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

Upon viewing a possible credit report associated with a tax identification number of which I am the authorized representative I noticed a myriad of inquiries and one revolving credit account. This information is being shared by any or all of the three credit bureaus namely Experian, XXXX  and XXXX. TheFair Credit Reporting Actgives an authorized representative the right to dispute information they believe to be incorrect or unverifiable. Credit reporting agencies are responsible for removing any disputed information that cant be verified or confirmed. Theyre also obligated to provide a description of the dispute process if you request it in writing. I have seen that these agencies are reporting information without my authorization or my knowledge. This is complaint is a formal request toward the three credit reporting agencies to make available the document authorizing them to make this information public. In an age with identity theft, artificial intelligence, robocalling and robo-signing, how can we be certain that a man or woman is authorizing any action taken in this digital world. Please make available any and all documents with a wet ink signature demonstrating an authorized user has given consent to any and all information made available on the credit profile associated with the corresponding tax identification number. If any and/or all of the reporting agencies can not provide this then I demand the information be removed as I am the the authorized representative of the corresponding tax identification number and my wet ink signature is provided along with this complaint. Furthermore, if the document being provided by me, the authorized user, is the evidence being used to support the veracity of the information that does not serve as valid proof as the information was reported before my complaint was filed.
Product: Credit card or prepaid card

An auto payment of XXXX was processed by the American Express on XX/XX/XXXX ( 10 days before due. Somehow I set it that way because there was no option saying " pay on due day ''. It just allow you to setup autopay on 1-25 days after statement day. And no one was telling me due day is how many days after statement day ). However I did not have enough fund in the checking account it was withdrawing from. I haven't used this card or a long time and I total forgot the auto payment setting and I was planning to pay it before due. ( I scheduled a payment of XXXX on XX/XX/XXXX ) So I called American Express to stop the payment to avoid the overdrafting fee or returned payment fee. Amex said they could not stop it because it was all automatically processed plus it will make three attempts to withdraw the fund. I saw on my checking account that the withdraw was rejected and there was a XXXX  dollar return fee charge. Then on XX/XX/XXXX ( today ) Amex made another withdrawn request and I think it will be rejected and there is gon na be another XXXX  charge fee from my checking account. So I called Amex and asked them to stop the payment and I was told it can not be stopped and there will be another attempt on XX/XX/XXXXor XXXX   if this was rejected again. What I don't understand is that if there is no enough fund in the account why Amex kept trying it and for 3 times? It usually takes more than 3 days to transfer from banks to banks and sometimes if the amount is large it can take 5 days. Because of the setting of Amex I will be charged total of XXXX  dollars from XXXX XXXX ( my checking account ) which is unnecessary at least for the last 2 times. Further I don't know if Amex will charge me returned payment fee for 3 times. I already saw one of XXXX  dollars for the first attempt. there will probably 2 more. I feel like being ripped of by amex. I don't understand why Amex can not stop the autopay and why do they set it that way ( 3 times? Is that necessary )
Product: Debt collection

CBE Group is harassing me with continued phone calls twice a day or more. I do not owe any debts to anyone. they continue to call. I have called them and they continue to harass me.
Product: Credit card or prepaid card

I have two unused XXXX XXXX gift cards which show XXXX balance bought from paypal_digital_gifts on XX/XX/2017, could you help me check this case? I suspect my gift cards ' information was leaked by paypal. 


Dates : XX/XX/2017 amounts : two {$150.00} XXXX XXXX Gift Card Actions : I contacted with paypal digital service and XXXX XXXX digital channel support, got the reply about " Unfortunately we are unable to assist with inquiries of this nature as we do not have access to end user information. ''
Product: Credit reporting or other personal consumer reports

I have thoroughly reviewed my records and can confirm that I did not authorize this inquiry. Therefore, I respectfully request that it be promptly removed from my credit report.
Product: Credit reporting or other personal consumer reports

1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, Experian used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA.

The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered.

2. Failure to Address 1099-C Non-Issuance by a Collection Agency : XXXX XXXX 3. XXXXXXXX XXXX 4. XXXX XXXX XXXXXXXX 5. USDOEXXXX XXXX Recently Added 6. DP OF EDUC XXXX Recently Added 7. DP OF EDUC XXXX Recently Added 8. XXXX XXXX XXXX XXXX Recently Added 9. Despite my dispute, Experian, XXXX, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations.

Key Violations : 1. Failure to Conduct a Reasonable Investigation : o Experian violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested.

o The use of E-Oscar resulted in an inadequate and incomplete investigation.

2. Failure to Provide Details of Investigation : o Experian failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o Experian, XXXX, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Credit Bureau regarding XXXX XXXX XXXX which is listed on my credit report. I sent certified letters. They have failed to abide by the Fair Reporting Act in providing me with the verification information that was used to verify my dispute.
Product: Credit reporting or other personal consumer reports

TransUnion continues to report a bankruptcy record that has been discharged and closed, as confirmed by official documents from the XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX in the XXXX XXXXXXXX XXXX XXXX XXXX ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), for failing to ensure the accuracy of consumer reports.

Additionally, TransUnion has failed to verify this bankruptcy directly with the court, instead relying on third-party vendors such as XXXX and XXXX, which do not meet the reasonable verification standards required under 15 U.S.C. 1681i ( a ). This inaccurate reporting has caused financial harm, affecting my ability to obtain credit under fair conditions.
Product: Credit card

This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.
Product: Student loan

I have received an email that the borrowers defense would apply to me. While waiting for that to take effect, my loan was transferred from great lakes to nelnet. My balance was approximately {$6300.00} ( I have proof ). A few days ago I was looking to see if it has gone through yet, and my balance is now {$9500.00}. There is no record of why or where that came from, it just appeared. And now it is accruing interest and says I have to begin payments.
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 168b permissible purposes of consumer reports. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Vehicle loan or lease

I paid off my car loan with Fifth Third Bank back in XXXX. As of today, XX/XX/XXXX, I have yet to receive a title. 

When I realized a few years ago I was not in procession of a title, I called Fifth Third Bank to ask about it. The notified me the release was sent to the DMV and I could request a duplicate title, so thats exactly what I did. In XX/XX/XXXX, I sent in the CA DMV form requesting a duplicate title along with the {$22.00} fee. CA DMV returned the form and check notifying me the lien had not been released by Fifth Third. 
I then called Fifth Third Bank notifying them of the problem, and they said the release was sent to Virginia, where the vehicle was previously registered from XX/XX/XXXX XX/XX/XXXX and to contact Virginia. I called the Virginia DMV, and they had no record of the release either. 

I became frustrated and let it go until early XX/XX/XXXX. I called Fifth Third Bank again, explained the prior scenarios and they said a state-to-state transfer from VA to CA must be completed with their third party title provider. I was transferred to this third party, and the third party notified me the release was sent to Connecticut where the vehicle was registered from date of purchase in XX/XX/XXXX to XX/XX/XXXX and to contact CT for the title. I then called the CT DMV ; they did not have record of the release either. After calling the CT DMV, I tried the VA DMV again to double check if they had record of anything, and still nothing. The VA DMV said they needed to receive a release from the bank to issue a title. I called Fifth Third Bank again, and a gentleman told me he would re-submit a release to VA and I should give it 10 business days to get a title from VA. I confirmed VA had my current address, but have not received the title as of today, XX/XX/XXXX. 

I called back Fifth Third bank XX/XX/XXXX where I explained the scenario and told them I just need a title from somewhere to sell my vehicle in the next 30 days. Fifth Third again referred me to their third party, the third party refereed me to CT, and back to Fifth Third again when I told them CT had no record of the release. I am going in circles with Fifth Third Bank. Fifth Third should have record the car was registered in CA since XX/XX/XXXX, notified CA the loan was paid in full and to release the title to me in XXXX. I need to sell my vehicle by mid-XX/XX/XXXX and can not do so without a title.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 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 inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately :
Product: Student loan

Upon logging into my FedLoan Servicing portal on XX/XX/XXXX, there was a statement which reads " Income-Driven Repayment ( IDR ) Expired We received your IDR request.At this point, we will notify you if your request is put on hold or if any additonal documentation is needed.At this point, we will notify you of the outcome of your IDR request. We received your application for an IDR plan 90 days ago. We needed additional information from you to fully process your request. Since it has been 3 months, your request has expired. We did not get all of the documentation to process your recertification request, therefore your payment amount may have increased. '' I did not file an application for an IDR plan exactly 90 days ago. My last IDR application was made in early XXXX and approved on XX/XX/XXXX for payments through XX/XX/XXXX. As such, my IDR plan under PAYE should still be valid. At this point in time, I intend to remain under the CARES Act/Presidential executive order COVID-related payment suspensions and while I do not intend to make payments now as a result, should the COVID-related payment suspensions end ( which is currently scheduled for XX/XX/XXXX ), I should be entitled to make payments of {$220.00} per month through XX/XX/XXXX ( instead of payments of XXXX per month as if I had no valid IDR application ). 

As such, based on the current regulations, I should be entitled to pay the following : XX/XX/XXXX - {$0.00} ( CARES Act COVID-related payment suspension ) XX/XX/XXXX - {$0.00} ( COVID-related payment suspension in accordance with Presidential Memorandum ) XX/XX/XXXX - {$0.00} ( COVID-related payment suspension in accordance with Presidential Memorandum ) XX/XX/XXXX - {$0.00} ( COVID-related payment suspension in accordance with Presidential Memorandum ) XX/XX/XXXX - {$220.00} ( if COVID-related payment suspension is not extended ) XX/XX/XXXX - {$220.00} ( if COVID-related payment suspension is not extended ) XX/XX/XXXX - {$220.00} ( if COVID-related payment suspension is not extended ) XX/XX/XXXX - {$220.00} ( if COVID-related payment suspension is not extended ) Additionally, given that I am currently on a PAYE IDR plan and the CARES Act and Presidential Memorandum currently allow for COVID-related payment suspensions to count towards PSLF, should my ECFs reflect that I continue to remain employed through XX/XX/XXXX at an eligible employer, all months between XX/XX/XXXX and XX/XX/XXXX should count towards PSLF while on COVID-related payment suspensions once my updated ECF is submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report online. There was a U. S. Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.My inquiry to the U. S. Bankruptcy Courts confirmed the credit bureau has never validated or verified these public record entries on my credit report, nor will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need my bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.The Credit Bureau need to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ) .Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against you. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: 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 any 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 .... Balance : {$12000.00} ; XXXX XXXX XXXXXXXX XXXX. Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alerts today from the three credit bureaus ( Experian, XXXX, and XXXX ) that there were two credit inquiries on my credit report which I didn't authorize. 

As a victim of identity theft I want the credit inquiries removed from my credit reports. I called XXXX XXXX  and XXXX XXXX XXXX  and they told me to contact the credit bureaus to remove the credit inquiries. I contacted the credit bureaus but they were not helpful.
Product: Debt collection

Ive requested validation and proof of this debt in the passed and was yall just recently closed my complaint because I didnt show proof of my account but here is a copy of the accounts on my credit report.