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

Both Experian and XXXX are in violation of the FCRA section 609, advising that verifiable proof must be provided when requested if consumer is disputing the accuracy of information listed. I have sent several disputes the latest being sent XX/XX/XXXX via certified mail asking them to abide by the laws and show proof of a Chapter XXXX Bankruptcy listed. I sent in proof from the XXXX Georgia Bankruptcy court that they do not provide any information or verification to any credit bureaus. I also contacted XXXX XXXX and confirmed there is a freeze currently in place that prevents ANY third party from obtaining any credit or financial information, including public records. The notice I received from bothExperian and XXXX on XX/XX/XXXX states that they verified this information with Lexis nexis and that is not true ( see screenshots from XXXX XXXX   ).
Product: Vehicle loan or lease

My ex husband XXXX XXXX was awarded this vehicle in our divorce. He was court ordered to refinance the loan and put it in his name in XXXX, but he did not comply. In XXXX he had the car repossessed and I was not notified. I found out after it was too late from him. BB & T never notified me or contacted me to let me know that they would be repossessing the vehicle. XXXX surrendered it without my approval. I never had a chance to fix the problem and was not aware that he did not refinance it until it was too late. It is now reflected in my credit as a repossession which is not a reflection of my true credit worthiness as I had no control over this. I would like the record removed from all of my reports on each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested that Transunion, XXXX and XXXX validate that a bankruptcy that was reporting on my credit report was indeed mine. However, XXXX was the only one that replied verified although they did not investigate. Transunion and XXXX actually ignored my request. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. They violated my rights by not investigating and ignoring my request. The courts do not validate and there's nothing on my XXXX  XXXX reporting that shows any sign of a bankruptcy.
Product: Credit reporting or other personal consumer reports

I had three credit card accounts which were reporting to Equifax, XXXX, and XXXX. However, these accounts had different balance amounts. Due to being a victim of identity theft on the Dark Web, as confirmed by XXXX, I placed a freeze on XXXXXXXX XXXX and XXXX. I am filing a complaint with the Consumer Financial Protection Bureau regarding these issues. 

The derogatory marks from these three credit cards need to be removed from all three credit reporting agencies ( XXXX, Equifax, and XXXX ) because you did not provide written consent for this misinformation to be reported. Additionally, there have been numerous hard pulls from lenders and businesses that I am not familiar with at all, which further violates your privacy rights. It is important to rectify these inaccuracies and protect your reputation by ensuring that the erroneous information is removed from all three credit reporting agencies! 

Furthermore, the request to remove the derogatory marks extends to all the hard pull inquiries as well. I am not familiar with the majority of these inquiries, apart from XXXX, it is important to rectify the inaccuracies against my Privacy and rights per CFPB! I am requesting the removal of all unauthorized hard pulls and to ensure that my credit report accurately reflects only the inquiries you have authorized or are familiar with. In conclusion, this complaint is made with a strong emphasis on protecting my privacy rights, as guaranteed by the Consumer Financial Protection Bureau ( CFPB ). The unauthorized reporting of misinformation from the three credit card accounts to XXXX, Equifax, and XXXX, along with multiple hard-pull inquiries from unfamiliar lenders and businesses, is a clear violation of my privacy rights. One reports 7 negative Marks another just 3 and another 5. 


I request that all derogatory marks associated with these credit cards and the various inacurate information be immediately removed from all three credit reporting agencies, ensuring the accuracy and integrity of my credit reports. Additionally, I demand the removal of all unauthorized hard pull inquiries that I am not familiar with, with the exception of XXXX. 


By addressing these concerns, I seek to restore my creditworthiness, protect my personal information, and maintain the privacy rights that are fundamental to every consumer. I trust that the Consumer Financial Protection Bureau will take appropriate action to rectify these infringements and prevent such violations in the future. 


Thank you for your attention to this matter and for upholding the principles of privacy rights and consumer protection.
Product: Debt collection

Ability recovery services is attempting to collect {$880.00} from me. This is a result of identity left and I have no idea what it is for. I requested them to send proof with my written signature that this debt belongs to me. And they werent able to provide the information, but states the debt is valid. This account is reporting on XXXX and XXXX, but has already been removed from XXXX XXXX. This company is not registered with the state of Ohio secretary, therefore, they can not collect this invalidated debt from me
Product: Money transfer, virtual currency, or money service

Last year Cashapp closed my account without any warning or explanation. I chatted with them about three times and was told they would get back to me with an explanation of why my account was blocked. As of today, XX/XX/2024, I am still waiting for an answer. I explained to them that I haven't done anything wrong, and that if someone who I sent or received money from did anything wrong I did not have anything to do with it. Before my account was abruptly closed I had been using Cashapp for years without any problems so if I actually did anything wrong it was unintentional. More than likely, someone tried to use my Cashapp account to scam me or involve my account in some kind of illegal activity.
Product: Debt collection

I notice a debt collection on my credit report for some kind of medical service and I haven't received any mail from the original creditor, first of all I haven't go to the doctor in over 6 months the account has been opened recently and the service provider is located in a different state since I couldn't find one with that name near me, I call the creditor twice first time no one answered, my second attempt finally spoke with someone about it and I requested a verification letter and name address and state license number but they couldn't provide me with one at the time, there having me call at a later time,
Product: Credit reporting or other personal consumer reports

I got a free copy of my credit report from XXXX XXXX XXXX and theres are multiple requests for credit that I never applied for or gave permission for and I don't understand how or why they are on my credit report. My fear is this could be a sign of attempted identity theft, I have done fraud report on the FTC website and identity theft reports on the goverment website. I am also putting fraud alerts on my credit and I have signed up for credit monitoring service so I can make sure to be notified if this happens again. I have done research and I've found this under The Fair Credit Reporting Act law. ( 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt ). That is what I'm doing, I'm requesting to have all these fraudelent credit inquiries removed from my credit report. As I said I didn't apply for anything, sign anything or give anyone permission to look at my credit for any reason whatsoever so these inquiries are unauthorized. I called Equifax Credit Bureau and explained everything to them. They told me I had to contact the companies that did the credit inquiry to have it removed. So I did what they said, I called the phone numbers listed with the inquiry and explained to them that I wanted them to remove their unauthorized credit inquiry from Equifax. They all gave me basically the same exact response, we can't remove the inquiry you have to call Equifax, only Equifax can remove the inquiry. So I then called Equifax again and told them what the companies said, and they refused to help me. So I did more research and found that I could file a complaint with CFPB over companies not following the law, and have the CFPB contact XXXX XXXX and have them remove these fraudelent credit inquiries. I don't want to get anyone in trouble, I just want them to stop violating my rights under Fair Credit Reporting Act law.
Product: Debt collection

On XX/XX/XXXX my XXXX XXXXXXXX XXXX accounts ( checking and savings ) had been frozen for garnishment based on a judgement made against me in XXXX. I understood this action, and worked immediately to open a new bank account to pay the debt collector, Midland Credit Management. I was able to pay the full amount of {$2000.00} as soon as I got my new debit card in the mail on XX/XX/XXXX. I was told that the amount of {$2000.00} would clear my debt and that paperwork to release my bank account would be submitted to XXXX XXXX within 24-48 hours. I waited patiently for the release of my account, but it never happened. I called MCM to check on the status of my case on XX/XX/XXXX and the representative told me I owed {$1.00}. When I told him I had paid my debt in full, he placed me on hold and said " not to worry about the {$1.00} '' which I believe was interest that had accrued since the date I had paid them, indicating that they had not closed my paid-off account. Furthermore, my payment does not reflect on their website. It shows that I have a balance of {$2000.00}, and " payment history '' is blank, which is inaccurate. When I ask about these things, they tell me they can not give me any information beyond that " the account is paid off and closed. '' I have asked several times for proof that I have paid the debt and for the paperwork to be submitted to my bank, so that my account may be released. I asked for these things to be done again by phone on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX, I was told that " XXXX '' would speak to the attorney at MCM, and I have not heard back or gotten any resolve since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

TU Credit Reporting alerted me to a new Collections account filed from XXXX XXXX in the amount of {$190.00} with an original date of XX/XX/2017. At that date, I had just turned 18 years old for 3 days and could not have accumulated this debt. 

I have no records showing an amount of {$190.00} I had no credit accounts at that time. 
I have received no letter from XXXX XXXX. 

What I believe happened is that my name was mixed up with that of my XXXX/debt-owed father. This debt is not mine and impacts my ability to gain credit for student loans and rentals.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting companies are actively preventing the calling public from speaking with a live person. The options/choices to choose from are not adequate yet it's not possible to get ANYONE to speak with and explain the reason for calling. 
Also, if pressing XXXX when calling Equifax, the caller gets cut off. 
Tried to find out what the reason is for my credit score to be quoted under XXXX. In my opinion it should be much higher if not quite a perfect XXXX! 

There is great variance ( in my case it's XXXX points ) between the lowest and highest listed by the XXXX main agencies. This is crazy and it also shows that they are doing a VERY losusy job.
Product: Student loan

To whom it may concern, I called Aidvantage the last week of XXXX to request a portion of my student loan back due to the CARES act. I was told it would take 4-6 weeks. Then on XX/XX/XXXX, I called back to check on the status. It was then found out that the request was never processed. The person helping me Submitted a neo request of {$20000.00}. He said he would escalate the situation, and said that I will see the balance back on my Aidvantage account soon. I called back today XX/XX/XXXX to check on the status. I dont want them to drop the ball again. The person said that it will again take 4-8weeks. I am getting mixed information about timelines and expedited procedures that Aidvantage doesnt seem to be able to hold. I have contacted them via email to explain my situation. I am not happy with how they are handling this situation since the student loan refund Cares act is nothing new. Thank you for helping me.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. 

The details of these accounts are as follows : XXXX XXXX XXXX, Acct # XXXX, XXXX XXXX, Acct # XXXX & Acct # XXXX, Jefferson Capital, Acct # XXXX, XXXX XXXX, Acct # XXXX and XXXX XXXX, Acct # XXXX These companies are 3rd party debt collectors. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and CAN NOT be reported to your credit report. It is important to have these accounts removed immediately. 

I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

XXXX, XXXX, and XXXX are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by XXXX XXXX XXXX, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition. Section XXXX ( a ) ( XXXX ) of XXXX XXXX XXXX states that a consumer reporting agency XXXX furnish a consumer report only in accordance with the written instructions of the consumer. 

Neither the financial institutions, XXXX XXXX XXXX, XXXX XXXX, Jefferson Capital, XXXX XXXX, and XXXX XXXX nor the consumer reporting agencies, XXXX, XXXX, and XXXX, have my consent to furnish this information, and they certainly do not have my expressed written consent. Any previous consent given to, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now REVOKED. 

The Furnishers of Information to credit agencies including : XXXX XXXX XXXX, XXXX XXXX, Jefferson Capital, XXXX XXXX, and XXXX XXXX  did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Accounts that are being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX XXXX XXXX, XXXX XXXX, Jefferson Capital, XXXX XXXX, and XXXX XXXX are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services.
Product: Credit reporting

I disputed a tax lien that should not be reporting on my credit file to Equifax over 90 days ago. I still have not gotten a response on my dispute and they continue to report the erroneous tax lien.
Product: Credit card

Barclay 's Bank opened a XXXX credit card account for me without my authorization. Apparently, it won the XXXX account away from XXXX XXXX, where I was a cardholder. I never authorized the opening of a new account with Barclays. What 's worse, when my XXXX XXXX balance transferred over, I began incurring immediate finance charges. I never even knew this was happening because I never authorized this new credit card being opened in my name. By the time I realized all that had been done without my authorization, my account had already been reported to the credit bureaus for delinquent payment. When I asked Barclay 's to produce the itemized list of charges for the now $ XXXX balance, they could n't. And yet, I had to pay it to spare my credit. All the information is available now but in this moment of crisis, no one could tell me anything about this account I did n't open.
Product: Money transfer, virtual currency, or money service

XXXX delivered defective merchandise. They promised PayPal to provide a refund. They did not provide a refund. PayPal promised to resolve the issue by XX/XX/XXXX but did not. XXXXPayPal stole {$79.00} from me.
Product: Debt collection

the debt collector engaged in abusive, deceptive and unfair practices of the FDCPA, which is prohibited. They furnished MULTIPLE ACCOUNTS that I did not agree upon and i didnt sign an agreement on. A legal contract is signed by two parties XXXX I did not participate in any of it. More so they did not follow the proper 5 step validation procedures which makes this unfair. In addition, they did not have prior consent to communicate with me. The debt collector can not rely on consent given to a previous creditor or debt collector to communicate with me. According to the FDCPA i am entitled to {$1000.00} dollars per violation and clearly they violated my rights
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/2021. Since then the account was repeatedly charged off for XXXX continuous months. This is and update in payment history. A charged off account should not have included an active payment history those months. The inaccurate Information falsely manipulates the statue of limitations. This account was not investigated properly after I asked XXXX and your neglect has violated my consumer rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX : ACCOUNT NUMBER XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Student loan

I'm contacting you again regarding my private student loan that originated with XXXX XXXX and is now serviced through XXXX. 

I have asked to be sent a School misconduct form on the basis that this loan was created for a faulty and misleading service. XXXX has replied that they do not offer investigations due to school closings and I don't think the message is being communicated clear enough and they do not understand my request. 

" XXXX XXXX XXXX engaged in widespread and pervasive substantial misrepresentations that deceived students about the value they would be receiving from their education. '' XXXX XXXX XXXX  were a chain of for-profit art schools that defrauded students and borrowers. The schools misrepresented their employment rates and career services, leaving students with high debt and few job prospects. [ 1, 2, 3 ] What happened? [ 1 ] XXXX XXXX XXXX were found to have inflated employment rates and exaggerated their relationships with employers [ 1 ] The schools misrepresented the value of their education and the career opportunities they offered [ 1 ] XXXX XXXX XXXX were accused of illegally recruiting students [ 2 ] The schools closed their remaining campuses in XX/XX/XXXX [ 2 ] The US government canceled {$6.00} XXXX in student debt for former students [ 2 ] What was the response? [ 4, 5 XXXX XXXX XXXX XXXXXXXX settled a {$95.00} XXXX claim with the US Department of Justice in XXXX [ 4, 5 ] XXXX  XXXX XXXX lost accreditation in XXXX, leading to the closure of nearly XXXX campuses [ 5 ] The US government canceled {$6.00} XXXX in student debt for former students in XXXX [ 2, 6 ] Who was affected? [ 2 ] Hundreds of thousands of students borrowed billions of dollars to attend XXXX XXXXXXXX XXXX [ 2 ] Many students dropped out of their programs and defaulted on their loans [ 3 ] XXXX XXXX  is experimental. 

[ 1 ] https : //www.attorneygeneral.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : //studentaid.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not all images can be exported from Search.

XXXX. FTC NOTICE : The following Notice applies only to loans made to finance educational ex-penses at for-profit schools or schools otherwise subject to the Federal Trade Commission XXXX XXXX ( XXXX C.F.R. Section XXXX, as amended ), and only if the " Amount Financed '' shown on the Disclosure Statement is {$25000.00} or less : NOTICE : ANY HOLDER OF THIS CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SCHOOL WITH RESPECT TO THE LOAN. RECOVERY UNDER THIS PROVISION SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR ON THE LOAN.
Product: Debt collection

Ad Astra Recovery Services continues to try and collect a debt that I do not owe them. I would like for them to verify that I owe them ( Ad Astra Recovery Services ) and if they can not provide proof then I would like for them to stop reporting to the Bureaus and close the account!