23daVinci/CFPB_Complaints huggingface dataset:
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 Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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: Money transfer, virtual currency, or money service

There are two transactions of {$7500.00} and {$7400.00} paid via ACH from my Chase bank account to XXXX XXXX XXXX on XX/XX/22 for XXXX XXXX XXXX pesos XXXX gold coins. And they were never delivered. I have all the tracking history, and even the seller knows they were never delivered but refusing to give my refund so I have contacted Chase bank to either dispute or return my money but they did not resolve the issue.
Product: Credit reporting or other personal consumer reports

Transunion is Reporting a Hard inquiry from XXXX XXXX that I did not authorize. Please delete this immediately.
Product: Prepaid card

I lost my card and requested a new card but I kept using the money in the account to buy things and pay bills until I received new card. 
I get the card and try to activate it and it's telling me that I violated some rules and I'm not able to withdraw my money I can only spend on line and I can still send and receive I just can't withdraw any of my money
Product: Checking or savings account

I've been down on my luck for about a month dealing with sofi they are still currently holding my funds the disputes was closed and I still have no access to my funds I did nothing wrong but report fraud activity on my account when my card was stolen now they have restricted my account and won't allow me to access my funds im thinking about taking legal action
Product: Student loan

Sent a letter to MOHELA stating that my loans should be in forbearance until XXXX as they all should be under the XXXX loan, but never received anything back and they are still charging interest.
Product: Credit reporting or other personal consumer reports

UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -SECOND NOTICE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX is in XXXX of multiple laws set forth by Congress in regards to the following account XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX is willfully reporting chraged off debt on my consumer report when in reality it is considered income by the IRS Topic 431. This reporting in nature is INACCURATE. These accounts are considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of these accounts inaccurate!. Your inaccurate reporting has caused me severe damages in the form of CHARACTER DEFAMATION and per ELEVENTH CIRCUIT COURT RULING " XXXX XXXX et al. v. XXXX XXXX XXXX XXXX '' I WILL SEEK STATUTORY DAMAGES WHERE I NEED NOT PROVE ACTUAL DAMAGES BUT ONLY PROVE WILLFUL VIOLATION UNDER THE FCRA AFTER INITIAL NOTICE TO EXPERIAN.WHICH I NOW HAVE.ASWELL AS A COPY OF THIS COMPLAINT WILL BE ADDED AS AN EXHIBIT. You are in violation under 15 USC 1681c ( 4 ) ( 5 ), 15 USC 1681e ( b ), 15 USC 1681a2 ( ii ) 15 USC 1681b, and I have the evidence of your willful violations which is my initial notice to you via the CFPB and my current consumer credit report as of today.
Product: Debt collection

We were called by IQ Data Int'l the first week of XXXX and asked to pay a debt we feel we do not owe. My wife told the collector that we just had our first child and it was not a good time to talk. He then told her that she needs to learn how to multi task, was very rude, and hung up on her.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was searching the web for a set of XXXX XXXX XXXX XXXX for a XXXX XXXX and came across a website called XXXX which had them listed for {$44.00}! I went to purchase the item using PayPal to protect my credit card information. When the information on PayPal to complete the purchase was show the payee 's information was different than the information shown on the website for XXXX. Information shown on website says the owners name is XXXX XXXX but the name shown on the PayPal website is XXXX yet the email address shown for XXXX  is XXXX not the one shown on PayPal also the item is shown on PayPal as XXXX XXXX! The XXXX is shown as the the SKU number for the pickup listed on XXXX  website but on PayPal it didn't show the items as XXXX  XXXX XXXX XXXX  XXXX it showed XXXX  XXXX I did not have any idea what a XXXX  is unless it is a XXXX  knock off. I also noticed that on the XXXX website contact information there is an address shown but the street name is missing a sure sign that it was a scam site. 

Upon seeing the information on the seller shown on PayPal did not match the information on the website I closed the browser to prevent any type of down spyware or malware being downloaded to my computer. At no time did I click on anything to complete the transaction because I believe it to be a scam website! A little while later I was checking my email and found an email stating that there was a PayPal charge for the purchase. I contacted PayPal and told them I never made the purchase yet a few hours late I get a reply form PayPal stating based on my purchase history I did make the purchase, yet I have received no order conformation to show this purchase was made from anyone or company other than PayPal!! And at no time has PayPal contacted me asking for any more information or anything else just they have concluded I made the charge. I see nothing to show they contacted the business! 

I went to went to appeal this following the directions on PayPal 's website and provide screenshots of the information showing the XXXX website information is different than PayPal and there is no way to appeal it! I did send an email to PayPal concerning this including the screen shots and have heard nothing bac. Also it appears that after PayPal decided that I did make the charge they again charged my account again to the same seller for the same amount!!
Product: Vehicle loan or lease

My car loan lending company is refusing to apply the payments properly to my account and is forcing me to pay more interest then I should be paying. For 3 years I have made many extra payments, but I am still not on target for early payment so I started to investigate. 

The XX/XX/XXXX bill was {$2.00} due to extra payments. On XX/XX/XXXX, I paid {$400.00} with XXXX going towards principle on the XX/XX/XXXX bill, but the company refused to apply the XXXX towards principle. In XXXX, I made a total of {$820.00} in payments. The company still refused to allow {$400.00} to be placed towards principle and allotted XXXX towards interest. But the payment due was only {$2.00} for the month. After looking at my XXXX spread sheet, I expected to owe under {$9000.00} on my car with all my extra payments. But I discovered I still owned over {$10000.00}. 

Where is my extra payments going? 

In XX/XX/XXXX I paid XXXX in the course of 10 days. I was already ahead of my payments according to my records. I paid, XX/XX/XXXX {$200.00} ( XXXX to interest ) XX/XX/XXXX {$200.00} ( XXXX to interest ) and XX/XX/XXXX {$1000.00} ( XXXX towards interest ). XX/XX/XXXX I paid another {$250.00} with XXXX going towards interest. 

My history shows I pay twice a month and I make extra payments and some months I made much larger payment than required. 100 % of every payment I have made in addition towards principle, has not gone towards principle. This is why after making extra payments every month, making extra payments every year, making lump sum payments, I still owe XXXX payments after already paying XXXX. 

I have paid off 3 other cars and I have always paid them off months prior to the terms. Because I am a student with debt, I was force to pay 15 % interest rate on {$19000.00} loan and XXXX payment plan for 7 years. My last car was {$350.00} for 5 years on a {$25000.00} loan. So, ya, I know I am taking up the exit zone due to the BS of having student loans. So, great for me and life long suppression. Nevertheless, I discussed my payment options with the guy at XXXX XXXX XXXX. I knew I could pay this car off way before the 7 year mark. But something is very wrong with this loan. I am not ahead of my payments. I am exactly where they want me in my terms. 

This does not seem to be run like a car loan, but a credit card. I believe this is why I am unable to pay off this loan, just like how I cant pay off my student loans. Its designed to stop me from successfully paying off my debt in order to maximize their profits. 

This is disgusting. So, what do I do with the extra, extra payment I was going to make this month? The extra XXXX on top of my XXXX on top of the XXXX last month? If I make an extra payment, its still going to get chopped up into interest despite the fact that I already made an extra XXXX payment this month. Lets see what happens. My XXXX bill for XX/XX/XXXX was paid at XXXX. Now, I am going to apply an extra XXXX. I bet, XXXX goes towards interest and not fully allotted towards principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! 

I have a few questions and complaints about XXXX XXXX XXXX Questions : XXXX. Why is my most personal and sensitive data automatically enrolled to marketing mail without my intentional and clear consent and approval? 

XXXX. Why is it so complicated to permanently opt out and why can't that be done quickly and securely online? Why must a consumer go through so many broken hoops in order to do this and why must a consumer mail a letter to a XXXX XXXX XXXX 

XXXX. Why is the online form not updated in more than XXXX years? Users that have a XXXX number where the first XXXX digit number is greater than XXXX can't use the form to opt out because the form is extremely old. This is the error the consumer can see on the form : " SSN number can't contain XXXX, XXXX or XXXX. First XXXX digits can't be XXXX or greater than XXXX. Please try again. '' The consumer can't try again because they can't change their SSN. I am XXXX of those consumers. 

XXXX. Why there is no support electronic email address where a consumer can report the form bug above? Trying to explain the issue in the form above in a letter that must be sent to a XXXX XXXX XXXX not acceptable in XXXX. 

There is an obvious and contrasting discrimination between how easy it is for the credit companies to give away our most private and sensitive personal data and between how hard is it to stop sharing this data. These companies need to improve data security and privacy policies as well as technology. These sites must encrypt the information and make sure it is sent securely to the server. Currently the social security number and date of birth appears in plain text on the form and is sent unencrypted to the server. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX, Account # XXXX Account Status Closed Payment Status Past Due - {$150.00} Balance Owed {$150.00} Payment Amount {$0.00} XXXX XXXX {$500.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FLORIDA XXXX DATE OF BIRTH : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dispute of Unauthorized Credit Inquiries XXXX 

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1. XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

Here I attach, along with the dispute, my fraud report that I just sent to EQUIFAX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

Best regards, XXXX XXXX
Product: Credit card or prepaid card

My complaint and this narrative does not fit into any one of your categories. I am the XXXX XXXX in a business in XXXX, Florida, XXXX XXXX XXXX XXXX, with 3 other partners. Our business checking account with XXXX XXXX was hacked and 4 separate fraudulent debits were made on XX/XX/XXXX  and XX/XX/XXXX  through an automated clearinghouse. I became aware of this on XX/XX/XXXX  and notified our bank immediately. The funds from 2 of the four criminal withdrawals were used to e-pay credit cards-XXXX  Credit in the amount of {$7000.00} and American Express in the amount of {$6500.00}. Three of the four withdrawals were returned immediately including XXXX XXXX. 
XXXX XXXX contacted American Express on XX/XX/XXXX  and were rebuffed. My bank was told I would need to call. I did so immediately and American Express would not speak with me. 
I filed a report with the XXXX County Sheriff 's Department, case # XXXX. American Express is in receipt of stolen funds and is complicit in this fraud.
Product: Debt collection

Commonwealth Financial Systems removed the 2 accounts that aren't mine from XXXX, KY on my XXXX  in the amount of {$1300.00} and {$1300.00}. They state that theses are 2 different accounts in the same exact amount! However they never were removed from my Transunion Report. I also reached out to XXXX XXXX and asked about the 2 accounts. They verified that there was one account not 2 in the same amount. There is one account in the amount of {$1300.00}. So CFSI is basically trying to make me pay them twice for the same bill. If they have proof that I was in XXXX, KY and seen a Doctor and have proof of my signature or me in a video surveillance I will be glad to pay, however it doesn't exist. My Ex wife lived in XXXX and is using my identity. Please remove these accounts immediately! Thank you!
Product: Student loan

I am co-signed on my sons student loan and have been getting calls from Mohela 6 times a day? research mentions XXXX rule? I believe this should be covered. They have called every day for the last 9 days and I have gotten XXXX so far today? No message just constend calling.
Product: Debt collection

COLLECTOR FAILED TO PAY OFF LIEN AS AGREED.ACCOUNT XXXX XXXX XXXX {$3000.00}. SEE ATTACHED. PAY OFF AND PROVIDED RELEASE OR FACE CLASS ACTION LITIGATION.
Product: Credit reporting or other personal consumer reports

Hello, I was notified by multiple private companies via emails and postal service mail, within the past year that informed me my personal information has been leaked, and I am XXXX of the victims. I also was informed by United States Social Security that my personal information was leaked recently. There are multiple credit cards collection agencies claiming that I owe them money. When I hade ask for a wet signature of these accounts the agencies are uncle to provide that to me. 
XXXX accounts were premier credit card blances unknown. Another was XXXXXXXX XXXX XXXX XXXX  another XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am attempting to use the card to make an online purchase where the billing address zip code is required. I have attempted to contact American Express to get one, or register the card so that I can use it. All attempts to contact the company by phone or online have failed, there is no option on their contact numbers to speak to an agent, and one number puts you into a survey / sales pitch loop, then hangs up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute with XXXX because there is an istallment loan reported on my credit report for a vehicle from XXXX XXXX XXXX that I never recieved if you read the dates on the loan and call XXXX XXXX XXXX they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the XXXX  report number is XXXX please help me get this item removed from my credit report.
Product: Credit card or prepaid card

The Credit CARD Act of 2009 requires banks to give at least 45 days notice of any significant changes to a consumers account. On all 3 of my credit cards with USAA bank, with no notice they restricted my account access, within a week my available credit was frozen and shortly there after all my accounts where closed. I was provided no notice and was given no actual explanation. I 've requested documentation on numerous occasions which was all ignored.
Product: Credit card or prepaid card

On XX/XX/XXXX, I found myself unable to pay my credit card bill. Was given online payment assistance options, and after sending a message electronically -- I got a reply days later, asking me to call their payment assistance line. On XX/XX/XXXX, I sent BofA written correspondence, explaining my current financial circumstances and requesting payment assistance. On the XXXX, I decided to take the extra step to call the line -- which then, a representative heard my financial situation, and referred me to a debt settlement program which she referred to as " credit counseling ''. I was transferred to XXXX XXXX XXXX, which then referred me to XXXX XXXX, a debt settlement program which encouraged me not to communicate with BofA and to not pay them a single cent. I didn't think this was right, so I looked at non-profit credit counseling programs. I found InCharge Debt Relief, which helped me work out payment arrangements with three creditors, all except Bank of America, which did not want to work with me, as in their opinion, me keeping more than one emergency credit card open was not acceptable to them. I also have never received a response to my written correspondence. I may use this complaint as evidence, if Bank of America chooses litigation, as I have gone above and beyond to try and settle this debt in a way that is not financially crushing to me, an unemployed ( for 10 months now ) young adult with no income or assets that is currently struggling to pay day-to-day bills, and yet it is Bank of America who has not shown any willingness to settle this matter. I have told you many times, over written correspondence, your recorded lines, your online messaging that, and instead of understanding my hardship, Bank of America continues to remain silent, and request the original payment amount.
Product: Credit reporting or other personal consumer reports

Dear CFPB and Equifax New CFPB violation 15 U.S.C. 1681 states that a credit reporting agency must consider all relevant information presented by the consumer. On all of my complaints I submitted a copy of my drivers license and Social Security card but today I received three different letters asking me for my Social Security card and drivers license. This has been provided on every single complaint. It was a stall letter by Equifax to avoid doing any type of work or finding resolution. Clearly, Equifax is not looking at the attachments of my letters. If they did, they would see that they have already had a copy of my drivers license and Social Security card. They have failed to resolve any of the issues that they have created.

U.S. Code 1681 requires credit reporting agencies to consider all relevant information when evaluating a consumer 's credit. This is part of the Fair Credit Reporting Act ( FCRA ), which aims to protect consumers ' privacy and ensure the accuracy of their credit reports.

On every single complaint or request that I have submitted to Equifax, they have failed to consider all relevant information because they dont read anything that you sent them. They just come up with an excuse to delay and postpone.

Please see the attachment of their nonsensical letters, asking for my drivers license and Social Security card and see all my complaints already contained that information. We as consumers are not being treated fairly because Equifax doesnt even read our complaints and its forcing people into litigation.