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

I use the travel agency uplift.com. when XX/XX/XXXX of 2022 I called in to pay my bill for XXXX and XXXX. After having a brief conversation on the phone with the representative as he was confirming my identity and taking my information to pay my bill, later that evening I received the text from an unknown number which turned out to be the representative that I spoke to at this company. This representative took it upon himself to take my telephone number off my application and reach out to me for his personal gain. After letting him know that he should not have reached out to me I googled his area code and he lives in the same state as I do. That alarmed me I have been petrified ever since. I have since went and brought some kind of protection from my door, I also went to start the process of getting my license to carry a concealed weapon. This situation I feel that it is harassment, it has me nervous all the time, I'm always watching my surroundings, and I just do not feel comfortable in the place in which I reside anymore. This representative has access to my address as well as my social and of course my telephone number. I am no longer comfortable where I live and have been residing for the last 3 years. I'm hoping that someone can help me with this urgent matter.
Product: Credit reporting or other personal consumer reports

Equifax is reporting 2 h

ard inquiries on my credit report that I did not authorize. This is in direct violation to 15 U.S.C 1681b ( a ) ( 2 ), as I did not provide written instruction or permission to furnish them on my consumer credit report.

This is also in direct violation to 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Information Regarding Inquiries- as I did not initiate this credit transaction.

I called twice and spoke with 4 people ( 2 supervisors ) to get the unauthorized inquiries removed from my credit report, and I was told they will not remove them.
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 to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX  account number XXXX, Account name - XXXX XXXX  account number XXXXXXXX XXXX XXXX xxxxxxxxxxx XXXX, Account name : XXXX  Account number xxxxxxxxxxx 1631 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 an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : No consumer repoeting agency may make any consumer report containing any of the followong information. Any adverse item of information, other than records of conviction of crimes which antedates the report of 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX  XXXX with account number displayed as XXXX on my XXXX  XXXX report, shown as XXXX on my XXXX report, and alleged as XXXX on my Equifax report. 

Account name : XXXX XXXX with account number displayed as XXXX on my XXXX  XXXX report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on Equifax in this reported claim on my Equifax report XXXX 

Account name : XXXX XXXX with account number displayed as XXXX on my XXXX  XXXX report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on Equifax in this reported claim on my Equifax report XXXX 

Account name : XXXX XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX XXXX XXXX * * on my XXXX report, and alleged as XXXX XXXX XXXX * * on my Equifax report. 

Account name : XXXX with account number displayed as XXXX on my XXXX XXXXXXXX report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on Equifax in this reported claim on my Equifax report XXXX 

Account name : XXXX  with account number displayed as XXXX on my XXXX XXXXXXXX report, shown as XXXX on my XXXX report, and alleged as this information is NOT REPORTED on Equifax in this reported claim on my Equifax report XXXX has violated my rights. 

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

This is my second endeavor 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The company XXXXXXXX XXXX XXXX received our loan after it was sold to them by XXXXXXXX XXXX 

We are an absentee owner and XXXXXXXX XXXX  failed to notify us at the correct address of record. Without proper notice they reported a delinquent status on our credit report and that resulted in a massive drop in my credit score. 

Section 12 CFR 1024.32 ( a ) of the RESPA provision states the duty of the servicer and that the borrower must receive notices at their correct addresses.

12 CFR 1024.33 ( b ) ( 1 ) of the RESPA provision states that the mortgage servicer is in a breach of obligation as they must use the borrower 's correct address and confirm it as such.
Product: Debt collection

I was XXXX years old and had health insurance through my father. XXXX refused to file it will my insurance so it went into collection. I'm in the process of buying a home and I need this resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, for which the documentation was submitted to Experian to remove the XXXX XXXX XXXX account, with # XXXX they removed it from my credit report, and they reinserted the account that does not belong to me without notifying me by mail 5 days before as required by law, so I request that you remove this account as soon as possible.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Southwest Credit Systems account # XXXX has violated my rights. 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 states a consumer reporting agency can not furnish a account without my written instructions. I filed a dispute with experian the amount is {$380.00} and was reported on XX/XX/2022.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I wired funds from PNC to XXXX PNC wire system glitched with 1st wire never sent so I was told 2nd wire sent again an duplicate wire was made in ERROR OF PNC.. I HAD MONEY IN ACCOUNT TO COVER SO THEY SENT 1 UNAUTHORIZED AN CHARGED ME TWICE I DISPUTED UNAUTHORIZED WIRE WAS REFUNDED WIRE FEES. 
XX/XX/XXXX MY ACCOUNT WAS CLOSED DUE TO THIS ISSUE AN MY FUNDS WITHHELD NOW 24 BUSINESS DAYS AN COUNTING!! Lied to several times was told 7-10 days on the XXXXTHEN TOLD I COULD GO TO BANK AN RECEIVE CHECK EVEN THOUGH ACCOUNT HAD BEEN CLOSED ONLY TO BE HUMILIATED AFTER SITTING 3HRS WAITING WHILE LOSING MY MIND BUSINESS SINKING AN GETTING NO RESULTS..CASE WAS REVIEWED TO BE RESTORED ONLY TO BE TOLD IT WOULD BE 7 -10 MORE DAYS I HAVE SINCE LOST EMPLOYEES ACCOUNTS EQUIPMENT INVESTMENT AN SLEEP.TOLD ONCE AGAIN TO GO TO BANK ONLY FOR BANK MANAGER TO TELL ME NOT TO LOOK AT HER IN THE EYES AN I WAS CRAZY.. IM MENTALLY DRAINED AN EMOTIONALLY DESTROYED PNC HAS RUINED MY SMALL MINORITY 100 % OWNED BUSINESS . 
WHAT TOOK ME YEARS TO BUILD THEY HAVE DESTROYED BY REFUSAL TO SEND MY MONEY IN THE MOST TIME SENSITIVE CASH INTENSIVE INDUSTRY IT IS A VERY LARGE AMOUNT THAT I WAS TOLD TO HOLD MY HEAD DOWN LESS THE MAN WHEN ASKING FOR IT.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802, which you can include and state that you DID NOT receive the required opt-out notice when you created the account being reported ( they never give you the opt-out notice ). You have a right to opt out of any non-public info reporting. 

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent 15 U.S.C. 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions for crimes, that antedates the report by more than seven years. 

15 U.S.C. 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions for crimes, that antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership named XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX Illinois XXXX. They informed me that the were only going to run my credit report for XXXX XXXX to apply for an auto loan with them. Without my knowledge I notice they put multiple inquiries on my credit reports that I did not authorize without my consent and unknowingly put these inquiries on my credit report. 
Inquired Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XX/XX/XXXX I received an Amazon/Chase Bank credit card in the mail with a {$6500.00} limit ready to be used after I would call to verify the card, I did not request or sign up for this card I do not do any business with Chase or Amazon and never have. I checked my credit inquiries and see there was a Chase bank inquiry done on XX/XX/XXXX that was not from me so I suspect fraud, it is marked as a hard inquiry and would like it off my credit especially since I have not has a hard inquiry since XXXX XXXX. I called the phone number on the card from Chase to close the account, the initial person on the phone after telling them I had suspected fraud was trying to convince me to keep the Amazon/Chase card and was telling me all about its benefits, I told them no thanks just close it, they quickly said ok and basically hung up on me, after another call later in the day yesterday XX/XX/XXXX I spoke to someone else to make sure it was closed and they said it was. The odd thing about the second call to Chase since I have never done any business with them is they had asked to verify my mothers name to verify it was me on the phone, I gave them my mothers maiden and they said that was correct. I am not sure how they would have or know that since the only answer to that question I have ever given to is my other bank card, with XXXX XXXX XXXX XXXX and on my XXXX account I use for credit reports/taxes.
Product: Student loan

Hello, Today I called Navient to find out when my Student Loans would be discharged and the trade deleted from my Credit reports because the school, I attended was XXXX XXXX XXXX, which is part of the Lawsuit with the US Department of Education. 

The representative XXXX advised me today that Navient sent a request to all 3 Credit Bureaus on 4/18/2024 showing the balance PIF and requested they remove the entire trade line from my Credit reports. 

I told XXXX I never received any correspondence about my Loan being PIF or officially discharged, I asked her to send me a letter confirming because the Loan is still on my Credit reports as of 1 1/2 months ago, and that I would be pulling new Credit reports today.

I pulled my Credit reports, and the Trade line has not been removed, and my Student Loans are still showing a balance of over {$58000.00}. 

I called Navient back today and spoke with the representative XXXX, she advised me the trade line would not be removed, and the Loan would have to remain on my Credit file for the next 7-10 years. 

This is XXXX per the Lawsuit, this loan should have been discharged a long time ago and removed from all 3 of my Credit Reports. I do not have time to play games with Navient and babysit anyone from that office.

I need your help to get them to do right by me. Thank you for your help and take care
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2021 there was fraud on the credit card. In XXXX there was fraud XXXX  charges and in XXXX there was spoofing of XXXX to make more fraud charges. They are clearly fake charges and illegitimate charges made to look like XXXX should not be the responsibility of the customer but the financial institution. 

Additionally Chase fraud department lied to me telling me that they had proof of XXXX being legitimate transactions. Only after I called XXXX did they change their story and tell me that I reported the issue too late and therefore they will not assist me. I think their fraud department may be in on the scam or leaking information.
Product: Vehicle loan or lease

I purchased a car through Chrysler Capital on XX/XX/XXXX. The Car was inoperable just weeks after purchase. There were repeated break downs of the vehicle and being unable to pay the monthly note and repairs. I appealed to Chrysler Capital about my situation. They offered me extensions, and deferred payments plans. I took them out of desperation. Along with this offer I did not receive the required disclosures explaining the terms, costs, fees, interest, associated with the deferred payment and extension plans, in itemized detail. The disclosure I received from Chrysler Capital did not consist of this type of information. I would not have consented, had I been warned of the risks involved. There is an outstanding balance due to this. 

The vehicle is faulty. There was a recall for the ignition switch. I have problems repeatedly with the parts that connect with the ignition. This is a case of miss selling and usury. I'm totally dissatisfied with this vehicle. I feel as though my civil rights has been violated according to the TILA Act. Interest will continue to accrue on the remaining balance. My initial maturity date was XX/XX/XXXX. Chrysler Capital stated that I would have finished paying for the vehicle had I not utilized their deferred payment and extension plans. I am seeking relief from the outstanding balance.
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting All incorrect personal information listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the information was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Debt collection

There is a collection item on my credit report from the company VALLEY COLLECTION SERVICES. It looks like the original creditor was the City OF XXXX AZ XXXX. I have NEVER lived in Arizona.
Product: Credit card or prepaid card

Reference is made to my last complaint against Amex :  XXXX .
I understand that a resolution was made ; however, that resolution was made on the premise that Amex was accurate and truthful. They were not. In its response, dated  XX/XX/XXXX , they advised that none of the payments referenced cleared the bank. That statement was untrue and they knew or should have known that it was untrue.
Further, they advised that I had not proven up that I did not demonstrate that the money was in the bank. Again, their statement was false and they knew that.
The referenced   XXXX  paymen ts cleared on  XX/XX/XXXX . I took a snapshot out of my  XXXX  payment to prove up that fact. Additionally, another {$400.00} cleared  XXXX  on  XX/XX/XXXX , and they should have known that.
I believe that the bureau 's decisions are final. I think that is predicated on the truthfulness of the response. Amex was not truthful. They specifically stated that they were not reinstating for the reason that the subject payments did n't clear ( they misinformed the bureau ). Similar with the fact that   XXXX    bank did not err.
I understand that the Bureau could rule in a fashion with which I might disagree ; however, Amex should not be allowed to make what appear to be, purposely, false statements and benefit from such untruths. Amex should be held to their own statements. In this case, it stated that the reason that they were not reinstating me was because the payments did n't clear, etc. Given the stated causal connection, and given that Amex misrepresented the facts, I think that they should be held to their own statements.
Amex did reference that they called for me on  XX/XX/XXXX . I do n't know whether or not that is a true statement ; however, I do know that I neither saw the call nor did I get a message. Perhaps they could have shown the interest to make, at least, a second call.
Product: Debt collection

I have made arragements to pay them but they continue to call XXXX XXXX is handling my creditors an they all have been notified properly/ I am not trying to avoid paying anyone just through this structured payment plan. Regions Bank been the only creditor that have harassed me calling day an night home and cell phone back to back. cell number \ XXXX XXXX have already made a agreement to pay off one bill 3 payments and will be negoiating the next.