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

Dear Sir/Madam, I am writing to formally dispute the accuracy of the information being reported on my credit report by the Department of Education/Aidvantage , Experian XXXX and XXXX XXXX Upon reviewing my credit report, I have discovered numerous discrepancies in the information being reported by all three entities, which is in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681.

The discrepancies include different open dates, varying account balances, and inconsistent monthly payment amounts across all three accounts. Such discrepancies not only undermine the integrity of my credit report but also hinder my ability to make informed financial decisions.

Furthermore, the Department of Education/Aidvantage , Experian, and XXXX are in violation of the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies. Additionally, as the accounts in question are related to educational loans, they are subject to the protections outlined in the Family Educational Rights and Privacy Act ( FERPA ).

Moreover, it is illegal to report transaction history, such as balances and late payments, to a credit report. Such reporting practices are in direct violation of the FCRA and further compound the inaccuracies present on my credit report.

In light of these violations, I hereby demand the immediate removal of these accounts from my credit report. Furthermore, I am exercising my right under 15 USC 6802 to opt out of the reporting of these accounts on my credit report effective immediately.

Additionally, the Department of Education/Aidvantage , Experian, and XXXX are also in violation of 16 CFR 433.2, which ensures that consumers have the right to dispute inaccurate information reported by creditors to credit reporting agencies.

I expect the Department of Education/Aidvantage , Experian, and XXXX to take immediate action to rectify this situation and ensure compliance with the FCRA, the Privacy Act of 1974, FERPA, and 16 CFR 433.2. This includes not only removing the inaccurate information but also ensuring that these accounts are expunged from my credit report and that my opt-out request is honored.

Furthermore, I request a thorough review of the reporting practices of all involved parties to prevent such discrepancies from occurring in the future. It is imperative that accurate and consistent information is provided to credit reporting agencies to safeguard the financial interests of consumers.

Please consider this letter as a formal dispute under the provisions of the FCRA, the Privacy Act of 1974, FERPA, and 16 CFR 433.2. I anticipate a prompt response from the Department of Education/Aidvantage , Experian, and XXXX regarding the actions taken to address this matter. If necessary, I am prepared to escalate this issue to ensure that my rights under these acts are upheld. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased a XXXX XXXX XXXX Order from XXXX in XXXX, Ohio in late XXXX XXXX 2017. It was for a vacation rental in XXXX SC. The amount was for {$570.00} and was sent to an individual. This woman then deposited it into her Wells Fargo account. On the morning that I was to drive to SC I received an email with a screen shot from Wells Fargo stating that the funds were withdrawn from her account because the money order was determined altered / fictitious. My reservation was cancelled and I did not go. 
XXXX claims no responsibility. The woman claims no responsibility ( it seems she did not get her money ). Wells Fargo will not talk to me as it is her account. However I paid XXXX XXXX to investigate this and they said the funds were paid to Wells Fargo. 
I hold Wells Fargo accountable and want my money returned either to me or to XXXX XXXX so they can refund me.
Product: Credit card

Kohls/capital one card. I never asked for this. I was sent a bill that Kohls transferred past purchases to and never authorized. I sent a letter to Kohls/capital one telling them this is fraud. Told them to cancel the card I never asked for. I wanted kohls card only thru kohls like I had before., NOT A CAPITAL ONE CREDIT card. Today I received a new Capital/one credit card and was told to activate ASAP. I do not want this card. I have my own XXXX  card with another company. How can I cancel this without problems with my credit report. I did not authorize this credit card. This was wrong with Kohls doing this! 
XXXX XXXX
Product: Debt collection

I.C. Systems continues to call me and send letters requesting a balance for XXXX XXXX XXXX that I do not owe as it was never set up nor installed. I have a CANCELLATION CONFIRMATION NUMBER FROM XXXX XXXX proving I have a XXXX balance and that an account was never set up. The ACCOUNT CANCELLATION NUMBER GIVEN TO ME BY XXXX XXXX IS : XXXX. I have mailed XXXX letters asking them to cease communication and validate the debt and they are unable to provide me with this information.
Product: Vehicle loan or lease

I purchased the vehicle while attending college back in 2011. I was given an astronomical rate due to being miss informed and a young minority in a desperate situation. After a few years and still attending college I lost my job and was unable to regularly maintain paying my car note. I contacted the creditor and informed them of my situation and they were unconcerned to say the least. I was threatened with late payment and repossession. At XXXXne point my vehicle was physically taken but never repossessed. I payed the owing balance then unknowingly I was credited a second time as if I received a new car when I received the vehicle back. I've disputed the multiple lates and multiple Ally account created due to the misreporting of information. I am hoping to have the closed account to be totally removed from my credit history.
Product: Mortgage

PHH Mortgage Services approved a loan modification for me in XXXXXXXX XXXX XXXX. I sent them all the loan modification documents notarized and they claim to have never received the documents. Also, I spoke to a PHH Mortgage customer service rep over the phone on a recorded line and the rep stated that they received the documents. I filed an appeal and they denied my appeal and now I am facing foreclosure. In reviewing my mortgage statements I see that PHH Mortgage has actually charged me thousands of dollars in expenses over the years. In year XXXX, almost 70 % of my balance owed is expenses. In researching PHH Mortgage I discovered that there are many law suits against PHH Mortgage for highly suspect fraudulent actions against mortgage holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX at XXXX XXXX XXXX reported that my XXXX account was CLOSED ( see page 16 of attached credit report ). However, afterwards, they continued to collect and make negative reports to all three credit bureaus. Isn't this a violation of Fair Credit Reporting Act? They report that my account is CLOSED which signifies they have stopped collecting, but then make negative reports after XX/XX/2021 stating that my payments were late. When I saw the CLOSED XXXX account on my credit bureaus, I reasonably concluded that the account is closed and thus I am not making payments. Any reasonable person would assume this. However, it is unethical, fraudulent, misleading and violating of Fair Credit Reporting Act to continue to make negative late payment reports to a consumer 's account after reporting that the account is closed.
Product: Credit card

I contacted this business and asked that they credit my account {$16.00} and close my account. Per XXXX XXXX XXXX online customer service, my account should be credited 3 to 5 business days. I have attached the chat transcript. My balance should now be XXXX, but this company refuses to credit my account... I have paid all interest charges and the balance left over is from merchandise that I returned that I never received
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.XXXX XXXX XXXX XXXX XXXX has violated my rightsXXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

This company has NEVER sent me anything in writing via USPS or email. They are REPEATEDLY calling my friends and family. They are threatening jail to everyone associated with me that answers their phone. They are abusive bullies spreading my business ( lies ) everywhere they can. Please stop these people. 

Thank you
Product: Checking or savings account

unlawfully garnished the accounts Financial institution for processing illegal, out-of-state garnishment orders against its my bank account. Financial institution unlawfully froze my account, garnished funds, and sent payments to fake creditors based on out-of-state garnishment fake court order. Its a fake order because it was not a judge or real court meaning being recognized by the state constitution. There is not proof that a real court order exist, a real judgement and writ of execution to collect a debt does not exist. All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. Also the program that claimed to be creditors are not listed as debt collectors and not registered with the Secretary of State of Florida to do business or to be able to collect a debt. They did not credit me anything, they have not validated any debt or given any consideration to I. XXXX will not allow a statue to be used as a cloak for fraud. 

Unlawful garnishment that has injured me and caused involuntary servitude. Financial institutions cooperation with corsairs ( con-artists ) at the expense of me. Also if debt can only be paid with gold and silver according to the article 1 section 10 of the u.s. constitution why did that take currency from my account. 

garnishments that are usually designed to make sure people have money left to live on following garnishment. Financial institution left my account balance was left to zero balance. 

I do not ingress in florida where the fake order was established.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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 items ( A ). It is not permissible to fail to validate these reporting items 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 correct : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX Original creditor XXXX XXXX XXXX Balance : {$38000.00} CREDIT XXXX XXXX Original creditor XXXX XXXX XXXX : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance XXXX - XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - Bankruptcy XXXX XXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX Court : US BKPT CT TX XXXX Bankruptcy XXXX XXXXdismissed Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX NA Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DEPT OF ED / XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : XXXX US DEPARTMENT OF EDU XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX Original creditor XXXX XXXX Balance : {$0.0XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX. XXXX Balance : - Bankruptcy : Dismissed XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : US BKRP CT XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX Balance : - XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - US DEPT ED XXXX Balance : - XXXX XXXXXXXX Balance XXXX - XXXX XXXX bankruptcy discharged Filed on XX/XX/XXXX Reference number : XXXX Court : U.S. Bankruptcy Court XXXX XXXX bankruptcy dismissed Filed on XX/XX/XXXX XXXX XXXX : XXXX Court : U.S. Bankruptcy Court XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This CREDITACPT is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX My Funds has been Held for 180 days. Please Adjust my account so Funds can be Withdrawn. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

The item that I am disputing is the following : XXXX XXXX XXXX  XXXX The reason that the item is inaccurate is because I was never late. Please look my bank statements that I have attached to this letter. The correct information should be : Paid on time, NEVER LATE. So I am requesting that it be changed.
Product: Vehicle loan or lease

Twice, I have requested The Huntington National Bank to remove the credit inquiry from my credit report even after I provided everything they requested. As of today, the credit inquiry has not been removed.
Product: Debt collection

I have no association with CreditOne LLC. They have been unlawfully accessing my social security number in order to run hard inquiries on my report. The most recent one noticed again was on XX/XX/2022. I never authorized or signed any contract with CreitOne LLC and have no legal binding contract with them. However, they still continue to steal my identity and use it to put negative hits on my credit report. I have filed a Identity Theft Report with the Federal Trade Commission and continue to take further measures to protect my identity.
Product: Credit reporting or other personal consumer reports

Ive filed several different disputes with TRANSUNION In regards to a XXXX XXXX XXXX FILING CASE # XXXX THIS REPORT IS INACCURATE AND IN VIOLATION OF THE FCRA AND IS NOT ACCURATE 15 USC 1681e ( bj Ive never filed XXXX XXXX or petitioned for XXXX XXXX XXXXI went to BANKRUPTCY COURT AND TRANSUNION CONTINUES TO REPORT THIS INACCURATE MIS INFORMATION CAUSING ME FINICAL HARDSHIP. I ASK TO SPEAK TO A AGENT IN THE UNITED STATES AND WAS TOLD I COULD NOT BE TRANSFERRED. UNITED STATES BANKRUPTCY COURT DOES NOT SHARE INFORMATION WITH TRANSUNION AND TRANSUNION COLLECTS THERE INFORMATION FROM XXXX XXXX NOT THE SOURCE.
Product: Credit card or prepaid card

I am afraid of using my visa card, because i got a call from XXXX XXXX XXXX XXXX stating that two charges were made this morning that I did not authorize. 
how do they know my credit card? 
how do they know my phone number? 
should law enforcement investigate this number or CFPB? 
I called Capital One and there is not such charges. is this fishing to verify phone number credit card number?
Product: Credit card or prepaid card

I am being charged by Best Buy for a service that I did not request or approved. I made a purchase a service was provided for three months for free and then I had to cancel if I did not want to continue the service. I should not be charged for a service that I did not approve. I should not have to call to cancel a free service that was provided. The company is stealing money from me. This service should not be tied to a product unless authorized by the party who will have to make payments. These charges happened on XX/XX/2022, {$10.00}, XX/XX/2022, {$10.00}, XX/XX/2022, {$10.00}, XX/XX/2022, {$10.00}. This is not the first time that they have did this and refuse to refund the dollar amounts. They should not be adding a service to products otherwise people can go to other places to make the same purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report with fraudulent activity and now am continuing to still see previous and NEW COLLECTIONS, addresses AND CHARGE OFFS on my credit report. This is very upsetting and I need this fraudulent information removed from my credit report within 4 business days. 
FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On Thursday, XX/XX/XXXX, my husband and I were out on a date night around XXXX XXXX  where I pulled up my account and saw I had about 60 dollars in there. Then at XXXXnight, my direct deposit from work came through. The next morning I woke up to find two seperate overdraft fees for two withdrawals that had apparently come through between XXXX and XXXXnight. While I understand what an overdraft fee is and take responsibility for the fact that I had not realized a check I had written would be coming through, I find it completely unfair and sickening that these transactions would be posted at XXXX at night, just minutes before my pay check was deposited, and cause me to have XXXX dollars in overdraft fees. In addition, I find it completely suspicious that the transaction with the higher amount, which was a check for XXXX dollars, was posted first followed by a smaller transaction for only XXXX dollars that would not have caused an overdraft fee because I had 60 dollars in my account. If PNC would have refunds even just the one fee, I would have been okay with it. Instead they were rude and condescending and refused to budge on the fees, even after I broke down in tears telling them I couldnt afford to buy groceries this week now. We have been customers of PNC for 15+ years ... its just sickening that they are so okay with losing us as customers that they will let us go for XXXX dollars. The other thing that is completely upsetting is that last summer, we had around 20,000 dollars in our account, and we were getting frequent calls from PNC offering us all sorts of incentives and asking if there was anything they could do for us. Sad that while we are going through a difficult time financially, we get punished and ignored. I am cancelling my account but just felt compelled to file a complaint because Ive been sick to my stomach after speaking with customer service earlier today.