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

In accordance with the fair credit reporting actXXXX account XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions.

The following have also violated my rights to privacy by reporting hard inquiries that destroyed my credit rating without my written instructions. 

XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX via XXXX XXXXXXXX XXXX  Location XXXX XXXX XXXX XXXX, IL XXXX XXXX, XX/XX/2022, XXXX ( XXXX ) XXXX TypeIndividualPermissible PurposeXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( XXXX ) XXXX Type Location XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX TypeIndividual Location XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Location XXXXXXXX XXXX XXXX XXXX, CT XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired XXXX and XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquired XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Kikoff is not reporting to XXXX with current payments that have been reporting to all other consumer reporting agencies. I would like this to be updated so that I can gain positive reporting for XXXX that is currently not reflecting.
Product: Money transfer, virtual currency, or money service

Received a letter from XXXX XXXX XXXX XXXX XXXX. There was an enclosed check from credit karma money save spend. It was a check for over {$1000.00}. I do not remember having an account with this bank or service. I tried to find out that information. Their customer service continued to put me off to other people and kept asking for additional information. They would not verify my account but only wanted more information. When they ask for a phone number so that I could scan an identification picture like a drivers license to send to them I told them no and do not believe that this is a legitimate business or check.
Product: Money transfer, virtual currency, or money service

My XXXX  account was hacked and sent XXXX payments of {$500.00} to an unknown number. I called to make a fraud claim with Bank of America and they denied me and won't be giving my money back. I did not authorize these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached documents show XXXX failed to live up to the terms of the XXXX for my Private Student Loans they acquired from XXXX. 
1. XXXX XXXX XX/XX/XXXX response to CFPB ( page 13 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 10 of the attached doc ( p. XXXX of XXXX ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) XXXX was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 19 - 20 ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX. 

The situation that transpired is one in which XXXX XXXX failure to properly process deferments and forbearances, and subsequent failures in adjusting statement generation, and billing schedules led to the following harm : 1. Invalid derogatory CO status for XXXX, because invalid processing of forbearance and subsequent deferment resulted in billing and accounting irregularities from XXXX XX/XX/XXXX thru present from, progressing from initial thirty ( 30 ), to ninety ( 90 ), to one-hundred twenty ( 100 ) etc., until the account was charged off without me ever receiving a single bill for periods of deferment, and without receiving revised bills when the disaster forbearance was retroactively applied on or around XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In recently submitted a complaint under ID XXXX in regards to Experian reporting inaccuracies on my credit report. They have stated that they verified the information and sent out a letter on 10-16 with the results. I did not receive this letter or any document obtaining information regarding the verification of the accounts listed. I pulled my recent report with Experian and it did not show any method of verification used to validated these accounts listed in the responses starting on page 6 in the attachment. 
I am in disagreement with the items listed below which still appear on my credit report, even after they have investigated. I would like these items immediately reinvestigated. These inaccuracies are highly injurious to my credit rating.

1. XXXX XXXX XXXX  / Account # XXXX XXXX. XXXX XXXX XXXX / Account # XXXX XXXX. XXXX XXXX XXXX/ Account # XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual whom you verified the above, so that i may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appeciated. 

Thanks, XXXX XXXX
Product: Debt collection

This caller is from LOAN Me, predatorily traces phone numbers to supposed family members or supposed relatives in order to find information about someone. Calls numbers many times a week and when blocked, still tries to repeatedly leave many voicemails. There is currently no way to block voicemails with my carrier and they disrupt my careful attention to important work calls and voicemails.
Product: Debt collection

Ive spent months trying to communicate with the credit card company XXXX XXXXXXXX XXXX, without resolve they sold the debt without my consent. Ive sent a complaint in before and all that was sent back to my address were statements, there was no proof or signatures shown anywhere in the documentation sent. After this company sold the debt to a debt buyer whom theyd given my information over to, with constant emails, harassment, which cause stress, anxiety and fear.
Product: Credit reporting or other personal consumer reports

SELF FINANCIAL I was under the impression, that I could use self as a financial transfer agency ( sole purpose ) Of opening account. I did not receive a personal loan of {$710.00} from self. Self has forged my e-sign to apply for a personal loan in my LEGAL NAME, without my consent, after I called and instructed them that I did not consent to apply for any loan that I did not receive, and I instructed SELF CUSTOMER SERVICE, to close the account and to cease any action that I did not give a written consent to. 

Your credit report doesn't include your marital status, medical information, buying habits or transactional data, income, bank account balances, criminal records or level of education. It also does not include your credit score. 
Your credit report is meant to provide a detailed record of how you handle debthow much of it you carry and how well you pay it off. It also includes personal identifying information that helps to verify that the information in the report is yours. 



SELF HAS VIOLATED FAIR CREDIT REPORTING ACT ALSO XXXX HAS VIOLATED COMSUMER LAWS, BY REPORTING MY PERSONAL ACCOUNT BALANCES, and displaying my personal spending habits in a negative way. 
XXXX SOLICITED, A PERFECT MATCH FOR ME TO APPLY FOR CREDIT CARDS AND THEN DENIED ME SO I FROZE MY CREDIT ACCOUNT. 

*INACCURATE REPORTING *INACCURATE PERSONAL INFORMATION *SELF AND XXXX have reported closed accounts, as active personal lines of credit and as personal loans, I have not applied for any loans nor have I received any loan, card, or credit from XXXX OR SELF .
Product: Student loan

I 'm the co-signer on my son 's student loan. He took it our while he was attending XXXX XXXX in 2008. Apparently, the holder sold the loan to another collection agency that is repeatedly attempting to contact me by phone. ( I told the previous holder to only contact me my mail, NOT by phone. ) More importantly, my son got a forbearance on this loan because he became a XXXX student. ( At XXXX XXXX XXXX College in XXXX, VA. This group continued to pursue despite this and also told me that my information was " wrong '' and that my son " must have taken out more than XXXX loan ''. This is false. They 're using lies and intimidation. I told them not to call me again ( especially on my business line ) and that I will report them to CFPB. I do n't think that they are legitimate.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$1400.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX : {$6800.00}
Product: Debt collection

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). 

The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. 

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Credit card

I have XXXX credit cards through Synchrony Bank. I have a Belk and a Walmart Discover Card. I just recently opened up the Belk card, although I have had the Walmart account for over 6 years now. I always pay my bills through my bank 's online Bill Pay. I went to send a payment to Belk, but thought I had the wrong address. I called my bank to have this payment cancelled so I could pay in person at my local Belk and get the correct address to send future payments to. Apparently, I did have the correct address and the payment was received by Belk and then taken away due to my calling my bank to cancel. I did go in store and make a payment and I asked the clerk what I had available on my card to see if I could make a purchase. She said I had available money to charge to the card so I made a purchase, not knowing Belk had received the payment that I cancelled. I got a letter in the mail saying my account ending in XXXX was going to be closed and no reason was stated ( Walmart account ). I called their customer service and nothing was wrong and was told my account was not closed/being closed, so I thought nothing about it. I went to check my Belk account online to see when the next payment was due and saw it said my account was closed. I called them and they accused me of check kiting (? ). To be honest, I do n't even know what that is. They would n't reopen the account and told me to call XXXX. I called them and said that Belk would have to be the one to reopen the account. At this point, I also found out my Walmart account was closed due to my Belk account being flagged as fraud. They were very rude when I called, and would do nothing to help me even after I told my story. I 've had the Walmart account for so long and both being closed will hurt my credit. I have always made my payments on time each month and usually more than what the minimum amount of payment is. I would like both to be opened back up so I can continue to pay these off and in the future keep using them.
Product: Debt collection

I received a notification on XXXX XX/XX/2019 via XXXX XXXX  that i had an account in collections from a company called ProCollect. At no point did i ever receive any notice of an unpaid debt. I called Procollect today XXXX  XX/XX/2019 ( they were closed because of the XXXX of XXXX weekend ) asking about what debt i owed and they told me that i had a debt to XXXX at XXXX apartments but that the balance was XXXX because i had already paid, so i asked why it was showing on my credit report and all she told me was that it will show as a XXXX balance and that there was no way for me to remove this from my report. I believe this is unjust as i had never received any notice of any kind from neither ProCollect or XXXX at XXXX about a debt that i owed, XXXX at XXXX apartments has my email and phone number and i have never received an email nor a phone call from them about any unpaid debt. This company went straight to collections without notifying me in any way.
Product: Credit card or prepaid card

I am an authorized user for american express on a platinum card and I pay on time. I applied for an american express cash magnet card on XXXX, XXXX and I have a qualifying credit score and positive payment history with American Express since XXXX as an authorized user on an American Express Platinum . The reason for the adverse action what because of a balance I owe from a business credit card with American which I pay on time even at the time and they even closed that card unfairly because of a cash advance. It makes no sense that Im paying that balance on time for a business credit card and now receiving adverse action when applying for a personal credit card especially when by law I should not ever receive adverse action when my social security number is being used and I'm receiving no benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company refusing to process previous complaint. Letter was mailed out on XX/XX//2021 to dispute items. Investigation has been over 30 days and my dispute is still not addressed.
Product: Student loan

I guess the overall problem I have with Sallie Mae/ XXXX is that when I was at XXXX University the only way for me to afford staying at school was taking out the money and this company made it way too easy for a XXXX to XXXX year-old to take out such large sums. Once I graduated and after the grace period was up I started receiving calls almost daily. I was working as a receptionist and could barely make payments and the customer service reps I talked to knew no ways to help lessen the burden. After waiting on hold for hours at a time multiple times a week to talk to people in the company I was able to stop payments. By then I had moved up in the company I work for and could resume the payments - though it now basically takes an entire pay check away. I read in a recently posted NY Times article that XXXX has a well-established, positive track record of supporting student borrowers to succeed in repayment, and we respect our customers communications preferences, XXXX XXXX, a XXXX  spokeswoman, said in an emailed statement. Calls are an important way to help struggling borrowers enroll in federal repayment programs that lower payments based on income and help avoid defaults, she said, adding, The only borrower we cant help is the one we cant reach. Which is just so untrue still receive 3-10 calls a day as well as text messages. Sometimes they are n't even for me, I have been called XXXX, XXXX and XXXX. I find the calls to be spam and if there was a way for me to reduce my loan debt I do n't believe I should have to pay XXXX $ for it. I have also been warned from many parties about the collectors still harassing its people even after the debt was paid. My eye doctors daughter got her student loans paid off, however, Sallie Mae/ XXXX continued to contact them stating they still owed money - to which he advised I keep all email communication from them because they were currently in a lawsuit and it might be needed one day. I have tried reaching out to other lenders in the hopes of borrowing money from banks to be rid of Sallie Mae/XXXX but my credit now is low and my debt to income ratio is out of proportion no one will give me the amount I need - I really am just trying to get out of the extremely high-interest rate. While I believe this company is a gross offender in predatory lending I take the responsibility it taking out the money and will pay it back but the 8/5 % to 10 % interest rates on each of my 4 loans is astounding.
Product: Credit card or prepaid card

On XX/XX/XXXX I stayed one night at the XXXX XXXX in XXXX Maryland. 
The charge was supposed to be {$130.00} I discovered I was charged {$1100.00} when I got my credit card statement. 
On XX/XX/XXXX I called the XXXX customer service and was told by them that I was charged for 7 nights. 
They assured me they would contact the manager and I would be refunded. 
On XX/XX/XXXX I still had not received the refund so I called my credit card to dispute the charge. 
They started the dispute and they gave me a provisional credit. 
I continued to try and get the hotels customer service to resolve the follow up on getting my overcharge refunded. 
The original booking was made on XXXX but when I got to the hotel I was told that they didn't have that type of room and the reservation was changed at the hotel. 
I was moving to Maine so left early in the morning and there was no one at the desk so I just left. 
So, I have no receipt, only the credit card charge. 
XX/XX/XXXX I received a letter from my my credit card company stating they reversed the provisional credit and I am responsible for the charge. 
I called them and was told that they did not contact the hotel. The decision was made based solely on the fact I did not have a receipt. 
Again, I continue to try to contact the hotel manager directly and the hotels customer service for resolution. 
I don't think it is intentional fraud or theft but it is amounting to one or the other. 
The Hotel has taken over {$1000.00} of my money that they were not owed. 
My credit card company is not able to or interested in protecting me from being robbed.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Experian Reporting an inaccurate repossession. 

I am writing to formally file a complaint regarding Experians reporting of a repossession on my credit report. I believe this reporting violates my rights under the Truth in Lending Act ( TILA ), codified as 15 U.S. Code 1601 et seq. 

The Truth in Lending Act was established to promote informed consumer credit use and ensure fair treatment of consumers in credit transactions. As part of its provisions, creditors are required to provide accurate and transparent information about the terms of credit agreements. Additionally, the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must ensure the information reported is accurate and verifiable. 

The repossession being reported by XXXX is not only inaccurate but also unsubstantiated, as I have not been provided with sufficient documentation verifying its legitimacy. This incorrect reporting has significantly impacted my creditworthiness and caused undue hardship. 

Under TILA and FCRA, I request the following actions be taken : XXXX. A thorough investigation into the repossession claim reported by XXXX. 
2. Verification of the alleged debt and the repossession in compliance with my rights to receive detailed, accurate information.

3. Immediate removal of the repossession entry from my credit report if it can not be verified with sufficient documentation. 

I have contacted XXXX to dispute this information, they listed by XXXX XXXX this account says it was opened on XX/XX/year> states the account was also charged off with a balance of XXXX and written off amount of XXXX but I have not received a satisfactory resolution. They havent provided a signed original contract between myself and XXXX. Therefore, I am seeking your assistance to ensure that XXXX complies with federal law and my rights as a consumer are upheld. 


Thank you for your prompt attention to this matter. I look forward to your response and assistance in resolving this issue. 

Sincerely, XXXX XXXX Enclosures : Copy of correspondence with XXXX Supporting documentation regarding the dispute
Product: Debt collection

I first filed a dispute with the XXXX credit bureau, and also contacted the company both in XX/XX/XXXX. Affirm , Inc, the company stated they would investigate the matter, after I informed them that I did not open this account, and that I had been a victim of identity theft. XXXX, dismissed the dispute, stating the company stated the debt was mine. As a result as of XX/XX/XXXX, by credit score has been affected by XXXX points, and XXXX stated they would not investigate again. I never opened an account or signed any papers or online for an account with this company.