23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS ON XX/XX/2020. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER WELL OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS ON XX/XX/2020 AND STILL HAVE YET TO RECEIVE ANY RESPONSE. I EVEN GAVE THEM EXTRA TIME DUE TO COVID-19. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # 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

In XXXX and XX/XX/2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX- Account number XXXX. 
In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this accounts, XXXX  XXXX XXXX  XXXX, ACCT # XXXX, and XXXX XXXX, ACCT # XXXX but they are being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 

15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-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.
Product: Checking or savings account

the transactions were supposed to be for the landlord and the money was sent for an application and security deposit. We had been communicating for a few days beforehand and he sent me more than one property that was listed on the company 's website. When we spoke we had agreed to do everything in payments because I had not met him yet. I was unable to get ahold of the management company to verify his identity until after all the transactions were made sadly. I sent the money to his " lawyer '' and " lawyer 's wife '' and have their XXXX  and XXXX. When i had asked for a refund and to cancel our agreement, he claimed he would need to take a fee out of the money sent in order to send it back, which i know isn't the case. I spent a week afterwards attempting to get my money back not just from him but from my bank as well who continues to deny my claim even with the proof i have. My bank has denied me multiple times despite constantly asking me for more information every time I have appealed it. They are refusing to refund my money even though this was a horrible scam and it has been explained to them. due to this experience I was homeless for 2 months with my fiance and our animals. This is unforgiveable on the company 's side and from this horrible person who took advantage of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint. I notice some inaccurate and incomplete information on my credit report. I'd like a thorough investigation and a deletion of the following accounts mentioned in the letters attached to this complaint. My social security card and a picture of my driver 's license is included within the letters attached either
Product: Debt collection

National Credit Systems XXXX XXXX XXXX This debt was dismissed during a court case in 2018. 
XXXX XXXX is no longer responsible for the debt. I was never involved in the court case nor was I contacted. I was a cosigner on this apartment and wasn't notified about anything until the collection agency started contacting me. This should have never been reported on my credit file/ I'm still being contacted by the collection company who's have a really bad attitude towards me for trying to resolve this issue. I attempted to resolved this issue with this company who never tried to listen they only wanted payment.
Product: Student loan

In XXXX of XXXX  I noticed that Nelnet was mishandling my loans. I put in a request and they said it would take 3 weeks, after 8 weeks I called back and they said they had up to 11 weeks to provide the information. At 11 weeks Nelnet said they are not required to provide the information and the online statements that only go back 5 years is the best they can do. I am being gate guarded by customer service and not able to escalate this issue with the company. One IDR loan is being charged improperly and my other SAVE loans Nelnet is making it hard to pay on. This pathetic XXXX dollar company can not keep track of one student loan account properly, let alone millions of accounts. Nelnet is intentionally stalling payments to borrowers on the SAVE plan so they can accrue more interest by stopping people from making payments when interest was low due to the plan. They are capitalizing interest on one IDR loan and arbitrarily changing principal amounts outside of the time frame when interest would be capitalized to principle. Nelnet is essentially applying principal and interest amounts simultaneously and doubling the amount the loan is increasing by. I have asked for all monthly statements which they refuse to provide. Their website is frequently down and this company is intentionally making it hard to make student loan payments. All records of calls and information is on their system and should be provided.
Product: Credit reporting or other personal consumer reports

Inaccuracies INQUIRIES that needs to be Removed and deleted. 

Also personal information incorrect address needs to be Removed.
Product: Debt collection

I have used both Avio Credit and Speedy Cash in XXXX. I was paying on time for almost a year until XX/XX/XXXX, my work hours was cut due to Covid-19. I can not afford to pay both online payday loans at the time. How did I go from owing {$700.00} to {$1900.00} just like that? 
It's already bad they charged very high interest rates. 
Now a collection company named Ad Astra Recovery Services are reporting on my credit report for both companies. Im a Virginia resident. Online payday loans are not legal especially due to the high rates.
Product: Debt collection

debt is not owed. I have no proof of debt being owed or correspondence from creditor.
Product: Checking or savings account

On XX/XX/21 while traveling in Florida, I purchased gas using my Chase Debit card. The total was {$20.00}. When I returned to my hotel later that afternoon, I noticed an additional charge of {$84.00} from XXXX XXXX XXXX XXXX in Washington state. I immediately called Chase customer service and disputed this charge as unauthorized. My card was disabled, I received a credit and I was mailed a new card to my home in New York. On XX/XX/21 I noticed Chase bank reversed the credit for {$84.00}. When I call them to inquire I am told that the initial charge was not fraud and was substiantiated by the mechant. I asked for proof of my signature and was told by both the CSR and Supervisor that my signature was not needed because the merchant was able to verify my name, address, and email. I argued that the company who charged my card is a some type of company in Washington state. I am XXXX years old, physically XXXX with a XXXX injury, live in New York and I did not purchase or authorize the purchase! They could have cared less. They told me the charges were valid and they would not reverse them. However, I could reopen the claim if I could provide proof of fraud. I asked them for the contact information for the merchant and was given XXXX. Which is an outsourced 3rd party service who has no information on the credit card transactions. The first thing they ask is for your zip code, name & address before even allowing you to ask any questions. So of course they have just been given the information Chase requires to verify a purchase. Chase did not have an address for the merchant for any name other that XXXX XXXX XXXX XXXX. I have been unable to find a company by that name listed anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD SEE ATTACHED FILES They also violated 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written consent. I have never gave POSSSIBLE FINANCE NOR XXXX written permission to furnish this account on my consumer reports. 

I have attached my waterfall and my bank statement along with my ID so do not send me a STALLING LETTER!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$5600.00} is not mine and has been filed under Identity theft with appropriate authority. Violation under FCRA 605 ( b ). I demand account removed to prevent further Identity theft of personal information.
Product: Credit reporting or other personal consumer reports

Its really disappointing to see unauthorized inquiries on my credit report, especially since I dont know how they got there. Im used to regularly checking my report, and this time, discrepancies appeared out of nowhere. I refreshed my browser to rule out any system error, but the inquiries remained. Im pleading for a thorough review of the documents Ive provided to ensure this problem is resolved once and for all.
Product: Credit reporting, credit repair services, 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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 XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$61.00} ; 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

According to my recent credit report request from Transunion, XXXX, XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX   XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX contact information XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX  , XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME
Product: Credit card or prepaid card

American Express is not solving a billing dispute where merchant stating FREE CANCELLATION is charging {$600.00} CANCELLATION PENALTY after cancellation. The purchase was made from XXXX and the {$600.00} has been disputed several times, but Amex has failed to provide adequate resolution each time. Latest attempt is under reference XXXX. 

Reason for the dispute is as below : Merchant is selling travel packages on website XXXX. Most packages, including what I bought, state FREE CANCELLATION. This is the only piece of information they provide regarding cancellation BEFORE making the purchase. I successfully cancelled with the merchant and they are still holding {$600.00} as a cancellation penalty as per dispute resolution under XXXX. FREE CANCELLATION was major reason why I bought from their website. It is my understanding that if the cancellation is supposedly free, there should not be {$600.00} cancellation penalty. Thus, I am still expecting a credit of {$600.00} to be issued on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to fair credit report at XXXX  account number XXXX ARS ACCOUNT RESOLUTION S has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 604 A section 2. Also states a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th venture to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or deceit. 
XXXXK OF AXXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} MEDICAL XXXX Balance : {$140.00} MEDICAL XXXX Balance : {$94.00} MEDICAL XXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$0.00}
Product: Debt collection

In reference to case # XXXX and XXXX Commonwealth Financial Systems, Inc continues to telephone me and send me mail regarding the above case numbers. 

This time, instead of listing XXXX XXXX as the placer of the so-called debt they now list " XXXX XXXX XXXX. " The same information still obtains. XXXX XXXX XXXX XXXX failed to exercise due diligence in billing the VA in a timely manner ( over 8 months ). 

In the above referenced case numbers I was assured the collection efforts would stop pending a decision. That has not happened. They have continued to harasses my wife and send me letters telling me I have 30 days to respond even though I responded back in XXXX. 

Please make this stop!
Product: Debt collection

XXXX XXXX XXXX from the firm Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ) is refusing to respond to me in a timely manner, or in a clear and easy to understand manner. 

I have asked XXXX XXXX repeatedly for documents regarding this debt, which I dispute, and have been disputing for over a year. 

XXXX XXXX does not provide any response that is in any way intelligible. Instead she states " As previously stated, I am unable to give you legal advice. My office does not accept service by email or fax as stated below. " While this may be a factual statement, it does not address any of the questions I have been asking.

MJRF refuses to talk to you about the debt in question. They refuse to provide intelligible responses. They refuse to provide timely responses. If I email, my emails are ignored, or take days to be responded back, with no clear out of office.
Product: Debt collection

ABILITY RECOVERY SERVICES , LLC reported a collection on XXXX for the amount of {$640.00}. 
Agency Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Agency Phone : XXXX Original Creditor Name : XXXX XXXX XXXX Ability Recovery Services is a third party debt collection agency representing XXXX XXXX XXXX. I never signed a contract with neither of these companies. I never gave consent for these companies to use my private information. I never received a notice or method to opt-out or prevent the disclosure of my private information to third parties pursuant 15 U.S. Code 6803 Company refuses to obey consumer protection laws, which is negatively harming my nonpublic personal information.
Product: Consumer Loan

I received an email approximately 3 weeks ago stating that a loan for {$3400.00} was taken out in my name at Check n Go. I never applied for this. I called the company. There are XXXX sections within the company : the website and physical stores. The website had no record of my information. They claimed they were unable to look up my information within the store portion. There are no Check n Go stores in New York State where I reside. I filed a report with XXXX as they said to do. No one has followed up with me. I am now receiving emails that I owe {$470.00} on Friday.
Product: Payday loan, title loan, personal loan, or advance loan

I have been trying to contact this company via phone for multiple days, left on hold from automated service and eventually sent to voicemail.
Product: Money transfer, virtual currency, or money service

I have money in Gemini XXXX for trading crypto currency ( XXXX ). While they went through a verification process to receive my money and have already done so, for some reason there is an additional verification process to withdraw my money. 

I checked XXXX and found that this is a common problem with users of Gemini : https : XXXX This is fraudulent activity. How can my identity already be verified to deposit my money and still require to be verified to withdraw my money? It is false and fraudulent behavior and likely conducted to control funds and for no other reason. 

I initially deposited funds on XX/XX/XXXX and XX/XX/XXXX. Today is XX/XX/XXXX and I have requested a withdrawal of these funds, but have been prompted to verify identity a second time instead. This prevents the actual withdrawing of my funds and I have read that the process can take weeks or months. No one should be allowed to keep my money from me without my permission for any period of time, especially not under false pretenses such as these. 

The platform additionally charges a variable amount for crypto currency, which can cause new users to falsely suspect that a trade that was once free might always be free of charge to conduct ( i.e. free to buy but not free to sell ). The whole scheme is unreliable and needs to be investigated.
Product: Debt collection

15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to Green Sky Loans on this alleged debt. 

This is sample of my communication towards Green Sky through the Credit Bureaus Please be advised this is my THIRD WRITTEN REQUEST. 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?

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 demand the following accounts be verified or deleted immediately.
Product: Credit card or prepaid card

I have two separate AMEX accounts ( AMEX XXXX and AMEX XXXX ). 

On or around XX/XX/XXXX, for my AMEX XXXX XXXX, I signed up for " Pay Over Time '' with an offer to earn XXXX membership rewards points for doing so. These XXXX points were awarded to my account. 

Previously on XX/XX/XXXX, for my AMEX XXXX card, I had also separately signed up for " Pay Over Time '' with an additional offer to earn an additional XXXX membership rewards points for doing so, but never received the XXXX points. I rose this with the company on XX/XX/XXXX, XXXX they said it would take1-2 weeks to resolve the issue, but never resolved the issue or contacted me with a response. I then submitted an CFPB complaint, and in their response they stated they had already paid me the XXXX membership rewards in question, but this XXXX was for my AMEX XXXX card as stated in the letter. They completely ignored the fact that I also applied an offer for XXXX on my AMEX XXXX card. The terms say " only one offer per Card account '' but I have two separate cards. 

In order words, in total, they should have paid me XXXX points for the two pay over time offers, but they only paid me XXXX membership rewards points for one of the offers. Therefore, they owe me an additional XXXX membership rewards points specifically for my AMEX XXXX card. 


See screenshots of the two offers and two confirmations for both cards.