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

XXXX XXXX is in violation of this law:15 U.S. Code 1681i - Procedure in case of disputed accuracy. The law specifically states ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The Company has not VALIDATED this account which makes them in violation of this law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, in the FCRA which makes this account being reported INACCURATELY on my credit report.
Product: Student loan

Approximately XX/XX/XXXXmy son attended XXXX College. One of his loans which is a private loan through XXXX XXXX is under my name. Payments were automatically withdrawn from my account on a monthly basis. In XXXX I tried to get my account balance online but I was denied entry. I called XXXX XXXX with negative results everyone I spoke to had no information on a student loan I was paying every month. A representative at XXXX XXXX told me that my loan was with Navient but with recent research and bank statements it 's only clear that XXXX XXXX is the agency named on my bank statements in regards to monthly withdraws. Since I was unable to get any information on my student loan balance I decided to stop the monthly withdrawals XX/XX/XXXX from being taken from my account thinking that someone would contact me about my payments. Well it 's been a year and no one from XXXX XXXX has contacted me about a payment, I find this very odd and disturbing. I would like some information about my student loan account payments. Is there still a balance? If so why are n't they asking for payments? Has my account been satisfied? If so when was it satisfied and why was n't I informed? If I do n't receive any information about my account I will be forced to turn this matter over to my attorney.
Product: Mortgage

This is my 3rd attempt to rectify this issue with this company. SPS has yet to return the unearned interest that is owed to me from my mortgage being paid off in full 15 years early pursuant to 15 USC 1615. They claimed that they gave me what was owed but that is inaccurate ; what SPS is referring to is a return on an overpayment for homeowners insurance. To be clear, I am demanding they return my unearned interest due to me from my home loan being paid off 15 years early. I demand the unearned discount ( unearned interest ) due to me from paying off the mortgage 15 years early.
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 XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX  XXXX : 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 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 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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX In XXXX I had 4 hard inquiries on my credit report that I did not authorize. I also went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.
Product: Debt collection

Debt collector sent false documents and once this was revealed had the whole XXXX XXXX COUNTY GOV BUILDING committing violations of fraud to from judges making false claims to the recorder office tampering with evidence. The case is explained step by step in attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This complaint pertains to late payments erroneously recorded on my credit report. Upon careful examination of my records, I discovered these inaccurate entries. Despite having submitted correspondence about this issue more than 30 days ago, I have yet to receive any response or adequate validation.
Product: Credit card or prepaid card

I bought a paypal prepaid card at a XXXX XXXX I loaded XXXX usd on to the card. When i proceeded to activate the card online, the website gave me a different phone number to call than the one on the back of the card. ( which i had already called and received a one time link text to my phone to get to the website to activate the card ). So i called the new number because apparently there was a problem activating the card. Net spend answers my call with an automated service. I went thru the process and gave them my info. They transfered me to an associate who proceeded to tell me that since i had an XXXX NETSPEND card that had been canceled due to me using it for business purposes which is apparently strictly forbidden, that i could no longer use the netspend services and would have to wait 10 -25 days to receive a check for reimbursement. The check never came. The peculiar thing is, i have a paypal account that i use everyday on my phone which is why i bought that particular card thinking i could transfer immediately to pay a bill. This has been over two and a half or more months. The bill didnt get paid and i subsequently lost a job due to the fact that i was locked out of my storage building ( where i house my tools for my business ) all because paypal prepaid or netspend or whoever thinks they can just hold your money without a legitimate cause. What if this was a gift card i was giving to someoneelse. There has to be a law broken here i lost XXXX dollars to another subcontractor on a federal government job due to this and i needed that money. I still work for XXXX XXXX XXXX XXXX XXXX  but i lost that job and that has really set me back and i still havent caught up. Ruined XXXX  and XXXX and the new year and my relationship.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$69.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$250.00} ; XXXX XXXX Balance Owed XXXX {$330.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX
Product: Checking or savings account

On XX/XX/XXXX, a woman pretending to be me was able to fraudulently withdraw {$6000.00} from our checking account at the XXXX XXXX XXXX XXXX in XXXX. This person created a bank account using their fraudulent phone number and email in my name and was able to setup online banking access to our account. We had previously deleted my own online banking account due to fraud and asked that the phone number they had previously used be deleted from our account. We had other fraudulent withdraws at the XXXX XXXX  in XXXX XXXX XXXX XXXX  back in XXXX of XXXX even though we live in XXXX. After the first fraudulent withdraw, we had holds placed on our accounts that were removed without our knowledge. We are in the process of switching banks when this other unauthorized withdrawal of {$6000.00} happened.
Product: Credit reporting or other personal consumer reports

My credit report shows the following for this company : {$220.00} KOVO XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Open Account Type Installment sales contract Date Opened XX/XX/XXXX Credit Limit -- Payment Information Payment Status Late 120 Days Past Due Amount {$40.00} Highest Balance $ 240 Monthly Payment {$10.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Creditor Name KOVO INC Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

First Data ( FDR ) Potential Fraud Our Company XXXX, ran a Company Visa Card from our customer XXXX XXXX for training and consulting services which have already began. The XXXX XXXX Visa Card was run on XXXX XXXX XXXX XXXX at XXXX, and was successfully batched for {$9900.00} and sent the Credit Card Processor First Data- ( FDR ) the proper information to fund the XXXX XXXX Account XXXX 
I have been in contact with XXXX since I need the funds to make pay roll. 
I have called FDR Risk Management over 15 times and sent emails with the information they required. I have only received 1 call back after I tried to contact the First Data CEO ( XXXX XXXX ) from an XXXX in Risk Management ( XXXX ) and she wanted me to send numerous documents and even XXXX Bank Statements. I complied with her request have left 5 messages and still have no response and no resolution. 

XXXX said the First Data " holds funds '' in case there maybe a charge back from the customer. I said you hit my customers Visa Card on XX/XX/XXXX so where are the funds? I asked her how many others are they " holding '' processed funds, I said it could be millions of dollars and she did not respond. 
The XXXX Merchant Account is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this CFPB complaint right now to ask you to quickly delete the disputed bogus accounts and information from my credit file. Numerous illegal inquiries as well as some inaccurate account and information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC using File Numbers # XXXX and # XXXX. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Here is a list of accounts you ought to have deleted long ago : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You have been saying that these accounts are mine, but you haven't sent me the proof you need to back up your assertions. The contested accounts should have been immediately deleted if these papers hadn't been provided.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, a Western Union transaction was made without my authorization or my knowledge of {$950.00} along with other several attempted transactions that were blocked after the {$950.00} was taken out. I did not initiate this payment or know the recipient it was being sent to. I contacted my bank and Western Union and was informed to start an investigation, my Western Union case number is XXXX. Ive also filed a complaint with XXXX. My XXXX XXXX  originally refunded my amount until their investigation was ended but as of XX/XX/year> they stated that this transaction was correct and took the money once again.
Product: Credit reporting or other personal consumer reports

I will upload a picture of my ftc report number. 
Unauthorized credit inquiries Transunion : XXXX XXXX  ( BANK ) XX/XX/year> XXXX : XXXX XXXX XXXX XX/XX/year> My information may have been impacted by the XXXX, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under Section 604 of the Fair Credit Reporting Act, I am requesting that this unauthorized inquiry be removed from my credit report. I did not provide consent, nor does it fall under any permissible purpose as defined by the Act.

FCRA Section 604 Permissible Purposes of Consumer Reports This section of the FCRA specifies when a credit bureau can legally furnish your credit report to a third party. Some permissible purposes for making a credit inquiry include : Credit Transactions : When a lender or creditor is evaluating you for credit, loans, or financing. 
Employment Purposes : If an employer is performing a background check with your written consent.

Insurance Underwriting : When an insurance company is considering you for coverage.

Government Licensing or Benefits : When the government needs to check eligibility for licenses or benefits.

Court Orders : In response to a valid court order or subpoena.

Debt Collections : When a company needs to collect on a debt owed by the consumer.

For an inquiry to be authorized, it must meet one of these permissible purposes. If it does not, it is considered an unauthorized inquiry, and you have the right to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/2022 I contacted LexisNexis to inquire if XX/XX/XXXXXXXX requested a copy of my consumer report. The representative told me no, but I believe they are not being transparent. I would like for the CFBP to force LexisNexis to provide accurate information for companies that have requested my consumer report.
Product: Credit card

On XX/XX/XXXX I made a payment on my Chase bank credit card for {$25000.00}. Without letting me know they placed a hold on it till XX/XX/XXXX. They debited the funds from my checking account right away. Why did they not contact me regarding the hold? Why would they place a hold on the funds for so long when they took it right away? It has caused a hardship as I am out of the country for vacation and needed the room available to travel. Thank you.
Product: Credit card

Consistently, I've made sure payments on this account are on time, never allowing them to be overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Student loan

Sallie Mae has refused to offer any sort of relief or lowering of payments, and it is impossible to meet ends meet due to their actions. I make an annual salary of {$60000.00} and my student loan payments are $ XXXX month which is more than I make in a single paycheck. After making payments and struggling to even have enough money to eat, my interest rate continues to grow and is now at almost 11 % on my loans pushing me even further into debt. With the pandemic going on I have lost all additional sources of income and the best option they gave me was to not make a payment and speak with the collections agency which will further hurt my credit.
Product: Credit card or prepaid card

PayPal fraudulently opened a line of credit in my name without my authorization. While I have purchased item via PayPal I always select to do so through my debit card. I was contacted by PayPal that I owed an outstanding debt at which I learned this line of credit was opened. I have since paid the amount and closed the account. However now my credit will be affected due to closing the fraudulent line of credit opened by this company. I was told the line of credit was opened due to simply purchasing a product from XXXX. This is illegal! I never authorized this line of credit, furthermore never once even given my SSN, digital signature or anything to do so. I also will be contacting my states federal prosecutor and local attorney to further the legal process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Resident type Experian refuses to take off this address and it is a mall address not a home address. I would like Experian to have this in accurate address of a mall deleted. I further would like my accurate address on drivers license on file.
Product: Vehicle loan or lease

car was taken XX/XX/year> sold that same year they are still charging me and reflecting on credit report
Product: Checking or savings account

I received a debit card in the mail for an account I did not open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concern about a violation of my rights under the Fair Credit Reporting Act. Specifically, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my privacy rights under

15 USC 1681 section 602. As a consumer, I have the right to privacy and to control the information that is shared about me. According to 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish my account without my written instructions. This means that I have the right to decide who has access to my credit information and how it is used. Furthermore, 15 USC 1681a definitions ; rules of constructions - exclusion - except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. This means that I have the right to make payments on time and not be penalized for doing so.
I am aware of the " Opt Out '' requirement detailed in subsection ( b ) of 15 U.S. Code 6802, and I understand the definition of " nonpublic personal information '' as provided in subsection ( e ) ( 4 ). I expect that my rights under the Fair Credit Reporting Act will be respected and that my privacy will be protected.