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

I recently viewed a copy of my credit report. It shows a student loan identified as XXXX.I have never taken out a student loan through XXXX. 

Per the Family Educational Rights and PrivacXXXX XXXX XXXX XXXX XXXX XXXX XXXXauthorized third-parties should have any supposed educational record and report them to data furrnishers of any sort : The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education recordsXXXX. 
FERPA applies to any public or private elementary, secondary, or post-secondary schoolXXXX 
It gives parents certain rights with respect to their children 's education records, and these rights transfer to the student when they reach the age of XXXX or attend a school beyond the high school level. 
Schools may disclose " directory '' information such as a student 's name, address, and dates of attendance without consent, but they must inform parents and students about directory information and allow them to request that the school not disclose it In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation. 

That means an original contract or similar proof, not just a printout of the payments that were made. 

Provide all DOCUMENTARY EVIDENCE from the public and private side according to XXXX that this is a valid and verifiable debt you are reporting and claiming the accused debtor " XXXX XXXX '' owes. I further demand you provide authenticated and verifiable proof that accused debtor " XXXX XXXX '' was given an advanced and lawful opportunity to opt-out to any disclosers of personal identifiable information to your corporation and its subsidiaries PAST AND PRESENT. 


Per the F.C.R.A, as a federally protected consumer, I am permanently opting out of any and all authorization, I the consumer may have under duress given you, written, unwritten, verbal, and non-verbal, per 15 U.S.C. 6802. This is effective immediately and indefinitely.

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am theConsumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I will contact a consumers rights attorney to pursue my rights for private action under the FDCPA and or the FCRA where appropriate.

See attached files and account number to validate my findings of FERPA VALIDATION
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN GDIR CEO XXXX  of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of this account immediately
Product: Debt collection

XXXX agree to disconnected service after they try to raise price I send back their equipment and was told no longer owe anything, but the invoice was sent out by mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my Equifax credit report. It does not state what company it is from. It should be not be on my report. I am not delinquent with any company. Please get this addressed immediately. I will like to act upon my rights according to the FDCPA. I know the FTC also believes in consumer fairness as well. This is not reporting on my XXXX   and XXXX report. The Account number listed on the Equifax report is XXXX. I strongly dispute the inaccuracy of this being my reported on my Equifax account.
Product: Checking or savings account

My stimulus deposit will be held until wed by the bank and then credited to my acct no matter when the bank received the funds from the IRS.. Why does the bank hold my money as their own and then deposit it when they see fit? They are using my money with out permission or reimbursement. They have issued a bank wide statement to all their customers that everybody 's will be deposited to accts on the same day. XX/XX/XXXX. Screen shot of their statement attached to this complaint. This statement sent to all consumers it is on their homepage.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX and I reported this to transunion. I mailed documents twice, they said they were not received and also took away access to upload them online due to this issue. So now I am stuck because they still says they haven't gotten them in the mail and is asking to send a 3rd time. I am exhausted.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 credit Breaus has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 credit Bureaus has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries reported only in my XXXX, XXXX and TransUnion credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Southwest Credit Systems - XX/XX/year> - I recently spoke with this company regarding a collections debt that is on all three of my credit reports. The creditor is XXXX. Ive requested on multiple occasions from this collector a debt validation letter and theyve refused to provide me with what Ive requested. Each time Ive requested the debt validation letter, they share that they can only provide a receipt of the total amount ( last bill ) from the company. I shared with the collections team that I needed to review a contract of some sort to confirm that it was me that had the debt and each time, I am denied or not provided a follow up of my request. Their only attempt is to collect on the account. They advised that it should be me that should contact T-Mobile regarding what Ive requested .
Product: Debt collection

On XX/XX/XXXX I pulled a copy of my credit report and noticed Calvary portfolio reporting derogatory information on my credit report. I wrote to them asking them to verify and validate the debt and they respond by sending me XXXX XXXX statement. This is the age of technology and anybody can create a statement. Calvary Portfolio did not send me what I asked for to properly validate the debt which is XXXX a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided.
Product: Checking or savings account

I called this morning to ask about any overdraft fees that I could be getting. The agent said no and I thought the XXXX dollars I had in my account was good. I went to go pay a bill and looked and I got charged XXXX dollars in fees.I distinctly as the agent and she gave me wrong information that results me in getting another fee! I'm extremely exhausted at this point.
Product: Credit reporting or other personal consumer reports

These hard queries do not belong to me. I have not authorized them and they must be removed. This too, thank you. 
- XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/22 I made a payment to Avant credit card company of just over {$35.00} to bring XXXX balance due to {$0.00}. Even before that payment I had {$260.00} to use to shop. On XX/XX/22 I tried to purchase ink for my computer to finish a project. The cost was just over {$71.00} at XXXX. The card was rejected 3 times. Knowing I had funds available I called Avant to find the problem. I was told by the rep that my account was deliquent which it was not the payment due on XX/XX/22 had an amount due of just unbder {$4.00} I paid in the afternoon of XX/XX/22 on time to bring the balance on the account to {$0.00}. I asked to speak to a supervisor after a XXXX minute wait I was told a supervisor would have to call me back. The call came on the morning of XX/XX/22 and the supervisor said there was a technical problem at there end affecting numerous customers. On XX/XX/22 in checking my email I was notified that my payment was recieved. I called Avant to double check to see if there technicsl problem was cleared as I really needed to purchase the ink. I was told there was never a technical problem they just don't allow people to use the card until a payment clears. I thought the agreement was if you had credit to use they couldn't block you from using it as long as your paid on time and were never late.
Product: Student loan

Hi, I am a XXXX XXXX  who was a victim of fraud. Years ago I received an email from a lawyer company stating I was a victim of student debt collection fraud. Years have gone by, I never heard from the company but what I attempted to do was call Bank of America at the time about the automatic payments I was paying over the year ( s ) to pay off my college loans. They said I needed to get in touch with Rams payment services. At that point it was too late. The company had changed all their information, I was locked out of my ramserving.com account and Bank of America refused to investigate. It had been maybe 2-3 years, post automatic payments of $ XXXX. To be exact XXXX. The website of the company that emailed about the student debt collection fraud was : XXXX XXXX XXXXXXXX They were horrible at keeping up with those we were scammed. As of today, I never heard back from them. 

To my surprise, today I found out Bank of America was forced by CFPB to pay out those who were scammed for student debt to that same exact company! My heart sank when I read the article because, I struggled to pay those student loans. I worked over time, and I was a XXXX XXXX. I literally left my kid with a sitter so I could pay off my loans. Here is the article : XXXX XXXX XXXX I have all the proof in my email. I never deleted just in case one day I would have an opportunity to get my money back. Can you please assist me in getting my hardworking money back? The deductions are on my bank statements, and I have the emails to prove I was paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX has failed to updated my credit report and hold creditors responsible for false information. I did not give them permission to sell my information to a collection agency. They did not contact on any of the delinquency.
Product: Prepaid card

On XX/XX/year> at XXXX hours, I used an ATM located inside a XXXX branch at XXXX XXXX XXXX, XXXX, CA XXXX. I request to withdraw {$400.00} plus the {$3.00} transaction fee. The ATM did not dispense the cash while displaying a not working message on the screen. I notified the XXXX staff and security guard who verified the ATM was malfunctioning. The next day the confirmed the ATM technician came and discovered the AT M was out of money and did not dispense any cash. 
The ATM produced a receipt showing {$0.00} was withdrawn and a message saying WITHDRAWL TRANSACTION WAS NOT COMPLETED. I contacted Money Network, the prepaid card services which receives and disburses my CA XXXX XXXXXXXX XXXX They stated I would receive a provisional credit and the dispute would take up to 10 days to resolve. I completed the dispute forms ( CLAIM # XXXX ) and emailed back to them. They confirmed they received the forms. A few days later a supervisor advised the provisional credit was not a guarantee and the investigation could take 45-90 days to resolve. This was the opposite information initially provided. Its also completely ridiculous and egregious to not resolve a clear error and credit back XXXXXXXX XXXX
Product: Debt collection

Portfolio Recovery another XXXX agency like XXXX and others who have been fined millions, probably the same, XXXX XXXX XXXX XXXX, is charging me for a debt I do n't even know about. The bank is not even in existence. How can you charge on a debt from a bank that does n't exist? I want this {$500.00} and something removed from my credit report, all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Mortgage closing missing necessary disclosures and according to XXXX XXXX XXXX, policy listed and paid for through closing but not purchased nor was Settlement Agent of XXXX XXXX XXXX or authorized agent provided. Closing docs provided to XXXX XXXX. Recorded docs of conveyance never seen nor received. XXXX XXXX stated to myself and Previously to CFPB that they weren't aware nor Servicing this loan. I filed claim with XXXX XXXX and finally was contacted by XXXX XXXX department canceling loan however dept hasn't been cleared to date. Received email from attorney that recission was received and accepted by XXXX. Initially began canceling in XXXX continuing to escalate since. Everything must be resolved within 20days according to cancelation laws. Missing TIL, TITLE insurance policy, purchase agreement, 2copies of right to cancel, Good Faith Estimate, etc... I signed cancelation however, this isn't new information for CFPB. 
This continues to negatively impact my credit and score due to debt being on Chase XXXX XXXX credit card and different information being provided to each bureau for many accounts
Product: Credit reporting

I have disputed this XXXX / XXXX card a few times with Experian. I do fully understand that Experian simply reports what is reported to them. However XXXX has sent me a letter stating they do not have ANY documentation on this account, as it was purchased from someone else and they only have their own spreadsheet with no billing statements as to what was purchased, etc. They admit they have no application or any evidence of any contractual agreement signed by me. Under these circumstances I do not think it is proper to accept XXXX statements that it has verified the account is mine.
Product: Debt collection

when I was XXXX my information was exposed and I had a lot of accounts opened. I havent use my credit for the last 3 years. I will summit all accounts here to see if by moving forward legally I can get this resolved.
Product: Mortgage

LoanCare has held a check since XX/XX/XXXX that is to be released back to me and my wife. This is a Hurricane Laura issue. 8 phone calls where we spoke with a natural person that told us they have approved our payment and will expedite. Each time same story and they have never followed through. The are grossly incompetent, lie, will not follow up, and never can provide an answer right away.
Product: Debt collection

Asset Recovery Associates continues to call about an account that was paid off years ago. The account is almost 20 years old. They claimed they could see our accounts and that they were going to make sure that my husband ( who was never on the account ) was also going be affected by my debt that was almost 20 years old and paid off by at least 10 years. They also claimed that his job would be notified about the debt. How do we make this stop? 
They also said it would hit my credit report at a certain date and that has passed and its not on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I mailed out my disputes to each of the credit reporting agencies requesting that validation of XXXX collection accounts that appeared on my reports. I sent each dispute through USPS Certified mail with tracking and signature upon receipt. Transunion received my dispute on XX/XX/2024 at XXXX pm according to the tracking. XXXX received my dispute on XX/XX/2024 XXXX pm according to the traciking. The Dispute that was mailed to XXXX was lost in the mail so I sent out a new dispute on XX/XX/2024 also using certified mail and that dispute was received on XX/XX/2024 at XXXX according to USPS tracking.In this dispute I requested that each CRA verify the validity of XXXX collection accounts listed on my credit report. the collection accounts are owned by XXXX XXXX and XXXX XXXX XXXX first account being in the amount of {$5300.00} and the next in the amount of {$1600.00}. I formally requested that they investigate the accuracy of these collection accounts and provide me with all pertinent information gathered during the verification process. That would entail but is not limited to : XXXX. Verification of the debt amount and its validity. 
XXXX. Documentation showing the original creditor and the nature of the debt. 
XXXX. Proof of any agreements or contracts that authorize XXXX XXXX or XXXX XXXX XXXX to collect on behalf of the original creditor. 
XXXX. Any other relevant information related to the account in question. 
Furthermore, I requested that all correspondence regarding this matter be conducted through certified mail with a signed receipt to ensure proper documentation and delivery. I also included in the dispute that under the Fair Credit Reporting Act ( FCRA ), it is my right to request verification of any disputed items on my credit report and I expected a thorough investigation and prompt response within the time frame mandated by law. Each CRA " completed '' their " investigation '' no less than a week and did not conduct a full investigation on these accounts nor was I contacted or sent any feedback in regards to the validation of these said debts. I also have a document directly from XXXX of the reported collection accounts ( XXXX XXXX XXXX ) that has a different account number than the one that is being reported to the credit bureaus and when I called and reported this to XXXX and XXXX, it was " investigated '' and still verified as accurate which is in direct violation of consumer law and is subject to a civil action. I have given the CRA 's ample time to do their investigation and nothing was done about it. I want these accounts removed immediately due to the CRA 's violation of reporting inaccurate and damaging information to my credit reports all while reporting it as " verified ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, I have made multiple requests to Trans Union to validate information reported on my credit report and to provide me with copies of any documentation associated with the information reported in the entry reflected on my credit report. Each time Trans Union responds with the statement verified and updated. They have neglected to the validate information reported on my credit report and to provide me with copies of any and all documentation associated with reported information. With each request, the information reported is updated to simply change inconsistences and to re-age the account as of the date of the request. Each time these changes are made, my credit score is lowered significantly by the re-aging. 

As of this date, Trans Union/XXXX continue to report unverified, unvalidated, inaccurate and, inconsistent information on my credit report. 

Below are a few examples of the inclusion of unverified, unvalidated, inaccurate, inconsistent information on my credit report with Trans Union ( evidence is enclosed for your reference ) : 1. XX/XX/XXXX : The account shows closed on XXXX as a charge-off with a balance of {$10000.00}. ( Exhibit A ) 2. XX/XX/XXXX : The account is reporting payments made in XXXX and XXXX which re-aged the account. ( Exhibit B ) 3. XX/XX/XXXX : A remark was added Charged off as bad debt Profit and loss write-off. ( Exhibit C ) 4. XX/XX/XXXX : The account shows closed XXXX with a balance of {$12000.00}. ( Exhibit D ) 5. XXXX, XXXX : Per XXXX XXXX, Trans Union is reporting that the account was late one month ago which would be XX/XX/XXXX ( re-aging the account ). ( Exhibit E ) 6. XX/XX/XXXX : The account was updated to reflect the account was closed XXXX ( which again re-aged the account ) with a balance of {$12000.00}. NOTE : The ratings chart associated with the account on the same date contradicts that information by showing that that the account was charged of XX/XX/XXXX. ( Exhibit F ) 7. XX/XX/XXXX : Status continues to report closed as of XXXX, XXXX. ( Exhibit G ) After receiving the response to my most recent request from Trans Union in XX/XX/XXXX, on XX/XX/XXXX I called Trans Union to discuss this matter and spoke with their representative named XXXX XXXX. I pointed out examples of the unverified, inaccurate and, inconsistent information being reported. XXXX XXXX acknowledged that the information was at the very least contradictory and inconsistent. The only resolution that he was able to offer me was to file a dispute AGAIN. I explained that I have filed multiple disputes to no avail.