23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I reached out to Chime on XX/XX/2022 regarding a service that I paid for on XX/XX/2022 iao {$1000.00}. I disputed due to the service not being as advertised I received an email saying it would take 30 days to investigate. I then received a notice the same day a few hours later saying my claim denied. I submitted my claim again because I didnt feel that they thoroughly investigate to see what acutally was going on and my reasons that I was requesting a refund. I got another generic email saying my claim was again denied and they told me I could basically escalate it and send over my proof documentation in which I did. To which I received yet another denial email and they were basically saying it was past 60 day timeframe and that they didnt find any wrong doing on the merchants end. I feel as if they dont wont to do their part and protect their clients hard earned money from scammers such as XXXX XXXX . I paid my hard earned money for her class that was supposed to teach me everything I needed to know to start a business but wasnt taught absolutely anything. The lady that I paid for her course was recently exposed for being a scammer and it was all over XXXX and I didnt find out till XXXX at that time is when I reached out to her and told her I didnt learn anything from her class and that i would like a refund and I was denied since I accessed her class according to her. She failed to mention to any of her students that was a 30 day refund policy. Had she let us know back then I would have requested it within the 30 days because I knew immediately after I accessed course it was not what I paid for but was scared to say anything since she has reputation of posting people that speak out against her on her XXXX page so her XXXX followers can see it and talk bad about u.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a fraudulent inquiry was placed on my XXXX report. I contacted the bank Synchrony and XXXX to have it removed. I filed a FTC report and mailed letter twice to XXXX with info they requested. I also have called synchrony 3 times each time they tell me they are or have sent information to XXXX to have it removed. To this date XX/XX/XXXX its still on my report. Pleas help me get this removed. Thanks
Product: Consumer Loan

I had a repossession back in early XX/XX/XXXX with a balance of 2100.00. I purchased a vehicle for my sons father and he did n't pay when we split. In XX/XX/XXXX, I disputed the debt after 7 years and the repo was taken off my credit report. Today I received a letter insisting I pay the debt. There are Barr laws in NC. I have n't heard from this debtor in years since I had the debt removed from my credit. It 's been 10 years.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as possible. 

I Noticed This Information XX/XX/XXXX ACCOUNTS : Account name : XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$180.00} Account name : XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$1400.00} Account name : XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$17000.00} Account name : US DEPT OF EDXXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$4700.00} Account name : XXXX XXXX XXXX  Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$4700.00} Account name : XXXX XXXX XXXX Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$1100.00} Account name : XXXX XXXX XXXX  Account number : XXXX When account was opened : XX/XX/XXXX Account balance : {$1500.00} Account name : XXXX XXXX XXXX  Account XXXX : XXXX When account was opened : XX/XX/XXXX Account balance : {$440.00} INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry XXXX : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX is continuing to show that they hold all of my accounts with over {$60000.00} worth of loans, however, they were paid off by consolidation with XXXX in XXXX. I noticed that the loans reported by XXXX were duplicates and submitted a dispute through Experian XX/XX/XXXX to have the accounts showing closed, however, XXXX reported there being no errors and the accounts continue to show open on my credit reports. 

My loans have since been forgiven through PSLF and XXXX has removed them from my credit report, but XXXX accounts still show. I submitted a 2nd dispute through Experian to XXXX XX/XX/XXXX, and XXXX has yet again refused to update the status of my accounts. 

I called XXXX today, XX/XX/XXXX, and was told that the accounts will just " take some time '' to remove from my credit. There was no specific date or timeframe provided and no explanation. It makes no sense that XXXX would take 1-2 years to remove information from my account, yet XXXX was able to get everything removed within a few weeks of PSLF being forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavors 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 extortion. 
: XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX WY XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$190.00} ; XXXX XXXXT XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit card

A credit card was open with Goldman Sachs to Apple with my information while I was under medically induced coma, an identity theft affidavit has been provided to the IRS because my taxes were filed as well. Police reports have been made. I have contacted Apple for years back to back about this in each time I speak to a supervisor or customer service representative and send the police report in They remove the balance dispute for a few months and then they added it right back with interest Apple has also banned my social for utilizing Apple Pay on my phone for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account # XXXX was paid to debt collector and not remove from my report
Product: Credit reporting or other personal consumer reports

Dear To Whom It May Concern, I am writing to formally request the removal of certain inquiries listed on my Transunion and Experian credit report, as they do not meet the permissible purpose criteria established under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 604.

Upon reviewing my credit report, I noticed several inquiries that appear to be made without my consent or knowledge, or that do not align with the permissible purposes defined in the FCRA.

Under 15 U.S.C. 604, a consumer reporting agency may furnish a consumer report only for a legitimate purpose, which includes, but is not limited to : XXXX. A request made by the consumer. 
XXXX. A review by a lender to determine a consumer 's creditworthiness for an application they submitted. 
XXXX. Any other legitimate business need as permitted under the FCRA. 

Since the inquiries in question were not made with my consent or for the proper purposes, I kindly request that you investigate these inquiries and remove them from my credit report. 

Please find included a copy of my credit report highlighting the inquiries in question, as well as documentation supporting my request. I appreciate your cooperation in addressing this issue and look forward to a prompt resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Thank you for your attention to this matter. 

Sincerely, 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 privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX ( CLOSED ) XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX ( CLOSED ) XXXX Account Name : XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In accordance with the fair credit report act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX XXXX XXXX # off account XXXX amount {$6700.00} date opened XX/XX/XXXX Account : XXXX XXXX XXXX # of account XXXX amount {$5200.00} date opened XX/XX/XXXX Account : XXXX XXXX # of account XXXX date opened XX/XX/XXXX 15 U.S.C 681 section 602 A states I have the right to privacy 15 U.S.C 681 section 604 A section 2 it states a customer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no customer reporting agency may make any report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has responsible cause to believe that this information is inaccurate.
Product: Student loan

The past three payments I have attempted to make towards paying off my unsubsidized loans have been reversed without being given a reason. This is not an error of my bank, as I have full funds available to make these payments. The payment reversals have been on XX/XX/XXXX for {$75.00}, XX/XX/XXXX for {$75.00}, XX/XX/XXXX for {$600.00}, and XX/XX/XXXX for {$700.00}. 

In addition to that, I have not been contacted stating that the payments have been reversed. I have called today, XX/XX/XXXX, and have yet to be contacted by EdFinancial.
Product: Credit reporting or other personal consumer reports

I have been communicating XXXX regarding my loan prior to XX/XX/XXXX XXXX XXXX, XXXX. A representative disclosed to me today that my loan account was charged off on XX/XX/XXXX due to XXXX  months of non payment. 
The representative XXXX told me that my loan has been charged off since XX/XX/XXXX because 3 months starting XXXX XXXX XX/XX/XXXX they received no payments from my employer which is inaccurate. 

The reporting of this account is inaccurate and violates my consumer rights to fair accurate reporting under FCRA XXXX. 
It also goes against the Fair Credit Billing Act I have made payments consistently through financial allotments from my employer and I have questioned XXXX several times regarding the accuracy of my account balance and reporting of my account. 

I have tried to resolve this issue with XXXX diplomatically and yesterday XX/XX/XXXX a representative from your office has brought it to my attention that funds of over {$2700.00} were in the bank and I needed to contact XXXX to release the funds to XXXX. 
He texted me the number to call XXXX and they wired over the sum of {$2700.00} to XXXX XX/XX/XXXX. I was never told that my account was charged off or late during this time as well. I was told that my account was current and they did not report me as late to the credit bureaus. 

I was never notified in writing or via email or even verbally that my account was delinquent and now my I am being told that it has been over a year and my account was charged off in XXXX but never reported as such. 

Not only has XXXX been stealing my money they received a transfer from the bank yesterday XX/XX/XXXX is the sum of {$2.00}, XXXX that the bank has been collecting for the allotments. This is not being reported to me or the credit bureaus as well. 

I was told that my account is eligible for a refinance of {$10000.00} after XXXX more payment is made yesterday when I spoke to a representative. 

There is clearly a communication issue with XXXX as well as unlawful conduct fraudulent practices and billing misconduct by XXXX and the staff in their office. The account has been reporting as current even after the alleged charge off date of XX/XX/XXXX. I have attached the reporting scale below.
Product: Student loan

I contacted XXXX XXXX XXXX the summer of XXXX requesting a refund of all payments paid during the pandemic. I was told to wait 30 days and I should have the refund. I contacted them again around XX/XX/XXXX and was told that the loan was transferred to Mohela. I was told that the request to refund payments paid since XX/XX/XXXX was transferred when my loan was transferred. I requested a payment history. XXXX said that they do not have it because they transferred everything, including my history. 

I contacted mohela regarding the refund request and payment history. They told me they could not refund payments paid prior to the transfer and they do not have the payment history. On or around XX/XX/XXXX, I again contacted mohela. I was told that they did not have a refund request in their system and it would take 90 days. They sent a payment history, 4 of the 7 original loans. It is now XX/XX/XXXX and I continue to have unresolved problems with my servicers. I have yet to receive the refund of over $ XXXX owed to me, they have not sent a payment history for the 3 loans that are recently paid off. Any help resolving these issues is greatly appreciated.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where XXXX neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction actions to remove or amend the dispute accounts, as XXXX inaction violates federal law and my rights as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the ( 5 ) charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

The billing information the company had was incorrect. Theyre falsely reporting late on my credit report. I have tried repeatedly to resolve this with them and they are in non compliance with the federal trade commission. They are brushing me off saying I am sending frivolous letters. Theyve charged me late fees and finance charges and continue to damage my credit.
Product: Money transfer, virtual currency, or money service

PayPal refuses to close my accounts.
Product: Credit reporting or other personal consumer reports

I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. 
Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I made a transfer of {$100.00} exactly and they told me it completed but my other bank hasn't received anything and this isn't the first time Cash app has has issue with miss placing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok DCI removed a bunch of collections from medical bill. Then the added a bunch more for XXXX {$3.00} {$2.00} XXXX Their trying to collect interest on old debt. Then if I pay it to remove it they start all over again. The debt is over XXXX XXXX XXXX. I dont want to contact them I have never talked to them or enter into any type of agreement with them. They r sabotaging my credit an its.not ok Im need to be able to at least buy a house an a automobile to live
Product: Credit reporting or other personal consumer reports

Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my XXXX XXXX TRANSUNION CONSUMER REPORT.
Product: Student loan

I was actually attending the XXXX XXXX XXXX XXXX XXXX in XXXX Pennsylvania, But this school is not available on the list and has been closed. The dean was caught embezzling money, this chain of schools has lost multiple lawsuits due to their predatory loan system. They have been caught colluding with XXXX XXXX to increase student loan debt and using things such as false placement rates and led students to believe that they would not be making poverty wages once being placed in a job in their field. I was also told by XXXX XXXX not to even pay them anything if I could not pay more than $ XXXXmonth because it would not cover interest, and then proceeded to double my loan amount in late fees and interest. I would like to know if I am eligible to participate in a class action lawsuit against the school or XXXX XXXXNavient for conspiring to trick students into paying near 44 % MORE to attend these schools to get out and make poverty wages with no benefits. This company is very predatory and has hurt myself and many other students.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday, XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To whom it XXXX concern, Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal rights Pleased removed ASAP Sincerely, US DEPT OF EDXXXX Account XXXX Balance {$160000.00} Balance updated XX/XX/2022 Original balance {$120000.00} 15 USC 1681b Permissible Purpose Its a violation to report information without my consent I have never provided any written consent to report this item on my credit report according to 15 USC 1681b this is a violation of my rights. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal. Please remove from account with 30days XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.