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

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Hi, Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( 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 your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card or prepaid card

On or about the end of XX/XX/XXXX, I received a letter from Synchrony bank after I removed several items from my account that were linked to an authorized user I removed in XX/XX/XXXX that kept reappearing, that stated they were reducing my borrowing credit to {$100.00} from approx 8k, owing {$0.00}. This is a slap in the face as I have had the account since approx XX/XX/XXXX paid ontime and as agreed, and I am still a Oustanding member. I have been going through a seperation for which the house is in dispute and yet I have other credit lines and pay them on time with credit borrowing above 8k and they have yet to reduce my line. I will never again take a credit card from Synchrony bank and will be letting anyone I can about how they treat good standing customers.
Product: Student loan

I have been making payments towards my student loan under and income based repayment plan in an effort to qualify for the student loan forgiveness program. I would be finish with my 120 payments or close to it however Fed loan servicing is now telling me half of my payments did not qualify under the 120 payment.
Product: Student loan

I went to a for profit school, the art XXXX XXXX XXXX XXXXXXXX, for college and ended up with an unreasonable amount of student loan debt. I believed was was a victim of malpractice and fraud by school and the XXXX XXXX loans I was tricked into getting. Since then the school lost its accreditation and all branches are permanently closed and class action lawsuits have been peformed on both companies. I filed a borrower 's defense program application for my loans and I won. 100 % of my federal loans were forgiven for my school through the class action lawsuit of sweet vs XXXX. Yet, I still have over double the amount my federal loans were in private loans looming over my head. I know navient has the " XXXX XXXX XXXX XXXX XXXX  '', but I was denied the form because I was forced to refinance my loan to be able to even try to make the payments literally XXXX  months after i graduated. It should not matter if I refinanced my loans, there was still misconduct at the school I went to. I only did the best I could to not default on my loans for the past XXXX yrs. If something is not done soon defaulting will be my only option. I have no deferments left. I was told I'm not eligible for interest payments and i already have a XXXX yr plan instead of XXXX yrs. If I already proved once I was a victim of fraud why am I still responsible for this debt just because they tricked me into private loans and I am unable to remove it. It's not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL,

THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as latte for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX FL XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at opened at XXXX on XXXX under the account number XXXX, XXXX opened on XXXX, XXXX XXXXXXXX opened XXXX on XXXX under the account number XXXXXXXX XXXX XXXX on XXXX under the account number XXXX, XXXX opened XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer XXXX credit report. I've attached a list of the hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in question as well as a copy of the consumer XXXX credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XX/XX/XXXX XXXX XXXX runs my credit without my authorization I try to contact Equifax for solve this problem but I ca n't the system reject me out if somebody can help me with this problem
Product: Credit reporting or other personal consumer reports

I've requested several times that my address be updated and corrected. It's still reported the wrong address on my consumer report. The address that's on my consumer report is inaccurate and I can't utilize or receive correspondence to this XXXX XXXX XXXX, XXXX Fl XXXX XXXX is an incorrect address my current address is XXXX XXXX XXXX XXXX Fl. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have stuff on my credit report that I didnt have anything to do with
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnionXXXX after I XXXX a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was an Account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX : {$32000.00}
Product: Student loan

I had multiple federal loans from XXXX XXXX and because I am in the military I used my Student Loan Repayment Program which paid XXXX XXXX {$9000.00} in XXXX lump sum. That was XXXX of the only payments I have made on my loans since I graduated in 2008 but the amount should have kept me current for many years. My total student loan debt was about {$40000.00} at that time. XXXX received payment and then transferred my student loans to ECMC where interest is accruing rapidly. I personally feel that the lump sum of money should have brought me all sorts of options including the XXXX and/or XXXX XXXX. I am currently serving in the XXXX XXXX ( XXXX ) and also I work XXXX ( 5 years ). 
Instead, once ECMC got a hold of the account they have been asking for payments and I was not able to pay the monthly fee due to the fact I was barely able to keep a roof over my head. I have since entered into the XXXX program with ECMC but I feel it is unfair due to the fact I paid a lump sum to XXXX XXXX. I should be entered into a XXXX program immediately with the lump sum taken into account. Also, all the interest that has been accumulated should be wiped clear. I understand that XXXX consecutive payments on a loan forgiveness program is the standard but I should be offered 5 years of consecutive payments, at this point, after such a large sum of money was paid. Please help me find a solution. I even have another {$1000.00} left I can pay in lump sum from my XXXX to aid in the activation of XXXX and/or XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to EXPERIAN, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from EXPERIAN and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX AUTO FIN XX/XX/XXXX XXXX OF XXXX XXXX/XXXX/XXXX XX/XX/XXXX XXXX XXXXXXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - XXXX 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. I WANT TO KNOW THE FURNISHER THAT IS GIVING EQUIFAX INFORMATION. I HAVE NOT GIVEN ANY 3rd PARTY FURNISHER MY INFORMATION NOR HAVE I GIVEN PERMISSION TO GIVE OUT MY ADDRESS OR MY NAME. SEND ME THE SOURCE THAT IS GIVING EQUIFAX MY INFORMATION!
Product: Credit reporting, credit repair services, or other personal consumer reports

l Statement someone use my identity to apply for credit, heres a list of unauthorized inquiries and accounts on my credit report that i wish to be removed : ( inquiry : XXXX  XXXX ), ( inquiry : XXXX XXXX XXXX ), ( inquiry XXXX XXXX XXXX XXXX XXXX ), ( Accont : XXXX XXXX XXXX  ), Account : XXXX ), These above accounts and inquiries has violated my rights. The court FCRA 15 USC 1681 B states that any close account, late payment account, collection account, charge off accounts, must be removed. 15 USC 1681 section 602 Alpha states i have a right to privacy, 15 USC 1681 604 Alpha section 2 states A consumer reporting agency can not furnish a account without my written instructions, or consent. All the above accounts and inquiries is unauthorized and should be disputed from my XXXX  Report and all XXXX Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed
Product: Payday loan, title loan, or personal loan

I keep getting harassed calls. They are calling family members and friends Ive lived with. Calling XXXX times a day. I sent cease and desist letter to green sky loans
Product: Checking or savings account

I had a checking account with Bank of America, that was closed due to " suspected '' fraud activity. Bank of America explanation of the alleged activity was not sufficient and I denied the allegations. They still elected to close the account and further report the reason to XXXX And XXXX. <P/>I have attempted on several occasions to remedy the situation as I 100 % do not agree with the account being closed and furthermore the negative trade line that was listed on XXXX and XXXX. <P/>To date, I have sent two emails to the CEO. I have mailed two letters to the account closure department and I have also spoke to someone in the credit reporting department for Bank of America. <P/>All these departments are unwilling to help with the situation. I have explained in the great detail of what happened and also explained that the negative and unproven item being reported To XXXX and XXXX has hindered me from joining other banks and moving on. I have requested they remove it with each communication. Their response has been a firm " no. '' It is really unfortunate that even the CEO office has not even taken the time to discuss this 4 year old situation with me and bring a resolution to it.
Product: Debt collection

One year ago I received a notice of collection from First Credit Services in XXXX NJ, for a debt of {$110.00} to XXXX XXXX XXXX 

I have received 3 letters, each one after I responded requesting proof, because I do not or did not have a membership with this gym. I was sent a contract with a different signature, and it is a corporate account for a company I do not recognize.

I have repeatedly stated to them this is not my contractor and they willfully continue to misrepresent the facts.

Its also reached the point of harassment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had XXXX XXXX completed in XX/XX/XXXX/XX/XX/XXXX at XXXX XXXX XXXX, XXXX, PA. Unfortunately, a few of the billing codes were wrong and some payment was denied. I called the insurance company and received the codes that they will pay this bill under. The hospital told me to have the doctor send a new script to the lab for the purpose of rebilling. <P/>My doctor sent the new script to the lab on XX/XX/XXXX and confirmed receipt of the new script. As far as we knew they rebilled the insurance company. The. In XX/XX/XXXX, I received a call from Medical Data Systems stating that the bill went to them for collections. I told them what was going on and gave them  the new codes to have the hospital bill under. I had n't heard that anything was n't paid or done by the company. <P/>On XX/XX/XXXX, I checked my credit report because we are a victim of fraudulent use of our social security numbers ( caused by a breach at XXXX XXXX ). I saw that Medical Data Systems is now on my credit report. I called XXXX XXXX XXXX billing and they tell me they have never rebilled the insurance company, never received codes from the collection agency and that they do n't have the new script. I told them I will fax a copy of it over to them. And will do so later today. Unfortunately, they wo n't pull this from the collection agency. <P/>I then called Medical Data Systems, XXXX XXXX, FL to find out what is going on and why they never forwarded the correct information to the hospital. They told me that they they personally rebilled the insurance company and 48 hours later the insurance company told them that three of the codes were unbillable. I gave them five codes. They also billed a year after the second script was sent to the hospital so the codes may have changed. That is not my problem. This should have been done right from the beginning. <P/>The hospital billing dept. has been reported to the insurance various times for fraudulent billing resulting in us supposedly owing them money. The insurance company has been able to fix those " errors '' but ca n't this time because of it being an issue with coding. This company is single handily ruining my credit for issues that are really their own fault.
Product: Payday loan, title loan, personal loan, or advance loan

I had issues with the high interest with Acima they did terrible business practices and I had XXXX loans out that added tons of fees and the first loan I got was at point s tire the total amount I paid was {$950.00} the loan amount was {$600.00} thats a whomping {$350.00} in fees and taxes thats crazy the second loan I got was from XXXX XXXX and that total was {$670.00} the purchase amount was {$53.00} total in fees and taxes would be {$620.00} that is insane with Interest and fees and the last loan is with XXXX XXXX total amount is {$1300.00} the purchase amount was {$64.00} and the final amount paid In full was {$1300.00} total in fees and interest was {$1200.00} thats so much in fees and interest this company has had terrible business practices and they need to be held accountable for this matter
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , INC ) due to their inadequate customer service and their practices, which violate 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. Also, 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.