23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

This online company classy home I used to split the payments up for an item I purchased. The item arrived delivered broken. I emailed pictures to affirm to open dispute. Affirm was supposed to be assisting me in getting this matter resolved i submitted by email to affim all supporting documentation including photos of broken item, email screenshots with merchant to accept return. All this proof was submitted to affirm within 30days As, I am not paying for a broken item Instead of helping me, affirm closed the case and are siding with the merchant. XXXX, who never responded to the 13 emails I sent them about the broken item. Countless emails hours of calls to Affirm refuses to assist me.
Product: Debt collection

I received a threatening email stating speedy cash ( XXXX XXXX ) sent me a warning XX/XX/2020 for a loan I never took out when I contacted them that more threats came especially when I asked for proof for signed documents Ive called speed cash twice IM MOT IN THE SYTEM I have no ideal who XXXX XXXX is or the attorney she sent the information to & that is : XXXX Claiming legal will be taken & my employer will be contacted Amour {$970.00} if I dont pay that itll be {$8600.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. s 1681i ), 609 ( 15 U.S.C. s 1681g ), and 604 ( 15 U.S.C. s 1681b ) I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( FTC XX/XX/year> ). 
After reviewing my recent credit report, I have Identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Basis for Dispute Section 611 ( 15 U.S.C. S 1681 i ) states that I have the right to dispute any inaccurate or imcomplete information on my credit report. I request that you investigate these unauthorized inquiries and removed them from my credit report.

Section 609 ( 15U.S.C. S1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. S 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.n
Product: Credit reporting or other personal consumer reports

I have request a investigation of Fraudulent Account on my XXXX report. The charge -off of an obligation with Fraudulent Account is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2022 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 

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 consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and
Product: Credit reporting, credit repair services, 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX 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: Debt collection

Reached out to Experian whose is reporting false and inaccurate information from collection agencies. Collection agencies are reporting open accounts with a past due amount. This information is inaccurate being I dont have any active open accounts with collection agencies. XXXX removed inaccurate information.
Product: Debt collection

ATTENTION TO QUANTUM COLLECTIONS ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company QUANTUM COLLECTIONS ( XXXX XXXX XXXX XXXX XXXXXXXX ) in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Debt collection

XX/XX/2018 and XX/XX/2018 I sent certified letters to Kansas Counselors asking them to validate the debt they are stating belongs to me. I received no correspondence back nor was it removed from my XXXX, XXXX or XXXX Credit report.
Product: Credit card or prepaid card

Capital one has been my one and only general credit card service provider. I started with the lowest tier credit card. The card was opened in 2014. My payments have been on-time since then up until this very minute. Two years later, after holding a conversation with a customer service rep, I was offered an upgrade to the highest tier card and I accepted it. Now, they have since introduced a new card and I am inquiring on a conversion upgrade and was told that I am not eligible. I have asked numerous representatives why and still have received no response. With my account history, there should be no reason for me to be ineligible. I have been told constantly that my option are to apply for the new card and have stated that I should not have to apply for a new card. Clearly, their system factors criteria such as race, age, sex, and credit history as a basis for a final decision. Since, my credit history can not be the issue then evidently, I am concluding to believe that my denial is based off of race, age, and sex. My belief is also reassured when they instruct me to apply for the new card. I am a young XXXX male with a great and very impressive credit history so this organization wants me to apply for a new card that I have evidently earned because they want me to add an inquiry and a new card to my credit report and/or illegally and purposely deny me for a new card to attack my self-esteem and character while still leaving me with a negative impression on my credit card that will slowly degrade my social advancement in some shape or form. This is a very simple approach that they are taking which has been used redundantly to slower the advancement of the XXXX race all while waiving a white flag screaming " we are not XXXX '' and giving credit cards to other young XXXX men who normally have no means to repay their credit card debts, but when one young XXXX man figures it out and handles a credit card responsibly, they stand firmly to force men like us back into the cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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 XXXXhas 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions,
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is an educational loan through Navient/Sallie Mae opened as a joint account with my husband on XX/XX/XXXX in the amount of {$10000.00}. The monthly repayment of {$140.00} began on XX/XX/XXXX. The account was for educational service through XXXX XXXX XXXX for my daughter. 
The debt subsequently was included in a Chapter XXXX bankruptcy filed by my husband which was entered on XX/XX/XXXX. The amount of the claim for Sallie Mae on the bankruptcy petition was {$7900.00}. An Order of Discharge was granted under 11 U.S.C. 1328 ( a ) by the United States Bankruptcy Court on XX/XX/XXXX. 
During the process of applying for a mortgage loan on XX/XX/XXXX, it was revealed that Navient was on my credit report showing that the responsibility for this debt is individual with a balance of {$14000.00}. I was able to go to Navients website and register for an online account using my social security number and date of birth. At this point, it was discovered that this account is the same account that was discharged through bankruptcy under my husbands name on XX/XX/XXXX. The details on the loan that is under my name and social security number states that the unpaid principal of the loan is {$7800.00} and the unpaid interest ( at a rate of 11.25 % ) on the account is {$6600.00} with a current balance of {$14000.00}. The loan also states that it is a private loan for XXXX XXXX XXXX XXXX with a disbursement date of XX/XX/XXXX. The original principal is {$10000.00} with the student being my husband. The loan status is currently in administrative forbearance due to the COVID-19 pandemic.
Product: Debt collection

Upon checking my credit report there is a debt collection on my report that i have no knowledge of i have never signed a contract with them nor any of there affiliates
Product: Debt collection

Debt has been removed by hospital but my credit hasnt been updated. Debt is still showing on credit even though Hospital has updated everything and I am at a XXXX balance. Medical debt collector still harass me even though everything is settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan on XX/XX/XXXX with XXXX XXXX XXXX and they were authorized to pull my credit with that application. I obtained a loan XX/XX/XXXX On XX/XX/XXXX XXXX XXXX XXXX pulled my credit again as a Hard Inquiry. They did not have permissable purpose and this access to my credit is Unauthorized. 

I called XXXX on 3 separate occasions over the past 3 months and they have not removed the unauthorized inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX See page 25 Regular Inquires of the attached credit report.
Product: Credit reporting or other personal consumer reports

XXXX confirmed in communication with me that account notes show I had requested a forbearance before missing any payments, but XXXX reported my account XXXX  days past due, strictly for XXXX XXXX XXXX 

After noticing the hit to my credit, I contacted the company and they corrected their internal system, but have failed to correct my credit report. 

I have repeatedly reached out to Experian, XXXX, and XXXX to request correction, but XXXX has failed to confirm the correction, maintaining a false hit on my credit and negatively impacting several major purchases. 

Please investigate all parties for responsibility and corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to work with Experian ( along with XXXX ) to remove inaccuracies within my credit report, and they have continuously refused to even investigate my claims. Each time, I receive a bogus, auto-generated response - even though I am sending PROOF that the claim is valid. 

Please see their email response below : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free '' There is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. Even so, I have sent these letters myself now on 4 occasions.. the companies are ruining people 's lives and are not being held accountable. Thank you in advance for looking into these issues.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) for violations of the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E due to inadequate customer service and unfair business practices.

Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activity on their platform, thereby exposing my account to unauthorized transactions and financial harm. Additionally, their dispute resolution process was unfair and deceptive, as they failed to comply with the error resolution procedures mandated under EFTA and Regulation E. 

These violations have resulted in substantial inconvenience and financial loss. I am seeking appropriate redress for these infractions and any remedies available under applicable consumer protection laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( account # XXXX ) has put on my credit that I owe them {$5700.00} in which they DO NOT have a wet signature from me nor have I ever sign any contracts with this company. 

Pursuant 18 USC 8 I do not own any debt this company is violating my privacy.
Product: Debt collection

I went to the hospital back in 2018 and I paid with my medical insurance that was supposed to cover any payments, months later I received a letter stating I was owing money to the hospital so I went to the hospital and they said I was not owing anything due the insurance paid it off so now I checked XXXX XXXX and I saw this account saying I owed almost 300 bucks out of nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 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 XXXXN Account # 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

I ordered a few things from XXXX and had to get a refund for something I had a certain amount in my account I received my refund today the XXXX XXXX the last time I used my card was the XXXX which brought my account to another amount I have not used my card at all and my refund disappeared out of nowhere I have a family and bills I want my money and I'm going to uninstall that app
Product: Credit reporting, credit repair services, or other personal consumer reports

I CAN NOT believe that TransUnion is STILL reporting the account XXXX XXXX although I have pointed out SEVERAL inaccuracies with this account. How can TransUnion verify inaccurate information as accurate? By law it is TransUnions job to ONLY allow accurate and correct information to be entered onto my credit report. How can this account come back as verified? I disputed this account XXXX and XXXX. I am challenging this account for the third time. 

I am challenging this account for the following reasons : There should be no past due on a charged off/closed account yet Transunion lists a past due amount of {$530.00}. How is this accurate? 

Each bureau lists a different open date. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX/TransUnion XX/XX/XXXX. How is this accurate? 

TransUnion lists that the last payment was made on XX/XX/XXXX yet the payment history shows that the account was paid satisfactory from XX/XX/XXXX-XX/XX/XXXX. How is that possible if the account was charged off? How is this accurate information?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs/Madam The last late payment for this account capital one auto occurred in the middle of a DECLARED NATIONAL DISASTER eg Covid 19 I also had entered a payment deferment agreement with the lender for the months prior to the late payment. 
it is UNREASONABLE the lender is not deleting the payment and credit bureaus are allowing it when this happened in XX/XX/2020 at the height of the pandemic and forced stay at home orders. 
Please help Kind Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$380.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX  XXXX Balance : {$210.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and  XXXX  wo n't give credit report online, but experien did.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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: Credit reporting or other personal consumer reports

I work XXXX XXXX  and been there 14 years on duty. While I was gone fulfilling my contract somebody has stole my identity none of the accounts on all three bureaus that earned in the negative not paid or really hurting my score they're not mine I wasn't even in the United States. I discussed with legal assistance and they have told me to disclose this is the last time I asked personally to please remove the stuff on all three of my bureaus that are negative. I've had no negative payments no loans that went bad no repossessions or problems with a rental property.