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

XXXX, XXXX and Experian are reporting collection accounts on my credit report from collection companies who are not authorized to collect in the state i reside which is North Carolina. Furthermore these 3 credit reporting agencies have failed the grave responsibility imposed upon by Congress of the FRCA, 15 USC 1681 Sec. 1681. Congressional findings and statement of purpose ; 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
Also, Might, I add the 3 credit agencies have also violated my right to privacy.I believe is in violation of my right to privacy as outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. 



Specifically, I did not provide written instructions to authorize the reporting of certain information on my credit report. 



IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS AS TO WHOM IT RELATES, I DIDNOT PROVIDE WRITTEN INSTRUCTIONS FOR THESE ACCOUNTS TO BE ADDED ONTO MY CREDIT REPORT. 



DID YOU THE CREDIT REPORTING AGENCY ENSURE PERMISSIBLE PURPOSES WERE GRANTED BEFORE REPORTING THE ACCOUNTS? 



WHAT DOCUMENTS DO YOU HAVE TO SHOW PROOF PERMISSION WAS GIVEN TO REPORT THESE ACCOUNTS? IF NO PROOF CAN BE SHOWN THEN THESE ACCOUNTS ANS RECORDS WERE REPORTED WITHOUT CONSENT.

WHERE ARE THE 3 DISCLOSURES STATING I GAVE PERMISSION FOR THE ACCOUNTS TO BE REPORTED?

NO CONSENT IS IDENTITY THEFT, AS IT RELATES TO PERMISSIBLE PURPOSES.

YOUR COMPANY IS IN VIOLATION OF SEVERAL CONSUMER LAWS.

PER 15 USC 1681 A ( 4 ) RIGHT TO PRIVACY. I DIDNOT GIVE ANYONE PERMISSION TO SELL MY INFORMATION TO A 3RD PARTY. 



YOUR AGENCY DIDNOT EXERCISE A GRAVE RESPONSIBILITY TO PROTECT MY PRIVACY AND ESSENTIALLY VIOLATED MY RIGHTS ACCORDING TO 15 USC 1681 A ( 4 ). I DIDNOT PROVIDE ANYONE WITH PERMISSION TO REPORT THIS INFORMATION. AS A CONSUMER THIS IS A FEDERALLY PROTECTED RIGHT TO NOT HAVE THIS INFORMATION DISCLOSED ON MY CREDIT REPORT AND I AM DEMANDING TO HAVE THE FOLLOWING ACCOUNTS AND RECORDS REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 



PLEASE REMOVE THE FOLLOWING ACCOUNTS AND PUBLIC RECORDS FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX {$130.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX 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

Investigate the way this account is reporting. All the bureaus was reporting this account AMERICAN CREDIT ACCEPT XXXX was reported to be 30 days late, yet the balance is zero and the status is closed. How come that this account reflects to be late?
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. XXXX, TransUnion, XXXX XXXX XXXX, and XXXX, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which underscores the Congressional policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information. 

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. XXXX, XXXX, TransUnion, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to XXXX, XXXX, TransUnion, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law. 

Further, 15 U.S. Code 1681s2 ( A ) ( 1 ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. XXXX, XXXX XXXX XXXX, TransUnion, and XXXX, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e.

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.
Product: Consumer Loan

I believe that I have been a product of predatory lending XXXX XXXX XXXX XXXX and currently goes by the name of Bridgecrest. I purchased the vehicle from them in late XXXX for XXXX. I have been paying on the vehicle since then and as of today 's date I have already XXXX. The company states that I still owe XXXX dollars which is predatory. I was never told that I would be paying of XXXX for a vehicle that was work less than XXXX upon purchase. The sales person also stated that I would be able to pay the vehicle off early but when I called the lender they stated that I could n't. The sales person also stated that I would be able to refinance the vehicle with the lender and when I called to try and refinance they told me that I also would n't be able to so. When signing the papers the sales person had me thinking XXXX thing but eventually turned out to be a bunch of lies and untrue sales tactics. I have already paid for this vehicle more than twice and they said I still owe over XXXX dollars for a XXXX XXXX XXXX XXXX with XXXX XXXX miles. Research indicated that this company has been predatory with there loans and tactics for many yea years to make astronomical money and taking advantage of customers. I want my money back for inappropriate sales tactics and predatory interest rates. This is injustice to all consumers. They need to be shut down.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXXXXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Debt collection

The Apartments that Evicted me originally filled for {$6900.00} & I had to call & let them know that was incorrect. 

I have another Tenant Ledger from the apartments saying I owe {$3600.00}. 

I have on the court records that I only owe {$2900.00} I have submitted this information to the debt collectors as well & I also informed them no where in my lease that I signed did I give permission for my information to be sold to them & they said its written into my lease & neither the apartment or debt collector have sent me this information that I have asked for. The Debt collectors also mentioned that XXXX XXXX XXXX XXXX XXXX  & GENESIS CREDIT MANAGEMENT work together but XXXX XXXX XXXX XXXX  told me they sold my information over & that I dont pay them
Product: Student loan

On XXXX XXXX XXXX, I sent a debt validation document request in writing via certified mail to Navient my federal student loan servicer. I requetsed all the documents in Navient 's possession concering their serving of my federal student loan, including but not limited to all documents executed by me and their valid serving agreement with my original lender. Navient refused to comply with that request. On XXXX XXXX XXXX, Navient errenously responsed by letter in reponse to my validation of debt by documents request stating " I did not give them enough information for a credit reporting investigation ''. My original request was not a credit reporting dispute request. It was a letter in response to a letter I received from them with imprpoer accounting attached to it. 

To date, I have not received any of validation documents, I requested on XXXX XXXX XXXXXX/XX/year>. Navient is now COMPLETELY BANNED FROM SERVIING FEDERAL STUDENT LOANS. However they have not cease collection efforts : The law clearly states If the creditor can not validate the debt, they must cease all collection efforts until proper validation is provided. As of today Navient is not only continuing to claim they have the right to service my federal student loan by reporting this unvalidated debt on my credit report. I am also still receiving harassing letters from Navient and phone calls from the company attempting to collect a debt. They reported on my credit report the day after CFPB settlement was made public. Making it evident Navient 's bad acts against borrowers has NOT been detered by the action recently taken against them. They know they are banned from servicing Federal student loans, yet they uniltaerally are ruining borrowers credit by reporting information to the 3 major credit companies errenously as the servicer with legal right to do so.
Product: Credit card

My U.S. Bank credit card was charge {$130.00} on XX/XX/2023 and {$360.00} on XX/XX/2023. I approved both of these charges through XXXX XXXX XXXX purchasing online for a total of {$500.00}. 

Then on XX/XX/2023, my credit card was again charged {$360.00} as a fraudulent/duplicate charge. I called U.S. Bank right away and started a fraud claim since I didn't not approve a 3rd charge and did not make another purchase besides the original 2 purchases. U.S. Bank started the fraud claim and gave me a provisional refund of {$360.00}. 

XXXX XXXX  XXXX does not show any 3rd transaction or duplicate transaction of any kind from XX/XX/2023 in the amount of {$360.00}. XXXXXXXX XXXX XXXXXXXX only sees the first 2 transactions that I purchased and approved of {$130.00} on XX/XX/2023 and {$360.00} on XX/XX/2023. XXXX XXXX XXXXXXXX does not see any transactions on XX/XX/2023 for the additional {$360.00} in their system per the XXXXXXXX XXXX XXXXXXXX customer service team member on the phone. 

U.S. Bank provided me with the signatures from the product delivery for the XX/XX/2023 and XX/XX/2023 transactions, but did not provide me any documentation for the {$360.00} charge on XX/XX/2023. U.S. Bank also did not provide transaction information that was readable when I requested a copy of their findings be emailed to me. 

XXXXXXXX XXXX XXXXXXXX states that since they couldn't find the delivery confirmation for one set of flowers, XXXXXXXX XXXX XXXXXXXX credited me {$260.00} from the original charge of {$360.00} on XX/XX/2023. U.S. Bank took this as a partial credit towards the XX/XX/2023 charge, and then U.S. Bank charged me again the {$260.00} on XX/XX/2023, even though the XXXX XXXX XXXX credit XXXX XXXX XXXX was refunding on the original purchase and payment made on XX/XX/2023 and not the 3rd fraudulent/duplicate charge on XX/XX/2023 since XXXX XXXX  XXXX has no transaction on their side of the 3rd charge on XX/XX/2023. 

I have talked with numerous U.S Bank employees on the phone regarding this issue and asking that the fraudulent/duplicate charge be removed since I did not purchase anything for the 3rd charge and I did not approve that charge. I have also tried to explain to several U.S. Bank employees that the credit from XXXXXXXX XXXX  XXXX was intended by XXXXXXXX XXXX XXXXXXXX to be credited to the original purchase on XX/XX/2023 and not the fraudulent/duplicate charge on XX/XX/2023. The U.S. Bank Visa credit card team member manager XXXX screamed at me on the phone and stated I must write or fax the Office of the President to be able to speak to her boss regarding this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX {$1200.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

In XX/XX/XXXX I took out student loan with XXXX. It was for XXXX. But after about 3 weeks and XXXX allotment of XXXX was paid to school I got JOB with XXXX and no more money should have gone to school. I ignored it, then in XX/XX/XXXX is was injured at work and was placed on XXXX and my income dropped below poverty line and in XX/XX/XXXX I took XXXX loan discharged from XXXX. Then in XX/XX/XXXX XXXX XXXX started billing me for total amount of loan XXXX. I sent copy of discharged loan then XXXX and XXXX bought loans and they have been reporting on my credit report and ruining my credit. They continue to call me every morning eastern time. I live Pacific time. I have reported to XXXX and they show XXXX balance as it should and then it shows XXXX with late payments and XXXX balance. I also reported FRAUD against school
Product: Student loan

XX/XX/XXXX from the previous loan servicer XXXX advised {$0.00} due as recorded in the statements attached. After XXXX, Services were in a transitional period till XXXX to EdFinancial. 
Payments made from XXXX and not transitioned to EdFinancial or show past transactions : XXXX : XX/XX/XXXX - {$100.00} Payment Processed XX/XX/XXXX - {$100.00} Payment Processed XX/XX/XXXX - {$100.00} Payment Processed XX/XX/XXXX - {$100.00} Payment Processed XX/XX/XXXX - {$100.00} Payment Processed EDFINANCIAL : XX/XX/XXXX - {$50.00}, Payment reversed XX/XX/XXXX of the same transaction. 
XX/XX/XXXX - {$300.00}, Payment reversed XX/XX/XXXX of the same transaction. 
XX/XX/XXXX - {$300.00}, Payment reversed XX/XX/XXXX of the same transaction.
Product: Debt collection

On XX/XX/2023, Firstsource Advantage , LLC sent me a letter purporting to be a debt collector attempting to collect an alleged debt from me. {$760.00}, but will settle for payments totaling {$390.00}. XX/XX/2023, I sent them a letter disputing this alleged debt, a cease & desist collection attempts, an invoice for FDCPA violations contained in the letter, and a pre-arbitration demand.
Product: Credit reporting or other personal consumer reports

Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost XXXX XXXX XXXX paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Product: Money transfer, virtual currency, or money service

CFPB My name is XXXX XXXX and I am a customer of Square with email address XXXX I want to bring to your reputable attention that square is running a bad business full of criminality and holding of customer funds for years without refunding customers upon account closure. 

This is a breach of agreement from square, and their company needs to be shut down for such violations on how they treat customers as I believe that I am not the only one Square us doing this to On multiple occasions, I reached out to Square to escalate this issue for a resolution, but I never received any information. 

Please note that I have 100 % legal ownership of my business and I am entitled to my funds on my square account. 

I had continued to follow up but I have never received any resolution since XXXX  and this ongoing lack of resolution from Square is unacceptable.

And because of this, I am requesting XXXX assistance in resolving this matter as square keeps saying that they are not able to provide any information. The is unacceptable. 

I am attaching documents showing the balance I have on my Square in the amount of {$4400.00} which I have not been able to withdraw to my bank account since XXXX that Square closed my account. 

I do not have any pending dispute which could warrant square from holding my funds. 

I am also attaching a document showing that the last dispute I had on the account was finalized on XX/XX/year>. 

I am also attaching another screenshot proof showing the last day I did a transaction on my Square account which was on Wednesday XX/XX/year>. 

You could see that since XX/XX/year> after my Square account was deactivated, square has decided to withhold my funds for over 2 years now without releasing to me and without any justifiable reasons. 

I have 100 % legal ownership of my business and the funds I got into my square account on my name and I need my money released to me. 

Square is fraud and they are thieves.

I need Square to make my money available and remove the hold they placed on my funds since XX/XX/year>. 

Square recently told me that the reason they are holding my funds is because they are putting my money in reserve to cover chargeback. I will attach where they said so. 

They are thieves and their license should be revoked because I do not have my chargeback on my account and there is no open dispute since XXXXXXXX so why are they lying and holding my funds for over 2 years now? 

Please revoke their license because they are running a criminal organization. 

I will attach a response where square said they are putting my funds in reserve to cover chargeback. I do not have any chargeback on my account
Product: Payday loan, title loan, or personal loan

stop payment from my bank on XXXX for cashnetusa. On XXXX the debit my account for the {$190.00}. Went to XXXX XXXX XXXX and ask the cashier why did it go through she said they used a different number than the one I stop payment on. She said there nothing they could do.
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 Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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: Checking or savings account

For months I have given Wells Fargo the benefit of the doubt because I have been with them for so long. This is why I was hesitant with opening up a business account with them. Ill continue to handle my business banking else where full time. This time it is concerning my personal checking account. I do have things come out of my account all of the time and I go into the negative, just like every other working American, I am human, but I also make my account current within minutes of me noticing my account is negative, literally minutes, they charge me XXXX $ overdraft then use computer based system to generate half of my funds back which leaves me with XXXX $ every-time. They are taking advantage of me and I am tired of the treatment. They also let people go into my account without authorization and steal my money, I have disputed items with Wells Fargo and they have failed to return my money and use poor excuses to keep from giving me my hard earned money back. I will be closing my accounts, checking, savings & business account and taking my XXXX $ salary to my credit union , I am sure I will be respected far more than now. I have never disliked a bank more than I do Wells Fargo.
Product: Consumer Loan

I PAID THE BALANCE OF THE CONN 'S ACCT IN FULL ON XX/XX/2016- # 1 ACCT # XXXX PAID IN FULL - {$160.00} AND XXXX SETTLEMENT ON PAID IN FULL - {$470.00} - CONN 'S APPLIANCE IS A CONN, THEY CALL AND CALL AND OFFER A SETTLEMENT ON PAYING THE BAL AND WHEN YOU PAY THE FULL BAL ON THE ACCOUNT, THEY SEND TO 3RD PARTY COLLECTION AND NEVER UPDATE CREDIT FILE WITH BUREAU, CONN ARTIST.
Product: Student loan

I have been trying to get a IDR and loan forgiveness for a year now. Each time it is denied need this paper that paper, to which they already have it is never ending. 

I cant keep doing this with phone calls and paperwork. Its exhausting to say the least I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX continues to report this unverified erroneous item on my credit report after multiple dispute attempts. The latest dispute attempt was initiated XX/XX/2019 with all three bureaus and was " verified '' to be correct. Not only is this charged off account reporting a past due balance for all the bureaus but the last active dates are different between the three bureaus. The payment history is also incorrectly reported with all three bureaus. If the information is correct it should not be so reported so inconsistently between the three bureaus.