23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have called National auto finance to speak about my ex husband XXXX account which is paid in full. I only cosigned, He is active military. 
I have disputed this account for being in derogatory over 5 times on my credit report. Every time I call they say they ca n't find the account. But continues to dispute back negative on my credit report.
Product: Credit reporting or other personal consumer reports

You have committed a XXXX  by way of an XXXX  of XXXX, XXXX  Misrepresentation, Fraud, Unauthorized Use, Negligence, and XXXX  XXXX  pursuant to 15 USC 1681a ( q ) ( 3 ) and, XXXX  XXXX and XXXX XXXX Sec. XXXX. You are a consumer reporting agency, financial institution, and a XXXX  XXXX  XXXX, who obtained, used, and furnished my XXXX XXXX information, personal identifying information, and identifying information without my consent pursuant to 15 USC 6801, XXXX XXXX and XXXX XXXX Sec. XXXX, and XXXX  XXXX XXXX Sec. XXXX. The XXXX  creditor did not XXXX  obtain consent to XXXX, XXXX, or XXXX  any account information with your company, or any other XXXX  XXXX as regulated by 15 USC 6802 of the Gramm-Leach-Bliley Act, GLBA. Additionally, the XXXX  creditor, failed to provide me with FULL disclosure regarding their intent to do so. Failure to provide FULL disclosure of material information is an unfair method of competition, and unfair and deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the XXXX party may void the contract upon learning of the fraud.
Product: Credit reporting or other personal consumer reports

I called to inform both card companies and credit bureaus and both were not able to assist me in resolving this issue. 

Bk of Amer XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a rental application that used Experian to get my credit score. 
The same day I've logged into Experian website and pulled my credit report to get the score to make sure it is satisfactory ( the renter asked for XXXX ) Experian reported the score of XXXX to me but XXXX to lender. 
I did not get the house I needed.
Product: Debt collection

XX/XX/24, credence resource mana attempted to collect a debt from me. I put in a dispute with XXXX. 15 usc 1692c ( c ), if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication Please help me with this matter, thank you.
Product: Debt collection

Re : XXXX - LVNV Funding LLC account number ending : XXXX - XXXX XXXX XXXX To Whom It May Concern : This email was sent to LVNV Funding LLC regarding accounts # XXXX, XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX, wish they claim Collection. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting Validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay LVNV Funding LLC.
Product: Debt collection

On XXXX at XXXX EST I was contacted by American Collections Enterprises Incorporated by phone who told me they have a debt to collect and wanted me to provide personally identifiable information over the phone to them to verify my identity. I told them to mail me the information. They told me they needed to verify my identity before they could share any details of the debt. I tracked the original phone number to the company and called their publicly posted phone number at XXXX. Again they refused to discuss even mailing information about the debt to me until I provided PII over the phone to them. I told them " No '' to which they responded " When you're ready to pay you'll give us the information. '' I am unaware of any outstanding debt that I haven't paid. I have received no notice of outstanding debts.
Product: Checking or savings account

I was looking over my emails when I noted a message from TD bank that informed me that my account was ready for my first deposit. The account had been opened yesterday, XX/XX/2023 using my email of XXXX. I had not opened a new banking accounts and did not use my email and evidently the account was opened using my social security number. There had been no deposit as of this morning XX/XX/2023. I called TD bank as soon as I saw the bank notifying me that my account ( per-se ) was ready for my deposit. I had not known of this bank or its name until today. TD banking has closed the account opened in my name and my social security number. The account was immediately closed and I was informed by TD bank that my identity had been stolen. The bank has sent a notice to their customer fraud account. I was informed that I would receive a letter in the mail giving me information as to the fraud and that TD bank does an investigation as well as reporting this to consumer crediting monitoring that the bank has for such instances. I was directed to file a report with the FTC that lead me to this site to report stolen identity. TD banking has given me a year of free credit monitoring but also recommended that I purchase an account elsewhere for credit monitoring as TD bank took a few weeks to start. I notified my husband of this occurrence. If needed I have the last four numbers of the checking account whereas I had my identity stolen. The TD banking was helpful and informative. I was also was told that it would be a good idea to close my aol account to further more protection. I never give out my social security number or show the card to anyone except the IRS or if I am at the SOCIAL Security office so I am at a loss to understand how this can happen but TD bank said there are more than 10,000 identities per month in the United States.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

Venmo app has held my XXXX dollars. My account was hacked and now i can not access my money they said for 180 days. 
I couldnt even access the provisional money they gave me cause it was on the venmo mastercard.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account with XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 16811 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( 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: Student loan

On Wednesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Biden 's Loan Forgiveness. I saw on the XXXX XXXX XXXX website that we were able to request a refund on payments made throughout the payment pause that started in XXXX due to Covid laws/orders from the federal government. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days and could even take much longer than that. 

I was a XXXX XXXXXXXX recipient and will therefore eligible for {$20000.00} in forgiveness. Throughout the pandemic I paid well over {$20000.00} in payments. Due to that I requested a refund of my final 4 payments which total just over {$20000.00} at {$20000.00}. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXXXXXX XXXX  are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. What's worrying to me is that the application for forgiveness starts in XXXX and edfinancial won't be processing any of these in time for us to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed which won't be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but it's very concerning to me that they're saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other people 's loan providers reinstating their balance after requesting it just XXXX hours later makes me very concerned that this company is not working in my best interest.
Product: Debt collection

This outfit robo-calls my home number 4 to 6 times a day. They never leave a message or anything. I do not owe anyone any money and have not for more than fifteen years. 

I have never received any documents from them or any supposed distressed creditor.
Product: Credit reporting or other personal consumer reports

I inquired of the US Federal Court if they provided the XXXX credit reporting agencies my financial information without my consent. They state they have not provided the information. I sent a letter to XXXX, XXXX, Transunion and XXXX XXXX. They all stated they validated the debt and the information remained on my report. I received a letter from the Court they had not validated any such information. This is incorrect reporting without my consent nor the Courts consent. This violates 15 USC 1681 ( b ). 
None of the companies have sent me any documentation of validations or consent from the originating party.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Twice Equifax was called today to resolve a year long issue on freezing my credit profile. 

Equifax has been requested to via mail, fax, phone and online portal to freeze the credit profile and they have refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient student loan was supposed to remove missed payment in good faith within new agreement. My wife has chronic illness from XXXX XXXX. Payment fell behind when she was hospitalized. I have now had a new agreement and all payment history was cleared from my account y just not my credit record or score. 

Thank you
Product: Credit card or prepaid card

I applied for a AAA visa credit issued by bank of america in XX/XX/2020. I never received a decline letter from them. I was called by representative to provide further information and that they would get back to me. They never gave a reason as to why I was not approved. Furthermore, three other family attempted to apply for the same credit card and they were all given denials without a reason. I feel as if bank of america is unfairly denying myself and family members from the same household without a reason. 

I would like a fair reason as to why I am getting denied from this product. 

application number : XXXX
Product: Debt collection

XXXX XXXX took out a fraudulent internet loan for XXXX dollars in 2014 and has hounded me ever since to pay off a loan that I never made. After sending in a police report and sending all of my information to XXXX, they refuse to release the non payment status of this fraudulent loan on my credit report. When contacting their customer support line, they told me that my birth year was incorrect. Seriously, I know when I was born but apparently the identity thief did not. And somehow XXXX XXXX still gave out the loan anyway. This has been a consumer nightmare and XXXX XXXX is a bad, bad company. Beware.
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$730.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} 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 received an alert stating that a collection ( Fair Collections and Outsourcing ) was placed on my credit profile with Experian.I contacted Experian about said debt and from there I disputed the collection. The collection came back as verified by Experian. I called Experian several times after seeking information but none avail. I began to do my own investigation and from there I discovered that the " collection '' is a civil judgement. I went to the 61st district court in person and spoke with a clerk, whom advised me that no one ( Experian nor any other 3rd party agencies ) has been in to verify any information on the civil judgement. Also upon speaking with the clerk I learned that the information Experian is reporting is not the same as the civil judgement. The civil judgement is for {$2300.00} which is what the 61st district court has. Experian has the collection ( civil judgement ) reporting as {$3800.00}. The dates aren't the same either. This all violates my rights pertaining to Fair Debt Collections Practices Act. Also, Experian has violated the laws set forth on how civil judgements are reported on credit profiles. NO classification code was added! Experian has NOT reported a full file monthly! Experian has NOT included a name, address, social security number, date of birth to said collection. Experian nor any other 3rd party agency has continually verified the information by making courthouse visits at least every 90 days!
Product: Student loan

Hello, I have made numerous payments on Edfinancial portal, only to be notified of a payment reversal afterward. On multiple accounts, my payments have not gone through since XX/XX/XXXX. I have notified Edfinancial without any resolution of the issue. It is my goal to pay off my student loans as fast as possible and mitigate accrual of interest. 

I have reached out to Edfinancial via phone and email about these issues since XX/XX/XXXX. When speaking with a representative on the phone, I have been told that the issue would be explored. I have had this conversation 3 times without a solution or follow-up response. I sent an email in XX/XX/XXXX. XXXX months later, I received an email promising a follow-up email with a form to fill out to investigate this issue. I never received this form. The most recent phone conversation was XX/XX/XXXX informing me that there would be an account exploration. I was informed that I would hear a response within XXXX business days. Yet again, I never received a response. 

I checked with my bank, and this is not a banking issue. The problem is confusing because sometimes payments go through on Edfinancial, and sometimes, they do not. Since the beginning, Ive had my Edfinancial account linked to XXXX different bank accounts. With both accounts, the payments have not gone through. 

Im wanting to make XXXX types of payments : autopay and additional mid-month payments. I have been enrolled in autopay for multiple years. My autopayments have also not gone through since interest rates started reaccumulating in XX/XX/XXXX. Even though Im enrolled, Ive been notified of XXXX late payments. This issue is very frustrating. Im wanting to make timely payments with additional payments, but Im unable to do so. I was also told on XX/XX/XXXX that the autopay issue would be explored. 

In total, I have tried to pay {$26000.00} that has been reversed on Edfinancial website. This is {$26000.00} that has been accumulating additional interest since XX/XX/XXXX. 

Of these attempted payments, {$22000.00} was attempted to be paid before XX/XX/XXXX. Since then, {$22000.00} ( that I already tried to pay ) has been accruing interest at an average rate of XXXX XXXX 

Ive included a document with history of payments and subsequent payment reversals.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, along with the Privacy Act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of information under 15 U.S.C. 1681b, 15 U.S.C. 1681, and 15 U.S.C. 1681s-2. 

Account Names & Numbers : XXXX  XXXX XXXX XXXX XXXX XXXX  Inquiries & Dates : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing TransUnion Credit Reporting Agency to publicly report my personal and financial information per 15 U.S.C. 1681b nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681 and 15 U.S.C. 1681s-2. This is an infringement upon my identity, privacy, protection, and rights.

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

15 U.S.C. 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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

this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars XXXX. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all three credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. Both of these accounts have been disputed on three separate occasions and the collection agency continues to report inaccurate and unsubstantiated information. 

CSI group has stated that dispute was received and investigated without showing proof upon request. CSI group has also responded stating dispute was received 8 times through XXXX which is also incorrect. All disputes have been made in writing and never responded to. CSI group has violated the FDCPA and FCRA by not doing an investigation that they admittingly have received 8 times and also reporting inaccurate information on my credit report for the past 4 years which has caused denials of a rental for myself and my children. 

After the first complaint filed X/2017 csi group proceeded to remove XXXX XXXX XXXX account of {$2600.00} from on XXXX leaving the damaging and inaccurate information on both XXXX and XXXX.
Product: Checking or savings account

1 ) There is {$11.00} charge that is XX/XX/20 -what is it. I did not authorize-how was it taken out? Please advise-I have waited years for disputes and never resolved. Making occ complaint. 2 ) Also they filed fraud against XXXX XXXX and not XXXX whose item was under warranty-hope this doesnt bite me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1990 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world