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

- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXX XXXX : - Company Name : XXXX XXXXXXXX - Address : XXXX XXXX XXXX, UT XXXX Complaint : I am submitting this complaint to request the deletion of the XXXX XXXXXXXX account ( Account # : XXXX ) from my credit report. This account is inaccurate and is causing harm to my credit score.

The account was charged off as bad debt, but I dispute this claim. I request that the CFPB take immediate action to mandate the deletion of this account from my credit report. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

4. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.

5. _15 U.S.C . 1681c ( a ) ( 4 ) _ : This law prohibits the reporting of a closed account with an ending balance, as it is considered inaccurate and misleading.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 been following up with Transunion for the past couple of months for the accounts that you can find in the attachments that i need to be removed from my account but they have not been able to do so. Thats why i am asking for your help now to have the false accounts removed from my credit report because it has been causing me so much distress already.
Product: Credit reporting or other personal consumer reports

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX  XX/XX/2023
Product: Credit reporting or other personal consumer reports

have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( Please remove this account before I seek litigation for defamation of character ). 
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
Product: Debt collection

I cancelled my XXXX XXXX around XXXX in XXXX, after noticing I was still being charged for several months while the gym was closed due to the Covid-19 pandemic. I spoke with two of their employees ensuring I would be reimbursed for the amount taken from my account during their closure. The first staff member I spoke with asked few questions and said I should expect to be credited within a couple days. The credits did not get refunded so I reached out a second time and spoke with another staff member who helped me through the process of crediting my account as previously promised. During that same conversation I informed them the coronavirus outbreak resulted in me losing my job and I needed to cancel my gym membership. She said I could cancel at that time, or instead, I opt for a temporary account hold that would automatically renew in six months. I refused the hold and clarified I was only interested in cancelling as I was in a state of financial uncertainty and had concerns about health safety. She verbalized understanding and agreed to cancel my account. 
Over a year later in XX/XX/XXXX, I was reviewing credit card statements and noticed the XXXX had been charging me monthly membership fees ( $ XXXX. XXXX from XX/XX/XXXX - XX/XX/XXXX. I contacted their customer service on XX/XX/XXXX about the mistake, and informed them I had not been a member, nor had I attended their facilities since their shut down during the pandemic. 
After many weeks, the XXXX charges had not been refunded so I consulted with my credit card company via telephone, to investigate the issue. 
XXXX XXXX refunded my account and proceeded to contact the XXXX requesting documentation proving valid membership, or a term agreement showing I was financial responsible for fees from XX/XX/XXXX - XX/XX/XXXX. 
Due to the XXXXs lack of communication and failure to provide documentation, XXXX XXXX fraud investigations concluded I was not responsible for the disputed charges, I won the case and the claim had been closed. 
Shortly after, the XXXX began sending threatening letters and emails regarding an outstanding balance. 
Next, on XX/XX/XXXX, I began receiving TransWorld Collections notifications stating theyd taken on the debt of {$170.00}. The first letter explained that it was my Right to notify the agency within thirty days informing them of inaccurate/disputed charges, which I did. 
Since the case has closed, Ive continued to be harassed by both the XXXX, and TransWorld Collection Agency falsely accusing me of owing {$170.00}. The investigation preformed by my creditor supports that I do not owe any money to the XXXX, nor do I owe TransWorld Collection Agency. 
I lost my job during the pandemic and was unemployed each month I was unknowingly charged for a membership I did not agree to. Im disgusted on how unethically the XXXX has handled this issue, and I do not deserve to be continuously taunted with debt threats from TransWorld Collection Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent XXXX periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

I opened a new account a few month ago. Since that time I have been trying to set up an on line account so I can have my direct deposit go to my account. After numerous very rude and unhelpful calls they are unable to help me. I checked my balance at a foreign ATM and TD bank charged me {$3.00} leaving my bank in the negative. I tried again to set up an online account as I am home bound at this time. Once again, it could not process my request. I then called XXXX atXXXX XXXX XXXX. She s the person I set up my account with. Once again rude unhelpful people calling me honey sweetie etc. and still no help. I then called XXXX at the XXXX office XXXX XXXX XXXX and told him I wanted to close the account to which he replied you have to come in to do that because you have a negative balance of {$3.00} ... I told him I was unable to come in and he said that he could not close my account. At this point I was so frustrated and angry I yelled CLOSE MY ACCOUNT NOW! I detest this bank and their rude unprofessional unhelpful customer service. Can you please help me to close this account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency refused to respond to debt validation request. Credit reporting agency continues to report after dispute
Product: Credit reporting or other personal consumer reports

NARRATIVE My personal information was used without my permission to open fraudulent unauthorized accounts. I have contacted credit bureau and furnishers to report the inaccurate information being reported to my credit report that needs to be blocked and deleted. I am now contacting law enforcement to report the identity theft below Unauthorized fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amer fst fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I went to deposit the {$120.00} in the ATM at US Bank XXXX XXXX XXXX XXXX ( it was XXXX  XXXX and the lobby was closed ). I selected to deposit the cash in the ATM ( XXXX - {$20.00} 's ) and when the cash was pulled into the machine there was a longer wait than normal while it was trying to proccess my cash deposit. Then it said " A machine error has occured, unable to complete deposit ''. It printed out a receipt with no dollar amount stating " a machine error has occured, we are unable to credit your account ''. So it took the entire {$120.00} and did not give it back. I immediately called US Bank customer service and they opened a claim. They said it could take up to 10 business days to investigate and get my money back. I need to file this early in the " investigation '' because I am certain I will not get my money back, and I am furious. All I have is a receipt that shows NO dollar amount verifying how much I tried to deposit, I'm pretty certain they have no way to actually track it in the machine and verify the amount I lost.. 

This has devastated me. I receive GA every month ( {$120.00} ) which I always deposit into my checking account at US Bank, once I withdraw the cash from my XXXX card ( at XXXX XXXX XXXX there is no surcharge ). That WAS THE ONLY MONEY I HAD TO MY NAME!, and now it's GONE and I am SCREWED because I needed that money urgently for personal needs and a couple of bills. This is just WRONG and UNACCEPTABLE for ATM 'S that are designed to handle check/cash deposits to make errors like that and to just keep the money. This same thing at the same ATM did the same thing last summer when I tried to deposit {$100.00}, the ATM " ate '' the money and a claim was filed, I got it back. because the ATM was able to give me a receipt that showed {$100.00} deposit but not credited to my account. I thought that incident was just a fluke, because I have made a bunch of smaller cash deposits in the same ATM since then, including a {$25.00} cash deposit the night before and it worked just fine. THIS TIME, it ate the ONLY money I had and just gave me a receipt with NO dollar amount so I guess I am out {$120.00} dollars and I desperately needed that money, and I am really suffering because of this loss. I strongly suggest US Bank customers not to use their ATM 's for depositing cash/checks, they take your money and you don't get it back. Another customer a while back told me in passing that that particular ATM doesn't work right. So if they knew their ATM had issues why didn't they fix it??? Malfunctions in ATM 's like that with no measures in place to eject the money back out in the event of an 'error ' is unacceptable. This error has caused significant problems for me and I am really suffering because of it, and this should not ever happened in the first place, I need my money back ASAP!!!
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have sent 3 certified letters to this company informing them that this is not me I have asked them for verifiable proof with my signature as required law and all they sent me back was a copy of the charges the deft still shows on my XXXX  credit report My name is legally XXXX XXXX however due to my employment my name on my insurance card is XXXX XXXX and so my health report with this hospital would be XXXX XXXX not XXXX so clearly this is not my bill I have in the past been a victim of identity theft I am also a member of a class action lawsuit against Penn Credit for violations of Fair Debt Collection laws and their refusal to remove this from is in retaliation
Product: Debt collection

On XX/XX/2018 I wrote a Validation Letter to XXXX XXXX and sent the letter via email to XXXX, and XXXX requesting additional information about a medial debt. More specifically I requested which doctor, or facility I was seen at, and an original bill or detailed statement of procedure preformed. One day later, XXXX sent me a letter with the same information that I already had but XXXX still couldn't tell me where I was seen, or what medical service was preformed. I am currently writing XXXX an email that references XXXX Circuit Court of Appeals, XXXX v. XXXX, to give them an example of how the court gives the interpretation of verification.
Product: Credit card

I filed disputes with Barclaycard Master card on XX/XX/2016. First after 3 months they just closed the dispute then reopened it when I called about it and then closed it again after another 2 months. They felt the merchant was in the right. I do n't feel they fairly represented me the customer. They never even bothered to give me a call. All calls were initiated by me and I never got what I felt were fair responses. I had provided them with a lot of information to prove my disputes but they showed me nothing the merchant provided to prove me wrong. I was left with the impression that they just did not want to take the time to follow through with my disputes since it involved a lot of money. My other Credit Card companies took far less information and found in my favor. They did not even offer arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act. The list of accounts below has violated privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX acct XXXX XXXX XXXX  XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602 ( A ) States I have right to privacy. It also states the consumer reporting agencies can not furnish an account without my written consent. In section 604 section 2 15 USC 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 more than seven years.

15 USC 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

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 a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$24000.00} This does not belong to me XXXX XXXX, XX/XX/XXXX, {$1200.00}, This does not belong to me XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. This does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, This does not belong to me. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This does not belong to me. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX freedom financial XXXX, XXXX XXXX. {$36000.00} XXXX XXXX XXXX  XXXX XXXX {$96.00} XXXX XXXX XXXX XXXX, {$10000.00}, XX/XX/XXXX. Does not belong to me.
Product: Credit reporting or other personal consumer reports

Three student loans originally serviced by Nelnet Loan Services Inc. were transferred to Dept. of Education/Nelnet ( or XXXX/Nelnet ) XXXX but now XXXXwo versions of each loan appear on both my XXXX and my XXXX credit reports -- one version correctly categorizes each loan as " OK '' or " Pays As Agreed ; '' it also reflects the federally mandated student loan deferment which began in XXXX and, for me, ends XX/XX/XXXX. These correct items are, per my credit reports, services by either Dept. of Education/Nelnet or XXXX/Nelnet. 

The other version of each loan is listed as 120+ days overdue, does not reflect the federal deference, and includes several quirky errors ( i.e., dating the last payment as 1901, citing overdue payments yet also having " No information '' for that payment period ). This is the incorrect version. Nelnet Loan Services Inc. is listed as the servicer of these loans. 

Note that my XXXX credit report seems to be accurate. 

I disputed the incorrect versions with XXXX and XXXX earlier today ( XX/XX/XXXX ) after attempting to contact Nelnet directly to no avail ( all my calls were dropped during a long wait time ). 

Below please find relevant loan details : Incorrect Item # 1 : Nelnet Loan Services Inc. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX ) Account Ending in XXXX Opened XX/XX/XXXX Appears on Page 86 of XXXX Report ; Page 24 of XXXX Report Incorrect Item # 2 : Nelnet Loan Services ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ) Account Ending in XXXX Opened XX/XX/XXXX Appears on Page 88 of XXXX Report ; Page 19 of XXXX Report Incorrect Item # 3 : Nelnet Loan Services ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX ) Account Ending in XXXX Opened XXXX XX/XX/XXXX Appears on Page 90 of XXXX Report ; Page 14 of XXXX Report
Product: Debt collection

I havent Been to XXXX XXXX emergency in XXXX Verified by calling Billing Department on XX/XX/XXXX at XXXX My Account Balance with them is {$0.00} I have disputed Ability Recovery Service Company Several times. : XXXX XXXX. XX/XX/XXXX. {$760.00} amount is Not Mine. It is Preventing me from getting a mortgage loan. Please Remove or post to my account for Detailed Reason for Collection Amount inaccuracy XX/XX/XXXX
Product: Student loan

1. All of the monthly payments that I make to Navient is applied 100 % to interest and 0 % to principal. So the loan balance amount never goes down but only increased with time. 2. I work as a XXXX XXXX XXXX for XXXX XXXX XXXX. I have been working for the past 8 years XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called Navient to apply for public service loan forgiveness program several times in the last 7 years and was told that I can not apply for it, because my loan is not qualifying type of loan.
3. Navient refused to answer my questions about above 2 issues. 4. No matter how many payments I make, loan balance is not going down. I have been making payments for 16 years.