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

XXXX account # XXXXXXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX These accounts have been resolved and closed but theyre still reporting it on my credit report. Yes, I have asked them to remove these accounts because they are old and are closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.
Product: Debt collection

Virtuoso sourcing group called me on XX/XX/2015 and I told them the person they are looking for does not live at this number remove my number then they call again on the XXXX XXXX and I told them again to remove my number then they call on the XXXX XXXX and again today XXXX and I told them again to stop calling me and remove my number for the XXXX time
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for remodeling work for my building located in XXXX XXXX. I live in XXXX  and the job was supposed to be done in XXXX XXXX. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. I put my savings to fix this property and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with the US bank in the amount of {$1000.00}. The bank never investigate my dispute and rejected it after a few days.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding two late payments reported byXXXX XXXXon my credit account. 
A Credit Card under my name XXXX XXXX account open since XX/XX/year>, # XXXX with excellent management. I have maintained a consistent history of timely payments for several years. However, XXXX XXXX reported a late payment related to anannual fee chargewithout making anynormal attempt to notify me through the multiple communication methods they have available, including text message, phone call, or letter. This failure to communicate directly resulted in an unfair negative impact on my credit report. 
Under15 USC 1681iof the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverifiable information on my credit report. Additionally, under15 USC 1681s-2 ( a ), data furnishers are required to ensure the accuracy and completeness of the information they report. The reported information must be corrected or removed if it can not be verified. Furthermore, under15 USC 1666, the Fair Credit Billing Act grants me the right to dispute billing errors, including charges that were unfairly reported without proper notice. 15 USC 1666b : Requires creditors to provide clear and timely statements before reporting a late payment. XXXX XXXX failed to do so in this case. 
Given that this situation has negatively affected my credit score, I request a thorough investigation into these late payment entries. If XXXX XXXX can not provide verifiable proof that they properly notified me and that the reporting was accurate, I formally request that these late payments beremoved from my credit report immediately. 
Please find attached relevant supporting documents for your review. I expect a written response within30 days, as required by law. 
Thank you for your prompt attention to this matter. I look forward to resolving this issue amicably. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal credit card ( ending XXXX ) with XXXX XXXX has a regular balance of {$40.00} ( see attached document from XXXX 's myaccount access.com ). 

XXXX XXXX " criminally, willfully & fraudulently '' reported my balance of my personal credit card ( ending XXXX ) {$710.00}, to all credit reporting agencies in particular Experian and XXXX. Thus, my FICO score " dropped '' by at least 20 points. This is NOT a isolated incident by XXXX XXXX- there are many willful and criminally motivated FCRA violations. 
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Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, XXXX and XXXX promptly removed these accounts from their records.I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this duty but also subjects me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Capitol One Quicksilver account ( Credit line of {$20000.00} ) was closed in XXXX due to inactivity, which has been disastrous for my credit score since it was among my oldest and largest lines of credit. In over a decade of having the account open, the account has never been delinquent, which I feel would make Capital One consider me a long time valued customer. I never received a warning or any notice whatsoever that the account closure was imminent. Only long after the account was closed did I receive a notice that it had been closed. Needless to say I am shocked that I was never alerted via the website, mobile app, email, phone, or at least sent a regular post letter giving me time to address the situation. Had I been made aware of Capital One 's intentions, I never would have allowed this account to be shutdown. 

According to the Credit Card act of 2009, HR 627, SEC. 101. PROTECTION OF CREDIT CARDHOLDERS. ( a ) ADVANCE NOTICE OF RATE INCREASE AND OTHER CHANGES REQUIRED.- ( 2 ) ADVANCE NOTICE OF OTHER SIGNIFICANT CHANGES REQUIRED .In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a writ- ten notice of any significant change, as determined by rule of the Board, in the terms ( including an increase in any fee or finance charge, other than as provided in paragraph ( 1 ) ) of the cardholder agreement between the creditor and the obligor, not later than 45 days prior to the effective date of the change. 

I should have been notified that my account was being closed 45 days before any action on the creditors part was taken. 
I have spoken to customer service agents on two separate occasions ; once back in XXXX when I found out the account has been closed, and once today ( XXXXXX/XX/2018 ) after finding out that another Capital One customer in the exact same predicament as myself was able to successfully get their account re-opened. The URL below links to a twitter feed from this person : XXXX XXXX   XXXXXXXX XXXX Upon further internet research, I've have seen additional evidence to find that Capital One indeed does re-open accounts if they were closed by the creditor, not closed by the consumer. 

XXXX : XXXX # XXXX When I asked the Sr. Account Supervisor I spoke with today, ( ID # : XXXX ) how my account was closed without my knowing, and who can make the decision to reverse this, I was told that it's on a " case by case basis '' and he refused to discuss the matter further. When asking who I could further inquire to beyond his abilities, I was told that his superiors, however, he refused to give me any information on how to contact these superiors except for the fax number and PO Box for general correspondence. 

It is discriminatory that Capital One 's policy seems to be able to grant preferential treatment randomly to whomever they deem deserving of leniency.
Product: Debt collection

I paid this debt off months ago to company that was handelinf the collection. It is no longer an open account.
Product: Money transfer, virtual currency, or money service

I filed a complaint onXX/XX/2021 with Complaint ID XXXX complaining Bank of America took away my money on XX/XX/2021 without my authorization and agreement. However, Bank of Americas response intentionally shifted the focus on my authorizedXX/XX/2021 transaction which was not what I complained about. In the response BoA claimed the reverse transaction on XX/XX/2021 was because the senders account could not be debited. If senders account was not debited, please explain why my account balance increased from {$12000.00} to {$12000.00} and the {$500.00} was shown credited and available for my use on 2/3/2021. If the account balance increased from {$12000.00} to {$12000.00} and the {$500.00} was shown credited available for my use on XX/XX/2021, BoA apparently already debited or verified the sender 's account after the XXXX XXXXin on XX/XX/2021 ( Transaction XXXX ) unless the {$12000.00} was a misrepresentation. And if BoA already debited or verified the sender 's account for {$500.00} on XX/XX/2021 and showed it was available on XX/XX/2021, how could BoA later debit my account to reverse the transaction WITHOUT my authorization on XX/XX/2021? BoA assigned my case to Resolution Specialist, XXXX XXXX, and left a contact number for questions, however the phone always went to voice mail directly and they never returned my call no matter how many messages I left. They dont respond emails either. I would like to request BoA stop avoiding this matter and be responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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. 

The dates and companies listed below have violated my rights on the dates listed below. 

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, credit repair services, or other personal consumer reports

On XX/XX/2022 i've disputed erroneous information on my credit report with TRANSUNION. 
They did not do a proper investigation. 
Account : XXXX XXXX # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last actives inaccurate, and date last reported is not accurate.this is ground for removal, they also violate my rights under XXXX XXXX XXXX XXXX XXXX XXXX.States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio has claimed that they have been transferred the right to own such alleged debt. The lawful elements of a contract havent been fulfilled. Portfolio never made me an offer that was accepted by me, they have failed to provide me consideration of any form and they have never proven any other financial entities that that are claiming to have initiated the alleged debt instilled a right to assignment in any contract they provided. Therefore, Portfolio has never proven a right to the existence of any such debt as well as the legitimacy to collect on besides some hearsay Bill of Sale, which proves nothing and offered me no consideration with regards to this issue.

This company continues to refuse to furnish the proof of any such debt and now blatantly states that they refuse to provide proof of validation, as the letter I am enclosing in the file insists. They are engaging in fraud. They make statement of facts in how they form their presentments to collect the alleged debts and yet as the CFPBs own 2015 consent order against them ( CFPB-XXXX ) shows on Page 7, as per the statement of their own VP, they know going into this whole process of their extortion scheme that they know the data they possess is likely flawed and they are in violation of FCRA 1681i in the sense that they cant verify information they list dispute their statements to the contrary in their various responses to disputes and demands they prove their claims. They have never proven the accuracy of the amounts they are claiming to be owed. They, as I have already documented in prior complaints, with no explanation given by Portfolio, have never explained what gave them the right to violate 1681i to reinsert data that had been removed without notification to the consumer. They continue to claim they verify and use terms like establish validity yet never demonstrate how they have done so. The court case XXXX XXXX XXXX established that credit reporting IS debt collection activity and Portfolio has already in the past acknowledged that they are going to cease Collection activity yet continue to Furnish this data as collections to the bureaus.

Furthermore I recently received letters from PRA refusing to explain or defend their standing and right to furnish this data on my files any files, which violated the FDCPA for unfair practices, unless I provide new information. In my prior dispute I did provide new information, in particular the results of my UCC search pertaining to any debt attached to my name, and that was utterly  ignored by Portfolio despite being a valid point. I expect these items to be removed by Portfolio and hear no more from this company I have never chosen to do business with or interact with in any way.
Product: Student loan

I couldn't find the correct option for this but I hope this is the right place to put this. 

Many students, including myself, were misled by Navient into securing predatory private loans to fund education at for-profit online institutions, such as The XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attended from XXXX to XXXX with an original principal loan amount of {$15000.00}. Despite having paid {$32000.00} towards these loans, my current balance stands at {$22000.00} due to an exorbitant interest rate, which currently is XXXX XXXX 

Notably, The XXXX XXXX XXXX XXXX XXXX XXXX and their parent company, XXXX XXXX XXXX, were subject to investigations by various state attorneys general and found to have engaged in deceptive practices. In response to widespread allegations of fraud and misconduct by The XXXX XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX announced a comprehensive loan discharge for students enrolled at these institutions from XX/XX/XXXX, to XX/XX/XXXX. I, however, did not have any of my loans XXXX. 

Navient, which was sued by the attorneys general of XXXX states for its role in facilitating these predatory loans, had a specific arrangement with for-profit schools during the early XXXX, making it a " preferred '' lender. Despite this, the settlement terms provided by Navient were considerably inadequate, excluding many borrowers who took loans for attendance at approximately XXXX for-profit online schools, unless they resided in certain states or had not defaulted for at least XXXX months during a specified period. On XX/XX/XXXX, as a result of this lawsuit, XXXX of my private loans were XXXX, totaling in the amount of {$15000.00}. 

However, that still left me with the balance of {$23000.00}, and the only period during which I managed to reduce the principal amount was during the pandemic, when interest rates were temporarily lowered to between XXXX XXXX XXXX XXXX XXXX  However, once the regular interest rates resumed, my balance skyrocketed again. This financial strain, coupled with the emotional stress and damage to personal relationships, has been overwhelming. 

Moreover, Navient exited the federal student loan servicing business amidst legislative and advocacy scrutiny, following allegations of steering borrowers away from income-driven repayment plans towards forbearance, an action for which they had to provide restitution. 

Navient has also faced multiple lawsuits for other predatory lending and illegal collection practices. Currently, Navient is distributing " applications '' to select students who may qualify for XXXX XXXX claims against their schools. However, this process feels unnecessary and opaque, as Navient is already aware of the affected students. 

Under the FTC 's " XXXX XXXX, '' Navient is accountable for these predatory loans issued in association with for-profit online schools. As time is critical, XXXX XXXX XXXX has urged Navients XXXX to immediately discharge these loans. It is crucial for Navient to take responsible action now by discharging all such predatory private loans associated with for-profit online education.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 hard inquiries were reported on my credit report. They were not given permission by me. I contacted both XXXX and XXXX  multiple times to have this resolved and removed from my report. This company has either pulled via XXXX and/or XXXX. 

I did not authorize these hard pulls on my credit report. And they have not sent me any signature from me allowing this.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the listed account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$5100.00}.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries from my account I did not authorize them 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Incorrect hard inquiries appear on my report, which I did not authorize. Under 15 USC 1681b ( c ) ( 2 ), please delete all unauthorized entries.
Product: Money transfer, virtual currency, or money service

While using my Coinbase wallet on XXXX XXXX to make swaps I was having trouble completing the transactions and kept getting an era. I went to XXXX ( formerly XXXX ) to write Coinbase support Dev. Apparently XXXX  lets imposters purchase blue check icon and not vetting these fake companies. The fake company said my account needed to be validated and that was why I was having trouble. They sent a link on twitter to validate my wallet and to connect to a wallet which had other wallet to use and for validation I had to paste my XXXX phrase word and before I knew it all my crypto was deleted. I reported the site to XXXX  and nothing was done and Coinbase wallet has no help button or anything but topics. I put a XXXX step verification pin on my Coinbase wallet and started using my wallet again thinking I secured it and XXXX XXXX my crypto was stolen again. So all my gains i would have had is gone and all my new crypto is gone totaling about {$2000.00}. The only thing I could do was lock my coinbase account which I was not trying to do. I was trying to lock my Coinbase wallet. It is sad XXXX  allows scammers on their site but no help when people are scammed and Coinbase dosent help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I called the Experian Bureau concerning my dispute letter that was sent on XX/XX/XXXX and was signed for on XX/XX/XXXX. I was told by three agents that the letter wasn't there but I had a certified return receipt reflecting that the documents were signed for. I spoke to an agent by the name of XXXX that told me that if I wanted to dispute the items I had to dispute via phone one by one. He also later stated that the documents were received with everything that I told him was included in the package sent. He stated that he could not provide details when I asked was the dispute open. He stated that there was a special department reviewing. I asked was the disputes open he told me he could not share the information but that I could dispute each item with him. I advised him per the FCRA Act when a dispute is received, it must be reviewed and provide documentation that it was reviewed and the actions taken. I haven't received any alerts that my dispute was reviewed. He would not provide any details on the dispute. I asked to speak to the correct person and even his supervisor he refused to do so. I provided my credit report, my proof of residency, ID, and dispute letters for the dispute. I haven't received any indication that it was reviewed. They have 30 days from the date of receipt and they haven't even opened the dispute or provide any updates. They've even lied about the letter being received. This furthermore proves that they either lose letters or completely disregard. THis is affecting my credit and my ability to do things.
Product: Credit reporting or other personal consumer reports

All negative marks and entries on all 3 of my credit reports and files have been involved in the credit breach of that of experian, XXXX and XXXX. I request all negative items be removed as per fcra 605b within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX. Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions