23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX and XXXX have failed to comply with the FAIR REPORTING ACT by not validating, correcting, or removing inaccurate reports. Trans Union in company with the same violation has not removed those reports after proof was sent. I am attaching proof of my 100 % accurate info and per the Fair REPORTING ACT, request that those items and collectors be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  is not licensed to collect debt, so I asked them to review the documents and close my account. They have not provided that information to me. I went on the XXXX  consumer access and they are only licensed in XXXX  as a XXXX XXXX XXXX XXXX ( XXXX XXXX )XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ), and XXXX  is not reported as them being able to do anything in XXXX  ( XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX {$360.00} XXXX XXXXXXXX {$720.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX {$1100.00}
Product: Student loan

In the XX/XX/XXXX I put in for my financial aid and was told everything was ok, only to find out that the financial aid office had messed up mine and several other students aid packages. The mistake left me owing approximately $ XXXX to the university. I started making payments to the university but was a student worker and was living on my own. This added a tremendous amount of XXXX to my life and then the university cut my hours. In the XX/XX/XXXX I stopped college due to the financial issues that I was having with the university. I had given Information about my issue with loan holders online, they told me that they would work with me. About 3-6 months later I found out that XXXX XXXX had my loan, I told them of my financial problems and started making small payments on my loans, then the job that I had cut my hours in half. I then contacted XXXX XXXX to explain my situation and then all of a sudden my loan is in the hands of Coast Professional Inc, and during the transfer they are charging an addition approximately {$8800.00} penalties and interest. It upsets me that my student loan went from about $ XXXX to now $ XXXX in less than 2 years. Now I finally started a decent job that I can afford to start paying on the loans again but I do n't like the fact that nearly $ XXXX was tacked onto my account. I was honest about my lack of ability to pay during a XXXX period of my life and feel that I ' ve been gouged by all the interest and penalties added to my account. Please let me know if I have a way to get a fair loan with more reasonable lenders.
Product: Credit card

I am writing to formally lodge a complaint against Amazon Store Credit Card regarding an unjustified and detrimental reduction in my credit limit on my Amazon credit card. 

On XX/XX/year> I attempted to make a purchase using my Amazon credit card. Prior to this transaction, I had over {$1000.00} in available credit. To my surprise, I was unable to complete the purchase due to an insufficient credit limit. Shortly thereafter, I received a letter notifying me that my credit limit had been significantly reduced. 

This reduction occurred without any prior warning or justification provided. I believe this action was taken in retaliation for my decision to pay only the minimum amount due on my credit card balance in recent months. This punitive measure appears to be an attempt to coerce me into paying more than the minimum amount, despite my compliance with the terms and conditions of the credit agreement. 

The reduction in my credit limit will have a severe negative impact on my credit score by increasing my credit utilization ratio. This, in turn, could affect my ability to obtain credit in the future, secure favorable interest rates, and maintain my financial stability. I consider this unjustified action a form of slander, as it misrepresents my creditworthiness and financial responsibility. 

**Requested Resolution : ** 1. Immediate reinstatement of my previous credit limit.

2. A review of Amazons policies and practices to ensure compliance with fair lending standards and consumer protection laws.

I appreciate your prompt attention to this matter and look forward to a resolution that restores my financial standing and prevents further harm to my credit score.
Product: Credit reporting or other personal consumer reports

XXXX was unwilling to fix the error on the credit report that shows a settlement as a repossession. I went to buy a new car and couldn't because of erroneous information. During the XXXX I called and spoke to a representative to settle the balance of the loan due to loss of wages. The representative stated it would be deleted off my credit report once I settled. But it is still showing and when I called XXXX now, XXXX years later due to it showing on my credit report the representative said they don't do " pay to delete '' but the original person I had spoken to years ago had verbally stated they would. It also shows as a repossession when the vehicle never left my property and was never taken by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting on my credit report fraudulently. I contacted the company to dispute this charge and Im still having a problem getting the account removed. This is not my account.
Product: Debt collection

This is my second complaint about this matter, this information is NOT being properly investigated. 
original response from Equifax Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. 

I HAVE INCLUDED WHAT THE COMPANY SENT ME STATING THEY HAVE NOT COLLECTED ON THIS DEBT AND IS ASKING EQUIFAX TO REMOVE IT. EQUIFAX IS REFUSING TO REMOVE THIS DEBT FROM CREDIT REPORT!
Product: Debt collection

This account originated in XXXX and I gave them {$4000.00} dollars down for a vacation package. After a year of paying them through the website I was given and the maintenance fees, I tried booking a room and was told they could not book at this time, then I ask when could a room could be booked, they told me to call back. After trying to book a room couple of times with no success I stop paying. After I stop paying they called me about the payment at that time I explain the issue to them, I was told their company is located in the California an only handle payments and any issues with booking is handle through the resort in XXXX. I called the resort in XXXX and ask for arbitration a few months later XXXX collection service contacted me and they added {$4000.00} to the dept. I tried resolve this but its hard when your can only talk to the front desk at the resort.
Product: Mortgage

On XXXX/XXXX/16 a loan modification package was submitted. 
On XXXX/XXXX/16 a call was placed to check if anything else was needed. The XXXX form needed to be updated and it was submitted the same day. 
On XXXX/XXXX/16 a call was placed to check if anything else was needed. The XXXX form previously submitted had not been reviewed. " A message was sent for the documents to be reviewed. '' At this point, Seterus had a complete package. 
On XXXX/XXXX/16 another call was placed to check on the status. No update and sale date still on. " A message was to the escalation department. '' On XXXX/XXXX/16 sale date still on, no update, no additional documents needed. 
Should n't they at least postpone the sale date if they have a complete package? Are they going to review the package for a loan modification while they are trying to foreclose at the same time?
Product: Debt collection

I received a response from the collection agency that they have ceased making contact with me but I just received another call. These egregious collection efforts for invalidated/paid debt need to stop. Otherwise I will seek punitive damages!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my experian credit report where an account with credit first was reporting as 90 days late and an incorrect balance, I started a dispute on the account and experian notified me the dispute was complete a day later, I them viewed my credit file where experian now showed the account over 90 days late with a corrected lower balance ... this means experian didnt update the payment history as I should not be showing 90 days late for XXXX
Product: Consumer Loan

Santander is violating the Fair Credit Reporting Act in many ways and they are causing serious harm and damage to my credit as a result of their inaccurate reporting. 

The information they are reporting on XXXX and XXXX is inconsistent and should not be tolerated. 

1. They are reporting XXXX different addresses on the credit report. The address on XXXX is for the first payment, before the deal is funded. The address on XXXX ( once Googled ) does not link to any Santander dealership. I see places with XXXX XXXX, but not XXXX XXXX as is reported on XXXX. 

2. They are reporting different late payments on the credit report. XXXX is reporting Repossession as of XXXX XXXX ; 90 days past due as of XXXX XXXX ; 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX and 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX. While XXXX is reporting 60 days past due as of XXXX XXXX and XXXX XXXX ; and 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. How can there be such a huge difference in the way the late payments are being reported? This is totally inaccurate. 

According to the Federal Trade Commission, it is illegal and against the Fair Credit Reporting Act to report inaccurate information to the credit bureaus once it is brought to the attention that it is inaccurate. 

Furthermore, you failed to mark this account that it was disputed as a result of my dispute sent to you and the credit bureaus. Which leads me to believe, a real investigation was not complete.
Product: Debt collection

They are not honest service provider and they are not giving any service to me. When I contacted them, they said you are not on our customers list.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received another letter from Midland credit management. A cease and desist letter was sent out last year and now here I am today being contacted by letter, which is a violation of my rights.
Product: Credit reporting or other personal consumer reports

NAVY FEDERAL CREDIT UNION has been violating my consumer rights for several months now. I have been writing and communicating with this company for remedy but they are proving to be negligent. As per FCRA and 15 USC 1681 a and b : it states " ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I, the consumer demand an updated and corrected account status on my credit from NAVY FEDERAL CREDIT UNION or complete removal of the account. By law, a " CHARGE OFF '' is considered a Certificate of Indebtedness which in other words defines as income, income can not be reported to credit report ; it must be removed. Furthermore, as per 15 USC 6802 the law states " ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. NAVY FEDERAL CREDIT UNION did not communicate with me in doing such fraudulent violations.
Product: Debt collection

I contacted XXXX on XXXX XXXX, 2017, and I contacted the collection company I.C. Systems in XXXX XXXX 2017, asking for proof that this was my debt. I asked for a signed contract or invoice of some kind. The company who claims I owe them is called XXXX and does business out of Alabama and Florida.
They would NOT provide any proof whatsoever, but maintain the debt is mine and will not remove it from my credit report.
The amount of the debt reported is {$1300.00}
Product: Money transfer, virtual currency, or money service

I send {$200.00} to XXXX, XXXX on XX/XX/2021. The Money Transfer  co XXXX authorised by XXXX gave me 6 cash pick up locations to pick up cash. But none of those locations were not there or move out from the locations given. 
So I canclled the transaction on XXXX XXXX. Following is the Reciept Cancelling the Transaction Xoom, a XXXX Service Transaction cancelled As you requested, we have cancelled your transaction. 

If we owe you a refund, please allow up to 3 business days after the payment is processed to receive your funds. 
I have tried to talk and email to the customer service but no one is picking up the phobe and no answee on line. I am totally in dark.
Product: Vehicle loan or lease

My grandfather helped me buy a New 2020 XXXX XXXX XXXX at XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/2020. The list price online for the vehicle was {$22000.00} for the XXXX XXXX which is the lowest priced trim level, XXXX XXXX charged me {$34000.00} improperly inflating the MSRP, charging me for the XXXX XXXX XXXX XXXX ( {$35000.00} ) when I purchased the XXXX XXXX XXXX ( {$23000.00} ). I believe this is grounds for Auto Dealership fraud by Inflating the total purchase price above the invoice or sticker price, such as by concealing options I did not request, or by including other unapproved and undisclosed fees as well as bait and switching on the company 's website. I am requesting my loan to be adjusted and/or refunded.
Product: Bank account or service

I purchased and item from a merchant and used PayPal to pay because of the buyer protection program, I received the item 30 days later and damaged. I contacted the seller and did not respond I filled a dispute with PayPal, unfortunately they did not investigate the case and decided it in favor of the Seller. I sent the pictures of the item showing the damage and the email from the seller who later had accept to refund money based on the damage, I was surprised that PayPal would insinuate that they can not rely on information provided by me, yet they can rely on information provided by the seller in XXXX to make a determination. I have forwarded the emails to PayPal sowing the conversation and the pictures of the items and still no determination has been made.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

company has stated they will remove account from credit report, they have not done so yet
Product: Credit reporting or other personal consumer reports

I have fallen victim to fraud and identity theft in my name, in which accounts have been open without my authorization, such as auto loans, bank accounts, as well as apartment rentals, have been obtained unknowingly in my name. This has caused much undue, financial strain and stress. Account : Achieve Personal Loans Account # : XXXX {$15000.00} In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The Numbered Account attached to this dispute violates my rights. 
15 USC 1681, section 602 A. States I have the right to privacy. 
15 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 
I have requested information from creditor with signed affidavit due to identity theft and no known knowledge of account. This has caused much damage to credit report and needs to be deleted from all credit bureaus immediately. 
According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. 
A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer ; or modify that the item of information as appropriate, based based on results of the reinvestigation ; and promptly notify the furniture of the information information that the information has been modified or deleted from the file of the consumer. 
And according to this law, they are supposed to provide me a description of the investigation, according to 15 USC 1681i ( 7 ) description of reinvestigation procedure paragraph ( 6 ) ( B ) ( iii ) but not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.