23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

When accounts are reported as being sent or sold off to a debt collector, they are considered to be in " collections. '' This usually occurs when a creditor is having difficulty collecting payments on a debt. A collections account will typically stay on your report for about seven and a half years from the date it first became late. 

According to this statement " seven and a half years from the Date it FIRST BECAME late. Applies to me in this case
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  XXXX Paragon Revenue GR added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research the accounts was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

Hello, the amount of XXXX dollars was stolen on XX/XX/XXXX, from my Key2Benefits Prepaid Debit Card. I reported to the bank right away about those unauthorized transactions. 
On XX/XX/XXXX I received a physical letters that it was confirmed, the money was stollen according to them and the money will be returned on my account, I just have to wait for a new card for two weeks ( I have those letters on my hand ), in the end Customer Support told me that the card was not even sent and then they said that the account was closed by XXXX. 
I contacted the XXXX they told me that account was closed because of scam activity and I have to receive refunds from Key Bank by check or direct deposit. 
Then I called again to Customer Service and they said that the check was sent on XX/XX/XXXX and I have to receive it in 10 business days, but I didnt received any letters .Then I called again and they said that the check was not even send, my question was when its gon na be send? Nobody cant answer me on this question already for tree months .Today is XX/XX/XXXX, I was contacted the supervisor of Key2Benefits Bank again, and the lady XXXX told me, that since I updated my physical address, which I did on NDOL on XX/XX/XXXX they still can not see my new address on file and that's why they can not issue a new check, witch is ridicules because I conformed with XXXX five times that they have my new address on file. I asked to send the check on previous address or where I got the latter from KeyBank on XX/XX/XXXX or make a direct deposit but they told me that they can not. As well I send them the proof of the new address on email and fax, and I have all confirmations that they recived it. 

I just wan na get those fands back. 
I was speaking to supervisors every day and they cant solve my problem and give me some answers. 
Can somebody help me what I have to do in this situation? 
Best regards. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting the bureaus to look into this matter as required to do so under the FCRA but my request seems to be ignored. The following accounts that continue to cause damage to my personal file are : 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$0.00} XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( 3 ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX - reported bal {$260.00} Credit Collection Svc - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX XXXX # XXXX - Reported bal {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX     I filed a complaint with cfpb regarding medical debt that continue to reappear on my credit report. After my complaint with cfpb the medical debt reporting on my credit report was removed in  XXXX  now again in  XXXX  it has reappeared back on my credit affecting m y credit score and sho wing closed in collections. On my report that I filed with cfpb the company said they would remove it from all credit reporting agencies and even though it was removed  XXXX , TransUnion, and   XXXX   are reporting it again in  XXXX . My file number with cfpb that states this will be removed from all reporting agencies  XXXX .
Product: Debt collection

I reported this organization in a previous notice to you earlier this year, as a sub-collector on another bill. This one in particular is the same type of situation, in that I never received an original bill, nor any follow-up past due notices, around the time of service. Evidently, the organization ( XXXX XXXX XXXX ) sold accounts to XXXX XXXX who is attempting to collect through Phoenix Financial. As in the other cases, I do not believe I should be responsible for this charge, due to what I've already said and the fact that it's been almost three years now. Another point is that they're using my street address when I actually have a PO Box that is my official address. All other legitimate creditors and organizations, such as the IRS, my bank, DMV use the POBox. I would appreciate this being written off and closed from my credit report as I paid my portion of bills that came from other providers around the time services were rendered. Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Actions Taken : sent companies identity theft, affidavit report, police report filed with the XXXX Police Department for fraud with all fraudulent accounts added to report. 

Spoke with representative XXXX XXXX from XXXX on XXXX XXXX they agreed to remove the fraudulent accounts, but they have yet to do so. 

Spoke with representative XXXX XXXX XXXX XXXX from Lending Point LLC he told me the account was taken out in my name by a XXXX XXXX XXXX. I do not know who they are nor did I authorize them to use my information to take out any type of loan. 

The loan that was taken out were done online electronically from Lending Point LLC by XXXX XXXX. My name is XXXX XXXX XXXX, XXXX.
Product: Student loan

This is from XXXX and closed in XXXX now today it is on my credit report with extra money and decreased my score XXXX points I will like it removed it is past the statue of limitations it been over XXXX years.
Product: Checking or savings account

I am writing to file a complaint a complaint against Navy federal Credit Union regarding multiple overdraft fees I have occurred within my multiple accounts. ( XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX ) .MyXX/XX/XXXX account was closed as a result of this. Despite having sufficient funds when transactions was authorized, I was charged fees due to LAGGED posting of charges and credits. This issue aligns with the recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of multiple times that I am asking for investigation of these items on my credit report, it is in violation of federal law. Please check or investigate these unverifiable items and fix it immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX Account 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. 


XXXX XXXX $ XXXX XXXX XXXX {$750.00}. XX/XX/XXXX XXXX XXXX. {$1400.00}. XX/XX/XXXX XXXX  XXXX XXXX. {$1800.00}. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking advantage while several laws were being broken under the FCRA by your company. This has cause my financial injury, Defamation of character, i couldnt get a job, apply for credit. You have hurt my ability to obtain credit. Below are the list of inquiries i request to be removed. 

XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Financial )
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 XXXX XXXX XXXX. 

XXXX  XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX ( XXXX Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX FOR XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am unable to withdraw from my Credit Karma spend ( checking ) account, with no explanation as to why. The support team said they could see the decline, but could not explain why the declines are happening. They tried offering workarounds ( use the virtual card, wait a few minutes and try again, etc. ) which all either did not work or are not options. I received no notification of the decline for verification ( such as if they declined it for suspected fraud ), no option to verify the payment, and no information in the account portal on the decline. The withdrawal attempts are well within their daily limit of {$5000.00}.
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 acct # XXXX XXXX  acct XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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: Money transfer, virtual currency, or money service

I simply need Access to my robinhood account, they are none existent when needed.ive tried for last 5 months to access my account and them. 
No nothing from them., I'm going to the XXXX next. 
They are responsible for any losses that occur since I been trying to fix this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX acct # XXXX is inaccurately / inconsistently reporting data on my consumer reports. This is negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. I want these damages to END!!! 

Inaccurate/inconsistent on EXPERIAN and XXXX and XXXX. 
The statuses on all 3 reports do not align. The account was closed ( NOT CANCELED ), and was paid AS AGREED UPON.

The balance update dates are inconsistent on all 3 agency reportings.

Further, the payment histories are collectively misrepresented in their reporting, and also negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. The account is CLOSED therefore NOTHING is late WHATSOEVER. 

I have attached screen shots of all the discrepancies, circled. 

15 USC 1681e states : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681i states : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate 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 of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681n states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

PLEASE UPDATE ALL STATUSES TO PAID AS AGREED AND CLOSED. 
PLEASE *** DELETE *** PAYMENT HISTORIES.
Product: Student loan

XXXX denied an IDR application I submitted two times, each time acknowledging they had made an error and promising to submit it correctly. 

XX/XX/XXXX Submitted IDR application. 

XX/XX/XXXX XXXX XXXX XXXX believes the XX/XX/XXXX letter in the mail was sent in error and I do not need to re-certify by XX/XX/XXXX, which is why my IDR application was denied. 

XXXX put me on hold and discovered that because I had changed my due date in the summer of XX/XX/XXXX, I am still due for recertify. She stated she will submit for review and the person who had processed my IDR saw the wrong date so denied my IDR application. When I changed my due date in the summer, I still had 6 months of the 12 months which would be now. She will submit the application for review again. 

About a 30 min. phone call. 

XX/XX/XXXX XXXX - sending me to a specialist, I waited 10 mins to speak and I will have to wait another 5-10 minutes. 

XXXX-I had to ask for her employer id. 
Placed me on hold for more than XXXX minutes. 

The second IDR request submitted for review was denied because the person assumed that I was doing it too early ( Similiar to the first denial ). She had someone come and look who processes IDR application since she does not. They will try to process it by the end of the business day today. 

Again, a phone call of at least 30 mins.

XX/XX/XXXX XXXX Called to follow-up on my application status since they stated it would be processed on XX/XX/XXXX. He noted it shows an expedited app. process on XX/XX/XXXX He is going to one of the processors to see where it is on the cue. He stated it will take 3 days, maybe up until next week due to the snow storm. 


XX/XX/XXXX XXXX - I called because my IDR application should have been approved, not denied, again. She said it was not her department. I said I wanted to file a complaint and she said she would transfer me. 

Did not get this employer ID #. 
She apologized for my application being wrongly denied. She stated she will personally have it done by today and by Weds. morning I should have something in my inbox. 


The same application I had submitted on XX/XX/XXXX was finally processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''