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

This is an unauthorized inquiry that 's being reporting by this creditor Corporate Office | GM Financial Corporate Office | GM Financial XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, TX XXXX XXXX XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX Gm Financial XXXX XXXX, XXXX Unknown inquiry, please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraud, i disputed them many times- Tue
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and i found about XXXX inquiries that i dont really recognize, apparently trying to use my info to get credit. Theses inquiries are between XXXX and XXXX and didnt notice it till about a few weeks ago. These inquiries are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. Company Name : US DEPT OF ED/XXXXXXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX Dates : XX/XX/2019. I sent dispute letter out disputing the inaccurate information and XXXX claimed it was accurate.
Product: Money transfer, virtual currency, or money service

I created an account with Coinbase. They have a recurring purchase feature. I intended to purchase on the XXXX and XXXX as described on the sales page. What was not disclosed is that when you set up a recurring purchase you will also initiate an additional purchase on the same day. That is not what a recurring purchase is. In fact it is a one time purchase plus additional recurring purchases. I sent several email to coinbase asking them to retun the money from the additional purchase and the did not respond directly. 

On XX/XX/XXXX Coinbase confirmed their practice : ***************************** From : Coinbase Support XXXX Date : Friday, XX/XX/2021 at XXXX XXXX To : " XXXX '' XXXX Subject : [ Reply ] Case # XXXX - Recurring purchase Hello XXXX, Thanks for contacting Coinbase. 

Be advised that when you set up a recurring purchase, a one-time buy for the recurring purchase amount will execute immediately. If you set up a recurring purchase for {$50.00} worth of ETH each month, you will also execute a one-time buy of {$50.00} ETH at that moment .... 
***************************** The one-time buy is not mentioned anywhere, the sales functionality is misleading. 

Coinbase has closed several cases with me without giving me direct answers. 

XXXX # : # XXXX, # XXXX, # XXXX, # XXXX
Product: Debt collection

I told them that the debt they are calling about is for my ex wife. They state they are looking for my ex wife. I let them know my exwifes new married name. She has never been at this number and we have been divorced for nearly 10 years. They tell me to go XXXX a XXXX and then try calling back a few weeks later. They claim they are with ACH.
Product: Vehicle loan or lease

My vehicle got shut down after fixing the vehicle after having an impound in four years straight I was unable to pay car loan monthly payments because of in an out jobs Ive been working for the past five years trying to make ends meet when I got the car I thought I was gon na be able to afford it but I always ran into a financial issue that would not allow me too afford any car payment so ISo I continue to drive the vehicle until it was shut down hi caught multiple speeding tickets and my license got suspended because the cop said that my vehicle was unsafe so theres nothing that I can do to try to fix the situation
Product: Debt collection

I had a credit card and was not able to pay for it due loss of work and explained that credit card company and they decided to send it to collection a screwed up my credit when I made numerous attempts to ask them to hold a bit longer due was not able to find work. It is not easy finding work in the state of Florida
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 : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 accurate.
Product: Credit reporting or other personal consumer reports

Innovis is above the Fair credit Reporting Act Innovis has now run a foul of the Fair Credit Reporting Act. documentation has been sent, Innovis have been notified of the identity theft issue yet they prefer to push company law instead of abiding by Federal law which Innovis is require to abide. Fix the issue at hand, 2 accounts are made by identity theft. XXXX  XXXX XXXX was sued by CFPB on XX/XX/XXXX for millions this repeat offender jus t got sued again by the CFPB on XX/XX/XXXX XXXX. Stop playing and harming my life Innovis. Stop, fix the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received an email from the company alleging I owed the XXXX XXXX XXXX {$1500.00}. I requested further information about the agreement details, including my signature. I do not recall signing such an agreement with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify those accounts, under Section 611 ( 5 ) ( A ) of the ECRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Its been over 60 days and have not sent me one document or original contract. 

XXXX, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also be advised that this is my second time contacting your company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you can't just verify my account by telling me it is verified Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you can't send me proof of these accounts from YOUR COMPANY, it must come off.

All in all, you have ignored my request to provided me with the documents that you have in your files that were used to verify the disputed accounts, which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly delete all information which can not be verified. '' This law is as clear as daylight, as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately :
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Reporting of Unauthorized Account Information Pursuant to 18 USC 8 , 15 USC 1681b , and 15 USC 1681 Dear Fair Collections & Outsourcing, This letter serves as formal notice regarding the account in question reported under my name : Original Creditor : XXXXXXXX XXXX XXXXXXXX Amount Owed : {$16000.00} Account Status : Unpaid Date of Assignment : XX/XX/XXXX Balance Owed : {$16000.00} I hereby dispute the validity of this alleged debt and the manner in which it is being reported. Pursuant to 18 USC 8, I affirm that I owe no debt to your company, XXXX XXXX, or any affiliated entities. Additionally, your actions are in violation of my consumer rights as outlined in the following statutes : 15 USC 1681b ( 2 ) : You have no permissible purpose to use, access, or report my personal information for the purposes of credit reporting without my explicit authorization.

15 USC 1681 ( 4 ) : You are prohibited from reporting or disseminating information regarding this alleged debt without valid proof or my permission.

As such, your continued reporting of this account constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Furthermore, I demand : Immediate cessation of any reporting of this account to credit reporting agencies.

Full reinvestigation of this account as indicated by your current status update dated XX/XX/XXXX ( " Consumer Disputes This Account Information Reinvestigation in Progress '' ). 

Complete documentation proving the validity of this alleged debt, including but not limited to : Original signed contract bearing my signature.

Proof that this debt was incurred legally and is enforceable under applicable laws.

Evidence of any payments allegedly made or owed.

If you fail to provide the requested validation, you must immediately cease all collection activities and remove any associated information from my credit report. Be advised that non-compliance may result in legal action against your company for willful violations of federal statutes.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and I seen this account that was open in XX/XX/year> but it dont belong to me its from a company called UNISA INC XXXX
Product: Checking or savings account

On XX/XX/year>, I made a payment on my credit card with XXXX XXXX  for {$1400.00}. The payment was scheduled to be withdrawn from my paypal account. On XX/XX/year>, my credit card account charged me a returned payment fee of {$41.00} and reversed the {$1400.00} payment. I didn't understand why this happened because there was more than enough funds in my PayPal account to cover this transaction. After reaching out to PayPal, I was informed that the ability to allow external account to withdraw money via ACH needs to be enabled within the PayPal app. I was never made aware when I opened the account that this was even necessary. I've had many deposit accounts and never had to enable a feature to allow ach withdraws. 

I've contacted PayPal about this fee and provided the documentation that I attached for resolution, but have not heard back from them. It's appropriate for PayPal to reimburse me the {$41.00} fee that I was charged due to this glitch with their app
Product: Vehicle loan or lease

Someone out of the people that Omni picked to repossess the car disabled the car. I can not get the car from the tow company because I don't have the title. Toyota South Eastern Finance and Omni have to provide it to the tow company because I have not paid the car off thus far. As a XXXX  this is so unfortunate that I am paying for other people 's negligence and errors for telling me erroneous information and directions.
Product: Money transfer, virtual currency, or money service

Ive recently discovered 2 Cashier Checks dated XXXX  purchased from XXXX XXXX XXXX which is now WELLS FARGO BANK. 
After purchase, I travelled overseas on assignment, as I travelled extensively as a XXXX XXXX. 
Once I established this fact, I tried cashing said Cashier Checks and was told they were too old and must call the State Treasurer or call Customer Service. 
Customer Service, XXXX, in Idaho, assured me there was no problem because said checks were OFFICIAL CHECKS and had NO EXPIRATION date and directed me to go to WELLS FARGOs main Branch on XXXX XXXX XXXX. Washington, DC, and attempted to secure an appointment for me with the Branch Manager to make it easier and faster, but XXXX XXXX was unable to set that up due to some Electronics problem. 
I went ahead to that Branch, only to be denied cashing said Checks due to their age as too old. 
I called WELLS FARGO Customer Service again, and again they were dumbfounded as to why their Branch/Branches were not honoring such checks. 
Then I was given a phone Number to call in order to be reissued a REPLACEMENT CASHIER CHECKS, but the Phone Number provided by WELLS FARGO reached XXXX XXXX? 

Thus, I file this complaint in the hope of recovering my money.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Student loan

In XX/XX/2022, after XXXX university has been brought up on charges, I came forward to my complaint with the school. I applied for the loan forgiveness program based on the fact that my high school diploma was not a credited diploma. I got the diploma online at XXXX XXXX XXXX XXXX which i found out later was a fraudulent school. XXXX university knew this because while applying for the loans, this issue came up. However, the school still allowed me to attend anyways which destroyed my life! The school also forced me into signing up that day. Said if i didn't, I would not get their deals and promotions or a guaranteed seat in the classrooms. I had 2 different applications in 1 for borrower of defense which i applied because they pressured me into signing up, and also told me my grants would cover the cost of my tuition which was a lie! I struggled to pass my courses because of a learning XXXX i had all my life. If you look at my transcripts, you will see i attempted to retake failed courses which ended up raking up my tuition. My second application which is the one i am complaining more about is the False certification ability to benefit application. Since my high school diploma was fake, my loans by law should be dismissed due to XXXX university overlooking the fact that i had no credited high school diploma at the time of signing up which is illegal! By law, you can not enroll in school without a credited high school diploma. Mohela is refusing to properly process my application! They keep shutting me down with no explanation whatsoever! They keep denying my application the day they receive it telling me they did no investigation whatsoever on their part and is just denying it for no reason! I have just as many rights to have my loans forgiven like any other students did. The fact is that XXXX did me wrong and is not fair to me to make me suffer for the rest of my life for their mistakes! I think the laws are also unfair where you can't file bankruptcy on a student loan that is more than 10 years old! This is not fair either. I have no intentions of ever finishing school. I ended up resigning without a degree of anytime due to my learning XXXX i have. By law, these loans should be forgiven due to the fact that i never had any kind of credited high school diploma. I submitted the application to mohela twice, and they keep refusing to do any kind of investigations on it! Keep signaling me out. I will take this to court and sue Mohela for violating my rights as a student! This is not fair to me that i was mis treated at XXXX and should not have to pay for their mistakes. I just reapplied for the loan forgiveness in XXXX, and again never investigated it just denied it for no good reason. I have a good case and will take this to court if i have to. I'm also planning to file charges against XXXX as well for fraud!!
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX. 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 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 name is XXXX XXXX, e-mail- XXXX, phone number, XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX my DOB- XX/XX/XXXX, last XXXX of SSN- XXXX. I had my phone, purse, car and everything stolen from me and I was left at a hotel in XXXX OH XX/XX/XXXX I contacted Chime to shut my account down and all they did was shut the debit card down and that didnt do anything but lock me completely out and at that point without being able to get into the app you can access any customer service! So the people that stole my phone and had access to my Chime bank account got my new debit card number and stuff before I did I had to wait for it to come in the mail they got to see it change on the app! All the while Im begging Chime an email asking them to please set my countdown that these people are stealing everything I had again he fell and deaf ears! So after I got all the information together and filed most of the complaint for the unauthorized transactions I got a denial, filed another complaint, I got those denied! Im not even placed all of the disputes because its just so disheartening to have so much taken and nobody listen but for the disputes that I have filed that Ive got denied for no reason! With lots of information that these people left on my phone that got saved in my XXXX account, them texting people saying they had my phone this was their new number, and pic that they took my phone of them in KY while I was still in OH! But the dispute for {$2100.00} was claim number XXXX, the dispute for {$1200.00} was claim number XXXX, the dispute for {$1900.00} was claim number XXXX, Theres no reason with all the evidence I submitted that my claims should not be paid in full and Im not going to stop til they are because they are scammers there self instead of a bank people are supposed to trust in!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX**** Balance : {$10.00} XXXX XXXX Balance XXXX {$3500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INACCURATE INFORMATION XXXX No balances withXX/XX/XXXX It states I owe {$1600.00}
Product: Credit reporting

Chex Systems is reporting on my consumer report a fraudulent and unauthorized checking account from XXXX that do n't belong to me. I am victim of identity theft and someone stole and used my personal information to open up a fraudulent and unauthorized account checking account with XXXX. Attached to this complaints is a police report and letter I sent to Chex Systems.
Product: Credit card

I went to the XXXX to pull out my money for rent in the atm chime sent me too & nothing came out I call support the same minute & they said they investigate i then received a message in my email that the money will be sent back then I checked the app on the day it was supposed to receive it & it said it was denied I called so they can give me a explanation & they said they will send it to me which they never did
Product: Credit reporting or other personal consumer reports

The following company National Credit Systems has listed there name on my credit reports with XXXX and XXXX as a debt I am not familiar with. Acct # XXXX with a balance of {$21000.00}. I have reached out to this company in the past via certified mailing. I have never done business with this company or anyone they may represent. I have requested validation, made pursuit to the fair debt collection practices act and the fair credit reporting act, along with the corresponding local state laws.I requested validation competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them.I have not receive such evidence. Placing there company name on my credit report with XXXX and XXXX for a debt that I do not owe is a violation of the FCRA & FDCPA. If this company continues to violate my federal rights in regards to credit reporting laws. I would file legal actions for defamation, Negligent enablement of identity fraud, Violation of the Fair Debt Collection Practices Act, Violation of the Fair credit reporting act