23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loans were initially with American Education services. The loans defaulted back in XXXX of XXXX which changed the lender from American education services to pheea. I had reached out to both lenders to resolve my status to good standing to change the late payment status that is being reported to the credit bureaus. Both Pheea and AES are saying that the other company is reporting to the credit bureaus. I had filed a dispute with aes and they verified that the information on my account is accurate. The balance on my credit shows a XXXX balance but yet I have a late payment status reporting for each month. Neither company is taking responsibility, and no one can change the status because pheea had mentioned that the loans status will switch back to aes after the loan forgiveness bill is passed by the Biden administration. so, they advised me to wait until then. I do not believe that the loans should still appear on my credit anymore since the loans were from XXXX and XXXX. I would like the loans removed from my credit history.
Product: Credit reporting or other personal consumer reports

I am deeply concerned and frustrated to discover numerous fraudulent accounts tarnishing my credit report, seriously jeopardizing my creditworthiness. In my pursuit of securing a home for my family, these unwarranted entries persist despite multiple attempts to have them removed. Compounding the issue, my information was compromised in both Experian and XXXX breaches, eroding my confidence in their ability to safeguard my consumer report. I believe this situation violates my federal rights under 15 U.S.C. 1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), and I am distressed by the emotional and mental toll it's taking. I have reported these issues to the local police department and the Federal Trade Commission, emphasizing the illegal disclosure of personal information to third parties. If these damaging entries are not promptly addressed, I am prepared to pursue legal action to rectify the inaccuracies in your database.
Product: Credit card

Subject : Request for 1099-C for Canceled Debt I am requesting a 1099-C ( Cancellation of Debt ) form for an account that was charged off. The account in question was written off as uncollectible, but I have not received the 1099-C form, which I need for tax purposes and to address an ongoing legal issue. 

Account Information : The Golden One Credit Union account was charged off and written off as of XX/XX/year>. The balance at the time of charge-off was approximately {$2100.00} Actions Taken : I have reviewed my records and confirmed that I did not receive the 1099-C form from the creditor. I am currently involved in a third-party lawsuit related to this account and require the 1099-C for tax reporting and legal purposes.I request that the 1099-C be provided as soon as possible so I can address the legal and financial implications of this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is just disappointing! Despite the previous attempts to correct my Credit File by updating and or removing the disputed accounts on my Credit File, the Credit Bureaus have been doing nothing! While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. There a lot of erroneous reporting being done on my Credit File which is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. I am submitting this CFPB complaint to request to the Credit Bureaus to please have investigate and remove or correct the disputed accounts completely from my Credit File : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I am requesting the Credit Bureaus to please notify me when the items have been updated or deleted. Once this has been accomplished, please forward me an updated copy of my credit report to the address listed above.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I purchased a {$300.00} Vanilla Visa gift card at XXXX on XXXX. I made 3 purchases : XXXX to XXXX XXXX for {$28.00} XXXX to XXXX XXXXXXXX XXXX  for {$26.00} XXXX at XXXX XXXX for {$6.00}. I went to use the card in the first week of XXXX. It was at this time that I realized the remaining {$230.00} was used fraudulently. I immediately contacted XXXX XXXX, followed their steps and filed a dispute form on XX/XX/2022. I researched all of the transactions and provided them with detailed information of where/when/amount that my card was fraudulently used. I was able to recover {$9.00} of the {$230.00} from one vendor. I received a confirmation email on XXXX XXXX XXXX  that my dispute ( I can provide the case number later if you need it ) was received and to allow 90 days for their review/decision. Once the 90 days was up ( XXXX ), I repeatedly contacted the Vanilla Visa customer number at XXXX. I was always getting the answer of " call back in 24-72 hours and we will have a decision ''. This never was the case. After many, many calls to them, I finally received this answer on XXXX from them : The Payments Network allows recovery efforts to be submitted within 60 days of the date the transaction cleared the account. Your claim is outside of this timeframe. Unfortunately we have no rights of recovery. At this time, this dispute has been closed. Today, I received a new Vanilla Visa gift card in the amount of {$9.00} ( for the charges I got recovered ). I have not activated yet, nor do I plan to until I get a resolution on the remaining {$220.00}. On XX/XX/2, I received an email that a replacement card was requested on that date and to allow 7-10 business days. Even with the holidays, it has been longer than 7-10 business days.
Product: Credit reporting or other personal consumer reports

The late payments are inconsistent with my usual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft. Someone use my SSN and some identity information open a credit card on XXXX. It was issued by XXXX Bank : XXXX XXXX card. I got a hard inquiry on it. An XXXX order was placed under this card, the address was not mine but using my name instead. I have cancelled the order and froze the credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit report companies after disputes still show accounts ADVERSE even though all the accounts have been corrected and in the text show NEVER LATE. The reports need to correctly list these disputed accounts as no longer ADVERSE. please help to have all three reports to be correctly listed. 

Thank you
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I'm very disappointed to find that this unauthorized account still adversely affects my creditworthiness. It's crucial to understand the significant impact this has on my financial standing. Despite multiple attempts to rectify this issue by submitting letters to remove the account, Experian continues to report it, which is deeply concerning. 

XXXX XXXX  XXXX. 

XXXX and XXXX have already recognized the error and removed this account from their records. I urge Experian credit bureau to follow suit promptly. Immediate action is imperative to delete these fraudulent accounts resulting from identity theft.
Product: Money transfer, virtual currency, or money service

I sold XXXXXXXX XXXX at Umpqua bank XXXX Oregon on XXXX XXXX and was only given XXXX XXXX dollars. The correct exchange rate would equal approximately {$6100.00}, this was on XX/XX/2024. I can provide a receipt from the bank if needed showing all information.
Product: Credit card or prepaid card

I made an online purchase at XXXX XXXX in XX/XX/2020, They said it would be curbside pickup. When I arrived at the store I called the pickup desk and was told my order would be out shortly. after waiting for 30 minutes I went into the store and pulled one of the items I ordered off the shelf and paid at the register. When I was walking to the register a employee ( wearing no name or apron ) asked my name and about my order. I said I would pay for what I had and asked her to cancel the online order. The charge is still on my statement today. I can not reach the credit card company by phone or text, which is how I always contacted them. When I emailed them I was told to call the customer service number.
Product: Debt collection

I have contacted Roosen Varchetti & Oliver by telephone and by mail and asked for a copy and summary of what is owed on my account. As it relates to mail I have not received a response and the letter was sent last month. As it relates to telephone I was informed that I can not receive a copy of the ledger for this account. This is troubling to me due to the fact that I am being garnished by my place of employment and I don't want to pay more than what is owed. For some time this company has not treated me with respect. Initially they withdrew money from my bank account and then I made a payment plan with them that they would not put in writing. I don't understand what kind of practice runs a business where they do not want to provide documentation to the individual they are receiving money from. In addition, the amount that I owe from my own standpoint is completely different then what they have on their site. They do not have a ledger on the website nor a summary of what has been paid. I would like that as it is only right and appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I always ask vendors if they are pulling a hard credit inquiry and, if they are, I refuse their product, unless I'm shopping for something specifically that requires it. I try to keep hard credit pulls to one or less a year. 

The following companies are listed on my credit report as pulling a hard credit inquiry without my express permission : XX/XX/XXXX - XXXX  ( I have no XXXX credit cards ) XX/XX/XXXX - CREDCO ( The only service monitoring my credit activity is XXXX. I don't recognize Credco. ) XX/XX/XXXX - XXXX XXXX ( I don't recognize this company and have not expressly given them permission to pull a hard inquiry. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Experian on XX/XX/XXXX to notify them of an incorrect account on my credit report. I do not feel that an investigation was done because there is still a late payment reporting in XXXX for accounXXXX XXXX XXXX  XXXX XXXX. In XXXX my payments were deferred so there should not be any late payments hence the reason why XXXX and XXXX aren't reporting any late payments. Experian would have known this if they would have done an investigation. Being that it has been over a month and this account is still reporting, I am demanding that this late payment is removed within 15 days. Experian is in violation of the FCRA and CARES ACT and I will be taking this to small claims court if this error is not updated immediately. Please see the letter that is dated and time stamped. The account in question is highlighted.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing issue regarding the late opening of my account. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. Upon reviewing my account records, it has come to my attention that the opening date listed for my account is inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00}.
Product: Debt collection

I called XXXX XXXX XXXX XXXX on XX/XX/18 to make a negotiation so that they can settle my account due to I lost my job, and so that they can close my account after agreeing to the settlement amount. In a recorded line, a certain XXXX XXXX offered me to pay {$1200.00} up front to settle the account instead of paying the whole amount of {$2400.00}. I accepted the offer but before I gave my payment I have ask them to send me the settlement letter of {$1200.00} and that I do not owe any money to them after the settlement. He agreed to send me the settlement letter after 2 weeks or so. He eventually transferred me to another person who took my payment and gave me conf # XXXX. But after 2 weeks I received a letter from XXXX XXXX XXXX stating that I still owe a balance of {$1200.00}. XXXX XXXX XXXX deceived me big time. On XX/XX/18 i tried contacting this company again to ask for the settlement letter but can't reach anyone to help me. Phone # 's are listed below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I'm summiting this complaint because I've been targeted for Identity theft. My Non public personal information has be compromised through data furnishing and sharing of my personal information. This information was shared without my written consent. According to the Gramm Leach Bliley act my personal information should be safeguarded with the financial institution I'm doing business with, and not to be shared with any other third party financial institution. In regard to not receiving full discloser and having my consumer rights completely violated. I would like this matter resolved as soon as possible in accordance with 15 U.S. Code 1681C-2. I demand these accounts be removed from my credit report with in XXXX business daysXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a judgment against me on a {$5000.00} balance from an old Citi credit card from my early XXXX and I 've been paying on it for almost 7 years now, around XXXX every year has been taken from my check and I have more than paid this debt back and I feel I 'm getting taken advantage of by their debt collection service, XXXX Law Firm.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate late payment information on my credit report for the following account : [ Late payment XXXX XXXX XXXX XXXX ], account # [ XXXX ] The late payment ( s ) reported are incorrect, and I believe the information is incomplete and inaccurate. I request a full investigation to verify that the account is reported correctly, including the payment history, dates, and balances. I also request proof of the alleged late payments, including statements and payment transaction records from the creditor that would show the payments were not made on time. If such proof can not be provided, I ask that my payment history be updated to Paid As Agreed, Never Late ( PAANL ) status, as required by consumer laws
Product: Credit card or prepaid card

I received a debit card in the postal mail yesterday ( XX/XX/2021 ). This was a USBank Debit card but I had closed my XXXX account over a year ago ( probably 2 years ago or more ) When I called XXXX ( usbankreliacard ) at XXXX they were not able to access my information based on the card number but instead wanted me to provide them with my full legal name, my address, my birthday and my full social security number at which point I told them I would not provide that. They then said that there was nothing that they could do for me. 

This is either a scam or USBank trying to get me to be their customer again by sending me a card for an account that I had closed long ago ( for reasons very similar to this ... USBank sending me credit cards that I did not request ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXXXXXX acct # XXXX has violated my rights. 
XXXXXXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX acct XXXX XXXX has violated my rights. 
XXXX acct XXXX XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 
XXXXXXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U S C 1681 Section 602 A States that I have a 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 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 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: Checking or savings account

Around XX/XX/2022, acting as an agent and a beneficiary of my brother-in-law 's company ( XXXX XXXX ), I was to make a {$20000.00} wire transfer to a banking account of a XXXX  company as a payment for their products and services. On XX/XX/2022, I received an email from the company, saying that I should make a payment to their US account at Chase Bank ( XXXX, bank address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). I wired the money and then was contacted by the XXXX  company that their email account has been hacked by an unknown individual and that they filed the case with the XXXX  police ( I have a copy of the report ). I contacted Chase Bank about the possible fraud but Chase refused to provide any information about the transfer and the XXXX account. Beneficiary on the account was the XXXX  company ( XXXX, which is an aviation company out of XXXX ) but it was not the XXXX  company who opened the account. I understand that a cyber criminal opened the account with Chase lying about his/her identity as a representative of the XXXX  company. I also contacted the FBI cyber crime division but there is no response from them whether there is any ongoing investigation.