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

XX/XX/2022 XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 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
Product: Student loan

Navient is a predatory lender. I was scammed into taking out loans with Sallie Mae now Navient to attend the art institute of California XXXX XXXX from XXXX to XXXX. XXXX and sallie Mae/Navient preyed on student that didnt know any better. The debt that Navient put myself and other students in was intentional on their part, they knew we would never be able to pay it back. Navient never would offer any kind income based repayment plans until they got in trouble recently and then they forgave loans only for people who were NOT paying on there loans. The people who were paying their loans got nothing. During recruitment at school I was told my loans would be about {$300.00} a month. But when I started having to pay them they were {$1200.00} a month. {$1200.00} a mo for a freshly graduated college student that cant get a job in the field of study because the school is a joke. I paid {$1200.00} a month from XXXX to XXXX and no dent has been made on paying it down.
Product: Checking or savings account

On XX/XX/XXXX I closed my account with US Bank at the XXXX XXXX branch in XXXX, Ohio. There were four pending transactions which I stopped payment on. The bank was to return the money that would have been paid on, but to date they have not returned the money which totalled {$540.00}. Since then my employer forwarded my direct deposit to this closed account on XX/XX/XXXX. They failed to inform my employer that the account had been closed and now my employer is trying to find where the money is at. It was not returned to their bank so they have put a tracer on it trying to find where the check got off to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

I was contacted by phone from COLUMBIA DEBT RECOVERY LLC DBA GENESIS in XXXX about a rental debt. I asked for them to email me everything so I could look over it. I expressed some concerns about the validity of some of the charges over the phone. They then send me an email on XX/XX/2023 and I responded with questions about it that same day but received no response. Fast forward to today when I was looking at my credit score and I saw a derogatory mark on my report from them. They never responded to my initial request so I was caught off guard. I have collected proof that some of the charges should not have been included which are pictures of the rental property which was " damaged '' and emails which include a fee for lost keys which was returned as well as emails from the property that showed that I moved out but was charged for various fees after that date. I hope to get this mark taken off my credit report and for the debt amount to be adjusted. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts reporting on my credit profile that I have never opened not provided my permission to obtain these accounts
Product: Debt collection

** [ XXXX XXXX XXXX ] ** [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Florida XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] ** [ JPMCB CARD SERVICES ] ** [ XXXX XXXX XXXX ] [ XXXX, DE, XXXX ] Subject : **Dispute of Unauthorized Reporting and Request for Immediate Removal** Dear Sir/Madam, I am writing to formally dispute the inclusion of certain information in my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referencing **15 U.S.C. 1681b**. 

I have reviewed my credit report and noticed that certain information has been reported by your agency. I believe this information is inaccurate, and I have not authorized, nor given written consent, to any party to furnish or obtain my personal information from your bureau.

As per **15 U.S.C. 1681b**, a consumer reporting agency may only disclose information from a consumers file if it is for a permissible purpose, such as for credit transactions initiated by the consumer, or with the consumer 's written consent. I have not provided written consent for the reporting or furnishing of my information to any third parties. 

I request that you immediately investigate this matter, and remove any inaccurate or unauthorized information from my credit file that was provided without my consent. Please provide me with a written response detailing your findings of this dispute, as well as the actions taken to correct the information. 

In accordance with the FCRA, I request that this matter be resolved within 30 days of receipt of this letter. Please send me a copy of the updated credit report once the dispute has been resolved. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit card or prepaid card

I direct deposit {$400.00} dollars to this card biweekly. On XX/XX/20 I initiated an internal transfer to another account and the funds were removed from my account however the one transfer of {$70.00} turned into 4 transfers with the same amount totaling {$280.00}. Additionally the money is in limbo hung in the system. I can not cancel these transactions that I never authorized nor can the receiver cancel or accept. I called bluebird about 5 times between XXXX XXXX and XXXX XXXX and they never offered a resolution or an eta when my funds would be released. They refused to assist me and told me its a known probably and there is nothing they can do at the time their IT department is working on it. It is now nearly 24 hours later, 1 week before XXXX during a pandemic and still no access to my funds. The company didn't even have the decency to send out a communication to its customers. I need help and am trying every avenue. I do not recommend doing business with a company who doesn't even care enough to alert its customers to known issues. Others could at this moment be making transfers Bluebird knows will fail and delay their funds for an unknown amount of time and they have not sent out any communications to prevent this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint in response to the recent investigation regarding my credit report. I would like to express my disagreement with the findings and emphasize the importance of ensuring complete accuracy in credit reporting. It is my concern that the investigation did not thoroughly address the matter of contacting the creditors and agencies responsible for the information on my report. As a result, I am reaching out to the Credit Bureaus for further clarification on the following items in question, specifically regarding the accountXXXX XXXX XXXX XXXX Balance : {$0.00} I need the Credit Bureaus to address the presence of charge-off account on my credit file that is still being reported despite having a XXXX balance. This account have been fully paid off, and I am formally requesting the Credit Bureaus ' investigation into this matter. The continued charge-off status is adversely affecting my credit score, and its removal would be greatly appreciated. I would like to draw attention to the fact that the company agreed to remove the account in question once it was paid off. I kindly request that the Credit Bureaus honor this agreement and take the necessary steps to remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to express my issues with Zelle 's handling of their disputes. 
prior to CFPB 's lawsuit, I was an avid user of Zelle. 
However, despite being a loyal user of the platform, I did run into some issues that caused me an immense amount of issues. 

out of one of them which was a large sum that was taken out of my account without my authorization. 
when I had confronted Zelle about this issue, they told me there was nothing that can be done. In addition my XXXX XXXX  XXXX XXXX, also could not recover the funds. 
I did not personally authorize this transaction and I caught it within an hour of the transaction taking place, but even within a short span of time, they told me it was impossible to recover the lost funds. 

I am aware that CFPB is highlighting the fact that Zelle could not protect their consumers/ that they allow repeat offenses occur which leave many users vulnerable to scams and being taken advantage of. That is why I am happy to see that there is someone advocating for us. 

I am highly unsatisfied with the way Zelle and XXXX XXXX XXXXXXXX handled my case. 
I just wish to get back my money that was never authorized to leave in the first place. 
I also wanted to add on that my reciepts only date back to 3 months ago but this issue took place last year and a little prior, I am unable to attatch a reciept but I will be submitting my zelle account and also announce that due to this platform, i lost over hundreds of dollars with no security. 
all of it gone and no protection of the customer who has been loyal for years
Product: Debt collection

XXXX contacted me regarding a debt owed to Kohls credit card by capital one. 
The amount was full of fees and other collection charges. We agreed on a amount to settle the account and agreed they would mark the account as closed on my credit. They sent a Written notification and I responded back with a check in the amount and the notification that cashing the check adheres to the agreement to my credit. Kohls cashed the check and then now reported as major derogatory/ charge off. I would have been better off not accepting the offer of full Settlement. XXXX, Kohls, and Capital One have violated the agreement.

See attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting a method of verification for the bankruptcy listed on my report since XX/XX/2021. I haven't received a valid response all I have received is a generic letter each time. I have sent the same letter to the other 2 bureaus as well XXXX deleted the bankruptcy off of my report. I am still waiting on a response from XXXX. I have also requested them to correct my name because it is incorrect. I also have attached the last letter that was sent to TransUnion.
Product: Student loan

XXXXXXXX XXXX is one of the schools named in the XXXXXXXX XXXX XXXXXXXX suit. I attended XXXX and used Navient ( formerly XXXX XXXX ) private loans while attending XXXX. I recently applied for discharge of these loans based on school misconduct and Navient denied my application with no specific details on why I do not meet the requirements of discharge based on misconduct of XXXXXXXX XXXX 

I also believe that one of my private loans was misdated to outside my attendance at XXXX, resulting in this particular loan as ineligible for the school misconduct discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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.

I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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.

I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Debt collection

I attempted to make a purchase of {$87.00} using pay pal credit. The Purchase was denied. The vendor accessed the PayPal system and attempted to make the withdrawal directly from my bank account when the PayPal credit Icon was selected. purchase. The Bank XXXX XXXX XXXX ) denied the transaction because the vendor did not have any authorization or proof of a purchase on a XXXX XXXX account.. 

After the failed identity theft attempt, Pay Pal, Rather than place the purchase of the vendor 's item on the original purchase platform offered by PayPal credit and accepted by me and allow 6 months for payment, PayPal took over the purchase and sought immediate payment prior to the 6 month contract that was agreed to prior to purchasing the vender 's service. 

PayPal has initiated collections activity prior to the 6 months that the PayPal credit agreement terms which I agreed to prior to the purchase. 

PayPal refuses to add the {$87.00} purchase on the PayPal credit account and wait for the payment. This is false advertising and identity theft by the vendor to access the bank account and trigger the shift the purchase from PayPal credit to PayPal.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XXXX  and XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt. 

The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2017. 
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$1300.00} from XXXX or XXXX Bank are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and reportability of this listing. 

I also sent XXXX  and XXXX  asking them to validate this debt. No information was provided back to me from XXXX  or XXXX  that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation. 

FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX, Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fcra once an account are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX  balance and no longer have a past due amount this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX. If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. 

LVNV Funding LLC # xxxxxxxxxxxx XXXX has a past due amount listed on the account with all 3 credit bureaus which is incorrect reporting please see proof of inaccuracies in the photos I have included They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer 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 1681 section 602 A. States I have the right to privacy.

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: Credit reporting or other personal consumer reports

I am filing this complaint to address multiple credit report inaccuracies and instances of potential identity theft. Unverified Debt and Lack of Proper Documentation : I have noticed a credit card account reported by XXXX XXXX  that has been charged off. Despite this action, I never received a 1099-C form for the alleged cancellation of debt as required under IRS regulations . I request that XXXX XXXX provide a copy of the 1099-C form if this debt was indeed canceled. Otherwise, this account should be removed from my report for non-compliance with reporting requirements. Unauthorized Collections Accounts : The following collections accounts have appeared on my credit report, which I believe are fraudulent and not my responsibility : XXXX XXXX {$5000.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX {$3700.00} ( Original Creditor : XXXX ) XXXX {$3400.00} XXXX XXXX  {$300.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} ( Original Creditor : XXXX XXXX ) These accounts have not been validated with proper contractual agreements showing I owe these debts. Under the Fair Debt Collection Practices Act ( FDCPA ), these should be removed if validation is not provided. Unauthorized Hard Inquiries : My report includes several hard inquiries that I did not authorize. The following inquiries are listed : XXXX ( multiple inquiries between XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization, and these entries violate my rights as a consumer. Victim of the Equifax Data Breach : I was affected by the Equifax data breach, which exposed my personal information. As a result, I am at increased risk of identity theft. The fraudulent activity on my report may be linked to this breach, and I have taken the recommended step of filing an identity theft report. This report should be considered as evidence that fraudulent accounts and inquiries may have been opened without my knowledge or consent. Requested Resolution : I request that : All unauthorized inquiries be removed from my report. Any collections accounts without proper debt validation or contractual agreements demonstrating my liability be deleted immediately. The charged-off XXXX XXXX account be reviewed for compliance with tax reporting requirements, and I be provided with a 1099-C form if applicable. Otherwise, this account should be removed for non-compliance. I ask that all actions be taken in accordance with my rights under the FCRA and FDCPA, ensuring my credit report is accurate and free from fraudulent activity.