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

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the XXXX CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requestingsome accommodations so I care to protect the integrity of my credit file.XXXX  XXXX XXXX  XXXX # XXXX account is reporting XXXX, DAYS LATE XXXX XXXX XXXX XXXX  # XXXX account is reporting XXXX, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. 
I have some inquiries that I do not recognize from the following XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

OnXX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting.To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. XXXX, ( XXXX XXXX  XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items.I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts.If information is not provided or the false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX  XX/XX/XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Checking or savings account

Call from a number that looked like US Bank The gentleman said there was a problem with my account and he sent me an activation code so I could reset it. Had me read him the number and he got into my account and XXXX himself one payment for {$500.00}, {$700.00}, {$450.00}, and 2 {$90.00} transactions. The fraud department opened up an investigation and said it would be 7-10 business days before I received an answer in the mail. After getting the response I called asking for documentation of why they denied it on XX/XX/XXXX. I then spoke to someone on XX/XX/XXXX and they were missing so many details in the investigation that I had originally gave them so they now reopened the investigation and will be another 7-10 business days
Product: Debt collection

On Monday XX/XX/2019 at XXXX EST I spoke with XXXX XXXX in the Rate Reduction Program Department. I advised her of my concern. She asked a couple of questions regarding my request to apply to the rate reduction program. Follow a brief hold she provided the results of the review. I was not satisfied as the rate of 5 percent increased to 8.5 percent. Once I challenged the rate increased her behavior became very aggressive thus making me become very assertive. She would not provide any details around the rate reduction programs and declined to provide any feedback around the changes to the program, noting this she does not have to disclose that information to me. I feel Navient/Sallie Mae takes advantage of their clients. As a result my payment has increased from {$430.00} to {$530.00}. This is absurd and I don't know how to combat this. I was very vulnerable so I gave in to the new payment as the regular payment is around {$700.00} a month. Please Help!! Sallie Mae/Navient is really taking advantage of their clients. I don't know how they are allowed to continue to service loans.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian, one of the major credit reporting agencies, for allowing an unauthorized and unverified debt collection entry on my credit report by XXXX XXXX. 

I recently discovered that XXXX XXXX has reported a collection account on my credit report managed by Experian. This action has been taken without my prior knowledge, consent, or any form of communication from XXXX XXXX XXXX end. I have never been contacted by XXXX XXXX regarding any debt, nor have I ever engaged in any form of transaction or agreement that would warrant such a collection notice. 

Furthermore, I firmly believe that this collection entry is erroneous as I do not owe any debt to XXXX XXXX. The lack of initial communication and verification from XXXXXXXX XXXX XXXX side before reporting to Experian is concerning and, I believe, a violation of my consumer rights. 

This unverified and unauthorized entry on my credit report has caused me undue stress and may potentially harm my creditworthiness and financial reputation. Therefore, I request the following actions : A thorough investigation into this matter by Experian and the immediate removal of the collection entry from my credit report if it is found to be unsubstantiated. 
Assurance that such incidents will not recur, and my consumer rights will be duly respected and protected. 
A written confirmation from Experian and XXXX XXXX regarding the resolution of this complaint. 
I trust that the Consumer Financial Protection Bureau will take this complaint seriously and ensure a prompt and fair resolution. I am prepared to provide any additional information or documentation as required. If this is a violation I want to sue! 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Prepaid card

I bought a XXXX prepaid visa card, debit Visa from XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX date of purchase was XXXX XXXX and time was XXXX. 
I loaded {$60.00} onto the card. The only purchase I made on the card was on XX/XX/XXXX for {$32.00} at XXXX XXXX. I didn't try to make another purchase till XX/XX/XXXX at XXXX XXXX. At that time only {$.00} came off the card and then it said insufficient funds. When I got home I checked the balance on their website, provided on the back of the card : XXXX at XXXX. There was a charge of {$27.00} to a XXXX XXXX, XXXX at a XXXX in California. When I looked it up, it appeared to be a clothing store in California and the charge was made online. 
So, I called the number on the back of the card to make a fraudulent claim for reimbursement. The lady who answered had a heavy accent, couldn't even understand her name. I had to have her repeat her questions many times. She took my name, email, and phone number down and said she was filing a case number. The case number provided was XXXX. She said it would take 45 days to reach a conclusion. So, XX/XX/XXXX came and went without resolution. No one got back to me. Upon going on their website again to check my balance, the website says down for repairs. It has remained this way ever since. It's now XXXX XXXX. 
Doing some research showed me many, many people with this same problem with XXXX of dollars disappearing. When they try to resolve online, they get the same message I did. Website down indefinitely after the card has been robbed of all the remaining money. Many stated that the phone number was attached to just another scam agency. 

I want to know how this is possible for a fraudulent gift card to be sold in various stores in various states and how to get my money back. Is a class action lawsuit possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

Below please find a copy of the complaint I sent to the three credit bureaus. 

I am writing to dispute the following information in my file. In XXXX of XXXX, my student loan company XXXX XXXX XXXX XXXX hereinafter ( XXXX XXXX either intentionally, recklessly, or negligently reported all my loan statues as 90 days late in the middle of the pandemic. 
Nelnets report that my loans were 90 days late is inaccurate for several reasons. First, simply look at my credit report, in XXXX of XXXX XXXX reported all my accounts as current, how is it possible for me to be 90 days late only one month later. The only notice I had that I was late was when I received the notice from XXXX XXXX My Credit drooped over 100 points, I was furious. I contacted XXXX and their holding message said, I didnt need to do anything during the pandemic. When I finally spoke to someone, they informed.me that I was 90 days late. I told them how is that possible when they just last month reported me on time, and they could not answer. When I asked why no one had ever contacted me via phone or email, I discovered that they had the incorrect phone number and email address. I have had the same phone number for 21 years and the same email address for the last 5. Furthermore, my contact information was sufficient for the previous owner of the loan to contact me via email and via phone. If there was any error with my contact information it is because of XXXX intentional, reckless, or negligent acts. When I contacted XXXX and made them aware I could not make the monthly payment they immediately made my loan current without even providing them with a payment and instructed me to file for a repayment plan with the government. After filing my paperwork with the government, I was given payment terms of XXXX $ for a year starting in approximately XXXX of XXXX. XXXX is the one to blame for my being reported 90 days late I did nothing wrong. Had they simply contacted me like the last owner of the loan did the loan would never have been reported 90 days late. Because of XXXX action I lost out on a car loan and an apartment. 
I am requesting that the loan status for all XXXX loans in XXXX of XXXX be changed to current and the designation of 90 lay payment status be IMMEDIATELY removed to correct the information. 
Please investigate this matter and correct the disputed items IMMEDIATELY. Please also be aware a copy of this letter is being sent as a complaint to the consumer financial protection bureau and I will be contacting an Attorney and pursuing legal action against both you and XXXX. You company is negligent for allowing an account to be reported 90 days late before it has first been reported 60 and 30 days late. Your negligence is as much to blame in the falsities on my credit report as XXXX. Your company has a duty to report my credit accurately and you breached that duty ny allowing my account to be listed as 90 days late before first being listed as 30 and 60 days late.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX AND XXXX ARE REPORTING A LATE PAYMENT ON MY CREDIT PROFILE WHICH HAS DAMAGED MY CREDIT SCORE XXXX AND HAS HURT MY ABILITY TO OBTAIN A GOOD CREDIT SCORE AND RECIEVE OFFERS OF CREDIT FROM COMPANIES IN XXXX. I DON'T BELIEVE XXXX DID A FARE INVESTIGATION IN THIS MATER AS WELL AS THE OTHER AGENCIES, XXXX AND XXXX, XXXX XXXX. THIS HAS HURT MY CREDIT IN A SEVERE WAY. AGAIN DROPPING MY SCORE XXXX POINTS. I WAS IN THE XXXX 'S AND IN EXCELLENT STANDING WITH COMPANIES WANTING TO DO BUISNESS WITH ME AND OFFER CREDIT TO ME. 

UCC CODE VIOLATIONS : 15 USC 1666b 15 USC 1637b 15 USC 1681s-2 15 USC 1681i To name a few. 
Mr. Cooper is NOT MY ORIGINAL CREDITOR AND HAS NO RIGHT TO REPORT ANYTHING ON MY CREDIT REPORT, AS THEY NEVER LOANED ME ANY MONEY FOR A MORTGAGE AND ARE A THIRD PARTY AGENCY. MR. COOPER HAS BEEN MAKING ERRORS ON MY MORTGAGE PAYMENTS AS IT REPORTED MY MORTGAGE WAS PAID IN FULL, THEN REMOVED MY MORTGAGE OFF MY CREDIT PROFILE THEN PUT IT BACK ON MONTHS LATER AND STARTED REPORTING ON MY MORTGAGE AGAIN. CLEAR ERROES HAVE BEEN MADE. XXXX DID NOT DO A POPER INVESTIGATION WHEN I COMPLAINED AND SENT COMPLAINT TO THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has reported my status as past 30 days delinquent. However this payment was made on time on the app. However it was never applied. Bank of America acknowledged it was an error and reversed the late fee, but said they could not reverse the credit reporting. Because of their error, my credit score has decreased by XXXX points! I have lost all of my credit usage with other cards, and now I cant even get a car loan. I have never missed a payment in my life. I am hoping you can fight for me to rectify this situation.
Product: Money transfer, virtual currency, or money service

My account with crypto.com was locked out and I'm unable to access my account.
Product: Debt collection

I have tried to fix this debt with this company, I sent them letters. I called them the account comes from identity theft, I got into a desperate situation where I was going to pay it because my grandma passed away and I needed a loan to pay for funeral at a very sad and hard time in a desperate situation I called this company and theyve tried to take advantage I told them I was a victim of identity theft this isnt my account but I needed to have a funeral for my grandma and They tried to get me to pay money I dont have for an account I am a victim of identity theft and Ive been a victim of this debt collector trying to take advantage of me please helpThey are ruining my credit profile causing me pain on top of pain. This is wrong
Product: Credit card

I was charged by Citi card for service that I did not request. Since I discovered that Citi card was charging me with this service I have been calling the for an answer. They said that they will take care of but I have been dealing with this situation for more than two moths without any result. The first charge was made by then back in XXXX XXXX XXXXXXXX. A service that I did not request, I requested my money back because they charged me since that day until XX/XX/XXXX a total of {$860.00}. I requested from the proof of whom gave them authorization to charge my credit card two moths ago but I have not received any information about that.
Product: Debt collection

XXXX {$1800.00} XXXX XXXX.directly who stated they could not send me proof of the contract I supposedly signed. Refuses to stop.collections and remove from my credit reports, all XXXX of them. 

Contacted collection agency at XXXXXXXX convergent. Refuses and says they can't send me a contract also. Refuses to stop collections and told me to contact XXXX. Will not seize and desist collection efforts although I have asked numerous times for them to fix my credit report showing this is not my debt
Product: Credit card or prepaid card

I rented a bike to ride around XXXX, XXXX when I was there, but I had a small accident on the bike. When I was turning in a small alley, I accidentally hit the gas handle and hit the wall of XXXX XXXX  store that was on the corner of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX. Even though nothing serious happened, upon realizing I was a tourist and a chance to make moeny, the store owner demanded XXXX bahts to " fix '' the wall, which is almost {$1700.00} USD. I told him that was an unreasonable amount, but he surrounded me with his friends and local people and was yelling at me and was very aggressive. I tried to call the police, but then the owner of the bike shop that rented me the bike, who is from the XXXX XXXX and has been living in XXXX for 7 years, said that the police are corrupt and that they would likely side with the store owner even if his demand was unreasonable. 

The XXXX also mentioned that the police would try to take money from me as well or they would likely put me in a monkey cell, which would ostensibly cost me far more than the XXXX bahts demanded by the pharmacy store owner. I also knew from my readings that the police are very corrupt there. So, I realized that the best of all the worst options would be to pay the store owner and get out of the country as soon as possible so I can dispute the issue from the outside, not inside of the country due to fears for my safety. Since I did not have enough money, I offered to pay with a credit card. For payment with the credit card, the store owner demanded my passport so he could take a picture of it with the receipt to make the transaction look more legitimate than it was. After taking a picture with the receipt, he refused to return the passport stating he would hold on to it until the transaction was complete. Not only was I extorted money UNDER duress, but also ended up having my passport taken away illegally. I was speechless. 

After I left the country, I disputed the transaction with my bank right away and tried to explain the situation. I told them that the transaction wasnt voluntary and that I had to make it UNDER duress. My bank credited the money back, but that unethical person got the money back because he had a picture of the receipt with my passport. So, he is using my passport to make the transaction look like a legitimate one. I know for sure that when a customer makes a transaction UNDER duress, it is not a valid transaction. How can a transaction that was made under a threat to the safety of a person be considered valid? I really dont get that. I also contacted different government agencies of XXXX and the tourist police of XXXX, but they are saying I need to physically come and file a complaint, which means I have to fly over there. I dont feel comfortable going there. 

I would kindly like to request CFPB to help me in getting Capital One to remove the transaction from my account. I have a perfect credit history and I wouldnt want to ruin it because of this single shady transaction. I am a struggling service member and that kind of money makes a big difference to me.
Product: Debt collection

Trident Asset Management is a ttempting to collect on a debt that by law, in the state of Florida, they 're not licensed or bonded to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, Transition, Equifax, and XXXX does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Here are the inquiries below I do not recognize on my credit report and did not consentCompany Name : XXXX XXXX Date : XXXX Company Name : XXXX XXXXXXXX XXXX  Date : XXXXXXXX XXXX Company Name : XXXX XXXX Date : XXXX XXXX Company Name : XXXXXXXX XXXX Date : XXXXXXXX XXXX  Company Name : XXXX XXXX Date : XX/XX/2022 Actions That Were Taken ; I have called and sent letters and no response has been given in regard to the above inquiries.
Product: Credit reporting or other personal consumer reports

According to FCRA this creditor has violated my rights. 

Under 15U.S. Code 1681 section 602 states I have the right to privacy. 

15 U.S. code 1681 section 604a section 2. states that a consumer reporting agency can't provide an account without the consumer 's written instructions Under 15U.S.code 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

I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECIEVED ANY INVESTIGATION RESULTS
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX  XXXX Balance : {$5000.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$750.00} XXXX  XXXX XXXX Balance : {$2000.00}
Product: Checking or savings account

I had money in my checking account and made a transfer to my wife out of state. Then got emails saying that I owed money for the transfer and then was hit with a overdrawn account. There was more then enough money for the transfers and fees for this. So I let them close the account I never dealt with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian continues to reject FTC id theft report, IRS identity theft verification, XXXX compromised ID or XXXX XXXX police report, COMPLAINT CFPB XXXX XXXX, delete, investigate or update. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX cLAIMS EACH MONTH I AM SUBMITTING FRAUDULENT DOCUMENTATION, REFUSE TO PROVIDE A XXXX FILE DISCLOSURE, NO EXPLAINATION. ACUSATIONS THE I AM USING A CREDIT REPORTING AGENCY. NO, I PURCHASED MY OWN SET XXXX XXXX XXXX BOOKS AND I STUDY THEM DAILY. AND I KNOW MY RIGHTS, BETWEEN THE MASSIVE XXXX XXXX OF VIOLATIONS AND THE XXXX PLUS RECORDING I HAVE OF REPS FROM EXPERIAN BOLDLY STAING THEY ARE NOT REMOVING ANYTHING. I ANTICIPATE A NICE CHUNK OF XXXX. I WRITE MY OWN DISPUTE LETTERS. SEE ATTACHED PHOTO.