23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX I consolidated my loans in order to be eligible for XXXX. I was on track to accrue XXXX PSLF payments in XX/XX/XXXX. The Fedloans representative I called specifically told me that some of my loans were already direct loans and did not need to be consolidated in order to qualify for XXXX. The Fedloans paperwork and website made it difficult to see which loans were actually accruing XXXX payments, and it took me several years to realize that some of my loans were not accruing XXXX payments. I was devastated. Dealing with Fedloans was so awful and frustrating that it made me physically ill. In XXXX I was told by FedLoans on the phone and in writing that my only option was to consolidate those remaining loans and start over with XXXX. Because Im on an income-based plan when some of my loans accrue XXXX PSLF payments in XX/XX/XXXX, my monthly payment will still be based on my income and will not go down until the remaining loans accrue XXXX payments in XX/XX/XXXX. I was hopeful that the XXXX waiver would correct the situation. Fedloans has continued to be difficult to communicate with, slow to reply, and unresponsive when replies do come. I have been paying all of my loans on income-based plan since XXXX while working for PSLF-eligible government agencies. The payments I made between XXXX and when I was forced to consolidate again in XXXX should count so that all of my loans- all which I have been paying the whole time on income based plans while working for eligible employers - accrue XXXX payments at the same time. FedLoans has failed to be a decent and honest servicer, and I am now extremely worried that the XXXX waiver will also fail to correct the damage caused by FedLoans failure to provide accurate information and unfair practices. Thank you very much.
Product: Debt collection

In XXXX, I received two letters from XXXX XXXX XXXX ( both attached ). One states it was for XXXX XXXX XXXX  account ending in XXXX for {$710.00} owned by LVNV Funding. The other states it was for XXXX XXXX XXXX XXXX XXXX  account ending in XXXX for {$1000.00} owned by LVNV Funding. I did not recognize either one. Both letters state they will accept disputes and requests for more information in writing ( either by mail or the link provided in the letter ) by XXXX and XX/XX/XXXX respectively. On XXXX, I went to XXXX and disputed the debts and requested more information using the form provided. XXXX failed to respond to the requests and instead reported the collection for account ending in XXXX for {$710.00}, which was added to my report on XX/XX/XXXX. I immediately called XXXX to inquire about why my request for validation/dispute was ignored and was told to contact Resurgent. I contacted Resurgent using their website form and got the attached email that I would receive a response from the appropriate department. No response. On XXXX and XX/XX/XXXX, they proceeded to also add a collection for account ending in XXXX for {$1000.00} to my credit reports.
Product: Debt collection

On Saturday, XX/XX/year>, I received an electronic communication from a company by the name of InDebted USA Inc, a debt collection agency alleging a debt owed to XXXX, a buy now pay later loan service. I received another comunication on Sunday, XX/XX/year>, which I find to be in violation for religious reasons. The communication is through email. Due to concerns with phishing, I do not open suspicious links sent through email or text. I find the communications suspicious as I have not received any validation information through the United States Postal Service. I find the conduct of InDebted USA INC to be in violation of the Fair Debt Collection Practices Act as their electronic communications are increasing in order to harass, oppress, and abuse.
Product: Credit card

Wells Fargo is violating regulation-E and attempting to hold me liable for fraud. I reported it in XXXX when it occurred and assume the bank did their job, but due to gross negligence the fraud report was not filed correctly. While doing my taxes I noticed that it had not been resolved and refiled again in XXXX. However, it was done wrong again and again and again. It finally escalated to the executive office where they have been arguing with the fraud team as they are trying to hold me liable for fraud. Their XXXX excuse is that I continued to pay my credit card bills, which of course I did as I thought that Wells Fargo has handled the fraud. Sadly this seems like its yet another instance of Wells Fargo being dishonest and unprofessional while violating federal regulations. 

There are charges for a dentist, lawyer, and handful of other things that are not me and in excess of {$10000.00}. I have not seen a dentist in the US other than my dentist in XXXX, that has been my dentist my whole life. Wells Fargo has a very long tradition of dishonest business practice, hence why they have had so much legal trouble.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my Experian consumer report and noticed an item I would like to dispute. It is as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Reason : This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for negligence. Please DELETE this item from my consumer report! 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft and is what happened with the listed account on my consumer report. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

XXXX sold my account to Sequium, we had an agreement to settle and delete off my credit report. I have proof with the emails from Sequium, they are attached. Please delete off all of my credit reports. This is not okay, I am trying to purchase a home and they are hindering me from doing so. We had an agreement and they are breaking this by not deleting XXXX collection account off my credit reports.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.
Product: Student loan

i have dispute this item on my credit report 30 days ag0. did show me any results. this account is tarnishing.my consumer report. the investigations took well over the investigations. I HAVE THE RIGHTS OF PRIVACY. 1681AI 1681B 1666B 1692C PLEASE REMOVE ACCOUNT FROM CONSUMER REPORT.
Product: Debt collection

I found 3 accounts by LVNV funding LLC on my CRAs while I was trying to rent a home. I am still homeless because they refuse to respond to my debt verification letter, but continue to report collections to the CRAs, even after attempting to dispute the unverified debts several times
Product: Checking or savings account

On or about XX/XX/XXXX I inquired into leasing an apartment unit at XXXX XXXX XXXX, XXXX XXXX, XXXX Height apartment, owned by XXXX XXXX XXXX, XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I spoke with the apartment XXXX whos First name is XXXX. On XXXX I was contacted by XXXX and asked about making payment. XXXX asked me for my debit card information, and I informed her that I would complete the application and pay online. Prior to submitting the application, I informed XXXX that my credit score was not good, but I had no evictions nor outstanding balances to any apartments. I was assured by XXXX that a poor credit score would not automatically disqualify me and that she can make the decision to rent to me. 
On XX/XX/XXXX I submitted the application and paid {$140.00} fee that consist of {$100.00} deposit, {$40.00} application fee and a {$3.00} process fee I was also required to purchase rental insurance in the amount of {$9.00} from a merchant named XXXX. On XX/XX/XXXX I received an adverse letter ( Exhibit 1 ). The adverse letter stated although XXXX XXXX XXXX, XXXX is solely responsible for their rental decisions, that the decision was based in whole or in part on information contained in my tenant screening report. On XX/XX/XXXX I contacted Chase bank and disputed the charges of {$43.00} and the {$9.00}. I informed Chase claims that XXXX of XXXX Height, XXXX XXXX XXXX, XXXX had given me false information to induce me to apply knowing they would gain at least {$40.00} On or about XX/XX/XXXX I received a check from XXXX XXXX, XXXX in the amount of {$100.00}. On or about XX/XX/XXXX I lost the check. On XX/XX/XXXX I contacted XXXX XXXX apartment and informed the person who answered that the check had been lost and requested a replacement. The employee refused. I called my bank and was told that I was given a credit for the {$100.00}. I looked at my statement and saw that I was credited for the entire {$140.00} even though I do not remember disputing the {$100.00} deposit as I anticipated it would be refunded. On XX/XX/XXXX at approximately XXXX pm I received an alert of overdraft and discovered Chase had reversed the credit. On XX/XX/XXXX I contacted Chase and complained about the reversal. A representative name XXXX and supervisor name XXXX claimed that Chase does not handle fraud by merchants giving false information. Chase further stated that the lost check of the {$100.00} deposit was not claimable since I lost it and that the merchant is not obligated to reissue a check. On XX/XX/XXXX I stopped automatic payments to my Chase credit card and after this ordeal no longer wish to bank with Chase. 
On XX/XX/XXXX I attempted to contact XXXX XXXX XXXX XXXX, XXXX at the number on my statement and the number was out of service. I search the XXXX of XXXX website and found that the location listed at XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX  XXXX is not occupied by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with American Cycle Finance Inc on XX/XX/2018. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know that the finance charge is the sum of all charges I was not expecting a bill which is a violation of 15 USC 1692b or for funds to withdrawn from my bank account and they also added a extra {$50.00} for insurance which is supposed to be added in the finance charge Pursuant to 15 usc 1605b which is also a violation Please read attachment and you will see where American Cycle Finance Inc edited my requested information to creditor instead of debt collector in which I ask for and you will all see where they lied about not being a debt collector or receiving any money from the illegal collected pay.which put American Cycle Finance Inc in default and they didn't respond to my Affidavit the proper way. They never gave me an right to rescission form which is all a violation
Product: Debt collection

Hi, I've never had an account with this creditor or this debt collector that has reported this inaccurate and negative information to all three credit bureaus such as XXXX, XXXX and XXXX. This account was opened in XXXX, XXXX of XXXX. XXXX being the creditor. I have not owned or driven a car in over 10 years, I haven't had any reason to acquire any service from XXXX. My credit rating and standards are being effected because of this inaccurate and negative collection of the amount of {$580.00}. I do not recognize XXXX or Caine & Weiner Company as any business that I have any legitimate contract or agreements with.
Product: Debt collection

I am experiencing issues associated with ID theft and disputed items on my credit file. I was contacted by letter by a creditor I now know as Home Depot regarding an opened account with Home Depot 11 years ago. I proceeded to call the number stated on a letter from its representative (  XXXX  ) received on  XX/XX/XXXX  regarding my CFPB complaint #  XXXX .
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I now find that the same creditor may be reporting the same account although with a different account number under another name (  XXXX  ) and this can be seen on my  XXXX  credit report. It reports the same balance owed but under a different loan type ( Auto ) and again reporting on my   XXXX   XXXX   credit under personal loan also a different loan type.
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I called the phone number that is reported to be  XXXX   XXXX  and the number is not a working number but they do have the same address as   XXXX    which is :   XXXX   XXXX   XXXX   XXXX    XXXX , MO  XXXX  who does have a working number   XXXX  . I am asking for an explanation as to the purpose of reporting against the same balance owed (   XXXX   ) times using (  XXXX  ) different companies names but you are one of the same company. On top of that the original account with the Home Depot was opened without my consent and is a fraudulently opened account. My affidavit  XXXX  was reported as such to the FTC on  XX/XX/XXXX .
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Who are these collection companies and its creditors because they are not known to me and I certainly do not own this or any other account they report. Why are they reporting false information and using guises and pretenses to destroy my credi I request they forward all information used in the validation and authentication of the person who this account was granted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to XXXX XXXX and they replied they will remove the charge from my account therefore no lateness should be on my report. 
Please remove Lateness from my credit report as soon as you can. 

I uploaded all information like Dl, SSN and statement from XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed this account in XX/XX/XXXX after multiple refusals to allow me to change my payment method. There only was I was allowed to make payments on my loan was via my closed XXXX XXXX XXXX account. 

As of XX/XX/XXXX, they have continued to change information making it worse for my credit every time. 

I feel I should not have negative credit impact for an account I attempted to pay and was not allowed to. I've disputed this with all 3 credit agencies and they just take the company 's word over mine. 

I am listed as having derogatory payments and having my amount closed via settlement. AMD while these things are technically true, it was via fraud on the company 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting some inaccurate inquiries on my credit file that have been hindering me, ive reached out to them multiple times and don't see where I was responded back to the previous time.
Product: Money transfer, virtual currency, or money service

I was working on my computer & got a pop-up stating that my it was being hacked & that I needed to contact XXXX at the number provided. I did & was told that my bank, First Horizon, was being investigated for internal fraud. I complied with the requests to wire money to the attached bank & customer. My bank was unable to halt the wire transfer. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX CUSTOMER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, 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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I saw an account on my credit report from XXXX. This is not mine. I was never notified with a collection notice from this company or given a chance to dispute this. I was going to send them a validation letter but the company has not provided TransUnion with a mailing address or a phone number. This violates FCRA section 623. The FCRA prohibits furnishers from providing information to a consumer reporting agency that they know, or consciously avoid knowing is accurate. ALSO. they have violated FDCPA because at no point have they spoken to me in person or by phone. They did not mail me a collection letter giving me time to dispute the account and they never sent any electronic communication either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian released my credit report without permissible permission. I HAVE REPEATEDLY complained and REQUESTED A COPY of the permissible permission and was NOT COMPLAINING ABOUT AN INQUIRY. So I am resending copy of complaint AGAIN. 
I received the following reply for CFPB Complaint # XXXX This complaint lists someone the company does not recognize as their customer or their customers authorized representative. Experians reply didnt make sense and was in error for that reply. Thus, I am resending the following complaint again -- -- -- - Experian is political like Washington and believes the American public isnt smart enough to know all of the attorney games. Experian is scared and following the guidelines of a typical game playing attorney who is out to lunch like the other attorneys running Washington into the ground. I couldnt work for Experian because I have much pride and self-respect. On Complaint # XXXX, I complained -- Experian gave my credit report to XXXX XXXX XXXX XXXX on XX/XX/2017 without my permissible permission. It was used for a fraudulent loan but that is not the issue today. The issue is I did not give permissible permission for Experian to send out my personal information. Experian has repeatedly over the past 4+ years forwarded the complaint to XXXX XXXX XXXX XXXX who simply denies. However, Experian has accountability just like XXXX XXXX XXXX XXXX. I requested Experian research the permissible permission used by their client, XXXX XXXX XXXX XXXX. Send me what XXXX XXXX used to access my credit report from Experian because they didn't have my permissible permission and send this to me. This complaint is directed solely to Experian because they are holder of my information and released my information without my permission. Again, Experian needs to send explanation of why my information was sent without my permission. Experian replied - We've sent your complaint to the company, and we will let you know when they respond. And then replied - This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. Same rhetoric for the last 4 years to play games. This is totally unacceptable and I will continue to repeat myself. Experian has the responsibility to release my information only with my permission. Where is the permissible permission? I have yet to receive.