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

Secured Credit Card bank name : XXXX XXXX XXXX XXXX ORIGINAL STARTING BALANCE ( INCORRECT/NOT POSSIBLE - READ MESSAGE BELOW ) {$22.00} THIS DROPPED MY XXXX CREDIT REPORT BY ALMOST XXXX POINTS SECOND BALANCE REPORTED ( INCORRECT/NOT POSSIBLE ) {$170.00} THIS DROPPED MY XXXX CREDIT REPORT AGAIN BY ALMOST XXXX POINTS THESE TWO BALANCES WERE REPORTED TO XXXX  BY XXXX XXXX  AND XXXX XXXX XXXX WITHIN LESS THAN 2 WEEKS APART CAUSING SEVERE DAMAGES TO MY CREDIT SCORE NOT ONLY ARE THEY REPORTING THESE FALSE BALANCES TO XXXX, THEY'RE ALSO REPORTING IT TO XXXX AND EXPERIAN HERE IS A MESSAGE I SENT XXXX XXXX  VIA LIVE CHAT : I'm having serious issues with the credit card builder and it's reporting practices to credit bureaus. XXXX has been making errors in its reports claiming that I have a balance on my account, which is impossible since I have safe credit building on and with that any balance every month is automatically taken out of my XXXX account. This issue has caused my credit score to drop over XXXX points in two weeks. I am very pissed off, unhappy. This is totally unprofessional and reckless and my credit information is being manipulated and XXXX is making false reports and amounts which is illegal under the Fair Credit Reporting Act. This needs to be addressed as soon as possible by the escalation team. If it isn't I'm going to report this information to XXXX reviews, XXXX reviews, XXXXXXXX XXXX app reviews, going to make a complaint to XXXX and going to contact the agency that handles the FCRA. You are causing me damages by destroying and lowering my credit score with false reports and information. WHAT THEY ARE REPORTING AND THIS FALSE INFORMATION IS ILLEGAL AND IS CAUSING ME PERSONAL LOSSES AND DAMAGES
Product: Debt collection

I received a collection on my report and it wasnt mines. Now it showing up on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank claims I had a card XXXX I am XXXX and a victim of identity theft. They refused to process my opt-out and they repeatedly respond to the credit reporting agencies saying it's my account and it's not.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below by law credit reporting agencies are required to report up to date and accurate information i have attached my report showing all innaccurate information, 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
Product: Credit reporting or other personal consumer reports

ive recently received a copy of my credit report and noticed that several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

***-**-XXXX 
Cc: Consumer Financial Protection Bureau 
Cc: Attorney Generals Office 
Cc: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  


RE: ***-**-XXXX This letter is in reference to the account listed on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXX. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX  in regards to their illegal reporting, and have not received any satisfactory reply. Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX, I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting this erroneous item. 

Thank You,

 XXXX XXXX


Further more I would like to add there was a finding about the settlement between Consumer Financial Protection and XXXX XXXX XXXX XXXX. for Credit reporting violations. The link below shows the article as well as the PDF of ADMINISTRATIVE PROCEEDING File No. 2020-BCFP-
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), consumer reporting agencies are mandated to perform their duties with fairness, impartiality, and a deep respect for consumer privacy rights. As a consumer reporting agency, Equifax is obligated to protect my private information. This critical responsibility is underscored by 15 USC 6801, which asserts that each financial institution has an ongoing duty to respect the privacy of its customers and to safeguard the security and confidentiality of their nonpublic personal information.

Entities that provide information to credit agencies, classified as financial institutions under this law, must adhere to 15 USC 1681 section 604 ( a ) ( 2 ). This section clearly states that consumer reporting agencies can only furnish consumer reports under specific circumstances, primarily with written instructions from the consumer. Equifax, along with the furnishers of information to credit agencies, does not have my explicit consent to share my personal information. Any previous consent, whether explicit or implied, is hereby revoked and considered null and void. 

Moreover, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties without first informing the consumer of their right to opt out of such disclosures. The furnisher of information to credit agencies failed to inform me of this right, thereby neglecting to comply with the legal requirements. Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly forbids consumer reporting agencies from including adverse information in consumer reports without proper authorization. This means that any adverse information reported without my consent is in direct violation of the law.

Furthermore, under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 1681e, entities are expressly prohibited from furnishing inaccurate information to consumer reporting agencies. These sections also require the maintenance of reasonable procedures to avoid violations of the FCRA, particularly sections 1681c and 1681b. Equifax 's failure to uphold these procedures and ensure compliance with the FCRA indicates a serious breach of its legal obligations.

Lastly, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. This regulation allows consumers to exercise their rights to privacy and control over their personal information. Therefore, I hereby exercise my right to opt out of your reporting services. This notice serves as a formal declaration of my decision to revoke any and all consents, permissions, or authorizations previously given to Equifax, whether they were verbal, written, or implied. 

By opting out, I expect Equifax to immediately cease and desist from any further reporting or sharing of my personal information. This action is taken to ensure the protection of my privacy and to uphold my rights under the FCRA and related privacy laws. I trust that Equifax will honor this request promptly and comply with all applicable legal requirements to safeguard my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does no belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit profile and seen that there were unauthorized inquiries XXXX XXXX XXXX Vystar Credit Union XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello, I have been trying repeatedly over the past XXXX months to continue making.my student loan payments to Aidvantage. I was first using my saved bank account info ( which I verified was correct and which was the same info I used to make my first payment in XXXX. ) since then, they have been continuously rejecting my payments with a notice saying the bank account number on the payment is wrong. I tried removing the account info and re-adding it and still got the payment reversed. I made sure the info is correct. At this point I can only speculate that aidvantages payment system is not correctly storing and transmitting my bank account info when I attempt the payment. I tried to call but was unable.to reach a lXXXX XXXX 

I am frustrated as my account is now.over XXXX  days past due and I am paying interest on the full balance even though I have been trying to pay. Part of the frustration as well is that they will show the payment successfully posted for a few days before reversing it again. I have a record of the attempted transactions if needed.
Product: Credit card or prepaid card

On XX/XX/XXXX, after a significant time in queue, I was in the process of being transferred from XXXX ( Supervisor ) after speaking to XXXX ID # XXXX in US Bank Visa credit card disputes department who was unable to assist me. XXXX told me my dispute to 3 of my four issues could not be handled by her department and decided I should be transferred to another department. During the transfer to the fraud department, I was disconnected. 

In keeping with their sub-par level of customer service, no one exercised common sense or courtesy to call back, apologize and make certain I received the help for which I placed the call. I was not about to subject myself to the rude, and unfriendly agents and decided to send a letter instead. I did so on XX/XX/XXXX. US Bank XXXX XXXX XXXX has not responded to my letter requesting charges I did not make nor authorize be removed from my card. 

Attached is the letter sent to XXXX XXXX XXXX at the verified proper address. 
This request for assistance is made timely. I am looking into another XXXX card provider, likely XXXX, however, I wish this matter be cleared as soon as possible. 

Alternatively, may I file a small claims action against this XXXX XXXX XXXX division of US Bank? A small claims action will require less time and give them an ample opportunity to find someone who can effectuate my request to remove unauthorized charges. Also please advise what other reasonable methods are available to resolve consumer issues with a company acting in an unprofessional, frustrating, and irresponsible manner? 

XXXX XXXX XXXX must still be trying to ascertain how many people are required to change a lightbulb at? Apparently, they dont have enough and the specific answer is still unavailable.
Product: Credit reporting

A debt collector is reporting the incorrect date of first delinquency on my credit report. I disputed the item and it was verified. In an effort to provide proof of the incorrect reporting to the debt collector, I requested in writing on XXXX/XXXX/15 via certified mail, to Transunion, a copy of the FCRA compliance date/date of first delinquency for the account in question. No where did I list the word dispute. This request was not a dispute. This was a REQUEST to TRANSUNION and not the debt collector. I enclosed a check in the amount of {$11.00}, which is supposed to be the processing fee for said request. I received in the mail a response to my " dispute '' which again was verified. I did not initiate a dispute and Transunion incorrectly initiated one. They sent the information to the debt collector for verification! They did not read my letter and did not attempt to provide the information I requested from them. When I called to request the status of the FCRA compliance date and ask why a dispute was initiated, I was referred to the Special Handling Department who did not understand how to assist me. I was routed to a call center in XXXX, where there is a language barrier and culture barrier. The representative was unable to assist me with my simple request. To date, I still have not received the information I requested, that is supposed to be available to the consumer should they ask for it. Transunion failed to read the request and provide the information I need. They also opened a dispute in which I did NOT REQUEST. However, they cashed me check!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up auto pay with capital one they fail to use it and had me late for 60 days, when I realized that I called them up they told me they dont see the auto pay. I asked them to close the account and I will pay the balance. Two months ago I paid the balance off but they refuse to remove their negative report off my credit report. On XX/XX/2020 I filled a dispute with XXXX  but capital one did not remove the pay off closed account off my report.
Product: Debt collection

My debt was from XXXX and I asked debt collector doesn't it come off my records in 1 month because it was XX/XX/XXXX and I was told debt falls off record after 3 years the debt collector than proceeded to have bad attitude and threatened that if I didn't pay the day of that they would reset calendar for 3 more years and I want be able to get house or anything else dealing with credit because they would use this debt to affect my situation.
Product: Debt collection

I have been a Paypal customer for years and am a victim of a cyber attack. 

The morning of XX/XX/2022 I logged into my Paypal account and noticed 2 unauthorized Paypal transactions ; one for {$980.00} ( Transaction ID : XXXX ) and another for {$970.00} ( Transaction ID : XXXX ). 

I also found out that my Credit Cards and Debit accounts were also compromised. I have also opened a case with my local Sheriff department ; XXXX XXXX XXXX XXXX case XXXX XXXXXXXX and submitted a complaint with the FBI : XXXX XXXX XXXX XXXX. 

I received an email from Paypal stating " You may request a copy of the documents we used in determining the final outcome of the investigation ''. I would like to receive a copy and also please help me understand what was written in the email : We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 
I am the only authorized user of this account. I have not authorized these transactions. 

Based on our review, we found this transaction is consistent with your PayPal payment history. 
I have not used my Paypal in over a year, and despite this, I have never used it for purchases online. It has always been used to send and receive money to family and friends. I have never interacted with XXXX and no payments were made or received prior to this incident. Which leads me to ask, how is this consistent with my Paypal Payment History? The first fraudulent transaction ( Transaction ID XXXX XXXXXXXX ) did not go through because Paypal deemed it to be fraudulent, so why am I being penalized when the system allowed it to go through the second time? 

Based on our review, we found this transaction is consistent with your PayPal history. 
To reiterate, how could this be consistent with my Paypal history when I have never made large transactions with Paypal. Let alone not having made transactions in the last year. And never with the email address in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to an account reporting to the credit bureaus by XXXX XXXX. In review of my consumer report in XX/XX/XXXX, I requested validation of the account listed on my report for an amount of {$1800.00}. I sent a validation request on XX/XX/XXXX via certified mail and received receipt that it was received on XX/XX/XXXX. The information came back verified and accurate, but I was never supplied with the requested signed contract, breakdown of fees and billing totaling the referenced amount that I allegedly owe this company. I then sent another request to validate this debt with the above documentation including any communication and contracts with my signature, via certified mail in XX/XX/XXXX. I never received the signed receipt from the certified letter, although on XX/XX/18, I received another response from the credit agencies that the information was verified and updated, with no documentation or validation of the information used to supposedly validate the debt in the amount of {$1800.00}. This is in clear violation of my rights under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I call Trans Union to unfreeze my credit and talk to representative XXXX XXXX. XXXX told me she unfreeze my credit. After the phone call I'm notified by Visa credit card company that Trans Union billed me {$27.00}. XXXX never told me that there was a fee and I never gave XXXX more my new credit card number. Somehow the XXXX and got my credit card number from my credit report with Trans Union and made an authorized charge to it. I called Trans Union today and was transferred around between robot to robot and after an hour I never get a representative on the phone to refund the unauthorized Trans Union {$27.00} charge. 
Please make Trans Union refund the unauthorized {$27.00} charge. 
Please tell me how I can exclude all of my credit information from Trans Union so I never have to deal with them ever again for eternity. Thank you for your help!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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: Debt collection

This collection company is called XXXX XXXX XXXX IN. The original creditor is XXXX XXXX Apts XXXX. This agency continues to violate my fair credit reporting act.By continually reporting different amounts owed. Please help me on this matter. My next step after this resolution is to seek counsel
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX XXXX  ) Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

As permitted under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate the disputed entries and correct any errors. Below, I have listed the specific items I dispute, along with the reasons for the dispute : XXXXXXXX XXXX XXXXXXXX Account XXXX XX/XX/year>. Please investigate these discrepancies and provide me with written confirmation of your findings. If the disputed information is found to be inaccurate or unverifiable, I request that it be removed or corrected promptly in accordance with the requirements of the FCRA. Under 15 U.S.C. 1681i, you are required to complete this investigation within 30 days of receiving this dispute. Additionally, I request that you provide me with a copy of the results of your investigation, including any updates or corrections made to my credit report.
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus Experian, XXXX, XXXX XXXX have yet provided proof of original contract with my signature, and said Debt has been claimed by written off and should not be reported to said credit report under federal and state codes and rules in the Fair credit reporting act.

No person, business, ect shall publish negative information on such credit report under the CFPB guidelines that are guidelines under Federal Court Law Rules and Regulations.

Please remove all negative information reporting to my credit report.
Product: Credit reporting or other personal consumer reports

I went through a debt consolidation company, XXXX XXXX XXXX, to help settle my debt and make payments on my behalf, which they did. 
When the final payment to XXXX XXXXSST was made in XXXX of XXXX, I had requested a letter of satisfaction for my credit report, I was told they would not send one out until the last payment was processed in about 30 days. When I did receive the letter, it had sentence in there that said " if any payments are returned collections would resume ''. I requested they remove that sentence, but they refused, stating that it was auto generated. 
I requested they update my credit report, which they have not done. When I disputed the report they removed all notes and changed they amount owed, it now looks like I made no payments and still owe over {$5000.00}. 
I disputed this twice, and have had no luck with them adding a statement that says, " this collection was paid in full as agreed to through a settlement. '' I have provided all the documentation I could get, but I am unable to get a copy of my settlement agreement through XXXX XXXX XXXX.
Product: Vehicle loan or lease

I'm behind in my car payments and am denied when I ask for a loan modification. They want me to pay and get caught before they can do a loan modification which makes no sense. If I can pay up the account then I don't need help. It's like they want to take my car and I am a single mother of XXXX, a XXXX veteran, trying my best. They keep saying you have 13 months left to pay. It's like because I'm at the end they are not willing and I feel like they want to take the car because I'm at the end. How convenient of them would it be to take my car and resell and make money off of it, and still have me owe, further making me go into a financial crisis. They say I'm not eligible for an extension because I used all my extensions. I have had 3 extensions, but their extensions were NOT EXTENSIONS. I have to make a partial payment and still pay the remainder the next month. To my knowledge, an extension is where no payments are made for a month or 2 and in that case that has NEVER HAPPENED. They also decide when they want to put that they you are behind on your credit report. I have been behind for at least 5 months but for XXXX they want decide that they want to add it to my credit report.