23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

As of XX/XX/XXXX, Gateway One requested an inquiree on my report for no reason and without my authorization. I applied for an auto loan with this company XX/XX/XXXX. There should be no reason that my report should be pulled by this company 2x 's.
Product: Student loan

I am pursuing the Public Service Student Loan Forgiveness program and have Fed Loan Servicing as my servicing company and have been enrolled in it for about 4 or five years. In XXXX of XXXX  I summited my yearly employment certification form and I have still not heard back on the results of my certification as of XXXX I was unable to to use the new portal on the Department of Education website because my employer has not yet been added to the list of eligible employers. Additionally I summited the required documentation to the Department of Education to have my employer added to the list and have not received any notifications from them for their review process.
Product: Debt collection

It's in my letter. I was moving to another apartment because the XXXX XXXX  rent was increasing. I applied for another apartment that was going to be affordable. This is an urgent matter. Due to XXXX. The company charged me {$2600.00} from a 60-day notice - I have provided a letter. I turned my key in on time, and the manager stated during XXXX  XXXX that she could not afford to lose any tenants, I stayed until the day of moving, and she put that amount on my credit, this is a commonwealth state that does what they want to do. There was a mandated order for the whole United States through the XXXX that you can't evict or put anyone out. I paid every month on time, I was working during XXXX  XXXX, and I turned in my key in XXXX on the day I moved out.
Product: Debt collection

There is a collections account on my credit report by Portfolio Recover Associates ( Debt Buyer ). I do not recognize the account, there is no correlating account from XXXX XXXX on my credit report to substantiate the debt. I have repeatedly requested proof of the debt to which none has been supplied. 

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and a full life of loan history showing all transactions to verify the amount you purport is owed.

6. Please confirm the date the statute of limitations expired.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

XXXX please provide what method you verified to Experian and XXXX XXXX. As I am aware XXXX doesnt allow the transfer of FTC identity theft reports which you all confirmed in my last CFPB complaint dated XX/XX/24. That you all had, that FTC identity theft is required to provide to the credit reporting agencies. I have added both credit reporting agencies to this complaint to determine if you all sent over the FTC identity theft Report as required as the data furnisher under FCRA section 623. Additionally I requested another incident theft report which you all have failed to mail to me as the faxed incident report of how the cards were stolen from the authorized user home and the account was fraudulently used was ignored and you havent stated if you have in your possession the current incident report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We voluntarily gave back a car we were financing back in 2015. Once we gave the car back we contacted about the amount owed on the car. My husband and I paid {$3500.00} to satisfy the amount with Cig Financial and the agreement we signed says it will be updated on the credit report as satisfied paid and   XXXX   balance. ( letter agreement attached ) We were not told it will be a charge off. It should never been reported as a charge off when we voluntary gave the car back and the company sold the car for a high amount. Since  XXXX -2015 we have been going back and forth about how it is reporting on our credit. It shows as a charged off account in the amount of {$14000.00} and a balance of {$14000.00}. I attached emails where the lady from Cig   XXXX   XXXX   said she already reported it to the credit company as " paid with {$0.00} balance ''. For 2 1/2 years now this account on our reports have caused us to be denied auto loans, home loans, and credit cards. We thought we were doing the right thing by settling and working with   XXXX   and Cig Financial. I feel it was against the law the way it has been reporting on our reports for the last 2 1/2 years and since they sold the car for over {$10000.00} and collected {$3500.00} from us they actually doubled up on amounts and possibly reported the charge off on taxes as {$14000.00} when really they got money for the car from the sale and us. I also called a gentleman a month ago and he told me this will remain how it is on the credit and they will not change it ... Even though I have the proof from   XXXX   that she will report it as paid satisfied with a   XXXX   balance ... I never knew how I could solve this issue so I hope going through CFPB we can get resolution on this case. I attached some documents as proof from   XXXX   XXXX  .
Product: Money transfer, virtual currency, or money service

Zelle did not give me the are you sure you wan na send this option?
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, while at work, I got a recorded phone call stating my affirm account had attempted fraudulent charges and to press 1 to speak with a representative, in which I did so. The man on the phone asked for a code sent to me so I gave it to him, after all, he was an affirm employee, as I thought. He walked me through steps of a virtual card stating they could track where the attempted charges began this way. Half way through the phone call I told him I was going to hang up and call affirm customer service to verify and I hung up. When I called affirm immediately they said 2 charges where attempted for XXXX and XXXX and I confirmed they were unauthorized. On XX/XX/XXXX they deemed me responsible for these charges. They say they take these charges seriously but we're quick to scuff this off and I even had a representative laugh at me about the situation. I have since contacted the XXXX  and the ftc as I dont know where to turn at this point about this situation.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Berks Collections have a amount of {$320.00} that supposed I owe and that is a false statement this account was settled for {$210.00} wich was pay off on XXXX XXXX of 2016.They still didnt remove of my report.
Product: Checking or savings account

Citizens bank manipulated my transactions causing an overdraft fees in the amount of {$140.00} on separate occasions. On XX/XX/24 {$35.00}, XX/XX/24 {$70.00}, and on XX/XX/24 {$35.00}. They charged a {$35.00} overdraft which caused more overdraft fees to be accumulated when I had the funds to cover my transactions. Citizens gives a credit on my account when I deposited my check. I called the bank in regards to those transactions and put a complaint into the Office of the customer department and haven't heard anything. My case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian 3x on the XXXX, 1x on the XXXX, 1x on the XXXX, 1x on theXXXX, and 3x XXXX, of XXXX because there are multiple errors on my credit report. The issue is that Experian does not have current information, hence clausing a low credit score that has resulted in multiple hard inquirer 's See XX/XX/XXXX, and has cost me 2 percentage points on a loan. Experian has made minimal changes, however they have not made the necessary changes to ensure I have the proper credit rating. 

The responses from Experian, simply state the dispute is closed, it says nothing further. 

At this time, I do believe Experian is responding to my requests nor do they understand the gravity of what their actions are costing me. 

I would appreciate any assistance. 

Thank you
Product: Checking or savings account

Union Bank defrauded me of {$30.00}, XXXX from XX/XX/XXXX until XX/XX/XXXX. They allowed access to my account for someone, likely a bank employee to pay an XXXX XXXX account that was not mine by ACH transfer. I also have an XXXX account so I had duplicate amount debited in my checking account. 
XXXX reversed some of the fraudulent transfers but not all. On XX/XX/XXXX, Union Bank became US Bank and US Bank reopened the investigation. But this institution like the previous Union Bank is hiding behind a 60 rule where they say banking regulations do no require that they reimburse more than 60 days of fraudulent transfers. 
XXXX says it will reverse amounts if asked? 
I have filed a police report, an FBI report, have an attorney looking into the case and have filed an elder abuse complaint with the County of XXXX XXXX. 
I have been refunded appr XXXX and still have been defrauded XXXX. 
Can you please help? 
Thank you
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and seeing accounts being reported that I dont recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I have presented evidence to transunion that they are illegally reporting false information on my credit report and in every communication I've hade with them I have verified my identity with my State Drivers License and a Bill from my personal residence and instead of responding to my inquiry they accused me of working with a third party company. 

This is insulting and offensive because what makes Transunion think that I am not educated enough to handle my own credit and financial matters! 

They didn't even have the decency to advise me on how to move forward to get the proper response. They simply stated that they would not respond to my dispute because they suspect that I am working with a company which I am NOT! 

They also ignored me every time I requested their methods of verification or submitted additional detail on a complaint. 

They are literally refusing to grant me my basic rights as a consumer! 

If Transunion can not verify the item I have disputed then it is reporting unlawfully
Product: Debt collection

I received a letter in the mail from Discover Bank ( via XXXX XXXX XXXX XXXX XXXX, XXXX ) threatening and demonstrating pursuit of a Wage Garnishment order against me. Discover Bank holds a judgment on me in New Jersey, and theyre claiming to be filing for a Wage Garnishment order in New Jersey XXXX as well. I have lived and worked in PA for years, and am currently employed in PA. In their letter, it appears that Discover Bank has decided to serve their garnishment order on a corporate office branch of my employer that is located in NJ, but that I have never been to, much less worked at. I believe they did this in an intentional attempt to skirt PA Wage Garnishment exemption laws. 

Ironically, their letter contains, and was sent to, my home address in PA. They know I live in PA, but still chose to pursue a garnishment action in NJ. Ironically, the very letter they sent illustrates their intent to avoid PA law. 

I received this letter via standard mail about 2 weeks after it was most likely delivered, as I rarely check my mailbox. In the the letter, it is claimed that the same letter was also sent via certified mail, which it was most certainly not. Going back even further, I dont recall ever being served for an initial lawsuit of which the judgment is based. 

Discover Banks attempt to avoid PA law is a clear violation of 42 Pa. C.S . 8128. Additionally, within their threat of illegal garnishment includes the threat of disclosing confidential information to my employer both of which are clear FDCPA violations.
Product: Payday loan, title loan, or personal loan

I never pulled out a loan for the amount indicated on credit report nor the date.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you Please block/remove these items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/2014 XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2014 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

Wells Fargo happily accepted my business for the better part of a decade as the account holder of a XXXX XXXX Credit Card, a product designed to help students and others with little/no credit history develop credit slowly by making purchases on everyday things. As my account aged, I was able to unlock better and newer lines of credit thanks to consistent payment of all bills and responsible usage of lines of credit. I had a recurring payment against the card that may have been stopped at some point, but basically the card was flagged as inactive despite my very sincere desire to keep the card active and pinging as part of my credit history. I didn't even learn about this until after the card had been closed and I called Wells Fargo ( and went to visit with a banker in person ). Now my credit score has been destroyed by virtue of a much shorter credit history available, which itself is ridiculous because how can Wells Fargo unilaterally decide to erase years of responsible usage of a credit card? how is this fair? why does an account closure even impact the history that I had with that account? 

So beside myself with rage, feeling helpless, don't know what this will even do because wells Fargo probably offers CFPB executives cushy golden parachute offers after their appointment expires but here goes nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DIST CT Bankruptcy : Discharged CH-XXXX Original filing date : XX/XX/2015 This is showing on my report and not accurate.
Product: Debt collection

DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX Date : XX/XX/XXXX To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding account #. XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX ( Debtor Signature ) XXXX XXXX ( Debtor Printed Name )
Product: Checking or savings account

On XX/XX/2022, I woke up to a withdrawal amount of roughly XXXX dollars from my checking account, around XXXX. It was a transaction made through XXXX and I never really use XXXX  unless to send money to my wife and kids. I check to see who the money went too and its an email to somebody named XXXX from XXXX. An unknown email to me and my family. My bank, Bank of America, is trying to say I authorized the transaction because a code had to be placed but the supposed code came in at XXXX oclock in the afternoon after the 6 transactions have been made which were made before XXXX after XXXX since thats when I went to sleep the previous night XX/XX/XXXX. Coincidentally, I was at the bank at XXXX oclock that day & told them how were they able to make 6 transactions without my authorization and thats when they mentioned a code. I told them I didnt receive a code. I get home & at XXXX oclock a magical code appeared for the first time. Its at the very top because Ive never gotten a code before. Its a security issue from their behalf and theyre trying to use every excuse to not give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Experian and XXXX are both reporting a company on my consumer report that is a direct violation to my privacy as a federally protected consumer. 
Direct violation to my HIPPA rights!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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