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

I sent a letter on XX/XX/2022. I told credit bureaus to " investigate every piece of information '' on the accounts i have listed below. 
According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which the 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 whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. Also I attached copy from credit bureaus so you can see that nothing matches, Last balance update is different, minimum payment is different in each bureaus, date open different as well. 
THESE ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORTS AS LONG AS THE INFORMATION IS INCORRECT. 

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

In accordance with the Fair Credit Reporting act, these following accounts have violated my rights : XXXX  XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

In the early spring, not sure of exact date, could of been XXXX. I made an online purchase with my XXXX credit card. In approxiately XXXX I recieved a bill for the purchase. I called XXXX XXXX XXXX and told them that I had never recieved the merchandise. The young woman said that I did, that it was delivered by XXXX  XXXX I disagreed and she insisted I was wrong. She then read the address. It was XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I told her that I no longer lived at that address. I sold that house in 2019. She then said, and I quote " Why don't you go knock on the door and ask them for your package " I was stunned. After recoverying I said " I would never do that in a XXXX years ". I would like to point out that I am XXXX XXXX XXXX next week. Have no idea who lives there anymore. And I do not thing I should have to track down the merchandise. I heard nothing else from XXXX and then started getting outrageous late fees. I don ; t think I should have to pay for something I did not receive.Plus they have ruined my Credit Rating. I have had a credit rating in the XXXX 's for years, it is now in the XXXX 's. Thank you for listening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/identity theft and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I have paid the money for the ticket to the concert to a person via PayPal, but he has never sent me a ticket. He is a scam and fraud. I want to request a refund, but PayPal doesn't provide refunds on those transactions. The transaction was on XX/XX/XXXX, the amount is {$42.00}.
Product: Credit card

Back when I was younger, I missed a payment or went over my available credit once or twice on my Bank of America credit card. They hiked my interest rate up to XXXXXXXX. I have been paying in full, never going over limit, and keeping my credit card in good standing for the last 3 and a half years and the company refuses to drop my interest rate or increase my limit.
Product: Student loan

Discover Student Loans continues to harass me for payments that I am unable to make, and has provided no manageable repayment options that fit my financial needs. I took out a small student loan of about {$13000.00} with Discover to supplement my federal loan package in order to complete my XXXX XXXX XXXX. Unfortunately, I finished my program at the same time the XXXX pandemic was starting, and I have been unable to get a job in my field of study to-date. I have explained this to Discover Student Loan representatives, they offered me a 6 month period of forbearance, and informed me that they would re-evaluate my repayment options once this period ended. When the period ended, they did not offer me any repayment options that were matched my financial circumstances. They told me that I could opt for interest-only payments, but this was still above $ XXXX, and I told them I do not have any disposable income to allocate for this. My financial circumstances are such that I am currently receiving food stamps and XXXX in order to make ends meet. I have had this conversation with multiple representatives from Discover Student Loans, and they apologize but tell me there are no other options. They continue to call me from various phone numbers multiple times a day, including weekends -- I have received calls even while attending church on Sundays. I have asked them to stop multiple times, telling them that I can not make payments and their harassment is causing an undue burden of stress that has severely impacted my mental health and job search ability. They do not care and I am left feeling hopeless with a useless XXXX XXXX and a private student loan that has ballooned to almost {$20000.00} with all of the late fees and accrued interest.
Product: Credit reporting or other personal consumer reports

I went over my credit report ( XX/XX/year> ) and noticed inaccurate information reporting on my credit. My credit report is reporting I was late for an car loan account which I was never late for. I reached out to the creditor as well as the credit bureaus and requested material evidence supporting that I was ever late for this account. I asked for proof via statements, late payment warnings, anything that can validate this inaccurate information reporting on my credit report which nothing has been supplied by neither creditor or credit bureaus. I really feel as though the credit bureaus are neglecting their responsibilities under the FRCA as far as investigating and substantiating the errors and the consumers are suffering as a result.
Product: Student loan

I took out private student loans for graduate school through XXXX, serviced through American Education Services ( AES ). I do have a full-time job in my field of study. However, I have had financial difficulties arising from a stagnant salary and no cost-of-living raises in 9 years since graduation. AES offers only time-limited alternative repayment options, i.e. six months to a year of forbearance, or three months of reduced payments ). Once you use those up, as I have, they offer no further options, or so they claim. I am told that I have no forbearance or deferment possibilities left, as these are private loans and AES is not legally required to provide more options. My attempts to explain my financial situation and explore other options fall on deaf ears. I am currently only 2 months behind payments, yet my account has already been sent to a debt collector. Consequently, my credit score in barely above XXXX. ( My account has been in collection before, at least 5 times in as many years ). " Customer Service Representatives '' either can not or will not help ; are often rude, and often give out false or misleading information. I once complained to AES about their daily phone calls, to which the CSR snapped, and I quote, " Then pay your bills, sir! '' Attempts to speak with a supervisor are met with evasion, being put on hold for 20 minutes, then cut off. I receive daily phone calls from both AES and the debt collection agency, which I have given up answering since they refuse to work with you or offer other options. ( I strongly suspect other options are actually available but AES will not admit to or inform customers about them ). Even if you submit partial " good faith payments '' ( AES 's term ), they STILL badger you by phone, email, and snail mail. I am at my wits end, and have had no luck finding anyone who will help me consolidate my private loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureau is reporting inaccurate information on DISCOVER FIN SVCS LLC ( Account number : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I fill a form in the TransUnion website to get my credit score. 

As specified in the XXXX XXXX  website, it was supposed to be free : XXXX XXXX XXXX XXXX XXXX  " You may pay a fee to order your credit report online if you want to see it right away. TransUnion allows you to order your credit report online once a month for free. '' However, I have been charged XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had an account with Mobileloans and they collected on loans that had already been paid off.
Product: Checking or savings account

XXXX or XX/XX/year> I went to cash a check at Chase Bank for {$710.00}. 

This check took maybe two weeks to receive from my employer.

Then it took maybe another two weeks to a month for XXXX to release the funds to me. 

They placed a hold on the check and when I went in person to find out why they said it would take 3 days. 
I went a second time or the same time and attempted to speak to an banker and they said everything had to be done over the phone they could not cash my check in person once it had been initiated via mobile deposit. 

This was my last paycheck when work had slowed during the pandemic. 
I want to understand how a bank can not help a customer in person or offer a phone to the customer to resolve these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below have 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 15 U.S.C 1681 Section 602 A. states that 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 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 and any other adverse item of information, other than records of convictions of crimes which antedates the repot 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

The payment amount changed again, and upon changed i called and confirmed the additionl payment amount due well prior to the due / late charge date. I believe XX/XX/XXXX. 
I made a XXXX payment XX/XX/XXXX on amount due XX/XX/XXXX. Then addional XXXX within the grace period. 

They are posting the payments to priciple & not the actual payment due. Thier representitives our misinforming each and every thime I have called them. They are indicating my additional payments are sufficient to cover my monthly obligation as they all have been well above minimum payment amounts, yet they have ruined by credit report. 
today they have informed me via telephone i cant pay prior to 30 day payment due date. Although every call prior they claim my payment schedule was ok, and i need not worry about any report, or late fee!. There have been not late fee charges as the payments have not been late. 

this whole matter is far to confusing to any consumer, and thier call center reps are as confused as the cunsomers when on the phone. This whole thing is obserd
Product: Credit reporting or other personal consumer reports

I am writing to inform that i was never provided a copy of the privacy notice that Transunion, XXXX and XXXX are required to provide to me under XXXX XXXX XXXX before they disclose any nonpublic personal information about me to any nonaffiliated third party. 

I am also writing to exercise my right to opt out of any such disclosure under XXXX CFR XXXX ( a ). I do not want the credit agecies to share any nonpublic personal information about me with any nonaffiliated third party, unless it is permitted by the exceptions in XXXX, XXXX, and XXXX. 

Furthermore, according to the Privacy Act of 1974 ( XXXX XXXX XXXX XXXX ) the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. This includes consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail a dispute validation letter on XX/XX/2022 for an alleged debt for child support to Equifax in XXXX GA the credit bureau received it on XXXX XXXX. I called today XX/XX/2022 to inquire about the dispute letter to verify if they received and the agent I spoke over on the phone verified Equifax indeed received it XX/XX/2022 and he said an agent looked at the dispute letter and I asked what investigations are they taking to investigate and validate the child support debt that is on the credit report but he stated that the validation letter I sent to them does not specify the exact account in dispute but on the letter I clearly stated that it is an alleged child support debt that is the fact on the credit report but Equifax claims because it does not say Texas attorney general child support but the CHILD SUPPORT AGENCY are in contracts with the state and further more the CHILD SUPPORT AGENCY are single and when contracted with a state they are single and separate unit in the state, and Equifax by law have to validate the debt and verify and investigate the dispute and the agent refused to his job to investigate and refused to erase it from the credit report. Equifax are not investigating the dispute letter I sent to them and they need to there job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint against XXXX and XXXX on reporting information incorrectly and the issue has not been resolved. I have contacted the credit bureaus and made sure they had my personal information which they stated they needed my address in order to correct inaccuracies. While looking at my credit report I noticed the following accounts had a discrepancy in the account status. The accounts are reporting as open which obviously an account that has been sent to collections should not be listed as open and is not under FCRA compliance. Because of this apparent neglect in assuring everything in my credit report is accurate, consistent and up to date please delete these items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A cease and desist debt collector letter was sent to Aidvantage by US certified mail on XX/XX/year> ( delivery signature XXXX ). I requested a copy of the original contract and verification of debt with a wet-ink signature. Aidvantage failed to provide requested valid documents.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Equifax regarding unauthorized credit inquiries that have appeared on my credit report. After reviewing my recent report, I identified several inquiries that I did not authorize and have no knowledge of. Despite contacting Equifax to resolve this matter, these inquiries remain on my report, causing significant frustration. The unauthorized inquiries in question are as follows : Disputed Inquiry : 1. XXXX  - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX  - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX  - XX/XX/XXXX 6. XXXX  - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX - XX/XX/XXXX Attached to this complaint is an Identity Theft Report FTC Report Number : XXXX filed with the Federal Trade Commission ( FTC ). This report, along with the corresponding case number, supports my claim regarding the unauthorized credit inquiries on my credit report. I kindly request that the necessary steps be taken to address this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your prompt attention and review of this document as part of the investigation. I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove these inquiries from my credit report, even after I brought the issue to their attention. 
The sections of the FCRA that support my claim are : Section 611 ( 15 U.S.C. 1681i ), which outlines my right to dispute inaccurate or incomplete information. I have disputed these inquiries, but Equifax has not conducted a satisfactory investigation. Section 609 ( 15 U.S.C. 1681g ), which grants me the right to access my file. Upon reviewing this information, I confirmed that I never authorized these inquiries.

Section 604 ( 15 U.S.C. 1681b ), which details the permissible purposes for credit report inquiries. I did not give consent for these inquiries, and Equifax has not provided evidence of a valid reason for them. Despite my efforts to resolve this directly with Equifax, these unauthorized inquiries continue to negatively impact my credit report. I request that the CFPB intervene to ensure Equifax fulfills its legal obligations under the FCRA by removing the unauthorized inquiries and providing me with an updated credit report. I appreciate your prompt attention to this matter, and I am happy to provide any additional information needed for your investigation. 
Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA
Product: Money transfer, virtual currency, or money service

the teller XXXX managed the SSN on the computer, then ask for my SSN on drivers license, there is not a SSN on driver license and then entered the wrong SSN again. So I gave the teller a XXXX driver license with a SSN and was dumfounded about the subject. Then the teller asked me to input XXXX to key pad and found out that the key pad and the XXXX computer were not running on same program. After all this was over the branch XXXX told me that XXXX  I.D . is ok and all she needed was a picture ID, so I asked if a fire dept ID was ok, no because its not government, so I was shown a program on the computer but it had no XXXX ID on it, and when question about no answer was made to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The list of accounts below have violated my federally consumer rights to privacy and confidentially under USC- 1681. 
XXXX, XXXX in the amount of XXXX. XXXX in the amount of XXXX this is not even my account long with the other accounts on this list. I've been trying to get these things off my credit report for a long time. I've even hired other companies to help me get these items deleted off my account. I'm XXXX almost XXXX and I've never been able to use my own credit because since i can remember someone lots of someone's have had their hands on my information. lots of people i don't even now in states I've never been in before I don't know how this happens and its sad it does. Sorry back to my list XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX in the amount of XXXX XXXX XXXX SERVICES IN THE AMOUNT OF XXXX, CREDIT XXXX XXXX XXXX XXXX THE AMOUNT OF XXXX, XXXX XXXX SERVICES XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK AMOUNT XXXX. XXXX XXXX XXXX. Like I said i hired other companies like XXXX XXXX and the XXXX Pros to help me remove these items and trust you me the process is way to slow I would like to buy a house and marry my sweetestlove. o yea XXXX more XXXX This was a scam i took all the paperwork text messages everything i had into them. Please help me 15.6.S.C 1681 Section 602 States i have the right to privacy 15 USC SEC 604 A It's also stating a consumer reporting agency can not furnish an account without my written instruction. 
15USC.1681c ( a ) ( 5 ) Section states XXXX XXXX XXXX XXXX XXXX take any consumer report containing any of the following items of information any other adverse item of information other than renounce of conviction of crimes which antedates the report by more than XXXX. 
15USC .1681 2 ( A ) ( 1 ) A person shall not furnish any information relating to a to a consumer to any other consumer reporting agency if the person knows or has a reasonable cause to believe that the information is incorrect. or inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Publishing collection account information on my report that's a part of identity theft. Transunion, and XXXX.