23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting 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 XXXXXXXX XXXX # XXXX, XXXX 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, 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 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

This is in regard to late payment notices sent to all three CBRA 's by FIFSG. Please remove those notices. FIFSG claims to have a program to help its clients keep current and those that have fallen behind. Due to COVID-related unemployment and issues with CA EDD which I informed the company 's Account Manager, I would need to arrange payments at a later date which I did and made certain they were kept. The Account Manager stated that this would not be an issue and did not state that this would place a negative mark for late payment on my account. I paid the back due and prepaid the next due payments to keep my account ahead. In complete contradiction to their commitment to not penalize me, they placed late payment notices on my CBRA 's. This is dishonest and a violation of FCRA which states that they are required to inform a customer of a negative action that will be taken when questioned about the repercussions of making a payment arrangement.
Product: Debt collection

I have an account with mariner finance that is listed as delinquent on my credit reports as a charge-off. Mariner offered me a settlement for {$1200.00} which I accepted. After accepting it they ghosted me and did not honor the settlement. When I called them they laughed at me verbally telling me that I would never be offered a settlement for 60 % of the balance. The balance owed was {$1800.00} and they offered {$1200.00}. They charged it off and continue to assess interest every month on it and have done so for over a year and now ask for {$2500.00}. They mark my account as a new charge off every month and are unwilling to honor their agreement. After marking me as a charge-off they got me fired from my job working with money and have prevented me from finding new work in my industry resulting in several months of unemployment
Product: Credit reporting or other personal consumer reports

I requested the credit bureaus to verify everything on my credit report, and they did. They stated that everything was accurate, and I did thorough research and found proper inadequacies dates on the credit report even after they did. Account : XXXX XXXX XXXX Under the fair credit reporting act, XXXX  account # XXXX with 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 also states a consumer reporting agency can only furnish an account with my written instructions.
Product: Credit card or prepaid card

I filed a dispute for a charge of {$1800.00} that was a fraudulent company impersonating my timeshare company. I have spoken to Chase several times to resolve this for several hours. XX/XX/XXXX I was told it would be corrected after having a 3 way call with their fraud and dispute department. I received the credit on my statement, which was done twice erroneously, and corrected the next day. The correction, however, was done to both credits so I called again to have it reremoved and one person said it would be taken care of because she saw the error and had to transfer me to the right person to do so. That person then told me it showed I called to say the charge was valid which was both untrue and made zero sense. I have almost 20,000 in charges from XXXX XXXX XXXX and have no qualms paying for my legitimate charges but would appreciate assistance in getting fraudulent charges removed.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX XXXX XXXX XXXX XXXX  Tuesday on a recorded call I the consumer spoke to XXXX he tells me that he was instructed to not delete anything and continued to yell over me so I asked for a Supervisor.. " Supervisor '' Name XXXX she was really rude and didn't want to give a last name, I called to remove non mailable addresses and other inaccurate information that was being furnished on my consumer report. According to Experian website " Disputing personal information since names, addresses and employers don't affect your credit score, consider disputing only clearly INCORRECT PERSONAL INFO '' AND ACCORDING to Fair Credit Reporting Act 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. " Supervisor '' XXXX TELLS ME THAT LAW DOESN'T APPLY TO EXPERIAN and that the Companies that are reporting the information has all rights to do so, I then told her I didn't gave Experian any written instructions to repost this information she started yelling and talking over me saying they have the right to do so and Experian will not delete any information unless the companies that reported the information say so and I ask to speak to her boss she then told me she's the highest in the company and hung up,
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a XXXX XXXX from XXXX XXXX with Auto Acceptance. In XX/XX/XXXX the car was totaled by someone with XXXX XXXX. My Collision declared the car a total loss so a check was issued for the value. I also had Gap which should have covered the remaining. Auto Acceptance is still charging me the monthly payment of {$450.00}, reporting to the credit bureau, and sending emails constantly. This can not be right and/or allowed.
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 XXXXys XXXX 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 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 or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late Due to System Issue : My payment was made on time, but XXXX 's system delayed processing it. I have attached a copy of my bank statement showing the payment was initiated before the due date. 
Incorrect Reporting Due to Account Closure : The account was closed, and no further payments were due. Despite this, the payment was incorrectly marked as late. Attached is the communication from XXXX confirming the closure of the account with no outstanding balance. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i have a fraudulent account on my credit report.Please remove this account from my credit credit report XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate. This ground for removal they also violated my rights under. I have the credit report showing the inaccuracies. 

15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A 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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/2016 Balance : {$2500.00}
Product: Debt collection

I already have made a complaint, on XX/XX/XXXX, against two different Ceditors, Lending Club ( Original ) and XXXX XXXX XXXX ( Current Creditor ). 
The Complaint number, # XXXX. 
You have requested a Feedback on XX/XX/XXXX. 
Feedback was due on XX/XX/XXXX. 
I am sorry and appologize for being unable to make any feed back. 
I have another Threaten made by a Debt collector, " XXXX XXXX XXXX ", who made telephone calls, from # XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX. I contacted them and explined the Fraudulant account history and my Financial Hardship. 
Tehn, I received another letter from the same debt collector, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX., XXXX. OH XXXX. XXXX XXXX. 

I aleady have submitted the necessary information and documents, against this Faudulant transactions. I do hereby dispute this Credit Balance of {$5000.00}. 
The original creditor has misused my monthly payments made in XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting

On XXXX/XXXX/2015 an online dispute was initiated by me with Equifax, concerning a collection reporting by XXXX XXXX XXXX an amount of {$6700.00}. The investigation was completed by Equifax on XXXX/XXXX/2015. Only 2 days. This led me to believe that a proper investigation into the facts were not done by a human, and the results of this item remaining on my report were all computer generated. I filed a XXXX dispute via telephone on XXXX/XXXX/2015. I asked the agent if any documents were sent by XXXX XXXX XXXX to counter my arguments and documentation from the XXXX dispute. Her response was " NO ''. The agent also assured me that the collection agency will definitely be required to send documentation the next time. This XXXX investigation was completed on XXXX/XXXX/15, only 1 day. They claimed that the debt was verified, and remained on my credit file. I called Equifax again and requested the documents that were sent by the credit collection agency to disprove my information. The agent, ( who would not give me her last name, or the location of the office she was working out of ) informed me that I was not allowed to know what the collector sent to disprove my information. I then requested to speak to a Supervisor. I was connected to XXXX XXXX from the Equifax office in XXXX GA. XXXX XXXX XXXX told me that I was not allowed to know the information that was sent by Resident XXXX XXXX that supposedly countered my arguments for the incorrect reporting. He also said that his agents are trained not to supply a consumer with their last name or office location. I found this highly disturbing due to the fact that these employees had access to all of my personal information right at their fingertips. I also informed him that no documentation was sent by the collection agency to refute my claims during the XXXX investigation, and therefore the this negative information should have been removed. XXXX XXXX continuously insisted that the debt was verified and reporting correctly.
Product: Credit reporting or other personal consumer reports

Ijustrecentlylookedatmycreditreport.Isawsomehardinquiresthatdidnothavepermissiblepurposenorweretheyauthorizedbyme.thereforebeingaresultofidentitytheftIalsohaveevidenceandFTCreportdetailingtheaccountsinquestion.

15USCFair Credit Reporting Actanything furnished on my Consumer Reportmust have permissible purpose.

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.

AccordingtoUSC1681Estatesa consumer reporting agency prepares aconsumer report it shall followreasonable procedure to assure maximum possible possible accuracy of theinformation concerning the individualabout whom the report relates .Thisreportisnotaccurate XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am XXXX XXXX. I tried to get my private loan deferred, forbeared, or forgiven bit Navient gives me the runaround. Gave me the option for new plan but would not give me a reasonable date to pay. Now trying to default and cancel plan when I will have the money in 4 days.
Product: Checking or savings account

Wells Fargo Bank closed my account, citing unauthorized XXXX activity as the reason. Due to my XXXX account 's daily transaction limit of {$1000.00}, there are times when I need to make payments exceeding this amount, such as for my car payment or rent through the XXXX XXXX service at XXXX. I have receipts for these transactions, which I can provide. 
Previously, I would transfer money from my XXXX XXXX account to Wells Fargo XXXX. However, I recently discovered that my Wells Fargo account has been closed, and the XXXX XXXX has also been disabled for my XXXXXXXX XXXX account. 
I am filing a complaint against Wells Fargo Bank and the XXXX service through XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems reporting several inaccurate & old accounts on my credit report which should have never been placed on there. For one I never got a notice for any of these and they just place them erroneous accounts on my credit file. They should have never been sent to collections in the first place because I had/have insurance.

I have disputed this with ALL 3 Credit bureaus also and they are claiming they are valid and I demand to know how they got information showing it is valid because I would like to see that information!! They 100 % for a fact are not valid and they need to provide me this information or delete these accounts off my credit file.
Product: Debt collection

LVNV Funding LLC, which bought the debt from XXXX XXXX XXXX  more than 10 years ago received my info, incl. social security. I received a letter from XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, PA, XXXX XXXX dated XX/XX/year>. This is the same date I received a Dark Web Alert from XXXX XXXX ( free credit monitoring from XXXX  XXXX ), which said that my social security number was found on the dark web. About 1 year ago I was informed by XXXX XXXX that my cell phone number was on the dark web. 
I filed a FTC alert for possible identity theft. 
I live on social security and have XXXX FFELP ( XXXX  ) loans.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of a data breach or fraud. I demand verifiable proof, including my signature or electronic signature, for any alleged authorization of these accounts or inquiries. 

This letter is submitted on my behalf, not through a third party, and I request your careful review. I have never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX mandates the blocking of information resulting from a data breach or fraud. 
FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX  restricts the permissible purposes of consumer reports, which these inquiries and accounts do not meet. 
I have contacted the reporting companies and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized them, these accounts and inquiries are inaccurate and must be removed from my credit report. Their continued presence constitutes the unlawful reporting of my consumer information by creditors and/or third-party data furnishers. 

I request immediate action to investigate and remove these fraudulent accounts and inquiries. Please respond in a timely manner in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have been furnishing inaccurate information to my consumer report and un multiple occasions you have certified that the information been reported is a accurate and failed to correct the inaccuracies. I have attached a copy of the information been reported such as payment history and account closure date.
Product: Debt collection

I received a letter of debt collection from DIVERSIFIED ADJUSTMENT SERVICES, INC. on XX/XX/2022. The letter stated that I owed XXXX XXXX a debt of {$51.00}, for which they are collecting. 
I have never conducted any business with XXXX XXXX. 

I called DIVERSIFIED ADJUSTMENT SERVICES on XX/XX/2022, at approximately 4:30 pm to enquire what the Debt was for. I was told by a DIVERSIFIED ADJUSTMENT SERVICES representative that the debt was for a savings account I have with XXXX XXXX. I informed DIVERSIFIED ADJUSTMENT SERVICES that I have never conducted business with XXXX XXXX and do not have an account with them. 

I immediately called XXXX XXXX using the account number ( XXXX Account Number XXXX ) provided by DIVERSIFIED ADJUSTMENT SERVICES on the letter. 
XXXX XXXX representative said the account is under review for fraud and is suspended and that they would notify DIVERSIFIED ADJUSTMENT SERVICES. XXXX XXXX representative would not give a reference number as to the fraud investigation. He also stated that I should lodge a complaint with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still, this account is visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have sent my FTC report to them but still, nothing has changed. This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$43000.00}