23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I graduated from XXXX XXXX XXXX XXXX  with a XXXX XXXX  in XXXX XXXX in XXXX of XXXX. I have two federal student loans of {$20.00} that were taken out for this degree. I previously had taken out additional federal student loans to attend law school from XXXX to XXXX. I started to make payments in XXXX of XXXX  on my law student loans. However, my student loan servicer aidVantage informed me in XX/XX/XXXX that my XXXX loans were now due as well because their records indicated that I was no longer a student since early XXXX of XXXX. This is not true. I was enrolled all the way through my dissertation and graduation in XXXX of XXXX. I wrote to them and emailed them about this mistake. I also contacted my school, and they went ahead and made sure the records reflected that I was still an active student. After a few weeks, aidVantage saw the mistake and corrected the error and place when as an XXXX  XXXX. I thought that was the end of the problem. Unfortunately, this issue was brought up again this month. 

In early XXXX, I received a change in my monthly student loan charge without explanation. It turns out that aidVantage went ahead and once again said that my deferment was over since " their records '' indicated that I left school in XXXX of XXXX and that my XXXX loan payments were not due. I contacted them by phone but to no avail. I emailed them and got no response. Finally, I wrote them a letter that included my transcripts showing that I recently graduated, and I included the past emails earlier in XXXX showing that this mistake had been clarify. Again, I received no response. Due to the short time and lack of explanation, I went ahead and made a payment on this new student loan amount to protect my credit score. 

I received an email on XX/XX/XXXX, from aidVantage stating that they were responding to my email and instead of apologizing or asking for documents to correct they basically restated the same incorrect information ignoring the evidence and facts I and the school had provided them. They ask me to contact the school and for them to update records. In short, the people working at aidVantage either did not review my case or simply decided that they are in the right and want to collect regardless of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit reports and was shocked to find so many errors and incorrect information on my TransUnion, XXXX, and XXXX credit reports. There's many errors including incorrect personal information, wrong account dates, wrong account statuses, incorrect balance reporting, and inquiries that don't belong to me. I contacted transunion over 45 days ago and the incorrect information has not been removed so I'm taking a step further to contact the CFPB to fix this issue.
Product: Debt collection

Was called both today and onXX/XX/XXXX at exactly XXXX XX/XX/XXXXboth days by Discover. Even when I told them I can not be contacted before XXXX XX/XX/XXXX they continued the call on a recorded line so there is proof.
Product: Credit card or prepaid card

On XX/XX/2019 I was denied an American Express Card.  Under the federal law Civil rights of 1866 section 1981 this is a federal law prohibiting discrimination on the basis of making and enforcing contracts.  American Express did not provide a suitable reason to deny me access to their credit card.
Product: Debt collection

Identity theft It comes up on my credit report hurting my credit As a collection
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY CREDIT REPORTS, I HAVE A XXXX DAY LATE PAYMENT ON MY SUN FEDERAL ACCOUNTS WHICH WAS DONE IN ERROR. I SPOKE WITH A REPRESENTATIVE FROM XXXX  XXXX BY THE NAME OF XXXX XXXX WHO ACKNOWLEDGE THE ERROR AND STATED THAT THE CREDIT BUREAUS WERE CONTACTED TO CORRECT THE ERROR. I HAVE DISPUTED THIS INFORMATION WITH THE CREDIT BUREAUS AND THEY CONTINUE TO SAY THAT THEY INVESTIGATED THE INFORMATION AND FOUND IT TO BE CORRECT ; WHEN IN FACT IT IS AN ERROR THAT THEY REFUSE TO FIX. MY ACCOUNT WAS NEVER XXXX DAYS LATE AND THE XXXX  XXXX XXXX XXXX SUBMITTED THE CORRECT INFORMATION WHICH XXXX, EXPERIAN AND XXXX WILL NOT FIX. 
THIS IS A VIOLATION OF THE LAW TO HAVE INCORRECT INFORMATION REPORTING ON MY CREDIT FILE, NOT ONLY THAT, MY XXXX XXXX DECREASED OVER XXXX POINTS BECAUSE OF THIS. IT ISN'T FAIR THAT MY XXXX XXXX AND MY CREDIT FILE HAVE TO SUFFER DUE TO AN ERROR THAT HAS BEEN DISPUTED NUMEROUS TIMES AND THESE CREDIT REPORTING AGENCIES REFUSE TO FIX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Client account# XXXX Convergent account# XXXX  

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

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 cannot furnish a account without my permission.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 of 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

The Bank of America send me a letter said current or past delinquency, derogatory public records or collections account, current or past delinquency with one or more of my creditors, Im all way paid my credit card, car loan, student loan on Times. I cant understand why my credit going down for any reason please help thanks
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account Name XXXX XXXX  Account Number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Vehicle loan or lease

Dealer didn't give any information to me. They took huge percentage for loan. This is more than market rates. I asked tham several times who is the loan provider? They didn't give me any printed paper and told that i would learn loan information after receiving mail. So, when i bought the car i didn't know that loan was very expensive. They also didn't tell me the name of loan supplier. I learned its name after their mail to my home.
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 # XXXX Account name : XXXX XXXX XXXX XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve the inaccuracies on my consumer report with consumer reporting agencies ( XXXX, XXXX AND EXPERIAN ) for months. They have knowingly reported false information. I have sent them multiple letters via USPS certified mail with electronic signature, so I know they have received them ; I also have invoices. My consumer rights have been violated for months, and I require a resolution. According to the FDCPA and FCRA, these accounts must be DELETED, not UPDATED at this time, because they have not complied with the law. Among the provisions they have broken are 15 U.S.C. 1681 sections 611 ( a ) and 623 and 15 U.S. Code 1681i - ( Procedure in case of disputed accuracy ). They had 30 days to correct these errors, but they failed to do so. I am also aware that I am eligible for statutory damages ranging from {$100.00} to {$1000.00} per inaccuracy. 

The accounts that I am listing below are the ones that they are still illegally reporting inaccurate information on, and I would like them all deleted : XXXX XXXX XXXX XXXX XXXX XXXX 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 had an active dispute with American Credit Acceptance for months in regards to validating a debt, and responding to the fraudulent retail agreement for my XXXX XXXX. The company has hired agent XXXX from XXXX XXXX XXXX and XXXX to steal my vehicle, in which the company has tried to tow my vehicle while I was already inside it on XX/XX/XXXX. They have threatened to call the sheriffs office and have me removed, they did not allow me to leave with my vehicle, breaching the peace, and they have paperwork to prove that this is all on behalf of American Credit Acceptance. American Credit Acceptance is in violation of consumer law 15 USC 1692f, 15 USC 1681s-2, and 15 USC 6802 . 
The alleged debt has been closed on my consumer credit report since XX/XX/XXXX and charged off and marked as a profit and loss. The company no longer has security interest in the vehicle and is in violation of my consumer rights.
Product: Credit card or prepaid card

We received a refund credit from XXXX for {$800.00} for a purchase previously made on our JPMorgan Chase credit card. When I saw the credit in our account I looked online for a way to transfer that credit amount from our credit card to our checking account, there was none. 

On Saturday XX/XX/XXXX I called the JPMorgan Chase Credit Card customer service. I was explicit with the customer service representative that we wanted the refund immediately transferred into our checking account. She told us she could not do that. Instead she said we would receive an email and would have approximately 4 days to respond to. Responding to that email would allow us to immediately transfer the funds into our checking. 

I watched our email account - including spam folders for the next days, nothing. On Monday XX/XX/XXXX I called again - had the same conversation with a different CSR. She said the same, we should receive an email. I told her again that we wanted the funds transferred into checking without delay. She said she could not do that. 

I continued to watch our email- and spam folder - nothing. On Thursday XX/XX/XXXX I called a third time - and again had the same conversation and was told the same as before. I asked for a manager. He told me that no email had been sent and in fact Chase had issued a paper check, I told him we had zero need for a paper check. Issuing a paper check only benefitted Chase as it further delayed the transfer of our monies into our checking. So in effect, JPMorgan had free money, illegally, from XX/XX/XXXX until yesterday when a check arrived, nearly 3 weeks. 

I believe the actions of JPMorgan Chase are not just wrong, but illegal. They contrevened our explicit instructions to transfer monies that were exclusively our own. I told them these we're funds they were already in receipt of, there was zero credit risk to them. They were holding our monies illegally.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I wired {$2000.00} to one of my family members through Sigue Corp, but the money was never received by the recipient nor returned to me.
Product: Payday loan, title loan, personal loan, or advance loan

I sent a letter to the company explaining that I was a XXXX XXXX XXXX XXXX in XXXX, which forced me to take on debt in my name. Before this, I always paid on time and had no late payments. I asked if the company could help by waiving the balance that wasnt truly my responsibility and fixing the credit reporting for the account. I have not heard anything back from the company.
Product: Money transfer, virtual currency, or money service

Received letter from PayPal this morning with a charge for {$640.00}, I don't have PayPal account, called number to cancel. they told me there was a XXXX XXXX bank account under my name and it was being used for money laundering. they then patched me through to theFTC. when I asked to call them back to get a phone number they hung up. Now I'm terrified that they have all my account information through a assist client app. 
XXXX XXXX XXXXXXXX Attachments XXXX ( 2 hours ago ) to me We have successfully updated your file with ID XXXX. Please find the detailed PDF attached for your review. 

The items will be delivered to the scheduled address, XXXX XXXX XXXX, XXXX, MN XXXX. 

Consider this email as your formal record for this update. 

Should you have any inquiries or need to make any changes, please reach out to our customer service. 

One attachment Scanned by XXXX This is not me
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since more than 1 year now I triy to stop unwanted emails from Transunion, like this one Dear XXXX, As a benefit of your CreditViewTM Dashboard membership, this is a notification that there have been no reported changes in your credit file ( s ) during the last 30 days. To view a complete history of your credit alerts, log in to your account now. 

This is a FREE benefit of your CreditView Dashboard membership. We will continue to monitor your credit file daily and ensure that you'll always have an up-to-date snapshot view of your credit. 

Your credit score is refreshed monthly. Make sure you go to the CreditView Dashboard every month to check your score and score history. Log in to your account now. 

Thank you for choosing CreditView Dashboard. 

Sincerely, XXXXXXXX XXXX this email came from Transunion : XXXX I am NOT a member of CreditViewTM Dashboard, I do NOT have an account with XXXX!!!! 

I wrote several letters to Transunion, to stop those unwanted mails : TransUnion LLC XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX I never got an answer. 

I can not log into an account to cancel it - because I do not have an account with Transunion!!! I never had!!!! 

I also asked XXXX several times, to stop it : XXXX transfers me to Transunion, Transunion is not reachable for me because they are asking for a 6 digit number which I do not have. 

PLEASE PLEASE STOP IT, otherwise I have to go to a lawyer, I am not interested in the creditscore from Transunion, my accounts are with XXXX.
Product: Debt collection

XXXX RETURNED CHECK TRYING TO COLLECT AGAIN HAD SAME ISSUE LAST MONTH I BELIEVE IT WAS RESOLVED XXXX DOLARS
Product: Debt collection

This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is? violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you c validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 547 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq, this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Product: Debt collection

I have received several 'robo calls ' from USCB in regards to a debt that they purchased from the XXXX XXXX Medical Foundation . 

When they call it does not connect to a live person but instead plays an automated message from someone identifying themselves as XXXX XXXX. The message is as follows. 

This message is for [ Last name ] [ First name ]. If we have reached a wrong number please call XXXX. If you are not [ Last name ] [ First name ], hang up now. If you are [ Last name ] [ First name ] continue to listen to this message, but not in the presence of others as it contains personal and private information this is XXXX XXXX from XXXX XXXX. This is made in attempt to collect a debt... 


I have received this call four times within the month. 

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

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2021 Account was opened with my information while I was incarcerated. 
I have never used flex shopper Believe it could be a man named XXXX XXXX I think he stole one of my identification cards and possibly a social security card. I had a wallet come up missing about 3 years ago. Would like to press charges if it is him.
Product: Checking or savings account

Im still waiting to see why they havent gotten back with me