23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Started school in XXXX XX/XX/XXXX and my College, XXXX XXXX in XXXX, had me secure a private loan from Genesis Lending. I have been paying on this loan since the day I started school. I received a letter a few months ago in regards to XXXX being bought out by XXXX XXXX. It stated that part of the purchase aggreement was that these private loans that XXXX had through Genesis would be reduced or forgiven. I have spoken with Genesis several times to find out the status of my loan and have been told that they are still going through the loans and will contact me when they have more info. I called Genesis on XXXX/XXXX/XX/XX/XXXX after not hearing from them and I was informed that my loan did not qualify for a reduction/foregiveness as it was sold to XXXX at some point. They could not tell me who XXXX was or when my loan was sold. I have XXXX loans with Genesis Lending. The account numbers are # XXXX and # XXXX. I would like any help in finding out why after the XXXX XXXX XXXX fining this school and the agreement by the purchasing company why my loan is still has not been addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

SIGNED A LEASE WITH AN APARTMENT COMPLEX BECAUSE THEY SAID THEY WERE PET FRIENDLY, TWO DAYS LATER I TOLD THEM I WAS BRINGING MY DAUGHTERS DOG IN AND THEY ASKED WHAT KIND. AFTER I TOLD THEM THEY SAID NO - I SAID THAT THEY SHOULD HAVE TOLD ME THAT UP FRONT AND TO JUST TEAR UP THE LEASE AND I WOULD GO ELSEWHERE. THEY SAID THEY NEVER DO THAT AND THEY WOULD SEE ME IN COURT. I LEFT AND THEY KEPT ALL MY DEPOSITS AND LEASE,,,, ALL I WANTED TO DO WAS LEAVE BECAUSE THEY LIED,, THEY KEPT MY MONEY AND TURNED IT IN FOR COLLECTION
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are reporting a balance that have been paid and I do not owe. XXXX and XXXX XXXX XXXX XXXX, debts have been paid and they continue to report a balance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inquiries on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit bureaus maintain accurate and up-to-date information and allows consumers to dispute any inaccuracies. 

Upon reviewing my credit report, I noticed multiple inquiries that I did not authorize or recognize. These unauthorized inquiries negatively impact my credit score and financial well-being. According to Section 1681b of the FCRA, credit inquiries must have permissible purpose and consumer consent. 

I request that you conduct a thorough investigation into these inquiries and provide evidence of permissible purpose and consumer consent for each. If you are unable to provide such evidence, I request that these inquiries be promptly removed from my credit report.

Furthermore, I remind you of your obligation under Section 1681i of the FCRA to conduct a reasonable investigation within 30 days of receiving a dispute. Failure to comply with this requirement may result in legal action.

Enclosed with this letter are copies of my credit report highlighting the disputed inquiries, as well as any supporting documentation I have regarding their unauthorized nature.

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to address my concerns. I can be reached at the contact information provided above if you require any further clarification or documentation.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$8100.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$8200.00} XXXX XXXX Balance : {$8200.00}
Product: Vehicle loan or lease

This company has yet to address the issues of XXXX XXXX located XXXX XXXX XXXX XXXX, PA XXXX. They sold me a lemon, rusted out car ( due to water damage ), that was a previous rental, with numerous accidents and they claimed I knew it was in that condition. iHAVE REQUESTED DOCUMENTION FROM XXXX XXXX AND THEY HAVE FAILED TO RESPOND. I sent my documents to XXXX XXXX XXXX  XXXX of Consumer Portfolio Services. This information was told to me from my mechanic when I took it to get inspected when I was having problems. I have yet to see reparations. I have been harassed by numerous employees at Consumer Portfolio due to this. 

My second issue is that they are alerting the credit bureaus that I had 9 late payments and that is false. I have never been more than 30 or 60 days late. In addition I had made a payment arrangement for an incident when I had XXXX. Inform the credit reports of the correct information as I wasn't late as it stated on my credit report. Lastly, My balance is wrong. I have been paying XXXX dollars a month for 35 months which totals XXXX. That is what I paid. I have all my receipts showing proof of payment totaling to that amount. Consumer Portfolio services are purposely submitting false information as retaliation to the continuing issue listed above. Which is against the Law. I will not stop writing emails or making complaints about this company until everything is correct and I get what is owed to me.
Product: Payday loan, title loan, or personal loan

Affirm has blocked access to my account on their app for no reason. I am unable to use their service to pay. In contacting customer service, they refuse to give me a reason as to why my account is blocked. Under Federal Law, a creditor is required to give specific reasons as to why credit is denied, and information on the credit bureau they used to come to their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an error in the report for a year and still not corrected. Spoke to lien holder and they advised me that there is no late payment for 30 days for XXXX XXXX XXXX XXXX. They advised me that they do not do business with them but they use a third party credit company. I have sent all of my personal information 3 by mail.and upload. I have advised them about unauthorized credit pulls and they failed to fix it. And over a dozen of soft pulls from them My credit score was XXXX and dropped to XXXXin less than a year this is unfair credit acts on their behalf I have been compromised by their XXXX XXXX  XXXX times. Also my credit has hard pulls from people finders and they will not correct this unauthorized service. Please help me. I have been applying for a loan and have been denied several times.
Product: Checking or savings account

Our company mailed a check payable to " XXXX '' in the amount of {$9700.00} on XX/XX/23. The check was intercepted and fraudulently cashed at a Regions Bank on XX/XX/23. We discovered this on XX/XX/23 and notified our bank ( XXXXXXXX XXXX  XXXX. ) and had our payee sign an Affidavit of Forgery. XXXXXXXX XXXX  then " filed a claim '' with Regions bank and requested that the monies be reimbursed. After 90 days, Regions Bank finally confirmed that it was fraudulently cashed. The monies still have not been reimbursed by Regions Bank. XXXX XXXX  continually follows up with Regions and checks the account to see if the funds have been reimbursed and can not get a resolution to this. I am submitting this complaint to try to get help receiving our funds back.
Product: Consumer Loan

I went to purchase a car on XXXX/XXXX/2016. I gave the dealer permission to submit mine and my co signers credit application to XXXX finance companies. They submitted our applications to XXXX finance companies which was 6+ more than I authorized. We signed a contract that day to purchase a car. The next day they sent our credit application to another finance company after I had already made a purchase. Fast forward to XXXX/XXXX/2016 and they have sent our credit app to XXXX finance companies today without authorization and after we have already purchased a car. They are steadily adding credit inquiries to our reports without our permission.
Product: Debt collection

Midland Funding is trying to collect a debt they bought from CA and they are not licensed to operate in my state.
Product: Checking or savings account

account was closed on ( approximately ) XX/XX/2018 - US BANK - XXXX all problems surrounded three transactions on XX/XX/2018
Product: Vehicle loan or lease

In XX/XX/2021 I have entered into a credit transaction with XXXX XXXX XXXX, who sold my security agreement to XXXX XXXX XXXX XXXX doing business as FourSight Capital LLC. FourSight Capital LLC has mailed me payment coupons that I have endorsed in good faith and rendered to FourSight Capital LLC. Their representatives have been calling me excessively. Today XX/XX/2021 one representative by the name of XXXX held me on the phone for over 30 minutes while I was at work ( which I informed him numerously ) and demanding payments, threatening to either go to my place of work and/ or my dwelling to take possession of my automobile. XXXX also claimed that the CFPB doesn't apply to their company.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information is incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file in the next 30 days. I know that you have up to 30 days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you have incorrectly reported and should be deleted immediately. 

By reporting these inaccuracies you are in violation of U.S.C 1681b ( a ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink written instructions to do so. These actions have caused my family and I a great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting. I have also attached an invoice for remedies statutory in nature pursuant to 15 usc 1681n and 15 usc 1681o.
Product: Mortgage

Mortgage was filed bankruptcy on more than XXXX years ago. While purchasing new home I lost the financing because it was found that the mortgage that was discharged in bankruptcy was still active. I need resolution and my name removed from this mortgage. I have lost money at this point when this should have been resolved over XXXX years ago.
Product: Debt collection

LVNV IS REPORTING A DEBT ON MY CREDIT FILE THAT I DONT RECOGNIZE AS MINE FOR {$620.00} DOLLARS FROM XXXX XXXXXXXX, AND REPORTING IT AS A NEW ACCOUNTON MY CREDIT FILE. I AME REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCPA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON. TO MAKE SURE THAT YOU ARE NOT REAGING SOMETHING ELSE. JUST FOR YOUR INFORMATION, I AM ON XXXX AND MY INCOME IS PROTECTED UNDER FEDERAL LAW.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

In accordance with the fair credit reporting agency act XXXX XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 states I have the right to privacy. 

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

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

Account was closed without notice and for no reason. I have not used the card for about 2 months and they suddenly just closed all my XXXX credit cards and the points associated with it. I have over XXXX XXXX points on my account. They can not advertise their rewards program and simply close your account once you 've accumulated a decent amount of points. Total bait and switch.Contacted XXXX and refuse to disclose any reason as to why.
Product: Credit reporting

XXXX started reporting a collection that is outside the 7 year statute of limitations when they acquired it XX/XX/2015. I have disputed this on a couple of occasions now and have been ignored on my attempts. I have asked the bureaus to contact XXXX through and investigation and demand they provide all the documentation they should have to collect this according to the FDCPA. They have not done so and are illegally reporting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Friday, XX/XX/XXXX Attention XXXX XXXX XXXX, It is unfortunate XXXX continues to send me statements for an account I never applied for or purchased items with. The short is on XX/XX/XXXX a XXXX employee informed me that XXXX  XXXX XXXX could be used as a rewards card for savings, not a credit account. When she clarified it to be a credit account, I told her to cancel it. She agreed to do so. I paid for items at XXXX that day in the approximate amount of {$150.00} with my XXXX XXXX XXXX card. 

For reasons unknown the XXXX cashier also charged the purchase to the XXXX XXXX. Thus, I was charged twice for the purchase. Upon a call I placed, XXXX recognized the mistakes and I conferenced in XXXX XXXX XXXX  to both verbally verify the purchase was paid with my XXXX card, and to fax XXXX   proof of the XXXX payment. 

After several calls between XXXX  and myself, XXXX agreed they billed me in error and informed me they had cancelled the account. Several months afterwards XXXX  took this to a collections process. My credit score went from approximately XXXX to XXXX as a result. 

I have since had several calls with XXXX and they continue telling me they made an error and will resolve it in addition to fixing my credit score. As you can see in the included letter from XXXX on XX/XX/XXXX, the matter is not resolved. XXXX continues to bill me and damage my credit score. I have included information from XXXX XXXX XXXX  to again show the purchase was paid on my XXXX account, not via a XXXX  credit card. 

I need XXXX to immediately resolve this matter and correct my credit score with each affected agency. 
If XXXX can not or will not resolve this matter immediately, I will contact both a family business attorney and the Consumer Financial Protection Bureau. 

XXXX, XXXX XXXX XXXX XXXX / XXXX XXXX
Product: Checking or savings account

My TD bank debit card was used fraudulently while the card was still in my possession. The scammer used my debit cards information and made several transactions totaling {$7900.00} made to XXXX Resorts and XXXX. The transactions were itself suspicious in nature, yet no action was made to stop the transactions from going through. I started a fraud claim with TD Bank on XX/XX/XXXX and it resulted in the bank denying any fraudulent activity had taken place. 

List of fraudulent transactions : XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$1000.00} XX/XX/XXXX - XXXX Resorts - {$1000.00} XX/XX/XXXX - XXXX Resorts - {$1000.00} XX/XX/XXXX - XXXX - {$300.00} XX/XX/XXXX - XXXX XXXX {$610.00} XX/XX/XXXX - EVI XXXX - {$1000.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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