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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX : XXXX XXXX  XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have recently started to educate myself on credit and trying to work on my own i have disputed my school loans a couple of times as my community colleges I've attended have have both officially closed all locations XXXX college and XXXX XXXX XXXX XXXX for financial aid fraud both school took advantage of my lack of knowledge with financial aid responsibilities both school submitted applications on behalf I tried attempting to pay loans and just never was able to get a job in my field to pay back loans and with no help like promised from XXXX with job placement or no school locations to take refresher classes like mentioned at time of enrollment made it even harder I've recently tried to contact debt collector to start payment plan options since my disputes did not work I have no contact info or have yet to receive any letters or phone calls that the loans are now reflecting this status in my credit report Payment Info Status : " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '' and does not provide a number or website to contact to dispute ive made a login to federal student loan and have called the number provided rep states they no longer have my collections debt she gave an explanation but I have no idea what that means I feel these should be removed its reflecting horrible on my credit they have neglected to contact me to collect debt or notify me of debt since it had changed collections agency or company in charge of collecting debt I don't know please delete from my credit score
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer
Product: Debt collection

THIS ACCOUNT IS NOT MINE AND I DIDN'T APPLY FOR ANY CREDIT CARD UNDER XXXX XXXX
Product: Credit reporting or other personal consumer reports

See attached, just because you send these on YOUR report does not make it correct when I RUN MY REPORTS MONTHLY! The information has been wrong so many times and you've failed miserably at correcting it. It's time to do more than keep sending me these things that don't really say anything because they never match my report when I run it that ACTUAL CREDITORS SEE!!!
Product: Credit reporting or other personal consumer reports

XXXX after seeing that you are not in the interest of compliance with any of the federal regulations that govern your industry be aware that I am filing a lawsuit against your company for violating the law of the FCRA and refusing to provide any further cooperation in this case regarding the identity theft in the checking account.
Product: Debt collection

I submitted a complaint with you. My main complaint is that the only documentation I received state " This communication is from a debt collector but is not an attempt to collect a debt. '' The collection agency even provided you with the same documentation. If they are not trying to " collect a debt '' then why did they call me incessantly for over 15 months? If they are not trying to " collect a debt '' then why did they report me to the credit bureaus? If they are trying to collect a debt, then they can send me a request to pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

15 U.S.C 1691 Section 604 A Section 2 : 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

I am requesting a reinvestigation of a dispute filed XX/XX/XXXX. Your results indicated The information you disputed has been verified as accurate Documents A and B ( see attached ) were obtained from the original creditors. Both documents highlight your inaccuracies in reporting that can be verified. According to the FCRA, I have a right to have inaccurate information removed from my credit file. 

Experian has had the opportunity with both XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX to fix these errors, but has persisted in reporting inaccurate information. I want both collections to be removed from my personal file. 

I am disappointed and outraged that Experians casual and callous approach has had on my personal credit file and demand these inaccuracies be deleted as soon as possible.
Product: Payday loan, title loan, personal loan, or advance loan

Came home XXXX and was given legal paperwork from a completely different company from loan. Account was never sent to collection. I would assume this was company sale. Never received anything from XXXX XXXX XXXX about this transaction. I received paperwork from court in reference first Franklin financial which I never signed a contract with. Which proceeded to run my credit on there behalf with my signature it was ran off the XXXX XXXX  application. This was filed in XXXX XXXX al XXXXalsley. Using in proper paperwork to file a civil action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX XXXX and transition several times to investigate my credit profile with my disputes. if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.
Product: Credit card

The response from the company is not accurate. Apple never contacted me at the phone number provided. The transactions disputed were fraud my phone was compromised and the purchases were made. The disputes were resolved in favor of the merchant that is correct however they went based on that because shows transaction was made and it was. However transaction was not made by me. Despite me contating the merchant they still accused me of lying and made me pay for transactions I did not make. So the company never took a word I said seriously. And on top of everything I have a debt for fraudulent transactions I did not make.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

In XXXX, my husband and I signed a Deed of Trust to refinance our mortgage for our primary residence in Texas. Both of us are clearly identified as the borrowers on the first page of the contract. However unknown to us at the time, XXXX  XXXX XXXX XXXX ( XXXX ) did not record my name as a borrower for the mortgage in their system for the loan, they only recorded my husband. The mortgage was sold a couple of times and ended up at Bank of America. My husband has since passed away. I tried to change the information on the loan to reflect me as the primary borrower and couldn't find any info on me on the loan on the computer ( I had always paid the account ). I called BoA to tell them they should change the account so that I was primary and was told I wasn't on the account. I was shocked. I sent them a copy of the Deed of Trust assuming one of the earlier servicing banks had messed up and they would correct the error. They disconnected the online account and asked me if I wanted to assume the account at great expense. I did some research and realized that XXXX was the one that removed my name. I contacted them and pointed out their mistake and they referred me to BoA. I sent BoA another copy of all the documentation XX/XX/XXXX and they responded today that I was not on the note. I called and they told me that what I signed was a " deed '' not a mortgage. I explained that a Deed of Trust was used similarly to a mortgage in Texas and that no other " note '' existed and she didn't believe me.
Product: Payday loan, title loan, or personal loan

I called the company to see what loan was taken out with my information. I received a letter in the mail stating that I had a loan that needed to be paid back, I did not apply for a loan in the amount of {$930.00}. They confirmed that my information was used, I asked for the email on the file, which they refused to give it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fiance System has continued to report to XXXX false information in attempts to collect a debt. They have reported numerous accounts that are dated as of XX/XX/2015 from any where to XXXX to XXXX dollars. After speaking to the original creditor they informed me that Medicaid had paid on the account and or they had my Medicaid insurance information.

I have requested numerous times for them to remove thier information that they are reporting and that it is illegal to bill medicaid client for services that they recieved payment on.

Since XX/XX/2015 this has caused me numerous adverse actions and denials of credit, a mortage and a personal loans ...
Product: Checking or savings account

Our XXXX had a " deposit relationship '' with Wells Fargo Bank in XXXXXXXX XXXX for several years by XXXX. She had a specific pattern of writing checks and making withdrawals. The only large checks she wrote were for her charitable contributions and to pay her income taxes. 
Beginning in XXXX XXXX XXXX, she made several transactions that were completely " out of character '' for her and Wells Fargo did NOTHING to stop her. They only closed her accounts after she had lost over {$80000.00} to scammers. They claim they did " recover '' the final check she deposited into a stranger 's account by " convincing '' him to return the money. 
At the time they closed her accounts for " business reasons '' ( because they suspected she was being scammed ), they DID NOT file a " Suspicious Activity Report, nor did they make a referral to APS or XXXX XXXX XXXX XXXX 
Because of this neglect, and failure to report, she went on to lose an additional {$320000.00} from her XXXX XXXX  accounts to the same scammers plus some new ones. ( XXXX did NOTHING to stop her ; we will open separate complaint for them ). 
We filed a lawsuit in XXXX Superior Court due to the Probate nature of our conservatorship. The bank was able to get the matter moved to the Federal Court and the case is on its way to being " dismissed '' because we Do not have a private right of action. Our only recourse is to contact CFPB and the media to highlight this issue in the hopes that something will happen to incentivize these banks to take better care of their senior customers. 
We have attached all the exhibits we filed in our lawsuit. We have also attached the order for conservatorship and our letters. 

Respectfully, XXXX XXXX, XXXX for XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX (  Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I asked you TWICE to investigate this account you FAILED to do TWICE. You lied to me saying you investigated and there was no error. This account was charged off XX/XX/year>, since then this account has been charged off every month. This FALSE and INACCURATE information MANIPULATES the statute of limitations. 
RE-AGING the account is XXXX.
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 XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXXXXXX - XXXX {$370.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX - XXXX {$2100.00} XXXX XXXX XXXXXXXX {$3400.00} Accounts : XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX - XXXX {$540.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

While making a return at XXXX, I was declined saying that I had " check ( s ) on file. '' I had to call XXXX XXXX XXXX at XXXX. I tried calling the number, but it was automated & could not get a person. It referred me to a website because I did not have a decline number. I could not get a decline number on the website and it was of no help. I XXXX the company and it is come sort of scam! People have had this problem with XXXX, XXXX XXXX, and XXXX ( who writes a check to XXXX? ). The people have gotten the run-around, additional charges added, etc. Unfortunately, I entered my routing number, account number, and driver 's license number on the website, though this scam was attached to my driver 's license number when entered at XXXX. I have called my bank and they have no record of me writing a check, but put a note on my account about this company. I have submitted reports to the XXXX XXXX XXXX and to the State Attorney General. I have faxed XXXX XXXX and asked for someone to contact me. Nothing yet. Says it could take 30 days for them to respond!
Product: Checking or savings account

I am trying to close my Huntington business checking account. I tried to close over the phone and online but the only way to close is through going in branch. There is no reason why an account can be opened online or over the phone but can not be closed the same way. It is unethical to have these barriers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On theXX/XX/XXXX, I sent them a letter asking to validate some negative items on my credit report that I was not familiar with. After 30 days I got no response, I sent them another letter on the XX/XX/XXXX to complain that I haven't gotten any response yet and up to this day, they haven't notified me of anything. Here are the things I want to be removed from my report. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Employers : XXXX 4. Validate inaccurate/ reported late payments XXXX Account Number : XXXX please remove inaccurate reported late payments update to payed agreed 5. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Checking or savings account

Suntrust closed my acct with out advising the reason why. I am joint on mY daughters account and son But they dont access to my acct. when they closed my acct, they held my daughters funds and advised her to go to a branch. Nothing was resolved then today suntrust who must be Compromised advised via text that I deposited XXXX from my actual bank to there bank. But my account is closed. I didnt do that. XXXX told me to contact suntrust and make sure my email or number is removed from suntrust XXXX. I called and they say my suntrust XXXX is suspended. I want all of my information to be removed from there system they care compromised. Someone is using my info at there bank to try to deposit money. They are not helping me. XXXX my cell
Product: Debt collection

I got a loan in XXXX from XXXX XXXX XXXX that was then sold ( assigned ) to XXXX XXXX XXXX XXXX XXXX XXXX. I was approved for a loan called an " XXXX XXXX XXXX XXXX XXXX ''. The amount of the loan was {$20000.00}. There was a loan origination fee of {$1800.00}. The Note Disclosure Statement lists the total finance charges at {$49000.00}, with payments totaling {$69000.00}. I have since paid back over {$10000.00} of this loan but due to financial hardship was unable to continue making payments in XXXX. I wanted to reach a reasonable payoff amount but debt collectors demanded amounts in the {$23000.00} range. I am now being sued for {$27000.00}. I have credit card debt, Federal student loans, and no income. I feel that my only course of action may be bankruptcy. Only after I was served with the lawsuit did I begin to conduct research and I discovered that according to the Internal Revenue Code I was not a qualified student at the time I was given the loan. A taxpayer is an eligible student if he is enrolled at least half-time at a XXXX institution and is seeking a degree, certificate, etc. IRS Code : 26 U.S.C. 221 ( d ) ( 3 ) ( referencing 26 U.S.C. _25A ( b ) ( 3 ) ( requiring the student fulfill the requirements of _484 ( a ) ( 1 ) of the Higher Education Act of 1965 ( 20 U.S.C. _1091 ( a ) ( 1 ) I was enrolled in classes at XXXX XXXX XXXX XXXX XXXX XXXX school. This is only part of a XXXX college district, and offers classes in things like woodworking and retirement planning and these classes do not carry college credit. I submitted proof of enrollment in this school when I applied for the loan, but this school was not a qualified school that met the criteria for an education loan. I was not enrolled in a program that would lead to a degree or certificate. When I submitted my documentation in XXXX, I was led to believe that the classes I was enrolled in were sufficient. My tuition costs were only a few XXXX dollars. I believe this loan was given to me because the lender knew that I would have no recourse if I were to default, so the criteria ( qualifying school, qualified student ) were overlooked in order to get me into a more binding loan agreement. It was obviously in their favor to offer me this loan rather than a personal loan.
Product: Debt collection

I have asked them repeatedly to stop calling and to correspond with me through mail. Was told I owed a debt and I had to pay it, and it's not their fault I can't my my bills on time. Was asked how much I make a month because there's no reason I can't pay them.
Product: Money transfer, virtual currency, or money service

Sir/Maam, I am filling a complaint against Cash App due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience, emotional and financial loss and I seek appropriate redress for this violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Reported XX/XX/23 Collection/ Chargeoff original Creditor- XXXX Responsibility shows as Individual which is incorrect. This was a business transaction that was not transacted using my SS # and not personally guaranteed. I also communicated with XXXX it was causing me a business hardship due to missed calls and dropped calls prior to switching to another provider, and was advised they could not provide me uninterrupted service and This Debt is now being reported by Amsher Collection Services as a Charge off on my personal report. It is also showing age of account with this company as 9 months which is incorrect. 

Company Contact info- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AL XXXX ( XXXX ) XXXX or XXXX
Product: Debt collection

My mother died like 2 months ago I lost my job a month later im no working and the XXXX  of these people calling. one of them is because they were putting fees in there that was not discussed. 
The company name is XXXX Amscott i did a payday loan not expecting to be fired from my job i needed the funds because my XXXX XXXX  took almost everything i had I also i get automated calls about an extended warranty or buying and selling a house i dont appreciate my personal info be bought or shared