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

In accordance with the fair credit Reporting Act XXXX XXXX, Account number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

In XX/XX/2018 I filed a diaper against merchant XXXX for {$110.00}. XXXX 's was charged back on XX/XX/2018 which they claim they sent the funds back via charge back. It if now XX/XX/2018 and American Express Serve disputes team can not find the funds and they keep asking me for the same documents I've provided them over and over again with via email. Which I have confirmation saying those documents were received. Today I called checking status once again, speaking with disputes supervisor promised find would be credited to my account today and that the dispute was filed under wrong label. Always a different story. 
Calling later that day funds went posted to my account I was told, still investigating due to insufficient documents. That's ridiculous
Product: Student loan

Good morning, My name is XXXX XXXX, and I was previously attending the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX PA XXXX. I begin my education at the location mentioned above on XX/XX/2022, and through the enrollment process I was told that I could possibly apply for financial aid in the form of a loan. I was told by the same department who consolidated my existing loan, that I would get an opportunity to review the loan, before accepting it, which Ive never accepted. 

Ive came to the determination that I would like to attend another program, and in the process of enrolling in the new program, they made me privy to the fact that I was eligible for a grant, which the previous Institute did not make me aware of. Instead, my previous school continued to guide me down the direction of taking out a loan, which I would not have done it if I would have known I was eligible for a grant. 

Since then, these loans have been placed on my credit report. When Ive contacted the school about the current situation, I was told that they were given the right to take part of my loan for their expenses. Expenses that I have yet been told for what. I was never aware of my loan being processed, approved, or anything, but the school took it upon themselves to acquire funds that I did not know were available. 

I would appreciate it if you could assist me in the matter and help me understand how my loan could be approved and processed, to the extent there is now additions to my debt, but Ive never seen any of the money from the loan. Before I attended the school, I had only 1 ( one ) school loan, now I have 3 other school loans attached to my credit, but never seeing any of it in my account, or in check form. 

Please, and thank you. 

XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

XX/XX/20 : I received a set of checks under my name and address from a " bank '' I never heard before. Initially I thought it was a mistake due to a previous request of set of checks from my financial institution. The checks are made by a third party which I contacted to let them know about that " mistake ''. 

XX/XX/20 : After 5 weeks I returned home and I found in my mail a statement from the same " bank '' I received the set of checks before. 
The statement has my name as the owner of that account. There were two deposits from XXXX for about {$5000.00}. 
I called that " bank '' Fraud line and spoke with somebody who told me the account was flagged for suspicious activity. Apparently the two deposits for {$5000.00} were for unemployment from a state I never lived there. This person gave me a long list of phone numbers to call. He also said was going to cancel the account and return the checks. 

XX/XX/20 XXXX : I call again the " bank '' Fraud line and spoke to a different person who advised me to go in person to the nearest " bank '' branch. 
A few minutes later, I called that branch and after providing my SS number, the person who helped me mentioned the DOB used to open an account under my name was wrong. 
He said that somebody from a security company that works with the " bank '' was going to contact me by phone or email. UNTIL TODAY IT NEVER HAPPENED
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permission for Experian XXXX or XXXX to report Bankruptcy on my report as this is damaging my reputation and stopping me from getting any approvals
Product: Debt collection

The Stillman Law Office has been collecting for a XXXX XXXX XXXX credit card that had gone into collections. Stillman filed a Writ of Garnishment XXXX/XXXX/XXXX and I immediately filed an answer to stop this by applying for periodic payments XXXX/XXXX/XXXX. We went to court XXXX/XXXX/XXXX and we agreed on monthly payments. After the confirmation that the writ was canceled, my employer is still getting letters about the garnishment. It is very distressing and embarrassing that they are still trying to collect on a garnishment that is no longer in place.
Product: Debt collection

I have a a unverified account from Caine & Weiner. I had previously disputed this account. I have never done business with Caine & Weiner. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Caine & Weiner Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Caine & Weiner Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

-XXXX  Is reporting an incorrect address that is not mine. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX -Equifax Is reporting incorrect address on my credit report -XXXX  XXXX XXXX , OH XXXX -XXXX  XXXX XXXX  , OH XXXX -XXXX  XXXX XXXX XXXX  , PA XXXX -XXXX  XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX ,  OH XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX , OH XXXX -XXXX  XXXX XXXX , OH XXXX These addresses are reporting incorrectly and should be removed right away. They are causing issues with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reported to the credit bureau 30 day late payment.I wasnt late, it was a bank error with my funds being processes. I contacted XXXX in XX/XX/2020, for a goodwill and they denied. Due to not having document from bank. On XX/XX/2020, I submitted a letter head statement from the bank in regards to my payment history and the error which was made.
Product: Debt collection

The agency re-aged a debt of {$640.00} without my permission, showing an opening date of XXXX/XXXX/16. I have not had service with XXXX in the last 4 years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, account number XXXX and XXXX XXXX XXXX account number XXXX has violated my rights. 
15 USC 1681-602A states I have the right to privacy.

15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I am not liable for these debts, I do not have a contract with these collections and they did not provide me with the original contract as I requested.
Product: Debt collection

On or around XXXX to XX/XX/XXXX, I closed my XXXX XXXX account, and the debt associated with this account became delinquent around that same time. However, Transworld Systems Inc. is inaccurately reporting an open date of XX/XX/XXXX, on my credit report. This incorrect date does not reflect the actual date of first delinquency, as required by the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( c ) ( XXXX U.S.C. XXXX ( c ) ). 

I have repeatedly requested verification of the correct date of delinquency and asked for this information to be updated accordingly. Despite my requests, Transworld Systems Inc. continues to report an incorrect date, which is reaging the debt and extending the reporting period. This practice is a direct violation of the FCRA, as it inaccurately portrays the status and age of the debt. 

The ongoing failure to correct this error is damaging my credit and is in violation of my consumer rights under federal law. I demand that this account be updated to reflect the correct date of delinquency or be removed entirely from my credit report. 

I request immediate action to rectify this issue and ensure that my credit report is accurate according to the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment bureau - XXXX - is reporting an erroneous account on my credit and showing a balance. I have disputed this several times with the bureaus and they claim it is valid and it OBVIOUSLY IS NOT! 
This debt was paid prior to even going to Knight adjustment bureaus and it was sent to collection in error. Now they keep reporting and updating a BALANCE on my credit file even though their own note on the accounts shows SETTLED FOR LESS!!! 
So how can this be valid? it is a clear and obvious violation and it has just affected my financing. I lost a house because of this so I have notified my attorney to pursue legal action unless this is removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX  opened a credit card for me. It was my first credit card ever. I needed one because my family and so was trying to purchase our first home and my credit was deemed to new. I was advised by my credit union to open a credit card account. So I received a limit of {$2000.00}. I paid my balance on time and more then what I owed for months. On XX/XX/XXXX. My family and I suffered a electrical house fire. We lost every single thing we owned and only had the clothes on our backs and childrens back. XXXX XXXX helped us get into a hotel. I went to my credit union and asked for an increase on my credit card to regain important documentation weve all lost as well as to have food and continued shelter. I was given a {$8000.00} increase. Making my new credit limit {$10000.00}. I never went over my balance maximum and always paid on time what I owed. In the beginning of XXXX. I utilized my credit card to get into a new apt and furnish the apt . As well as, clothes for the children, myself and husband. Unfortunately, it placed me at the maximum of my limit. As well as, a few late charges reflecting on the account which caused the balance to go over the credit limit. I intend to pay {$3000.00} on my credit card with my paycheck. I suffered severe XXXX XXXX due to neglect of XXXX restaurant in XXXX NC. I had severe XXXX  and was terribly ill. I wasnt able to make the monthly payment for XXXX, XXXX and now XXXX. I advised my credit union that I am waiting on my case settlement and will pay the balance in full. They stated I have until XX/XX/XXXX to pay the past due amount or they will place this account as a charge off and it will lower my score even further. I tried to explain my situation but they said this matter is final. I am still waiting for the check to be cut to me. I do not know what else to do. I am in search of employment currently since my recovery. I am a XXXX  XXXX as an XXXX. I have been for over 11 years, I make XXXX XXXX XXXX XXXX for work. Once I receive an assignment I get paid. In this economy it can be slow in getting work. I am doing all I can, as I have explained to my lender XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix the XXXX late on my credit report from XXXX XXXX XXXX XXXX XXXX XXXXXXXX since XX/XX/2022. My credit report is showing correctly that I paid in XX/XX/2022 I paid my whole balance off and in XX/XX/2022 I made a payment due to me paying my balance off in full there was no payment due in XXXX XXXX strange because if i made timely payments in XXXX and XXXX where is the XXXX  day late I have sent the statement from the bank stating there was no payment due in XX/XX/2022 but my rights were violated again by XXXX and Equifax The account is closed but Equifax has it reporting open with a late payment while XXXX has it closed with a late payment they both are violating my rights
Product: Money transfer, virtual currency, or money service

I Sent {$100.00} to a family member living in XXXX back in XX/XX/year>, the money was never delivered, i called money gram customer service, and a case was opened to determine why the delay in the transfer. 

After several weeks, i got email from money gram Your transaction was not deposited by the disclosed date of availability. 

After completing our investigation, we have determined that an " error '' may have in fact occurred with your transaction. We apologize for the delay in the funds being made available I was later informed thereafter that the money has been deposited in the receiver account. 

I called the receiver to verify, but she never received the money. 

Till now the receiver is yet to receive the transfer. 

In the same email- money gram offered to refund my transfer fee, but what about the original transfer amount? I expect full refund so i can utilize another transfer company to send the money to my family member in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting me with late payments and that card belongs to my dad.

XXXX XXXX is reporting 2 credit cards with late payments and those cards belong to my dad
Product: Mortgage

My martial settlement agreement stated that I had six months to assume my mortgage from the date that I was issued my divorce decree on XX/XX/XXXX. I immediately called Chase to start the assumption process on XX/XX/XXXX. I spoke with underwriter XXXX XXXX at Chase XXXX XXXX on XX/XX/XXXX and was told I need a second co signer to increase my income to pass the XXXX and housing ratio requirements. I resubmitted the application again with a second co signer. I repeatedly informed the underwriters that my ex 's attorney was demanding a pre approval letter and a closing date otherwise she was going to hold me in contempt of court and demand I list my home for sale. The underwriters at Chase failed to inform me why they could not provide me with a pre approval letter, options of what I can do, or guidelines of the overall assumption process to provide the court. Underwriter XXXX XXXX informed me my assumption was denied on XX/XX/XXXX because my second co signer could not be approved because he is my XXXX father. Now I am currently being held in contempt of court because Chase exceeded the six month court ordered deadline to assume my mortgage. My ex 's attorney is asking for me to be sentenced to prison for XXXX months, to pay all of his legal fees and to list my home for sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to buy a car but every time the dealership checked my credit, they got a XXXX so when I called Equifax, they said my credit was XXXX. When checking my credit, I got XXXX, I even got a report from " https : //www.annualcreditreport.com/ '' that my credit is XXXX. 

So, this morning I saw this on the news. Https : XXXX that " Equifax miscalculated the credit scores of thousands of consumers. Some people may have received a different credit decision due to the coding error. 

please i am an active member i am buying this car i can't qualify.
Product: Debt collection

Since XX/XX/2019 I have been receiving unwanted harassing telephone calls on my cell phone from a company called Midland Credit. I have been called from ( XXXX ) XXXX on XXXX at XXXX XXXX and again on XXXX at XXXX XXXX, after which I blocked the number, as I do not have any debts and don't even have a credit card. Since then they have called me from ( XXXX ) XXXX on XXXX at XXXX XXXX  ( blocked ) and just this morning from ( XXXX ) XXXX at XXXX ( also blocked ). This company has a notorious record of harassing innocent people seemingly at random with daily unwanted and unnecessary phone calls. They don't even leave a message so I don't want to have any direct contact with such unscrupulous people. I want this stopped and if they don't stop these calls I want to go on record that I feel I deserve financial compensation from them for enduring this abuse.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed some inaccurate unverifiable unknown fraudulent hard inquiries that I did not give permissible purpose to do so under the fcra anything inaccurate or unverifiable has to be deleted immediately and I also provided proof of credit report including ftc report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

I, XXXX XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX XXXX.
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 XXXX XXXX Account number : XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX Account name : XXXX Account Number : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account. I have sent out a debt validation letter XX/XX/2018 and haven't heard any responses from the company. I have filed identity theft with The FTC.