23daVinci/CFPB_Complaints huggingface dataset:
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. 

List of Unauthorized Inquiries : XXXXXXXX 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 oth
er 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 card or prepaid card

XXXX has been a customer of Chase Paymentech since XX/XX/XXXX. We are a small restaurant that typically processes about $ XXXX a month in credit cards. Up until XX/XX/XXXX everything was fine. Credit Card payments were coming through on a timely basis. On XX/XX/XXXX I stopped receiving my batches. I called and was told that Chase had made a mistake and my account was on hold for seven business days until they could fix the problem. Seven days later, no deposits were coming through. I called again and they said they didnt know what the problem was but that it was on their end and it would take another seven days for the account to be reactivated. At that time {$32000.00} in deposits was missing from my account. Below are the amounts. 

XX/XX/XXXX {$1700.00} XX/XX/XXXX {$6700.00} XX/XX/XXXX {$6700.00} XX/XX/XXXX {$2100.00} XX/XX/XXXX {$2800.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$3600.00} XX/XX/XXXX {$700.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$420.00} XX/XX/XXXX {$1000.00} Finally, on XX/XX/XXXX I received a {$12000.00} deposit. {$19000.00} was missing. When I called again I was told that they Chase had not taken out their fee from three months previous. To this date Chase refuses to XXXX admit wrong doing. XXXX. Give evidence that I actually owe that amount. XXXX. Refuses to workout an amicable solution. 

During this time I suffered financially. This is a small mom & pop restaurant that only keeps $ XXXX of operation capital on hand. {$32.00} XXXX dollars being withheld for Chase 's mistake caused me to get behind on rent, XXXX XXXX XXXX bills, food purveyors etc. This was unprofessional and unacceptable business practice on Chase 's part.
Product: Payday loan, title loan, or personal loan

I was in a tight situation financially, and needed a little money to pay one of my other monthly obligations due to being laid off for a time with no unemployment insurance. My credit score had dipped for a while so I had to go to a " poor credit score '' lender. I was able to borrow {$900.00} which got me through a hard week and kept everything financially afloat. 
I have been making bi-weekly payments for several months without missing any, and so I called the company for a payoff when it looked like I might be able to get this off my back and out of my budget. I had made 10 payments of {$130.00} at the time of the inquiry to their service dept., and figured that like other lender payoffs, the payoff amount would be less than a multiple of the amortized payments left. No such luck! They told me at the end of XXXX that the payoff was @ {$980.00}!! I have already paid {$1700.00} to date ; as of XX/XX/XXXX, and the payoff is still only the amount of the original principal! 
When I reviewed the original disclosure of terms before signing, I knew that because of my lower credit score, that I would not have favorable or low interest. I saw a " 1.09 % '' daily interest rate, and was not thinking that I would carry this loan more than a month or two. So, yes I'm stuck in this loan, paying $ XXXX or so and this lender is offering no early breaks. This is clearly a predatory lender ; circumventing US financial laws by virtue of being a federally recognized XXXX tribe! 
Upon closer scrutiny of the fine print in my contract, the loan agreement is governed by the XXXX XXXX XXXX XXXX of XXXX XXXX! They claim " Tribal Sovereign Immunity '' from suit and have a " Tribal Dispute Resolution Procedure '', which I technically could employ if I wanted to. I just wanted you to know that while I signed a contract which binds me, it still doesn't nullify the abusive and predatory nature of these loans which are extortionary by design and put people like myself, who have decades of good credit practices into an oppressive situation when hard economic conditions come upon us. Thank-you very much for hearing me out! Perhaps legislation can be introduced in the future which limits lenders of any kind from abusive practices.
Product: Debt collection

The company  Commonwealth Financial  ;   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , PA  XXXX  has listed  six  collections in the amount of : {$92.00} ; {$270.00} ; {$470.00} ; {$210.00} ; {$210.00} ; {$210.00} on my credit report. Please be advised that I am disputing these collections due to the fact that  Commonwealth Financial  does not currently have a valid license in Florida to collect on debts. This is information, according to the Florida  Office of Financial Regulation ;   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . It states that their license is " REVOKED/VOIDED.
Product: Credit reporting or other personal consumer reports

I am challenging four different reports of late payment and one report of a " write off '' from XXXX when the loan is current and I've not stopped making payments. 

I'm filing this complaint against XXXX, XXXX AND EXPERIAN XXXX XXXX. Im disputing the WRITE OFF and the two late payments XXXX XXXX and XXXX. I am current with their collections department, XXXX XXXX XXXX, and it is not being reported as such. 

XXXXXXXX XXXX. I'm disputing late payments in XXXX ( XXXX, XXXX, XXXX and XXXX ). XXXX ( XXXX and XXXX ) and. XXXX ( XXXX ). 

XXXX XXXX XXXX. Im disputing XXXX ( XXXX ) and XXXX ( XXXX ). 

XXXX XXXX XXXX XXXX disputing XXXX ( XXXX, XXXX and XXXX ) and XXXX XXXX. 
XXXX. Im disputing XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX, Date Opened XX/XX/2023. XXXX, Account XXXX, Date Opened XX/XX/2023. I have included attachments and laws to show how these accounts are violating the law. Please review laws and attachments of the errors. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
****I DEMAND THE PROCESS AND PROOF OF YOUR INVESTIGATION****
Product: Student loan

On XX/XX/2023, I made a payment of {$1000.00} to be applied in repayment of my federal student loan to my then-assigned Student Loan Service Provider, XXXX. The payment processed and was cleared on XX/XX/2023. In the ensuing months, XXXX was absorbed by another student loan service provider called Aidvantage. I was sent an email communication notifying me of this change, created a new login for my account under Aidvantage, and saw that my previous payment of {$1000.00} was not appearing in my account details. I have called Aidvantage multiple times requesting this be fixed only to find it still has not been fixed and have provided Aidvantage with the payment confirmation details from XXXX ( the proof of payment provided was an official email/digital receipt that was emailed to me inclusive of the payment confirmation details, account number, and related dates ). I have since called Aidvantage again only to be told that they have conducted an investigation and they have concluded they require me to provide a bank statement showing proof of payment to XXXX. It is the student loan provider 's responsibility to maintain loan records and - to the extent a loan service provider is either absorbed by another student loan service provider or is the student loan service absorbing another- it is the SOLE RESPONSIBILITY of the student loan service provider in question to maintain accurate transactional records of the accounts in which they are taking over. I have spent countless hours dedicated to trying to fix this issue to no avail. The first time I called to address this issue should have been the last time. However, it was not and I have now opened repeated requests for further payment history to be shared on my account. It is the responsibility of XXXX and the due diligence of the acquiring party, Aidadvantage, to have absolutely ensured accountability of ALL PAYMENT RECORDS made by account holders. I am now being told I need to provide further bank statements as proof of payment. Nowhere is there policy information provided pertaining to requiring bank statement records in order to ensure my previous payments are posted to my account - outside of providing the receipts sent to me by XXXX of payments made, I should not be held accountable or required to take further action on ensuring payment records are kept accurate between XXXX and Aidvantage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In effort to save money and take advantage of the lowest mortgage interest rates I tried to refinance more mortgage this week. Sadly I was declined. After multiple disputes and investigations into my credit report all three credit bureaus are still broadcasting their complete bias to my social security number. The following closed accounts are still inaccurately appearing on my credit file : XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX Opened XX/XX/XXXX, XXXX Card XX/XX/XXXX, & XXXX XXXX opened XX/XX/XXXX. Since XXXX of XXXX I have requested month to month dispute requests to send me complete information to include points of contact and methods used to verify these negative reported accounts. The credit bureaus have refused to do this but instead said they were verified and closed the investigations. Some of these accounts are over 10 years old and are closed. There is no good reason they should still be showing on my report and I'm asking that all of these accounts be deleted from my credit report. Thousands of dollars on representation, higher interest rates, and declines have put an enormous amount of stress on my ability to provide for my family. On top of it all the bank credit pulls are still showing up to 100 points under the consumer facing credit reporting systems. It is time to erase the numerous inquiries and negative credit accounts. I've been held in credit jail long enough.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

i made a purchase from a suit website called XXXX XXXX XXXX ( XXXX ), the suit didn't fit so i returned it a week later. 

The Company never gave me a refund, so i opened a dispute with my credit card ( Chase XXXX XXXX ) Chase stated they said i never returned the item, but i provided an email from the company stating they have received the item and will be giving me back a refund. 

the item was purchased on XX/XX/XXXX for XXXX it has been over two months now and i still haven't received my refund : ( documents attached as well...
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage was transferred to another bank and incorrect charges were applied to my payments. I was in contact with the bank for almost   XXXX   months and then they reported me to the credit bureau. I attempted to refinance my mortgage and found I had been reported as delinquent by  XXXX  days for  XXXX  and  XXXX    XXXX  . I have since received a letter from the company apologizing and stating they will notify the credit bureaus within  XXXX  days. I need this resolved as this is the only adverse information on my account and I need to refinance.
Product: Credit reporting or other personal consumer reports

I dont know who these company 's are that are doing these inquire on my credit XXXX XX/XX/23 XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXX XX/XX/23 XXXX XXXX XXXX XXXX XX/XX/23
Product: Student loan

So the problem is Sallie Mae. Between XXXX I attended a FOR-PROFIT COLLEGE located in XXXX, CA. In total, I was charged more than {$24000.00} dollars. My education processes lasted 8 months ( or less ). 

Of the For-Profit College that I was originally encouraged to attend, was then named XXXX College. I was charged {$24000.00} dollars ( that was all taken in even before the first day of class ).  Included all student fee-wavers and student aid where all subject to be taking in by XXXX College. Since the first day of class, till the end of the remaining last month, the institution lacked the value of its representation. Its education method lacked intellect. And encouragement was misleading. It promotion methods about direct job training was misleading. Its assurance of a Job was lacking in fact. 

A few months after the end of the 8 month ( or less ) education process by XXXX College, I lacked the ability and the chance to find a job. 

Once I did apply, and was brought in ( 5 months after receiving a degree from XXXX College ), the skill and training required lacked the intellect support required. 

XXXX College became XXXX College that same year I was given a degree. ( Lacking support to a students education - trust and worth ). 

My education title was then - XXXX XXXX. 

After seeking for a job near-to 5 months after receiving my XXXX College degree ( XXXX College XXXX ), I receive a job. Four months later, I was terminated for lacking of XXXX  knowledge. Afterwards, I was notified that XXXX College no longer existed but was instead a new college called XXXX College ( XXXX College XXXX ). 

I was never able to climb or find a job with the education I. received from XXXX College. 
The staff and employees from XXXX College ( XXXX College XXXX ) who once told me of the value of education and assurance, where then avoiding or changing the policies they stood for. 

XXXX College XXXX applied for bankrupt. 

I am still being charged for an education that was defrauding students. 

Sallie Mae sold my information to Navient ( or switched to ) and Navient wishes me to pay the remaining loan money that XXXX College ( XXXX XXXX ) - XXXX College XXXX - originally charged me for. 

I was, with thousands of students, defrauded by a FOR-PROFIT College Inc. who assured every student, but now attempt to avoid any fault. Navient is ignoring the fact and using the means used by XXXX College XXXX to defraud students. 

NAVIENT is currently charging me for a fraud brought about by XXXX College XXXX.
Product: Credit card or prepaid card

I applied for an XXXX Credit Card, it was delayed, wanted verification of whom I am asked me to call their REP. I did no questions were asked of me just left on hold for a while then call concluded. next I received a letter from XXXX XXXX Creditor their letter said regretfully I was denied Credit based on the information they received from various databases and their Customer Service Agents questions, I received no questions from their Customer Service Agent. The his is Discriminatory, XXXX and Illegal. 
I know whom I am my ID can be verified CA DMV with fingerprint, the Social Security Office XXXX XXXX, XXXX XXXX etc. I am sure my DNA is available to be checked. 
This is Discriminatory on the highest level.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I bought a vehicle at XXXX of XXXX XXXX and my credit was ran. I left that day with my car. On XX/XX/XXXX I received credit alerts that my credit had been ran again by XXXX XXXX XXXX XXXX. 
I called them to inquire and to also state I had not authorized another credit check. 
Ended up being they messed up something on their side and our contract was null and void. So they ran my credit again hoping to fix the problem without me knowing. 
I would like to have their inquiries removed since I did not sign consent for them to run it. 
The XXXX XXXX XXXX is XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint involves XXXX, Equifax and XXXX. I have attempted many times to correct inaccurate information and each agency refuses to do so without providing me any documentation to justify their position as required. The two most egregious inaccuracies of late involve XXXX XXXX and XXXX  XXXX XXXX reporting to these agencies without noticing me that they are doing so and providing me an opportunity to opt out of reporting as required, nor do the credit agencies provide me with the information sent to them to justify their reporting. Both of the aforementioned accounts listed by XXXX XXXX XXXX XXXX XXXX XXXX are listed as charged off on my credit report. According to the IRS, this would constitute income for me yet I have not received any 1099 's from these banks because in reality, they are outstanding securities that belong to me and are owed to me. Income is not allowed to be reported on any credit reports, so this is a major violation going back at least two years for each bank. That would be {$150000.00} in fines for each bank for reporting those accounts alone, not to mention the pain and suffering I have endured waiting for these banks to follow their own regulations and the laws they must adhere to. I require the CFPB to follow the regulations and codes established by the CFPB to protect consumers, me in this instance, and do the following : Have these inaccuracies corrected on all three credit reports and listed as paid as agreed and paid in full AND send me the fines I am due for their continued violation of my protected consumer rights AND return my securities to me that they have been using and profiting from with interest.
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. 

Account name : XXXX  Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX  XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  has violated my rights. Or 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 or other personal consumer reports

To this day, I am still waiting to receive verifiable proof that these items are accurate. I feel like I'm being abused and being ignored for my disputes. FCRA Section 611 ( a ), clearly states that you must investigate and provide who provided the information in dispute, including all relevant information regarding the dispute received by the agency. I am requesting these items be immediately removed from my credit report. As no proof has been provided, they report unverifiable, invalidated, inaccurate, and questionable items in my report. I demand these accounts be deleted immediately, or I will file for litigation due to the XXXX  you have caused me. The XXXX data breach also impacted my information and may have gotten into the wrong person 's hands. Thank you for your time in this matter.