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

XXXX XXXX XXXX XXXX, a financial institution and furnisher of information, along with EXPERIAN, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX XXXX XXXX and EXPERIAN being willfully noncompliant with the proceeding federal regulations. 

XXXX2 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " 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. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX and EXPERIAN do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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 and EXPERIAN are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX XXXX XXXX and EXPERIAN have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

XXXX2 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Debt collection

This company is reporting on my credit report that I owe i have never been to this place visited or stayed there I advised the debt collector they sent it to I have no idea who they are or the place only reason I know the place is because rent debt automated collectors advised me and that they have accused me of staying there the woman I spoke with was rude and told me it will stay on my credit because I asked her to email me the fraud packet due to not having a mailing address and hung up on me I have a police report that show I have been a victim of identity theft this is stressful. It shouldnt even be to the point I have to have anything filled out because its not my debt also I want proof that I was there and stayed there as well as any additional information. They say this debt was from XXXX I found out I was a victim of identity theft soon after. Please fix this issue. I have police report and ftc report and I have already reported this to you. I went to the apartment complex they say I dont owe and gave me a ledger of XXXX balance but the rent debt automated collectors willl not remove this debt. They say I have to do a fraud packet but I have provided everything and Im homeless so I have no address to have mail sent
Product: Credit reporting or other personal consumer reports

HELLO. 
Account name XXXX XXXX XXXX Account XXXX HAS REPORTED A CLOSED ACCOUNT OF {$9200.00} ON MY CREDIT. I HAVE BEEN FIGHTING THIS ACCOUNT FOR OVER 7 ( SEVEN ) YEARS. IT SHOULD BE DELETED FROM MY CREDIT HISTORY.

I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I HAVE NO AFFILIATION WITH THIS COMPANY THAT HAVE SOLD MY INFORMATION TO THIS DEBT COLLECTOR. I HAVE CONTACTED THIS CREDITOR REQUESTING VALIDATION AND VERIFICATION AND AS OF TODAY, THERE HAS BEEN NO INFORMATION RECEIVED, FOR SEVEN YEARS. 
PLEASE DELETE THIS ADDRESS FROM MY CREDIT REPORT. 
ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY - THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT - ALL ACCOUNTS YOU POST ON A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. 
I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED BELOW. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE A COPY OF VERIFIABLE PROOF, YOU MUST REMOVE THE ACCOUNTS LISTED. I DEMAND THE FOLLOWING INQUIRES REMOVED IMMEDIATELY. 
IT IS ALSO STATED THAT AFTER SEVEN YEARS, THE ACCOUNT JUST BE REMOVED FROM CREDIT FILE. 

THANK YOU, XXXX XXXX SIGNED AND SEALED IN THE PRESENCE OF : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was sent an offer letter on XXXX XXXX  about employment on my email stating I will be starting tomorrow I checked the links on the email sent to me, and it was crypto.com so it was legit. Moreover in the email it stated to send money for just a background check for verification because it was contract which made sense. But after I paid no response and then I reported to the company their company ignored so on XXXX I message then they responded and they still didnt solve it. Now Im without a job and frustrated and broke.
Product: Checking or savings account

Chase is refusing access to safe box although following all their rules.
Product: Debt collection

I'm not liable for this debt with XXXX XXXX. I do not to have a contract with FirstPoint Collections Resources nor have they provided me with the original contract as requested. FirstPoint Collections Resources is not licensed in the state of Virginia to collect debt as a debt agency.
Product: Student loan

I was working a full time job and decided to start taking classes with money out of my own pockets. I called Navient to see if I could be placed on in school deferment, and was told I could. There was always an issue and I would get calls every once and awhile, but after I explained they would look into my account and would say I should n't have been called and its taken care of. A week before I finished my classes my department at work was outsourced and we were laid off after 6 years. I then called Navient to see were I could go from there and was informed that my particular loan could n't be put on complete deferment and I was suppose to make interest payments. The $ XXXX interest payment seems unduly harsh but I may have been able to struggle it although even while fully employed I still lived check to check scraping bills by, but to be told that I owe 4-5 months in back pay is impossible. This seems unexceptable due to the amount of conversations we had, and their lack of record keeping or knowledge of their systems, for them to not know about the loan they are instructing me on seems ridiculous. I attempted to file a complaint and they said they could do nothing and it was on me, and not their employees who were instructing me. I tried to keep filing more complaints, and was told a manager would call me to address my concerns, none did. I got the calls from the employees who knew nothing of my account just telling me I was past due by 4-5 months. They informed me they would not release to me the recorded calls of our conversation unless I legally got a supoena. This has tanked my credit and has effected me financially, as well as XXXX. When I was employed it was almost impossible to make all my loan payments because and they could n't do anything to lower it, now that my income is unemployment I ca n't pay them anything.
Product: Debt collection

I encountered massive communication issues concerning a debt issued to me by the University XXXX XXXX  at XXXX XXXX. I was charged for a class where I was directly informed by the professor that I was not registered for. My issue started when it appeared as though I had accidentally registered for a class and was having difficulty through the university 's website dropping said class. I immediately communicated with my advisor and asked her for assistance, which she astutely provided. She gave me instructions on how to drop the class and I followed her instructions in which I thought I was successful in accomplishing ( conversation attached ). Nevertheless, because I was new to the system I wanted to make sure that I had successfully dropped the class ; therefore, I contacted the professor through email. She told me that was not registered in either of her classes ( conversation attached ). Months passed and everything seemed to have been solved. I did not receive any calls, emails, voicemails, mail, or notifications concerning the matter. Suddenly, about ten months later, I received a letter in the mail saying I owed the university over XXXX dollars without specification as to what I was being charged for ( Note : I did not receive any notification from XXXX either ). I had no Idea if this was a legitimate letter considering the lack of detail and vagueness of the letter. I had to call the university to receive any information concerning my debt. That was when they told me it was about a class I had registered for and failed. I was shocked considering ten months had passed since I thought the issue had been solved. Afterward, I contacted the university through email asking where I could file a complaint and, again, I received no answer until a letter arrived weeks later with a link to this website ( conversation attached ). How is it fair for me to pay XXXX dollars for a class where there was zero indication of registration till ten months later and where I was directly told by the professor I was not registered for? Why should I suffer academically and financially for the university 's lack of communication?
Product: Credit reporting or other personal consumer reports

The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Accounts names :XX/XX/XXXX XXXX : XXXX XXXX XX/XX/year>XX/XX/XXXXXXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan online, I've made the payments on time every pay period. 
My loan amount was {$1200.00} I've made over 14 payments on {$160.00} and my balance is still {$980.00}.

I was told I would make 12 payments and my loan would be paid off, but its not. I've paid back the loan and more and still no where near close to paying this loan off.

I don't read well so I had the agent to explain my loan documents. If I would have known that I would have to pay 4-5 times that amount I would have declined. 

I'm not trying to no pay what I owe, because I have paid that and more and no where near done. I need help they took advantage of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 2 Capital One credit cards opened under my name. One of them was resolved however I spoke to a XXXX at Corporate office ( XX/XX/2019 ) letting her know that the man who was initially taking care of this account was harassing me and that I no longer wanted this rep to take care of me. I was reassured that he was no longer dealing with my account ending in XXXX. I went to my office ( XX/XX/XXXX ) only to find a letter with his name on it stating that he found no fraud on the act and that the charges belonged to me. After opening the letter, I reached out to XXXX in Corporate office 3 times and as of today XX/XX/XXXX, I have not heard from her. I called another 800 number and was transferred to the man XXXX. I asked him how did he verify that the charges on the account were mine and he could not respond. At that time he proceeded to tell me that the act was still under investigation with someone in the escalations dept. I also asked him why I was receiving statements if the account was still under investigation? He also could not give me an answer. This has already negatively affected my credit one time. This needs to be handled by the Corporate office like I was told.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have attached my FTC report to this complaint as verified. there are multiple student loan accounts that have been placed on my credit profile using my identity, I have never applied for any student loans nor have I ever been late on my payments to XXXX  XXXX XXXX nor XXXX XXXX credit card accounts, nor have I made an inquiry to XXXX XXXX nor XXXX, nor have I owed a debt to XXXX XXXX XXXX. 

I have never lived at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

There is a business debt thats on my credit that should not be on my personal credit. The debt is from XXXX bank from about XXXX years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the documents that I have attached so that you can help me with my problems with bureaus.
Product: Bank account or service

When we opened our accounts with BB & T, we chose to opt out of overdraft protection. On XXXX/XXXX/15, we had XXXX in our account, not enough funds to cover a purchase made to XXXX. BB & T paid for the purchase and charged us an overdraft fee. The charge should have been declined. 

The purchase was paid with the wrong card on file at XXXX. 

BB & T reorders transactions, paying checks last in order to maximize overdraft fees. This system renders the opt out for payment of debit card transaction useless to the consumer. If checks were paid XXXX or in order, then BB & T would have to decline ACH and debit transactions for lack of funds and the consumer would avoid overdraft fees.
Product: Debt collection

I sent the first letter to Portfolio Recovery Associates onXX/XX/2020 asking for them to verify collection accounts that they have on my credit reports. A total of 10 accounts. I want them to send me documentation of a legally binding contract bearing my signature on these collection accounts. I never got a response so I sent a second letter dated XX/XX/2020 and still no response. I'll attach only one copy of each letter that I sent. I will not attach all 10 letters. I will also attach the return receipts from the certified letters that I sent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX the same question for years you refused to answer. You contacted me but I've never done business with you or Owner. Under the FCRA who contacted you a d XXXX on my before and you assumed it was me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked by XXXX AND TRANSUNION CREDIT BUREAUS. Per FCRA segment 605, XXXX AND TRANSUNION Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT AND DO THEY JOB PROPERLY. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX AND TRANSUNION Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX  {$700.00} ; XXXX XXXX XXXX XXXX  {$440.00}.
Product: Credit reporting or other personal consumer reports

This vehicle on account was a total loss in XX/XX/2021. Vehicle was paid off. Never received statements of true balance that needed to be paid after GAP insurance paid the auto loan. XXXX XXXX  has been reporting negative on my credit report since XX/XX/2021. Explained to company, I am not assuming debt however recieved judgement from attorney of balance. Payment was paid in full in the approximate amount of {$750.00} with the agreement the negative reporting be removed. Negative reporting was still on my credit and has a negative impact on my credit score. No monthly payment reporting was updated on the credit report accurately. All my payments are reported late. I requested documentations to show what payments were actually late or due on time and never received anything back from this company. When I called, the representative was very rude and didn't provide help. A few days late, I see a change in the comment under this account as " settled for less amount '' which negatively impacted my credit score.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following inaccurate item reporting error. Transunion has failed to delete the negatively reported debt from my credit profile. XXXX XXXX XXXX. Account # XXXX, for {$10000.00}, is closed and was settled, and taxes was paid via the attached 1099-C for XXXX. 

I have sent Transunion many letters requesting that they investigate this account, which I believe is reported incorrectly. This is a violation of the Fair Credit Reporting Act. 

Under the provisions of the Fair Credit Reporting Act, I would like to ask that this inaccurate account be removed from my credit report as soon as possible. 

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

I am writing in concerns to my credit report which reflects a lot of un authorized and fraudulent accounts. i am a victim of identity theft. Please block and remove all inquires and fraudulent accounts and charges. I would like to have my credit report accurate. Please block these fraudulent information from my credit report, pursuant to section 605B of the fair credit reporting act,.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX, XXXX XXXX , AND XXXX XXXX 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 in to be removed.

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. 

DEPT OF EDUCATIONXXXX, XXXX XXXX , AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$3200.00} XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) XXXX {$0.00} XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX- XXXX ( XXXX ) ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX 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 have disputed over the phone and with a rep, I also have provided ftc reports as well. I have ask for the original documents with signed signatures sent to mailing address and haven't received proof of any kind this act is in violation of my consumer law rights
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my husband & I went to the bank to close on our construction loan and were notified that I was past-due for {$47.00} on a student loan payment from XXXX XXXX College. I had NO idea about this bill as I was never sent a bill in the mail after XX/XX/XXXX and was never contacted about having a balance. This " delinquency '' was reported to the credit bureau by XXXX  XXXX XXXX. 
I first called XXXX XXXX College where they told me that they had changed billing providers and no notification was sent out ( assuming this to be the reason I hadn't received a bill ). I called XXXX  XXXX XXXX and spoke to the manager, XXXX XXXX where it was confirmed that I never got a statement or any late statements from XXXX XXXX XXXX. I told him that I would gladly pay off any balance ( now that I knew it existed ) and that this problem be cleared up and deleted from my credit report by both Experian AND XXXX. XXXX said he would notify both credit bureaus ( as is seen on the attached documents ) to have those delinquencies deleted and removed completely as it was a miscommunication- that was back on XX/XX/XXXX. 
It is now XX/XX/XXXX and I received my credit report in the mall from XXXX and the delinquencies are still showing on my credit report and say they will remain there til XX/XX/XXXX. 
I want any and all elinquincies and negatives completely deleted and removed from my credit report ( like they said they were going to do ) as soon as possible as this has caused a huge mess on my perfect credit and our ability to close on our construction loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The following Creditors have violated my rights : XXXX XXXX XXXX Account no. XXXX, XXXX XXXX  Account no. XXXX, XXXX XXXX  XXXX card Account no. XXXX, XXXX Account XXXX. XXXX, XXXX XXXX Account No. XXXX, XXXX XXXX  XXXX Account XXXX. XXXX, XXXX XXXX account no. XXXX. 
XXXX.S.C 1681 section 602A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumerreporting agency can not furnish a account without my written instructions