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

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX CO Account number - XXXXXXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

I have been a victim of identity theft. I had filed a previous complaint against the original creditor on XX/XX/XXXX with the CFPB. CFPB Case number : XXXX was the complaint against XXXX for an XXXX XXXX credit card, account ending in XXXX, that was charged after I had lost my wallet. 

On XX/XX/XXXX, I received a letter from XXXX stating:1. That this debt was discharged by XXXX. 
2. All Charges were removed. 
3. All credit reporting agencies will be notified to remove the account from my credit report. 

I have since been receiving collection letters from a Nationwide Credit , Inc. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to collect on this debt. I assumed the first XXXX letters, even though they were one day apart in their creation, were so close to the date of the discharge that Nationwide Credit , Inc. had not been notified of the decision by XXXX. When I received the letter dated XX/XX/XXXX, I can only assume that Nationwide Credit is illegally collecting on this debt.
Product: Payday loan, title loan, or personal loan

I got a XXXX $ payday loan in 2016 from speedy cash. I offer to pay what I owed. Because of a judgement they put on me..for XXXX now it has went up XXXX $ because I supposedly owe that interest
Product: Credit card or prepaid card

I disputed a charge in the fall of XXXX and the bank denied my dispute because they said they had requested more information form me. However, I never received any request from the bank. During discussions to reopen the dispute, it was found that they already had the information they needed in internal bank emails that i sent when the dispute was initiated. Since then, the bank has denied the dispute for different reasons depending on I speak to. The dispute is 100 % valid and I have provided backup. It appears the bank dropped the ball on the dispute and refuses to handle it properly because they most likely can not go back to the merchant any longer. Incidentally, the merchant was deceptive in their response and when pointe out to the bank, the bank ignored something that was very easy to prove. Recently when I told the bank I would take the dispute to the CFPB, I was called by a branch manager whop said the bank wanted to make things right and she claimed to reopen the dispute. When after three weeks I enquired as to the status, i was told via email that they found against me again because the dispute was an insurance issue ( a new excuse as to not find in my favor ). I would like the CFPB to open an investigation into Truist Bank and their practices. since the merger between BBT and Sun Trust, this organization has been in a shambles. Customer service is awful- when you can get someone on the phone. 

My name is XXXX XXXX the last XXXX of the account is XXXX Dispute amount is {$10000.00} The Merchant was XXXX XXXX XXXX Date of Dispute was XX/XX/2021 In the response form the merchant, they say they paid me for the damages ( which validates the dispute because they admit something was wrong with the charge ) however, they have paid me nothing. The bank should ask for proof of the payment that never happened. 

It should be noted that I have three more complaints to file against Truist and I will be submitting those tomorrow. 

This bank needs to be investigated. The merger excuse is old- they have consumers to take care of!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Swiss Colony. Have been receiving numerous early morning phone calls, text messages & emails claiming my account is past due. I log on to my account to verify that I have paid each month on time. I disregarded incoming calls & texts as spam. I am enrolled in XXXX credit monitoring. I received notification that Swiss Colony has posted negative late payments to my credit report. I called Swiss Colony, and after several holds the agent discovered a XXXX account. An order placed for XXXXXXXX XXXX delivery went under a new account. I have never received a statement for this new account. She linked both accounts to my current account that I receive statements for regularly. However, she refuses to remove negative late payments off of my personal credit report. After heated argument she hung up on me. I am now reaching out to you.
Product: Credit card or prepaid card

The account is reporting inaccurate information. It is reporting Chargeoff but there is a monthly payment reporting. Also, the date last active on all 3 bureaus are different. XXXX  is reporting XX/XX/2018, XXXX   XX/XX/2018 and XXXX XX/XX/2018. All 3 should report the same date if not it means the information is incorrect. 

Lastly, there should be no late payments reported once the account is closed and I see the payment history listed with repetitive CO marks which is a violation.
Product: Money transfer, virtual currency, or money service

In XXXX of 2024 I had over {$2200.00}, and someone stole my money. When I called cash app about the situation and they told I allowed it to happen in which I did not. They told me they will do an investigation. When they did the investigation I was told they will not return my money because I allowed the transaction and which I didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX I have my pink XXXX I paid them ( 3 ) XXXX/ XXXX XXXX XXXX account XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 u.s.c 1681 section 604 A section 2 : it also stays 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. 15u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Here 's a revised version of the form : On XX/XX/XXXX, I contacted XXXX regarding inaccuracies in my credit report. Despite my initial communication, to date, there has been no response from XXXX. 

The account listed below is not mine, and I request its removal from my credit report : COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ) The following accounts were never late, and I request the correction of this inaccurate information on my credit report : XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ) XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} )
Product: Credit reporting or other personal consumer reports

after looking over my Experian consumer report I've noticed that there is a collections account that doesn't belong to me but keeps reporting to my consumer report. The creditor that's reporting the debt obtained this debt from another third party company in which neither creditors had the proper consent to obtain my personal information and share any information about me to anyone else. I have no knowledge of the creditor that's currently reporting this account but yet they are reporting that I owe an alleged debt. how can I owe a debt if there isn't any proper agreements or approval? Experian is reporting this inaccurate information in which I asked them to thoroughly investigate my dispute and remove any account and information that doesn't belong to me.
Product: Money transfer, virtual currency, or money service

Hi everyone.. I joined here to know more information and to give information..I applied edd for myself on XX/XX/XXXX online I couldnt do it I called them i was told you will get your money i was confused asked them I didnt even apply I called you guys for apply!! They said no way!! You had existing account from last year.. i was shocked and they asked me few questions some got matched with my information some didnt as in my email address and phone number didnt match.. then they found out my ex husbands email address and phone number there ... it was really shocking for me.. they gave me fraud department number website i filed report and I called thousand if times couldnt reach them.. I called bank of America they closed the account or freeze the account they checked he transferred all the money to Bank of America to his checking/savings account.. I asked them to help me they said only edd can help me!!! I called edd millions of times XXXX didnt even got anyone.. I filed police report for identity theft and fraud.. detective contacted me i told everything bank statements where it shows he transferred all the money to his bank after everything they are not helping me.. i am single struggling mom.. I dont work i have toddler.. I applied for job not getting any.. it seems like no one is helping me.. why?? I heard always no on can escape here.. but for me it seemed like really easy for criminals because there is no justice for victims..
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result of this breach, fraudulent accounts and inquiries have appeared on my credit report. Pursuant to 15 USC 1681c 2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of the following fraudulent account and inquiries from my credit file. These entries were caused by unauthorized access to my personal information. 
Account to be Blocked and Deleted 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 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 XXXXXX/XX/XXXX
Product: Student loan

Good Afternoon, Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX XXXX XXXX 
As a matter of fact, XXXX XXXX XXXX  and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by XXXX XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. 
Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts associated with my personal information Due to recent data breach.

1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a debt of {$94.00}?? to XXXX. When I went to get XXXX work done, they asked for that payment. I paid. 

XXXX insisted that I owed them and to pay them. 

When I checked my credit report Radius Global was on it. I have no contractual obligation with them, I owe no money to them and I received no mail from them or phone call. 

After I paid XXXX as they asked me, I got a notification from Radius stating that I paid after the chargeoff. 

I am not going away and will file a lawsuit later today. 

I never recieved mail or phone calls from them. I had no idea who they were until they reported on my report.
Product: Credit card or prepaid card

Received a notice that I was declined a card from Chase Bank USA, N.A. I have not applied for a card with them, so I called them. They said the card was for Amazon, which I have also not applied for. They also said they would n't do anything about it because it was for Amazon. I 'm not sure why they would n't care about fraud with their company name involved. I have looked online, and this is not a new thing, but obviously it needs to be addressed.
Product: Debt collection

I received notification on XX/XX/2020 a new credit report entry was submitted to my credit. However, I have not applied to have any new credit recently. 

I called Midwest Recovery Systems at XXXX central time. I was informed the call was being recorded. I provided my name and number. They requested I provide my social security number I declined due to multiple scams being attempted. Furthermore, I requested information about legal department person refused by hanging the phone up in my face. I called back at again. It provided a message about leave name and number and we will get back to you within 3 days.
Product: Debt collection

The company SOURCE RECEIVABLES XXXX, XXXX # XXXX IN AMOUNT OF {$2600.00}. This company is claiming that I owe this debt which I never had any knowledge of and that I have already asked XXXX credit report XXXX to verify and examinated and they continued to report in my account as a debt collection I never had a single account with this company or any XXXX, please help me dispute this account is stoping me for obtain a good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit XXXX, XXXX  and 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 late for and purpose.
Product: Mortgage

XX/XX/2020 - provided ACH and Bank account information. O

n XX/XX/2020, an unauthorized {$6000.00} was transferred out using my ACH and account information. This is not a coincidence.

Between XX/XX/2020 and XX/XX/2020 there was no indication from Wells Fargo that they would not meet the closing date.

XX/XX/2020 - We were scheduled to close with Wells Fargo.

XX/XX/2020 - Wells Fargo began contacting me for additional financial information.

They began contacting my insurance company for insurance questions.

XX/XX/2020 - received the following email - " Currently delays are due to not receiving final approval in time to release your closing disclosure for XX/XX/XXXX close date. It was our delay in making a request for the additional assets necessary to verify post-closing liquidity reserves. '' XX/XX/2020 - They still had not cleared the mortgage They were not able to meet that deadline due to their lack of ability to complete the underwriting process.

XX/XX/2020 - seller communicates that he will cancel the contract and keep the escrow deposit.

XX/XX/2020 - Zero communication from Wells on approval XX/XX/2020 - I had to write a hardship letter to waive the 3 day right to review law. 
XX/XX/2020- cleared to close at XXXX XXXX  XX/XX/2020 - I was charged a service fee by Wells Fargo. I would like this service fee refunded.
Product: Credit reporting or other personal consumer reports

XXXX 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 : DOEXXXX Account Number : XXXX Account Name : DOE/XXXX  Account Number XXXX XXXX Account Name : DOE/XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or 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: Credit card

Wells Fargo sent me a credit card with XXXX limit. Even though there is no interest on the money owed [ I transferred a balance from another account } until XXXX 2017 I have never been told what the interest rate will be.