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

On or about XX/XX/XXXX, I discovered that Experian incorrectly reported two hard inquiries back to back one from XX/XX/XXXX and another XX/XX/XXXX from the same company. On XX/XX/XXXX, I had previously contacted the issuer XXXX XXXX XXXX who had agreed that one of the two inquires was a soft inquiry rather than a hard one. I reported the issue by mail to Experian and included the correspondence from XXXX to my dispute. On XX/XX/XXXX, Experian claims an investigation was made, the result was no resolution. My current report regarding the inquiry from XX/XX/XXXX does not show contact information of the requester, but still appears as a hard inquiry. 

The credit issuer and I agree that the inquiry should be a soft inquiry and not appear on the report. Experian continues to report incorrect information despite no information to justify publishing the false entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting Act XXXX account # XXXX has violated my rights.

- 15 U.S.C 1681 section 602 A states I have right to privacy.

- 15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions.

-15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I purchased an item on XXXX. Sent the payment via CashApp. Coming to find out, it was a scam. Called my bank, and they said because the App is a third party app, that there is nothing they could do. 

Requested a refund, only for the refund to be declined.
Product: Prepaid card

I have file a complaint with XXXX due to them not providing service to me. I filed 2 disputes with Cashapp about this. Cashapp keep telling me that the service was giving to me after I have uploaded documents showing them over and over again that I never got service from them. I made to purchase on XX/XX/year> both for XXXX each. I have even filed a complaint with you all about this. But it makes no sense that my card company doesnt even look at the documents I sent. I file a dispute and the next day its denied. This same company keeps trying to charge my card till this day after I have told them to cancel my account. Their other other people that has had the same problem with this same company.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, North Carolina Laws Dear CB/NY & CO , I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specific to Hope Mills, North Carolina XXXX 

It has unequivocally come to my attention that CB/NY & CO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). In addition to federal law, North Carolina state law, specifically N.C.G.S. 75-61 and
75-62, emphasizes the necessity of consumer consent for credit reporting. Furthermore, North Carolina Identity Theft Protection Act establishes clear guidelines for the fair reporting and protection of consumer credit information. Identity fraud laws in North Carolina underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CB/NY & CO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CB/NY & CO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable North Carolina statutes . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX I was charged {$200.00} from my credit card through an airline that was supposed to be an authorization since we had a membership bundle that included a free bag that we could claim for our flight. Come to learn the clerk accidentally charged me this amount. 

After contacting the airline two weeks later, we were told that we were indeed not supposed to be charged. However, they told us we could not refund us since the payment was made overseas and the best option we had was to contact our bank and get a refund. 

After an extensive back and forth and documents being sent from our end and an audio transcript of my call with the agent, Barclays Bank took about XXXX weeks for our case. At the end, they did not give us any reasoning into why my dispute was unresolved against my favor. We had a screenshot from the airlines support agent, and we sent Barclays an audio transcript of our conversation with an agent. However, they still did not give me any concrete reason or proof as to why they did not find me eligible for my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


US BKPT CT XXXX  XXXX Bankruptcy XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX  XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : XX/XX/2018
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Complaint XXXX XXXX : Complaint against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, 1. Bank issued me a XXXX XXXX XXXX XXXX upon which I obtained loan in the amount of about {$15000.00}. The balance as of XXXX XXXX, XXXX was {$16000.00}. 

2. Chase Manhattan Bank assigned the debts to an XXXX XXXX XXXX XXXX without any intimation to me. 

3. On XXXX XXXX, XXXX, Assignee instituted action by their Attorneys claiming {$33000.00} without stating as how they arrived at {$33000.00}. The summons was served upon a non-existing " Fictitious person ''. A default Judgment was passed behind my back on XXXX XXXX, XXXX for {$35000.00} and interest. 

4. The affidavit of merit does not contain any evidence of proof of claim. Neither Defendant 's account nor copy of the Assignment is annexed. 

5. On XXXX XXXX, XXXX XXXX income execution was levied for {$38000.00} which included interest of {$500.00} and compound interest which was illegal. 

6. On XXXX XXXX, XXXX I made an Application XXXX to the Court to vacate the judgment, to stop garnishing wages on the ground of non-service of Summons or any document in this action. The Response does not deny non-service of summons. On XXXX XXXX, XXXX the XXXX was granted only to the extent that the income execution was stayed from the date of the Order. 

7. On XXXX XXXX, XXXX, I filed XXXX subsequent XXXX 's to vacate the judgment and income execution on the ground of non-service of Summons or any document in this action which met with the same fate. This time the claim had increased to {$45000.00} and was denied. 

8. Appeals to the XXXX Court were also denied because they were not perfected as I filed XXXX as I was financially crippled and a Motion to reargue was also denied 9. The payments made by me were illegally appropriated towards interest whereas principal amount went on sky rocketing. Interest@30.5 % compounded continues to be charged even after judgment although the judgment provides for 9 % as a result I will be paying the amount of {$600.00} per month throughout my life as if I am a bonded labor, working for free of charge for Assignee. I have paid more than {$50000.00} but the amount continues to increase. No satisfaction of the Judgment is recorded for the payments obtained from me after the judgment. 

10. I Appeal to you to hold an enquiry against all the parties, take appropriate action, cancel their licenses after hearing and discharge the claim against me as fully satisfied. I am prepared to place these facts by affidavit and also testify to the facts mentioned above and produce all documents in original. I can send you my Complaint in detail by mail because my electronic complaint is restricted to XXXX spaces.
Product: Student loan

My school misconduct application was approved to be giving to me, reviewed and approved by Navient for my remaining private loan debt to be waived. Much of which is made up of compound interest based on arbitrary rates set by Navient. 

I was not refunded for all payments made between XX/XX/XXXX & XX/XX/XXXX. Navient refunded one payment, my XX/XX/XXXX payment. 

I have paid {$140000.00} on theses predatory loans over the last 15 years. Navient gave me a refund check of {$750.00}, that is no acceptable. Minus the first check refunded, Im entitled to the remaining balance, ( {$140000.00} ), that I have already paid on these fraudulent loans, perpetrated by the exact reason I was giving the application in the first place : School misconduct and predatory student loan fraud. 

Navient owes all of my payments made on these fraudulent loans. It is not my responsibility to pay for the fraud committed by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Navients losses on my loans are minimal comparatively to the year over year revenue Navient gains on student loans. The culprits responsible for the predatory loans is XXXX, XXXX and NavientNot me! The fraud committed isnt the borrowers fault. It is XXXX and XXXX who are responsible for the money loaned, not the borrower whose case represent the school misconduct application that was approved. 

The corporations are at fault for the fraud committed. They can sue each other for losses. Secondarily, without proper refund for the losses us borrowers went through due to corporate fraud ; individual and class action lawsuits are coming.
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 15 U.S.C 1681 Section A. States I have the right to privacy. 

XXXX XXXX XXXX Section A Section XXXX : it also states, a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no, consumer reporting agency XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is inaccurate.
Product: Debt collection

My husband and I are working with a Credit Agency to help us get our debt paid. However Global Trust Management is constantly calling me at work after I have asked them not to. They are also using work to reach me at work pretending to be a customer. I have been told to shut up, they will go after my family, start calling everyone I know. I have told the a number of times not to call me at work or on my cell phone, that we are working with XXXX XXXX to get our debt worked out and paid that they need to contact them, however they are still calling harassing me at work. The number they call from is XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act as it requires timely access to funds. I received an email regarding this issue on thursday night, even though they already knew about this issue the day before. The email states the issue would be resolved by friday morning but I still have not received my direct deposit. This situation raises concerns about customer protection laws, and I and requesting you assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX  Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I have been out of school since XX/XX/XXXX and have made every attempt to pay back my outrageous student loans/interest. In order to help in my efforts, I enrolled in an income driven repayment program. Since I have made enough payments to be forgiven my loan debt I applied for forgiveness. I received a letter stating that though I made over 120 payments as required and work at the approved employment sites only TWO of my payments would count towards loan forgiveness because instead of paying {$55.00} ( for an example ) I'd pay $ XXXX because I rounded up. When I called to complain they reviewed it and sent another letter in XX/XX/XXXX stating my payments that were approved went from TWO to SIXTY because they only manually go over your application, versus the initial electronic review, once calling and filing a complaint. When I called to ask why only sixty payments were approved I was told it was because other of my payments made were only for the amounts I was billed, which means, for example, when I paid {$56.00} instead of {$55.00} for the month of XXXX and now my XXXX bill reflects a minimum payment amount of {$55.00} ( because of the excess change from the previous month ) instead of {$55.00} and I paid what I was billed, that payment is ineligible. Absolutely absurd and ill-informed about any rules or regulations. Nothing is on the site to indicate such and it is not common knowledge!
Product: Checking or savings account

On XX/XX/XXXX, I received emails from Wells Fargo reporting changes to my phone number and email address. changes that were not requested by me. I am currently abroad, and I contacted the fraud service numbers. The person who attended me took my complaint and told me that he would block the management of the account via the internet and that I could continue using my debit card. For my claim they created an attention number. Then on XX/XX/XXXX I tried to use my debit card and it tells me that I do not have enough funds. Since then I have tried through the customer service numbers to give me information about the funds in my account and in XXXX  times that I have called the answer has always been the same ( you have to go to a wells fargo agency and personally request the information ). I am a non-resident and I am waiting for a tourist visa which may take until XX/XX/2022. I feel totally unassisted by the bank with that answer and I want to know if I can get an answer through you
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted each company individually and was told to contact the credit reporting companies directly.After my dispute I received mail indicating the inquiries where verified, they provided no explanation of verification/investigation process, no evidence of any signed documents or authorization form me approving these inquiries and provided no open accounts to the reference for any of the inquiries. 

XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX other than personal Inquiry date : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've mailed in my dispute months ago and finally got a response from the bureaus saying they can't process my dispute because they don't believe its me. ITS ME. I AM THE ONE DISPUTING AND DESERVE A FAIR INVESTIGATION. The bureaus need to submit all of my disputes ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is with Wakefield and Associates. I have contacted this company numerous times to get a duplicate medical debt removed from my credit report. The debt is from XXXX/XXXX XXXX XXXX  XXXX XXXX with a balance of {$650.00} from 2012 that shows up on my XXXX and XXXX reports. When I called Wakefield and Associates, I was told they no longer had the debt and that it was sent off to their legal department. They gave me like 10 different telephone numbers and each person that I called did not actively have the debt in their office. One guy even got extremly nasty and rude with me for trying to find out. So, I called Wakefield back, since it shows on my credit report that they are the ones who reported it, but they said that they could not remove the debt because they no longer had. They have yet to tell me correctly who has the debt and I feel that since they put it on my Credit report that they should be able to remove it. I have been reaching out with them refuses to remove the inaccurate information because they no longer actively have the account. If they no longer have it, how can they keep the charges on my credit report.