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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit reporting

A collects account from XXXX was deleted last year XX/XX/2016 and has been reinserted and lowered my credit score XXXX points. I did not receive any documentation stating it would be reinserted and why.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. 15 U.S.C 1681 602A states I have the right to privacy.

15 U.S.C 1681 section 602A. Its also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Debt collection

I've contacted all XXXX credit bureaus. I'm extremely upset with how TransUnion and XXXX have delt with me. I sent 2 letters to them, First dated XX/XX/22 second dated XX/XX/22. I was told they did not receive either letter. They wanted me to file a complaint over the phone with one of their employees. I did. However i asked them to send copies of corrected information, which they could verify through the hard copies i sent of reciepts and statements i got off line showing accounts paid. I also asked them to remove collections they did not belong to me. I also asked that they send information to me where i signed an agreement with these companies who had me in collections on my credit report. A corrected credit report. My current Credit Score.

Neither XXXX or XXXX sent this information within the 30 days given. When i did receive information they had it listed as VERIFIED. No proof with my signature that i was responsible for the debt. 
The debt collectors was XXXX XXXX, XXXX XXXX, and XXXX. 
XXXX XXXX sent nothing to me with my signature. I was sent a notice asking that I pay {$630.00}. Nothing with my signature showing I owed this company. I rceived nothing from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Credit Bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX : account number : XXXX : account name : XXXX : account number XXXX : account name : XXXX : account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue with each credit bureau, Transunion, XXXX and XXXX for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.
Product: Debt or credit management

I paid {$120.00} per month for credit repair services. Before I joined the XXXX, during covid, I had a {$6.00} maintenance fee for a credit card bounce- which in my mind would cause a negative item to appear on my credit report even though it is small. A few months later I enlisted in the XXXX, and due to my recruiter not completely conveying accurate information regarding the pay schedule, I was unable to make a payment for my vehicle while also not being permitted any extra phone time to figure it out. I was in an area with unreliable cell service, and furthermore was not permitted to use the office phone. While at XXXX at basic training from a XXXX  injury awaiting XXXX, I utilized the services of the financial advisor. I know we called my bank, and got my car loan APR dropped to 6 % from 17 % utilizing the Servicemembers Civil Relief Act. I believe we also addressed the issue with not making a payment on time- and I believe the bank either did not report the negative item or retroactively altered the report. After I XXXX  XXXX and arrived at my duty station I began paying for credit repair services with Lexington Law XXXX. In my mind there was one, and potentially two negative items that should be on my report history. I did not check my credit report. I paid Lexington Law for a bit over a year. They advised me that there were XXXX negative items on my report and they were working to remove them. It took them over a year to remove 6 of them, which was when I had canceled my subscription because I only took home {$19000.00} dollars after taxes that year and I could not afford anything beyond the minimum, with mounting credit card debt, and vehicle repairs that cost me thousands of dollars. I then checked my credit report with the XXXX bureau 's and found that there were in fact XXXX negative items on any of my report histories. I downloaded Lexington 's " version '' of my report which lists negative items, while also printing my XXXX reports with no items. I paid them apx. {$2000.00}. Today I tried to log in to get my account information, but they have eliminated my email from their system and it does not recognize my email. It may not seem like much but I really need the money since I make very little and I live in one of the highest cost-of-living areas in the nation, outside XXXX. The XXXX Lawyer advised me to submit this report. I legally changed my name from my fathers given name to my mother 's family name and grandfather 's name. It previously was XXXX XXXX XXXX XXXX it is currently XXXX XXXX XXXX XXXX . My social security card has been updated, as well as my birth certificate and drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CCS COLLECTIONS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I had the sum of XXXX sent to my paypal account, immediately the money dropped into my paypal account, paypal threw my account to account limitation, then i called and explained the transaction and i was told that the limitation will be lifted with 24hrs to 72hours. 

I have made 5 calls to the very rude and inhospitable customer service representatives and i was assured that the limitation will be lifted. To my amazement on XX/XX/2021 the account was permanently closed with my funds in it, then i was told i can not claim my money for 180days! without any form of empathy! 
I even explained an emergency i had, but they were not concerned. 


I was asked to produce my passport, bankstatements etc, i provided all, but the bullies told me they have a right to close my account unjustly! 

There is XXXX transaction which i remembered is a survey platform that helps me earn money when i answer questions, they claimed it was fraudulent transfers. 
( see attached ) Kindly use your good office to claim back my money for me please, i am in dare need of it. 

I have provided them my International passport, my bank statement and all they required and i am ready to provide whatever they need, i do not engage in any fraudulent activity. 

I am amazed that a lot of people were disappointed that i use paypal, i never knew that paypal has made a very bad image of themselves in the public, i have had nighmares this few days as i am shocked that we have extremely wicked and unempathic customer service or limitation team in existence in this 21st century, this may affect paypals going concern in the future. 
Find below the history of my qmee transaction history. 

I am a fraud investigator by profession and i know you should know that when you suspect a fraudulent activity, you ask for evidence to be sent not rudely close your customers account with the hard earned money, will you be happy to have your own money locked up for 6months? how evil! 
Please you have frustrated me enough, and caused me sleepless nights, do not punish me unjustly, i need that funds as its for an emergency in this covid period. 

see attachment and if you need more evidences let me know, i am ready to provide it. 

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

I know I don't deserve this erroneous information credit bureuas are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how they fix my credit report, very slow! It is beyond the 30 day allowed by the FCRA but they haven't fix it yet. The accounts don't reflect their true accurate status.. The accounts were paid as agreed on time. CFPB step up and fix XXXX   XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED TRANSUNION AND NOTIFIED THEM XXXX  TIMES ALREADY TO REMOVE THE HARD INQUIRY DUE TO FRAUD AND NOT HAVING MY CONSENT. I THEN SPOKE WITH SOMEONE SAYING IT IS DONE AND IT WILL BE REMOVED WITHIN A FEW DAYS TO A WEEK AND STILL XXXX WEEKS LATER, IT IS STILL ON THE REPORT!!!! 

WHAT DO WE AS CONSUMER NEED TO DO TO GET WHAT WE AUTHORIZE TO BE DONE VERSUS WHAT WE DON'T .... 

THESE BUREAUS ARE A JOKE AND THINK THEY OWN US AND OUR REPORT ( XXXX )!!! 
THIS IS A MAJOR PROBLEM!
Product: Student loan

In XXXX XXXX required that I direct consolidate my loans in order to qualify for PSLF. I had previously direct consolidated my loans, but did not have any documentation. I recently found an email dated from XXXX informing me of my submitted consolidation application. As of right now XXXX will only review payments made since my XXXX reapplication. However, I have been paying my loans since XXXX and would like all my payments reviewed to determine whether they qualify for PSLF. I'm attaching the email that was sent to me in XXXX in response to my direct consolidation application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 to 3 Credit Bureaus but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX Balance : {$6900.00}
Product: Credit reporting or other personal consumer reports

From ID Theft watch software such as XXXX DEFENDER, I received notices that my XXXX XXXX dropped severely. 
Checked Credit Reports at the XXXX, XXXX, and XXXX and found an unauthorized listing of THD/CBNA tied XXXX the CITIBANK/MasterCard brand so submitted XXXX XX/XX/year>, I called the number for THD/CBNA listed on the Credit Report : XXXX XXXX XXXX. 
XXXX AI persistent in requesting my Social Security number but I refused. I said to AI, only willing 2 search 4 account with my phone #. Very difficult to be transferred to a HUMAN. 

Finally, XXXX, the CS rep, said my information was NOT LISTED in their records as an account holder i.e. NO listing of my phone number or a credit card number, Since I have not engaged MASTER CARD in the past ( as indicated on my CREDIT REPORT ), THD/CBNA seems to be executing a consumer fraud PHISHING SCAM possibly attempting to secure Social Security numbers from incoming callers. 
Please STOP THIS SCAM ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$160.00}, Medical XXXX Balance : {$770.00}, Medical XXXX Balance : {$770.00}
Product: Debt collection

I've been in contact with XXXX, they advised they would settle the debt for a certain amount. When I checked my credit they sold it to a debt collector by the name of Ad Astra Recovery Service, which is reporting the incorrect amount on my credit report.
Product: Credit card or prepaid card

Bank of America : Continued communications of payments not paid. As of XX/XX/2022, a total of {$150.00} was paid to my Bank of America credit card. Automatic payment ( {$35.00} ) was paid on XXXX. A payment scheduled for XX/XX/XXXX for the amount of {$35.00} was not issued due to promotional period ending and the increase in interest rate. Payment was eventually made and processed on XX/XX/2022, in the amount of {$61.00}. That payment actually was paid to another Bank of America credit card, I received a letter that the mistake was found, and the payment was issued to the right credit card. Another payment was paid and processed on XX/XX/2022. Any late fees were waived via an online chat. The XX/XX/XXXX payment and the XX/XX/XXXX payment has the account up to date. I'm still receiving information that I owe {$150.00}. I did a recent online chat and was told it was for {$90.00}. The individual could not explain the {$90.00} charge. Online account : the delinquent payment ( XX/XX/2022 ) is for {$61.00}. That payment for XXXX was paid XX/XX/2022. The next scheduled payment {$61.00} ) is due XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dissatisfaction with the way you have handled my previous request regarding the removal of inaccurate accounts from my credit report. As I have stated before, the accounts in question, namely 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 and XXXX XXXX XXXX XXXX, have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I want to remind you that it is illegal for you to continue to furnish inaccurate information to consumer reporting agencies. Under 15 USC 1681 Section 602 A, I have the right to privacy, and Section 604 A Section 2 states that you can not furnish an account without my written instructions. Additionally, 15 USC 1681c. ( a ) ( 5 ) Section prohibits consumer reporting agencies from making any report containing inaccurate adverse items of information.

I have already requested that you investigate the accuracy of these accounts and remove them from my credit report. Yet, you have failed to comply with my request, and this lack of action is unacceptable. If you do not take immediate action to remove these inaccurate accounts from my credit report, I will be forced to pursue legal action against your company.

Please do not ignore this request. The inaccuracies in my credit report are causing significant harm to my credit score and financial well-being, and I will not stand for it. I expect your prompt attention to this matter.
Product: Debt collection

Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX Account # : XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW 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 VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Debt collection

I have no contract with Navient. 

Navient is in violation of 15 USC 1692c by not having prior consent from the consumer to make contact about a debt. They are fabricating a communication to me without express written consent. 

Navient has committed identity theft by acquiring my information for monetary benefit. 

Navient has invaded my privacy and has reached out to my personal contacts, without their consent, about an alleged debt. 

Navient has made false claims by attaching TEN entries onto the credit file, reporting all entries as late thereby damaging my credit. 

Navient has caused harm by way of trespass, violation of privacy and identity theft. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C.1681g ( e ) ( 11 ) Definition of victim For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime.