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

The attached transcript clearly states that my XXXX XXXX was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due. '' It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period. '' ( see highlighted section on page 3 of  attached XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX XXXX XXXX  ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. ED/XXXX  has incorrectly reported two separate trade lines beginning with account # XXXX as late on XX/XX/XXXX and XX/XX/XXXX which has negatively impacted my credit ( Page 9 and 10 of attached credit report ). As per the FCRA incorrect information must be deleted as also per the FCRA I have a right for all information on my credit report to be correct ( see highlighted sections of page 7/8 of attached XXXX ).
Product: Money transfer, virtual currency, or money service

Hello I Would Like To Be Reimbursed For My Money On Zelle There Was Unauthorized Transactions On My Account Also I Was Sent Money In XXXX That I Did Not Recieve And One Transaction In XXXX!!
Product: Payday loan, title loan, or personal loan

In 2012 I had a family emergency and applied for a payday loan I heard the advertisement on the radio with the company Cash Call. After providing my personal information I was approved for {$2600.00}. I was in distress and had limited alternatives and at the time I did not fully understand the terms and ultimately was not able to repay the loan as Cash Call terms required. Turns out the loan was interest only throughout the term of the loan and required me to pay very high interest rate over the term of the loan for many years without any reduction in the principal loan balance. The high interest rate of 90 %, was oppressive loan terms, protracted repayment time made it impossible to pay. Cash Call radio advertisement misled me and I was victimized and setup to default. The outstanding principal balance is barely reduced and they continued to add late fees, and insufficient fund charges. After I fell behind in payments Cash Call began coercive collection calls to me demanding payment. 

Cash Call made frequent and repeated harassing telephone calls to me, my place of employment, multiple times a day, for days or weeks in a row, demanding payment. Cash Call used aggressive tactics, including abusive tone and language, harassing tone and language. 

Cash Call reported this loan to the credit bureaus and with my inability to repay the loan at an interest rate of 90 % it has impacted my credit and it is reflected in Background Checks that continues to negatively impact my ability to gain employment leading to another obstacle impacting my ability to repay.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit profile from XXXX, XXXX, TransUnion. 

XXXX 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

I opened a U.S. Bank business checking account in XX/XX/year> with a promo code that would credit a {$750.00} bonus after depositing ( within 30 days of opening account ) {$25000.00} and maintaining that balance for at least 60 days. 

I have not been credited with my bonus according to the terms and conditions. The bonsu should have been credited at the end of XXXX.
Product: Debt collection

Franklin service inc opened a collections on credit report for an XXXX XXXX XXXX account that was paid off in full 2 years ago that showed up on credit reports on XX/XX/XXXX for {$160.00}. I filed a dispute with XXXX who it first appeared on.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report, I noticed there were 2 accounts listed that are not mines. Here are the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt or credit management

Remove reports that are not made by myself. These are absolutely not my debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Bank-XXXX  to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.
Product: Credit reporting or other personal consumer reports

I sent a letter certified mail to XXXXXXXX XXXX XXXXXXXX via certified mail. I have yet to get a response letter or correction of my credit report. On XXXX it is listed as deleted but still appears on my report. Looking for immediate correction.
Product: Credit card or prepaid card

XX/XX/XXXX I checked my account online with CapitalOne Credit card that I have had sinceXX/XX/XXXX I have had excellent credit with them and have always kept a credit " limit '' of only {$1500.00} as I DO NOT wish to get into debt but keep this card for the purposes of increasing my credit score. When I went online today I noticed that we had an " increase '' in credit limit by {$2500.00} which we DID NOT request and when I called to find out why the lady on the phone claimed that it was standard that they proactively increase consumers credit without their permission to assist with emergencies, I also did a chat with them which I can attach as a pdf file to show that they had intentionally wanted to keep me in a higher debt ratio WITHOUT my permission to increase my limit, they had threatened to remove it and lock my account for 5 YEARS. I spoke to XXXX XXXX in Virginia who was very rude and said they would lock the account and then XXXX XXXX and XXXX who all claimed that they can increase our limit without our permission. This is now effecting our credit rating as we keep our debt to income ratio low and now they have increased the credit line which does in fact effect our score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus as well as XXXX  XXXX XXXX to remove this fraudulent closed account that was opened under my name and with my information. I disputed many times and no results. I kindly ask for the removal of this account from all my credit bureaus and my history. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX are NOT my accounts. Please REMOVE THESE ACCOUNTS AND THE NAME XXXX XXXX OR XXXX XXXX XXXX. MY name is XXXX XXXX XXXX Also please IMMEDIATELY REMOVE THE FOLLOWING INQUIRES WHICH ALSO ARE NOT MINE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have disputed an account for XXXX XXXX on my credit report several times for several reasons with Experian and they keep updating the information as valid. The issue is XXXX has settled a lawsuit with the attorney general due to their predatory lending and other bad business practices from consumers who purchased car loans with them from XXXX. I am a victim of their predatory lending and other bad business practices. XXXX XXXX XXXX
Product: Checking or savings account

Paypal sent me an email stating someone charged XXXX on my account and to call to get help. He wanted to refund my money and the next thing that happened was instead of putting XXXX back, he put XXXX and he said I could not transfer the money back and that I had to buy gift cards to make up the XXXX. I went to XXXX and got XXXX XXXX gift cards with my bank card and XXXX XXXX XXXX gift cards, XXXX. Then went to XXXX and bought XXXX XXXX gift cards and paid cash for them. Before I realized what was happening, I scratched off the # on back of the cards, took a picture of the cards and emailed them to him. After I realized what was happening, he got the XXXX XXXX cards and XXXX in XXXX XXXX  cards. I called my credit union and asked them to freeze my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid saving account ending with XXXX for {$5.00} and paid the checking account ending with XXXX for {$130.00} with settlement. The debt still being reported as unpaid ; when it's paid. 

XXXX XXXX still haven't send me a Paid in Full letter. XXXX still didn't update reporting agencies.
Product: Credit card

I had a promotional card for the amount of XXXX XXXX for 15 month no apr ending XX/XX/XXXX, I had a balance of XXXX I paid on XX/XX/XXXX in full their was XXXX dollar interest charge from XX/XX/XXXX to set XXXX, my bill was XXXX I paid that in full, XX/XX/XXXX I end up getting a email that shows they have charged me a additional interest for XXXX or something in that range I called to dispute this the math is very simple unless im.missing something, it pretty clear in thr statement their were no other pending Interest charges or fees, they can't explain it to me
Product: Debt collection

Received medical treatment on  XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX   XXXX  in  XXXX , OH. Never received any billing on this. I now have a notice from a collection agency dated  XXXX / XXXX / XXXX . I called the medical center directly on  XXXX / XXXX / XXXX . Informed them they never billed me. Customer service states multiple bills were sent and she only named some dates in  XXXX . Informed me they were sent to my current address of  XXXX   XXXX   XXXX ,  XXXX  OH. The problem is this address has only existed for mailing since  XXXX   XXXX  as it is a newly created address. So their customer service is using an address they just updated in their system but would not provide a reason why they did not bill prior to  XXXX  or actually use my real prior address I provided to them,  XXXX   XXXX   XXXX ,  XXXX  OH. I asked if this is now reported on my credit. The customer service person refused to answer this and told me I had to discuss with the collection agency.   XXXX   failed on billing and is the responsible party to correct the issue. I am dealing with   XXXX   and not the collection agency. I expect   XXXX   to be able to answer and resolve the issue because it is their failure on billing. If they or the collection agency reported this to my credit then  XXXX  needs to take the corrective action to remove this report on my credit and acknowledge they failed to bill properly. The bill is for {$690.00} and the collection agency ( Capia Partners,  XXXX  TX  )  is offering a settlement of {$590.00}. I am ready to pay the full {$690.00} as I would have if I was actually billed. I need   XXXX   to be accountable for what they have done to my credit and answer my question regarding my credit record. Customer Service at  XXXX  should not be refusing to answer my question on an issue they are at fault.
Product: Credit reporting or other personal consumer reports

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, TransUnion, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information. 

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, TransUnion, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, TransUnion, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, TransUnion, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

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

Per your request, I closed my judgment open with you I regards to wrong debt. Debt has been paid since XXXX 2019. Now, US collections owes me an over payment of the debt. I have talked to a XXXX-something like that and his manager XXXX. I was informed that I would receive my credit balance back. This was in XXXX, it is now XXXX. I still have not received my credit balance refund. Where are my funds? I want the amount of the credit balance, how you came to that amount of the credit balance and where are my funds currently. I was informed many times I would get my credit balance funds back. Where are they? This is now the third month with no call from anyone from the company about my refund.
Product: Credit card or prepaid card

I opened a no interest account at Jared 's on XX/XX/2019 and was offered zero interest for 12 months. I have received 3 billing statements and the 1st billing statement I was charged no interest and then after reviewing the 2nd & 3rd billing statements noticed that I was assessed a 28.24 % interest fee. I would never have agreed to open the account if there was the significant amount in interest. I believe that I have been part of a bait and switch finance scheme & I have contacted XXXX XXXX   & Jared Jewelers and the response that I have received pretty much stated " sorry you do not have an zero interest account. ''
Product: Credit reporting or other personal consumer reports

I received an alert from Experian and XXXX that XXXX XXXX XXXX had placed a collection on my credit report for the amount of {$350.00}. I immediately contacted the company to cease collection efforts as this collection account was fraudulent as my cellphones have always been under my business name and never my personal name. I sent a letter on XX/XX/year>. The company has failed to respond and is still reporting this fraudulent account. I have also disputed with Experian and XXXX. Both are still reporting the account without properly verifying the account.
Product: Debt collection

I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that its removed.
Product: Checking or savings account

I deposited my settlement check from an employment lawsuit into my account. Capital One sends me a email stating the check would be on hold until the XX/XX/XXXX but I would get {$220.00} on XX/XX/XXXX {$5300.00} on XX/XX/XXXX and the remaining $ XXXX on XX/XX/XXXX. They then sent me an email stating they received information stating the check would return so they would hold the check until XX/XX/XXXX. Thats outside of the 5 business the law states for banks to hold checks. I called my lawyer and let him know that capital one stated they received information that the check was going to bounce my lawyer stated he didnt believe that and for me to call them because that would cause severe problems in state court for the defendant. I called capital one and they tell me they didnt get that message they are holding the money because they tried to contact the business and didnt get an answer. Its not only a Friday but after XXXX XXXX  in California most healthcare businesses are closed. They then asked for the remitter and I explained that we both signed NDAs and cant be in contact with each but I have his lawyers information they told me no they have to speak to them. I asked could they call XXXX  XXXX XXXX to verify the check they said no. They not only lied in their email but are refusing to actually do their jobs. This check is from a lawsuit and they are holding my money for extended amounts of time without cause
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent a notice of fault and opportunity to cure letter to Capital One informing them that they are invading my right to privacy by reporting transaction and experiences on to my credit report in which I never gave written consent for the account to be furnished on my reports. I have yet to hear back from them and is really trying to reconcile this. They are violating 15 USC 1681a ( XXXX ) ( XXXX ) ( XXXX  ) a consumer report information solely as to transaction as to transaction or experiences between the consumer and the person making the report ;. I need to know that this being taking care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, XXXX sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information yet, failed to respond to my questions of their methods of verification. On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately sent me correspondence stating that US Bankruptcy XXXX do not report or provide information to credit bureaus or any other agencies. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. 

You have violated my given rights under 15 U.S.C. 1681.

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

According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions.

According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did not authorize the purchase of {$52000.00} indicated in my credit report. I did not allow Goodleap to run my credit on $ XXXX last XX/XX/year>. Their client XXXX XXXX, had asked a Developmentally Delayed resident on my property to sign a contract to do the work. I have no knowledge of the contract never saw any paperwork of estimates, application of credit and contractual obligations. The XXXX XXXX and Goodleap colluded in taking advantage of the DD individual. I was able to find out when Goodleap put a lien in my property for the landscaping amounting to {$52000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act. 
It was my understanding that the student loan Payments were on pause. I quickly notified XXXX when I seen the late payments.

One loan, placed 6 times. 
During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted XXXX and they wanted a dispute letter. This is wrong during a national pandemic
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX, I have tried several times to correct both my name and home address on my credit report only to receive bogus and stalled responses from TransUnion without changes. I have provided a copy of my drivier 's license, my Social Security card and a copy of my marriage certificate, yet inaccurate information remain on my credit report ( file ) with incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

I have been banking with this Bank for 30 plus years. I have been trying to apply for a Home Equity Loan. I have been denied 3 times. First one was over the phone and I was denied right away. But my original bank found the paperwork and and gave me a credit card with limit XXXX to do some repairs. Next I tried for a Home Equity Loan about 2 years ago and I was told my XXXX XXXX was too low. I applied for one XXXX XXXX now they are saying my debt to income ratio is to high. I have Student Loans and I am working for the State of Texas if I work for 10 years my student loan will be forgiven.