23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Fedloan Servicing : Refusal to process Income-Driven Repayment ( IDR ) and Arbitrary " Administrative Forbearance '' XXXX - XXXX/XXXX/2016 for Account # : XXXX. 
Loan Program ( s ) : XXXX, XXXX, XXXX. 
Additionally refusing me consider for Loan Forgiveness although I work for XXXX. In addition to the XXXX programs. 
All letters reference below can be provided. 
~I have provided Fedloan Servicing with the information that they requested - consistently. And, every time you receive the information from me you come up with yet something else that you say is needed referenced by letter from Fedloan dated XXXX XXXX, 2016. 
~I qualify for the " IDR '' and Loan Forgiveness as well but you have denied me this right again ; reference by letter from Fedloan Servicing dated XXXX XXXX, 2016. 
~Fedloan has place me in " Administrative Forbearance '' that I did not request which will cause me eventually to owe more ; reference by letter from Fedloan dated XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

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

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

On ( XX/XX/2024 ), I sent a letter to ( PORTFOLIO RECOV ASSOC ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( PORTFOLIO RECOV ASSOC ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XX/XX/2024 ), along with an updated FTC identity theft report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. These late payments are dramatically hurting my credit score.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, all information furnished to credit reporting agencies must be complete and accurate. I formally request that you : Provide proper verification of the late payments, including the original creditors documentation confirming these delinquencies ' accuracy and reporting dates. 
If you are unable to verify this information with proper documentation as required by federal law, I request the immediate removal of all late payment notations from my credit reports with all reporting agencies. 

Additionally, I would like to point out my commitment to maintaining a positive credit history. Aside from these isolated late payments, my account has been managed responsibly. Given this, I am also kindly requesting, as a gesture of goodwill, that these late payments be removed. Such an adjustment would better reflect my overall payment history and allow me to continue building a strong financial profile. I will also attach my credit report, and you can see all the inaccuracies in each bureau
Product: Checking or savings account

A company that XXXX XXXX out of state received a bank check from JP Morgan chase in XXXX XXXX XXXX ( copy of the check attached ). I took a copy of the check to a Chase branch and asked them to re-issue in XXXX. Now we are almost in XXXX and the check hasn't been re-issued. I asked JP Morgan to put me in touch with the executive office and they have not obliged.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 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. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Recently I reviewed my credit reports and notice there was some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have noticed a social security number that is not mine. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. If the account can not be verified, your company must delete the account from my credit report.ACIMA CREDIT XXXX XXXX  # XXXX, XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX I # XXXX, XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

0n XX/XX/XXXX i went to the dealership to lease a vehicle under my company 's business I GAVE THEM MY CREDIT REPORT ALONG WITH MY COMPANIES INFORMATION. 
THEY HAD NO RIGHT PULLING A CREDIT REPORT WHEN I ALREADY GAVE THEM MY REPORT. 
A MONTH AFTER I RECEIVED THE VEHICLE, I NOTICED THAT DEALERSHIP WHICH IS XXXX OF XXXX XXXX XXXX XX/XX/XXXX ) AND XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  ) THEY WERE NEVER AUTHORIZED XXXX PULL MY CREDIT REPORT NOR DID THEY HAVE CONSENT TO PASS MY INFORMATION TO A THIRD PARTY EXPERIAN SENT ME A LETTER ( SEE attachment ), STATING THE INFORMATION IS ACCURATE WHICH IS FALSE. AND THEY NEVER SENT EVIDENCE TO PROVE I AUTHORIZED THESE INQUIRIES. 
I ALSO SENT A LETTER TO THE LENDER ( SEE ATTACHMENT ), LETTING THEM KNOW I NEED TO SEE EVIDENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the government loan accounts with the credit bureau for several attempts, to no avail. These accounts should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report.. CFPB please do something to fix this up.. XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX-XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # : XXXX Balance Owed : {$1500.00} XXXX Account # : XXXX Balance Owed : {$440.00} XXXX Account XXXX : XXXX Balance Owed : {$25000.00} XXXX  Account # : XXXX Balance Owed : {$6700.00} XXXX  Account # : XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$270.00} -- -I have submitted my dispute letter for these accounts as I believe these are inaccurate but I have not received any results from the credit bureaus. It has been more than 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I was looking at my credit report. I noticed a few inaccurate information on my credit report on XX/XX/XXXX. The following inquiries I believe to be fraud as I never authorized them to run my credit or gave anyone permission to run my credit. I have no accounts with these people. XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX. Again I never signed anything with these companies and would just like this removed so my credit is accurate. I also have a XXXX XXXX account that I was late once on XX/XX/XXXX. The customer service rep said they would remove it back in XX/XX/XXXX as a common courtesy but from looking at my score it appears was never removed. I also have another late fee from XXXX XXXX back In XX/XX/XXXX and they also they said they would remove it since I've since always paid on time. The reason I was late with those cards was because while working for XXXX XXXX  at the time I had got injured on the job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX NAME : XXXX XXXX XXXX PUBLIC RECORD : XXXX XXXX  Bankruptcy XXXX INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, IL XXXX Date XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, IL XXXX TRANSUNION NAME : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RECORD : XXXX  XXXX Bankruptcy XXXX INQUIRIES : XXXX XXXX XX/XX/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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX FACTUAL XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

XXXX XXXX rented or leased me a storage unit that leaked water during rain. 

When discovered, I moved out of unit. 

XXXX XXXX notified me that I still owed {$140.00} for being in leaking unit ( 2 ) days of the following month. 

The debt was turned over to a collection agency named, AlliesInterstate, LLC. 

Upon contact with this agency, I was offered a {$70.00} payment to settle the {$140.00} claim and I accepted and paid by credit card. 

Upon renting another unit at XXXX XXXX, I was required to pay the remaining {$70.00} of the {$140.00}. 

AlliesInterstate lies to me and misled me as to the settlement terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal information that the credit bureaus is reporting is incorrect! I have sent out several letters to each bureau in regards to this matter please delete from my report. 

The only information that should be on my report is Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, tx XXXX Birthdate : XX/XX/1993 No other name, previous addresses and birthdates. I do not associate with any additional information they have on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

My friend paid over {$1000.00} to XXXX XXXX for a loan mod. XXXX XXXX kept the money and kept getting her to pay more money to do things that the initial payment was to have taken care of. By the time her loan mod had been completely refused she had paid over {$2000.00}. From others in our community, its been learned that XXXX XXXX regularly pockets a lot of the money that she claims to used for the loan modification process. And end the end most have still ended up being referred by XXXX to Atty. Roberts to try to fight the foreclosure process. It truly seems that Atty. Roberts has no idea what XXXX and her friend Atty. XXXX XXXX are doing. This is how XXXX and XXXX were able to go behind the back of those at Roberts Law and take control of a loan modification contract that use to belong to the main attorney. XXXX has taken thousands of dollars from the law firm. My friend use to go to the law firms office numerous times trying to get her loan modified. She witnessed that a man named XXXX had to pay his own fees on a pleading necessary to get out of jail because the firm had no money in the escrow account. XXXX kept a check the the owner had given her to deposit into the escrow account. Between XXXX and XXXX it is a wonder that the law firm is even in business. I attempted to go to the Georgia bar directly but was told that because I was not the actual injured person I could not file a complaint. The police said that its a civil matter and referred me to the Georgia Consumer Protection Bureau who referred me to this agency. If this is n't the right agency please direct me to the right agency or department. These XXXX women are stealing people blind and not providing the service they represent to be able to provide and no one seems to either care or be able to investigate and stop them. On her last visit she overheard the staff talking about a man name XXXX who had been arrested because of the firms failure to fulfill its obligations. Since they do not know me, If it would help, I am willing to go in and request a loan modification from XXXX so that the process can be traced from start to finish. Several of my friends are willing to do the same thing. The firm is Roberts and XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. No. XXXX, XXXX Georgia XXXX. ( XXXX ) XXXX. I forgot to mention that XXXX locked XXXX XXXX out of the loan mod portion of the law officies software so that XXXX XXXX could not help protect the XXXX community from the predatory practices of XXXX XXXX and her partner XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error solution requirements under the electronic funds transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently signed up for an account with XXXX and they told me there a hard inqiury for that. But there a currently 2 inquiries regarding the same account which is unauthorized for. it was done without my consent and my without my permission. 

Equifax Credit Agency. 
Hard inquiry : - XXXX. 
Date : - XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX - OPEN Balance {$750.00}. 
Acct Status : OPEN Remarks : Collection According to FCRA Law an account can not be reporting Open and In Collection at the same time..
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion already agreed to this acct erroneous and inaccurate here proof. These accounts are not mine, they are inaccurate, unverified and unauthorized. ( Exhibit A ) XX/XX/XXXX fnbo was removed after I disputed it on XX/XX/XXXX. Transunion has not even responded to me per the law you say you are required to follow from my initial dispute. Your only response was you removing the account. You are required to respond to me within XXXX of my disputed. I spoke to a few reps today XX/XX/2022 specifically XXXX XXXX and he stated that you guys added this acct per fdcpa but that law also states your required to respond to my dispute within 30 days. Why didnt you? So that means you as the entity agreed XXXX me the original creditor that this account is unverifiable. Later with it now being the XXXX of XXXX you re added this account back 2 business days later. What changed from then to now. 

With you removing this from my account you admitted to this law by removing it which basically means XXXX didnt verify this per law. 
So what made you add this back? 
How you verify it? 
XXXX and XXXX wasnt able to verify it so how were you? 

This abusive act has cause me major financial distress and this is against my individual right to privacy This agency is in violation of 15 USC 1692 ( g ). They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 XXXX and the Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Product: Credit reporting or other personal consumer reports

I am writing a to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also requested that my personal information ( Address and name ) be updated and have provided proof of such with my Driver 's License and bank statement with the credit reporting agencies. Experian has refused to do so. On XX/XX/, I called Experian and spoke to an agent named XXXX who refused to provide me with an XXXX ID for security reasons. XXXX claimed that I would have to call all of the creditors on my credit report that are reporting my name incorrectly to have it corrected, even creditors that I no longer have an account with in other words closed. This further proves that this credit reporting agency is intentionally reporting inaccurate information about myself even though I have provided proof multiple times when disputing. 

I will be uploading documents as proof of my dispute letters