23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

on XX/XX/, I applied to consolidate my loans and be placed on the SAVE plan. It is now XXXX XXXX XXXX And I have yet to have this process completed. In that time period, over XXXX XXXX XXXX XXXX XXXX in interest has accumulated on my account due to servicer unable to timely process my application for SAVE ; I called Aidvantage multiple times and was told I just need to wait for it to process. I asked to speak to a supervisor and was told that was not an option; was hung up on on one of my calls with Aidvantage. 

This is unacceptable. I have provided studentaid.gov and Aidvantage with all the information / paperwork needed to process my consolidation/ SAVE application ; because Aidvantage has been unable to process my form in a timely manner, I have thousands of extra dollars in interest on my loans. This is a financial harm to the borrower and in my opinion is not acceptable.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : US DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX  XX/XX/year> And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE & 1681 C 2 - BLOCK INFORMATION Regarding identify theft. 

accounts # XXXX  XXXX XXXX  {$28000.00} XXXX XXXX  # XXXX {$5400.00} XXXX XXXX {$430.00} XXXX XXXX  # XXXX {$73000.00}
Product: Debt collection

I received a bill from XXXX XXXX after an emergency room visit. The amount was over {$600.00} so I started making payments on it, which I have always done in the best. After paying half of it off ( {$150.00} per month ), I received a call from a debt collection agency. I notified them that I had been making payments of {$150.00} each month. They stated they had seen the last payment of {$120.00} on XX/XX/2018 ( which I again had sent in {$150.00} ). I called XXXX XXXX back to find out what was going on and they stated that since I did not set up a " formal '' payment plan, they had the option of turning my account over to a collection agency. I had to then call the collection agency back to set this up. 

I resent that XXXX XXXX went to a collection agency, even though I was paying a good amount each month and I had done this is in the past with no problem. I'm not sure at this point why they would state that they received the payment of {$120.00} when I have been paying {$150.00} each month. This was not necessary to turn me over to a collection agency to damage my credit when I have been paying.
Product: Debt collection

In XXXX of XXXX, I was alerted with a collection notification so I immediately called XXXX XXXX XXXXo see what this unknown account was. After speaking to several representatives my questions wasnt answered because they were asking me for my personal information. I requested information about the account after I never received anything.I then emailed the companies CEO an he never responded back. At that point Im now devastated, because I was in the home buying process. That debt dropped my score XXXX plus points on Equifax and XXXX and XXXX plus points with XXXX. Now my next option was to dispute the unknown debt from my credit report with all 3 bureaus. I disputed the debt in XXXX by phone with a representative with all bureaus. After waiting a few days XXXX immediately deleted the item from my credit report. Finally I get an email from Equifax and XXXX stating it was accurate and verified. At this point I called them an asked how and who they verified it through, the representative said thats what the company said so I told her send me the information, but I never received anything. After waiting and waiting still nothing, on XX/XX/XXXX I decided to send Equifax and XXXX a certified method of verification letter. On XX/XX/XXXX I received a letter from Equifax dated XX/XX/XXXX stating they were unable to locate a credit file in their data base an was asking me to send in personal information. So to my knowledge if they cant locate my file how are they investigating unknown information on my report but telling me its verified. I will include that letter. XXXX never sent anything back, but an email saying it was verified and accurate after I requested information on the verification. On XX/XX/XXXX I sent Equifax and XXXX a certified follow up method of verification letter on that same unknown collection. XXXX finally responded with a updated credit report but the collection wasnt removed after I asked if it couldnt be verified. Equifax emailed me stating it was verified and accurate but cant send me proof of it. Now that Im getting frustrated because this is hindering me from purchasing a home for me and my kids. I sent both bureaus a certified XXXX follow up method of verification letter on XX/XX/XXXX. Equifax sent a letter dated XX/XX/XXXX saying they received my letter on the other hand XXXX didnt reply. Ive been disputing and disputing with these 2 bureaus an theyre not sending me what I requested. If its verified why is it so hard for them to send me the required information or do as I asked DELETE this collection. I will be enclosing my letters. Each letter was sent to Equifax and XXXX.
Product: Money transfer, virtual currency, or money service

COMPLAINT I am the court-appointed executor of the estate of my XXXX year old Mother 's boyfriend of 35 years, who passed away XX/XX/2018. 
The amount in question : {$86000.00}. 
Investment Firm refusing to release the funds : CapitalOne Investing. 
Beginning XX/XX/XXXX, I have submitted ALL of CapitalOne Investing required paperwork and have done everything they have asked me to do, but as of XX/XX/XXXX, NOTHING has happened. 
This included death certificates, letters of testamentary, notarized court documents appointing me as executor, Affidavit of Domicile, medallion signature guarantee " Transfer Assets Between Accounts '' and the name of my first pet. 
What's in my wallet? It certainly isn't CapOne. 
*XX/XX/XXXX CapOne Investing sent a letter outlining information I needed to provide them. 
*XX/XX/XXXX Having not heard, I sent a letter to CapOne *XX/XX/XXXX, I called CapOne and was told " Somebody should have responded to you '', and that they needed additional forms which they emailed and faxed to them the same day. I was told I would hear back by XX/XX/XXXX. 
*XX/XX/XXXX Having not heard, I called. " You first need to set up an account with XXXX as all accounts are being rolled over to them. I completed that process XX/XX/XXXX and have an active account but no funds. 
XX/XX/XXXX Having not heard, I emailed the " Customer service team '' and reiterated " Per CapOne 's direction, I was instructed to open up an account and have the funds transferred into the new account with XXXX. I HAVE done that, but XXXX contacted me Friday, XX/XX/XXXX and they said I have a XXXX balance and they " have no idea when the CapOne accounts are being transferred over ''. 
XX/XX/XXXX Having not heard, I called CapOne today. On my first call, after giving my account number CapOne ( or me? ) discontinued call, so I immediately called back. I was then told that ALL documents were received XX/XX/XXXX, but they could not explain why I could not access the funds, but that they would check with their operations team and I should hear back within 48 hours.
Product: Money transfer, virtual currency, or money service

CASH APP AND AMPS BOOK PUBLISHING COMPANY SCAMMING AND SCHEME TO DEFRAUD XXXX : XXXXXXXX XXXX XXXX XXXX : XXXX CASH APP REFUSED TO VALIDATE A MALICIOUS DISPUTE DENIAL. THEY REFUSED TO PAY ME MY MONEY BACK {$20000.00} THAT I SENT THEM DOCUMENTATION OF THE COMPANY SABOTAGE. 

CASH APP 'S REFUSAL TO VALIDATE THEIR MALICIOUS DISPUTE DENIAL IS IN VIOLATION OF : 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), 23 NYCRR 1, AND The Consumer Credit Fairness Act ( CCFA ). CASH APP LAWLESS KEEPING OF MY MONEY AFTER SENDING THEM EVIDENCE OF THE PUBLISHING COMPANY 'S BOOK COVER SABOTAGE, FRAUD, MALICE. AND HARASSMENT IS CASH APP 'S ABUSE OF PROCESS, THAT MUST BE STOPPED.
Product: Credit reporting or other personal consumer reports

I recently discovered several discrepancies and inaccuracies in my credit report, which were provided by Experian, XXXX and XXXX. These errors have had a significant negative impact on my financial standing and have caused unnecessary distress and inconvenience. 

According to the FCRA, credit reporting agencies are required to maintain accurate and up-to-date information about consumers, ensuring that their credit reports are fair and reliable. However, upon reviewing my credit report, I found the following violations of the FCRA : XXXX. My name is incorrect XXXX. They stated that my accounts are Verified... 

XXXX. They have not sent the requested documents to prove the accounts are Verified.. 

I have made several attempts to rectify these errors by contacting Experian, XXXX and XXXX directly. However, their response has been unsatisfactory, as they have failed to promptly investigate and correct the inaccuracies as mandated by the FCRA. 

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and take appropriate action against Experian, XXXX and XXXX. I believe that the violations mentioned above not only infringe upon my rights as a consumer but also undermine the integrity of the credit reporting system as a whole. 

Enclosed with this letter are the supporting documents, including copies of my credit report highlighting the errors, correspondence with Experian, XXXX and XXXX, and any other relevant evidence. 

I trust in the CFPB 's commitment to protecting consumers ' rights and ensuring fair credit reporting practices. I request your prompt attention to this matter and a thorough investigation into the violations by Experian, XXXX and XXXX. Additionally, I would appreciate regular updates regarding the progress of this complaint. 

Thank you for your attention to this matter, and I look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting. 

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

I have inquiries repeatedly reporting on my credit report from XXXX XXXX XX/XX/XXXXon my Equifax Credit file and I never authorized or applied for credit with that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my XXXX, XXXX, XXXX and other Credit Reporting Agencies that need to be removed immediately. The Fair Credit Reporting Act states that I have a right to privacy and the only way a consumer report can be furnished is with the consumers written instructions. I never gave any consumer reporting agency any written instructions to furnish my information. Also transactions and experiences between consumer and a person making the report are not supposed to be on my report as well. All of this is FEDERAL LAW, the consumer reporting agencies have violated several of my federally protected rights and I need XXXX XXXX XXXX XXXX XXXX Removed from all of my consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilities. 

I did not authorize or consent to any transactions as the consumer.
Product: Credit card or prepaid card

XXXX til recent no dispute. For over 2 months called and reported it XXXX about
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX and XX/XX/year>, I fell victim to a multi-layered scam operations run by Datagaps which involved me making deposits for a total amountof of {$40000.00} from my NFCU credit cards ending in XXXX and XXXX, and my NFCU debit card ending in XXXX to fraudulent firm ( XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXXXXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XX/XX/XXXX I got divorced in XXXX, OR I have never remarried and as of XX/XX/XXXX I am still associated with my ex husband social and address. I have attempted to have the information corrected over the past 15 years and I never see changes and I give up. Not this time. 

Another address was only a holding address while I moved I need it removed and all the credit bureaus report it. 

I have a judgement that I never received any information on and now I am not able to rent an apartment because of the judgement. I would like more information on suing the apartment complex for this lien. 

Federal Trade commission needs to reform the Credit Bureaus because data is not updated and people are done being XXXX by these reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX*Balance {$1300.00} XXXX Balance {$11000.00} XXXXXXXX***Balance 0 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently experiencing identity theft. Equifax won't place a Fraud Alert on my account without me faxing them 2 forms of photo identification, after which it will take up to 30 business days to process. In the meantime, my credit is vulnerable to further attempts at identity theft. 

XXXX and XXXX were able to place fraud alerts immediately, while Equifax is trying to discourage me from doing so by making it difficult.
Product: Credit reporting or other personal consumer reports

I am writing this in good faith. The items listed are HARD INQUIRIES on my credit profile/report. None are connected to an open account, and are having a negative effect on my ability to secure credit. I would like them removed from all three of my credit profiles with the following credit reporting agencies : Equifax, XXXX and XXXX. Thank you. 

XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX TX, XXXX XXXX  XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX NJ, XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to BK OF AMER XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the recent Equifax massive security breach reported yesterday ( X/X/2017 ), I checked my information today ( X/X/2017 ) on their website " https : //www.equifaxsecurity2017.com/ ''. My vague result read : " Based on the information provided, we believe that your personal information was not impacted by this incident. '' I have no choice but to assume that means my information has been released to an unauthorized party. I did not follow through the XXXX enrollment as it is unclear if this waives my rights to press charges against Equifax for damages. I have placed a fraud alert on my information in attempt to limit damages from Equifax 's negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX/XXXX {$0.00} XXXX XXXX - XXXX {$1300.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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