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

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was broken into and my pocketbook that had my id credit card ss number and few other item was stolen
Product: Debt collection

I have been receiving calls from TRS consumer services asking about debt I have outstanding. I do not have any debt outstanding - I checked my credit report to make sure ... I was finally able to get on phone with them.. if you dont pick up when they call, there is no way to speak to a person if you call them. Their website says in order to make an INQUIRY, one must send in their drivers license and bank account information, which I find to be absurd. When I finally picked up when they called, they were not able to give me any other information that linked me to the debt - they said there was a check that was submitted under my name in Texas on XX/XX/XXXX ( I was actually out of the country at this time ) and that my address is in Massachusetts ( my phone number is from XXXX, but I do not live there ) and it was checks that was submitted to a casino. All in all, they told me that I can give a call to " Telecheck '' which is who they are trying to collect for - which seems very strange given that Telecheck and TRS Consumer Services are both a " FirstData '' company, whatever that means. They told me to contact Telecheck to get my name removed. So I called. They asked for my bank routing, social security, and drivers license number. ( I dont even have a drivers license number ) I said I will not give you those information, I just need to remove myself from getting calls every week - and they refused to do so without my information. I see many scam allegations on google on these two companies - anything we can do to remove from their websites asking people to send in bank account / routing / social security info? / My theory is they keep calling numbers, leaving voicemails and people call back, and cant get in touch with anyone, so they go to this website and up giving away their precious personal information away. They NEED to be stopped. I also got another debt collector call from the below number XXXX recently, who said they had some guy 's name under the account and they removed me right away. Still makes me nervous that this TRS / Telecheck company is selling people 's info to other fraudulent companies.. Thank you for helping!!
Product: Student loan

I have XXXX loans from Sallie Mae. Over the course of six months, I enrolled twice in a payment plan. Making only XXXX a month they put me on a plan that would have me making $ XXXX monthly payments. I was denied twice this plan and XXXX XXXX accounts the company did not contact me to let me know. The second time this happened Sallie Mae had my bank account information and began taking out a total of {$740.00} in the form of autopay. Something I had never authorized. This cost me money that was supposed to be in my account to not be there, as well as returned check fees charge by my bank when the sufficient funds were not available, since the amount Sallie Mae was attempting to take out was higher than agreed on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudently opened accounts using my information. XXXX XXXX XXXX {$640.00} XXXX XXXX {$800.00} & $ XXXX XXXX XXXX {$610.00}, XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} and a lot of inquiries some from the same company repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft, and have been fighting with CRAs trying to get fraudulent information removed from my credit report for many months now, most items of which have now been removed. However, I have informed LexisNexis many times of the issue, and have been ignored multiple times. I have mailed my documents in on XX/XX/19 ; XX/XX/19 ; and faxed them in on XX/XX/19 to no avial. Every time, I call the representative on the line informs me that there is no paperwork and nothing can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$500.00} XXXX XXXX {$6400.00} XXXX XXXX {$340.00} XXXX  XXXX {$360.00} XXXX  XXXX {$1000.00} DETEDXXXX XXXX {$3000.00} XXXX XXXX {$400.00} XXXX  XXXX {$12000.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

I originally had XXXX financial services when I first had my loan then it was sold to FAY financial services. This was at the beginning of my mortgage using XXXX, XXXX of 2020. Before my mortgage was transferred to FAY financial services, I had an agreement with XXXX about forbearing my mortgage payment. According to the CARES act that was passed in XX/XX/2020, anyone that has a forbearance agreement is not to have any delinquent or negative reports to their credit. My entire mortgage I have never had a late payment. The only reason this payment is marked as late, is because I was not made aware of the transfer of my mortgage to another company. I personally had to search around, call my previous loan company, and find out how to make the next payment and to who. FAY financial services refuses to acknowledge that I had a previous forebearance agreement with XXXX. The fact that my mortgage was transferred ( without my knowledge ). Ever since COVID, there has been so much miscommunication and confusion. I spoke to an agent at FAY in XXXX, after this whole ordeal and was informed that the late payment report would be removed from my credit. Im sure this can be confirmed with any recorded calls from FAY under my account.
Product: Vehicle loan or lease

My interest rate for my auto loan is 6.45 % APR. The loan amount was XXXX and was scheduled as a 72 month auto loan. Correct me if I'm wrong but the more you pay towards the principle the less they are suppose to be taking for interest and the amounts they are taking for interest are not consistent whatsoever with what I have paid. I've enclosed some dated screenshots of a few payments I've made and also the amount of interest they have charged me. I get nowhere trying to talk to anyone with capital one about this issue. I get put on hold for long periods of time just to be hung up on in the end. On XX/XX/2023 I called capital one bank and spoke with XXXX on a transaction made on XX/XX/2023 to capital one auto finance in the amount of {$430.00} that posted on XX/XX/2023. And I was put on hold while she went over my account. Upon her return I I told her that I have a conformation number she ask me for it. Then put me on hold again to speak with her supervisor. She came back and informed me that the payment with conformation number doesn't show in my account. And she wasn't sure why it wasn't showing. Also at one point I was well over a year ahead on my payments.
Product: Student loan

There are late payments showing on my Navient Student loans- I have several due to Navient back in 2016 due to the fact that Navient was steering me towards forebearances instead of letting me know that I was able to do an income based repayment plan. Once the forbearance was over they never sent notification that it was over and I recieved very unclear and about how to enroll in income-driven repayment plans and how to be able to manage my student loan payments. Navients negligence to give me information when I tried to reach out to them really affected my report as they continued to report late payments on all of my loans. I finally was able to research information after months of trying to get help from Navient. I was able to get help from a financial aid officer at the school who advised me that I could consolidate my student loans, request a new servicer and also apply for Public Service Loan forgiveness since I worked in Public Service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested in my Validation letter dated XX/XX/XXXX which Spring Oaks Capital LLC fail to validate all of my request. Spring Oaks Capital LLC sent copies of card statements and other interesting documents that have me questioning do we as consumers, have any privacy at all. I will address that privacy issue. My attachment 's will show that a debt collector, XXXX XXXX XXXX obtain my private and personal information without my permission and then sold my private and personal information for monetary gain. No contracts submitted by Spring Oaks Capital LLC that bares my personal signature. Spring Oaks Capital LLC did not Validate all my request pertaining to contracts that bares my personal signature. But they submitted to me a Bill of Sale that shows XXXX XXXX XXXX the Seller of my private and personal data. And Spring Oaks the Buyer of my private and personal data. This buy and sell happened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tale timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, there dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements and the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST, I was an XXXX Data Breach Victim. XXXX   has done ZERO to assist correcting disputed information on the public file under its control. 
NEXT, TWO FTC Reports was created for CREDIT CARD FRAUD, BANK & WIRE FRAUD, FAKE CASHIER CHECK SCHEME [ NATIONALLY reported, which financially destroyed debtor ] and said FTC legal Reports was submitted to the 3 credit bureaus ( which included & provided supporting information such as creditor names, acct numbers, disputed amounts, dates all submitted with SS card & ID ) and submitted to the creditors for verification. ONLY XXXX verified with creditors and DELETED the disputed the falsely reported credit file information. 
This COMPLAINT is being filed against XXXX and TRANSUNION ; due to their attempt to CHANGE, USURP, CIRCUMVENT, RE-WRITE, or DRAFT their own version of the LAWs under FCRA and under FDCPA ; where the LAW states the BURDEN OF PROOF is upon the 3 bureaus and the creditors ; not upon the debtor disputing the misinformation posted on the 3 bureaus ; INCORRECT information which was paid by the creditor to the 3 bureaus to publish. TRANSUNION and XXXX has, in BAD FAITH, requested DUPLICATE information already submitted under said FTC Report. This intentional acts of continued defamation has caused direct damages including lost employment, rejected employment, rejected insurance, rejected credit, and loss of business reputation as an OFFICER OF THE COURT. The PROPER solution is for XXXX and TRANSUNION to follow XXXX 'S example by DELETING & REMOVING the DISPUTED credit files which are ERRONEOUS, FALSE, MISREPRESENTED, MISLEADING, FACTUALLY INCORRECT published information ; destroying a tax payers life, and destroying a public servant 's life. Again, the LAW, under SECTION 609, states the BURDEN OF PROOF IS NOT upon debtors, but upon CREDITORS and the THREE BUREAUS to properly publish that the information being reported is TOTALLY CORRECT and, if not, DELETED from the 3 Bureau 's public reports.
Product: Money transfer, virtual currency, or money service

I was contacted by a person online named XXXX XXXX. We met on a dating app and began talking and texting. He told me that he was from XXXX, Texas and sent me a lot of information verifying who he was. A few weeks into our conversations, he said he had to make a business trip to XXXX. He said he was an chemical engineer and had to complete a month long project. XXXX planned to visit me on his return. While there, he ran into problems and asked for my help. He then said he was stuck there and needed me to send money. He promised the money would be returned to me within a few days because he would be paid once the contract was completed. XXXX convinced me that he was independent contractor, unsupported in XXXX, and had no options. Each time that I sent money, a new problem seemed to arise. This continued until I stopped sending money but he continued to plead with me, saying that he couldn't send the prior money back until more money was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. IC SYSTEM account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. They failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( IC SYSTEM XXXX )
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 - Obligations with respect to disclosures of personal ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section. CFPB XXXX XXXX HAS VIOLATED MY RIGHTS, SHARING OF MY NON PUBLIC INFORMATION WITH MIDLAND CREDIT MANAGEMENT.
Product: Credit reporting or other personal consumer reports

I submitted my dispute letter via mail on XX/XX/2024. I received a letter from Transunion stating that my dispute was from a XXXX XXXX I was advised to call Transunion. I called Transunion on XX/XX/2024 and was on hold for several hours call was disconnected twice. Called back on XX/XX/2024 and they stated that a XXXX XXXX submitted my dispute. I asked them to provide me proof or forward me to the department that made that determination. I was informed that no phone or direct person could adhere to my request. Therefore, I asked the rep, then how could that decision be made without valid proof or clarification/. She stated that she did not know the process and my dispute was discarded. File # XXXX. I advised the rep that this was an illegal stall tactic, which is adhering to consumers ' rights to submit their disputes and have them properly reviewed. Consumers can read the Fair Credit Act Laws and produce a properly documented letter without being discriminated against and belittled.
Product: Credit card or prepaid card

placed order on XX/XX/2021 using my citi bank credit care on XXXX company hilarious.top. order was set for three large items. Total charge was {$82.00}. Items stated they would take about 21 business days. XXXX after not receiving any updates. I reached out to the seller. I was not able to find working phone number and emailed the seller asking for update on the item. I received a tracking number and due to Covid was advised could take longer to receive from my postal serviceman. On XX/XX/XXXX I finally filed a dispute with Citi Bank credit services. In which a credit was issued back to my card during the investigation. On XX/XX/XXXX I received a letter regarding the credit being reversed. I was told to contact XXXX who in term directed me back to Citi bank. I explained I never received the package took off time to go to postal office requesting a print out of the tracking number. I also was advised by the postal service this was a light weight small package which goes to prove my point the seller did not ship the items I purchased. No ideal what became of the small package but the three items that was ordered would not have needed to be delivered to my unit or picked up in the post office. Neither of these where done. I requested Citi bank provide me validation information for the investigation which was completed and spoke with managers on more than one occasion but have not received.
Product: Student loan

I received an alert on my credit report that I had a delinquent account. We I looked to see what it was I found that Nelnet loan services reported the delinquency. I contacted Nelnet by phone and also went online and immediately paid the bill. I explained to the person I spoke with that I was under the impression the loans were deferred due to the COVID-19 pandemic. The lady asked if I was active duty military  or in school at the time which I stated NO. She then said there was nothing she could do for me. I stated that I had not received a voice mail or email regarding this. Of course, she stated that they attempted to call but I had never received a voicemail. I believe this should be wiped from my record due to a misunderstanding with all the COVID related info coming out and confusion this is causing. I would appreciate any help with resolving this matter as I was just following the federal governments information being distributed to everyone and I immediately took care of the situation upon discovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries were pulled on my credit report that I didnt not authorize or give permission to be ran by. Those companies are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PNC Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those companies have ran my credit across all 3 major credit bureaus : XXXX, XXXX and XXXX XXXX.