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

XXXX and Equifax is reporting a collection on my profile from XXXX XXXX. 
XXXX is reporting the date of last payment as XX/XX/XXXX. XXXX is reporting XX/XX/XXXX. 

This is an inaccuracy on my credit profile. per FCRA 15 U.S.C 1681i The companies report that the account meets fcra requirements however this inaccuracy is still present.

Per FCRA 611 ( 5 ) ( A ) ( i ) - ( ii ) if after a re-investigation under paragraphs ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate m or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher that information that the information has been modified or deleted from the file of the consumer the bureaus investigated this account previously and held that the information was accurate, however there are still incomplete, inaccurate, inconsistent information on my profile and I would like the account promptly deleted Credit report attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was first contacted by this company via email roughly six months ago regarding a debt they said that I owed to XXXX XXXX XXXX XXXX. I responded back that I am not aware of this debt and to show they are the holder of any Promissory Note or Contract signed by me. I received a letter dated XX/XX/2022 and I responded back to the letter via certified mail with return receipt. I received an email today with an attachment of the so-called final bill but that is not any Agreement I signed or a signed Promissory Note. I continue to dispute this debt and the validity of the debt ; I also dispute who the original Creditor is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get my credit reports today via annualcreditreport. The XXXX  and XXXX XXXX had no problem verifying my identity and giving me my online report. Equifax gave me four nonsense questions that didnt pertain to me for verification. I answered does not apply. Equifax proceeds to tell me I cant get my report because my info is incorrect. Cant back out of the page only option is to close web browser. Tells me I have to send in documents like rent payments and social security card which I am not going to do. I looked it up online and hundreds if not thousand of people have had this exact problem with specifically equifax in the specific sequence I just laid out. How is this company allowed to operate still when theyve been doing these tactics for over five years now according to my search.
Product: Checking or savings account

I opened a complaint/claim with PayPal ( Case Id : PP XXXX ) on XX/XX/2018. The PayPal unauthorizedly pulled out a total of USD XXXX from my bank account ( XXXX XXXX Checking account ). The five unauthorized transactions happened between XX/XX/2018 and XX/XX/2018 ). Since my first complaint, I have spent many hours of phone conversations with the Paypal to resolve the issue by getting the refund the balance of USD XXXX. The Paypal did their own investigation and admitted that the transactions were frauds and identified the party in this regard. And, they agreed to refund me all the 5 transactions. 
Unfortunately, PayPal has not refunded my {$740.00} yet as of today.
Product: Bank account or service

I have a checking and other accounts with USAA Bank ; much to my surprise and dismay, on Monday, XXXX XXXX, when I logged on to their internet site, I could view my daughter and her husband 's checking account information. Not only could I view their financial information but I could also perform transactions. This breach of security is disappointing in an institution which I had previously trusted. I have attempted to resolve this problem with USAA but have not received a satisfactory explanation or apology.
Product: Credit reporting

No matter what web site I go to I can not get a credit report or my XXXX scores
Product: Credit card or prepaid card

On  XXXX   XXXX ,  XXXX  I contacted Citibank in order to dispute a charge from  XXXX  on  XXXX / XXXX / XXXX  in the amount of {$330.00}  XXXX   XXXX  ). The charge was for a flight that was booked online. I did not know until I received the confirmation, just before the flight, that  XXXX  booked the flight to the wrong airport.  ( T wo airports had the same name, one was in  XXXX , the other was in  XXXX   XXXX . ) I had contacted  Citibank  on  XXXX / XXXX / XXXX  because I had all the paperwork together and wanted to write to Citibank to dispute the  XXXX  charge. The person who answered Citibank phone for disputes said they would NOT give me the address to write to at that time with my dispute, but would take the information over the phone. I argued that I needed the ADDRESS for the billing disputes department because I would not have time later to write the letter and wanted to protect my rights. They refused to provide me with the mailing address of the disputes department.     Instead, they wanted to verbally gather a considerable amount of information regarding the nature of the dispute, assuring me that they could work with it. Despite my repeated objections to wanting the actual address to write, it was not given to me. I was going out of town.      Citibank  subsequently mailed me a letter requesting information that was already provided on the phone.     I called  Citibank  today. They do not know why they had previously refused to provide me with the address of the dispute department. They also do not have the information that the person had taken over the phone collected anywhere in their documentation, ( So all they did was waste my time taking it. ) They tell me it is now too late to dispute the claim.
Product: Debt collection

I SENT SEVERAL LETTER TO THIS COMPANY AND THEY HAVENT RESPONDED TO ANY OF MY NOTIFICATIONS. ( LETTER SENT XX/XX/20 ) I HAVE SENT NOTIFICATIONS TO THEM VIA CERTIFIED MAIL THAT shows THEY RECEIVE THE LETTER. I HAVE REQUESTED THAT THEY VERIFY THIS INFORMATION CLAIMING A DEBT THAT I OWE THEM IN WHICH THEY HAVE NOT DONE SO YET. THEY HAVE NOT RESPONDED TO ME IN WHICH THEY ARE REQUIRED TO RESPOND WITHIN 3O DAYS.
Product: Credit reporting or other personal consumer reports

The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the e-Oscar system, which has proven to be unreliable for the intended purpose of my dispute, and does not constitute the legally required independent investigation that you must conduct. 
For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually. 
The Information as Shown Below Must Be Investigated Immediately. 
Failure to Provide Adequate Details, Method of Verification, Accuracy of All Dates, Amounts, and other pertinent information will result in the immediate filing of formal complaints with the CFPB and the FTC. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item. 

Account Name XXXX XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a delinquent account with a credit score. I paid off the account in full in XXXX or so of this year. Filed a dispute they removed where it was delinquent but took my credit score to where it shows I have no score at all. How is it I had a form of credit but one bad mark against me. I pay it off. And it leaves me worse off then having a delinquent account. I thought it was to improve my score not take it completely away.
Product: Checking or savings account

Personal loan went through bank account, had false signature, it cause my bank account to close
Product: Student loan

Product : Student Loan Issue : My student loan servicer mishandled my information Company Name : Aidvantage ( Maximus Education, XXXX ) Unauthorized Access to My Student Loan Records Request for Loan Discharge I am filing this complaint because my personally identifiable information ( PII ) and federal student loan records were improperly accessed and disclosed without my consent due to a data breach involving the U.S. Department of Education and its student loan servicing systems.

According to multiple news reports, unauthorized individuals affiliated with XXXX XXXX Department of Government Engineering ( DOGE ) team gained access to federal student loan databases, including those managed by Aidvantage. This means my Social Security number, financial aid history, loan balances, and repayment details may have been exposed to unauthorized parties. 

I became aware of this breach on the week of XX/XX/year>, when multiple news outlets confirmed that student loan records were improperly accessed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have NOT authorized Aidvantage or the Department of Education to share , disclose, or compromise my student loan data. Since my records have been improperly accessed, putting my financial and personal security at risk, I am demanding immediate loan discharge as a remedy for this breach.

I request that the CFPB launch an investigation into Aidvantages handling of my personal data, enforce accountability for this breach, and require the Department of Education to provide immediate relief, including loan cancellation for affected borrowers. 

If this request is not promptly addressed, I will escalate this matter by filing additional complaints with the Federal Trade Commission ( FTC ), my State Attorney General, and my congressional representatives.

Requested Resolution : Immediate discharge of my student loans due to the unauthorized access and permanent compromise of my personal financial information.
Product: Mortgage

XXXX   XXXX   sold our  XXXX  mortgage account  to Select Portfolio Servicing , Inc.  of  XXXX   XXXX   XXXX , Utah. I had absolutely no desire to have this happe n. Select Portfolio Servicing , Inc. has an absolutely terrible reputation, as can be easily seen with a little investigation online. I am very concerned that they will have errors tha t will cause me to have bogus fees added, " forget '' to pay my taxes from escrow, fail to send my tax documentation, and otherwise make trouble.     I am complaining in advance so you know who I am referring to should I have trouble with this firm, which I expect will happen.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union began reporting a fraudulent address to the credit bureaus some time ago. The address is XXXX XXXX XXXX XXXX . XXXX, XXXX, NV XXXX. This is the address of a fraudster who redirected and changed all of my personal information thereby having all my mail go there. I informed both Navy Federal and XXXX  of this- several times in fact. Despite providing FTC  Identity Theft Affividavits in addition to police reports ( yes, plural ), Navy Federal has not stopped reporting the address to XXXX. XXXX, despite assuring me that the address has been blocked, continues as of this moment to report the address. This is a gross violation of law as they both continue to knowingly and willingly, with obvious malice, to report fraudulent information on my credit file. As a result, this address is now part of my public record file. I have been attempting to resolve this since XX/XX/2019. I have given both companies ample time to correct this. As a matter of fact, I feel I have been extremely generous in the time I have alotted for them to simply stop reporting this fraudulent information. They have both been given several copies of both the FTC and XXXX PD reports. As of XXXX XXXX, XX/XX/2019, the fraudster 's address is still being reported to XXXX  by Navy Federal Credit Union and XXXX continues to list the address on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XX/XX/XXXX, 2017 credit report agencies reporting any public records must contain name, address, SSN or DOB in order to appear on credit file. All 3 credit bureaus have failed to update information per new law. Bankruptcy on file does not meet law requirements and needs to be removed from consumers credit file.
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 rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX  Account number : # # # # # 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 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

I bought a couch at the Macy 's XXXX store in XXXX in XXXX of XXXX. The store told me there would be XXXX  interest if payments are made in full before the promotional XXXX year no interest date. 

I made monthly {$200.00} dollar payments. XXXX days before the promotion 's XXXX  year no interest deferment date, I pay off the entire balance left of {$1100.00} on XX/XX/XXXX. 

I confirmed with the Macy 's American Express representative that the balance was at XXXX, and there would be no deferred interest applied to my Macy 's credit card. 

She confirmed my account was at XXXX. 

Months later, I start receiving Macy 's bills for all the deferred interest. I contacted the Macy 's credit department again and spoke to a representative. I told her I paid it in full before the promotional XXXX year no interest deadline. She told me to just wait for it to drop next month. The bill did not update. I waited for the next month and the bill continued to reflect all the deferred interest. I called the XXXX XXXX XXXX department and told them this is paid off. I notified my credit and filed a dispute with XXXX and XXXX. The Macy 's balance seemed to be removed from my credit and reflected a XXXX balance. I thought everything was good. 

This year, I received a notice from Collections, saying I owed almost XXXX to Macy 's. This is not my fault. There is a lag time between Macy 's Customer Service Credit department and their Finance department. The account was paid in full, on time. I will not be paying any deferred interest and intend to take legal action against Macy 's to restore my good credit standing. Macy 's is negligent in updating timely payment transactions and causing me undue stress and ruining my credit. Bank statement with proof of payment is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you will make further actions regarding this matter. I called XXXXEquifax after I purchased a credit report from XXXX XXXX on XXXX XXXX XXXX After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were inaccurate informations on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them removed from my credit file. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items needs to remove : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXX Balance Owed XXXX {$180.00}.
Product: Debt collection

In XX/XX/XXXX, I found my XXXXredit score dropped a lot, showing I have a collection account. The orginal creditor is an apartment complex that I never applied for in the past. On my XXXX credit report, it shows this account was open in XX/XX/XXXX. That was a moment that I move from one apartment ( under XXXX XXXX ) to another apartment ( under XXXX XXXX ). The creditor is the apartment under XXXX. The fact is I never lived in any apartment with XXXX company. 

I never received any debt information from the creditor or even the collection debt company. I contacted the collection company, they rejected to provide more information about this collection, they were just rudely pushing you to make the payment. Until now, the creditor still doesn't call back to me after I reached out to them. The company never reached out to me.
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " XXXX XXXX open balance {$750.00} last reported XX/XX/XXXX. Original creditor. ( XXXX CAPITAL ONE BANK USA NA ) " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ) ( CAPITAL ONE AUTO FINANCE, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.