23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I deposited a personal check on XX/XX/23 via my cell phone and online banking app for XXXX dollars ; the money was then removed from the XXXX account and placed in savings at my bank. My bank put a fraud alert on it. I supplied all the documentation they required and they still will not lift the fraud hold so I have no access to my money.
Product: Debt collection

I was checking my credit report and I found some information which is inaccurate. I don't recognize some accounts that are in my credit report, I was victim of Identity Theft. That's the reason why I want to remove it immediately from my credit report because is affecting my score in a negative way.
Product: Credit reporting or other personal consumer reports

AFFIRM Inc. is furnishing account and transactional information to XXXX XXXX, XXXX, and XXXX without any written consent from me. Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. AFFIRM failed to provide me with disclosures to opt out before disclosing any of my personal financial information to the credit reporting agencies. 

The information that is being furnished is damaging my credit rating and hindering me from obtaining credit for personal, family, and household purposes. As a result my rights granted to me under the FCRA, FDCPA, and Gramm Leach Bliley Act are being violated and redress is being requested.
Product: Credit reporting or other personal consumer reports

All of the accounts listed on my credit report were bought from original debter. Also they increased from what was the original amount owed, and some have exceeded the time to be listed on report. All three bureaus have not change/updated my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Student loan

XXXX originated as the third party on this account and continuously put us in payment plan that had no end in sight. We continued to struggle make payments for the past 15 years, but made all our payments except only had to take a forbearance once due to a job loss. We struggled without savings and without retirement knowing we were getting close to the 20 year forbearance. Now our loans are with Navient and things are not any better. When we called recently to find out exactly how many more years we had to pay until our loans were forgiven, they said " oh you are not eligible for forgiveness because you are not enrolled in that program. We can enroll you in that program now if you like, and in 20 years you will have forgiveness as long as you are in good standing. '' Not only do we face 20 more years of payments, and no more savings, or retirement, but our kids are now faced with taking loans for school and more. The cycle never ends with the deceptive practices. Never once did we assume our loans would not be forgiven after 20 years of payments, and especially since the principal amount of the loans has been paid, but due to the way the system works the wording and the structure of their repayment assistance you never payoff your loans and you keep paying more and more interest. We are now faced with our payments going from {$650.00} to over {$900.00} for the next 20 years, even though we have paid over {$110000.00} to date, which was the amount of our original loans. According to Navient we will now pay the same amount in interest as we had in original loans, and we will have done so over 40 years. This practice is unfair for those who have made payments for decades and continue to do so, only to find out that our remaining loans would not be forgiven after 20 years. Never were we advised about having to be in a special program for forgiveness after 20 years, actually the only willingness the groups are readily able to do is lower your payment, but never telling you the long term ramifications. This is worse than the housing market scams, I am not looking for any special penalties or refunds, or monetary damage. At this point I would like to just have my the remainder of my loans forgiven. That is only fair. I have paid over the original loan amount since I started paying, but apparently that only goes to interest. Doing simple math even though we paid more that this, we owed {$110000.00} originally, and we paid about {$600.00} per month for 15-17 years at least. This means we have paid around {$120000.00} to these companies. Somehow the principal has never gone down ... it actually went up ... and we wo n't be forgiven once we even reach 20 years. I have paid and been responsible for paying back the monies, and only to find out I have been stabbed in the back. Once again I do not seek damages, but just forgiveness for the remainder of my loans as I assumed would happen at the 20 year mark anyways. I ask for forgiveness now please, before I am forced to make even more Ludacris $ 900+ monthly payments.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I received a late payment notification on my credit score and that it went down 30 points for a late payment on my Target credit card. My account was already set up for automatic payment and is not late. The notice was sent on the same day as my account statement of XX/XX/year> in the amount of {$140.00}. {$140.00} is my account balance due on XX/XX/year>. I'm attaching my most recent statement to confirm my statements above.
Product: Credit card

I want the fraud disputes I opened to be reopened as I have direct evidence from law enforcement that proves the transactions were fraudulent and their repeated decisions to close the disputes are incorrect. The amounts in question were XXXX, XXXX and XXXX. I want them to review the XXXX findings and refund the fraudulent charges in accordance with their own policies.
Product: Debt collection

XXXX XXXX XXXX XXXX turned my medical debt over to Credit Collections Bureau, XXXX XXXX, South Dakota. I went to court and have since satisfied a judgement. The Agency has now added additional debt for which they say is owed. Ive requested this agency provide me with a detailed itemized record with charges, Insurance payments applied, and payments I have made. 
I contacted XXXX and was told once the debt is turned over to collectors they no longer have records.. XXXX outsourced billing and collections to Credit Collections Bureau. Billing was rarely sent. I dont believe the charges are correct.
Product: Credit card or prepaid card

I applied for a Paypal Prepay Debit card because I felt the need to used it at the time, when I could not have been qualified to own a credit card. I got the card. 

After awhile I realized that Paypal ran a hard inquiry on my credit as though I applied for a credit card from the XXXX XXXX. I have tried called XXXX XXXX  and Paypal Customer Service Reps Several time to formally complain against the injustice they are doing to me. XXXX XXXX Reps Have promised to fix it but nothing as being done. I have repeatedly tried to call them so that they can fix the issue and remove the HARD IINQUIRY from the XXXX  credit profile. But nothing has being done. Each I call no one seems to remember anything ... Almost two months ago but nothing has being done! I have since being giving a run around, whenever I call Paypal the transfer me to XXXX XXXX  and they pretend as though they have never being approached on the Issue. I did not applied for a XXXX XXXX/Paypal issued Credit card. The Run around and pretends are hurting my credit, thus making life hard for me. 
I am formally asking CFPB to get involve. I want that Hard inquiry removed and that they incidence never repeated. 

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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1500.00} ; ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; DP OF EDUC XXXX Balance : {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong balance reported on my XXXX and experian credit reports negatively impacted my credit scores and ability to get a better interest rate on new credit. Statement attached
Product: Debt collection

Your company is reporting the below referenced account on my credit report as a collection account. 

XXXX. XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA XXXX XXXX Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score is frozen and lowered to a misrepresented score that doesnt match history. No inquiries or no new credit accounts. All payment history represents stellar payment history for over 15 years and 1 open account with a payment history reflecting stellar for 4 years never delinquent. The two credit bureaus owned by transunion Llc are TrasUnion and XXXX these are the only 2 reflecting negative scoring. These scores were altered and its history by transunion to reflect negative scores.While they both have different scoring models somehow they show the exact same score of XXXX. The score of XXXX does NOT reflect 15 years of stellar payment history nor is it a reflection of the current account of 4 years stellar payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has viladate my rights and HIPPA law. Also has not validated my account after I send certified mail.
Product: Debt collection

Someone purchased lights in my name without my permission. I reported it to the company and requested that they remove the items from all XXXX credit bureaus. The company failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint 44 days ago which is over the 30 day investigation response period. Im demanding that the account mentioned in the original complain is removed from all 3 credit bureau reports immediately due to company violating consumer federally protected rights.

15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 :
Product: Credit card

I used my CapitalOne Visa credit card in XXXX to contribute to an " XXXX '' campaign in exchange for a " perk ''. The perk was a drone that arrived in XXXX. Unfortunately, the drone did n't work, it was dead on arrival. I tried to work with the drone manufacturer, XXXX, via phone and email. XXXX agreed that the product was dead on arrival, but XXXX refused to provide any repair, exchange, or refund. 

I asked Visa to dispute the transaction and Visa provided a tentative refund on XXXX XXXX. Visa reversed the refund on XXXX XXXX and asked for additional documentation to support my claim. Visa received XXXX pages of emails and testimonials from me on XXXX XXXX. Visa sent the following letter to me on XXXX XXXX XXXX : " Hello XXXX XXXX XXXX We have received your documentation and will continue your transaction dispute investigation. We may contact you with follow-up questions, but until then, no additional information is needed. '' I called Visa on XXXX XXXX to check the status of my claim. I spoke with XXXX XXXX XXXX XXXX XXXX and he assured me that the documentation was in order, that I needed to allow at least 10 business days, and he added a note to my case stating that I was available by phone and email in case anyone had any questions or needed any additional information. 

I called Visa on XXXX XXXX to check status and was told that my claim was denied. I was transferred countless times ( agents XXXX, XXXX, XXXX, etc, etc, etc ) and put on hold for hours as I tried to learn what had gone wrong. Every agent I spoke with agreed that XXXX admitted in writing that the drone was dead on arrival, but that is not sufficient proof that there is a problem with the " perk ''. 

Visa did n't follow their own procedures and Visa denies they sent me the above letter ( it 's on CapitalOne letterhead, copy available upon request ). XXXX agent actually told me that there 's no place for common sense in this process. 

Visa makes it easy for bad merchants to take advantage of well intentioned consumers. Visa creates a moral hazard for all of us when they intentionally delay, and ultimately deny, refunds for defective merchandise.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : Not specified. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is not reported and on Transunion it's XX/XX/year>. On experian it is not reported. If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Data Reporter Name : XXXXXXXX XXXX XXXX  Account Name Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This company Pentagon Federal credit union is basically behaving on ethical. 

They he failed at every attempt to provide Proof that this fraudulently alleged account belongs or have any Bering related to me. There is no one to talk to him when you call in besides customer service periods you are constantly being transferred to the apartment where you can only leave a voice mail and your phone calls are never returned and I can no longer go on like this my credit is shot my credit was ruined this has to come to an end.

I don't know how to go further but I will have to take legal action to the fullest extent of the law and I will keep from now on a very clear record of all my communications showed I need to file another claim.

Nevertheless, experience has not uphold its lore by providing me within 30 days Proof which is they received from the alleged fraudulent account in this case pens fed that there is any accuracy related to me buy more this must be removed not only because it fails every component of the federal Credit reporting act but it's sales the fact that this is my accountant this is not my account I am reiterating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, DEBT REC SOL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX FLORIDA ). 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, XXXX, XXXX XXXX, DEBT REC SOL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX FLORIDA ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax have been continuously reporting inaccurate information on my credit report, even after previous disputes. I have attached a letter that provides proof of the inaccuracies and discrepancies in the reported information. Despite multiple attempts to have this resolved, the errors have not been corrected, and no valid documentation has been provided to support the continued reporting. I request that this matter be fully investigated and that the inaccurate information be removed from my credit report based on the evidence provided.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : National Credit System , Inc Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Dear National Credit System , Inc. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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