23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have filed a claim for a slew of charges I uncovered on or about XX/XX/2018 with my credit card company Chase six charges for {$160.00}, a charge for {$1500.00} and another charge for {$1100.00} totaling {$3600.00} with a company called XXXX XXXX XXXX based in XXXX XXXX XXXX  but that seem to communicate in Spanish and is allegedly engaged in the sale of time shares in other jurisdictions out of the united states. Chase my credit card company was ask to investigate the charge and provide me with evidence to substantiate these charges, they have neither investigated, nor provided or asked for any proof, they also refused to provide me with a copy of the response they allegedly received from the merchant. This conduct is usually indicative of bad faith when a powerful processor and a large financial institution try to suppress and circumvent the process of investigation in total impunity, they were also asked whether they had a business relationship with that merchant Priviledge or its affiliates that could cause them to have a conflict of interest in administering the claim, they refused to answer, they denied to provide any information about the investigation and denied the claim and validated the charges.
Product: Credit reporting 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 : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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

I have XXXX account with XXXX that had XXXX purchases for XXXX to be paid on different days with XXXX. I was recently unemployed-Laid off from my job, I spoke to a representative at XXXX  and advised him that I obtained a job and I was going to pay on the loans when I received my first paycheck on XX/XX/2023 and could not make my payments for XXXX, XXXX and XXXX until then. I eventually paid XXXX of the purchases and brought the account to current on XX/XX/2023 and paid the other XXXX purchases to current on XX/XX/2023. However, XXXX reported to credit reporting bureaus on XX/XX/2023 that I owed on all XXXX of these purchases and listed this as XXXX different loans on my credit and bought my credit score down XXXX points. I received no good credit when I was paying Affirm on time, however, when I got behind 90 days, they reported the account XXXX times as XXXX different negative entries instead of just reporting to my credit for XXXX total accumulative balance of all XXXX purchases. They just destroyed 20 years of building good credit over XXXX small increments of XXXX purchases for XXXX bad account. I can't believe the credit bureaus allowed this and I feel this has violated the fair credit reporting act. And the amounts they reported do not even match what was owed. XXXX of the purchases was paid before they even reported it XXXX times. If anything, there should only have been XXXX reporting for XXXX loans. The XXXX credit bureaus are a for-profit company and is allowing companies like XXXX to destroy people lives and XXXX XXXX by allowing them to list XXXX XXXX account XXXX times. This has to be illegal, and I will be seeking legal action because I believe XXXX violated my fair credit rights. I want these entries removed off my credit and my score back to current status. This XXXX company took my credit down from good to poor after 15 years of building when they know how difficult it is for XXXX Americans to gain a good XXXX XXXX with all the systematic laws against us to keep our credit poor to pay high interest rates. This would not have happened to someone else of another race. This was done intentionally to destroy my credit worthiness at such an financially hardship point in my life. The account wasn't even past due 120 days which is the time listed that they will report to credit bureaus through a third part collection agency. XXXX violated FCRA and I seeking resolution asap.
Product: Debt collection

XXXX XXXX XXXX I have never signed up with XXXX XXXX. Please provide me showing a hand written signature that I signed up for this company. Also I want a contract showing that I have any legal obligation into paying you guys for this debt. If you can't provide me with that then I want you guys to remove this from my credit report immediately. Please don't try and call me.
Product: Student loan

I have been paying this loan off for 17 years and the balance has not decreased, nor has the payments been reduced to an amount that I can afford regardless of my many requests. Furthermore, I requested the School Misconduct Discharge Application because not only did my school close and lose accreditation, but the administrators were also prosecuted for financial crimes. This debt should be forgiven at this point.
Product: Money transfers

I sent money to my brother, utilizing XXXX Surepay through my Wells Fargo account. The system utilizes the recipient 's email and is supposed to send the recipient a notification on how to get the funds into their account. I can not see the destination account. My brother says he got the email, but after following the instructions he could not retrieve the funds. The amount was {$400.00} and this was done on XX/XX/2016. Since he could not retrieve it, I asked Wells Fargo to restore the funds to my account. XXXX claimed they could not do that. So, the funds are not in my account, nor are they in my brother 's account. No one at XXXX seems to know where the funds are or how to reverse the transfer. I sent a letter to XXXX in the XXXX Mail on XX/XX/2016 and have received NO response. XXXX attached. 
How can I get these funds returned?
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and an item continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first learned of this Collection in XX/XX/XXXX when it appeared on my credit report. I was unable to find much information and unable to get information from Harvard Collections. I filed disputes with the credit bureaus. The collection was removed from my credit report in XX/XX/XXXX. I have not received so much as a phone call, let alone a letter or bill from Harvard Collection Service between XX/XX/XXXX and today. XX/XX/XXXX, Harvard Collection Service once again puts this same Collection on my Credit Report, which apparently stems from an alleged outstanding bill with the State of Illinois and has been an unpaid {$20.00} Collection since XX/XX/XXXX ( original creditor and date of XX/XX/XXXX finally showed up this time around. ) First of all I have not lived in the state of Illinois since XX/XX/XXXX. I was never aware of an outstanding bill of any type with the state and do not know the original origin of this outstanding bill. How does it take over 14 years to appear as a Collection on my credit report? 

Second, I filed XXXX XXXX Bankruptcy in XX/XX/XXXX, which was discharged XX/XX/XXXX. If I had known of this debt and was unable to pay this debt, it would have been included in the bankruptcy. 

Third, as previously stated, I have never received a phone call, bill, or letter about this alleged debt/collection. I can get no information from the company. I dont understand how a debt collection agency can refuse to provide any information but is able to report these things as a Collection on my credit report
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 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX
Product: Student loan

My student loan portal on Nelnet.com shows that I have made no attempts to pay them once loans resumed repayment in XX/XX/XXXX. I have made numerous attempts starting in XXXX to repay my student loans. I first tried doing so by setting up XXXX XXXX. I received an email shortly thereafter in XXXX citing the payment did not go through due to insufficient funds. I determined this was not the case after reviewing my bank account ; Nelnet never tried to pull the funds from my bank at all. I have since attempted to make payments via the website and by telephone. In both instances I received a confirmation as recently as XX/XX/XXXX that my payment was entered in their system. It is now XXXX and Nelnet is now contacting me again saying I am past due. As far as I can tell I have no way to submit payments to them that will actually be recorded in the system. This jeopardizes any forgiveness I might receive for making consistent payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently a victim of identity theft I filed FTC reports I've contacted consumer agencies for over 30 days I received response from consumer agencies stating they would keep inaccurate information on my report
Product: Credit card or prepaid card

This company has called me 27 times spanning from XXXXXXXX XXXX XX/XX/XXXX to now, XXXX XXXXXXXX XXXX The following are exact dates and times of the calls. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are several student loans that is reporting inaccurate status. They are reporting that I was 90 + days late and this information is incorrect. Please remove this inaccurate status. I was never 90+ days late on the following accounts : Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5200.00} ; I was never late 90+ days late Dept of EducationXXXX XXXX Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$11000.00} ; I was never late 90+ days late Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$4800.00} ; I was never late 90+ days late Dept of EducationXXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3500.00} ; I was never late 90+ days late Dept of EducationXXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$1400.00} ; I was never late 90+ days late Dept of EducationXXXX XXXX Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$6800.00} ; I was never late 90+ days late Dept of EducationXXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3300.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3900.00} ; I was never late 90+ days late Dept of EducationXXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5300.00} ; I was never late 90+ days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 60 days late XXXX XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 30, 60, 90, 120 or 180 days late XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$35000.00}, XXXX, & XXXX ; I was never 30 or 60 days late
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am formally requesting the removal of the fraudulent accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following bankruptcies were fraudulently added to my credit report : XXXX. Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request the removal of the following fraudulent inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I filed a Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX with XXXX Bankruptcy XXXX. My discharged date was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from Global Solutions, XXXX. They are representing a payday company. I asked her who is the company but she said it so fast I did not understand her. They also called my son. I called them back on XXXX ext. XXXX an spoke with XXXX. I advised her that I had filed a Chap.XXXX She advised me that I had committed fraud. I hung up on her. She proceeded to call me back but I did not answer the phone. The phone rang at least 10 times. I called the lawyer that I had file the Chap-XXXX with and was advised to report my complaint to you because it was a scam. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Acct # XXXX Re : Acct # XXXX To Whom It May Concern : I recently received a copy of my XXXX and XXXX credit report, and I noticed some late payments posted on my credit reports : Mercedes Benz Financial Services . Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX .... balance {$8200.00} XXXXXXXX XXXX XXXX XXXX XXXX .... balance {$9800.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX... XXXX {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX  XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful. 

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. US DEPT. OF EDUCATIO - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. DEPT OF ED on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )