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

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair crediting reporting act the following the following accounts are in violation of my rights according to 15 USC 1681 section 602 ( a ) section 2 & 604 ( a ) section 2 XXXX XXXX XXXX account # XXXX ** XXXX XXXX account # XXXX XXXX XXXX account # XXXX
Product: Credit reporting

While reviewing my EQUIFAX credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on XXXX/XXXX/2015. I did not authorize anyone employed by XXXX to make such erroneous inquiry. 
XXXX XXXX misdeeds constitute fraud and a serious breach of my Privacy Act and FCRA Section 1861 b ( c ). 
XXXX were not legally authorized to unilaterally review my credit without my written consent, thus, an act against the law that has continued to cause me economic hardship and prevents me from securing a meaningful employment.
Product: Credit reporting or other personal consumer reports

In alignment with the Fair Credit Reporting Act : The accounts listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

XXXX XXXX account number XXXXXXXX XXXX account number XXXX XXXX account number XXXX, have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy.

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years.

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.
Product: Student loan

My debt is almost XXXX I contacted kyhigher education to try to get my monthly amount lowered because I can't get deferred they won't let me. My monthly amount right now is XXXX $ I can't afford that on what I make and I've tried several times to address this issue with them and they tell me they can't help me lower my payments.
Product: Bank account or service

NEW DOCUMENTS - THIS IS NOT A DUPLICATE FILING - JPMORGAN CHASE CONTINUES TO DENYMY CLAIM OF FRAUD IN MY NAME. THEY HAVE DENIED CLAIMS FILED THROUGH THEIR COMPANY / POLICE REPORTS / CFPB AND NOW DENIED ONCE AGAIN. PLEASE SEE ATTACHED DOCUMENTS.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a non existing item ( Bankruptcy ) to my consumer report that they are claiming is verified when the furnisher ( XXXX ) has conducted an investigation after i disputed the item and they deleted and removed the item ( see attachments ). Furthermore, i never gave permissible purpose to furnish any negative item to my consumer report much less an item that can not be actively verified. I have disputed several times with XXXX yet they continue to reflect this inaccurate item which is directed violation of my rights as a consumer. This suggests willful non compliance after my request for maximum accuracy. This inaccurate reporting of this item has caused a severe damage to my credit worthiness. Delete and remove this item ( Bankruptcy ) from my consumer report.
Product: Credit card

American Express XXXX $ Gift card being declined at multiple locations, but getting a charge of XXXX cents for no reason. Asked to refund the money, dont want to use it anymore as its being declined everywhere both ( instore and online ). Refused and didnt mention the reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Formal Dispute Regarding Inaccurate Information on My Credit Report Dear consumer financial protection Bureau, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled it a similar manner.

Please review the Inaccurate Information being report : 1. Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Likes Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX timeframe. 

Sincerely, XXXX 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. 

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, 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 an 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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$40.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$880.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX there's a Chase Amazon credit card in I, and my father 's name XXXX XXXX. The card was closed by chase due to idenity theft they said. I paid the card off so they're wouldn't be a strain on our consumer reports, as chase was working to verify the validity of the card the account etc, and/or negated to close the account. I continued to pay the card from my own person bank accounts. Chase finally closed the card. I paid if the card completely and they're still coming after me for XXXX an amount they said I didn't owe and that we were not responsible for as the card was closed for to idenity theft. Well chase bank is still trying to draft this money from us and is reporting this information on our consumer reports. I think I deserve a refund if they've finally come to the conclusion that the account should be closed due to idenity theft, we should be responsible, for nothing of the charges, correct. Clearly they have my banking information with XXXX XXXX XXXX  bc they've tried to draft my checking account today. I think I should be due a full refund for all payments made as well as this information immediately removed from our consumer reports. I think this is an atrocity, a crime against the elderly, a violation of our rights, discrimination, is not factual in any way, which could violate federal and state laws such as Fact act violations, fcra, fdcpa, fcba violations. GLBA rights to privacy defamation of character If it's idenity theft return all of the money You've closed the account but are still trying to collect from a XXXX old man you deemed not responsible You've put it on our consumer reports I've paid over, {$2000.00} to keep this off of our consumer repays while you did your research and concluded idenity theft yet still coming after a XXXX XXXX old man. J.P. MORGAN CHASE YOU SHOULD BE ASHAMED OF YOURSELF
Product: Credit card

I reported to Macy 's that they were reporting inaccurate information on my XXXX credit bureaus. 
I am using my XXXX report as an example : On XX/XX/XXXX I received a letter from Macy 's stating that their reporting was accurate. The account was charged off XX/XX/XXXX since me asking for information on my account Macys has been adding additional Charge Off ratings on this closed account. 
XXXX reported on XX/XX/XXXX Charge off marks added by Macy 's for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then on XX/XX/XXXX XXXX reported additional negative recent CHARGE OFF reporting 's XX/XX/XXXX and XX/XX/XXXX. 
They continue to add negative information to each credit bureau that varies in accuracy. I believe this is violating my Fair Credit Report Act rights and are using deceptive debt collecting practices by continuing to report this inaccurate information on my files. 


This is causing me to be denied for my home loan and I would like this account removed immediately from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the inquiries that appear on my credit report. Specifically, I am disputing the following inquiries : XXXX XX/XX/XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXXXXXX XXXX XXXX XX/XX/XXXX Inquiries XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX, XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXXXXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries I do not recall authorizing any of these inquiries and I have not applied for credit with any of these companies during the time period these inquiries were made. These inquiries are having a negative impact on my credit score and are affecting my ability to obtain credit. I am requesting that these inquiries be removed from my credit report. 

I have enclosed a copy of my credit report highlighting the disputed inquiries for your review. Please investigate this matter and remove the disputed inquiries from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Paramount Recovery Systems added a collection to my credit report without any written notification
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction of Inaccuracies on My Credit Report Good Evening, I hope this message finds you well. I am writing to bring to your attention some inaccuracies I have noticed on my credit report provided by TransUnion. 

Specifically, there are inaccuracies related to my employment information that I would like to have corrected. I kindly request that you remove these job inaccuracies from my report as they do not reflect my current employment status. 

I will be uploading supporting documentation to assist in verifying my claims and to facilitate the correction process. 

Thank you for your prompt attention to this matter. I look forward to your response and the necessary updates to my credit report. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquires on my credit report : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. ~168B1i ), Unverified inquires must be removed. Please investigate and remove any unverifiable inquires.
Product: Credit reporting or other personal consumer reports

I have demanded that these agencies remove these accounts from my credit. That I did not give permission to be there.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed I have been a victim of identity theft a credit inquiry I have no knowledge of. Here are the inquiries I have found. XXXX  XXXX XXXX XXXX. Please remove this inquiry from my credit report.
Product: Student loan

I was with XXXX XXXX. I work at a XXXX XXXX  and applied to get the PSLF plan. While that was processing, I received an email ( XX/XX/XXXX ) from XXXX XXXX stating my IDR is expiring and I need to renew. I submitted my paperwork for renewal and received an email that I was approved for an IDR. I received an email ( XX/XX/XXXX ) that my XXXX payment would be {$320.00}. I received an email on XX/XX/XXXX that my loan was being transferred to Fedloan. The email I received stated that my payment plan would not change. I recieved an email from XXXX XXXX ( XX/XX/XXXX ) that my XXXX bill was due and the amount was XXXX. I paid that as soon as it was available to be paid on the Fed Loan site because I could not pay it on the XXXX XXXX website. I paid XX/XX/XXXX bill through Fed Loan, and it was {$320.00}. I then went to pay XX/XX/XXXX payment, and the amount listed was {$1300.00}. I emailed Fed Loan and was told ( by email on XX/XX/XXXX ) that my IDR was for 4 months and I had to reapply. I went and re-applied, even though I knew I should have been okay. However, the amount owed was not changed and it listed me as late. I was approved for a new IDR, but the payment amount was for {$360.00}. I used the same information ( 1040 ) from XXXX XXXX, but now they want more money. I have repeatedly emailed them and called them to get XX/XX/XXXX payment corrected ( and now XX/XX/XXXX ) and I have requested that my IDR from XXXX XXXX be re-instated because it should have lasted until XX/XX/XXXX. They are effecting my PSLF plan and are going to mess up my credit report. 

I have all the emails from XXXX XXXX and Fed Loan, and I have submitted them to Fed Loan.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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
Product: Debt collection

There was not a box to list for Debt collectors that COME TO YOUR HOME WEEKLY AND SAY THEY ARE WITH THE COURT.

Scott & Associates, PC- Have repeatedly had different people come to my home in very early morning hours, as well as late evenings. The people repeatedly ring the doorbell and knock on the door. They lie and say they are delivering package and have said I have been served as if they are an official government. The notice comes with a yellow paper that says " this can be resolved outside of court and contact us at XXXX. These collectors have come to my home 2-3 times a day in some cases. Today I was left a HUGE red folder taped to my front door along with the yellow paper. this has to stop This has been for myself and my husband as well
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX of the Hudson Valley to set up a payment payment arrangement to pay off my debt of XXXX. The woman I spoke to did not offer me any type of negotiation for the payment arrangement. I offered to make a payment of half, XXXX on XX/XX/XXXX and the remaning half the following week. She stated she would put in a request to post date the payments for XX/XX/XXXX and XXXX. NOT what I had asked for, but I agreed. I also asked for some type of documentation stating I was agreeing to make these payments or an update to the credit bureau and she said that they do not send out docs or update until the payment is made in full.XXXX  My family is now sick with XXXX so I had to take off a few days of work, so I was not able to make the payment for XX/XX/XXXX. I contacted CBHV XX/XX/XXXX and the man i spoke with earlier told me that I was confusing him when I informed him that I needed to cancel the payment for XX/XX/XXXX and set up a different and smaller payment arrangement. He at first said that I could do a {$XXXX} payment and gave me the dates that we could start that. The dates that we had agreed on was {$XXXX} on XX/XX/XXXX, {$XXXX} on XX/XX/XXXX and I would have agreed to {$XXXX} XXXX and I agreed and then as soon as I agreed he changed it up and said " Ok, so I'm going to put in that you'll pay XXXX XX/XX/XXXX and then again on XXXX ''. That is NOT what I said and when I confronted him about the change, he said that I initially spoke WITH him and he was insistent that I spoke WITH him on XX/XX/XXXX and why couldnt I agree with XXXX, because thats what we agreed upon when I spoke with you last friday. I took your money, I KNOW I spoke to you. XXXX not allowed to make a payment less than {$XXXX} so thats why you need to make the XXXX payment and you cant spread these payments out for longer than what it needs to. He also insisted that no communication will be sent out for the payment agreement or anything other paperwork stating I am in an agreement. He said that I would receive paperwork before the payment I set up ( i dont remember what date now ) within XXXX weeks and then was insistent on telling me today was Saturday and that I would receive the payment agreement paperowrk by the end of XX/XX/XXXX. He also stated that my credit report wouldnt be updated until the payment was made in full, not even a paid/ontime payment notice would be sent to the bureau. and the bureaus will be contacted in XXXX XXXX so now we're talking XXXX before my credit states this is paid off. XXXX are quick to add this to my credit report though.. I was honestly shocked that he would lie and change up the terms he had given me! I also heard another woman XXXX  at a customer in the background!