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

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX 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 a account without my written instructions.
Product: Student loan

I was a XXXX student at XXXX XXXX College when they closed down making them in breach of contract. I never got to complete my degree. When we were in enrolled we were told that we would need to take out a private loan to cover the remainder of the balance. We did this and the private loan went directly to the school never touching my hands. I did not request a stipend check for living so this private loan was solely for the school. In XXXX of 2016 XXXX XXXX in XXXX XXXX closed down and left us with all of these loans. I have called the lender and they stated I would still be responsible for the loan even though XXXX XXXX was in breach of contract. I have given up so much and missed out on so much for this school. I will have to restart my program elsewhere and put my life on hold for another year or so. I do n't believe I should be held responsible for this loan at all being that it went to the school not to myself. I stopped working so I could concentrate on school I feel like I had given my all for nothing. XXXX XXXX convinced me to get the loan out. I did n't even know it was growing interest while I was still attending. I feel that XXXX XXXX breached their contract so I should not be held responsible for this loan or at least not the full amount. While I was attending school I was making monthly payments to the private loan as instructed by the school. XXXX XXXX made it known that we would not be able to attend scho and would be dropped if payments were not made monthly. I consider myself uneducated on the whole private loan and interest thing. I was supposed to finish school this XXXX. Now I am set back. I really hope that I can receive assistance on this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

PENALTY OF PERJURY 'Violations of 15 USC 1692g ' '15 USC 1692a abusive and profane language ' '15 USC 1681b- Permissible purposes of consumer reports ' I sent letters on 05/17/2021 citing violations of 15 usc 1681b . I have never gave written consent to report any of the accounts listed below. 
XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX I will be sending an invoice for {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name is XXXX XXXX, and my only address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I should not have any company for employment on my credit report but it shows mutiple ones, names, and address that should not be there. My personal information is simply as stated : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. 
NO OTHER NAMES, ADDRESS, JOBS, OR ACCOUNTS SHOULD BE ON MY CREDIT REPORT AND PERSONAL INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit from these accounts.
Product: Student loan

I am a student loan borrower. and graduate. 
XX/XX/XXXX : -I applied for PSLF, in order to take advantage of the Waiver which would count my previous employment, previous payments AND forbearances credits as stated by the federal government ( attached ). My loans are from the year XXXX all the way through XXXX. I have had many forbearances, which should be credits. 

XX/XX/XXXX : -I applied for IDR, to have a payment plan according to my income and within the 10 % max per pay check, as has been recently discussed by the White House . 

XX/XX/XXXX : -I uploaded my current employer information ( same employer that I worked for 15+ years ago ) XX/XX/XXXX : -My IDR application was cancelled. I called to find out why. The Rep. Did not know and called another dept., He came back on the phone and indicated that the other dept., was annoyed with him for calling to inquire, saying " we didn't even send her a letter yet. '' The letter would be to explain why my IDR application was cancelled by them. <I still have NOT received any such letter>. 

XX/XX/XXXX : - I received duplicate letters ( 5 ) saying that my PSLF application was denied ( attached one ) -- -- -- - Reason given was that my current employer, XXXX XXXX XXXX XXXX XXXX XXXX is a FOR-profit -- -- -- - I also received one letter ( attached ) with a list of my previously approved employers that are NON-profits, and ironically, XXXX XXXX XXXX XXXX XXXX XXXX is at the top of the list -- -- -- - A company can not be both. So I used the PSLF Help tool ( again ) and confirmed that my employer is indeed a NON-Profit, which should qualify me for PSLF ( attached ). -- -- -- - I called and spoke with a Rep, who verified that the FOR-profit status is incorrect -- -- -- - She contacted her supervisor and they resubmitted my application -- -- -- - I waited about 90 days for that news and I have been in the process of waiting another 90 days -- -- -- - The Rep. also explained that my Past and Current Forbearance credits should be credited to my account and currently nothing has been credited to my account -- -- -- - It's been strange to see several that applied after me get approved while I go through this XX/XX/XXXX : I submitted a complaint with all this information with the XXXX, before I sought legal advice and was told that I should have submitted to CFPB to start. 

XX/XX/XXXX : I received a letter ( via my Mohela portal ) responding to my complaint and not addressing the actual complaint issues of ( XXXX ) my current employer being incorrectly disqualified as a for-profit, when in the same application, they were recognized as a NON-profit when I worked for them in the past. ( XXXX ) Clarity on my forbearance credits. Many colleagues that applied after I did have received these forbearance credits, and there has been no logical reason for me to not receive my forbearance credits. Both of these things were completely ignored. Without my employer not being acknowledged as non-profit, I would not qualify for PSLF. I took my current job ONLY because they were deemed eligible via the PSLF Help Tool.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, CHAPTER XXXX BANKRUPTCY There are also inquiries on my credit report that should not be there either : XXXX/XXXX-XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting or other personal consumer reports

You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the date last active and the last date reported. CREDIT SYSTEMS INTL has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed within 7 days. Please see the attached dispute letter which is dated and time stamped and remove this account from my credit report.
Product: Credit card

On or about XX/XX/XXXX  someone hacked into my XXXX account and posted XXXX seller listings that generated over {$5000.00} in sellers insertion fees. XXXX recognized the fraud and credited all but {$660.00} in fees to my account for this fraudulent activity. Despite repeatedly asking for the {$660.00} to be credited back to my XXXX account, XXXX failed to do so and an agent at XXXX told me on the phone to just file a dispute with my credit card company reporting the identity theft and fraud, and it should be no problem in getting credited back the funds. On XX/XX/XXXX  the {$660.00} charge appeared on my statement and I immediately contacted Barclays to dispute it on the basis of identity theft and fraud. At that time a temporary credit was issued and I received a letter confirming account closure due to suspicious activity. I received no further correspondence from Barclays until on or about XX/XX/, when I received a letter dated XX/XX/XXXX  stating that the matter had been resolved in my favor : ... '' after conducting our investigation, we have determined that you are NOT [ emphasis added ] responsible for the reported fraudulent activity ... '' Notwithstanding that, on XX/XX/XXXX  I was shocked and chagrined to find that despite the foregoing, my Barclays credit card was again charged the very {$660.00} that I was told I was not responsible for! I called Barclays customer service on XX/XX/XXXX  to see if such an obvious mistake could be immediately rectified, but the representative simply stated she would re-open the dispute and assigned me a case number. She requested I fax a copy of the very letter dated XX/XX/XXXX  that exonerated me, ( which clearly Barclays should have already had as they authored it ) along with information about law enforcement agencies I had reported the matter to. There was no immediate resolution in my favor as I had expected given the letter I had received. However, in the spirit of cooperation, I did provide fax to Barclays the requested information that same evening on XX/XX/XXXX and also followed up with a copy of the same correspondence by U.S. mail with a tracking number.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX I have closed my secured cc account. I contacted the CU and everything is good on there end. However, Experian and XXXX  are still reporting that I have a late payment in their systems. XXXX  is the only one with the correct information.
Product: Checking or savings account

I was using XXXX  to sell my jeans that somebody bought for {$120.00}. I sent them the jeans and they said they wanted a refund. I sent them the money back along with a label for them to send the jeans back. They never sent the jeans back. Chase wont help me and neither will shopify. I got scammed and i need help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER: XXXX  LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX  

 TO WHOM IT MAY CONCERN, THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX  WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT).

 AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM. THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES ( I.E EXPERIAN, TRANSUNION & EQUIFAX ) ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION- (I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION; (ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR (iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION. THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED TRANSUNION, EQUIFAX AND EXPERIAN ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802. IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; TRANSUNION, EQUIFAX & EXPERIAN IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL. 

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS. THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

 I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED; LATE PAYMENTS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT. THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

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

I've been in Dispute with Selene Finance since 2021. They've been reporting on my credit for the year as up to date. They even removed themselves off of the credit report in XXXX. I've not heard anything from the company then out the blue they pop back on my credit report stating that I am delinquent and that they were just the servicer for XXXX XXXX XXXX XXXX. Attached you'll find exhibits of Selene Congratulating me on the Pay off of my mortgage along with screenshots of the account removed off my credit. This is very frustrating.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Direct deposits from my employers have always been deposited on Tuesday 's. According to Chime bank the funds are deposited as soon as they are received by employers. My deposit was submitted on the same time of XXXX XXXX on Sunday XX/XX/2020 per my check stub and deposit slip. Chime has multiple users across the country requesting information on why they have not received this weeks deposits with only a general automatic reply as an avail. This company prides itself on 2 day early deposits and financial freedom ... and has had so many downfalls. No 2 day deposits, no financial freedom, and every other week their internal system are down to a point where you may or may not be able to access any of your checking/saving funds for days at a time. Chime either needs to uphold the standards of the many other legitimate and professional financial settings or should be immediately shut down until their CEO as well as their internal system is physically prepared for the magnitude of customers seeking the perks that they are seemingly false advertising.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank
Product: Credit reporting, credit repair services, or other personal consumer reports

This would be the third letter I have sent to this company on XX/XX/2020 with no solution or result. The information on my credit report are inaccurate questionable, and are incorrect. It is to my understanding the under the FCRA that all information on your credit report has be 100 percent accurate. They are not. Again, these accounts are inaccurate, questionable and unverifiable. The investigation has been going on for more that 60 days and no results.This is another violation. It is to my understanding that credit report bureaus have 30-45 days to respond to a consumer complaint which they have not. I am stressed because of this bureaus mistakes I have not be able to obtain an y new credit or establish any new relations. Please take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX The above inquiries were supposed to be soft inquiries rather than hard inquiries. I will like these to be dropped off my credit report
Product: Credit reporting or other personal consumer reports

Company has been reporting late payments and missed payments on my credit since XXXX, It is now XXXX, I explained that this has put me in a hardship far as finances and living situations but they stated they dont care. And will. 
Continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, 2019 with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
UTILITY SELF-REPORTED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I was in a public place when my belongings were swiped, phone & purse. I was told to tell him my pin aggressively. I left after in fear of my life. I was given my belongings back the next day by a relative who said they found it in a nearby park. 
In that time, this stranger accessed my cashapp, & sent {$300.00} to themselves. I requested a refund from the merchant, they of course refused. I filled a dispute with cashapp & have been denied. 

I requested documentation of a reason why my claim/dispute was denied. CASHAPP only reiterated that I was denied but without specific reason. They said they could not provide additional support on this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with Experian, XXXX and XXXX asking to send me verifiable and accurate information. They didn't do that. Instead they sent me the same thing that was said online. 
They violated my rights and I am extremely angry. I read that in 15 U.S.C 1681 Section 604 A Section 2 it says that a consumer reporting agency can not furnish a account without my written instructions. I asked for that information and they didn't send me that either!
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Customer Service USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear USAA Customer Service, I hope this message finds you well. I am writing to formally request the removal of all late fees charged to my account due to my recent XXXX  XXXX and ongoing XXXX. As a loyal USAA cardholder for over XXXX  years, I have never previously requested that fees be waived, and I have always strived to maintain my account in good standing. 

Unfortunately, my current circumstances have made it difficult for me to manage my finances as I normally would. Being XXXX has added significant stress and challenges, and my XXXX further complicates my ability to stay on top of my financial obligations. 

I kindly ask that you consider my situation and the loyalty I have shown to USAA over the years. Given my history as a responsible member, I believe that waiving these late fees is a reasonable request under the circumstances. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX : XXXX last XXXX of accoount # XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX