23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have a cash app account under $ XXXX  - I paid for products that I never received and I believe I was scammed. I contacted the company and they did nothing. I want my money refunded for the following : XXXX XXXX XXXX XX/XX/2020 {$1000.00} XXXX XXXX XXXX XX/XX/2020 {$1500.00} XXXX XXXX XXXX XX/XX/2020 {$50.00} XXXX XXXX XXXX XX/XX/2020 {$800.00} XXXX XXXX XXXX XX/XX/2020 {$500.00} XXXX XXXX XXXX XX/XX/2020 {$500.00} XXXX XXXX XXXX XX/XX/2020 {$500.00} XXXX XXXX XX/XX/2020 {$150.00}
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

COLLECTOR KEEPS CALLING MY NUMBER XXXX OVER AND OVER AGAIN, WILL NOT VALIDATE OR CEASE AND DESIST. COLLECTING FROM XXXX XXXX XXXX, XXXX, AND HE DOES N'T LIVE HERE!
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) 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. 
. 


XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as XXXX  XXXX XXXX account XXXX XXXX, XXXX Account XXXX  XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by XXXX account XXXX  XXXX, XXXX Account XXXX  XXXX is causing harm to my credit reputation and financial standing. 

All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I needed deleted are listed in the report. 
I am a victim of identity theft and did nit make the change. I ask that the items be deleted to correct my credit report I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Debt collection

On XX/XX/24 I called Credit Collection Services to pay on my collection. I had two files. One of which was for the amount of XXXX and the other was for a little over {$3000.00}. I agreed to pay off the file of XXXX at that time. I paid the XXXX by check by phone on that day. In calling back Credit Collection Services, I was told that I had XXXX files still and that the payment that I had made for the XXXX was divided up and an amount was paid to both of the files. This is not what I had authorized, and it was corrected. On XX/XX/24 I called Credit Collection Services and they gave me an offer of paying XXXX to satisfy the remainder of the collection which I did at that time by paying with a check by phone. 
On XX/XX/XXXX, my lender had each of the credit bureaus call to get verification that the debt had been paid and XXXX was told by Credit Collection Service that my account was still active and owed. I am attempting to buy a house which I prequalified for and am now not qualifying for as Credit Collection Services rereported my collection and refuses to take it off of my credit report even after I requested a " good will '' deletion. I feel that Credit collection Services has treated me unfairly and unjusticely. I request that this collection be removed from my credit report.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to block information from my credit report, even after I submitted the appropriate identity theft information. I submitted the information twice however they are still violating federal law.
Product: Credit reporting or other personal consumer reports

When i pulled my credit report I noticed that experian XXXX XXXX is pulling my report everyday for months, there is no reason they should be pulling my credit report daily and they can not explain it either. Iwould like for the to cease and desist all credit report pulling from their XXXX XXXX branch and pay me XXXX for this violation as well as remove them from my report
Product: Student loan

In XXXX and XXXX, I took out two different student loans for my daughter who was attending XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. I had no problem making the loan payments until my personal financial situation changed drastically in XXXX after a divorce, a move across the country, and then the pandemic decimated my XXXX travel business. 

Navient says that I am out of forbearance options. In the meantime, I've accrued thousands of dollars of interest fees while in forbearance. According to them, I'm out of forbearance options and I do not have the means to make the $ XXXX monthly payments. It's just out of the realm of possibility right now. 

When I took these loans out, I took onXXXX out ( from XXXX ) with my former husband as a co-signer ( he was removed from the loan in XXXX ) and one on my own ( from XXXX ). I did not have a co-signer on any of my loans. Now Navient is telling me that my mother is a co-signer on one of these loans! This is absolutely false. 

My daughter, separately, took out a loan that my mother co-signed on but she did NOT co-sign on either of my loans, but now Navient has threatened to contact my mother about MY loans. This is false and wrong on every level.
Product: Credit reporting or other personal consumer reports

Equifax, According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you XXXX days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan through Affirm, to pay for a washer and dryer from XXXX. I made all payments on time. Account is paid in full and closed, yet still remains on my credit report, after I asked them multiple times to please remove it. They assured me the accounts would be removed within 30 days of my call. It has been two months later and the accounts still remain on my credit report. They also put 30 and 60 days delinquent remarks on my credit and will not remove it. These accounts are paid in full and on time. They are refusing to remove two accounts off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans are considered " education records '' under FERPA. This means that they are protected by the privacy provisions of FERPA.

FERPA generally prohibits the release of education records without the student 's written consent. 

The federal government guarantees most student loans. This means that the government will repay the loans if the student defaults. Therefore, there is no need for private credit reporting agencies to have this information on their credit reports. 

Reporting student loans on credit reports can have a negative impact on students ' credit scores. This can make it more difficult for students to qualify for loans and other forms of credit.
Product: Money transfer, virtual currency, or money service

I have already filled out the report on a previous report to this XXXX and it clicked me out that I did not want to be identified as filing the report. It was a mistake and I am XXXX XXXX and want this report to be tied to the previous report to this one. It happened in XXXX XXXX Texas with the XXXX XXXX XXXX XXXX transfer of money thru the Chase account and thought Chase was notified they would not stop the money within only hours of the original transfer of money. 
This report should be connected to the previous report I have already sent by hitting the incorrect key.
Product: Vehicle loan or lease

On XX/XX/2019 I returned my lease to GM Financial Leasing. On XX/XX/2019 I received the first bill for excess wear and tear of {$1700.00}. I immediately contacted XXXX XXXX, I purchased a policy with them for excess wear and tear a the beginning of the lease. XXXX requested a lot of documentation that GM did not provide me with and when I would request documents they would transfer me back and forward from representative to representative. Finally when I was able to get a hold of someone that could help they would tell me that it would take 15-30 days for me to get the documents. I explained many times that I was working with XXXX to get the bill payed and they needed the information. On XX/XX/XXXX I called GM to request information that I had previously requested that I never received, the representative told me she would put my account on hold while all the information was being gathered. My understanding is that if my account on hold is that they wouldn't report it as a late payment knowing that GM is making it extremely difficult to close the process because they were not proving all the information I needed to submit to the insurance. GM Financial lease NEVER sent me other bills other than the one I received in XX/XX/XXXX nor did they send any correspondence saying the payment was late and action was going to be taken.

GM reported this as a late payment to my credit score. After many phone calls to GM and basically begging them to provide the information the claim was payed by XXXX in XX/XX/2019. GM financial records the phone conversations, they can go back and see how difficult they made this process and their customer service representatives lack of care
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY XXXX CREDIT REPORT I HAVE MISSED SPELLED NAMES AND ADDRESSES THAT DON'T BELONG TO ME NAMES : 1. XXXX XXXX XXXX 2.  XXXX XXXX 3. XXXX XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX  XXXX FL XXXX 3.  XXXX  XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX, FL. XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PHONE NUMBERS : 1. ( XXXX ) XXXX 2.  ( XXXX ) XXXX 3. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : HYUNDAI CAPITAL AMERIC XXXX, HYUNDAI CAPITAL AMERIC XXXX, HYUNDAI CAPITAL AMERIC XXXX
Product: Debt collection

CBE Group contacts me daily regarding an account that has already been resolved as identity theft through XXXX XXXX. Someone located at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NY has committed identity theft using my name. I have repeatedly asked CBE Group to stop calling or to send me something in the mail. They keep talking over me and ignore my requests. I have contacted XXXX XXXX and asked them to notify CBE Group and XXXX XXXX has assured me that they will resolve the matter, yet I still receive the daily calls from CBE Group.
Product: Debt collection

I was under a wage garnishment since XXXX XXXX XXXX and I stopped having my wages garnished in XXXX XXXX XXXX I believe. I have a document I retrieved from my employer 's website from the court saying on the bottom " FINAL STATEMENT ON GARNISHMENT OF PERIODIC PAYMENTS '' dated XXXX XXXX XXXX. I figured I was done until I received a letter from a different law firm than the one I started out under in XXXX. I wrote them back saying I believed I was done with this debt. This new law firm, in turn, sent me a document saying that the law firm handling this debt had transferred the case to them. However this document was not dated, it did not contain a signature by the District Judge, and it was not sent to either myself or my employer during the period of the garnishment. I also was told I owed {$98.00} in addition to what they were telling me I supposedly still owed on this debt.
Product: Bank account or service

Identity theft. Someone opened up XXXX XXXX XXXX online XXXX using my name, social security # and fraudulent home address on XXXX/XXXX/2016. My ID XXXX notified me of issue and I called XXXX XXXX to notify on XXXX/XXXX/2016. XXXX XXXX closed account on XXXX/XXXX/2016 but has refused to send letter to me detailing fraud. Report from Chex systems lists incorrect address in XXXX Tx ( Fraud ) and incorrect consumer inquiry. Chex Systems states that they can not remove the incorrect information unless XXXX XXXX contacts them and notifies them of fraud activity and instructs them to remove. XXXX XXXX refuses to do so.
Product: Credit card or prepaid card

In XX/XX/XXXX a merchant fraudulently charged Bank of America my credit card for unapproved services in the amount of amount of {$11000.00}. I immediately alerted Bank of America regarding the transaction which followed a series of back and forth investigation.

Since then the issue remains unresolved despite efforts on my part to get the matter resolved fairly.

Instead of investigation the matter, Bank of America unilaterally started reporting my account to the credit agencies for default on payments despite the fact that i continued to contact the company and share documents related to the dispute. All this time, i continued to make minimum payments on legitimate balances that i felt i should have been paying pending the dispute resolution. 
Other than the disputed transaction, I have had no any other credit issues on record. But the action by Bank of America has has had the greatest impact on my then excellent credit rating, causing denial of credit and loan applications The bank is now claiming that because of the default they have closed the account and that they are going to charge off the account at the end of XX/XX/XXXX.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : SPECIALIZED LOAN SERVI XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.
Product: Debt collection

National Recoveries Inc. XXXX XXXX XXXX , XXXX XXXX , MN XXXX, ( collection agency ) is attempting to collect from me monies on a discharged student loan. They are unable to validate the debt they claim I owe them. I never contracted with them and they are attempting to collect monies from me for a student loan that was officially discharged on XX/XX/2012 through the IRS and was taxable income.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report i noticed a ton of errors with incorrect and false information. Also please note that I checked the source and my data was affected by the Equifax data breach as well as the XXXX XXXX data breach. Which is extremely unfortunate for me. Those breach 's have caused false account attempts ( inquires ) false addresses and even as far as accounts that do not belong to me that were open. On XXXX i sent a letter out to the said consumer reporting agency Equifax and as of todays dates XXXX i have not received a response from them. in my letter i did inform them of the false and negative information and how with my credit report not reporting XXXX percent correct as it is supposed to that they have violated me as a consumer which also means that the consumer reporting agency has civil liability for willful non compliance. i understand that it is the CFPB place to govern them. Please get on Equifax with doing the duty of completing the investigation within the allotted time of 30 days. I am also aware that if a investigation has not been completed in the allotted time then the items must be removed from the consumers credit report. 
the item by XXXX XXXX XXXX, that is not even mine not only is it not mine but it is reporting as an open collection, which a collection account can not be open, also again i have never did business with this said company of XXXX XXXX XXXX  the, account information is inaccurate and not reporting XXXX percent correct. there is not even an account number and please do not respond to say that is for the person or the consumer safety because nowhere in the book or law does it state that is to be what it states is to have the full information of an account, report it XXXX correct. 
another collection item is listed on my credit report as Medical, that doesn't belong to me, I have never did business with said company and of my knowledge medical collections are a violation and can not report on a consumers or credit report this account is clearly stating boldly that it is a medical item and that it is a collection item ; also there are 3 other items on my credit report one with XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX that are reporting incorrect payments amounts, payment status which is a billing error, payments were paid as agreed on time which is a billing error violation with inaccurate reporting information. 
I have attached the letter that i have sent to them along with my drivers license to prove who i am as well as a statement to verify me at my address. and Per my usps search the documents have been received.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you check the documents? Some accounts are inaccurately reported, including wrong amounts and dates.
Product: Credit card or prepaid card

I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account ending XXXX as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account, as consumer will not be held responsible for any mistake by the institution or merchants. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the unauthorized charge to be resolved. Please provide the bill of sale, authorization of charges within 5 business days period. Unable to comply with request determined the unauthorized charges to be void. 
*Under Fair Credit Billing Act ( FCBA ) it is mandatory to comply with disputed request of 161.Correction of billing errors, 165.Treatment of credit balance, 166.Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor. 
170.Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses.