23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX I was given a Perkins Loan for {$3000.00} which I paid {$1400.00} of while it was deferred during my doctoral program. The loan balance was transferred from Campus Partners ( whom I had paid previously ) to the Department of Education ECSI Federal Perkins Loan Servicer in XX/XX/XXXX ( according to a phone call I had with an ECSI employee on XX/XX/XXXX ). I attempted to track down information for repayment around the time of my graduation ( XX/XX/XXXX ) and saw Dep of ED/ECSI Federal Perkins Loan Servicer '' listed as the servicer, but I was unable to find any account or repayment information and the website link on the studentaid.gov site went to an invalid website ( see attachments ). I thus waited for someone to contact me about this but was never contacted by my former school, Campus Partners, ECSI, DOE Default Resolution Group nor the collections agency assisting them, regarding methods for repayment. I have since learned that ECSI and the subsequent servicer ( Department of Education Default Resolution Group ) had an address on file in a state in which I have never lived ( Maine ) and no email address. In XX/XX/XXXX I had my credit checked while attempting to purchase a home and was notified of a defaulted loan and given the contact information for ECSI to resolve the problem. I learned that my loan was now being managed by a collections agency ( XXXX  XXXX XXXX ) and the Department of Education Default Resolution Group. I paid it off immediately and my account was closed in XX/XX/XXXX ( see attached letter from DOE ). According to a phone call with ECSI on XX/XX/XXXX, my first payment was due to ECSI on XX/XX/XXXX, and they confirmed an incorrect address in Maine. They also stated that they made the report to the credit bureaus regarding my defaulted loan, which has lowered my credit score by 100 points  and significantly impaired my ability to buy a home. I would like the Department of Education/ECSI and/or the Default Resolutions Group to remove this XX/XX/XXXX and XX/XX/XXXX marks from my credit report ASAP, as I made every effort to fulfill the terms of my loan and repay in a timely fashion, but was unable to identify the servicer until my loan was already in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 an alleged fraud or extortion. 
XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

I processed and received a prepaid VISA card from XXXX  sometime after XXXX. The amount should have been {$70.00}. 

I went to activate the card and can not because the expiration date is already passed XX/XX/2021. According to PA law, an expiration date of less than a year from issue is illegal. 

XXXX XXXX XXXXXXXXand-XXXX XXXX : ~ : text=The % XXXX % XXXX % XXXX % XXXX, for % XXXX % XXXX % 2012 % XXXX. 

I called MyXXXX the company who issued the VISA and they state that I can not be reissued a new card. The money on the card is forfeit and I have no recourse to fix the situation. When I stated that the law and their policies are at odds, the woman scoffed at me on the phone and said there's nothing they can do. 

I've attached a copy of the invoice I submitted to verify the purchase date that went along with the rebate. Assume most of these cards take 6-8 weeks to process and be shipped, the card had maybe a 9 months before it expired. 

I'd like to know how to get my money back or warn others not to trust this company 's cards as they will rob you blind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian are reporting a XXXX  XXXX XXXX   account ( XXXX ) and a XXXX XXXX XXXX  account ( XXXX ) on my report as a negative item with no Data reporting at all on the account. I have asked these bureaus investigate and thereby to report accurately as required by the FCRA or delete the inaccurate information and they have returned letters to me saying that they have updated the account status and that the data furnisher has reported this information as accurate and as belonging to me. 
Well how can XXXX, XXXX  and Experian honestly tell me this information with no data reporting for any period and reporting to an address that does not belong to me - be accurate and how can this information be reporting verified as belonging to me? what method have they done to do this inaccurate verification? I would like to know what basis they verified this information as accurate. The answer is that they have not done their due diligence in investigating these inaccurate items as they are required to do so per FCRA. I must now require immediate deletion of this data which is severely affecting my credit profile and score.
Product: Credit reporting or other personal consumer reports

Over the last 7 months, I have been disputing the inaccurate information on my credit report with the CRA 's ( XXXX, Experian and XXXX ). They are in violation of these consumer laws : Under 15 USC 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 USC 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 promptly notify the furnisher that the information has been modified or deleted from the consumers file. 


ACCOUNT NAME : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, 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 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 months that are reported late 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. 


XXXX XXXX XXXX, 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

I have sent countless letters to Equifax and have filed countless complaints with the Consumer Financial Protection Bureau ( CFPB ) in regards to the following fraudulent and unauthorized hard inquiries listed on my Equifax credit report : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, CXXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. Equifax keep sending me letters and tell the CFPB they have deleted the fraudulent and unauthorized inquiries from my credit report, but the fraudulent hard inquiries is still currently listed and showing on my Equifax credit report and my XXXX XXXX account. I want Equifax to immediately delete and remove the fraudulent hard inquiries from my Equifax credit report and send me an updated copy of my Equifax credit report informing me that the fraudulent hard inquiries have been deleted and removed from my Equifax credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I check my credit religiously meaning daily. My Experian credit score dropped XXXX points on XX/XX/2023 when there were NO changes to my credit report. IT'LL USUALLY TELL YOU THE CHANGES THIS TIME THERE WE'RE NONE. When I say NO changes I mean NOT ONE. No added credit nothing was deleted my balances didn't decrease OR increase. No inquiries in over a year absolutely nothing happened. I think your system is glitching. I need you to restore my points ASAP. 
I spoke to XXXX on XX/XX/2023 who verified there were NO changes to my account he also spoke w a Supervisor neither of them could figure out why my score just dropped XXXX points when nothing was even reported. He created a case and assured me on the call that my points would be restored. Experian case # XXXX.
Product: Debt collection

I wasn't notified about them taking me to court the 1st time which was XX/XX/year> now they served a member of my family which was not me. I tried to make arrangements with them and they refused to work with me on the amount I could afford to pay. He also went into personal info and credit report telling me I could pay more I just didn't want to. He disclosed all my financial info then stated they were appointing a person to ( receiver ) to go into my accounts or make me sell my items to pay th in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not have authorization nor permission to access my credit report. They had mentioned the inquiry would be removed but it is still on Transunion credit report.
Product: Money transfer, virtual currency, or money service

I've asked PayPal to delete my account through the customer portal. And the account was frozen despite having very little to no funds. The only way to unfreeze the account was to speak to a PayPal customer representative. The customer representative stated that an identification such as Driver License or a Passport is required to delete the account. I tried to reason with the representative stating that I had an authorized phone number and email address and that the account did not have much funds if any at all. But the representative still insisted on a valid identification and making it as difficult as possible to delete the account. 

The account has never been used maliciously in the past, so arbitrarily freezing the account and requiring an identification such as a Driver License and Passport to continue using it violates the end users privacy. An identification should not be required to close an account holding less than {$10.00} and has no pending transactions. 

This is clearly an attempt by PayPal to bring in and retain end users on the platform. Something similar occurred with XXXX XXXX creating fake credit card without the end users consent. And XXXX XXXX made it very difficult for the end user to remove those credit cards off their accounts. However, they were eventually prosecuted and fined by the government. I hope that you handle this matter accordingly based off past precedents.
Product: Vehicle loan or lease

I wanted to change which bank account VW Credit billed for my car lease. According to their website, the way to do this is to cancel and reinstate auto payment. On XX/XX/XXXX, I cancelled my auto payment on their website. The website informed me that I would not be charged for my typical auto payment on XX/XX/XXXX and that I would need to make a one-time payment to meet that due date. As such, I immediately scheduled a one-time payment of {$820.00} to be charged from the new bank account on XX/XX/XXXX. 

On XX/XX/XXXX, I found that VW Credit had charged both of my banks for {$820.00}, each, resulting in a total of {$1600.00} being charged. I called VW Credit to demand that they refund one of the charges of {$820.00}. The representative, XXXX, told me that their refund process took 20 days and so I may as well let them keep the money. I insisted that XXXX initiate the refund process anyways. 

20 days is a ridiculous amount of time for VW Credit to hold on to money that they charged based on a false pretense, and particularly such a large sum. Their behavior leads one to believe that this isn't merely a mistake, but a deliberate, fraudulent scheme, with elements designed to discourage consumers from seeking redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies Transunion, XXXXXXXX XXXXXXXX XXXX and XXXX have been reporting a charge off on my consumers report which is illegal and innacurate because a charge off is considered cancelled debt and the IRS considered cancelled debt as gross income. Income can not be reported on a consumers report. This is libel defemation, these consumer reporting agencies are reporting something that is not supposed to be on a consumers report so other parties can see. This can cause financial and emotional damage. Other parties seeing this can question my financial responsibility off of something thats not suppose to be reported. 

Income isnt suppose to be reported on a consumers report and also consumer reporting agencies must follow FRCA and FRCA 15USC 1681 states for a consumer reporting agency to furnish something on my report they need my written permission. I never sent a written permission stating I wanted this reported. The consumer reporting agencies are reporting inaccurate information which is reporting income on a consumers report when in fact its not supposed to be reported occurring to the IRS, furnished something that I never gave written perrmisission /consent on. Envaded my privacy. According to the laws that these consumer reporting agencies broke, they defamed me. They are reporting information so third parties can see and see a wrong impression which will ruin my reputation question my financial responsibility, this will cause financial and emotional stress.
Product: Checking or savings account

XX/XX/year> XXXX bank allowed a transfer of {$30000.00} to XXXXidenty investments thru ACH tyhis was not authorize by me. after talking to fid bkg svc llc i was informed that the funds were transfered into a coount and then removed and that the info from customer had a diffferent mailing address and different phone number. this was ID thief. 
US bank did nothning to protect my funds being transfer without checking that this was authorize transfer of funds
Product: Checking or savings account

Bank of America denied my dispute of XXXX I had some fraud happen on my account and they said Im responsible for it! I didnt authorize any of this transaction and they woudnt give me a reason why it was denied. And they were extremely rude on the phone and didnt even seem to care and one of the employee told me to shut up and hung up! This is crazy worst bank I want my money back and I will be switching bank
Product: Debt collection

To Whom It May Concern : I would appreciate your assistance in investigating this manner within the next 30 days. As required by the FCRA, if you fail to do so all aforementioned information/disputed items must be deleted from report. Account CCB/ XXXX account number XXXX your company has failed to present any date on the account but yet your company is reporting that the account is in collection/ charge off debt purchased by another lender. There seems to be some discrepancy in the last active XXXX reports it on XX/XX/XXXX but XXXX is reporting the last date of activity was XX/XX/XXXX. Which is confusing because your also reporting the last date of payment was in XX/XX/XXXX on an account that has been open since XXXX. 
I've tried to reach out the the creditor but as of XX/XX/XXXX XXXX filed for XXXX  XXXX bankruptcy. To resolve this issue. If you do not initiate an investigation regarding the mater under the fair credit reporting act I will have to take legal action to protect my credit rating which I'm owed up to XXXX dollars. 

In addition please send me an updated credit report reflection these changes have been made. I look forward to an expedient resolution of this matter.
Product: Credit reporting or other personal consumer reports

I'm writing to discuss a problem I found on my credit report. It says condition of account is either closed or unknown. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof that I was late? If you can't, I need you to fix the mistake and say I paid on time. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have 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 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states 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 calls to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX associates never provided me with any sort of documentation indicating this account belongs to me neither did they provide me with documentation containing my signature nevertheless Experian continues to report that account as a collection on my credit report. 


I do not have any responsibility for the debt being reported to my credit report, please remove this information immediately.
Product: Debt collection

XX/XX/2019 CCA Group called my sister and told her I had multiple bounced checks. That they will file charges very soon if they did not get in contact with me.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found this item to be inaccurate. 
Please delete all the late payments from this account. My account has never been late.

This is my 2nd attempt to get this item updated on my credit report. Please send me a copy of the investigation completed with my original contract for this company. If you are not able to send my original contract, then delete any, and all late payments. If my file is not updated, you will be in violation of the FCRA as follows.

Under 12 U.S. Code 1681a ( 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 it, 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 results of the reinvestigation, and ( a ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX