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

In accordance with 15 U.S. Code 1681b ( a ) ( 2 ) XXXX, XXXX, and Experian are not to share and must remove XXXX Account no XXXX XXXX, soft and hard inquiries, student loan information, and previous address information pursuance to 5 U.S. Code 552 agency shall make available to the public information as follows : '' ... ( b ) This section does not apply to matters that are ( 4 ) commercial or information obtained from a person and privileged or confidential ". It is a crime to violate 5 U.S. 552 ( b ) ( 4 ). It is required that the aforementioned credit bureaus remove the aforementioned information 5 U.S. 552 require, as follows : " Any reasonably segregable portion of a record shall be provided to any person requesting such record after deletion of the portions which are exempt under this subsection. The amount of information deleted, and the exemption under which the deletion is made, shall be indicated on the released portion of the record, unless including that indication would harm an interest protected by the exemption in this subsection under which the deletion is made. If technically feasible, the amount of the information deleted, and the exemption under which the deletion is made, shall be indicated at the place in the record where such deletion is made. ". Consumer respectfully ask that the aforementioned credit bureaus do not share the aforementioned information because it's a 5 U.S. 552 violation. 

Respectively submitted, XXXX XXXX XX/XX/23
Product: Checking or savings account

I requested my early warning report and I realize some fraudulent accounts opened in my name. here are the list of fraudulent accounts opened in my name : Bank Name : XXXX  XXXX XXXX Account number : XXXX routing number : XXXX Bank Name : XXXX XXXX  Account number : XXXX routing number : XXXX
Product: Credit card

I had opened a {$300.00} secured credit card with Discover bank. Discover allowed a rental car company charge my card on XXXX seperate occasions to where it allowed my card to have a balance of over {$8000.00}. Why would I have a secured line of only {$300.00} and a credit card company allow it to get over {$8000.00}? They charged it off but it still says there is a balance. My problem is they should have never paid anything over the {$300.00} secured credit limit. They did, and made me responsible for the payment
Product: Credit card or prepaid card

XX/XX/21, unauthorized ach withdraw for XXXX XXXX Called to notify and get money back. They issued me a new card and said I half to wait 10 days for REFUND. Gave limited info on who took money. Only told me name XXXX, and last for numbers of account. 10 days past, no results. 
Feel no actions taken by bank.
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 confidentially under 15 USC 1681.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 or reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered upon checking my credit that my mortgage servicer ( XXXX XXXX XXXX has been incorrectly reporting to credit agencies that I am behind on my mortgage. Upon investigating, it appears they had taken my payments and wiring them out of my account into someone else 's account without instruction or authorization, or explanation. They initially did not provide an explanation of this, and I have spent over 2 weeks so far trying to get my money back, and late fees refunded. They manage the They have admitted to wrong doing on their part and that the mistake was theirs. Despite me flagging this as a problem, they continued to report derogatory data to credit agencies. I asked them ( on a recorded line ) whether I need to write a physical letter to them to serve as a " Qualified Written Request '' per RESPA section 6, and they assured me no, a phone call is acceptable.
Product: Credit reporting or other personal consumer reports

I sent a dispute to request that you guys verify information that you are reporting that I questioned on XX/XX/year>, XX/XX/year>, XX/XX/year> and still no response. I am aware of my rights to an accurate report as well as the 30 days allowed for investigation.
Product: Debt collection

I have been getting almost daily phone calls for months from some company called Portfolio Recovery Associates, LLC. They keep calling my number from many different phone numbers to prevent me from blocking them. I am on the National Do Not Call List and have reported them every time they've called my line. I am NOT in debt! I have received several calls from debt collectors for someone named XXXX XXXX XXXX, who I assume used to have my landline number. I've had this number for almost 3 years though, so if that's who this PRA outfit is trying to collect from, their info is years out-of-date. I emailed them directly and also contacted the XXXX  about this company and their harassing phone calls, which they forwarded to PRA, but the calls continue. I got one today. They call morning, afternoon, night, weekends, holidays, whenever, starting at XXXX XXXX. I just mailed them a cease-and-desist letter. I don't know who they think they are calling by calling my phone number, but I've told them plainly they are calling the wrong number!! The FTC should have all the reports I've filed with them about this unethical company and their repetitious, annoying calls to my home. They don't care that I'm on the Do Not Call Registry, that's obvious, but maybe the Attorney General of SC will make them care.
Product: Money transfer, virtual currency, or money service

this happened well over a year ago. when I was scammed for over XXXX  dollars. Basically I put in the wrong amount. And wasn't notified until just a couple minutes later, when I confronted the person I sent the money too, they claimed they did not receive that type of money, even though I had the receipts to prove it. So I call my Bank that same day to tell them what had happened, they reviewed my claim and they said that there was nothing they can do because I had already sent the money. Then they proceeded to restart my account for " privacy and safety '' reasons, which then cleared all of my Zelle transactions history including the fraudulent Zelle transaction. At the time of this transaction, I was not provided with a " are you sure this is the right amount or person '' prompt.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems has a broken online system. I told them that they reported my account was closed at XXXX in which I don't consent to ChexSystems storing my information ever. Similarly, when I go to their website, the website doesn't work properly. The individual on the phone on XX/XX/XXXX hung up on me and refused to help. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to formally dispute inaccuracy in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the inaccuracy in my credit report that require immediate correction or deletion XXXX XXXX XXXX : {$4600.00}
Product: Debt collection

Southwest Credit Systems, L.P. sent a notice on XXXX that we owe XXXX XXXX {$1600.00}. This amount was already paid for prior to us moving into a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Product: Checking or savings account

In XXXX my great grandmother died and left each of her great grand children {$500.00}, my grandfather set up 5 identical trust savings accounts at chase bank for each grandchild. No money was allowed to be taken from these accounts until the grandchild reached age XXXX. I have been getting bank statements since XXXX showing that {$5.00} has been taken out of the account every month for service fees. I finally got to go to chase bank to try to figure out whats going on because no one is allowed to take that money out but me when I turn XXXX. My account that started out with {$500.00} in it is down to {$110.00}. Chase bank said that someone wrote a check to XXXX XXXX in XXXX for {$230.00}, which is insane because seeing as how this is a trust savings account with NO checks linked to the account, and because that money is not allowed to be touched without a court order not to mention I was only XXXX in XXXX and couldnt even authorize money taken from the account even if I wanted to. I did not write the check in XXXX, so this is a fraudulent charge. Chase bank just got back to me today and said they will NOT be giving me back the money because its been more than 60 days since the initial fraud occurred. Theyve taken almost {$400.00} of my inheritance from my great grandmother and refuse to give it back. Seeing as how that is my inheritance money and I did not write the check in XXXX, I just want the full {$500.00} that was in the account restored. I am unsure whether or not they are still taking money out of the account. None of the other grandchildren have had this issue, and they even got interest added into their accounts. I simply want the money that was taken from me back in the account so I can pull it out and put it up for future use.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  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: Student loan

In XXXX when I made this loan they never told me at school ( XXXX XXXX XXXX XXXX XXXX XXXX ) that it was a private loan, honestly never, I accepted the loan thinking it was a student loan from the federal government, at that time I did not know XXXX and everything was handled by the representative in the financial service area, when I realized the situation it was too late, I was already involved in debt, I always regret not knowing XXXX and that the financial representative had deceived me. When I complained to the institution they said it was a student loan but private, at that time I was still confused. Years have passed and I have been very responsible with the loan, I have had my payments up to date, at some point I had to defer payments and I also had to participate in programs to reduce the interest on the loan for several months to be able to pay it, but I feel that this loan is not going anywhere, I feel that the financial institution ( Navient ) has handled this loan in an incongruous way, starting with the representative in the financial services area at the school who did the entire process in a deceitful way so that I would enter that XXXX XXXX XXXX XXXX XXXX, that was the first year that the school was offering the program in XXXX and they were doing a lot of things wrong in order to get the money from the students or the interested people.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my credit report, I have found certain information that should be excluded outlined in 15 U.S. Code 1681a ( 2 ) ( A ), ( B ) and ( C ). I believe that any information about a transaction or experience with companies, can not be include on a consumer report and must be removed. 

XXXX XXXXXXXX XXXX XXXX account # XXXX opened on XX/XX/2020 XXXX XXXX  Unsecured loan account # XXXX opened on XX/XX/2020 XXXX XXXX XXXX Auto Loan account # XXXX opened on XX/XX/2020 Under the Gramm-Leach Bliley Act, the consumer must be given the chance to direct whether they want the information about a particular transaction to be reported or not. This is referenced in 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ). Furnishing any information on my credit profile without my permission, constitutes as identity theft and is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681b ( a ) 3 ( f ) ( i ). Also not maintaining a joint notification system amongst all consumer reporting agencies is also in violation of 15 U.S. Code 1681b ( e ) ( 6 ).

Failure to respond satisfactorily with the removal of the above referenced accounts, and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for willful noncompliance which I will be seeking {$1000.00} per violation for : Defamation of Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations. Reminder under 15 U.S. Code 1681o you must comply with my instructions within 5 days. Additionally, continuing to show the information on the consumer report is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) of FCRA.
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate information on credit report. I received a copy of my credit report and found the following item ( s ) to be in error : BANKRUPTCY REFERENCE # XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and deleted from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of your receipt of this letter and update my account as necessary. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months, including XXXX, Experian and XXXX. Thank you for your time and help in this matter. 
XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX : XXXX ProCollect 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 an account without my written instructions. 
I tried to fix this issue with the creditor and the information provided by the creditor is not belong to me, please see the attached file and review all the highlighted information my First name is not XXXX XXXX XXXX XXXX XXXX XXXX XXXX'. 
on the contract agreement paper is not my handwriting, this company has violated my right. 

This is the tracking : XXXX XXXX XXXX XXXX XXXX of the first letter I sent to them to provide proof of the debts that reported on my credit report.
Product: Student loan

I was recently informed of an ongoing lawsuit against Citibank Private Student Loans regarding their practices. Back in XX/XX/2017, my daughter submitted a Co-Signer Release Form to release me ( Her Mother ) of any financial obligation due to her having full-time employment. Not only did I not get released, but apparently, I am showing a derogatory mark on my credit report. The loan was removed from my daughters name and apparently put into mine. My daughter has since pulled her credit report, and the student loan is not showing. Its on mine showing closed. Neither my daughter or myself got anything from Citibank explaining the situation or have received any statements. This was also during a time that Citibank sold their student loans to XXXX. We have paid off the XXXX Loans. This is apparently a part of the suite that is against Citibank mishandling their Private Student Loans. We also found out that my daughter was eligible to claim her interest, when they told her she was not. 

I would like a response from Citibank as to why an unsettled balance I s showing on my credit report as the co-signer, but the student loan shows transferred and paid on my daughters credit report. And why we have not received any statements or other paperwork explaining. Im hoping to get legal assistance with this, but thought I would try here first.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022, to remove personal information that I do not want on my credit report. Here is my tracking # XXXX. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my credit report onXX/XX/2024 and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act 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 according to XXXX XXXX XXXX ( e ) ( b ). According to XXXX XXXX XXXX 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. and according to XXXX XXXX XXXX, they are supposed to 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.