23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have currently paid off the credit card debt that I owe to XXXX  XXXX XXXX due to a misunderstanding in my family. I still receive calls from debt collectors over a debt I do not owe anymore and it is still a blemish in my credit report. These debt collectors have been calling me since XXXX of this year and I have been receiving calls from 3 different companies : XXXX  XXXX, Portfolio Recovery, and XXXX XXXX XXXX. I have not answered any of their attempts at contact due to understanding my rights and knowing that as of this point my debts are in good standing now. According to what my credit report has said I owe up to {$2600.00} to portfolio recovery, {$710.00} to XXXX   XXXX, and {$930.00} to XXXX XXXX  XXXX  which is not close to the amount of debt I previously owed.
Product: Debt collection

XXXX XXXX XXXX XXXX is NOT my school! 

I made the mistake of applying to this school last year. That is ALL I did. 

I did not register at that school. 

I did not attend class at that school. 

I did not sign any type of agreement with that school. 

What I have concluded is that this school ( under no ones authority ) tried to steal my Grant money. It appears they stepped in and claimed to the Federal Government that THEY were the school Ii would be going to and my Grant money should come to them. This was a lie. This is a SCAM.

Again, I never paid a registration fee or even registered to go to that school. All they had was my initial application ( of which XXXX other schools did as well ). I did not choose those schools either. And this problem did not arise with those schools.

It appears they made up fake classes, pretended like I would be going to that school to the Federal Government and then tried to charge me for those classes so they could obtain my Grant money.

If you look at my Federal Pell Grant on the Federal Student Aid website you will see there name is there and it should not be since I had nothing to do with that school. Why is there name even on my dashboard or profile. I was NEVER registered at that school!!!!!!

I am guessing a few months later once the Federal Government received a request from MY school ( XXXX XXXX ) that is when the funds were then moved to the correct school. 

XXXX is now trying to charge me over {$2000.00}. 

Again, I did not register with the school, I did not take classes at the school, I did not sign anything with that school or have any type of agreement with them.

And now they are even sending this amount they claim I owe ( for nothing ) to a collection agency affecting my credit report. I complained to the collection agency but they never replied.

This is a complete and total SCAM they do with people who apply and then choose a different school.

That is why I now need to help of a third party.
Product: Debt collection

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking the credit bureaus to delete these unknown addresses on my report since XX/XX/XXXX. 

XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX I need them deleted off of my credit reports they do not belong to me. Not my primary residence.
Product: Debt collection

Ive sent Experian more than three letters reporting items on my report that need to be removed because it goes against the FCRA. This collection from discover is unauthorized and stoping me from obtaining a great credit score. I havent received any validation of debt since I sent discover my first validation letter on XX/XX/2020, which was delivered on XXXX XXXX. I have my certified mail receipts. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. ). Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Student loan

This is in reference to 2 payments made online with Navient. I made a payment of {$160.00} on XX/XX/XXXX and {$27.00} previously. I received email confirmation saying payment was received. A few weeks later I am getting notices saying my payment is late, its going to collections etc. I logged on to find that Navient had reversed my payments. No explanation why. Upon research I discovered that many people are experiencing this. 

This morning I called Navient. Of course theres longer than usual wait times as well as having to make an appointment to speak with someone later in the week. 

In the past Navient has charged a fee to make a payment over the phone. 
Also, its unjust that my credit is being affected due to their mishandling of funds.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove 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
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

XXXX received payment ( See below ) " within the grace period of 2 days from the due date XX/XX/XXXX '' yet fraudulently reporting increased account balance to credit reporting companies. This is NOT THE FIRST TIME. XXXX and all credit reporting companies were sued in XXXX XXXX in XX/XX/XXXX and it does not even stop XXXX and all credit reporting companies putting inaccurate account balance in the credit reports and financially damaging me with lower XXXX XXXX. 

" From : XXXX Countys XXXX XXXX Date : On Thursday, XX/XX/XXXX at XXXX PM Subject : Your bill payment was delivered To : XXXX Dear XXXX XXXX, The following bill payment has been delivered : Payment Details Payee Name : XXXX Student Loan Borrower Payee Acct # : XXXX Acct # : XXXX Amount : {$830.00} Send Date : XX/XX/XXXX Confirmation # : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y. XXXX CFPB XXXX XXXX XXXX XXXX XXXX XXXX TO WHOM IT MAY CONCERN VIOLATION OF THE FCRA 15USC 1681 ( i ) PROCEDURE IN THE CASE OF DISPUTED ACCURACY DEAR SIR/MADAM I WOULD LIKE TO FILE A COMPLAIN AGAINST EXPERIAN CONSUMER SERVICES . 
THE COMPANY HAS VIOLATED THE FCRA CODE 15USC 1681 ( i ) PROCEDURE IN THE CASE OF DISPUTED ACCURACY WHICH CLEARLY STATE AS FOLLOW ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
15 USC 1681i ( 5 ) ALSO STATES ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( i ) promptly delete that item of information from the file of the consumer, THE 30-DAY PERIOD IS UP ; IT HAS BEEN OVER 43 DAYS AND EXPERIAN CONSUMER SEVICES HAS NOT RESPONDED. SO ACCORDING TO THE LAW THE BELOW INFORMATION SHALL BE DELETED. 
I AM REQUESTING EXPERIAN CONSUMER SERVICES TO DELETE THE FOLLOWING ACCOUNT ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STATUS : CHARGE OFF IF EXPERIAN CLAIM THAT THEY HAVE RESPONDED TO ME PLEASE HAVE THEM PROVIDE A COPY OF THE NOTICE THAT THEY SENT ME ALONG WITH THE TRACKING NUMBER TO PROVE THAT THEY RESPONDED BEFORE THE 30 DAYS. 
PLEASE REFER TO THE ATTACHED PROOF OF DELIVERY OF MY DISPUTE LETTER TO EXPERIAN US POSTAL SERVICES CERTIFIED MAIL RECEIPT TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX YOURS TRULY XXXX XXXX
Product: Debt collection

I paid cash and they used my insurance. Later they tried to collect money illegally. I didnt paid as thought fraud. They reported to credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate item. Nor was the last case submitted to you all. Any further attempts to not submit the requested information will result in legal action. Several collection agencies have contacted me stating that your company sold them debts for all closed accounts with XXXX XXXX. I believe that I am victim of undue harassments. In accordance with the FCRA and FDCA, please send the following : -A list of fees that were charged to the account -when the accounts were closed -Who did XXXX XXXX sell the debt to and when was it sold. -Does XXXX XXXX or XXXX XXXX XXXX have any interest in the debt and if so please provide any contact information on who to contact to settle any balances that may be due
Product: Credit reporting, credit repair services, or other personal consumer reports

Look I'm the victim here, this Bank XXXX has been a problem for years on my Credit Reports. I filed Bankrupty over 15 years ago, XXXX was part of that judgement. I see on my credit report that this account came after my bankrupt. They are really beginning to upset me, not only are they on my credit report, but on my mothers credit report who has no nothing to do with that bank. My old mother doesn't even have a credit card only XXXX XXXX. Me and my mother are victims of fraud, we have reported it. Many stuff on my report are very similuar to my mothers. I'm very upset with all these banks that allow Credit Cards to be open without background checks and liability. This needs to stop. Also Bank Of America is on my report 4 times I've never banked at that bank. Stop this fradulent asctivity
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.
Product: Payday loan, title loan, or personal loan

My first round PPP loan was originated on XX/XX/21. I was finally funded by my lender, Capital Plus Financial, on XX/XX/21. ( I was told by them that the delay was due to a glitch in their system. ) Fast forward to now ... my loan status in CAWEB is still listed as " Active Un-Disbursed ''. My round 2 application for the PPP won't process, I'm told, until Capital Plus Financial has this status updated. I contacted Capital Plus Financial on XX/XX/21 and received a response from them on XX/XX/21 stating that they do not control the CAWEB updates. I contacted them again on XX/XX/21 ( when my status was still unchanged ) and was told the same thing. I was in contact with my local SBA office on XX/XX/21 and was told that the lender is, in fact, responsible for getting the CAWEB status updated ... that my status would update when Capital Plus Financial sends over my loan disbursement information to the SBA, and that, ideally, that should be done within 10 calendar days of my loan disbursement. I located the same information in SBA guidance and included that in a follow-up email to Capital Plus Financial on XX/XX/21. I have heard nothing back. Meanwhile, my CAWEB status remains unchanged and my round 2 PPP loan application is at a standstill. 
This has been the case for so many people dealing with Capital Plus Financial. Due to delays, many have yet to even be funded for the first round. I have an application that seems to be going nowhere at this point. If Capital Plus Financial would simply update my status, there may be hope for me to get my application processed before the deadline.
Product: Prepaid card

I receive my ssi benefits every 1st of the month on to my XXXX XXXX card. I called to check my balance on my card today XX/XX/XXXX and it stated that my ssi benefit was deposited on XX/XX/XXXX of about {$1200.00} and that my balance is now {$0.00}. How could my balance be {$0.00}. The lady said she saw over XXXX transactions all today for {$8.00} draining my account of all my funds and then transferred me to the fraud department where I was forced to wait on the line for over XXXX and a half hours only to be told that I have to verify my identity by emailing a pic of the front and back of my drivers license before they can look at my account and then I would receive an email to call back. That sounds like Im being given the runaround so Im filing a complaint to resolve this before I lose my section 8 for missing my rent payment. So I sent the email with my Drivers License front and back earlier today and still havent received any correspondence as promised by the end of today. Why did they let this happen? I need my money to pay my rent, bills and food today.
Product: Money transfer, virtual currency, or money service

Hello, I hope that you are well and that you had a good weekend. I have a complaint against Google Pay, specifically Google Pay support for misleading advertising and not adequately following up with me. I will provide screenshots of my correspondence with them. After initially running into an issue on XXXX XXXX with their XXXX XXXX XXXX and Cashback offers, I contacted Support and was told that I would receive a payment to my account shortly. After many attempts to contact them, I found that I was unable to get ahold of the representatives and receive updates. In the emails, you will see that I have opened around 5 cases for the same issue and it has been escalated numerous times, to little effect. Usually what happens is I get in contact with them, finally, and then they tell me that they need to consult with some other representative and that they will get back to me within 24-48 hours. Sometimes I would go a week without a response, and when they finally respond, it is another representative telling me to wait another 24-48 hours. This has gone on for two months. They also will not assist me in filing a complaint with their supervisor. I have provided all the required information that they asked for in a timely manner and have been diligent in following up. However, they have not returned that courtesy. So far I was told that someone would contact me again but I have not heard from them within their timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Via certified mail, I submitted a request disputed request for verification of items being reported on my credit report. The letter was notarized and included copies of my driver 's license and passport photo as additional proof of identity. The request for verification under the FCRA was sent to Transunion, XXXX, and XXXX on XX/XX/2022. Based on tracking from the US Postal Service, all three agencies received the request by XX/XX/2022. Upon reviewing my credit file, none of the agencies honored my request to seek verification. The request cited the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I asked that they verify - through the physical verification of the original signed consumer contract - any and all accounts posted on my credit report. And that the verifiable proof ( an original Consumer Contract with my Signature on it. Lastly, I stated that if they failed to verify the accounts, they must be removed, and they needed to provide me a copy of the verifiable proof. 
Upon contacting Transunion on XX/XX/2022, I was informed that the requested disputed and investigation were not started based on my written request because it was determined to be from a third party. That is despite the fact I had provided proof of identity and a notarized and certified letter. In that phone call and several others over multiple days, I spent over 8 hours discussing the matter with various Transunion personnel, who all stated that my letter had been received, but the verification department deemed the letter to be from a third party. 
There is no prohibition I could find stating a dispute could not be submitted by a third party on my behalf. Moreover, this particular request to investigate was written by me, notarized, and sent by certified mail. In my conversations with Transunion, it is clear they failed to honor my request and comply with the FCRA based on the pretext that my notarized and certified written request was not from me.
Product: Debt collection

I have a report debt of XXXX $ that I 'm not sure where it 's coming from. I 'm looking to contact and speak with somebody that can help me figure this out and fix this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

on 3 different occasion i have sent depute letters to experan, XXXX  and XXXX about 2 collection accounts on my credit report and ask that an invention be done According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). the first letter was sent on XX/XX/2020 .and it came back as validated and verified, so i sent a second letter on XX/XX/2020 asking for proof of the investigation and a copy of the original creditors documentation on file to verify that this information is mine and is correct. And there response was to up date my credit report with validated and verified with no feather information on there investigation or how it was performed. My credit report shows that the investigation was opend and closed, so i'm sending a third letter asking that these 2 accounts be removed off of my report pursuant to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .of the FCRA.i am filing a complaint with you and asking that an investigation be done on my behave to have these accounts removed for they are hurting my credit score and preventing me from obtaining funding that i need to fund my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

the student loan was open on XXXXand they kept change the open date to XXXX and i have not made a payment and 2 years go they stated on my credit report in collection and was sent to goverment collection agency since Biden stop payments on student loans they remove the comment and no w show that payment are up to date and they change the date and then i have student loans that are paid on my credit report that are 15 years old they will not remove them i went delinquent on my student loans back in XXXX please help me remove this student loans form my credit report i have diputed them couple of times and got no results thank you for reading this letter sorry if the grammer is bad i have a XXXX couple of months
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX ( didn't remember this number ) Account type : Credit card Date opened : XX/XX/XXXX Status : Paid, Closed. {$1.00}, XXXX written off. 
Status updated : XX/XX/XXXX Has violated my rights. 
It keeps saying : Potentially negative. Erase this from my credit Report. 

2 ) Account name : XXXX  XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status : Open. 
Status updated : XX/XX/XXXX Balance : {$940.00} Balance updated : XX/XX/XXXX Recent payment : XXXX XXXX  Monthly payment : {$25.00} Credit limit : {$1800.00} Has violated my rights. 
It keeps saying : Potentially negative. Erase this frase from my credit Report. 

3 ) Account name : XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Date opened : XX/XX/XXXX Status : Open. 
Status updated : XXXX XXXX Balance : {$1400.00} Balance updated : XX/XX/XXXX Recent payment : XXXX XXXX Monthly payment : {$370.00} Original balance : {$12000.00} Highest balance : {$0.00} Terms : 54 Months Has violated my rights. 
It keeps saying : Potentially negative. Erase this frase from my credit Report.

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