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

This complaint is against XXXX XXXX XXXX XXXX of Maryland also known as XXXX. My member ID is XXXX. XXXX has erroneously reported that my line of credit is a charge off to Equifax. I have never been late on a payment to XXXX  and I paid the balance down to XXXX in XX/XX/2019. I took out a XXXX loan on the line of credit on XX/XX/2019 and on XX/XX/2019, XXXX reported the XXXX as a charge-off. I have attached documents from Equifax showing the charge off being reported and also attached a payoff on the line of credit in XX/XX/2019 and the XXXX loan dispersal on XX/XX/2019 which I have since paid off on XX/XX/2019. I have tried to reach the Consumer Dispute Department at XXXX and all I get is voicemail. I want the negative information removed from my Equifax credit report before it negatively impacts my standing with my other creditors. I have reached out to Equifax previously and they too are having problems updating my credit report following my request of an investigation to correct the balance errors. Furthermore, my account is not closed as it is being reported on my credit report for Equifax. 
Thank you. 
XXXX XXXX XXXX
Product: Student loan

I took at a private loan for XXXX XXXX XXXX  ( XXXX ) in XXXX. I have been making payments on weekly, bi-weekly and monthly intervals depending on pay scales. I have over paid my monthly payment in an effort to pay it off sooner. However, I feel like I'm in a never ending cycle. XXXX is listed in the XXXXXXXX XXXX XXXX lawsuit as a predatory school. Navient has been the subject of so many lawsuits that I don't know how they are still in business. The very first private loan that I received is the only outstanding private loan I have left. XXXX promised help in finding a job after XXXX, that never happened. I couldn't even find a position as a XXXX XXXX XXXX because the programs used at XXXX were out dated before I even XXXX. The original program cost roughly {$32000.00} and the enrollment/financial ad staff instructed me to apply for Federal and private loans that covered the cost of the program. All told, I borrowed {$63000.00} for {$32000.00} program. I was a first time borrower and honestly relied on the school staff to direct me. That was a huge mistake. Now fast forward XXXX  years and the every first Sallie Mae Signature loan for {$8400.00} still has a balance of {$6900.00}. This loan had a co-signed, my father-in-law. He passed in XXXX of XXXX. I reached out to Navient and provided the death certificate asking that he be removed as the cosigner. It was my understanding that he was, but now when I get phone calls on the remaining the amount, I'm asked about my co-signer. I don't know how many times I can tell them that he died. XXXX has been the subject of I don't know how many settlements, but I never saw anything. When I ask, I get told I don't qualify, but can't get an explanation of why I don't qualify. Navient was recently sued by multiple state Attorney Generals. I got {$500.00} and didn't qualify for complete relief because I was XXXX enough to pay on my loans. I never went delinquent for 7 months consecutively. XXXXXXXX XXXX XXXX has found in favor of the borrower. The fact that Federal Loans are being forgiven and refunded for the same XXXX  I attended should provide some kind of legal precedence to have my loan discharged and refunded. I do not owe the remaining {$6900.00}, I have been paying and paying and paying and the term of my loan never decreases. I was placed in forbearance or deferment by Navient when I shouldn't have been. They obviously did not place them on the oldest loans first. Why else would private loans from XXXX, XXXX ect be paid off but this one is not.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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 : XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX : XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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

On XX/XX/year>2024, the following creditors verified debt that is linked to identity theft. I the consumer provided the credit reporting agencies with a police report, an FTC report, as well as appropriate documentation verifying my identity. As mentioned, these are not my accounts. I have no knowledge of these accounts 15 USC 1681b. 

XXXX XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 

XXXX XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 

XXXX XXXX The item you disputed has been updated, which may include an update to the disputed information. 

XXXX XXXX XXXX XXXX The company that reported the information has certified to XXXX, Equifax, and XXXX XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 

XXXX  XXXX The company that reported the information has certified to XXXX, Equifax, and XXXX XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute.
Product: Debt collection

I am being sued by Midland Funding , LLC. for a XXXX credit account. 

In XX/XX/XXXX I was offered a debit relief settlement over the phone. I was to make the payment on or before the account due date. When I went to make the payment at the store the account was closed. 

The summons from Midland Funding , LLC shows in a statement that the account was closed prior the to the due date. 

Documents presented by Midland Funding LLC do not include any arbitration information for the account and serve to further my claim the account was closed prior to the due date. 

The court date is XX/XX/XXXX.
Product: Debt collection

This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. 

I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 

Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the hospital, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX XXXX!!! They clearly know I had XXXX in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX XXXX Account! 

I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. GM FINANCIAL XXXXXXXX Balance {$3600.00}
Product: Credit card

I had set up Autopay on my Wells Fargo credit card to pay the full amount every time, so I don't always check my balance. 

But for some reason my Autopay was turned off a few months ago ( I didn't change anything in my Wells Fargo account or the bank that the payment came from ) and now I've been charged almost {$1000.00} in interest. I'd like to request a refund for this interest.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX Balance Owed : {$640.00XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00}
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Au?

( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress prior violations
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on my XXXX XXXX Credit Card is showing as {$2300.00} when It was reported on XX/XX/2023 however, my account balance has been {$0.00} prior to XX/XX/XXXX. This false reporting is only occurring on my Equifax credit report. XXXX XXXX XXXX has the balance on this account as {$0.00}. This inaccurate reporting is causing a drastic drop on my Equifax credit score. Please get this information updated as soon as possible.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i noticed that I've been a victim of identity theft and found numerous credit inquiries i have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Credit card

On XXXX, I applied for a XXXX XXXX card. It was declined. On XXXX, I received a letter stating that I had a XXXX credit card ending in XXXX. In the letter it states that I have an XXXX card in XXXX that was delinquent and past due. I DO NOT have an XXXX card with that account number. My XXXX account is in good standing. I feel that I am being discriminated for whatever reasons. All my accounts have been in good standing credit card wise.
Product: Debt collection

Re : Cease and Desist Demand Under 15 U.S.C. 1681b ( b ) ( 2 ) To Whom It May Concern, I am writing to formally demand that Jackson Capital System immediately cease and desist from accessing or using my consumer report without proper authorization, as required under Section 1681b ( b ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( b ) ( 2 ). 
It has come to my attention that your company has obtained and/or used my consumer report without my explicit consent and without a permissible purpose as defined under the FCRA. Specifically, I am concerned about the following issues : Unauthorized Access : Your company has accessed my consumer report without obtaining my written authorization, which is a violation of 15 U.S.C. 1681b ( b ) ( 2 ). 
Lack of Permissible Purpose : The purpose for which my consumer report was accessed does not align with the permissible purposes set forth by the FCRA. According to the FCRA, a consumer report may only be obtained for specific purposes, including but not limited to evaluating creditworthiness, employment purposes, or other legally defined scenarios. 
To resolve this matter, I require that you : Cease and Desist : Immediately stop any further access to or use of my consumer report. 
Correct Records : Remove any records of unauthorized access and use of my consumer report from your system. 
Confirmation : Provide written confirmation within [ number ] days from the date of this letter that you have complied with these demands and that my consumer report has not been accessed or used without my consent.
Product: Debt collection

After hours XXXX XXXX skip traced and called our neighbor giving our full name, company name, and stating they were trying to obtain a collection of debt. When we called to tell them not to do that ever again they tried to bully us into a settlement and also threatened legal action against us if we didn't pay then and there. They also discussed all accounts associated with XXXX including my wife which I am not an authorized user on. We have also joined a debt consolidation program who has contacted them about making payments so they should NEVER have reached out to strangers or us and gave our information out or tried to scare us into paying them extra on top of that program.
Product: Credit reporting or other personal consumer reports

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

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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: Money transfer, virtual currency, or money service

I was scammed by a impersonated Wells Fargo employee on XX/XX/2022 for XXXX XXXX  Wells Fargo claim # XXXX
Product: Debt collection

got a hone call from XXXX stating they are trying to collect a debt on a Citibank credit card ( which I don't even have a Citibank credit card ) and they said they were a law firm offering to settle the debt before it went in to collection. Complete fraud and scam, I hung up on them and blocked the number. Very rude on the phone and could tell it was a call center from the noise in the background. 
Thanks for your help.
Product: Debt collection

I am not liable for this debt with XXXX XXXX and I do not have a contract with RADIUSGLOBAL plus they did not provide me with the original application like I asked. 

Account No:XXXX**** Amount Disputed : {$88.00}
Product: Credit card or prepaid card

I paid my Citibank the entire balance of my account. I mistakenly over paid the amount due and my account ( which is currently closed ) has a negative balance of XXXX. I have requested to have have the funds returned and the Citibank is holding the return for an unspecified period of time. Citibank had confirmed that funds have been received by them but they still refuse to refund the outstanding balance inspite of repeated attempts to have them wire the funds to my account.
Product: Credit reporting

unauthorized credit inquiries from XXXX XXXX. they refuse to remove or investigate inquiry disputes.
Product: Credit reporting or other personal consumer reports

Based on the Consumer Law, the following companies are NOT allowed to report Transaction History. A Corporation can not report transaction history ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They did not use abusive language. The problem is they called me looking for someone else. They ask me if I knew the person and i never responded. The person XXXX ( unknown spelling ) proceeded to tell me their clients personal information in an attempt to gather more info. I attempted to warn them to not give me someone's personal information and then explained that I never verified knowing the person they called about. They in turn hung up, but it's too late personal information was given out to unsuspecting people. I called back the number and left a voice mail about not giving info out.