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

2-3 years ago I lost my job and started using my credit to get loans to last a few weeks Im doing better now and I want to fix all loans I have
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I purchased a prepaid card from my local store. Added {$150.00} to it and once I got home and activated it Netspend locked the card and me out of the account. 
I have made many attempts to contact their customer service department about this issue, Via email, telephone to no avail. 
The customer service representative whom replied to my initial email claimed they couldnt fix my issue through email. What issue!? 
I bought & loaded the card what issue is there? 
I dont understand. Now my weeks grocery money is completely tied up with this company and we have no food in our home because of Netspend! Release my money!
Product: Checking or savings account

On XX/XX/XXXX my account was charged {$9800.00} in payment of a check that was orignally written by me for {$12.00} but stolen from a Postal Service collection box. It was altered to change the amount and the payee. I originally notified Chase Bank of the fraudulent check on XX/XX/XXXX and filed a claim on XX/XX/XXXX at my local branch bank. In the following months during repeated calls to the Chase check fraud department I was told my claim was in process. Then on XX/XX/XXXX ( four months after my original filing ) I was told that nothing had been done on my claim because the wrong form had been used! I subsequently completed and faxed a new form on XX/XX/XXXX ( fax confirmation attached ), and again on XX/XX/XXXX ( confirmation attached ) and finally a XXXX  time on XX/XX/XXXX ( confirmation attached ). After all these filings and numerous phone calls to the bank 's claim department and being repeatedly told my claim was in process I kept getting letters telling me that they needed more information and askimg me to complete and submit the same clairm form ( " Declaration of Unauthorized Endorsement or Altered Item '' ) that I had submitted months before. Still no progress has apparently been made on my claim. 

I am more than frustrated and fed up with Chase Bank 's complete failure to process my claim in a timely manner and repeatedly giving me false information and asking me to resubmit my claim. At thtis point I am tired of playing their games and just want my money back!
Product: Credit reporting or other personal consumer reports

iin accordance with the fair credit reporting act. the list of accounts below has violated my privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXXXXXX ACCOUNT ENDING XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 

15 USC 1681 Section 602 A, states i have the right to privacy.

15 USC 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 and crimes which antedates the report by 7 years.

15 USC 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
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting my credit score at XXXX. It was XXXX, 3 years ago. My credit score with XXXX is XXXX. It seems you should update your records before reporting a faulty credit score. I have worked so hard to get this up and you made me look terrible. Thanks a lot! 

XXXX XXXX was able to help me finance a car.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of identity theft stemming from a recent data breach, and these accounts and inquiries were created without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all items listed be removed. 
Accounts to be Blocked and Deleted : XXXX  - Account Number XXXX Date Opened : XX/XX/XXXX Amount : {$320.00} XXXX  - Account Number XXXX Date Opened : XX/XX/XXXX Amount : {$330.00} Inquiries to be Blocked and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( " XXXX '' ) has consistently and willfully failed to update my information to major credit reporting bureaus within a timely manner. They have failed to update in XX/XX/2018 and failed to include my monthly payments on my credit report. This has led me to be denied for several mortgage loans strictly because of XXXX 's inability to furnish timely and accurate information to the credit bureaus. 

My monthly payment should be listed at {$160.00} instead of {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reportin

g Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expre
ssed written consent.
Product: Debt collection

This debt was previously sold to two different debt collection agencies- XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX Per my previous complaint with the CFPB, this debt was legally guaranteed from XXXX XXXX  XXXX and XXXX to be deleted from my credit infinitely under the circumstances of obscene harassment and threatening me illegally. There is legal binding paperwork to prove this. However this debt was then sold to a third debt collection agency after being provided legal binding paperwork that this account was closed and deleted. On XX/XX/XXXX, National Credit debt collection agency reinstated the debt illegally on my credit report and has illegally given my personal information ( full name, birthday, and social security number ) to people who are not me and have not validated they are me. Therefore my identity has been compromised. They have also provided fraudulent remarks on my credit stating this debt is " severely past due '' and that I supposedly have " missed payments ''. They have also harassed me over a dozen times after stating to them to not contact me and threatened to take illegal action against me. As a result of these illegal activities from this debt collection agency, I am letting this complaint serve as a final notice for this to be deleted from my credit with written confirmation again. If this is not the result, I will have my attorney be in contact with this agency. Thank you.
Product: Credit reporting or other personal consumer reports

Experian is still reporting inaccurate residential and business addresses on my credit report. I have written them several dispute letters via certified mail asking them to remove any and all addresses that do not belong to me. It's been more than 30 days and I have sent four dispute letters asking to verify the accuracy of said addresses and there still has been no response. I can not receive any mail because of these inaccurate reporting on my credit report.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/2014 Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2014 Reference # : XXXX
Product: Student loan

I graduated from Iowa XXXX with a XXXX in XXXX XXXX in XX/XX/XXXX with a balance of {$60000.00} after the accrued interest during college had been capitalized. I set up my payment plan based on income online with XXXX XXXX ( Now Navient ). I made regular payments of {$140.00} on time for quite some time and noticed that the payment increased to {$330.00} in XX/XX/XXXX. At the time I attributed this increase to getting married and filing joint income. I continued to make on time payments and called several times during my divorce in XX/XX/XXXX which was finalized in XX/XX/XXXX. At the time I was very short for cash paying for a lawyer and getting a new place but I continued to make on time payments while making calls frequently trying to reduce payments. I believe during that time period that I was possibly changed to a new payment plan though the phone calls were very confusing. I have since continued to pay on time and again the amount never changed. Recently I did some deeper investigation and I believe I am a victim to the misleading payment plans similar to many others currently filing the class action law suite against Navient for such misleading behavior. From XX/XX/XXXX to XX/XX/XXXX and then from XX/XX/XXXX to current there was XXXX principal paid. 

As I stated, I graduated with a balance of {$60000.00} and I have since made on time payments totaling {$15000.00} and yet by some devious miracle my principal is now {$64000.00}! So I have paid nearly SIXTEEN THOUSAND DOLLARS only to owe over FOUR THOUSAND MORE THAN I DID IN XX/XX/XXXX! 

It also appears to me that the interest has been capitalized numerous times for unknown reasons to which I can not get a clear answer. 
Questions I need answered : - Under what circumstances does the interest capitalize? 
- Have they been switching me to new payment plans every time I call? 
- Has my 20 year clock for forgiveness reset possibly multiple times or will they honor the XX/XX/XXXX start date? 
- How can I possibly owe more than the original balance if their payment plans were honest and their support staff were truthful in their directions? 
- I am still trying to change my payment plan but I am afraid I will mess things up even more. I would like to switch to the REPAYE plan but I do n't even know what plan I am currently enrolled in or if that will reset the 20 year clock or lead to other problems. It says you are required to update this annually but does not provide any indication or the ability to forecast future payment schedule based on income or family size changes in the future. Meanwhile nobody you speak with at their ridiculous company provides any clear and honest direction for an honest hard working father like myself trying to make ends meet. 
-I provide more than 50 % physical and financial support for my XXXX children as well as my domestic partner and her XXXX children. I should be able to account for this in my student loan payment plan but I am afraid any changes will create more issues. 

Companies like this are destroying the futures of people in my generation and this bubble has got to pop! 

Thank you - your help is much appreciated.
Product: Debt collection

Ive reached out to LVNV Funding for a debt verification letter no response just multiple attempts to collect the debt that I dont know who its from. I was told that it was passed to them from a third-party.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information on Credit Report XXXX XXXX XXXXXXXX Account Dear Sir/Madam , I am writing to formally dispute inaccurate information reported by XXXX XXXX XXXXXXXX on my credit report. Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n. 

Details of the Disputed Account : Account Name : XXXX XXXX XXXXXXXX Discrepancies and Errors : Incorrect Reporting of Account Status : The account shows it was charged off, but there are inconsistencies in the payment history and charge-off dates that suggest inaccurate reporting. This violates the FCRA, specifically 15 USC 1681e ( b ), which requires that consumer reporting agencies maintain the maximum possible accuracy of information. 

Balance and Past Due Amounts : The balance and past due amounts are both listed as {$1000.00}. This may include erroneous fees or charges that were not properly documented or validated. This is a violation of the FCRA, under 15 USC 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers of information must provide accurate information. 

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected, indicating potential willful noncompliance by the credit reporting agencies and XXXX XXXX XXXXXXXX. Under 15 USC 1681i ( a ), credit reporting agencies must reinvestigate disputes and delete any inaccurate information if they fail to validate properly. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages. 

Account Closure Details : The comment states the account was closed at the credit grantors request. If this is incorrect, it needs to be rectified immediately. Providing inaccurate information about account status violates 15 USC 1681s-2 ( a ) ( 1 ) ( B ).

Payment History Inconsistencies : The payment history reflects numerous charge-offs and past-due statuses without clear updates, suggesting potential errors in the reporting timeline. This inconsistency violates the FCRA 's accuracy requirements as outlined in 15 USC 1681e ( b ). 

Failure to Receive 1099-C Form : I did not receive a 1099-C form for the charged-off debt, which is required by the IRS when a debt of {$600.00} or more is canceled. Failure to provide this form is a violation of IRS regulations and affects the accuracy of my credit report. This also violates the FCRAs requirement for accurate and complete information as per 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ).
Product: Money transfer, virtual currency, or money service

I tried to do a transaction from XXXX crypto currency wallet to my coinbase wallet, the money never appeared. I contacted XXXX  support they got back to me in 3 days telling me everything went fine on their side. Tried contacting coinbase 3 times and tried to call and still no response over a month. 

Transaction ID : XXXX Date : XX/XX/2021 Amount : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Have spent hours literally on the phone and try by email and website to fix error on my report - get a different song and dance every time
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently It was finally discovered there were two credit files that needed to be merged with Equifax. I recently filed a complaint against Equifax XXXX ... It was discovered by XXXX XXXX XXXX XXXX XXXX after contacting business equifax of the two files. I verified info last week of XXXX having them finally mergeged with the 2 loans disputed added on 1 file! Now my delima is my score represented of the change of BOTH FILES BEING MERGED RECENTLY ... PLEASE ASSIST
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES XXXX XXXX Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( XXXX ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( XXXX ). 

Accounts listed below in XXXX  XXXX highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States XXXX Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA XXXX ( 15 U.S.C. 1681c-2 ) And Accounts listed below in XXXX  XXXX highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2.

Account name : XXXX XXXX XXXX Account name : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.