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

In accordance with the Fair credit Act. The list of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 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 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 15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account Without my written instructions.

15.U.S.C 1681. C ( .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 or crimes which antedates the report by more than 7 years.

15. U.S.C 1681 S- ( 2A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have called XXXX XXXX several times and have spoken to different representatives that have informed me t that I qualify for the " temporary expanded Public Service Loan Forgiveness Program (  tepslf ). '' I know this to be true because I completed 7 years in the program and was placed in the wrong repayment plan for over 3 years so I am a perfect candidate. The problem is that the XXXX XXXX   representatives claim not to have access to TEPSLF and neither do individuals who have applied to the program. There is no phone # only an email address that does not respond.
Product: Credit reporting or other personal consumer reports

I looked at my Credit Profile recently and saw that I had duplicate accounts being reported that are damaging my score. As a Consumer I have the right to a credit report that is 100 % accurate. On my Equifax credit report, I see that XXXX has reported account XXXX  twice. I am hereby requesting that XXXX please remove one of these account as they are inaccurate and should not be on my credit report. I understand that Equifax oversees several accounts and mistakes can happen. However, I would like them to please remove this duplicate account from my credit report.
Product: Debt collection

On XX/XX/XXXX a letter was sent out by XXXX XXXX XXXX XXXX XXXX on behalf of Navient. The letter referenced Loan numbers XXXX and XXXX which appear to be loans from XXXX College and are under review by the Department of Education due to fraud, endangering my life, and encouraging their students to commit felonies and war crimes. 

The amounts of the loans when reviewing the amounts actually appear to be the following two private loans from XXXX XXXX XXXX which are over 15 years old and way past the allowable collection period. 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Loans XXXX and XXXX are for the following amounts and originate from XXXX College. XXXX has has {$0.00} balance and XXXX is in administrative forbearance until XXXX XXXX - XXXX XXXX - XXXX These collection tactics are deceitful, unlawful, dishonorable and a disgrace to a civil society. 

Additionally, I believe the deceitful tactics in attempting to collect a debt that is no longer collectable violates FCRA. As a South Dakota resident, these debts are past the statute of limitations which is 6 years. 

I would like Navient to remove these loans from their online portal. They can shove them into some other website for online portfolio management so that I do not get confused and accidently, through their deception, make a payment towards these loans and reactivate the statute of limitations. 

I would also like all collection notices from Navient to cease as my account is under administrative review from the Department of Education and there is no reason a collection notice should be issued.
Product: Mortgage

I applied for a loan with Ranlife mortgage just over a month ago. After my discharged bankruptcy in 2013, I first wanted to make certain I would be eligible, as I had a previous mortgage loan I was no longer responsible for. That mortgage has a primary mortgagor who is still paying and plans to keep the property. After much discussion and their underwriting dept. verifying my approval, we moved forward and began my search for a new home. After a few weeks my realtor found me the perfect home. I paid for the inspection, appraisal and paid my earnest money after the seller agreed to my offer. Many weeks past as we awaited the appraisal to come back and for the loan to be underwritten. The appraisal came back at XXXX less than the asking price, so the seller agreed to lower the price contingent on us closing on time. This expectation was communicated with Ranlife who gave us the go ahead. On XXXX XXXX, just XXXX business says before the scheduled closing, ranlife called and told me they needed further documentation to prove I am not financially liable for my previous mortgage loan and they wanted proof to show new ownership. I explained I can not force the primary mortgagor to refinance and put in his name but that should not matter as I am not on title, nor my credit and I have provided all the bankruptcy papers to illustrate this point. I called my previous mortgage company and asked for a letter but they require 10 days to process and mail that letter. The seller does not want to wait and already made it clear that a closing date was required for the lower selling price. I am now looking to lose the earnest money, the money for the inspection and appraisal and the time and effort I have put forth, not to mention my emotional well being. This is something that should have been requested weeks and weeks ago, not 2 days before the scheduled closing date. The lack of due diligence on Ranlifes part has now cost me the home of my dreams and thousands of dollars and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX we went bankrupt and when we went bankrupt I didn't know we had to reaffrim the mortgage. So that were all the problem started. I talk to US Bank in XX/XX/XXXX so I could get mortgage on my credit report I sent a letter to US Bank. Nothing happened. I also had problems making payment so I hook up with ( HUD ) and made payments on XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX. i did all the right things make sure I didi n't miss a  payment. My account # is XXXX, they tell me I followec all the payments to a T. So in XXXX I got this letter from US Bank tell me that if I want recast I would owe them XXXX without a recast I would owe them XXXX as a payoff. I want to know what the payoff should be. Please Help Me
Product: Credit reporting or other personal consumer reports

XXXX, equivalence, and XXXX  are reporting inaccurate information on my credit profile.
Product: Debt collection

I have written several disputes to this company and they have not responded AT ALL! They have willfully violated my rights by intruding onto my credit file without any prior notification or stated reasons. I have disputed the account, and they have not responded to me! This violates the FCRA and FDCPA in so many ways it hurts! PLEASE HELP ME!
Product: Money transfer, virtual currency, or money service

Hello! I think I got scammed on Venmo ( https : //venmo.com/ ). Here is what happened : 1. On XXXX XXXX, 2021, at XXXX XXXX I received a transaction of {$570.00} from someone named XXXX XXXX XXXX whom I do not know at all. Moreover, I did not receive any email or text notification from Venmo about this transaction. 

2. On XXXX XXXX, 2021, at XXXX XXXX an amount of {$570.00} money was transferred from my Venmo account to a XXXX, XXXX XXXX Personal Checking account ending with XXXX. This checking account does not belong to me and I do not know whose account it is. It was not added to my Venmo account before. Moreover, this transaction was done without my authorization. Again, I did not receive any email or text notification from Venmo about this transaction. 

XXXX. On XXXX XXXX, 2021, at XXXX XXXX XXXX XXXX XXXX disputed the first transaction and Venmo approved his/her dispute. I received an email from Venmo about this dispute on XXXX XXXX, 2021, at XXXX XXXX. 

Now the result is I own Venmo {$570.00} and my Venmo account was frozen. 

I disputed the second transaction to Venmo and explained to them that this transaction is unauthorized, but they denied my request. 

I also emailed Venmo and explained what happened to me many times, and asked them to investigate these transactions, but they were not able to solve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XXXX on this account with XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, XXXX, and Transunion. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   did n't replying in a timely manner to any of my letters, or have they to date after numerous certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDC PA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating  within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am prepairing lawsuit against  XXXX ,  XXXX   &  TransUnion for not investigating nor responding to me as well, and taking no action when   XXXX   XXXX   XXXX   did not reply.
Product: Credit reporting

Experian they r very disrespectful people, I did dispute collection this is 6 times, I ask them prove to me thet the XXXX XXXX XXXX, they r providing any proves to you, no respond they r very very disrespectful, I did XXXX letter send them proves, XXXX XXXX XXXX XXXX they could n't prove the debt to me, how they prove that to you experian, I talk to them over the phone also I give them tracking number thet XXXX collection agency they received my documents to provide me withe prove no respond from collection for 8and half month, and how come you experian do n't prove to me, I send them letters proves they ignore them, I threatened them withe law sued they start to XXXX XXXX, so that shows you how careless people they r and how they disrespect r constitutional rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I submitted a dispute on a collections item on my account ( {$1600.00} ). This was the SAME amount submitted by a different collections agency earlier in XX/XX/2021 that was researched and removed by all 3 reporting agencies. It appears the debt ( incurred due to identify theft ) had simply been sold from one agency to another. I had no issues with the other 2 agencies seeing that this is the exact same item I disputed earlier this year and them removing the issue ( AGAIN ) from my credit report. However, Experian has stated that they validated this debt to be accurate ( which is impossible ) and are not removing it from my credit report. The only option I was given was to report them and their company to this site for remediation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under XXXXS Law 15 U.S.C. 1666XXXX, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.
Product: Checking or savings account

after a fraudulent debit card charge was reported XX/XX/XXXX, a new debit card was delivered and activated XX/XX/XXXX. An ATM withdrawal of {$60.00} was made by me at a local bank branch ( XXXX XXXX XXXX ). XX/XX/XXXX my online credentials were not working. 

When I called the XXXX # I was transferred to another department that would NOT disclose the issue with my account. I was informed that a letter was sent to me with a REFERENCE #. Nothing about my account could be discussed without that reference number. 

I followed up by going to the local branch at XXXX XXXX XXXX to see if they could determine the issue- they could not. I was advised the letter could take XXXX business days. After nothing arrived in the mail, I called the XXXX # again, requested to speak with a supervisor who told me it could take XXXX ( XXXX ) business days to receive the letter. 

XX/XX/XXXX I scheduled an appointment at XXXX XXXX XXXX. The branch representative called the XXXX # in my presence, gave his bank I.D . and branch I.D . The person could not dislose the issue. When the phone was handed to me I was told another letter would be mailed to me- but no confirmation that it would be sent by close of business XX/XX/XXXX and that it could take XXXX business days. 

My account has now been frozen for XXXX  days. I have NO correspondence, no email, no documentation as to WHY my account is under review. The branch rep printed recent transactions which were all legitimate. The funds are in my account. Payroll from XXXX separate agencies for whom I work freelance were deposited. My mortgage payment was REJECTED. My AMEX payment was rejected. I had to use a joint account at another bank to pay these obligations. 

NO ONE IS HELPING ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to an luxury apartment in XXXX. This apartment complex had an agreement with XXXX  for all residents so I could not continue service with XXXX. I contacted XXXX and after receiving a bill for early termination of {$160.00}. After some back and forth, XXXX sent me an email dated XX/XX/XXXX at XXXX XXXX  stating they would credit my account for the early termination fee ( which I have submitted to all parties, Experian, XXXX and XXXX XXXX who charged me {$340.00} deposit because of XXXX  negative report on Experian. On XX/XX/XXXX, I received an email from Experian that they closed my account stating the creditor disagrees. There is nothing to disagree with as I have DOCUMENTATION ; there was no other information or explanation. I have excellent credit and never checked Experian so was unaware of XXXX  negative reports for the past year until I moved to Florida and applied for electric services.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
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 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 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 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 XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This is a follow-up to claim # XXXX. Target Cash is refusing to settle the account which they clearly stated they would below. 
Target Cash Now is in receipt of the complaint filed with the CFPB. We take all comments good or bad very seriously. The following is our response to the items noted. First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer, XXXX XXXX. First and foremost, Target Cash Now is committed to complying with the spirit of all applicable federal laws and the laws of the XXXX XXXX XXXX XXXX. In regard to Ms. XXXX, the loan terms and conditions, as well as repayment options, were explained to her at the time of loan origination. Target Cash Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. Specifically, the APR is disclosed both on the Target Cash Now website, as well as the loan documents that are reviewed and signed by the customer. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by Ms. XXXX at each point by mandatory electronic signature. The loan agreement signed by Ms. XXXX is legally binding, and we have every right to expect payment as scheduled in the agreement. We certainly understand our customers experience financial difficulties from time to time, and we appreciate Ms. XXXX diligence in paying off her previous loan with Target Cash Now. Regardless, as a gesture of goodwill to a valued returning customer we will consider Ms. XXXX obligation settled for what has been paid and consider this matter closed. This will be notated in Ms. XXXX file. We will make every effort to reach Ms. XXXX utilizing the contact information she has provided to us. Correspondingly, Ms. XXXX, at her convenience, may call our customer service line and she will be directed to a representative who can assist her with any questions. We hope that this letter resolves any concerns. As noted above, Target Cash Now is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Respectfully, Target Cash Now
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account type : Collection/ unauthorized Account opened : XXXX Past due amount XXXX Updated:XXXX 1 late payment As I expressed I have no acknowledgment of this account a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section XXXX681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] Please remove this account!!