXXX XXXX XXXX XXXX hard inquiry on my TransUnion credit report ( XXXX ). 
I have no knowledge of these inquiries. These inquiries were not authorized by me. My middle initial is " XXXX '' and I think my information my be confused with someone who has the middle initial of " XXXX '' Please advise.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union. This is regarding multiple overdraft fees I have incurred in the last few years ( XXXX ) despite having sufficient funds when payments were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially having funds available. I believe these practices were unfair and I am requesting an investigation into my account.
Product: Credit reporting or other personal consumer reports

I have been a client of American Express For About A Year With Good Payment History. However After Reviewing My Credit Report I Have Noticed Late Payments On My Report. American Expressed Switched My Account To Another Department Without My Knowledge, resulting in several late payments as I was completely unaware of the switch, unaware of the department along with the contact information of department. After several attempts of contacting American Express to pay on time, I was consistently given the wrong information which resulted in these late payments. I tried to resolve this issue with company, but they refuse to help although as a consumer I feel my rights were violated 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required
Product: Checking or savings account

The online program indicated the transaction went through, but suggested it might take a few minutes to clear. No email was sent to me of transaction. My balance in account remains the same. My bank ( XXXX  ) claims they have received no money. No transaction history exists on line, There is no one to talk to at COINBASE. They instead of chat boxes that supply machine answers. I have followed all their suggestions, and i have no answers. I insisted on a call from a human, and the chat box didn't understand the question. This is enfuriating. Please, help. I opened the account in XXXX, i've had all types of issues, never was able to talk to a person. Companies like this should not be allowed to do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681Account Name & Number : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all of the accounts and inquires below as they are a result of Fraud and Identity theft. I have included the identity theft reports as well. 

Also, please remove all late payment from XXXX. If you look at my XXXX report it's showing no late payments. Please remove all late payments from XXXX and XXXX. This is against the law and my rights. 

Also, I have included a credit report from XXXX XXXX, Myfico, and XXXX. All of these reports show different information from my Equifax report. You are stopping me from getting mortgage loans by continuing to report inaccurate information. Please remove these accounts asap. Lastly, on your own site when I log into my Equifax report, that report is again different from the ones on XXXX and Myfico. This is against the law. 

Lastly I included a picture of a credit report you sent me in the mail that is completely different that what I see on the site. The confirmation number was # XXXX. This truly is against my rights as has prevent me from getting a mortgage and these items need to be fixed asap. 

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

I am submitting a complaint for XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including insuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) and conducting a proper reinvestigation to remove the errors within the required XXXX  day period 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, XXXX, XXXX. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX  will not remove a collection account from my file that I have disputed since I discovered it on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX placed a Collection account on my credit files for {$1800.00} on behalf of XXXX Bank. The account has been on my credit profile since XX/XX/XXXX. 

I have disputed this over and over since XX/XX/XXXX. The credit bureaus continue to say they have already " validated the debt '' in a previous dispute and they refuse to contact the original creditor and dispute the claim correctly. 

I have reported this to the original creditor years ago as a fraudulent account. XXXX still sent the account to a collection agency knowing I was disputing the fact that the account was even mine in the first place.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Information Services XXXX Please be advised that this is my SECOND WRITTEN REQUEST regarding inaccuracies on my credit report. Despite previous correspondence, the following unverified items persist on my credit report, which is a violation of Federal Law. As per the Fair Credit Reporting Act ( FCRA ), it is mandatory for you to possess original creditors ' documentation to verify the accuracy of the information. In your previous investigation, you claimed to have " verified '' these items as being " reported correctly. '' However, I question the validity of this verification process and demand clarification on who verified these accounts. 

To comply with the FCRA, you are obligated under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) to furnish me with a copy of the original documentation, specifically a consumer contract bearing my signature. Furthermore, under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete any information that can not be verified.

It is imperative to understand the legal consequences outlined in Section 617 of the FCRA regarding civil liability for negligent noncompliance. I want to emphasize my intention to pursue litigation should you fail to rectify this matter promptly and in accordance with the law. 

I demand immediate verification or deletion of the following accounts : XXXX Account Number : XXXX This account is inaccurately reported as late. I have never missed any payments for this account. Furthermore, this account has exceeded the statute of limitations. Please remove it from my credit report. 



XXXX  XXXX  Account Number : XXXX Despite being paid, this account remains on my credit report. It has also surpassed the statute of limitations. Please remove it from my credit report. 



XXXX  XXXX  Account Number : XXXX I have not provided written consent for this account to be included in my report, which is a direct violation of my rights under 15 USC 1681i. Additionally, I was never informed of the sale of my personal information. Please remove this inaccurate information from my credit report. 



XXXX XXXX XXXX Account Number : XXXX This account constitutes a HIPAA violation. Please remove it from my credit report. 



XXXX XXXX XXXX Account Number : XXXX Similar to the previous account, I have not provided written consent for this account to be included in my report, and I was not informed of its sale. Please remove this violation from my credit report. 


Additionally, I request the removal of all non-account holding inquiries over 30 days old and the addition of a Promotional Suppression to my credit file. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

my account is in dispute for unknown transactions and has sent to debt collector before the disputes were over. my account not in negative so why would I pay you anything?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I submitted disputes online with equifax, along with uploading documentation, as to the inaccurate Date of Birth being reported. Upon every attempt, Equifax immediately closed the dispute stating the incorrect information was in fact verified as correct, and NO changes would be made. I have had several attempts blocked from dispute, stating I had to have a different reason to dispute the same information before they would " investigate '' further. I have suffered severe hits to my credit, as well as unidentified charges to this day that can not be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I wanted to report that this company is violating my rights under Fair Credit Reporting Act 15 USC 1681-6028 that states I have the right to privacy & 15 USC 1681- 6042 that says I have to give written permission to put on my report Both of these have not been done. to the following companies. 

XXXX XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would request that these companies info would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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
Product: Credit card

I have the below unauthorised payment happening on my card for the past 6 months and AMEX has not investigated this issue for me.
Product: Money transfer, virtual currency, or money service

I am writing to express serious concerns about Zelles approach to dispute resolution, particularly in light of the recent CFPB lawsuit that highlights critical shortcomings within the platform. Despite numerous transactions and multiple reports of discrepancies, neither Zelle nor my financial institution made a meaningful effort to investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions could not be done. The CFPBs findings make it clear that Zelle has consistently failed to protect its users, instead creating an environment where repeat offenders can exploit the system and leave consumers vulnerable to fraud. This lack of accountability and transparency is unacceptable, casting serious doubt on the platforms commitment to consumer safety and protection.