23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
Please remove the following items from my credit report, immediately. 
DISCOVER BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing an incorrectly reported item on my credit report with Experian an XX/XX/XXXX. I initially requested validation of a reported debt with XXXX XXXX in the amount of {$520.00}. On XX/XX/XXXX they sent me an updated credit report stating the debt had been verified as requested and updated accordingly. They never sent me anything bearing my signature as requested. They did however update the entry on my credit report as disputed. I once again sent another letter requesting validation on XX/XX/XXXX.  They sent me another credit report on XX/XX/XXXX stating the item was validated, updated as such and remains on my credit report. On XX/XX/XXXX I called Experian and spoke with a lady named XXXX. I asked her what documentation does Experian possess to prove that this is indeed my debt? She responded by telling me we do not have anything nor are we required to maintain any documentation. Can you imagine how much storage wed need to maintain documents for every persons credit file we maintain? I told her that Experian is in violation of the FCRA section 611 ( a ) ( 1 ) ( A ) by not doing so. She told me there is nothing she can do for me except file another dispute. Experian has failed to validate this alleged debt on more than one occasion. Their failure to maintain accurate reporting on my credit file is hurting my credit score and my ability to qualify for a mortgage.
Product: Money transfer, virtual currency, or money service

I wired {$30000.00} into my account on Robinhood. They allowed the same. Then I bought ETH for the same amount. They allowed that and charged fee for the same.

However, when I needed to transfer the ETH to a different exchange, they are giving me trouble. Last month when I did the same, they delayed it a lot, but in the end allowed me to transfer unlimited amount.

This time however, for whatever reason, they are restricting transfer to {$1000.00} maximum per day!!!. At this rate, it will take me one month to be able to transfer the amount I need to transfer. This is not acceptable and this is my money that they are holding on to. This will deny me of the opportunity to make investment in appropriate time. Thus they are causing me trouble. 

I spent half of the day calling them and discussing the issue. However, no customer service rep nor the representatives in fund handling, no one was able to resolve. When I asked for the reason, they said it was individually set and they can change terms at anytime. But I have not received any intimation either in the app on the phone, email or phone call. Then I asked for me to be connected to supervisor, which they denied. When I said I have to speak to the supervisor, they said they will pass on the message and that the supervisor would call me back with in dew hours. I have waited since almost XXXXXXXX XXXX for call and they have neither returned my call, nor they give time by when they will call and no email either. 

Very frustrating and illegal practice of holding on to customer money without reason. They act like kings that have authority to treat customers this way. 

They close the chat without reason, So I requested for a return phone call. Spent close to an hour discussing the issue on phone, still no resolution or follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter on XX/XX/2020, asking for correction of my pervious address listed on my report. I already sent you a valid copy of my driver license and Social Security card as proof. So, you should have it on file. This is my second request for correction as this information. As this information on my report is hurting my financial situation, which is causing me pain and suffering. I will seek legal action if this matter is not corrected. Please see below. 

Please delete XXXX XXXX XXXX XXXX, XXXX, TX XXXX as this is a business of XXXX XXXX and not a personal address. Please see proof enclosed. 

Please delete XXXX XXXX XXXX, XXXX XXXX, La XXXX as this was never my home address. 

Please delete this address from my report. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau
Product: Payday loan, title loan, or personal loan

Applied for a Title loan with TitleMax. We were approved for {$1100.00} only. The Employee that handle our paperwork however, lied to us about the interest rate. We were told there was no interest rate and that we would only have to pay the {$1100.00} back and late fees if we were late making a payment. We signed a paper contract with the employee. We continued to pay the company every month since XX/XX/2022. We ended up overpaying the company {$1200.00}, however our account balance never went down it remained the same. The employee who handle our paperwork, ended up leaving the company and there were several other complaints from other customers about the same thing. We were informed of this by other employees at the company. We have been receiving harassing phone calls, threatening to repossess our vehicle. We were told by one employee that they had a 300 % interest rate, and told by another that the interest rate was 15 %. We were bidded into this contract under false pretenses. We also spoke to an employee today via telephone and she informed us that our signatures wasn't on any of the paperwork. So basically we have been overpaying for months and being harassed for months from a company that doesn't even have any paperwork on us. We made payments online and in-person. We just really need help because the money we have been giving them could've been used on our XXXX children or us moving and finding a place. We are now on the verge of being homeless because we had to pay this company because we needed our vehicle for our children and our own personal health reasons as well. I've inserted screenshots of payments made on line from the Titlemax, the other payments were made in-person and paid in cash.
Product: Credit reporting

This is the second time the same company by the name of XXXX XXXX posts a collection on my credit report. This account # XXXX is not mine with a balance of XXXX. It is a result of identity theft. Experian has a police report in their files regarding my identity theft. I submitted my dispute explaining this and the result was an update which did not change the reporting of said account. 

Also my experian report has an also known as : XXXX XXXX. 
This is not my name, I have never applied for any credit under this name. This is not my name this name is there are a result of identity theft. My police report also lists the aliases that are not mine.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

National Credit System - XXXX - is reporting on my credit report for an account that was erroneous and already paid through my deposit. This should have never went to collections and I am currently in the process of taking them to court. 
It is paid already but it was sent in error and I am still fighting it with the original creditor as they are known for this type of practice
Product: Credit reporting 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. 

Account Number : XXXX is stating that it is 30 days or more late. This account has never been late. This account is also reporting differently on all 3 credit reports. There is a discrepancy in the last activity, payment status, payment history, as well as other areas. I disputed this information with XXXX, XXXX, and Experian. They said that the information was verified and accurate. I do not understand how it could be verified, if it's not accurate and incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 1681 Section 602 A : States that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account in question : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, 700 CREDIT/XXXX XXXX and on XX/XX/2020, XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

this company claims that I owe them a debt, and put a negative mark on my credit report. I sent this company a debt validation letter to have them clarify this debt. the company called me and left a voicemail stating that if I don't answer the phone, they wont validate the debt. According to the fair debt collection practices act sec 809 once a debt is disputed, it must be validated. so ignoring this letter is a violation of the collection practices act. I would like everything documented in writing.
Product: Vehicle loan or lease

Option was not included in selections. I am having the problem of Ally Financial contacting my parents, aunts, uncles, and cousins. I have recently taken a severance package from my work. I am not currently working since then and am waiting for my severance pay. I have told them that is what i am waiting for to pay it and that it would be within 2 weeks and they keep calling all of my family multiple times a day every day and have been told to stop calling from my family members.
Product: Debt collection

I have received threatening calls from a collection agency about an apartment I moved out of on good terms. I did not get a letter or email explaining what I owed or how to resolve the matter. Over the past few months the amount has gone up
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft and a fraudulent hard inquiry on my credit report on XX/XX/2020. CBNA ( Citibank ) was the lender involved, and XXXX was the Credit Rating Agency. I have tried multiple times to have the inquiry removed, but it has been extremely difficult to do so. XXXX insists that I must have a deletion letter sent from CBNA to XXXX to have the inquiry removed. However, given I am not a client of CBNA, it is extremely difficult to get in touch with them. For example, almost every 800 # of Citi that I call, an automated system asks me for my credit card #, account #, or social security #. The only problem with this is that I have no accounts with CBNA, thus it is extremely difficult to get in touch with them over the phone, making it impossible to have them contact XXXX. Despite this, I was able to reach the correct department at CBNA twice in the last six months. Each time, they assured me that they will reach out to XXXX  to have the inquiry removed. I even received two separate confirmation letters in the mail from Citibank that two separate requests to XXXX had been made, one in XXXX and another in XXXX. Still, XXXX insists that they have received nothing and says there is nothing they can do to remove the inquiry. I filed a dispute directly with XXXX in XXXX, and the results of the dispute report, once again, that I must speak with the lender to resolve the issue. 

So it is a Catch 22 for me. I can't have a hard inquiry removed from my credit report unless I ask the lender to contact the Credit Rating Agency. And it is next to impossible to get in touch with the correct department at the lender given I am not a current client. Meanwhile the hard inquiry remains, adversely affecting my credit rating, and I have spent many many hours on the phone over the past 6 months trying to have this issue resolved. 

Attached are two letters I have received from CBNA as well as a result of my XXXX dispute in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Company constantly calls both numbers, speaks very harshly. Very rude and constantly calls from spoofed numbers. There tactic is to attack they are not trying to help you and the company is a bully.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Payday loan, title loan, or personal loan

On XXXX I made a payment of {$190.00}. On the reverse side of the bill it stated that I could make a " principal only '' payment to save money. I followed their instruction and paid {$190.00}, the receipt said my balance was a total of " {$5700.00} ''. When I made my payment the following month ( today XXXX ) the balance went it to XXXX. She stated it was because interest payments need to be made with principal only payments. That was never told to me. Furthermore it doesnt make sence for me to pay my bill, only for it to increase the next month. I feel they do this intentionally to charge more money.
Product: Student loan

A few weeks ago, the XXXX XXXX XXXXXXXX published an article about my student loan lender Navient, formerly XXXX XXXX. In a nutshell, XXXX XXXX XXXX and others had accused Navient of engaging in predatory and misleading lending practices. The article included included a link to an official form from Navient to apply for a discharge of your loans. After filling out the XXXX page form and pleading my case, I was denied. The response from Navient was this : " Your loan type does not meet the criteria for you to receive an application, because the funds were sent directly to you ( not your school ). '' My mother and I have been struggling with this loan for over a decade. The interest rate is oppressive and I would no have accepted this sum of money had I had any idea of the nature of the agreement I was entering. I believe I was duped into taking on his loan without the proper time to discuss the agreement with my family. I was XXXX XXXX XXXX at the time of signing this agreement with very little knowledge of the financial system. 

I would appreciate any help in this matter.
Product: Credit reporting or other personal consumer reports

I have addressed this dispute on XX/XX/ with XXXX, XXXX, Experian and to no avail neither have resolved this after receiving my documents. Which is why I'm attaching this complaint as told by the credit bureas
Product: Consumer Loan

I attempted to make my payments through my XXXX XXXX XXXX account in XX/XX/2015 and XX/XX/2015 in which for two months it was returned because this form of payment was not accepted by Synchrony Bank. So when I became aware of this situation, I made two payments within one month in order to bring my account current. I asked that as a courtesy to me that the {$35.00} fee would be removed. I was told that they would honor that in which that has not happened. Also, Synchrony keep accessing {$35.00} each month to my account although I am making my monthly payment of {$100.00} on the XXXX of each which is my due date for each month. Not to mention they are reporting as late for three months which is not the case and that is affecting my credit score. I am not late until 30 days and that has not been the case since XX/XX/2015 but they continue to report me late each month and charge a {$35.00} late fee for each month. These practices are unlawful and I wish these practices to be corrected on my behalf.
Product: Credit card or prepaid card

To whom it may concern, Have had a citicard credit card for years, never have had late payments, always paid more than minimum payment, noticed when in looked at end of year report that I was being charged a debt protection fee which I never signed up for, mind you I had not used the card in years, i was just paying the " balance '' off, when I noticed the fee I contacted citicards and I was given the a # to call, I stated my case and was told to wait for a response through the mail, never received one, so I called again and after a few weeks received a letter that stated that they could not refund any of the debt protection. Reading about others in the same predicament, the same excuses I was told, that I had signed up for it, eventhough I never recalled doing it, that it has been so long ago that they do not have a record of it and so forth ... the debt protection fees are probably in the few thousand dollar range, I had not used the card in years, just paying it off.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 DEPT OF ED XX/XX/2023 DEPT OF ED XX/XX/2023