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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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

XXXX XXXX  IS CONTINUOUSLY REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE BEEN IN CONSISTENT COMMUNICATION WITH XXXX XXXX. 
XXXX XXXX  ONCE AGREED TO REMOVE THE LISTING FROM MY CREDIT FILE AND CEASE ALL COLLECTION ACTIVITY. AFTER SUBMITTING MY DISPUTE, ATTACHED WITH A LETTER FROM XXXX STATING SUCH, XXXX XXXX  HAS YET TO REMOVE THIS ACCOUNT OR FORWARD ANY OF THE INFORMATION ALLEGEDLY OBTAINED XXXX ITS INVESTIGATION. THIS IS NOT MY ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY. 
I SUBMITTED A DISPUTE AND REQUEST FOR INFORMATION FROM XXXX XXXX AND ITS BEEN OVER 30 DAYS. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Back in XX/XX/XXXX, i when to XXXX to purchase a shoes for me and my fianc for her birthday. I first went on the website to schedule an appointment. Once I got to the XXXX store in XXXX XXXX XXXX XXXX I was greeted by the hostess. We went inside and looked around before choosing a shoes. After we chose the shoes I asked for a size 9, the lady told me get a size 8 because XXXX shoes run big, Ive never worn or purchased a XXXX shoes so I took her suggestions. We cashed out and i drove straight home. When I got home, I tried on the shoes with a pair of socks then I can feel my little toes getting a strangled and they started hurting. The shoes was extremely tight and uncomfortable. I put them back in the box and took them back to the store the next day ( XX/XX/XXXX ). When I got to the store, I wasnt greeted and people that was there the day before was not the same people. Some seems strange. Anyways, I walk over to the cashier and told the gentleman that I would like to return these shoes because they do not fit and its uncomfortable. He looked at me in a scornful way and said because of XXXX policy, we cant accept them back. For a second I thought he was joking. So I hand him the shoes and he said we cant accept that. I started getting extremely frustrated and angry because that sounds like a bag of XXXX. I told him that if hes not going to take the shoes that I will dispute the items with my bank. He said go ahead with a rude attitude. While I was in the store I contacted APPLE CARD and explained the whole situation and they initiated a dispute. The dispute was resolved in the merchant favor and they did not provide any information regarding my interaction with XXXX and what happen in store when I tried to return the shoes. Every month since XX/XX/XXXX, APPLE just keep on initiating a dispute which always come back in favor of the merchant. This has cost me anxiety and stress. Im losing sleep because of this. The last dispute was initiated back in XX/XX/XXXX. Again, Apple in favor of merchant. Apple asking for me that they need A second opinion from a qualified third party of the quality of the work performed by the merchant. For example, a qualified third party can be an independent autobody shop evaluating the work performed by a dealership mechanic what does this have to do with a dispute with XXXX.
Product: Credit reporting or other personal consumer reports

These inquires do not belong to me : XXXX XX/XX/2023XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXXXX/XX/2023XX/XX/year>
Product: Checking or savings account

I am filing this complaint because I have not received a deposit of {$6500.00} to my Capital One account, which has caused significant financial hardship for me and my family. I am the sole provider for a family of XXXX, and this missing deposit has disrupted our ability to meet essential living expenses, including rent, utilities, groceries, and other necessities. 

Despite reaching out to Capital One multiple times to resolve this issue, I have not received clear answers or a satisfactory resolution. Each time XXXX contact customer service, I am either provided with conflicting information or told to wait longer without any indication of when the deposit will be credited. 

The {$6500.00} represents a critical portion of our income, and this delay is unacceptable. I have provided all necessary information to Capital One regarding the deposit, including proof of the transaction, but there has been no progress. 

I expect Capital One to urgently investigate and resolve this matter by locating and crediting my deposit. This situation is causing undue stress and financial strain on my family, and I need immediate action to prevent further hardship.
Product: Student loan

On XX/XX/year>, I submitted a Private Student Loan Exception Request to my lender, XXXX XXXX, due to school misconduct by the XXXX XXXX University XXXX XXXX XXXX ). On XXXX XXXX American Education Services ( AES ) issued me a denial and directed that I contact the XXXX XXXX XXXX FTC to assert certain claims. I contacted the FTC and was told that they dont deal with private student loans. Next, I was directed to contact XXXX XXXX XXXX XXXX and to submit a complaint regarding the misconduct of the XXXX XXXX. 

However, on or about XX/XX/year>, my daughter and I, received a letter from Chief Operator, XXXX XXXX XXXX XXXX stating that the XXXX Department of Education has determined that the federal student loan received for attending the XXXX XXXX are eligible for a full discharge and that we do not have to make any more payments, It was determined that the XXXX XXXX made pervasive and widespread misrepresentations. As a result of such misrepresentations, the federal loan was forgiven and XXXX. 

I am a co-signor on a private student loan with XXXX XXXX XXXX and am seeking relief from this loan due to XXXX XXXX misconduct. During the recruiting process, I was not made aware that I was co-signing for a private loan but was told that additional monies was needed in order for my daughter to attend the school. I was under the impression that the money borrowed was under federal aid. The laws under private student loans are not the same and there is no sought of relief. 

I have tried on many occasions to discuss lowering payments and or change the payment due date in order to keep up with payments and was told that I would have to be current in order to make any changes and forbearance options were no longer available but continued making payments according to my pay schedule. The monthly payments are unaffordable and continue to change. The interest rate is very high. I have made many payments toward the loan and can not get any time of relief from the lender. 

On XX/XX/year>, after not being able to make a payment, I contacted AES ( Loan Servicer ) to find out why I could not make payment and to check on the status of my request for relief and was told that the loan charged off was taken by Gold Structure Solutions, a Guarantor who is now servicing the loan. When I contacted Gold Structure Solutions on XX/XX/year>, I was told that they have no information to provide. I am not sure who is now servicing the loan. 

On XX/XX/year>, I was contacted by a collection agency, XXXX XXXX to collect money due on the private loan, I am seeking relief from the private student loan with XXXX XXXX XXXX based on their misconduct or any other remedy.
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. 
Account name- XXXX XXXX- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

1. 15USC 1681 section 602A. States I have the right to privacy 2. 15 USC 1681 section 604A section 2- It stated a consumer reporting agency can not furnish an account without my written instructions.

3. 15 USC 1681C a ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by no more than seven years.

4. 15 USC 1681 S-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 in accurate.
Product: Credit reporting or other personal consumer reports

I appreciate the time taken to address the removal of certain items from my file due to fraudulent activity. However, there are still several remaining items requiring attention. According to FCRA section 605, it is mandatory to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please be advised that you have four business days to remove the reporting of any fraudulent items from my credit file. I do not consent to E-OSCAR or any form of automated verification. Your prompt attention to this matter and a response within four business days are appreciated.
Product: Credit reporting or other personal consumer reports

the FB & T/MERCURY CARD was placed in forbearance for 12 months with no payments and no interest. this was beginning XX/XX/XXXX until XX/XX/XXXX this was due to medical issues and my inability to pay the account.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. XXXX XXXX XXXXXXXX account # XXXX has violated my rights as well. 

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

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/16 I discovered an authorized debit transaction on my checking account. The transaction was an international wire debited from my account on XXXX/XXXX/16. The amount was for {$2500.00} + {$50.00} fee. I never filled out any wire or conducted a wire transaction. 
On XXXX/XXXX/16 I went to my local Chase branch ( Branch Manager XXXX XXXX ) to notify them of the unauthorized transaction. XXXX XXXX researched the transaction and confirmed that I was not the sender of the wire. Since the debit was a bank error, XXXX XXXX refunded NSF fees of {$12.00} on four occasions. This goes to show that it was a bank error. 
For several days thereafter I visited the branch at least three times to speak with XXXX XXXX. On one of the visits XXXX XXXX told me they were trying to locate the beneficiary of the wire in order to refund my money. 
On XXXX/XXXX/16 XXXX XXXX contacted me by phone and informed me that he was going to refund my money + wire fee to me no later than XXXX/XXXX/16 or XXXX/XXXX/16. As of this writing date, XXXX/XXXX/16, no funds have been returned to me. 
It is my understanding this fraudulent transaction is covered under Regulation E and I believe the branch manager - XXXX XXXX - is not complying with the law and is withholding information to my detriment. 
Please assist me to return my money + fee. XXXX XXXX 's reluctance to assist me is a violation of the law ( Regulation E ) and amounts to theft. 
Chase 's negligence has caused me great harm as I have had to live without my money for nearly one month. In addition, I am not receiving clear information from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached I have responded to the " American Express Fraud Operations '' regarding correspondence sent XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account on my report I dont recognize from XXXX XXXX XXXX XXXX {$42000.00} And a few inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After reviewing my report Im aware that the below accounts are still on my report after I called in and sent letters to have them investigated previous. I also submitted a request online and have not gotten an update. Which is a violation of my rights.

This is also hindering me from being able to purchase my first home.

In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items for information, any other adverse item of information, other than record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit that are unauthorized. By law, that debt has to be verified. Ive sent dispute letters to all XXXX credit bureaus and will attach it with my complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Date : XX/XX/2019 I was speaking to a sales representative and i was told he would not run a hard inquiry because I am a current customer. He did run it and admitted he was wrong. They stated they can not remove inquiry ad do not know-how. I have contacted them and spent hours on the phone and no response. Please have them reported and I would like to take legal action if not removed,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on Experian, XXXX and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.