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

XXXX is reporting information about my educational record that they have no permission to report. 

Family Educational Rights and Privacy Act ( FERPA ) Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interests ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. 

There is no contract or written permission where I { put your name } gave any written permission. 
If you XXXX believe that I have given you this permission I am requesting the document pursuant rule 1002.

Further more my non-public personal information is Private. It is also confidential and you are violating my right to privacy and confidentiality by reporting this information illegally without written permission. 
I sent over a dispute letter to the CRA 'S and they did nothing they could not proof anything they do not follow the law.
Product: Money transfer, virtual currency, or money service

I started a auto repair business and opened an account with Square to invoice and accept ACH payments and I invoiced my customer for {$1900.00} on XX/XX/XXXX and they paid that day through ACH it cleared on XX/XX/XXXX and once it did I went to transfer it to my bank account and then I received a message saying they needed more information so I resent my ID, Social security card and 3 months of bank statements along with my return policy and they said that was good and they just needed to review and confirm and in the meantime I can still accept payments etc. the next day I received a message saying that I can no longer use there services and my account is frozen and all money in my account will remain with them for 90 days. I tried to refund my customer and it wont allow me to even though the letter states I can. Im just starting my business and now I am unable to purchase materials needed to do the body work for a customer that has already paid.I have called repeatedly and they tell me there is nothing they can do and say someone higher up will call me and no one does. Now they have my phone number flagged so if I call I can only get a automated message so I have to call from different numbers.
Product: Credit reporting

I have been attempting to get my credit report reviewed but I 've been unsuccessful. I was a victim of identity theft and I 've sent all XXXX credit bureaus my police report. I 've had multiple items removed and reinserted and when I try to dispute ... .in return I get a letter stating that they have previously disputed this matter and the previous status remains the same. I have yet to receive any verification in regards to these debts and I have sent multiple 609 letters with no success. The accounts are to verify that these XXXX companies are reporting correctly XXXX, XXXX, and late pays with XXXX and XXXX. With XXXX and XXXX I had insurance and advised that the insurance paid the balance but then was later informed that they only paid a portion. I was in the military and was XXXX so I was XXXX of the military which caused me to be unemployed and unable to pay my bills. This is why I utilized the insurance with these XXXX companies which I was later informed that I still had a balance.
Product: Credit card

In mid XXXX 2015 I observed an unauthorized purchase for {$230.00} from XXXX listed as pending on my account. I immediately contacted Capital One and informed them the purchase was unauthorized, and was told I was unable to dispute the charge until it posted to my account. Upon the transaction being posted I informed capital One verbally and via their online secure messaging system. I was initially give temporary credit, and Capital One disputed the charge. However, Capital One disputed the charge incorrectly. They did not dispute as unauthorized, the merchant disputed and the charge was reissued on my account. Capital One informed me the merchant stated the merchandise was received, I again informed Capital One that the transaction was unauthorized, I did not make the purchase and never received any type of benefit from the purchase. Capital One stated they incorrectly filed the dispute and would now file as an unauthorized charge. XXXX BILLING CYCLES LATER Capital One denied my claim, stating the merchandise was delivered to my home by XXXX. When I again stated I did not authorize the purchase or receive the merchandise, Capital One again said the merchandise was delivered to my home and opinioned that an individual who could have had access to my information such as a family member may have made the unauthorized purchase. My own research revealed XXXX delivered the merchandise to my home and left it without a signature and the delivery was not in my name. When I informed Capital One of this information and suggested that if someone was expecting the package since it was a scheduled delivery via XXXX, perhaps the individual removed the merchandise from my front stoop, Capital One said that could never happened. When I informed Capital One that since they took over XXXX billing cycles to resolve the issue, as per Federal Regulation they could not hold me responsible for the purchase, Capital One agreed they had the initial dispute over XXXX billing cycles, but their fraud unit did not and therefore the Regulation does not apply. If Capital One properly filed the dispute as unauthorized from the beginning there would have been no issues, why should I be penalized because of Capital One 's negligence?
Product: Credit reporting

Submitted a reinvestigation request on XX/XX/2017, to date no formal or informal feedback of the outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is saying that I have a credit card with them and I donot I try o get XXXX XXXX to fixed his but thy will not.this is on my creidit report and I want this to be removed ASAp. this is no my card.XXXX XXXX saying it have been open for six months. never been use
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN A VICTEM OF IDENITY THEFT, IVE REQUEST MULTIPLE TIMES TO HAVE AN ALERT PLACED ON MY CREDIT. MEANING NO ONE SHOULD BE PULLING MY CREDIT WITHOUT WRITTEN CONSENT, IVE ALSO SENT MULTIPLE REQUEST TO BOUT TRANS UNION AND XXXX BOUT OF THEM IGNORE MY REQUEST. THEY REFUSE TO INVESTAGTE. PLEASE SEE THE FOLLOWING INQURIES AND DELETE FROM MY REPORTS, AS I NEVER GAVE CONSENT. 

TRANS UNION IQURIES FACTUAL DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please be advised that the final account statement in the amount of {$4600.00} shall be waived as my lease agreement with XXXX was terminated due to incapacitating injuries arising out of an automobile incident which occurred on XX/XX/. As such, I submitted a notice to vacate onXX/XX/2023 

Under the Texas Fair Housing Act, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas Fair Housing Act broadly prohibit discrimination in rental dwellings. 

Additionally, XXXX XXXX XXXX XXXX XXXX has admitted to closing the account and XXXX has removed the collection from my report. However, EXPERIAN and XXXX refuse to do so, I'm not saying my information is incorrect, I'm stating that the account is incorrectly reported.
Product: Debt collection

I submitted a complaint already and they continue to call. This is an annoyance. We are seeking a Chapter XXXX bankruptcy and this company was told to leave us alone last year.
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 XXXXXXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a {$20.00} past bill that they said belongs to be from XXXX. The date it was reported on my credit was XX/XX/XXXX. I have not received correspondence from this company to validate the debt. I was also told if I paid the dept that XXXX will stay on my credit as paid in full for 7 years. I do not know if this collection is mine but it is also against my rights due to Representative XXXX XXXX XXXX ( OH ) introducing the Medical Debt Relief Act in XXXXXX/XX/XXXX. The House of Representatives passed an amended version in XX/XX/XXXX. The Senate read it twice and referred it to the Committee on Banking, Housing, and Urban Affairs. 

The objective is to To exclude from consumer credit reports any medical bills that have been in collection and has been fully paid or settled, and for other purposes. 

My credit should not be effected by a debt I did not know I owed and when I offered to pay the XXXX I was given information that is against my rights.
Product: Credit reporting or other personal consumer reports

The companies, along with the credit reporting agencies, are knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO. 

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a XXXX  XXXX member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. 

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so.

Thank you for your help in protecting my federally protected consumer rights.
Product: Credit card

This is a complaint against the department prevensin fraud credit card Costco, the reason for this is the lack of respect towards me and discrimination, for no reason have blocked my credit card and to check if I am the owner of the card. I have been asked a number of papers that have no problem in supply and in fact send by fax, and have called multiple times to see if it was reviewed your request, and just tell me represent we have not received anything yet. that brazenly tell me in my face liar. In view only tease me saying that you have not RECEIVED nothing and that in such case they how many days it takes not to receive and review them, reason that makes me go to this department to provide a complain to expedite this as pc they are a serious department. I feel cheated with this situation as it is the second time that make me, a representative of the department fradude was very rude and inconsiderate when I explained that I am traveling and as he had no such contact me I had to block the account I told her to call me a mobile phone and could receive text however did not want to do the review and that because my phone XXXX not registered when that phone has always been in my accounts citi Bank and the house and I said I had my house extension and received calls and either and for this reason XXXX XXXX put my card into research and I find travel and caused me a very unpleasant extres.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) 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 and hard earned money unprotected and vulnerable. Further more their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice a inquiry on my TransUnion report for unauthorized that I didnt recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE FRAUDULENT ACCOUNTS FAIR COLLECTIONS AND OUT XXXX -- -> : {$3100.00} XXXX XXXX XXXX  XXXX -- -> : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX said my credit score was XXXX points lower than it really is and caused me to be denied auto financing. I've never even heard of this company and I definitely did not give my permission for my personal information to be given to them. Their reasons for such a low credit score were not true either. XXXX XXXX will definitely never get any business from me in the future and I will make sure to let everyone possible know about these two companies and what they have going on
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America issued my estranged husband a credit card. The credit card for some reason is also in my name ( I never applied for a credit card with them ). My estranged husband did not make the last months payments and it went on my credit report. This is not my debt!!! I did not authorize this card and I never used it! I dont even have a Bank of America credit card in my possession. I want it off my credit. Im being held responsible for his debt!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I noticed there are several inconsistencies regarding the account ( XXXX XXXXXXXX XXXX XXXXXXXX ). In the balance ( HIGHEST BALANCE ) Section Equifax is reporting a highest balance of ( N/A ), XXXX is reporting a balance of ( {$470.00} ) and XXXX is reporting a balance of ( N/A ). The inconsistencies on the account are not accurate, the accounts appear to be from the exact same creditor, yet all the provided data for the account is different. 
Another Discrepancy I found on the account ( XXXX XXXXXXXX XXXX XXXXXXXX ) in the ( PAYMENT HISTORY ) section, the date XX/XX/23 is listed as charge off on XXXX, charge off on Equifax and there is no payment history listed or available at all on XXXX. 
Again, there are more inconsistencies on the account, and I ask that you remove this erroneous item from my credit report. 

Please thoroughly consider the evidence provided and remove the account as it is currently being reported inaccurately and in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to get an explanation of why my credit score have not recovered from month before last higher than normal balances reported from my credit card company. My credit score dropped 40 points because of it. Last month I paid down those balances bringing my Utilization down to 16 % but my credit score still remains at 40 points lower. I called to get answers and no one would answer my questions or explain to me why the score has not recovered. Transunion has outsourced their calls overseas to people who can't answer none of my questions. This is a major problem for consumers who need answers to their concerns about credit. As important as credit scores are to my livelihood I need people who can answer my questions and resolve my problems with my Transunion score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX ( XXXX : XXXX XXXX : XXXX  ), Unknown Name ( XXXX : XXXX ), XXXX XXXX/XXXX XXXX  ( XXXX : XXXX   XXXX  : XXXX Transunion : XXXX  ), XXXX XXXX ( XXXX  : XXXX  XXXX : XXXX  Transunion : XXXX ), XXXX XXXX/XXXX  ( XXXX  : XXXX XXXX : XXXX  Transunion : XXXX  ), XXXX XXXX XXXX  ( XXXX : XXXX XXXX : XXXX  ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), XXXX XXXX   ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX  ), XXXX XXXX XXXX : XXXX XXXX : XXXX  Transunion : XXXX  ), XXXX XXXX ( XXXX : XXXX : XXXX : XXXX Transunion : XXXX  ), XXXX/XXXX  ( XXXX   : XXXX XXXX  : XXXX  Transunion : XXXX  ), XXXX/XXXX   XXXX : XXXX XXXX : XXXX Transunion : XXXX  ).

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  : notice wrong amount for Primary Mortgage balance with XXXX XXXX. Reporting states {$260000.00}. Updates balance is {$250000.00} XXXX  : Same with XXXX. Wrong balance reported. Should be {$250000.00} Transunion : Same with Transunion. The XXXX XXXX Primary Mortgage ( not ELOC ) balance should be {$250000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect report in my account from XXXX XXXX XXXX XXXX 
I have never used XXXX XXXX in my home and I have never stayed in the addressed.
Product: Debt collection

Key 2 Recovery calls incessantly every few months claiming that I have unpaid student loan debt to XXXX XXXX University of about {$3000.00}. I called XXXX XXXX University and confirmed that I have no outstanding debt and that they have never forwarded any of my information to Key 2 Recovery. I have informed Key 2 Recovery of this multiple times but still receive phone calls. They either have me confused with a different student of the same name, or are falsely claiming that I owe debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Unsubscribe Sat, XX/XX/2020, XXXX XXXX XXXX XXXX notified me of a change in my credit report. I called the phone number several times no answer did leave a message and followed up with a letter in response to the company not notifying me directly before putting this on my credit report. A copy of the letter is attached and it was removed from my credit report for them to now put back on the XXXX and Experian credit reporting. 

I am disputing this collection because you posted this on my credit report on XXXX XXXX which means it was posted then you started the process way before without contacting me directly. There would be no reason you could have not reached me directly.

My address and numbers are listed, and I would think the company gave you, my information. Which has not changed in 3.5 years. You need to remove this notice from my credit report and address that first. I have already filed a complaint with XXXX and XXXX. 

After this covid, it and they now went ahead and put it back on the reports again. without contacting me. So again debt was addressed and removed and then put back on again with again a later date.
Product: Credit reporting or other personal consumer reports

In according to the fcra Section 605B it is is illegal to report information on my credit report without my permission thank you please remove this from my credit report now. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX