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

XXXX, XXXX and Transunion were all sent disputes on XX/XX/2021. I sent a dispute of items that were alleged to belong to me. The 30-days that are required to investigate this matter under FCRA 611 ( 15 U.S.C. 1681I ) have expired. However, this inaccurate information is still on my credit report. The alleged items could be linked to the XXXX  data breach are. I would like this information removed immediately per the FCRA or I will instruct my attorney to file litigation because I don't have time for the back and forth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the Bureau and they responded with I needed to provide information that they have already reported on the report such as - ACCOUNT NAME, ACCOUNT NUMBER, DATE OPENED, BALANCE-which I provided by attaching the dispute letters that I sent to the Bureau which I provided in the letter. This is the second time that they responded with the same EXCUSE! They have violated the FCRA and my consumer rights. This is nothing more than a STALLING TACTICT by the BUREAU.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to EXETER FINANCE account XXXX  XXXX This is void contract/void agreement. 
According to your installment contract number XXXX dated XX/XX/2021 states : The minimum public liability insurance limits provided in law must be met by EVERY PERSON who purchases a vehicle. 

In fact I never had auto insurance & never provided Exeter with auto insurance of any kind that has XXXX XXXX  name associated with the policy. 
Your INSURANCE REQUIREMENTS section on the contract states YOU AGREE TO HAVE PHYSICAL DAMAGE INSURANCE COVERING LOSS OR DAMAGE TO THE VEHICLE AS LONG AS THE AMMOUNTS ARE OWED UNDER THIS CONTRACT I never had auto insurance of any kind to qualify for the vehicle or the ammounts owed under the vehicle. The original seller of the car did not check all requirements because one clear requirement is ALL PURCHASERS OF VEHICLES MUST PROVIDE INSURANCE PRIOR TO GETTING POSSESSION TO VEHILE. The insurance section has XXXX XXXX signed as a requirement for the insurance but XXXX XXXX did not provide insurance therefore this contract is incomplete, voided, & false to say the least. Im demanding EXETER finance to remove the account from my name & credit file immediately due to me not legally being under contract with the company.
Product: Student loan

I began working in a XXXX in the state of Virginia in XXXX of XXXX. After working for 5 years in a XXXX, I submitted the necessary paperwork for the XXXX loan forgiveness program in the XXXX. I had done much research to ensure that I qualified for the program and I should have received XXXX dollars in loan forgiveness according to the application for the program. 

I submitted the paperwork through Navient and got a letter two weeks later saying that I did not qualify for the loan forgiveness program. I called Navient to see what went on with my application. They told me that it was not them, but the federal student aid office that denied me from the program. I called the Federal Student Aid Office who told me that they had not received any information in their systems that I even applied for the program and that I absolutely did qualify for the loan forgiveness, they made it for XXXX exactly like me. They told me to reapply thinking that Navient XXXX up. I reapplied again a few months later. This time, faxing my application from my XXXX thinking the letterhead would somehow make a difference and it would be faster. Two weeks later the same thing happened and I got a letter saying that I did not qualify for the program. I called Navient again to question them about why they denied me and they said that I had filled out the wrong paperwork, because my XXXX signature was not in the right place on the document. I had a scanned copy and looked it over and found of course, no such mistake. The paperwork was also correct and had not reached the date of expiration. 

Despite this runaround, I got everything together the following year in XXXX and I submitted for a third time through fax. I even wrote third attempt in big letters on the cover page. I got a denial letter again, even after having a coworker qualify for the same program and get her XXXX worth of forgiveness. I now work at another XXXX, this being my 8th year as a XXXX in a XXXX. 

I was going to write XXXX XXXX and try filing again. I would n't know about what lawyer to contact, but they I saw your recent lawsuit against Navient. I think they are guilty of mishandling my loan as well. My forgiveness amount would have erased XXXX of my loans and I believe they wanted my interest and did n't properly submit me for the program.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX | XXXX | XXXX In Fact, and truth, Bureaus violated my rights even more so in accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my credit report. 

The Credit bureaus state my account was properly investigation but how is that possible if when I contacted the Debt collector agency, they could not provide me with Privacy disclosure : their ability to retrieve my private information and how it was transferred from original creditor. No documentation including or showing interest charges, payments, credit fees associated with the acclaimed amount owed was provided by credit collection agency. No full account number was provided by the collection agency to and Credit Bureaus because that information is redacted if full privacy disclosure is BREACHED. ) This grounds for removal. 

They also violated the law because according to : 15 USC 1681 Section 602 A. States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1692. ( c ) ( a ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 
15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

I did not give anyone written instructions.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''.

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. 
Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged accounts ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts 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 with this Federal Law. 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.

Unverified Accounts Name of Account : XXXX XXXX Name of Account : XXXX XXXX XXXX Name of Account : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/2023 I made a wire transfer for {$13000.00} USD to Gemini Trust Company , LLC. The purpose was to buy virtual currency that I could transfer to my own wallet. 

I have been faced with a security hold ever since I first attempted to transfer this currency ( Ethereum ) - and despite providing all requested information from Gemini Support to get my account fully verified, I have received XXXX feedback in the last XXXX hours. I have no idea what they are doing or why they are taking so long to give me the green light, or at least simply just responding to my last 6 follow up e-mails. 


Something needs to be done about this, I can not keep living in limbo with XXXX ability to use the money I deposited with these folks.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : Incorrect Information to Be Removed : 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 reporting, credit repair services, or other personal consumer reports

I am a loyal XXXX customer, currently on my XXXX lease. In early XX/XX/XXXX, a XXXX XXXX convinced me to return my XXXX lease a few months before the contract maturity date and take out my XXXX lease. The Dealer covered the remaining balance by sending a check to XXXX XXXX XXXX, which is the payee for XXXX XXXX XXXX ( XXXX ). The check was delivered on time. XXXX deposited the check, but, apparently, did not apply it against my account. XXXX started sending me invoices and calling me to make the payment. I kept telling them that the dealer told me that the balance was covered in full and XXXX should figure it out with the dealer. Instead, XXXX reported me to credit bureaus and continued to report late payments for a full year ( XXXX ), destroying my credit history. I tried disputing this with XXXX they demanded the front and back of the check that the XXXX dealer sent them. XXXX refused to talk to the dealer directly. In XX/XX/XXXX, I caved in and paid the balance in full to stop the accumulation of late payments. Shortly after, I finally managed to procure the copy of the check from XXXX dealer. XXXX admitted their mistake and refunded me the amount of the check, but have not removed late payments. There is no one to call, all you can do is send a credit dispute to XXXX  by mail. XXXX has been refusing to clear my credit history sending me boiler plate responses that my credit report is correct. However, I was never late with my payments, because the Dealer paid off the balance on time! I had a perfect credit history, and now my credit score is so bad that I wouldnt even be able to get another lease. XXXX has to be held accountable for this injustice, and they have to revamp their processes for handling disputes. The advice to others is pay first dispute later.
Product: Student loan

My monthly student loan payment is directly debited from my account each month. ON XXXX XXXX, 2016, I submitted an ADDITIONAL payment with written instructions for that payment to be applied to a specific loan ( the loan with the smallest balance ). Despite following the instructions provided to me, and after following up with FOUR phone calls and an email, the payment still has not been applied as requested. This happens EVERY TIME I make an additional payment.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau : This complaint is against Bank of America , N.A . for not horning my request to place funds back into my account that should have automatically been debited back to my account by the merchant. 

I am attaching the evidence of a claim that I submitted on XX/XX/2022. It is now XX/XX/2022, and Bank of America , N.A . can not produce any official evidence from the merchant showing that such funds were authorized by the merchant. I have requested Bank of America , N.A . to show certified validated proof of entitlements to such funds missing from my account Bank of America , N.A . has not been able to provide me anything. 

I live off PROPER RECORDS, I need Bank of Americas proof showing the return of the deposit and proof of the merchant returning a total of {$2200.00} back to my account or any act or actions performed by the merchant in an attempt to resolve the matter after many and several attempts to resolve the matter before filing a dispute. 

I refused to give up my rights or waive such rights after entering a binding agreement. The merchant performed a Breach of Contract which made me fully entitled to the funds disputed and could have been more if arbitration is needed or necessary. 

Until then my funds need to be replaced or returned back to my balance in my Checking Account ending in XXXX. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 an application for Bank of America Travel Rewards credit card was processed without authorization and Bank of America processed a hard inquiry pull using my information. This is not the first time Bank of America has allowed accounts to be fraudulently opened as someone used my information for a mortgage when I was only XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CLOSED two of my XXXX XXXX credit cards ending in XXXX and XXXX on two separate calls but agents and their supervisors illegally claimed that Closure Status may not be reported to credit reporting agencies for up to 60 days despite the fact that Metro 2 Compliance would require an immediate reporting of my account as Closed at consumers request to every CRA. The FCRA and Metro 2 require PROMPT and immediate mid cycle reporting of Closed accounts when the button is pushed to close an account. My credit reports remain open in willful violation of the FCRA and furnisher has stated that it has no intention to promptly report my account as closed. I seek {$1000.00} in statutory damages for each account for each day the willful violation remain until permanently corrected. Permanent deletion of my accounts are demanded as my accounts are NOT METRO 2 Compliant. At a minimum, my accounts must be PERMANENTLY reported as DISPUTED as this Complaint challenges balances due to statutory damages for willful FCRA violations. Additional FCRA willful violations will occur if my accounts are not marked as disputed permanently.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have fraudulent accounts and inquiries appearing on my credit report.
Product: Debt collection

On XX/XX/2021 I had XXXX in account ending in XXXX deposited by TN XXXX. Of Unemployment. I checked my account about XXXX. And all of my money was gone! It was gone because someone in the legal department that was not knowledgeable about the law, gave my XXXX money to an attorney which was XXXX XXXX Firm on a XXXX XXXX XXXX garnishment. The law is supposed to protect any government money unless child support is owed. When I called Suntrust the money was pending. I said Please dont give my rent money away, wait until tomorrow, put a hold on it, freeze it. I spoke to no less than 7 people. Most of the customer service people were not in the XXXX. I knew my money was going to be gone in the morning. No one even tried to find out the truth that they should have known or reach out to anyone. I feel that after the money was gone because someone in legal let it slip through the cracks no one wanted to be liable. I sent emails and everything and havent heard from anyone yet. Finally they told me to get an attorney and get my money back. I said you act like you work for them instead of me! Thats my rent. All they kept saying was that scripted sorry! I didnt want to hear that1. /they need retraining. Then they kept saying call that number and get the money back. I said they are the enemy, they want my money! And I am so surprised that no one knew out of 7 people what is supposed to happen when a garnishment comes to the legal department. First it has to be answered which means determined if it can be legitimately placed on the account, but you dont just blindly give out other peoples money. the other thing they did was they gave ALL of my money to them instead of a portion. I dont think that is legal even if it was legal to obtain the money. Next they should have looked at the funding coming into the account. If they had done that the garnishment should have been returned to the law office as not serviceable due to Unemployment going into that account only. the check had just come. No one at suntrust stood up for me or said I was right because they knew a mistake had been made but they could not afford to let me know. I called in time enough for it to be stopped and they would not even do that. Whomever placed that on my account needs firing. What about everyone else? How many times is this being done to people who have federal funds? People who cant or dont speak up? When I looked and saw that Suntrust gets a fee of {$100.00} I see why because I could not see why they would turn against me their own customer for a creditor. If they do this to a million people look how much money they will have! My rent is gone and it was already short. Now I have nothing1
Product: Debt collection

M.A.R.S INC. is attempting to collect an alleged owed debt that was alleged Charged off or paid in full on my XXXX report M.A.R.S. INC is a debt collector according to 15 USC 1692a ( 6 ) See ( Exhibit 1 ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you with formal notice to cease any further communications regarding this account immediately. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through medium. *This includes but is not limited to telephone calls, emails, social media, or any Consumer Report Agency. 

Rights violated 15 USC 1692c ( a ) 15 USC 1692j ( a )
Product: Credit reporting or other personal consumer reports

I am filling this complaint to BIRCHWOOD for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked a copy of my credit file and unfortunately found that some of my personal information was incorrect. Please delete the inaccurate information from my credit file within the next 5 days. I will be thankful. I know that you have up to five days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have attached a document the information about my personal information that you incorrectly reported and should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a copy of my credit report due to fact Experian has not opt me out of credit offers. I opt out by letter 2 times to XXXX XXXX XXXX XXXX Texas XXXX Experian does not mail me a complete copy with all the pages to my credit file with all the pages with everything.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX I had requested for Experian to remove ( block ) the account XXXX XXXX XXXX XXXX from my credit due to me a victim of XXXX XXXX. The account was removed and re-Reported back on my credit file. I called XXXX XXXX and she told me she could only remove the item with a police report stating I am a victim of XXXX XXXX. I am asking that I am protected under the XXXX XXXX XXXX XXXX. I am very stressed. I have been robbed at gunpoint by the people finding me again and need to relocate. Due to the account being on my credit report. I am going to be going to the hospital due to stress if this is not resolved and I will be seeking to sue Experian for XXXX plus in damages for emotional distress, against a credit bureau under the Fair Credit Reporting Act ( FCRA ). If I get killed for still being in the same location and area, my family will also sue Experian for not assisting me with my request to remove the items. I will attached proof I have been robbed. I have to live in fear because of Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act account XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.