23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have filed disputes with TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. Despite listing the accounts and notifying them of the violations on my consumer report, I have not received any response from them after over 30 days. Attached below are copies of all the letters sent.

The company in question has violated FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as such.

Additionally, there is a violation of 605 ( c ) as the reporting period has been exceeded. The date of last activity on this account is being reported inaccurately, failing to reflect the actual last date a payment was made.

Furthermore, there has been continuous failure to validate the collection account, constituting a violation of FDCPA 809b, as per the opinion of the FTC.
Product: Money transfer, virtual currency, or money service

Paypal charged me almost XXXX XXXX dollars in fraudulent charges between XX/XX/2022 and XX/XX/2022. Filed disputes against them all, called numerous times, talked to numerous people over the course of 5 days. All guaranteeing me this will be resolved and they have my back. Day 5 and I receive an email stating they denied my disputes because it's consistent with my history. It's not, I use PayPal for 2 bills under XXXX $ and the occasional purchase. Not XXXX $ in 18 separate transactions. They have done nothing to help me. I filed an appeal ( or, I was told they filed one, who knows ) but they won't let me close my PayPal account down or anything. They won't even cancel the PayPal card that's being used.
Product: Bank account or service

An unexpected charge hit my account on XXXX along with XXXX other expected transactions. I checked online before making the transaction and my available balance was enough to cover the XXXX transactions I put through. TCF then charged me XXXX overdraft fees over the XXXX transactions. Had the XXXX transaction not been applied to my account I would have had sufficient funds to cover the other XXXX transactions. I contacted customer service about this issue and they stated that there was nothing they could do. I told TCF bank I would be filing a complaint and they reversed XXXX of the overdraft fees. I have had problems with overdraft fees before ; on multiple occasions I have been told overdraft protection was turned off only to have a transaction slip through anyway. I have repeatedly asked to have overdraft protection removed from my account so this would stop happening but they keep re-enabling it without notifying me or getting my permission. The XXXX transaction should have been declined, instead TCF allowed it to post and then stacked overdraft fees on top of it.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting 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 and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX, XXXX. TransUnion, XXXX, XXXX has violated my consumer rights and violated federal law. This is my first attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX fraudulent accounts must be blocked or deleted. Thank you.
Product: Credit reporting or other personal consumer reports

Affirm reported my paid off loan to XXXX. My credit limit was increased and other loans were made and paid in full and on time. Because Affirm showed my first loan was paid and NO NEW loans were reported, my credit score was lowered instead of increased by the repayment of more loans.. This is damaging and has prevented my establishing new lines of credit due to a lower than actual score if all " Eligible '' loans were reported. 

In 2 years I had multiple loans and payments, all paid on time or early in full without a single late payment. 

They claim that not all loans are eligible for reporting and that is not in dispute. What is in dispute is that the loans not reported are identical contracts language wise as the previously reported loan, but were of different contractual amounts and term length which were 12 months instead of 6. 

The problem is the conflict of interest. With failure to report my perfect credit history with Affirm, it has severely limited my ability to seek other credit lines and reduced my ability to increase my credit score leaving me with only Affirm as as " XXXX XXXX XXXX '' Their policy in this matter is a racket to maintain a monopoly of sorts by preventing me from seeking other and better options. 

This has damaged me as the failure to report has lowered my score instead of increasing it. The ability to rent, purchase, or get credit without security deposit and extreme interest rates has been suppressed. 

Affirm actually offered and I accepted a credit card to be used at any location. But I have to " Prearrange '' the transaction and amount before purchase. I have been turned down for other lines of credit that I would have qualified for if my paid off and current loans had been properly reported.
Product: Credit reporting 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 XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX  XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX XXXX XXXX : Account 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: Debt collection

Checking my Experian credit report last week, I noticed that there was " key derogatory '' on the report. A collection agency, AFNI , Inc, filed a key derogatory report stating that I have an outstanding balance of {$1800.00} for a debt owed to XXXX XXXX. However, I have never had any type of service or business relationship with Dish network. I have disputed the report with all XXXX credit reporting agencies. I also called AFNI to try to clear this issue up. After spending all weekend and today ( Monday XXXX/XXXX/2015 ) filling out online forms and waiting on hold to speak to a representative with the various credit reporting agencies I am still being told by AFNI that I have to call Dish Network to " PROVE '' that this is not my debt. AFNI gave me the address of the residence where the service was installed and the birth date of the person that ordered the service. The address that they gave me and the birth date were not mine. Both of these pieces of information are on my credit report. So, AFNI should have known from the start that this was not my debt. 
So my complaint is this:1. AFNI should have known that this was not my debt and so I believe that they fraudulently reported this debt as mine when as I say I have never had Dish Network service. 
2. I should not have to file a dispute or contact XXXX XXXX because of obvious errors that AFNI made in reporting this debt as mine. 
3. XXXX XXXX should not be allow to sell their bad debt to AFNI or any collection agency if they have not verified the identity of their customers to a much greater degree than have in my case. I believe that this is also fraud on XXXX XXXX part and grossly irresponsible. Why is it my responsibility to clean up their mess ... because they did not do a good job of verifying their customer. 
I would like to file a complaint against both XXXX XXXX and AFNI.
Product: Student loan

On XX/XX/XXXX, I called my loan provider Navient ( customer support line ). I noticed that my monthly loan payment went up and I had some questions regarding that. Upon calling, the representative set me up for the " Consolidated Student Loan Forgiveness Program ''. She said that I would pay around {$96.00} for 3 years and around {$38.00} for 7 years. After 10 years of payments she said that my loans would be forgiven. I stayed on the phone with this lady for almost 2 hours going over documents to send to her. I do have the documents saved on my computer. She said she also needed pictures of the front/back of my debit card. At this time, these people have taken {$700.00} from me. I have called my bank and put a stop to them taking more payments out. 

I noticed I still had the same payment due from Navient, so I called them again today. They said they had no records of speaking with me on XX/XX/XXXX and no records that I had changed anything with my account. They said that the phone call on XX/XX/XXXX could some how have gotten intercepted and that I spoke with a party that was not Navient. I do not believe Navient is at fault. 

On XX/XX/XXXX, I received a call from my new " Account Manager ''. She left me a message and said her name was XXXX. The number she gave me to reach her is XXXX. I have not contacted this woman. 

I'm hoping you all can help so this does not happen to other innocent people!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is a scam. The irony of that can not be understated given the fact that this is a company that is supposed to protect your credit and protect you from ID theft - but they steal from YOU!

You automatically get signed up if you don't cancel after getting a free score. That's pretty standard, but then THEY DO NOT LET YOU CANCEL YOUR MEMBERSHIP. Unlike any other reputable company in the year 2018, you can not cancel online. They set it up so that you have to call them in order to cancel, and then when you do, you're put on hold for hours ( I was on hold for almost 2 hours before I wised up, hung up the phone, and called again but pressed pressed different numbers besides what leads you to " cancel my membership '' ) so that you can not cancel. It's impossible to cancel online ; I tried.

The other problem is that they take your credit card info to subscribe you without your consent if the first credit card is cancelled, or is expired, or whatever. The card that I had used initially expired and they automatically accessed my new card and started charging me. Oh, the irony - a company designed to protect you from being stolen from, and they steal from you.

I know many other people have had this problem. It needs to stop. They should not be able to get away with this.

After 3 hours, I was finally able to cancel my account. To be honest, I'm worried that it won't actually be cancelled.
Product: Credit reporting or other personal consumer reports

AFTER CAREFULLY REVIEWING MY CREDIT REPORT THERE WERE SEVERAL ACCOUNTS THAT I HAVE ZERO KNOWLEDGE OF NOR DID I GIVE THEM AUTHORIZATION OR A SIGNATURE. Here are the accounts : XXXX XXXX {$680.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2200.00} {$1000.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$4900.00} {$3700.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX {$700.00} {$330.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$5000.00} {$4600.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX {$2300.00} XX/XX/XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$970.00} XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX Equifax XXXX Equifax XXXX XXXX Equifax XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Equifax XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Miscellaneous Finance XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX To Whom It XXXX Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX XXXX XXXX, Apt XXXX, XXXX, Texas There should only be XXXX address in my report, which is : XXXX XXXX XXXX, Apt XXXX, XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only XXXX correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX The only job I need listed is : C.E.O of XXXX XXXX XXXX, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Debt collection

XXXX XXXX XXXX has been trying to collect a debt for over {$1400.00} for cell phone service that I am not responsible for. I have contacted them on many occasions to explain that this is a fraudulent account and have requested that it be cleared and removed from my credit report.I do not know the origin or the phone numbers associated with this account.I currently have an account with them that was opened AFTER this debt was incurred.They refuse to remove this debt as being my responsibility.
Product: Debt collection

The is a debt collector for XXXX XXXX XXXX, XXXX and is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is violating the Truth and Lending act and has not sufficiently established that it is the owner of the alleged debt The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached a letter to have this debt verified on my verification letter dated XX/XX/2020, again.
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 and number 1. XXXX XXXX Account # XXXX 2. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account # XXXX 3. XXXX XXXX Account # XXXX 4. XXXX XXXX Account # XXXX. 
5. XXXX Account # XXXX 6. XXXXXXXX XXXX XXXX Account # XXXX 7. XXXX XXXX Account # XXXX 8. XXXX Account # XXXX 9. XXXX Account # XXXX 10. XXXX Account # XXXX XXXX. XXXX Account # 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 an 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, 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: Checking or savings account

1. XX/XX/2020 Deposited {$250.00} check electronically to Capital One 360 savings account.

2. Early XX/XX/XXXXNoted that the check did not show up in the list of transactions, so attempted to re-deposit electronically and got the message that it had already been deposited.

3. Early XX/XX/XXXXCalled Capital One to describe the problem and they said they would research the problem and get back to me. 
4. About XX/XX/XXXX After not hearing back from Capital One for 2 weeks, called Capital One to describe the problem again and they said to send the check with the account number where it was to be deposited on the back. I did so immediately. 
5. XX/XX/XXXX Check was deposited at the Branch Office then the Branch Office made a Transaction Adjustment removing the deposit. 
6. XX/XX/XXXX Received a letter stating, We discovered your deposit to account ending in xxxx didnt match the amount listed on the original receipt. Youll see an adjustment of {$250.00} reflected in your account transaction history and on your statement. 
7. XX/XX/XXXX Called Capital One to describe the problem again and was told that they would look into it and get back to me. 
8. XX/XX/XXXX Called Capital One again to ask for a status update. After 25 minutes on the phone they said that they were still looking into it and would get back to me. 
9. XX/XX/XXXX Called Capital One again to ask for a status update. They said that the adjustment team wasnt working on the weekend and that I could call back during the week and the adjustment team could process. 
10. XX/XX/XXXX Called Capital One again and spoke with XXXX, but I had to leave the call due to another meeting. 
11. XX/XX/XXXX Called Capital One again and spoke with XXXX. She said perhaps we had deposited the check into another account and I should triple check with the primary account holder. I did so. He does not have any other account that he deposits checks into. 
12. XX/XX/XXXX Called Capital One again and spoke with XXXX. He said that he put in a request to the adjustments team to re-deposit the check to our account and it may take up to 3 business days to show up on his account. Well, it never did. 
13. XX/XX/XXXX Called and spoke with XXXX. I said this was the last time I was calling on this issue. He again asked if the primary account holder had deposited the check to a different account. I said no. He said that he was escalating it to a higher level and someone would be calling me back. Really? Nobody has EVER called me back.