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

On XXXX XXXX I receive a letter from Eqquifax with my incorrect address XXXX XXXX   XXXX XXXX, Ca,XXXX in which XXXX XXXX is closed and Equifax has my new mailing address on their data. 

Equifax is sharing my private information to Equifax in XXXX in which I don't live in XXXX.This is a violation of Federal Laws in United States. Why is Equifax sharing my private information to XXXX and ruining my credit with Derogatory remarks and unauthorize inquiries. 

On XXXX XXXX XXXX credit reporting agency has placed the derogatory remarks of lates payments of XXXX and XXXX in which XXXX has deleted the derogatory remarks on XXXX XXXX. 
XXXX and XXXX has communicated with each other in placing the derogatory remarks back on my credit report with XXXX. 
This is a Retaliation and Discrimination againstt me as a XXXX XXXX XXXX and US Military Veteran and my XXXX XXXX. 
XXXX, Equifax, XXXX and XXXX XXXX XXXX has violated my XXXX XXXX Civil Rights Act under Department of Justice. 

I am XXXX XXXX, XXXX  and a US XXXX XXXX Military Veteran.
Product: Debt collection

I Consumer XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Navy Federal Credit Union made me purchase insurance separately. The finance charge is also supposed to include service to the vehicle but that didnt happen. Navy Federal also failed to inform me of my right to rescind.
Product: Debt collection

I was contacted by ERC debt collection regarding an alleged unpaid account with " XXXX XXXX XXXX XXXX '' ( per " Enclosure1.pdf '' ). I do not believe I had ever maintained the alleged account, and I replied in writing to request documentation showing that I was responsible for the debt ( per " Enclosure2.pdf '' ). 

On XX/XX/2019, ERC acknowledged receipt of my reply. ERC stated that it was unable to provide documentation around the account, would cease collection activity, and would request that the account be deleted from any consumer credit reporting files ( per " Enclosure3.pdf '' ). 

This never occurred and, as of XX/XX/2019, the account is still listed as in collections on my credit report with XXXX ( per " Enclosure4.pdf '' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, the only response received was to question my identity. To date, no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as XXXX. XXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. This needs to be resolved. According to XXXX U.S. Code 1666b, 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.
Product: Credit reporting or other personal consumer reports

Loqbox have ask me to make an report to your guys company I just want it deleted the account was opened fraudulently I just want it gone and would like to press charges
Product: Student loan

I have contacted XXXX and my current servicer, XXXX, about an error in my national student loan data file. My federal undergraduate and graduate loans were rolled into a federal consolidation loan with Conduent on XX/XX/XXXX. One of my previous loans ( XXXX XXXX XXXX XXXX XXXX ) serviced by XXXX  ( loan XXXX ) was coded incorrectly as Paid in full ( PF ) instead of Paid in full by consolidation ( PN ). I have spoken with supervisors at XXXX, XXXX, and XXXX. Each call has lasted 3-4 hours due to high call volumes and multiple transfers. I am awaiting my loan history document request to be processed, they are having difficulty processing requests in a timely fashion given the overall burden on the industry associated with the end of the repayment pause. 

I have reviewed my loan history and analyzed it with respect to the guidance on the one-time account adjustment guidance published on the Department of Education website ( XXXX XXXX XXXX  ). I have made 306 of the 300 payments required for forgiveness under IDR according to the new rules. 

**If the status of the above referenced loan had been coded correctly, I would have been granted forgiveness on my {$150000.00} in loans with the first wave of borrowers on XX/XX/XXXX. ** Not only should I not be required to make the {$340.00} monthly payments on this loan, I should also be receiving a refund for six payments. 

The loan status error in my file is among the many errors Conduent was ordered to remediate after the XXXX CFPB investigation into their unfair and incompetent servicing practices. Before that, I was a victim of Conduent 's unfair practices, going in and out of forbearance dozens of times when my wife and I were unable to afford our {$2500.00} in student loan payments each month, when Conduent should have advised us of our eligibility for IBR, that would have cut our payments by XXXX 

This is a very important financial issue for our family. I have asked for my case to be escalated to the XXXX ombudsman and have not received a reply yet. 

It should not be this difficult to get this status updated. I know that the Biden administration is very motivated to forgive as many loans as possible as quickly as possible, but these administrative challenges need to be handled in a more efficient and rational manner to achieve this. I am very hopeful that you can help me get this corrected as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX or XXXX
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. 

ACCOUNTS XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX  : XXXXXXXX XXXX XXXX XXXXXXXX BUILD : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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

XXXX XXXX XXXX Account XXXX XXXX Telephone Number and Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX In accordance with the Fair Credit Reporting act. The list of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15U.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 advance 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: Debt collection

On XX/XX/2019, I have received an alert from XXXX  that an account has been flagged as collections. The account was an old XXXX XXXX account. Previously, XXXX XXXX sent the account to another agency that was not authorized in the State of Florida. The company SECURITY CREDIT SERVICES placed account # XXXX on my report. The company, SECURITY CREDIT SERVICES did not notify me of the debt. I have checked my credit report consistently,  and have never seen them until XX/XX/2019. I have also checked the US Postal Mail, and have not received any form of communication. According to the Fair Debt Collection Practices Act, a collector has to send you a written " Validation notice '' within five days of first contacting you. The notice has to state : How much money I owe, the name of the creditor I owe it too, and what to do if I do not think it is my debt. SECURITY CREDIT SERVICES has not done what they are required to do. They never sent any form of communication before they placed the debt in my file. They did not provide notice for me to dispute the debt or any portion thereof. 
*Collection Agency is on Page 55 of the credit report obtained from XXXX*
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.
Product: Credit reporting or other personal consumer reports

This consumer credit reporting agency claimed to have verified errors, balance and inaccuracy 's on my credit report, how is this possible. This account has no balance as you can see attach letter from the furnisher on page XXXX marked in the box with the XXXX. Make sure you look on page XXXX as the CFPB will have this on record. So there for this account must be deleted or remove from my credit report right now Account : XXXX XXXX XXXX
Product: Debt collection

This company continues to pursue a debt that was a result of fraud on my banking account, they are harassing me continually. I sent them a written validation letter via mail demanding proof of the debt claims. I stated in my letter to show they are the original owners of the debt, the only proof TRS is bringing forward is activity on my account that wasn't me and that was a fraud. This issue has already been resolved with my bank, and XXXX XXXX legal action could be taken in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX   XXXX BANK CARD. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the remove of the late payments I am currently full current yet the late marks are killing my credit score I could use some accommodation to help protect my credit .The CARES Act calls these agreements accommodations.
Product: Student loan

I took on a number of student loans during XXXX school. After I graduated in XXXX, I worked for the federal government, and sought information about the Public Service Loan Forgiveness Program ( " PSLF '' ) -- a program where I could get loan forgiveness on direct loans after 120 qualifying monthly payments. 

In XX/XX/XXXX, Nelnet sent me an email telling me that I had qualified for a " Special Direct Consolidation Loan Opportunity. '' A copy of this email will be submitted with my comments. I spoke with several Nelnet representatives on the phone and told them that I wanted to consolidate my loans in order to make payments pursuant to the PSLF. I submitted an application. A copy of the email confirming my application will be submitted with my comments. After this, I continued to apply for income-based repayment and make payments on my loans, believing that my payments were counting toward loan forgiveness for all of my loans. 

Years later, in XXXX, when I began the process of recertifying my payment program, a Nelnet representative told me that a significant portion of my loans ( nearly 50 % of the balance ) did not qualify for PSLF because they had not been consolidated as direct loans. I told her that I had consolidated in a " special direct consolidation  loan opportunity '' and she told me that process hadn't actually consolidated my loans into direct loans. Now, on several follow up calls, Nelnet representatives have given me conflicting and inaccurate information about which of my loans might qualify for PSLF. 

I believe that I was mislead by Nelnet telling me I was in a " DIRECT consolidated loan opportunity '' when in fact my loans were NOT consolidated into direct loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Failed Account Investigation Violations of 15 U.S.C. 1681s-2, 15 U.S.C. 1681i, 15 U.S.C. 1637 ( b ), 15 U.S.C. 1666b, and TILA ( Truth in Lending Act ) Dear CFPB Representatives, I hope this letter finds you well. I am writing to **file a formal complaint** regarding the investigation of an account that has been incorrectly reported on my credit report. Below is the information needed to identify the account : - Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Date of Late Payment : XXXX I received a notification stating that the account in question had been " verified. '' However, this response did not adequately address the concerns raised in my original request and failed to comply with the legal requirements. 

I am submitting this complaint because I believe the investigation was insufficient and constitutes a violation of the following legal provisions : 1. **15 U.S.C. 1681s-2** : This law requires information providers to correct or remove inaccurate or incomplete information when notified of a valid dispute. In this case, the information remains incorrect, which constitutes a violation.

2. **15 U.S.C. 1681i** : Refers to the requirement that credit reporting agencies conduct a reasonable investigation when a consumer disputes information. The investigation performed does not seem to meet this standard.

3. **15 U.S.C. 1637 ( b ) ** : Under the **Truth in Lending Act ( TILA ) **, credit card issuers and creditors are required to provide clear and accurate statements to consumers. I have not received any documentation that meets this requirement regarding the disputed charges.

4. **15 U.S.C. 1666b** : Requires the creditor to provide an account statement reflecting any disputed charges within a reasonable time frame. To date, this has not occurred.

5. **Truth in Lending Act ( TILA ) ** : Under TILA, creditors are required to provide clear and understandable terms and conditions, including details about charges on accounts. The creditor has failed to meet this requirement, hindering my ability to understand the terms of the account and the associated charges.
Product: Credit reporting or other personal consumer reports

transunion send me a verified that XXXX XXXX account # XXXX belongs to me. i never asked for verification of the account. This account reports inaccurate information which is clear violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii the information is, in fact, inaccurate. Duty a moral or legal obligation ; a responsibility Accurate correct in all details ; exact. this account has been charged off The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate By Definition The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 5-2. 
I also want the method of verification for XXXX XXXX account # XXXX
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

Delete the inquirie below : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX  account number XXXX investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Product: Debt collection

I have called several times in a days time. This was XX/XX/2023. Everytime I called, I've explained about identity theft and that someone used my social security number and pay card. The times I've tried to explain, I couldn't get a representative. I just want this removed from my report because I have a family and I am looking to buy a bigger home but this hurts my report.
Product: Credit reporting

Tax lien paid back in XXXX. Reports on credit bureaus show paid XX/XX/XXXX. Information is no correct. I 've dispute this issue for a year now. I called TU and asked how they verified and was told that they did but could n't send any paperwork out or tell me how they verified. I told them I have the fair credit act on my side and I want the info. They did n't give me anything. This tax lien was paid years ago. I 've asked all credit bureaus to verify the info, they have but with incorrect information. XXXX XXXX REGISTER OF DEEDS TAX LIEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax, XXXX and XXXX requesting that they correct this mistaken account being stated on my XXXX XXXX because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on Decemebr XXXX, XXXX, and to notify them that I am halfway to taking lawful action and litigate Equifax, XXXX and XXXX for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp due to inadequate customer service and unfair practices, which violate the consumers financial protection act. Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected for a vast amount of time. Furthermore their dispute process was unfair and deceptive and gave me no resolution to my issue. These actions have caused severe financial loss and i seek appropriate help on this matter.
Product: Credit reporting

I filed an dispute with Experian and advised them that hard inquiries on credit reports are removed two years after the anniversary date. Experian never gave me a response. The following inquiries are past the two year date : XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013, XXXX XXXX XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013, XXXX XXXX/XXXX/2013.
Product: Debt collection

I had previously disputed this XXXX XXXX I never received a bill. After the dispute I called XXXX and told them at the time I had these services I didnt have health insurance. It was for the emergency room. I was in the waiting period for health insurance. I dont remember who I talked to. I explained my situation and told her I was now on Social Security XXXX and I had no way of paying this because I barely have enough money after my home, utilities and medication was paid for. I have applied for financial assistance through XXXX because of my financial situation. This account is 5 years old and I was under the impression they were going to take it off my report. I sorry if I wasnt supposed to file a complaint because I wasnt able to file another dispute.
Product: Debt collection

These collection company keeps filing debts on my credit report without contacting me a giving me a chance to dispute debt. Under the FTC law I have the right to receive notification prior to a debt being posted o credit report. Then given 30 days to dispute. I have not been given either. XXXX XXXX filed a debt that was paid. Now this has hurt my credit report and I will be filing a complaint with the AG of Texas and speaking with an attorney about damages. 

SOUTHWEST CREDIT SYSTEM Original creditor : XXXX XXXX {$82.00}