23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

unauthorized {$250.00} money transfer on XX/XX/year>XXXX  contacted my company told me theres nothing they could do on XX/XX/year>XXXX  {$470.00} was taken from my account to an unknown XXXX user. overall had a terrible experience with my bank and XXXX
Product: Credit reporting or other personal consumer reports

I was shopping for a vehicle at a dealership and gave them verbal and written permission to send me to XXXX lenders. They ended up sending me to XXXX lenders. They did by request submit a letter to give to the lenders that they didn't have permission and my information was sent by mistake. The problem is that the credit bureaus won't use that because it was identity theft and it's impossible to get a hold of anyone at the lending institutions to have those inquiries removed from XX/XX/year> from the following Ally-pulled my bureau 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 They should all have a number to reach someone but no one ever knows what to do. Trying to buy a house as well and this is going to hurt me
Product: Student loan

I attended the XXXX XXXX in XXXX XXXX and the XXXX XXXX in XXXX, resulting in over $ 100k in student loans. I believe this to be fraudulent since I was never told of this amount and the school is currently under investigation for fraud from the US Dept of Justice. 
But today my complaint is about XXXX XXXX/Navient. 
I suffer XXXX and was unable to find employment. I qualified for a XXXX Discharge. 
Recently, this year of 2015, the XXXX XXXX XXXX and the Federal Government have granted my XXXX application for over $ 60k of the overall student loans. It took four months to process my application. 
Navient XXXX XXXX XXXX XXXX have denied my XXXX application for the past two years for $ XXXX in Private loans. 
They continued to send me bills during the review process. Both Navient and XXXX XXXX have told me that there was no XXXX discharge for the Private Loans when I had the very forms in my hands. 
Navient told me that the insurance company that evaluates my application makes the final decision. When I called the insurance company they told me that Navient makes the final decision. 
Even after Navient learned of my XXXX approval from the Federal Government, they still denied my application. 
I believe that Navient will never approve my application even though I had a XXXX fill out the XXXX application more than once. I no longer trust this company and am unsure how to act. After I read of the possible lawsuit and the complaints from other borrowers being cheated and overcharged, I decided to submit this complaint for assistance. 
I am filing this complaint for further assistance and hopes of resolving the matter. I can provide documentation of my XXXX approval from the XXXX XXXX XXXX XXXX and the denial letters from Navient/XXXX XXXX as well as personal documentation.
Product: Prepaid card

I went on the Unemployment website and it says I have benefits that have been paid I then logged into the Bank Of America EDD card website and the card has been used and has unauthorized transactions I've tried to contact them and resolve this major issue with no help at all I've requested a new card after speaking with someone from unemployment and her letting me know the money has been sent to a card and the card was activated. This goes all the way back to XXXX of XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

When viewing my Experian XXXX XXXX, 2017 credit report under : report-summary > account-summary > P3 I see I have a total : 1 open account 15 collection accounts Time since negative : Never This I found very misleading as it says, the time since the last late payment or other negative event was posted to my credit report is " Never '' I continue to Accounts > Open-accounts > pg.3 to see my XXXX  account Status : " Negative '' The same page also states " Experian has no closed accounts on file for you as of XXXX XXXX 2017 '' Finally I reach the Account-details Tab Where my XXXX XXXX account is reflecting a 60 day past due payment ; so now I 'm really confused! XXXX never reported any missed or late payments previously yet my account Status is negative showing late payments and in the same report Experian reported that " The amount of time that has passed since the last late payment or other negative event was posted to your credit report '' is " Never '' I feel the information being provided to me as a consumer in regards to my credit report are false and misleading. I 'm providing a copy of my XXXX XXXX payment history. Along with my credit report, as I have viewed at Experian.com
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Reporting on my Discover Credit Card Account Dear Sir or Madam, I am writing to formally dispute the inclusion of late payments on my credit report for my Discover Credit Card account. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., I request an immediate correction and removal of any such inaccurate or unfairly reported late payments.

Under 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), a " consumer report '' excludes any report containing information solely related to transactions or experiences between the consumer and the entity making the report. As such, late payments that do not impact creditworthiness beyond the direct relationship between Discover and myself should not be reported to consumer reporting agencies as adverse credit events.

Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information must not report information that they know or have reasonable cause to believe is inaccurate. If the reported late payments resulted from extenuating circumstances, billing errors, or delays beyond my control, their inclusion on my credit report would constitute a violation of this provision.

Additionally, the FCRA grants consumers the right to dispute the completeness and accuracy of any item in their file. Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, a credit information furnisher must conduct a reasonable investigation and delete or correct any information found to be inaccurate or unverifiable. 
Given these legal protections, I formally request that this company review this matter and remove any late payment not in compliance with the above provisions. Please provide written confirmation of the actions taken within 30 days, as required under FCRA. 
Should you require any further documentation or clarification, please let me know at your earliest convenience. I appreciate your prompt attention to this matter. I have attached a copy of the law, which says that the alleged late payment ( XXXX ) should not be reported on my credit report. I ask you kindly to abide by the law and update my account to be paid as agreed. 
Sincerely, XXXX XXXX
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 1681s-2 ( A ) ( a ) 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.

Delete the accounts below : Creditor Name : XXXX, Date of inquiry : XX/XX/XXXX, Equifax Creditor XXXX : XXXX, Date of inquiry : XX/XX/XXXX, Equifax Creditor Name : XXXXXXXX XXXX XXXXXXXX XXXX , Date of inquiry : XX/XX/XXXX, Equifax Creditor Name : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, Equifax Creditor Name XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, Equifax
Product: Debt collection

The debt collection company repeatedly said via voicemail I would be served a summons. When I contacted them, they informed me that the company they represented intended to file charges against me for fraud. They said that if i did n't make a payment that day that the company they represent would have someone come to my home or work to send me a criminal summons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX 2014 I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!! Amount : {$2700.00} Reported XX/XX/XXXX Filed 1XX/XX/XXXX XXXX County Superior Court
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in removing the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the department of education they stated my account is in good standing, however my credit report have a negative derogatory score. The Department of Education told me to write the Consumer Finance Protection Bureau. So they can notify the credit bureaus.
Product: Money transfer, virtual currency, or money service

Transaction with MoneyGram on XX/XX/21. There were 3 unauthorized money amounts sent ( {$810.00}, {$810.00}, {$200.00} ) to XXXX. A country we never sent money to. We contacted MoneyGram on XX/XX/21 about how this happened, why the suspect transaction was not stopped and a refund. MoneyGram could not provide any information to assist or explanation how this happened.
Product: Credit reporting or other personal consumer reports

" My personal information and data were involved in a consumer data breach, which has negatively impacted the accuracy of my credit report. ''
Product: Debt collection

XX/XX/2019 XX/XX/2019 XX/XX/2019 these dates are fraudulent activity. im disputing these accounts with the intent to remove this
Product: Credit reporting, credit repair services, or other personal consumer reports

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 given reporting agency can not furnish an account without my written instruction.

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

I recently viewed my credit report and found that, they are numerous accounts ; that were not authorized by me. This is affecting me, in buy my first house for my family.
Product: Debt collection

I received a call from the CBE Group. They knew my mailing address and were trying to use this as a basis to collect debt from XXXX. I have never used XXXX as a buyer nor as a seller. They insisted the debt was mine and tried to suggest that someone in my family or another person was impersonating me. I said that was not the case and yet they still insisted I owed the debt. 

After receiving multiple phone calls from them, I contacted XXXX and they confirmed that no accounts existed associated with my contact information or mailing address, so the debt is clearly not owed by me, but the CBE Group will not stop contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I started my first credit card account in XX/XX/XXXX of XXXX with XXXX. I have gained my 2nd credit card in XXXX of XXXX with XXXX. I checked my credit report just recently to see my hard inquiries and come to find out there is the XXXX inquiry which is correct but also come to find out there is a hard inquiry that is much older from a bank or institution that I completely don't recognize. This inquiry ( CBNA ) was made ( XX/XX/XXXX ) even past months before I even started my first credit card account with XXXX. I would highly appreciate you helping me removing this unrecognized inquiry from my credit report. Thank you and may you have a great day. 

Creditor Contact Details : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Product: Mortgage

I have escrow with Lakeview Loan Servicing , LLC, sub. via XXXX, that was supposed to pay my XX/XX/XXXX taxes on time. XXXX XXXX I received a statement from county tax collector XXXX XXXX that it was not paid, and would be delinquent XX/XX/XXXX. I had to call XXXX 4 times, and email on XX/XX/XXXX, XXXX, XX/XX/XXXX and today, XX/XX/XXXX. After what seemed like a babysitting process, we finally got confirmation that our county taxes were paid late XXXX XX/XX/XXXX XXXX which will affect my tax return for XXXX. I was assured during my conversation on the phone XXXX XXXX that all taxes would be taken care of. Now today XX/XX/XXXX, I receive another notice that my city tax was not taken care of. Yet again, I am having to call and find out what is the cause of this negligence and delinquency. When I finally get someone on the phone, I am put on hold for 40 minutes, then transferred to someone else who doesn't even know what is going on, refuses to let me speak to someone higher, refuses to let me speak to the tax department of the loan company, and does nothing to resolve this issue, and proceeds to tell me my " taxes won't be paid today. '' Today is Friday - postal services are open ... and therefore this can be taken care of TODAY, as it is already past the original due date XX/XX/XXXX. The unprofessionalism, lack of urgency, care, and rudeness from this company is absolutely INSANE. This negligence needs to be looked into - it's amazing that specially during a time of COVID this type of negligence is happening. I am fully prepared to file all complaints possible and get attorneys involved if this continues.
Product: Credit reporting or other personal consumer reports

There is a total of 4 inquiries on my report that is unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

TRANSUNION for violating my rights as a consumer by reporting on my consumer report an EXCLUSION in accordance with 15 US Code 1681a. A line item listed as XXXX XXXX XXXX 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

( 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.

( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Prepaid card

I have minimal access to my XXXX Debit account, BofA says I have to " work with XXXX '', have had XXXX response from XXXX, I called my former post office to get them to forward mail bc XXXX wouldn't update my mailing address when the card expired. When I log into the account, it sends an email to my account for additional security, but doesn't say which email ( for my security ) and no email arrives at any account. No option to get a text at my phone. No option to update my address from many years ago. The pandemic payment and other government payments may have been sent to the account, but I can't see or access them. It is very unusable. I have not had access to it since XXXX, it will soon be XXXX, I gave up hope
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain.

1. Nothing under 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirement of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority. 
XXXX XXXX XXXX XXXX XXXX XXXX This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was paid as agreed. This account was never charged off as listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account has been deleted from XXXX but somehow it is still being reported by you. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete it and notify the data furnisher and creditor. If XXXX notified you and the data furnisher that it was inaccurate and incomplete, how are you still reporting this information? 
XXXX XXXX XXXX XXXX XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I received an opened letter from XXXX XXXX XXXX due to it being misdelivered to another adress and immediately sent them ( XXXX XXXX XXXX ) a  debt validation letter. XXXX XXXX XXXX received my letter of debt validation as evidenced by attached Certified Mail Receipt. To date, I have not received validation of debt from XXXX XXXX XXXX via mail nor by phone and the negative entry remains on my credit files ( Experian, XXXX and XXXX ). Due to XXXX XXXX XXXX 's failure to validate debt and failure to respond in an appropriate amount of time, I am requesting immediate removal of their negative entry from my credit files immediately due to Fair Debt Collection Practices Act violations.
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. I included a date on the last letter I submitted to the 3 credit bureaus ( " XX/XX/2024 '' ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.
Product: Student loan

I have a XXXX loan, originated in XXXX in the states of California and New York, that Navient apparently took possession of at some point. Navient says it's a private loan that they own. I have called numerous time ( XX/XX/XXXX, XX/XX/XXXX ) and emailed ( XX/XX/XXXX ) requesting a chain of title and/or a promissory note proving that Navient does in fact own my loan. They have been unable to produce such legal documents. I have reason to believe that my loan should be fully discharged on the grounds that Navient does not own my loans.