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

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : [ Todays Date ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Inaccurate Credit Reporting by XXXX After Loan Consolidation Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding the inaccurate reporting of closed student loan accounts by XXXX on my credit reports. I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that furnishers of credit information maintain accurate and fair reporting practices. 

Summary of the Issue : I had two student loan accounts with XXXX under account numbers XXXX ( balance : {$20000.00} ) and XXXX ( balance : {$12000.00} ). Both accounts were consolidated and transferred to XXXX ( Department of EducationXXXX ). As a result, these two accounts with XXXX were closed upon consolidation. 

However, both of these accounts with Dept of ED XXXX XXXX are still inaccurately reporting open balances on my credit report, despite the consolidation and transfer of the loans. This erroneous reporting is misleading, negatively affecting my creditworthiness, and causing significant confusion. 

Violations : XXXX is in violation of the FCRA by : Failing to update and ensure the accuracy of the information furnished to credit reporting agencies. 
Incorrectly reporting these closed accounts as still open and carrying balances, when the debts have been consolidated and transferred to XXXX. 
Harm Caused : The inaccurate reporting by XXXX has damaged my credit score and caused difficulty in obtaining new credit. I have also faced undue stress and confusion due to this ongoing misreporting, which should have been corrected promptly after the consolidation was completed. 

Actions Requested : I request that the CFPB take the following actions : Investigate Nelnets inaccurate reporting practices and hold them accountable for failing to update my credit report after the loan consolidation. 
Require XXXX to fully delete these accounts from my credit report since they no longer have any active involvement in these loans. 
Ensure that XXXX complies with all provisions of the FCRA and provides accurate, up-to-date information to credit reporting agencies. 
If it is found that XXXX willfully or negligently violated the FCRA or any other relevant federal statutes, I request that the CFPB take appropriate corrective actions, including fines or any other penalties as deemed necessary. 

Thank you for your time and consideration in resolving this matter. I trust that the CFPB will take the necessary actions to ensure that XXXX corrects their inaccurate reporting and complies with federal law. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute letter to all 3 bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

I am disputing the XXXX, XXXX XXXX XXXX XXXX collection referencing XXXX XXXX XXXX vs. XXXX XXXX. 

Attached are the following documents to demonstrate that this account is well passed the Statues of Limitations. My last rent payment to XXXX XXXX XXXX, the landlord to XXXX XXXX XXXX, XXXX XXXX, CA XXXX, was XX/XX/XXXX. 

1. Addendum 1 : Request To Set Case For Trial dated XX/XX/XXXX. Please refer to the highlighted section on page 2 of 2.

2. Addendum 2 : NOTICE THAT YOU HAVE BEEN SUED dated XX/XX/XXXX. Please refer to the highlighted section on page XXXX. 

3. Addendum 3 : After Court Judgment dated on XX/XX/XXXX. Please refer to the highlighted section on page 1 of 2. 

Clearly the evidence shows the collection efforts commenced in XXXX, shortly after the last/final payment was made to the Plaintiff XXXX XXXX XXXX XXXX XXXX which ultimately sent this account to collections. 

According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt, and thus should be removed.
Product: Debt collection

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation.

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter.
Product: Credit card

Synchrony bank attempted to charge {$2.00} interest on a {$4.00} balance ( in which they refunded me the {$4.00} because it was interest on a balance that was charged as a result of their failure to provide legal service of a prior monthly bill ). This card was paid off complete over 2 months ago when their billing issue began and was immediately put in the " do not use '' pile. 1 month ago the account was closed when they sent me the {$4.00} bill. And now they have refunded the {$4.00} and I get a follow up bill for {$2.00}, likely because of " minimum interest on the {$4.00} that they refunded. 

I've already submitted the {$2.00} payment to Synchrony and expect no further billing, only refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX on my credit report with XXXX Experian and XXXX multiple times with no proper response or investigation or re investigation. I am asking once again to have XXXX removed from all three CRA, unless they can show just cause. The loan from the start was a bad loan at the beginning of the meltdown. The loan started with XXXX XXXX the day they collapsed. Then was handed off to. XXXX XXXX, XXXX XXXX XXXX/XXXX Bank these two were shut down by the federal Government, XXXX XXXX XXXX, and XXXX XXXX. who Serviced the loan who actually held legal title will more than likely never be known. Unless there is a legal documented paper train for this loan I respectfully demand that it be removed. I am seeking legal advice as to more than likely illegal foreclosure and credit reporting. Please provide legal documentation or remove from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report contains credit inquiries that I do not recall authorizing.The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit 2. Insurance 3. Employment 4. Court Order The following credit inquiries are related to none of the aforementioned permissible 1. Equifax Mortgage Services ( XX/XX/2022 ) Please remove this hard inquiry from my credit report. I will also inform you that your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX Equifax, XXXX, and XXXX ) this action might constitute fraud under Both federal and state laws. Due to this fact, if any negative mark if found on any of my credits by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character
Product: Credit card or prepaid card

On XX/XX/18 a fraudulent credit card was obtained with TD Bank NA. The card is an individual credit card account with {$5000.00} credit line. The account number is XXXX with a billing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. The account has had charges of more than {$400.00} charged between XX/XX/XXXX to XX/XX/XXXX. I have reported this fraud to the TD Bank requesting they close the account and initiate a fraud investigation and dispute resolution. The investigation is ongoing. 

Separately on XX/XX/18 a fraudulent credit inquiry was made by XXXX XXXX XXXX and it's unclear what accounts were established based upon this probe. I have left VM contact with XXXX, but have not received return communications from them. This issue is currently unresolved and no investigation or remedy is in the works.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, 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, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX, a XXXX XXXX XXXX  account opened on XX/XX/XXXX under the account number XXXX, a business credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

They keep adding date to review my account, pls help me, I need to pay bills, they restrict my account after I deposited money in it, they keep lying to me, they restrict my accounts for no reason, they have worst customer service, since last week they restrict me and they never tell me what to do, they keep playing me over my money, pls help me, it is ROBINHOOD they failed me, pls help me
Product: Debt collection

Received a letter from Diaz & Associates XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX and it looks to be a complete scam. They sent a letter saying I owe {$1400.00} on a credit card account that was opened in XXXX and settled in XXXX with the original creditor. They tell me they'll settle for {$510.00} if I pay by XX/XX/XXXX. Not only is this a complete scam, this is 15 years past the statute of limitations. It's predatory. It's not a debt owed at all because it was already paid almost 15 years ago. Y'all have to to go after and put a stop to this type of stuff. Several people are posting online they've experience the same thing from this company. I don't even know if they're real. Who really does?
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XXXX To : XXXX, Equifax, XXXX, et al,. 

Credit Bureau Rep : It has come to my attention that there are errors and/or unauthorized records and non-public personal information on my credit report. 

Per the Privacy Act of 1974 : The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.

I have never authorized the following creditor to share my non-public personal information, nor was I given an opt-out notice every 30 days per : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX With Preduce, XXXX XXXX XXXX 
juris sui Attorney-in-Fact
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the rights 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: Student loan

Unbeknowst to me, a friend has a loan with Sallie Mae. I was unexpectedly called by an employee of Sallie Mae asking the whereabouts of my friend. This was an incredibly intrusive call and upsetting. I had never given my permission to be contacted in this fashion. I asked for his information to follow up. The employee 's name is XXXX XXXX, Counselor for Recovering Income, at XXXX XXXX. His number is XXXX XXXX XXXX XXXX. His supervisor is XXXX XXXX. My friend later explained to me that, although Sallie Mae has her contact information, this employee had similarly called all of her friends, family and even a neighbor. I was shocked to hear this and wanted to ensure the correct supervising authority was notified.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the following accounts XXXX XXXX XXXX ENDING in XXXX, XXXX XXXX ending in XXXX, XXXX ending XXXX XXXX, XXXX ending in XXXX and BANKRUPTCY XXXX
Product: Credit reporting or other personal consumer reports

Capital One Auto has reported late payments for XX/XX/year> and XX/XX/year>. 
These entries are both unauthorized and inaccurate, and I am requesting their immediate removal from my credit report. 

**Inaccuracies and Legal Violations : ** 1. **Absence of Explicit Consent for Credit Reporting : ** The auto loan agreement with Capital One Auto Finance does not contain any explicit provision or clause granting Capital One the authority to report my payment history to credit bureaus. The contract only specifies my obligation to repay the loan and the consequences of default, such as repossession of the vehicle. This omission is misleading and deceptive. Reporting this late payment without clear, explicit consent is both unauthorized and unethical.

2. **Fair Credit Reporting Act ( FCRA ) Compliance : ** Section 623 ( a ) of the Fair Credit Reporting Act ( FCRA ) requires furnishers of information, such as Capital One Auto Finance XXXX to report accurate and complete information to credit reporting agencies. The presence of this inaccurate late payment on my credit report is a clear violation of the FCRA, as it misrepresents the actual status of my account. 

3. **Unethical and Misleading Practices : ** Reporting this late payment without my explicit consent significantly impacts my creditworthiness, which is unethical and misleading. It fails to provide a fair and accurate representation of my credit history and violates the principles of honest and transparent credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous of times stating that I would like for them to remove a fraud alert. Every time i call i have to go through the same thing which is being transferred from person to person even being transferred to supervisor and here it is XX/XX/XXXX and they have yet to remove it. They have gave me several different confirmation numbers stating that they removed it but it is still on there because Ive been denied credit twice because of their fraud alert that was supposed to be removed three months ago, which has caused me to get unnecessary hard inquiries on my report. And then it comes to inquiries i have sent the numerous letters stating that i was a victim of fraud and that they needed to remove all those fraudulent inquiries that is showing up on my report. I sent those same documents to XXXX  and XXXX and they had no problem fixing my issues. Ive sent all the proper documentation that they need but every time i speak to someone they insist on me sending them the documentation over and over, which is causing me to spend unnecessary money because i send all my letters certified. Also they are reporting inaccurate information on my credit including accounts that they can not verify which is a violation of the FCRA. The following Accounts is XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  and another unknown account. I DO NOT WANT THEM TO REINVESTIGATE THESE ACCOUNTS BECAUSE I HAVE ALREADY DISPUTED THESE ACCOUNTS AND THEY KEEP SAYING THEY ARE VERIFIED BUT HAVE NOT SHOWN ME ANY DOCUMENTATION THAT THEY HAVE TO PROVE THESE ACCOUNTS ARE MINE. THEIR CREDIT REPORT IS SO DIFFERENT FROM MY OTHER TWO BECAUSE THEY ARE REPORTING SO MUCH INACCURATE INFORMATION. I demand this be corrected immediately.
Product: Debt collection

I closed my gym account with XXXX XXXX XXXX  XXXX  in XXXX of XXXX. Closed, cancelled and done. So a year later they try to charge me. Now they say I owe XXXX $ for a year starting in XX/XX/XXXX, when this account was cancelled pre pandemic in XX/XX/XXXX! I havent been to this gym in over a year!
Product: Credit reporting or other personal consumer reports

When I reviewed again my credit report, I discovered that some of the information was dtillerroneous. 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the following credit Agency : Equifax They are incorrectly reporting a medical debt collection under my name and social security number. It has been more than 30 days and has not been resolved. XX/XX/XXXX was their deadline. I called and was told that it was not removed. The collection happens to be under a person with the same first, last name and DOB as myself. Her address is also being reported incorrectly under my social security. The debt is for XXXX for a medical debt reporting in XX/XX/XXXX.

I called the XXXX XXXX before submitted the original request through Equifax and they could not find it because the social securities are different and I also called the Medical Doctor and they have no record of my name and social security number. I now have to file a fraudulent report with Equifax and they are asking me to file a police report. This is not my error. It is the credit agency for reporting it incorrectly.

My report number with Equifax is XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX  report does not show item or address.

My XXXX  report does not show item or address