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

Equifax 's, experian, XXXX failure to provide evidence of thorough investigation while claiming the account is accurate violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which requires a reasonable investigation of disputes. Additionally, these actions may breach the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) .This is particularly concerning given the consumer financial protection bureau 's ( CFPB ) recent administrative proceeding ( File No. XXXX ) highlighting similar violation by Equifax, XXXX and XXXX. I urge the CFPB to ensure Equifax, XXXX and XXXX adheres to federal law and provides consumer with proper proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter that detailed various inaccurate reported items on my credit report. As of today, XX/XX/XXXX, over 45 days later I have not received a response. Im not sure if my letters were discarded, or if they simply ignored my disputes, but I have not received any reply to my disputes. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the XXXX data Breach or some type of Identity theft. Please delete.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that all accounts mentioned below be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

CAP ONE AUTO Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7100.00} {$7100.00} {$7100.00} No. of Months ( terms ) : 73 73 73 High Credit : {$26000.00} {$26000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$7100.00} {$7100.00} {$7100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. Merchandise was taken back by credit grantor ; there may be a balance due. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was issued a Comprehensive File Disclosure from Early Warning Services on XX/XX/XXXX ( see attached ). Upon reviewing the file, I realized it was empty and called EWS to find out why. On XX/XX/XXXX at around XXXX XXXX  I called EWS and spoke to employee XXXX who told me that EWS does not put any information in the Comprehensive File Disclosure for the consumer because they are not authorized to. XXXX also advised me to go back to the institution that denied me and ask them to provide a reason for the denial, but the institution already told me they could not give me that information in our initial meeting and directed me to Early Warning Systems. As the consumer, I have certain constitutionally protected rights. Among them, 15 U.S.C 1681 section 602 A, states that I have the right to privacy. Also, 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have not given EWS written instructions to provide any information, and as such, they are violating my rights. I had a previous correspondence with EWS in XX/XX/XXXX and they told me I had no file with them. ( see attached )
Product: Debt collection

The summer of XXXX, I graduated and decided to look for some apartments or dorms with my friends for college. We went to XXXX XXXX Apartments in XXXX, Texas and were excited about how the property was and the staff. XXXX of the employees asked if we decided on if we wanted yo stay there, but we had told him we had to wait to talk it over with our parents. The next day, we went back and we told him that we still wasnt sure yet, but he insisted that we sign some papers to, in his words, keep our rooms secured. We signed them NOT knowing it was a lease agreement after we told him that we cant sign anything important until we talk to our parents. The next morning my friends mom called and told us that we signed a lease and after that I called them multiple times to try to see if they can change it. I never officially moved in or anything at all.
Product: Credit card

I received credit card I made my first payment early for XXXX dollars. And then I received notice I authorized a payment of XXXX to pay on credit card ( of which I did Not ) I authorized a payment of XXXX to be paid for my credit card on XXXX XXXX I had about {$9.00} in my bank account my account is now overdrawn by XXXX taking this amount of which was not in my checking account has me overdrawn I haven't received my SS check and now my XXXX scores have dropped XXXX points over drawn bank account for which they said I authorized I DID Not AUTHORIZE A Payment
Product: Checking or savings account

Wells Fargo has stolen over XXXX of my money they refuse to honor my claims of fraud My cards and phone were stolen then the police caught the suspect XXXX XXXX and he admitted to using my cards fraudulently and I gave them an ftc report on top of the police report Wells Fargo refuses to give me my money back and now they are closing all my accounts and closing my id theft / fraud disputes so they wont have to pay me Wells Fargo is a thief give me my money!!
Product: Vehicle loan or lease

What is the reason Auto Loan provider do not have to provide Amortization schedule? Having Amortization schedule available online and also every payment request having the break up of Interest and principal ( just like Mortgage ) helps consumer a lot to make decision on payment towards principal and get out of debt as early as possible. 

Also they do not have option on their websites to make an payment towards principal, we have to pay, which by default goes to all future payments, unless we call them to move it towards principal only or other way is via mail. So ease of use is not avalable.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX 

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 reporting, credit repair services, or other personal consumer reports

There is an inquiry from XXXX XXXX  in my XXXX credit report which I do not recognize. I am afraid this is a fraud case. The recorded date for this inquiry is on XX/XX/2018. Please help me out with this suspicious activity. Here is the contact information of the institution : XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit card

I had a {$0.00} balance on my Macy 's credit card and still received a bill for {$2.00}. Had I not checked ( assuming the bill was {$0.00} ) I would have missed a payment, negatively affecting my credit.
Product: Credit card or prepaid card

Synchrony Bank DBA Walmart Credit Services opened a fraudulent account under my name twice this year. When I called to tell them the second time, I spent over an hour on the phone and escalated three times to get the card ( that had already been mailed out ) canceled immediately. I was told there would be an investigation that would take up to 60 days and I would get a notice in the mail in 30 days that the account was closed. I told them to delete me from their entire database since they are complicit in opening these fraudulent accounts ( their own internal " processes '' failed which included leaving me a message that I needed to call back within three days to open the account ; I did not call back yet the account was opened anyway and the card was mailed out. INSTEAD OF CANCELING THE CARD AND REPORTING THE CARD AS FRAUD, SYNCHRONY BANK REPORTED THE CARD AS LOST/STOLEN TO THE CREDIT BUREAUS AND ALSOREPORTED A NEGATIVE ACTIVITY WHICH COULD ADVERSELY IMPACT MY CREDIT SCORE!!!!!!! This is twice this year the same bank has fraudulently opened an account under my name and I have no recourse. I ca n't even get it closed/canceled and reported as fraud to the credit bureaus. When I called again today to demand that they fix the false credit reporting and they reverse the negative activity. I escalated to the highest person who was named XXXX who said he was the floor manager and he was the highest person available. XXXX told me that the company could only send credit bureau updates every thirty days and the last statement closed XX/XX/XXXX. This is a lie because the credit reports they filed on my credit account with bureaus was published XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. So I can not believe they are not able to restore my credit more efficiently than waiting for a thirty day ficticious billing cycle ( since I never opened an account with Walmart there can be no " billing cycle. '' ) Given the urgency and victimization of this identify theft situation, I can not wait for them to passively send an update in thirty days and meanwhile my credit is negatively affected. This is absolutely fraud and they are complicit in fraudulently opening accounts twice this year under my name so they need to be held accountable. I WANT MY CREDIT RESTORED AND MY NAME PERMANENTLY REMOVED/DELETED FROM ALL SYNCHRONY BANK DATABASES SO THIS WILL NOT HAPPEN TO ME AGAIN. I OWN MY OWN DATA AND DEMAND THEY DO NOT USE MY PRIVATE/PERSONAL CREDIT INFORMATION ANYMORE. I have now spent hours on the phone with their toll free number, put on hold for long periods when I demand to talk to a supervisor who can actually do the right thing instead of read me company talking points. I NEED MY CREDIT REPORT RESTORED, ALL SYNCHRONY ACCOUNTS IMMEDIATELY CANCELED UNDER MY NAME, AND MY SOCIAL SECURITY/CREDIT FILE PERMANENTLY REMOVED FROM ALL SYNCHRONY DATABASES. I HEREBY DENY THEM PERMISSION TO EVER USE MY CREDIT INFORMATION IN ANY WAY AT ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Complaint against : AutoPay XXXX Customer Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Subject : DISPUTE REQUEST : Unauthorized Hard Credit Inquiry On Tue, XX/XX/2019 at around XXXX XXXX XXXX, my credit was pulled by AutoPay without my permission. I did not authorize for them to submit an auto refinance application that will result to a hard inquiry on my XXXX Report. This is clearly a violation under the Fair Credit Reporting Act ( FCRA ).  Proof of email documentation will be provided upon request. 

This is to request for an investigation on the matter and to remove such inquiry from my XXXX credit report. We appreciate you looking into this matter. 

AutoPay has been informed of my request and they have been advised of my right to pursue any and all available legal and equitable remedies for this case.
Product: Student loan

I am filing this complaint against the U.S. Department of Education ( DOE ) regarding mishandling my Public Service Loan Forgiveness ( PSLF ) reconsideration requests. 
My most recent reconsideration request ( Case # XXXX ) was denied within XXXX minutes of submission, with a generic response stating my request was not permitted under the XXXX program, despite my detailed explanation of MOHELAs administrative failures and the financial hardship caused by XXXX unauthorized withdrawing {$1500.00} worth of payments from my account during a federally issued forbearance period when they were not authorized to take money from me. 

The DOEs refusal to fully address my concerns or provide a detailed explanation for their decision is unacceptable, especially as I am only XXXX payments away from full XXXX forgiveness. 

My issues include : Repeated administrative failures by XXXX, including day long hold times, call disconnections, and XXXX year delayed refunds that caused me to complain using multiple CFPB and DOE complaints as well as a complaint to my bank, XXXX XXXX. 
The DOEs unwillingness to consider XXXX negligence in my XXXX eligibility review, despite clear documentation of financial and emotional harm. 
The inappropriate suggestion to buy back XXXX credits, which would unfairly require additional payments due to circumstances beyond my control. 
I am requesting the CFPB investigate the DOEs handling of my PSLF requests, including : Ensuring a thorough review of my case, considering the documented administrative failures by XXXX. 
Preventing further denial without clear, evidence-based reasoning and a specific pathway to XXXX forgiveness. 
XXXX the DOE accountable for providing accurate information and fair consideration of borrower hardship.
Product: Debt collection

I do not even know who this company is. There is nothing on my credit report for Meridian Financial Services. Lastly, they are calling for my old married name ( which I have not had in over 10 years ). They are calling family members too trying to reach this name also. I would like them to stop calling as again there is nothing on my credit report, nor have I received a debt validation letter for any outstanding debts that would have been owed prior to the past 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

The company are fraudulently and consistently and willingly and willfully trying to collect fraudulently, Without first-hand knowledge they have sent a letter stating notice of hearing motion for summary judgment for {$43000.00} on XX/XX/2023 at XXXX XXXX via web X now for this amount of money that they're requesting a summary judgment on at the time of receiving the letter I fear for my life being that amount of money is a contract hit, Because if there's no one there at the hearing they automatically win so therefore I fear for my life that after they take my life they will be successful and winning so I truly fear for my life and my family members lives they are going to any extent to try to collect at whatever cost as I have tried to resolve in good faith with them over and over and over they have ignored everything and anything that I have presented in good faith.
Product: Mortgage

Ocwen never provided us with a XXXX-1098 form for one reason only they did not service us when our mortgage transfer due to the mortgage scandal. 
I dont care what letters they have provided in our original complaint. 
They have provided us with documents from XXXX to the present minus the 1098 form for XXXX
Product: Credit card

My Ex hade been using my credit to apply for credit cards whiteout my knowledge for years he just told me a after I called the police credit cards he opened and used under my name 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  THE ONLY CORRECT ADDRESS I GOT IS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX Also
Product: Credit card or prepaid card

The merchant XXXX  has issued a refund on XX/XX/XXXX to my Citibank Costco visa card. It is XX/XX/XXXX now and I still have not received my credit back on my card. I have called Citibank multiple times and they said they do not see anything from their end. I have documents from XXXX showing the refund was issued already.
Product: Debt collection

I am currently on a payment plan with Harris and Harris for my debt. I have sent a couple letters asking them to stop calling, I receive multiple calls a day every day. 
I just want it to stop the money is coming out of my bank automatically
Product: Credit reporting

I had an account with XXXX # XXXX that is listed on Experian and XXXX as a charge off account even though it has been paid. This account was paid 8-9 years ago and should not be on my report any more. I have disputed it several times to no avail. They have come back and stated that this account was verified but when i ask either the creditor or the credit bureaus for proof of the last date of activity i never get it. 

i 'm hoping you can help me resolve this as this is hurting my ability to obtain employment
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX5 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
XXXX5 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 In accordance with the Fair Credit Reporting act 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, credit repair services, or other personal consumer reports

XXXX XXXX  for XXXX XXXX was previously removed from credit credit report and reappeared.