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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXXXXXX 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 any 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 of 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

I have a primary account with capital one that belongs to me. I am listed as the individual account holder. I was added as an authorized user to another capital one account. Now I have two hard inquires from capital one. I did not give permissible permission to authorize this inquiry and it isnt for my own account that I applied for. I disputed the inquiry but not the account since I did not provide or authorize another hard inquiry. Since then the card is now closed and I still have both capital one hard inquires on my credit reports which I am working hard on my credit and do not need an extra inquiry. I am getting no help from anyone at this point. My individual primary account that I did authorize on XX/XX/2020 and I am not disputing this account it is mine which I am the individual primary account holder. The other account which I am only an authorized user on is dated XX/XX/2020 which I disputed. I cant get help getting this second inquiry off from capital one after explaining the situation - since being added as an authorized user there should be no inquiry for this. I did authorize the initial inquiry for the account that is mine but not for the additional which by law should not be on my credit reports since its hindering me from other credit opportunities. I am in desperate need for help since Ive tried everything to get the AU hard inquiry off my credit reports. This is inaccurately reporting which is against the law.
Product: Debt collection

I was the victim of identity theft in my XXXX 's and XXXX 's, which is still affecting me today. There are XXXX  loans that I did not take out on my credit, there are credit cards, credit inquires I didn't apply for, and small loans that are not my accounts. 
I've disputed these debts several times, and they will not remove these from my credit. Some things were removed originally, but these student loans, and other accounts referenced above have not been removed. 
This debt is affecting jobs, housing and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing up on my Experian report as negative. Also it is showing up a a foreclosure. This needs to be corrected with XXXX  and Experian. Please alert them of this reporting negative on my Experian report. All other agencies have corrected it.
Product: Credit reporting or other personal consumer reports

I took out 2 loans to pay for graduate school with Mohela. I received one of the loans for my first semester. However, I withdrew from the school my second semester and the money from the second loan was never dispersed to me or my school. 

Both loans are showing up on my credit report showing that I still owe the full amount. 

I reached out to Mohela about this issue and was on the phone for over an hour and re-directed to 3 different representatives. I was told in order to remove this loan from my account I would have to contact the US Department of Education. 

I filed a case about this with studentaid.gov and was told in order to fix this, I would need to contact my loan servicer, Mohela. 

It seems that neither Mohela or the financial aid office is willing to help remove this charge, even though I have clear proof from my college 's financial office that the loan was never dispersed to them for the second semester.
Product: Debt collection

On XX/XX/24, I sent a letter to Caine & Weiner requesting verification and validation of the alleged debt they are reporting to the credit reporting agencies without properly notifying me. They completely ignored the certified letter but continue to report it to the credit bureaus Account Numbers : XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has place an incorrect charge on my account. I have tried to resolve it directly, and they refuse to remove this invalid charge from my Experian report despite the evidence. I will be pursuing further investigations. 

In the meantime I ask that this be removed from my Experian report for the following reasons : In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX, 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 an account without my written instructions.
Product: Checking or savings account

I tried to open an account and become a member. I was becoming a member by being a member of the XXXX XXXX XXXX. They denied my application giving no reason. They will not talk to me by phone and have not responded by email.

I have great credit and no returned checks or other bad banking history
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo is in violation of the " Electronic Funds Act '' On XX/XX/year>, I cash advanced my son, XXXX XXXX {$1000.00} from my Paypal Credit account. to his personal Paypal account, in which he used to transfer the funds to his XXXX  account. XXXX  support team ( XXXX XXXX XXXX ) immediately flagged the transaction as fraudulent and closed his account with all funds inside. I sent verifying information to the Venmo support team and they still will not release the funds. 
XXXX  did release XXXX funds that he already had in his account before the cash advance, but will not release the funds I sent to him. They sent him an email stating they will investigate and release the funds after 180 days ( 6 months ). I have attached all emails associated with this ordeal since XX/XX/year>. Paypal credit has charged the funds back to my account ( please see attachment ). 

I just want my funds returned out of the closed account.
Product: Debt collection

SYNCHRONY FINANCIAL, A corporation organized and existing under the General Corporation Law of the State of Delaware is an issuer of Credit Cards. 

I obtained two credit cards from Synchrony Financial. One Lowes Credit on XX/XX/XXXX and one WalMart Credit card on XX/XX/XXXX. 

On that or around XX/XX/XXXX Both accounts became delinquent. According to XXXX Courts and Judicial Procedure Limitation of Actions According to TITLE 10 8106 Actions subject to 3-year limitation. The start of the statue of limitations would have begun when the accounts became delinquent to three years after that point around XXXX of XXXX. 

As a New York State Resident The Court of Appeals of the State of New York XXXX XXXX v. King held that the statute of limitations of the state where the credit card issuer is based, rather than New York 's statute, may be correct statute of limitations to apply. In this case 3 years. 

After the 3 years the case is " time barred ''. However, SYNCHRONY FINANCIAL sold this account to a 3rd party Debt Collector XXXX XXXX XXXX and appears to have transferred the time barred accounts over to its subsidiary company Synchrony Bank in an attempt to re age the accounts in violation of the FCRA. 

I allege that Synchrony Financial is well aware of laws which pertain to The FCRA as well as state Laws. Synchrony Financial I allege knowingly sold a time barred account to XXXX XXXX XXXX at which now by and through their attorneys have filed a motion in NY State Supreme Court against me on a time barred account beyond the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  is reporting me 30-60 days late because of wrong information. 

The company XXXX stated they processed my XX/XX/2020 loan payment on XX/XX/2020. 

I made XX/XX/2020 payment to XXXX mortgage company on XX/XX/2020 as my bank statement shows. 

I made my XX/XX/2020 payment on XX/XX/2020 to XXXX as my bank records show. 

I was then placed on XXXX XX/XX/2020. 

XXXX XXXX XXXX does not reflect the XX/XX/2020 payment. 
What happened to the XX/XX/2020 payment? 

What payment was 30-60 days late? 

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

Inaccurate information on credit report. Inquiries from different creditors that weren't permissible. XXXX, XXXX  and TransUnion. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

In XXXX 2016 I renewed my rate reduction program with Navient. The agreed upon amount was {$700.00} to come out of my account automatically in the XXXX of every month ( with the exception of XXXX which would be the XXXX ). The amount has come out of my account as it was supposed to. However, they continue to call me 5-10 times per day and my XXXX year old grandmother. They call and harass and threaten my grandmother telling her I am not on automatic payments and she needs to pay them {$700.00} immediately. My grandmom then thinks she is going to lose her house or something. I call them to ask where the {$700.00} is going every month if it is not going towards my account. I am then placed on hold for an extended amount of time. If they are calling harassing people should n't they know the reason they are calling. After over 30 minutes on hold I am finally told that they can see that I set up the rate reduction in XX/XX/XXXX and that the deductions are in deed coming out of my account, but there was an error with their processing department. I then asked so why are you calling myself and my over XXXX year old grandmother causing her stress if it 's a problem only you can fix. I was told it 's because she is the consigner. I then stated but this is a problem you said only your processing department can fix, so once again why are we even being called. I was told because no one noticed the problem. I would think before they started calling people 5-10 times a day they would know why they were calling them in the first place..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a certified letter to Equifax disputing an account XXXX XXXX that does not belong to me and requesting a complete and thorough investigation by Equifax according to the FCRA and FDCPA which Equifax failed to do. Again on XX/XX/XXXX I sent another certified letter requesting another re-investigation which Equifax failed to do. Both letters were signed return receipt by XXXX XXXX. Within one week after my second letter dated XX/XX/XXXX I received my credit report from Equifax which stated that the account was already verified and so the charged off account, XXXX XXXX account remained on my credit report. I requested information from Equifax on how the investigations were completed based on the Fair Credit Reporting Act and all applicable laws and statutes that applies to my DISPUTE. Equifax failed to comply with these statutes and laws in regards to the disputed XXXX XXXX account. I made it very clear that the account does not belong to me. Based on Equifax erroneous reporting, I am not able to get a student loan to continue my education and this has caused me serious financial hardship and my ability to get an education and earn a living. I have enclosed and faxed all pertinent information as evidence. Equifax has ruined my life because of this inaccurate and erroneous information. ( XXXX XXXX account on my credit report ).
Product: Money transfer, virtual currency, or money service

XX/XX/2018 I sold a XXXX through XXXX XXXX XXXX here in the XXXX XXXX IA. XXXX   XXXX  Check  is through Great Western Bank here in XXXX XXXX IA. He mailed my check to me and I went to Great Western Bank XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX phone # ( XXXX ) XXXX and was told I need to pay a {$5.00} check cashing fee due to I am not a member of their bank. I refuse to let them blatantly steel my money. The check a issued by their bank and I will not pay the fee. I went and talked to the Branch Manger XXXX XXXX and she attempted to lie to me that all financial institutions charge this fee. I told her I will go file a complaint with the Feds and she told me to go ahead. I went to one of my banks and ask them if the same scenario a would happen, would the person be charged and my bank said no. Great Western Bank is a lier and thief. My complaint is filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX 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 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I had to file a new complaint because I didn't notice they were doing this but from XX/XX/XXXX to Friday XX/XX/XXXX the site moneylion has been taking money out of my account and saying its debt when I don't own any debt. This site has been taking hundreds of dollars from me for no reason.
Product: Vehicle loan or lease

Hi, I am a natural living person and a consumer as protected. I went into the Honda dealership in XXXX, CA off XXXX XXXX XXXX to pay for a XXXX XXXX XXXX which is currently on a stop due to a recall. I received the agreement and raised a few questions. I also asked to write or make an addendum or instruction/endorsement. I was told I was not allowed to write on the agreement. I asked if I was not allowed to write on the document then what about my signature or my endorsement. They said I could write that but was not allowed to do so. I pointed out that the agreement, the promissary note did not state it was non-negotiable, but in fact negotiable, and it could be amended and changed in writing. They said I was only allowed to write my signature and then it was non-negotiable. They then pressed me for what I wanted to write and include and provided a copy of what I had intended to write. Then they interrogated me on the meaning and denied that I could include it with the note/agreement or write anything on or on the back of the contract besides my signature. I kindly asked if I could write as it would be a negotiation with the bank, who it would be delivered to for processing. The addendum would have to be approved by them, to my knowledge, to be binding so to my knowledge this would not cause any harm to any party involved. But to my knowledge, the dealers and sales team did not know about any of this nor the UCC, and Im unsure if they can be acting as a representative of the bank, cause the negotiations, the addition I wanted to make, would only be approvable or signed by someone at the bank. 

Getting nowhere I left, I was called crazy and told to come back to 2024 as I left. I have no animosity towards the person who said and did these things. He told me he did not understand and he was incapacitated as an agent / rep at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that XXXX  have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 

1. This account is incorrect status, balance is wrong. 
XXXX XXXX Please remove it from my credit report. I was never late on this account. Amount of limit is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote a letter disputing a PUBLIC RECORD : Bankruptcy that is reporting on my consumer report in error. I want this account verified in my requested, I did not get a response. I wrote a follow up letter XXXX XXXX. I still have not recieved a response or any updates via mail, email or on my credit report. So I am excersing my rights : according 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

USCB America has added a collection account to all three of my Credit Reports when the the debt is not mine. The original account belongs to XXXX XXXX and I am still a member. The last payment that I made to XXXX I have attached and it is a total of {$1000.00}, which brought my account to {$0.00} with XXXX. This Collection agency is reporting an incorrect amount that I do not owe.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX NEW XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting

Equifax wrongly changed my last name on my credit report, and deleted all of my previous credit history, and started a new credit report. After several attempts of explaining the situation, XXXX supervisor found my old report and promised to combine with the new XXXX. They had XXXX credit reports for me with the SAME ssn. I initiated a dispute to have this corrected, they only updated my last name to the correct XXXX. ALL of my previous credit history is gone. I have been denied credit due to Equifax reporting my credit history incorrectly. It shows that I only have XXXX months of credit history, and I am XXXX years old with a mortgage, car loans, credit cards, etc. All of this showed on my credit report as recently as XXXX 2014. None of it shows now, and it is all current information.
Product: Debt collection

XX/XX/XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXXXXXX XXXX XXXX VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Re : Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Dear Navy Federal Credit Uniom I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided.

None of the above were provided to me.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount.

Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 
Thank you for your immediate cooperation. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Once again I am battling with XXXX who reported a delinquency on my credit trying to ruin my credit reports. They are trying to ruin my credit reputation this bank is discriminatory and I am going to try to prove it! I filled a dispute Experian who refused to remove it after I stated that the loan failed behind due to a Covid forbearance under the Cares Act I dont believe XXXX should be able to destroy my credit they have already stated that they havent done it to anyone else this is becoming a real issue with these banking institutions and credit bureaus. I am filling a complaint against both of them. I uploaded the documents to Experian and they have not responded or fixed the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, New Jersey XXXX 1. Incorrect Names : XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX Remedy requested : DELETE 2. Incorrect Addresses : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Remedy requested : DELETE 3. Incorrect Employers : XXXX XXXX XXXX XXXX  Remedy requested : DELETE 4.Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. Fraudulent Credit Card : XXXX XXXX : Fraudulent Utility Accounts : XXXX