23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Due to the hardship of covid 19. I decided to take on the covid relief program from XXXX XXXX XXXX. Not knowing that Wells Fargo was going to continue to report late fees and 30 days late on to my credit report.
Product: Debt collection

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX, MO XXXX I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been 30 days, and they have NOT replied. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS : XXXX Account # : XXXX -XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX INQUIRIES : XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was supposed to have a free XXXX internet account. Half paid by the affordable connectivity program and the other half paid by XXXX XXXX. XXXX knew this XXXX acknowledged it to me. XXXX told me on text that itll be one to two billing cycles before it shows then they sent me to collections. I inform the Collection agency of this the first one took it off and the second one was XXXX and they refused to the credit bureau refused to take it as well, even though I showed them proof
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account numbers XXXX, has violated my rights. 

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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

I called the Synchrony Financial about my XXXX XXXX XXXX XXXX  card. I explained to them that I have been going through a cut in my finances over a year due to I was in XXXX XXXX XXXX but continued to pay them but now I have to go back to work and I need time to get back on my feet. I spoke with a representative and they told me if I dont have any income at this time they cant help me. I explained to them I coming to them for help I have never been late never called with an issue nothing but they can not help someone that has credit protection through their company.
Product: Credit card

Chime set up a new account using a fraudulent application for account with my personal information without my consent or knowledge, current balance XXXX ( XX/XX/2023 ). 

Chime sending Visa Credit card associated with fraudulent account without my consent or knowledge ( XX/XX/2023 ). 

Chime support refused to freeze or delete account that I identified using provided email information, verified email address and phone numbers ( 2 part identification ) ( XX/XX/2023 ). 

Upon sign in and verification at Chime site, Chime will not terminate account attached to " Visa '', " XXXX XXXX XXXX XXXX '' and/or " XXXX XXXX XXXX XXXX. ". 

Chime gains access to banking services through " XXXX XXXX XXXX XXXX. '' and/or " XXXX XXXX XXXX XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already contacted the collection agency however I need these items removed
Product: Money transfer, virtual currency, or money service

I have been a customer for Western Union from a year XXXX. Within the last three years I realized Western Union to have a problem with my XXXX name ( Originally from XXXX ). With good faith and under company request I provided the company with every Identification document in my possession including copy of passport, State ID and official XXXX XXXX XXXX XXXX ID ( My worker at the time where I work as XXXX XXXX ; separated on XX/XX/XXXX ) and the company a apologized before. However, the problem still going on. Because of the month of XXXX ( XXXX XXXX XXXX XXXX XXXX ) On XX/XX/XXXX - I used the company 's online app to transfer Money ( {$200.00} ) to XXXX ; and based to company 's website/app the money should be there in 15 minutes with extra fees of ( $ XXXX ) I have paid. The company was able to access my bank account and withdraw the money and the fees with total of {$210.00}. 
Shortly, after the submitting the online transfer I received a confirmation of service, then an email notifying me for security I have to provide more identity documentation, so I did. However, after three days I request cancellation and refund of my money. 
On XX/XX/XXXX the company sent an email confirming two action at once completed the transaction and cancellation. 
More days later the company has deposited the amount of transfer in my bank account and kept the fees. 
I believe under supported records this company is discriminating, holds negative information about me which is not correct Please, your help and if I could have the rights to sue this company Thank you XXXX XXXX XXXX, LA XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XXXX XXXX 2021, You XXXX XXXX XXXX You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking

legal action. I have not given you written permission to put anything on my credit profile 15
USC 1681b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST { XXXX XXXX XXXX 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. Upon checking my credit report on XX/XX/2019 I noticed that Nissan motor Acceptance is listed as a dad debt on my credit report with the amount of {$19000.00} I have never owned or leases or signed any documentation to this company in my life. I recently filed a identity theft report and submitted all documentation to Nissan motor acceptance and all three credit bureaus XXXX XXXX and XXXX. On XX/XX/2019 I recieved a letter from XXXX notifying me that Nissan motor acceptance did an investigation and the account was added back to my credit report.
Product: Credit reporting or other personal consumer reports

Hello On XX/XX/2021 I made a final payment of {$6000.00} to XXXX XXXX finance to settle my debt. In our agreement this would be reported to all of the credit bureaus so that the information could be properly updated and the negative status of charged off, closed as bad debt, and any other incorrect negative status. Could be removed. 

Since that time I have applied for credit cards, auto loans, and even a mortgage with the results being that I am not accepted due to a negative status account on my credit report. One company even directly told me that it is the status of the XXXX account that is hurting my ability to be approved. I have listed the status that is being shown from each bureau which has negatively impacted my life. 

I have a documentation letter stating that this debt has been paid per our agreement and it will be reported properly. 

Parties involved. 
XXXX XXXX XXXX Equifax - XXXX XXXX - Account paid in Full was a Charge-off XXXX - Paid in settlement. {$20000.00} written off.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at Upgrade on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX on XX/XX/XXXX with a balance of $ {$550.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

PlayStation credit card issued by Comenity bank advertises a promotion for a {$50.00} PlayStation store card and free game credit up to {$75.00} on first purchase and {$500.00} spend respectively ; to be issued within 14 days of meeting requirements. Over 14 days after meeting requirements and Ive contacted Sony rewards customer service multiple times regarding the promotion but have not received any response, Im simply told the issue will be escalated, but after 10 days I havent received any communication. I have the emails detailing and confirming the promotion and the credit card statements showing Ive met the requirements and the dates on them.
Product: Debt collection

In the most recent complaint and response, the company gave an explanation of debt and attached several documents to include a lease and a disposition of security deposit statement. My complaint revolved around an unsubstantiated charge for parts, which was listed under the name XXXX. The company 's response was that " XXXX '' was for utility charges ; out of all the documents that was submitted in their complaint response, their was no billing statement with regards to the claimed utility charge. Every month each tenant was given a billing statement of charges before any amount was asked to be paid. My request is that this company produce that statement to justify the claimed utility charge.
Product: Credit reporting or other personal consumer reports

Equifax has disputed the wrong company on my credit report in error I assume. My account with XXXX XXXX is in good standing thats my current back I did not dispute this account this has affected my credit profile and my credit score by XXXX due to EQUIFAX . I the consumer XXXX XXXX did not dispute my current account in dispute. This is violating my consumer rights according to the FCRA disputes are necessary when theres inaccuracy being reported, however this account is accurate and the account is in good standing. Im aware Equifax is currently being sued for reporting errors which this is a major reporting error. I fault EQUIFAX for making such an error and ruining my credit profile as of today XX/XX/year>. Under federal law I have the right to dispute inaccuracy on my credit report however this account with XXXX XXXX is in good standing I DID NOT DISPUTE THIS ACCOUNT. Equifax is fully responsible for this huge mistake. Ive called and spoken with XXXX in customer services about this she stated she would send me a copy of my credit report, she stated theres no dispute being disputed against my XXXX XXXX account which is what XXXX is showing me my score dropped XXXX XXXX due to a remark code on ny dispute against XXXX XXXXl with Equifax, also I informed her its saying I dont have access to my Equifax its saying XXXX forbidden online she created a ticket so I can be contacted with further instructions this has caused me mental and physical stress. Equifax is responsible for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some fraudulent inquiries on my credit report I would like them removed XXXX XXXX Inquiry : XXXX. XXXX, XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  ONEMAIN Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX - Balance : {$290.00} XXXX XXXX XXXX # XXXX - Balance : {$430.00} XXXX XXXX XXXX # XXXX - Balance : {$960.00} XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX - Balance : {$9800.00} XXXX # XXXX - Balance : {$660.00} XXXX XXXX XXXX # XXXX - Balance : {$55.00} XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX - Balance : {$470.00} XXXX XXXX XXXX # XXXX - Balance : {$450.00} XXXX XXXX XXXX # XXXX - Balance : {$660.00} XXXX XXXX XXXX # XXXX - Balance : {$550.00} XXXX XXXX XXXX # XXXX - Balance : {$1000.00} XXXX XXXXXXXX # XXXX - Balance : {$1000.00} XXXX RM # XXXX - Balance : {$340.00} XXXX # XXXX - Balance : {$820.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit report after reinvestigation for the account on XXXX of XXXX listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 standards as outlined by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXX XXXX account XXXX Opened : XX/XX/XXXX XXXXBalance : {$10000.00} The above account information is inaccurately reported for the following reasons : Account states last payment XX/XX/XXXX on Equifax but on XXXX XX/XX/XXXX. Also states that this account on Equifax is late in XX/XX/XXXX but on XXXX closed.Reinvestigation Requirement under E-Oscar : According to Metro 2 guidelines and the E-Oscar automated dispute system, this account has already been re-investigated and should not continue to be reported with potentially negative information. The continual reporting of this charged-off status and delinquency is incorrect.Consumer Law Violation : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), creditors and credit reporting agencies are required to report accurate information. The account was reinvestigated and resolved, thus the continued reporting of this account as charged off with a past due amount is misleading and damaging to my creditworthiness.Inaccurate Payment History : The payment history reported contains multiple inaccuracies : The charge-off status reported for XXXX and XX/XX/XXXX contradicts the reinvestigation results.The payment history reflects delinquency dates ( 30, 60, 90, 120, and 150 days late ) that are inconsistent with my records and the reinvestigation findings.Account Status : The account is reported as " Closed '' with a status of " Charged Off, '' despite having been reinvestigated and resolved. This incorrect status must be updated to reflect the accurate and current state of the account.Given the inaccuracies and violations of both Metro 2 standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as any supporting documentation from the reinvestigation process. I am providing proof from the credit agencies to substantiate my dispute
Product: Debt collection

After receiving my consumer report from Transunion, I noticed a few fraudulent inquiries and accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating the claim and disputing the fraudulent inquires and accounts, Transunion is still reporting on my consumer report negative/inaccurate accounts. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Transunion willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Transunion is civilly liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.
Product: Checking or savings account

On or about XX/XX/XXXX my external transfer access was denied.
XX/XX/XXXX called the customer service number and was told that because the external account did not have my name ( only my husbands name ) that I could not process the external transfer ( this transfer had been in place and had been transferred for the previous 10 months ). The customer service agent advised me to use the POP feature to transfer the money. This issue has been resolved.
The issue I need resolved is the following : When I logged into the POP feature the " accounts to be transferred from '' listed all my current accounts, but also listed nine ( 9 ) additional accounts that were at least eight ( 8 ) years old and all had been closed. The most alarming issue is that these accounts all had balances totaling over {$20000.00}.
I went to the local branch and was told that " there must have been a glitch in the system ''.
I did not accept this as an adequate answer. They then escalated the issue within their customer service. I received a call explaining the external funds issue, but they would not address the balances in the 8 year old closed accounts.
I called several more times to no avail.
In the interim they deleted the old accounts in my POP feature, but one old account still remains ( with a XXXX balance ).
Product: Debt collection

Self Financial Inc does not have a permissible purpose. This company has no legitimate business reason because I do not have a contract, nor have I ever done business with this company. And as per the Fair Credit Reporting Act, for anyone to furnish information on my consumer report a permissible purpose must be given. I have not ever given any of this company permission to report anything, nor have I had any contractual or business obligation with this company. They have used and possessed my information without my knowledge or approval.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, ny, XXXX XX/XX/year> I recently received a copy of my XXXX, Equifax and XXXX credit report and I noticed some late payments posted on my credit report XXXX XXXX account # XXXX, I have attached a copy of my credit report with the proof of the late payments Your company is in clear violation of the law. Under 15 USC sub section 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 usc sub section 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above account from my consumer report, this agency is in violation of 15 usc sub section 1681.
Product: Student loan

I am struggling to understand the number of qualifying payments I've made and how my payment was calculated under each type of repayment plan I've been pushed into. I've asked for this information from XXXX and aidvantage, I want the specific answers FOR EACH AND EVERY LOAN, FOR THE ENTIRE TERM OF THE LOAN : 1 ) Each stage of payment plan- active ( or inactive... ) IBR or IDR, and the date the plan was in effect, and when it lapsed. 
2 ) The current IBR/IDR plan I am in ( and as of which date ). 
and XXXX ) how payment is calculated for each plan.