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

In XX/XX/2018 I entered bankruptcy due to a failed buisness. I had personal guarantees which caused me to file for personal bankruptcy. During this time I had a car loan with XXXX XXXX. I never missed a payment and have since payed the car in full. I met all obligations of the loan contract but Experian has a negative report against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : COMENITYBANK/VICTORIA-XXXX-Balance $ XXXX-Date Opened : XX/XX/2013 COMENITYBANK/VICTORIA-XXXX-Balance $ XXXX-Date Opened : XX/XX/2013 XXXX
Product: Debt collection

I had an account with XXXX, it was being paid through Affirm. The merchant XXXX canceled the plan because they couldnt help me. Affirm is still calling and harassing me about monies not owed and has threatened me on several occasions that they would damage my credit and that I would no longer be able to use Affirm. I paid last month out of fear of having my credit damaged. I submitted everything they requested.
Product: Credit reporting or other personal consumer reports

Netcredit has a loan on my account and they do not do loans in WA.
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and disappointment with your bureau 's ongoing failure to address my concerns regarding the unauthorized inquiries on my credit report. This is now the multiple time I have reached out to you about this matter, and yet the inquiries remain unresolved, which reflects poorly on XXXX commitment to accuracy and consumer protection. Despite providing all necessary documentation to support my disputes, your lack of action is both disheartening and unacceptable. These inquiries were not authorized by me and should never have been allowed on my credit report in the first place. By failing to address this issue, Equifax is perpetuating harm to my creditworthiness and undermining my trust in your ability to manage sensitive consumer data. 
The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct thorough investigations into disputed items and ensure the accuracy of the information they report. However, your repeated inaction suggests a disregard for these obligations and for my rights as a consumer. 
I am demanding the following actions be taken immediately : 1. Removal of Unauthorized Inquiries : All inquiries I have previously disputed as unauthorized must be promptly removed from my credit file.

2. Written Explanation : Provide a detailed explanation of why these inquiries have not been addressed despite my repeated attempts to resolve the matter.

3. Implementation of Preventative Measures : Assure me that steps will be taken to prevent unauthorized inquiries from being reported on my credit file in the future.

This prolonged and unresolved issue has caused me unnecessary stress and frustration. If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

Navient services my Federal Student Loans. In XX/XX/XXXX the Federal Government with the CARES act stated that Federal Student Loans could be in deferment until XXXX of XXXX and not accrue any interest. I called Navient and stated I wanted to take advantage of this as I had some other large loans to pay back and my husband was out of work due to COVID. The informed me that I was eligible and that their would be no interest added to my loan from XXXX to XXXX. Then I read that this would be continued until the end of the year. Navient was already sending me notice that I was behind in my payments as of XX/XX/XXXX so I called them and they told me I could go into Forbearance but interest was accruing on my loan and it had been since I put it in Forbearance in XXXX. I informed them that I understood and the Navient CS person stated in XXXX that I would not be charged interest. The Navient CS today stated that my loan is not owned by the Education Department and only Education Department Loans were entitled to this so they are putting another whopping amount of interest on this loan. My loans started out at {$61000.00} in XXXX and today after making many payment are at {$68000.00}. I am 2 years from retirement and they just continue to go up. I understand that I took this money out years ago to try and better my life and the my kids life and it did provide me a better job, but I have paid so much in already, which Navient only shows what I've paid since XXXX and I own more and more all the time.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, XXXX XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 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 card

I had XXXX similar but distinct disputes with the Apple Card and submitted a complaint about both of them. The complaint ID of the first one is XXXX. The response by Apple to this complaint ( dispute case number XXXX ) : The dispute was ruled in the Customers favor because the available evidence did not sufficiently show that goods/services were rendered as agreed. As a result, the temporary credit that was applied to the Customers account was made permanent on XX/XX/XXXX. The other complaint ID was XXXX. This was marked as a duplicate complaint, but Apple ruled in the merchant 's favor. 

Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX Disputed amount : {$100.00} XX/XX/XXXX : Ruled in favor of merchant, stating, " Based on available information, we determined that the purchase was provided as described. '' XX/XX/XXXX : dispute reopened with case number XXXX. 
XX/XX/XXXX : Ruled in favor of merchant, stating that there was no evidence to substantiate the claim. 
XX/XX/XXXX : Correspondence with a specialist named XXXX from Goldman Sachs. This specialist stated that the dispute resolution for claim number XXXX was " write-off, this means that the 90 days timeframe we have to investigate the dispute reached the end without a complete investigation, so we resolved to make the dispute credit permanent. It is not quite like winning the dispute. '' This directly contradicts the response given by Apple to complaint ID XXXX, referenced above. 

I purchased a gift card for XXXX which did not work. I did not receive what I paid for, and Apple/Goldman Sachs is not helping resolve it. The merchant asked for information that XXXX does not provide, and then deleted the evidence I sent them. Apple did nothing about that. The dispute that was ruled similar enough for this one to be a duplicate was resolved in my favor. I provided the same evidences for both.
Product: Credit card or prepaid card

My XXXX, XXXX and XXXX Credit File is showing a past due amount of {$260.00} and a balance of {$370.00} for a Citgo Credit Card that show as a chargeoff account. I received a notice from a Collection Agency that they are handling this account. Synchrony Bank is reporting Inaccurate information, if the account has been transferred or sold to a third party for collection, it should not be reporting a balance or a past due amount. Under the FCRA guideline this is a clear Violation. I would like to have this Inaccurate information deleted from all three of my credit files. This is impacting my ability to obtain credit due to the incorrect reporting by Synchrony Bank. I have contacted Synchrony concerning this issue before and it was never corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of the 2017 XXXX data breach my information was leaked on to the XXXX XXXX please delete the fraudulent accounts that we opened in my name Capital one {$440.00} capital One Walmart {$550.00} XXXX XXXX {$100.00} all within the 2017 data breach
Product: Debt collection

WHY DID XXXX REPORT {$75.00} TO TRANSUNION WITHOUT MAKING AN EFFORT TO CONTACT ME FIRST?
Product: Credit reporting or other personal consumer reports

I would like to express my gratitude once more for your continued efforts in addressing the removal of certain fraudulent entries from my file, stemming from an alleged identity theft incident. Nevertheless, there are still outstanding items that require your attention for removal. As a victim of identity theft, I am reiterating my request to eliminate inaccurate information and inquiries from my credit file, as mandated by FCRA 605B ( 15 U.S.C. 1681c-2 ). The stipulated timeframe for removal, not exceeding 4 business days after XX/XX/XXXX, must be adhered to. This matter has been previously communicated in my earlier correspondence, and I am reiterating it here, accompanied by my new FTC report # XXXX. Additionally, I have reservations about the accuracy of the information you have furnished in my credit report, especially considering that similar items have already been removed by other bureaus. Kindly proceed to remove the following items resulting from the alleged identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure to address the listed items promptly will result in legal action, as I am prepared to file a lawsuit. My legal representative is fully aware of my intentions, and they are prepared to pursue accountability in the event of willful noncompliance. This communication serves as my final notice to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Student loan

Mohela incorrectly capitalized the accrued interest from my loans into the principal balance of the loans. My accrued interest as of XX/XX/XXXX was {$4900.00}. On XX/XX/XXXX Mohela sent me a statement which showed my accrued interest had been changed to {$470.00}. The previous amount of accrued interest was shown to have been added into the principal balance on the loans. I called Mohela about this on XX/XX/XXXX. Neither the service representative nor the supervisor were able to confirm the interest had been capitalized nor were they able to revert the accrued interest. Mohela never sent me any correspondence stating that changes were being made to my account or that they had capitalized interest. 

Mohela is also over-charging interest on my loan. The " interest rate reduction '' of .25 % that I am entitled to receive for being enrolled in autopay has been suspended on my account. I have since been required to make a payment on the loan at the higher interest rate. This payment was made through auto debit. I called Mohela on XX/XX/XXXX to have the rate reduction reinstated. As of XX/XX/XXXX the reduction continues to be listed as suspended. 

Mohela is charging me a higher payment than I am required to pay. Mohela required me to recertify my income for my income based repayment plan in XXXX of this year which increased my payment from {$110.00} to {$330.00}. On XX/XX/XXXX, the Department of Education released guidance stating that the deadline for income recertification was extended to XXXX of XXXX and that anyone who had been required to recertify prior to the announcement would have their payment reverted to the amount prior to recertification if the amount had increased. I have called Mohela several times since XXXX requesting that the payment is reverted per Department of Education guidelines. I am told that they will revert my payment within 10-15 business days but Mohela continues to bill me for the incorrect amount.
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. 

XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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: Checking or savings account

My account with Marcus Goldman Sachs was frozen. I opened a high yield savings account with them a week ago, and had a large sum of money transferred into my account from XXXX XXXX XXXX XXXX. I tried to log in this morning and their app told me I had been locked out of my account. I called their customer service number and was asked a bunch of questions to identify who I am. I was then told I was being transferred to another person who told me they couldnt authenticate me and my account was frozen. I gave them all my information that I have. I then said I wanted to talk to someone higher than the person I was talking to, and was told she was the supervisor and there was nobody else I could talk to. I was told it would take 3-7 business days to send my information to the verification department to be verified. I was also told that they couldnt verify me because they couldnt send me a code via text message. I thought that was strange because they sent me a code via text messaging when I started my account. I asked if they could call me at the number they have on file to verify me and was told no. So for now I have a lot of money in Marcus Goldman Sachs and I cant get access to it.
Product: Debt collection

I am filing a complaint against Jefferson Capital Systems who has illegally accessed my personal financial information and used it for their own gain. They have underhandedly used the following set of USC Codes to obtain debtor information in order to collect on a debt that I do not owe : 15 USC 1692e, 1693-1693r, and 1693e. 15 USC 1692e of the Fair Debt Collection Practices Act, states that debt collectors are prohibited from using false, deceptive, or misleading representations when collecting a debt.

The Fair Credit Reporting Act, as outlined in 15 USC 1681-1681u, sets standards for credit bureaus and third-party debt collectors to maintain consumer credit information. It also requires them to provide debtors with accurate credit reports and dispute inaccurate information.

Furthermore, the Unfair or Deceptive Acts or Practices Act ( UDAP ), as stated in 15 USC 45-56, prohibits Jefferson Capital Systems from engaging in unfair or deceptive practices when collecting a debt. This includes misrepresenting the nature of the debt or the amount due.
Product: Checking or savings account

On XX/XX/21 I opened an account with Bank of America and I transferred funds from another account with them an was wanting to make a purchase online through plaid services and also XXXX and also ACH and continued to even enroll in the online banking I've been having trouble with their app saying that I'm not allowed to online banking option but then I go on my Chrome Explorer and I'm able to log in to my account and have my agreements and everything disclosures that they have given me saying that I do have online enrollment and so now I'm trying to purchase something through other ways to purchase, still they are blocking my payment for purchases when I have Mobile online banking I just haven't got my card in the mail yet because I just signed up a couple days ago this is unbelievable and irritating because it happens to be night time where I can't get a call Representative online to talk to so very inconvenient very frustrating.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to the inadequate customer service and unfair practices. This violate the Consumer Financial Protection Act. Specifically Cash App failed to take timely and effective measures to prevent any fraud. Leaving my accounts open and vulnerable. Furthermore, their dispute resolution process was not fair and deceptive. They did not comply with error resolution requirements under the Electronic Fund Transfer ACT ( EFTA ) and regulation E. These specific actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

The attached document from my XXXX credit report XX/XX/XXXX, shows that I had 2 personal loans with Wells Fargo Bank. These accounts are paid off and in good standing, showing accurate information, which had helped me to build and keep high credit score. The scheduled removal date of these accounts was XXXX. 

However, on XX/XX/XXXX, Wells Fargo had, for no reason or explanation, deleted both accounts from all 3 credit reporting agencies. Why?
Product: Credit reporting or other personal consumer reports

I need help with some negative items on my report. I've already submitted the XXXX documents you requested, along with the dispute letters and details of the specific accounts I want removed.
Product: Debt collection

The creditor in question, Love, Beal & Nixon, PC ( hired by XXXX XXXX XXXX of XXXX, OK. ) continued to attempt collection from me on a credit card account I had no knowledge of AFTER I advised them I had secured an attorney. I have several of their FDCPA violations documented, including in a document I filed through the XXXX XXXX XXXX. Each time they violated the FDCPA and/or FCRA, I made them aware of violation ( s ) and advised them to contact my attorney. However, they continued to contact me ( by mail ) directly rather than contact my attorney. I provided Love, Beal & Nixon, PC with my attorney 's name and telephone number but they still continued to violate FDCPA rules with total disregard for my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this complain is to advise you that an improper investigation was conducted by TransUnion. TransUnion failed to provide me with a copy of any original documentation for example, a consumer contract a with my signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
Furthermore, TransUnion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), pertaining to a debt claimed wrongfully being reported by XXXX XXXX XXXX XXXX.
Product: Debt collection

MY identity was used fraudulently on XX/XX/2019 to open this fraudulent account with BANK OF AMERICA account # XXXX balance {$3600.00} this account is fraud.