23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is not my loan. They somehow got my email address and sent me the collect letter. I will provide the basic information. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX - XXXXXXXX XXXX, Mon-Fri XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Reference : XXXX They sent it to Security Credit and say I owe them the {$680.00} from a loan I got from XXXX XXXX XXXX. Which I didn't. I also have the original loan document that Security Credit sent me. All the information is for the person above, but they sent it to my email. The attachments were sent to me by Security Credit Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX You are in Direct Violation of the Fair Credit Repair Reporting Act ( Rooms 2 Go ) Account number XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have right to privacy. 
15 U.S.C. 1681 section 604 A section 2 : It also states the consumer reporting agency can not furnish an without my written instructions. 
15 U.S.C. 1666B : A creditor may not treat payment on a credit card account under an-open-end computer credit plan as late for any purposes Remove this late account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. It is a fraudulent account. When I spoke to the company about the account, they said they would close the account and remove it from my credit report. They did close the account but did not remove it from my report. I have had a fraud alert on my report for many years due to multiple fraud charges being placed on my account. I disputed the account with the credit bureaus and was told it was updated. This account originated in another city. I have no knowledge of this account what so ever and want it removed from my reports.
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX XXXX  with Equifax, Experian, and Transunion. They stated that they were able to verify debt. I contacted the US Bankruptcy Court in XXXX and representative told me that dont give out any information for anyone to validate bankruptcy. The dates listed on Bankruptcy that Experian, Equifax and Transunion has in my credit report are incorrect dates.
Product: Mortgage

On XX/XX/2018, I made a {$220000.00} payoff on our mortgage. The XX/XX/XXXX regular payment had already been made with interest paid through XX/XX/18. Instead of charging me interest for 8 days in XXXX, the mortgage company charged me interest through XX/XX/XXXX even though they had the funds. The interest on the {$220000.00} balance@ 3.75 % should have been {$180.00}. They charged us {$710.00}, or {$520.00} excess. They deny any wrong doing and/or mistakes were made and caused the payoff process to be delayed by over 30 days at which time they snagged us for additional funds with which to pay the real estate taxes 20 days prior to the due date. If this is their standard procedure, they are bilking the general public by millions of dollars annually. According to them, I failed to get a " formal '' payoff quote prior to remitting the payoff funds. Copies of all correspondence with them and payment records are enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- There are 2 hard inquiry on my account, which i didn't authorized nor did i apply for anything. Please investigate and take these off. 

1ST inquiry is from Syncb, Inquiry from XX/XX/2019 XXXX XXXX XXXX 2nd inquiry from XX/XX/2019 XXXX XXXX My name is XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, CT XXXX Phone # XXXX My email is XXXX XXXX
Product: Debt collection

In XXXX of 2020 there were 2 airline tickets purchased in the amount of XXXX each with PayPal under papal credit umbrella. There were 2 refunds issued in XXXX back to the papal credit in the amount XXXX each. However i have also filed a dispute for XXXX ticket and was also credited an additional XXXX from Payapal credit on XX/XX/2020 resulting in the over-payment of XXXX. I have contacted Payapal credit numerous times to make this adjustment reversal of this transaction. Since the original charge was made under payapal, payapal insists that i have received 2 extra refunds from Paypal credit, which is not the case and want me to repay to payapl XXXX, which is wrong, What i owe back is XXXX extra refund in the amount of XXXX, which nobody seems to understand how to fix.
Product: Checking or savings account

I recently put in a dispute that involved someone stealing my wisely card over the holidays this passing year while entertaining family in my home, I have not seen or used the wisely card since that time, someone has been and after going through the agency I had been working a side job at they told me they could terminate my employment but did nothing about the card being taken nor could they tell me where my funds were, I contacted wisely to finally get to the bottom of the situation about a week and 2 days ago and heard nothing back, i spoke with someone on the phone named XXXX and he told me they mailed a letter but when asked about the address he didn't even have the door number to the address they were supposed to send the letter dissmising me to, HOW would i have known anything with that kind of disregard and neglect in regard to my dispute, he failed to see the error in the agent i discussed the dispute with in the first place not even bothering to get the apartment number of the place i was staying in before going homeless a month ago, I was dismissed and you all have no compassion and had no intentions to give me back my savings that was stolen from me causing me to be jobless, homeless, and without a reliable phone even, I will not continue to be treated so poorly and do nothing about it because you all can't seem to sympathize with someone who has lost so much already, the least you all could do is issue my funds that I worked for, was frauded by the job and now you say you see no issue with someone stealing my funds, I have seen no proof or effort to provide any that I was the person spending the funds because I wasn't I would like access to atm and store footage showing that I XXXX XXXX withdrew or spent any money taken prior to XXXX This is the description of the dispute reasoning and no supervisor has contacted me they sent the paper work to an address i am not currently at and told me nothing i had to call and jump through hoops to even know they did not even honor my dispute.
Product: Student loan

Heartland Ecsi. payoff amount is {$5400.00} plus XXXX in interest due. I was several months behind on a personal loan unknowingly I thought I was in forbearance. I sent in a request to forbear up to the total amount owed. I was told I had enough to forbear until the end of May.The forbearance was approved but they did not cover {$730.00} dollars due by XX/XX/XXXX. I have called several times asking abut the referral and they said they were still waiting on the approval, So today I conducted a chat with XXXX. he told me I was placed in forbearance XXXX. That I have used the amount of forbearance allowed. The amount of my dues will not clear to XXXX and that interest has accrued can be paid monthly or in one lump sum with your first monthly dues. The Care act does not apply to this loan. I told her I can barely cover any bills at this time due to losing my art time job. She said unfortunately we can only provide the options under the loan terms of your school. I then asked if this was a federal loan, she said yes then corrected herself that it was an institutional loan. I was given no options and given five days to pay {$770.00} dollars I do not have, It is a small loan. It should be under XXXX a month. I can pay that. I have been getting the run around for sometime. I receive no emails, letters or paperwork monthly. I was given no options nor would they budge.
Product: Money transfer, virtual currency, or money service

I had made a recall request to the bank in order to recall transfers that I inadvertently made to a fraudulent merchant. 
The details of the transfers are as follows : Amount Currency Transaction Date Sending Bank Receiving Bank Beneficiary XXXX USD XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX USD XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX USD XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX USD XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX USD XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX I was contacted by a company that identified itself to me as XXXX XXXX XXXX XXXX. I was instructed to send these funds to specific beneficiaries. The merchant claimed that the funds from these transfers would be used to fund the brokerage/investment account they provided. At the time, the merchant presented this information as if the beneficiary was actually them. 
I didn't receive the service. The merchant XXXX XXXX XXXX XXXX claims to be a broker and provides a self-directed brokerage/investment account with the ability to trade financial instruments ( stocks, CFDs, Binary Options, commodities, etc. ) and with the ability to withdraw funds on request. This was the service I paid for. But this company doesn't have a license for brokerage / investment services and is unable to have ever provided any brokerage / investment account. because all companies ( the merchant and beneficiaries ) don't have a license for brokerage / investment services, they can't provide me with the service I paid for. 
XXXX XXXX against WellsFargo bank Since initiating these transfers, I have determined that the named beneficiary does not actually have any type of connection to the merchant at all. The terms and conditions provided on the merchants website list the client agreement as being between the merchant, XXXX XXXX XXXX XXXX, and myself. The name of the beneficiary to whom the funds were transferred by bank wire is not listed on the merchants website. 
It has recently been brought to my attention that there is not any connection between the merchant and the beneficiary to whom the funds were transferred. 
That is why I asked my bank, XXXX XXXX XXXX XXXX, to start the wire recall procedure. My bank sent the wire recall request to the beneficiary bank Wells Fargo several times, but the beneficiary bank Wells Fargo hasnt replied. 
After that my lawyer sent a Legal Letter to the beneficiary bank Wells Fargo. ( I have attached the Legal letter ) The beneficiary bank Wells Fargo hasnt replied to the lawyer as well. 
I believe that the beneficiary bank Wells Fargo is associated with this fraud and money laundering. I ask for your help in my case, I ask you to check the beneficiary bank Wells Fargo and I ask you to contact the beneficiary bank Wells Fargo so that they review my case.
Product: Debt collection

My name is XXXX XXXX and I am filing this complaint against USAA SAVING BANK on my own behalf, as a Federally Protected Consumer, without any connection or involvement with any third party. On XX/XX/XXXX, I mailed a validation of debt letter asking USAA to provide the following information within ten ( 10 ) days : 1 ) identity of the original creditor, 2 ) verification of their claim against my ( a sworn affidavit or a hand signed invoice ), 3 ) copies of the contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX, the natural person, and USAA, that prove I agreed to pay the alleged amount, and 4 ) validation of the alleged debt ( the actual accounting. ) I told them in my letter that if they were unable to provide the above information within the 10 day period, then the account must have a zeroed balance and left open in good standing so that it wouldn't cause anymore damage to my reputation. As of XX/XX/XXXX, it has been 14 days since USAA has received my letter, and I have not heard or received anything back besides my certified mail receipt that they did in fact receive my letter. I made copies of the documents I sent and have attached everything to this complaint : my certified mail receipts and the validation letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX showing a negative payment in XX/XX/XXXX. This account was closed in XXXX of XXXX, and was never paid late. The payments were deducted from my payroll weekly and the support order was terminated due to shared custody. 

I have disputed the item numerous times and sent the payment history to Experian. It still has not been corrected on my credit report. 

I have attached screen shots from Experian, and a copy of the payment record from XXXX County Clerk of Courts.

Thank you, XXXX XXXX
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. 

XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, Bank XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Michigan XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Transunion refuses to report two of my latest 's secured credit cards from fifth third since I opened them in XXXX of this year XXXX, and XXXX refuses to update my latest credit score I have been reporting the same credit score since XXXX XXXX reports my scores reading XXXX which I feel is discrimination, I have tried speaking with several customer service representatives and provided the necessary documents need to update my credit file to receive my truly genuine credit score on my credit profile. I feel that this is discrimination. this is crazy that for the last 2 years my credit score with XXXX has not moved at all, it's like XXXX is purposely doing this to prevent me from receiving the best score I deserved as a young XXXX man. And Transunion has not reported two major credit cards that i have had since XXXX of this year XXXX. Please help
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit report. Can you verify the paperwork? Certain accounts listed exhibit inaccuracies in reporting, including incorrect amounts and dates.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned a loan from XXXX XXXX XXXX XXXX XXXX XXXX " XXXX '' ) for my mom in XXXX. In XXXX, my mom stopped making payments. My mom did not tell me that she stopped paying the loan. XXXX did not call me or contact me to ask me to make payments even though it had my phone number. When I checked my credit report in XXXX XXXX, I found out about the missed payments. I immediately started making payments. On XXXX XXXX, XXXX, my mom passed away. My mom did not tell me that she stopped paying the loan. XXXX did not call me or contact me to ask me to make payments even though it had my phone number. When I checked my credit report in XXXX XXXX, I found out about the missed payments. On XXXX XXXX, XXXX, my mom XXXX XXXX. Shortly thereafter, I paid off the entire loan. At no point did I intend to not pay my debts. Once I knew a creditor was seeking payment from me, I started paying right away. Like a XXXX -- I 've always paid my debts. XXXX VIOLATED 15 U.S.C. 1681-2 ( A ) ( 7 ) ( I ) BECAUSE IT DID NOT NOTIFY ME IN WRITING OF ITS REPORTING OF NEGATIVE INFORMATION TO TRANSUNION BEFORE REPORTING THE NEGATIVE INFORMATION OR 30 DAYS THEREAFTER.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX HAS REPORTED INACCURATE INFORMATION ON MY CREDIT REPORT. ON THE XXXX OF XX/XX/year> I MADE A PAYMENT OF {$450.00} ON MY CREDIT CARD ACCOUNT BRINGING THE BALANCE TO {$2.00}. 
XXXX REPORTED ON THE XXXX OF XX/XX/year> THAT I HAD A BALANCE OF {$480.00} AND A UTILIZATION OF XXXX  %. VERY INTERESTING HUM!! ! XXXX AlSO ALL XXXX BUREAUS SHOULD ONLY HAVE MY NAME XXXX XXXX XXXX AND MY ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. REMOVAL OF ALL OTHER NAMES AND ADDRESSES IMMEDIATELY!!! XXXX 15 USC 1681 ( s ) 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
Product: Student loan

I moved to XXXX, or in XX/XX/XXXX to attend XXXX because I was lied to about the accreditation of the school and reputation of their school. While signing up for school I was told that my classes would be covered by federal loans. Not once did the school advise I would have a private loan. I dropped out of the school in XX/XX/XXXX when I got a little older and realized they had blatantly lied to me about the school. Now that the government has seen through their lies they have forced the school to shut down. I have filed a borrowers defense against repayment for my federal loans, but I realized that I also have a private loan that has over 10 % interest. Navient refuses to help with this at all or even provide some option since I was never aware of the private loan the only record I have of it is on their website. There is no info on the student loan.gov site and they will not even work with me the loan is already double what it was and will double again before it is paid off. The government needs to have regulations on this and I am sure they do. I have issues with them with deferment and even getting information from someone that has knowledge of how the system works. I will contact anyone I can to get this resolved and make sure this company is help accountable. They have been servicing my loans since they were sallie mae and have not gotten any better.