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

Accordance with the fair credit reporting act. The account below has violated my XXXX  XXXX  consumer rights to privacy and confidentiality under 15 USC 1681.Acct # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States. I have the right to privacy. 15 U.S.C. section 604 A section 2. It's also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information. And other adverse item of information, other records of crimes which antedades the reports by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

The Collection was oaid in full on XXXX XXXX. 
XXXX of XXXX placed me in Collections on XXXX XXXX. I found out about the collection through a credit report. 
XXXX failed to send me a Bill, after I sold my home in XXXX 2014, even though they had the forwading adress and phone number. The Lack of proper due dilliegence by XXXX and their poor customer Service resulted in a collection becasue they could not bill me. My bills were received by Email - no emails were sent and no regular mail was sent. After 22 years as a cutomer for that house and never being late, this is aphauling. 
Proof of Payment on the collection was provided by XXXX on XXXX XXXX when I made the payment by phone immediatly after finding out about it being ion collections form a credit report - See below. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, COMMISSIONER XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NORTH CAROLINA XXXX XXXX TELEPHONE ( XXXX ) XXXX XXXX Payment Verification Date : XXXX Customer Name : XXXX, XXXX Premise Location : XXXX XXXX XXXX XXXX XXXX, NC, XXXX Payment Date : XXXX Payment Amount : {$83.00} Comments : Customer 's account has a zero balance on the final bill. Thank you.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXXXXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged CB/VICSCRT - XXXX BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Money transfer, virtual currency, or money service

Hi good morning, I sent money thru my PAYPAL account the last XX/XX/2019 and the recipient should've received the money the last XX/XX/2019. 

The amount is XXXX . 

My PAYPAL account says the money was sent, but the recipient hasn't received anything yet. 

My Transaction ID XXXX. 

Thanks for bringing this service, I hope a soon answer.
Product: Checking or savings account

My name is XXXX XXXX, I am XXXX with XXXX XXXX XXXX, I applied and received funding from SBA/PPP Loan Advance, Benworth Capital Partners is the Lender. The funds were supposed to be deposited in the my checking accounted on XX/XX/2021. Ad of today Tuesday XX/XX/2021, funds have still not arrived. 

I scheduled and met with various Bank Associates of XXXX XXXX XXXX, they continue to tell me that the Lender did not release the funds. I applied to another lender for a small loan XXXX XXXX and the loan amount was deposited into my account in 2 days. I have not collateral other the my SBA Loan Number, and was given a small loan at a very high interest. 

I have been funded since XX/XX/2021 when I received my PN with a loan number. I even contact Ms. XXXX of the SBA and she advised me to open up a XXXX Bank Account ( although the lenders did not make this a requirement ) which I did. I am still having a problem with the funds being deposited. 

I am not getting a straight answer from anyone, XXXX XXXX XXXX, and Benworth Capital LLC. I am about to loose my banking privilege 's because money has not been deposited to cover over draft fees and has been in a negative for over 30 days, I was told by XXXX at XXXX personal checking the my account would be closed today if money was not deposited. I am flat broke, I have been awaiting a deposit since XX/XX/2021. I have all the documentation that is need verifying that the funds were transferred I have waited past the required time set by the lenders and the receiving bank. 

As of today Tuesday, XX/XX/2021, I am still waiting. Please help me resolve this is and prevent me from loosing my bank account and my business. 

Regards, XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Account Number : [ XXXX : XXXX | Equifax : XXXX ] I am writing to formally dispute inaccuracies in the reporting of the above-referenced account on my credit report. Upon reviewing the details from your bureau and comparing them to other credit reporting agencies, I have identified several discrepancies that require immediate investigation and correction. 

Discrepancies Identified : Account Type and Details : XXXX reports the account as " Installment Account, '' while Equifax lists " Installment '' but does not reflect detailed activity consistently across its report. 
XXXX has no data for this account, which raises concerns about the completeness of reporting. 
Payment History and Status : XXXX reports a payment status of " 120 days past due, '' while Equifax lists " At least 120 days or more than four payments past due. '' This inconsistency must be reconciled. 

The two-year payment history on XXXX includes numerous instances of 30, 60, and 90-day late payments, culminating in " 120 days past due. '' However, there is no corresponding detail in Equifax. 
Dates and Activity : XXXX reports " Date Opened '' as XX/XX/XXXXXXXX  and " Date Last Active '' as XX/XX/XXXX. Equifax shows the same " Date Opened '' but lists " Date Last Active '' as XX/XX/XXXX. These discrepancies should be reviewed and corrected. 
Comments : Equifax notes " Consumer disputesreinvestigation in progress, '' which is not reflected in XXXX. If a reinvestigation is underway, it should be consistently reported. 
Requested Actions : Conduct a comprehensive investigation with the original creditor or data furnisher to verify the account details, including payment history, status, and activity dates.

Correct any inaccuracies or inconsistencies across the bureaus to ensure accurate reporting. 

Provide a detailed explanation of the investigation process and the evidence used to verify the reported information. 

Legal Obligations : As per the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all reported information is accurate, complete, and verifiable. Please resolve this dispute and provide an updated credit report reflecting accurate data within the legally mandated 30-day period.

If additional documentation or information is required to complete this dispute, please contact me at
Product: Debt collection

I received a collection notice from Credit Protection Association L.P. for a debt / service I never signed on for. The alleged original creditor is XXXX for the amount of {$550.00}. However, my electric provider is XXXX and my gas provider is XXXX and I have been making monthly payments to both continuously for the past several years. I have never entered into any agreement with XXXX. I do not entertain solicitation notices either by mail, person, or telephone. When I logged on to the XXXX site, the request a dispute link leads to a server error and does not allow you do take any action.
Product: Debt collection

I have been receiving calls from this company for weeks now. Most time I ignore it but today I'm sitting with my wife and kids watching tv and decided enough was enough. I've been in contact with target card services and have set up a payment plan thru their own website. I have been in contact with target. I attempted to explain my situation and the fact that I have already made an agreement thru target and the did not listen. As I was explaining myself the guy on the phone just spoke over top of me. He was extremely rude. So I asked for a supervisor. I was immediately placed on hold and just waited a few minutes before I hung up and called them back. I then asked again for a supervisor was placed on a brief hold until a women answered claiming to be the shift supervisor. She proceeded to talk over me as I once again tried to explain myself. Then I asked to speak with her boss and she gave me some run around. Then proceeded to ask me for more personal info before she could give me her boss 's contact info. It was a giant run around. I told them numerous times over numerous calls to stop calling me. I will provide a screenshot of my agreement with target.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

LIST OF ACCOUNTS BEING CHALLENGED ; Collections XXXX XXXX XXXX XXXX XXXXXXXX {$270.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$110.00} XXXX  - XXXX XXXX  - XXXX {$8200.00} XXXX - XXXX {$880.00} XXXX XXXX  - XXXX {$270.00} XXXX XXXX XXXX - XXXX {$120.00} Accounts : XXXX - XXXX {$8900.00} XXXX  - XXXX al {$20000.00} XXXX  XXXX XXXX {$9000.00}
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in violation. Under 15 U.S. Code 16816 - Permissible Purposes of consumer reports ( a ) in general subject to subsection ( 9 ) any 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 any consumer reporting agency written consent to report anything on my consumer report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a Consumer I am demanding the deletion of the accounts listed immediately.
Product: Debt collection

I got XXXX loans that I recall from a place called rapid cash, but on my credit report it shows XXXX of them. When I got the loans I had money problems since I 'm the only XXXX working in my household. So I have to pay rent, electric bill, gas, car, house insurance, phone, car, medical bills. So i got the loan so I could help myself a bit. I was making enough at my last job so I was n't able to keep paying. But I only recall getting XXXX loans not XXXX so I do n't understand why it shows up XXXX times.
Product: Student loan

XX/XX/year> I received notice that The Art Institutes were found to have committed substantial misrepresentation that borrowers relied on to their detriment. The Illinois XXXX XXXX XXXX XXXX which I attended are among these schools. As such the Federal/ Dept. of Education loans are being discharged. A couple months later I learned my loan servicer Navient offers a School Misconduct Application upon request. I did as such XXXX XXXX regarding four loans for the time I was enrolled. Navient promptly instructed where to start the application. After some back & forth with the time taken to acquire everything the application requires, I was able to submit the application XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> when I logging into my Navient account, I saw a notice stating my application was denied. However, I have only been provided the following message : " We have completed a review of your application and have determined your applicable private student loans are not eligible for discharge due to the following reason ( s ) : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' This is clearly a generic message sent out for any application denial. I've never been informed by Navient that requirements exist, what the requirements are, & what I didn't meet. I contacted Navient to know why my application was denied specifically. Since the school I attend has been proven they committed misconduct under the court of law, I asked that the denial of my application cite any issues directly. As well as what can be done to appeal this decision. The only response I received is we'll look into this. Without any additional follow up to date.
Product: Debt collection

In early XXXX  I was notified by a previous employer that my personal information had been stolen when the company 's corporate systems were hacked. Around this same time I had received an alert from XXXX that there were possible fraudulent charges on my accounts. 

Before I had the opportunity to deal with this issue the XXXX accounts were sold to Midland Credit Management. I could no longer see the card statements on the XXXX website but I could see there was a second card issued to XXXX of my accounts that I never requested. 

When I spoke with an agent at MCM regarding clearing up this debt I told them about the situation of stolen identity and fraudulent charges and asked for them to help me access an itemized list of charges for the account so I could be sure that the debt I was paying was my own as I have numerous reasons to believe there are charges on this account that I did not make. The agent refused and said that did not matter anymore because now that Midland Credit Management held the debt I was responsible for all of it regardless of if any or all of the charges were a result of fraud. 

This company has continued to call me almost every single day for over a year. Their refusal to assist in this matter is the reason resolution has not happened. Instead of helping to resolve the situation I would like to rectify they are instead harassing me for the full amount to be paid. 

In addition to the submitted document from my previous employer regarding the security breach where my personal data was stolen I have extensive phone records of all MCM calls including several days where they called me multiple times in a single day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2021 and haven't receive any response. its been 49 days. The bureaus only have 30 days to respond. This doesn't make any XXXX sense. This unfair and outrageous that they can operate in this manner. I want these items deleted from my credit report immediately. They just do what they want to.
Product: Debt collection

I received a letter from a debt collector : Radius Global Solutions, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX ( XXXX XXXX. XXXX )- alleging I owe a debt to XXXX XXXXXXXX XXXX in the amount of {$560.00}. They state the current creditor is XXXX XXXX XXXX XXXX. I advised that I do not owe this debt and asked they to please provide proof. They sent what they claim is proof, calling it " validation ''. However no where in the XXXX pages they mailed to me is my name even mentioned. No where is proof that I purchased anything or received anything of value. My signature does not appear anywhere. The only thing provided was a Rate and Fee Schedule, a credit card agreement page ( blank ), a partial account number ( XXXX ), and a purported statement of account activity that only shows past due balances. XXXX has done nothing whatsoever to connect me to this alleged debt. All this shows is that someone with an account ending in XXXX purportedly owes a debt to XXXX XXXX XXXX / XXXX. This is not me. I have never had an account with XXXX, XXXX or XXXX. And they have provided absolutely no evidence to the contrary.
Product: Credit card

My PayPal account has multiple unauthorized charges on the account. I continue to dispute the validity of these charges. I wish to inform PayPal that I have now contacted the attorney general in my state and named them in a consumer complaint. I want charges on my account removed, ( all previously disputed ones ) and I want negative credit reporting to any of the XXXX credit bureaus removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent student loans listed within my credit report that I'm not responsible for. Ive disputed these accounts more than once and they haven't been removed. The creditor will not send me written proof of these accounts. Please help me remove these fraudulent accounts with US DEPT OF EDUCATION and XXXX XXXX XXXX from credit report.
Product: Credit card or prepaid card

One of our company credit cards was stolen. The x-employee charged over {$7000.00} in personal items until we found out what was going on. I reported the fraud to Amex. I was told the fraudulent charges would be removed and it would be " investigated ''. I called many times over a period of over 3 months. Amex decided that although the card was used fraudulently, and the man was convicted of fraud by local police for taking this card and shopping with it, and the man is in prison because of this, they decided they would not remove the charges or the interest accruing over these months on the amount, and that we must pay for all of the fraudulent charges. The reason given was that this employee had been given the card previously and authorized to use it to put gas in a vehicle for company use. Any previous authorized use was authorized, and paid. Not the same thing as stealing it and identity theft, for which he has been convicted. These charges are fraud, and under the terms Amex states for it's cards, any fraudulent charges will be removed.
Product: Credit card

XXXX was obtained in my name XXXX. I was in the process of selling my home and was no longer living there. But the card was used in XXXX when I was living in XXXX  and not in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX now calling the business XXXX has once again taken points from my credit report as well as negative remarks regarding student loans. 

Student loans have been on pause since the pandemic as many affected financially especially the lower earners. This is the 3rd time I have to keep filing complaints regarding my credit report. 

Why is my credit report lawfully allowed to have negative comments on a debt I should have been able to file bankruptcy on in XXXX? The pause is in affect at this time XXXX? 

In addition XXXX has added {$510.00} in unpaid interest for XXXX! 

Struggled to make {$33000.00} dollars last year as well as roof over my head and food on the table. I can not afford any payments! 

The loan service companies can not lawfully ding credit reports, but yet continue to do so. 

Can i please get some legal help with these issues to end them?
Product: Debt collection

I have sent a validation letter on XX/XX/2022 to this company named Bridgecrest, and yet to receive a response of validation, it has been XXXX calendar days and I need this debt remove from my credit report immediately, due to no response of validation and incorrect billing, I will also have the attached letter I sent down below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Experian requesting that they remove any addresses other than my current address. They told me that they can not do that due to some closed accounts associated with the addresses. I am trying to prevent identity theft, I do not want my personal information being sent to the other addresses as other people live there and can open and read sensitive information. I am asking that all other addresses to be removed from my credit report.