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

In accordance with the fair credit reporting act the this account below Has violated my federally protected consumer rights to privacy and confidentially under under USC 1681 section 602 a. Account name US department of edu account number XXXX has violated my rights 15 USC 1681 section 602 a States I have the rights to privacy 15 USC section 609 a section 2 Also states a consumer reporting agency can not furnish a account With out my written instruction. 15 USC 168c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) a A person shall not furnish any information relating to consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax and XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Violating the privacy act of XXXX! 

Account number XXXX Recent Balance, {$1500.00} Date opened XX/XX/XXXX XXXX credit management is legally also not even licensed to collect debts within the state of Pennsylvania!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$80.00} XXXX  XXXX XXXX Balance : {$110000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXX XXXX AV XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

i went to apply for food stamps as XXXX XXXX XXXX  in XXXX az district court keeps writing forged child support orders in order to take half of my social security money monthly. hes been doing it for two plus years for bribes from XXXX XXXX or whatever her next name is. now its XXXX I think and she is till filing my suits XXXX  them from my flash drives, computers and more with congress in all 50 states for the money. she XXXX  her money along with donald trump sr. through XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX, ... and the clerk at DES food stamps in XXXX nv, said that three accounts came up on her screen that were open that I had already closed years ago. one was Chase bank opened in XXXX and XXXX went into to it in XX/XX/XXXX and out in XXXX XXXX i went to chase and it appears that someone opened it XX/XX/XXXX with and XXXX Deposit THE XXXX XXXX XXXX PAYMENT XXXX ... XXXX. I CLOSED THIS ACCOUNT AS I DO WITH ALL MY ACCOUNTS BUT XXXX XXXX REOPENED THEM FROM ME, .. FROM ME. 
I WENT TO CHASE AND WHAT WHE SAID WAS TRUE, AND I WAS GIVEN XXXX IN EXCESS OF MY CLOSERS. ACCOUNT ENDING IN CHECKING # XXXX IT IS BEING USED IN MI, IN, GA NC SC XXXX XXXX CHECKING ACCOUNT. I CLOSED IT BUT XXXX XXXX  XXXX XXXX XXXX XXXX, MI ALSO REINSTATED CHARGES FROM MI, FL, ELLECTRONICS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that Equifax had experienced a data breach and information was compromised. On XX/XX/XXXX and XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX and several XXXX XXXX and XXXX inquiries were located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX, XXXX XXXX, and XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit cannot be pulled without my authorization and that has not happened. If you take a look at my record these derogatory items keep appearing on my credit report. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I paid XXXX dollars to XXXX XXXX  credit card. I paid XXXX  XXXX credit card and XXXX XXXX bank credit card at the same time ( both full payment, 0 utilization ) Based on the successful payment to credit card, my credit utilization should be updated and credit scores should be increased by three credit bureaus [ XXXX, Experian and, XXXX  ] ASAP.

But three credit bureaus act slow and maintained wrong amount ( credit utilization rates )
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus XXXX not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I WRITING BECAUSE I NEED FED LOAN TO VALIDATE THIS LOAN
Product: Payday loan, title loan, personal loan, or advance loan

CFPB, I am writing to request your assistance with MoneyLion. Been using them for a while know and they have been providing misleading information about when I can receive my cash advance. First, they told me that I needed to pay back my {$14.00} advance, and clearly they didnt understand what I was telling them. Im really frustrated with them. Never have had this issue with them before. I dont appreciate the misleading information that they have provided to me. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries on my report that I did not authorize. 
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of 2017 XXXX data Breach which has affected my credit report. I have erroneous accounts that need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised in several data breaches and my name has been sold over and over again on the dark web. I am pleading for help from the CFPB because I can not have any progress with Equifax in handling my dispute of 4 accounts that were opened by someone who stole my identity XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have sent in a police report as well as an FTC Identity Theft Report and yet Equifax continues to report those items on my credit report in clear violation of numerous FCRA regulations.
Product: Debt collection

I received a voicemail on Monday XX/XX/XXXX from an " XXXX '' claiming that I had 2 civil complaints against me and that I would be served papers that week. I called the number she left in the voicemail and reached CRS and XXXX. XXXX XXXX took the call. He stated the call was being recorded and to let him finish before speaking or asking questions. He said that I owed a debt from XX/XX/2005 from XXXX XXXX  and that I would be receiving a court summons regarding a theft and fraud investigation. He claimed that I had 3 options : 1 ) To go to court and be responsible for the judgment and court costs 2 ) make payments or 3 ) pay off at a discount and avoid the court. The call occurred during my work shift and created unnecessary panic and anxiety. I gave my debit card number to avoid a court record and was sent and email to sign papers to authorize payment. After the call ended and I calmed down, I performed research on CRS and associated and found many reports of scamming and predatory tactics to collect old debt. I called the court system in my local county as  well as XXXX XXXX and had enough information that this was not legitimate. On XX/XX/XXXX, CRS withdrew {$490.00} without my signed authorization. I called Mr. XXXX to confront him with the situation and call him out with the information I had obtained. He continued to dispute the information XXXX XXXX ( the institution where the debt is owed ) gave me before cutting me off and asking what I wanted. I stated that I want the funds returned to my bank account since I did not sign the papers authorizing them to withdraw. He was going to hang up on me before I could ask when the money would be deposited. He stated today ( XX/XX/XXXX ). I called XXXX XXXX  to confirm the original information I received. I called Mr. XXXX back and stated once again the facts and called him out on the lies. He said " the money had already been refunded and to stop calling. '' He hung up on me. The funds were not returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX XX/XX/XXXXXXXX account # XXXX, XXXX, XXXX account # XXXX, XX/XX/XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

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 XXXX : 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 : Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/scrub>XXXX  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 these fraudulent accounts in my report and CREDIT BUREAU 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, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are 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 these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I hope this letter finds you well. I am writing to express my appreciation and to request an update to the status of my account to reflect " Open/Never Late, '' following a recent internal issue that has been successfully resolved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I apply for a credit account with XXXX XXXX ( XXXX ) I get denied because Experian sends them information that I have an " unsatisfactory payment history ''. 

I have never been late in my life and no late payments are reflected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inquire about the status of my recent credit card application. I was disappointed to learn that my application was denied, and I would like to understand the reason for the denial. 

I have recently experienced a drop in my credit score with Capitol One, which I understand may have played a role in the decision. I would like to assure you that I am taking steps to address this issue and improve my credit score. 

I am a responsible credit card holder and have a history of making timely payments. I believe that my credit score does not accurately reflect my ability to manage credit responsibly. I would greatly appreciate the opportunity to prove myself and demonstrate that I am a responsible borrower. 

I kindly request that you reconsider my application and give me the chance to prove myself. I would be happy to provide any additional information or documentation that may be needed. 

Thank you for your time and consideration. 

Sincerely,
Product: Debt collection

Hello, This company its been calling me over a year regarding old debt with XXXX XXXX  which I already paid, told them many time that account is been paid off and provide receipt and they still call me during different times of the day and night and keeps threaten me about serving me, getting arrested and called many of my family and distant relatives said that I owed money to them and that they will take me to court. They are very aggressive and try to collect money at the time of the call trying to scare me. I told to go ahead and continue with the process to come and serve me but to please stop calling me and calling people that may know me. But they still do call me and them from different phone numbers. Thank you