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

The account is accurate, without providing any evidence of a thorough investigation this practice violates the fair credit report act ( FCRA ), 15 U.S.C 1681i which mandate a reasonable investigation of disputes I request that CFPB take action to ensure that equifax, XXXX, and experience complies with the federal law and provide consumers with the necessary proof of investigation
Product: Payday loan, title loan, or personal loan

On XX/XX/22 I contacted Westlake Financial, LLC & spoke to XXXX informing the company of their violation against Pennsylvanias Usury law. I was told that there was no such department that would handle my complaint in regards to my illegally charged high interest rate of 20.90 % on my auto loan of {$17000.00}. According to the consumer law the maximum interest rate is only 6 % in PA where I purchased the car and where I reside. I want the company to pay me the charges of 3 times the amount charged 3x ( {$17000.00} ) whilst voiding the contract and removing their secured interest interest in my vehicle due to their predatory lending practices. Under consumer law I have rights to remedy. I am exercising my rights to the fullest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian received fraudulent information from XXXX XXXX ( company ) via XXXX XXXX XXXX XXXX ( debt collection ) in XX/XX/2018 for money I never owed.

I filed an online dispute with Experian and the agency chose to ignore my dispute, not investigate my dispute and keep the fraudulent collections account on my credit bureau report.
Product: Credit reporting or other personal consumer reports

RE : Formal Demand to Remove Inaccurate XXXX XXXX Account from Credit Report To Whom It May Concern, This letter serves as my third and final demand that you immediately remove the inaccurate XXXX XXXX account information from my credit report. I have previously notified you of the inaccuracies, yet no corrective action has been taken. This ongoing violation of federal law demonstrates negligence and disregard for your legal responsibilities. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are legally obligated to ensure that all information you report is accurate, complete, and verifiable. Specifically : 1 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in the information they report. 
2 15 U.S.C. 1681i ( a ) ( 1 ) : Upon notice of a dispute, you are required to conduct a prompt and thorough reinvestigation to verify or remove the contested information.

3 15 U.S.C. 1681n : Noncompliance with the FCRA subjects you to civil liability, including actual damages, statutory damages of {$1000.00} per violation, punitive damages, and attorney fees. 
In addition to your violations of the FCRA, multiple court rulings have affirmed the illegality of reporting inaccurate or unverified XXXX XXXX  accounts to credit bureaus : XXXX XXXXXXXX XXXX United States ( XXXX ) : The court ruled that the federal government wrongfully reported XXXX XXXX arrears to credit bureaus and ordered the records expunged. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) : The court found that the XXXX XXXX agency violated the paying parents due process rights by reporting arrears without proper notice. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) : The court reversed a decision to report XXXX XXXX  arrears due to a lack of evidence and improper procedures. 

I have solid evidence that the XXXX XXXX  account information you are reporting is false and was provided without proper verification or notice. I have never provided my consent for this account to be reported, which is an additional violation of my rights. 

As a result of your continued failure to comply with federal law, I have suffered significant harm, including financial damages and emotional distress. Therefore, I am demanding : 1 Immediate removal of the inaccurate XXXX XXXX account from my credit report. 
2 Payment of {$1000.00} in statutory damages per bureau for failing to comply with the FCRA, payable to me at the address listed above. 

If you fail to comply with this demand, I will have no choice but to initiate litigation against all three credit bureaus for willful violations of the FCRA and associated damages. In court, I will seek the maximum allowable damages, including statutory damages, punitive damages, and attorney fees. 

This is your final notice. I strongly urge you to take this matter seriously and fulfill your legal obligations. Contact me via email only. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contact via email only XXXX All rights reserved
Product: Student loan

I called the Department of Education - Federal Student Aid to verify in writing in a letter that my loans have been forgiven via PSLF. They said they could not provide me with that information until the system automatically generates a letter which can take as fast or as long as it wants. In the meantime, XXXX is asking me to make {$920.00} a month payments until the Federal Student Aid can send a proper letter stating my forgiveness so XXXX can discharge my loans or they will mark my account as delinquent on XX/XX/2024. I pleaded with Federal Student Aid to do so, they refused saying I simply have to wait until a letter is sent to me. Until then there is nothing else they can do. I even connected the call with XXXX XXXX and Federal Student Aid to verbally verify, that wasnt enough. I do not have that monthly fee especially for a loan that is forgiven. Then Federal Student Aid said I need to download my signed PSLF application and upload it again onto www.studentaid.gov, their website blocked me from downloading my own application when I logged into my account. Federal Student Aid claimed it was because of my browser then my XXXX and that I would have to redo my PSLF application all over again to start the forgiveness process when my account already says congratulations your loan has been forgiven ( please see attachment ). I ended the call frustrated and still needing help to resolve this.
Product: Credit reporting or other personal consumer reports

I reached out to the said company via phone call and explained to them that I had not seeked to obtain any credit from them
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute and keep getting denied all these accounts are not mine there fraud all the inquired are not mine
Product: Credit reporting or other personal consumer reports

My XXXX XXXX 's account is showing XXXX late payments in XXXX and XX/XX/year>. I am a veteran with a service related XXXX  injury. I meet other XXXX veterans online and travel to their location to provide emotional support. During the periods when the late payments were reported, I was in an area affected by severe weather and or a natural disaster. This caused glitches in the app which resulted in the app showing that the payment was successfully submitted. I am asking for XXXX XXXX XXXX XXXX XXXX a good will rehabilitation of the late payments in light of the circumstances. I believe natural disasters are are framework for this kind of credit history remedy.
Product: Mortgage

This is an update of XXXX, previously filed. The Citizen 's Bank does service this loan, they have the name wrong, XXXX XXXX is the Mortgagee, not XXXX, they do take payments at the XXXX XXXX, Va. address and their corporate address is XXXX, R.I.

They continue to send incorrect information regarding insurance payouts from escrow that never took place. They are now asking for a " shortage '' payment which is incorrect. 
I am attaching my latest letter to them, please reopen the complaint or forward it to other banking compliance regulators.
Product: Money transfer, virtual currency, or money service

Hi! I submitted a separate complaint recently about XXXX XXXX that has been resolved if you wanted to see more context but the major issue was with Venmo. In short, on Thursday XX/XX/XXXX I received a " spam bomb '' to my inbox and in there was a notice my primary email address on Venmo was changed. In addition the listed cell phone number was changed. I suspected easily preventable fraud was incoming so contacted Venmo, as well as XXXX XXXX whom my Venmo is linked to, asking to stop any future transactions on or related to Venmo. In addition I had Venmo freeze my account and was hoping to get my log in information reverted back to my actual email address and phone number. Venmo itself wasn't taking phone calls given COVID so an email was sent and responded to by them, freezing my account and I thought I was double covered. 

On Tuesday XX/XX/XXXX, after the stop orders and freezing of accounts should have been in effect, I wake up and find two unauthorized transactions have been sent from Venmo to my XXXX XXXX account, totaling ~ {$3000.00} and Venmo had drained my XXXX XXXX checking account to the point there was an overdraft and assorted fee. These occurred late on XX/XX/XXXX? I message Venmo back to inform them of this and to shut down my account as to this date they have still been unable to revert the associated frauded phone number on the account back to my actual phone number. In addition, Venmo denied both disputes within minutes of opening the case on each, ~a week after this preventable fraud, though I got the money back from XXXX XXXX so was not harmed by this. Payment IDS were ID # XXXX and ID # XXXX. 

Venmo has now refused to shut down my account unless I provide them with even more information such as a picture of me with an ID and I don't trust them with more information than they have so my Venmo account is still open. In addition, I can't even reset the password as I need to verify a change with the phone # associated with the account which is now a fraud phone number I don't have access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 an account without my written instructions.
Product: Checking or savings account

VyStar Credit Union embarked on a mobile banking upgrade XXXX  XX/XX/XXXX with a stated outage of XX/XX/XXXX - XX/XX/XXXX. They have been unable to bring their systems back online in any meaningful or useful manner in the two weeks since. 

In an online post on XXXX on XX/XX/XXXX, they stated they were " re-opening '' online banking via web browser only and no app for the stated near-term. What they have provided is an electronic " queue line '' in which you may be XXXX plus in " line '' and will wait for upward to an hours to gain access to sign on screen. In many attempts you will either not be able to log in, log in and only see balances and no transactions or simply have your connection reset to have to attempt the process again. 

There stance is to use ATMs, their XXXX cal center or go to a brick and mortar branch. I have found two ATMs in my area down when attempting that route, thus causing me to travel several extra miles to look at balances. Call queue times are extraordinarily long as are lines at branches. All of these solutions have financial impact as to the use of fuel and current gas prices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I took out a student loan that I would regret more than not finishing school bc companies like EXPERIAN report FALSE, TWISTED, INCORRECT, AND OLD INFORMATION & ( unlike XXXX  and XXXX  ) REFUSE to take it down and THEY'RE XXXX ME OFF bc I have uploaded UNDENIABLE evidence contradicting thier statements & they still won't take it down. PLEASE, have them show you documentation of my account going into COLLECTION in XXXX of XXXX. XXXX and XXXX dont show anything like that bc they're not delusional XXXX who report false and outdated information about thier customers. I WILL NEVER STOP UNTIL SOMEBODY LISTENS TO ME. NONE OF THIER XXXX MATCHES WITH OTHER THE OTHER BUREAUS BC ITS WRONG!! EXPERIAN IS THE MOST CROOKED BUREAU EVER WITH THIER DATA BREACHES EXPOSING MY SENSITIVE INFORMATION AND THEN HAVE THE NERVE TO TREAT ME LIKE IM LYING WHEN I CONTINUOUSLY PROVE IM NOT. IM NOT IN COLLECTIONS!! THE ACCOUNT IS CLOSED!!! ITS 7 YEARS OLD!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report XX/XX/XXXX and found that someone obtained credit in my name XX/XX/XXXX and applied for numerous amounts of credit so I contacted Equifax and XXXX XXXX and XXXX about several incorrect addresses and unauthorized inquires on my credit report. The last letter sent was XX/XX/XXXX. I want the unauthorized inquires deleted and fraudulent addresses deleted.
Product: Credit reporting or other personal consumer reports

Hard inquiries on my credit report for XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under 15 USC privacy act remove inquires immediately did not give permission for these companies to run my credit. I had called Experian to help but it wasnt helpful the guy on the other line offered me a protection plan XXXX XXXXXXXX XXXX XXXX XXXX for my credit wasnt helpful to help remove inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file. I have been violated under multiple incidents by these consumer reporting agencies and will be seeking litigation if problem are not rectified immediately. The following rights of mine I believe have been violated and are causing punitive damages to my life as the consumer of the united states. ( Offenses number 1 ) 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave XXXX, Equifax, or XXXX ( WRITTEN PERMISSION ) to have this information pertaining to my consumer transactions. Because I never gave this permission I believe this offense also falls under 18 usc 1028 aggravated identity theft ( A ) ( 1 ) ( offense number 2 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, ( possesses, or uses, without lawful authority ), a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( Offense number 3 ) 15 usc 1681 ( Exclusions ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit " alleged '' " inquiries " are a private matter and if they are or were factual they are not supposed to be on my consumer file and report. ( offense number 4 ) 15 usc 1692g I also believe is a section regarding validation of debts. Numorius accounts have be disputed and have come back as validated when I ( THE ORIGINAL CREDITOR ) haven't received any type of notice within five days to verify or validate these " alleged debts '' ( I DO NOT VALIDATE NOR VERIFY ANY DEBTS ON MY CONSUMER FILE ). Furthermore under 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt. Now im not making threats but under 15 us code 1679g ( civil liablity ) Any person who fails to comply with any provision of this subchapter with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : actual damages, punitive damages and class action.

LAstly under 15 usc 6802Obligations with respect to disclosures of personal information I have the legal right to tell you what is considered private to me and what I demand be removed from my file for the sack of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX/XXXX XXXX {$280.00} XXXX   XXXX {$370.00} XXXX/XXXX XXXX {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am not sure what debt is from. I called company listed on credit report that state they did not report.
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 XXXX XXXX XXXX. PORTFOLIO XXXX XXXX, XXXX XXXX XXXX, PORTFOLIO XXXX XXXX, XXXX XXXX XXXX, XXXX U.S.C XXXX section XXXX A. States that I have the right to privacy XXXX XXXX XXXX Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) section 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 crime which antedates the report by more than 7 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 cause to believe that the information is inaccurate
Product: Prepaid card

In the midst of the pandemic my benefits Were Somehow given to another and despite constant communication efforts on my part with the Bank of America XXXX I receive no justice no traction and no benefit from filing multiple complaints regarding the theft of XXXX in benefit money that never ended up in my bank account but rather someone else 's. At the end of the day no investigation and no issue of benefits back to me within the required amount of time set forth under federal law most notably the electronic funds transfer act and the XXXX  days to issue the credit or a reasonable written explanation of why it has not issued such credit. We understand the burden of Bank of America and what it is gone through with the pandemic unemployment insurance nevertheless it's fiduciary responsibility is held above all others when responsible for those who are XXXX  and unemployed and those folks should be treated no different than those who are not. The original dispute filed aprox case # filed with Bank of America prepaid card division was XXXX XXXXXXXX filed more than a XXXX XXXX XXXX  ago.
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please verify the documents? There are inaccuracies in the listed accounts, including incorrect amounts and dates.
Product: Credit card

Hello, I filed a dispute with my Synchrony Card ( ending in XXXX ) in XXXX of XXXX for a charge on XX/XX/XXXX to XXXX XXXX XXXX XXXX NY in the amount of {$2000.00}. REF # XXXX. 

I uploaded evidence that XXXX with XXXX XXXX canceled my service two days before my reservation. I have written evidence that XXXX stated he would give me a full refund on XX/XX/XXXX. I have uploaded this evidence. 

I received a letter from Synchrony Bank on XX/XX/XXXX that a credit will Not be issued at this time.The letter states that they have received no proof that a credit is due. I did upload proof that the company canceled my service and a credit is definitely due. 

I have included the written communication from XXXX with XXXX XXXX when he states he will give me a Full Refund but he never did that. XXXX XXXX is committing theft and fraud They have blocked me from all communication. 

Synchrony Bank is supposed to protect their customers against fraud such as this. 

Thank you,