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

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I requested that Paypal transfer {$1500.00} from my account to my personal checking account at XXXXXXXX XXXX  They claim that the money transferred on XX/XX/XXXX. However, it has not posted to my account. Paypal claims to have run a trace and has given me an ACH trace number. However, my bank has no record of that number. 

My bank has suggested that I have Paypal dispute the transfer. However, Paypal is refusing to do so. 

I find myself stuck in a loop where Paypal insists they sent the money yet my bank has no record of receiving it. I think the problem is Paypal 's refusal to take the step of disputing the transfer.
Product: Checking or savings account

On XX/XX/2020, I disputed unauthorized charges pertaining to my Navy Federal Credit Union debit card. I reached out to XXXX XXXX first and received this notice. 

XXXX XXXX Support XXXX XX/XX/2020, XXXX XXXX to me Hi XXXX, XXXX from XXXX XXXX Support here, thanks for reaching out. I know firsthand how worrying it can be to have an unexpected transaction come up and I am ready to provide you with some information about this transaction. 

Looking at your account, I can confirm that this {$2000.00} payment to $ XXXX is complete. Unfortunately, XXXX XXXX is unable to cancel or refund completed payments. That being said, you still have resources to help in this situation. You are well within your rights to pursue options through your bank, or to ask law enforcement for assistance in finding a resolution. 

If you would like to recover your funds, please send a request to the recipient : Tap the Activity tab on your XXXX XXXX home screen Select the payment in question and tap Request Refund Select a reason and tap Next to complete the request Before sending a payment in the future, we strongly recommend that you : Only send to people you know Verify the recipients name before sending Double-check the spelling of $ XXXX Double-check the recipients phone number or email for typos To learn more, please visit XXXX XXXX Terms of Service. To learn how to further secure your account with safety features, please visit our Help Center. 

Feel free to respond to this email if you have any further questions, I am here to help. 


Your Advocate, XXXX XXXX. 
XXXX XXXX Support ref : XXXX : ref Navy Federal issued me a provisional credit until the investigation was concluded. On XX/XX/2020. I was notified that the claim was denied, when I spoke with XXXX ( Debit Card Supervisor in Florida ) she stated that there was no evidence of Fraud. Clearly as this email is stated. I did was I was advised. Now I am out of {$2000.00}. I additionally, filed a complaint with XXXX, no response as of yet. Additionally, I emailed the following XXXX, XXXX, XXXX, XXXX, along with a complaint with the FTC. Among dealing with health issues over the past several months in the middle of a Global Pandemic, I now have to deal with the incompetence or lack their of an investigator who did not to his due diligence named ( XXXX ) which this information was provided by supervisor ( XXXX ),
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT SPACECITYCU Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXPlease remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I recently discovered that I have been a victim of identity theft, as reviewed a copy of my credit report. I found numerous accounts and inquiries on my credit report that were not open by me. Experian failed to inform me that my data was compromised during the XXXX XXXX XXXX. Experian 's greed for profits from selling consumer data and subscriptions, neglecting consumer rights and the XXXX. This breach exposed my personal information and led to numerous fraudulent accounts and inquiries being added. XXXX negligence hurts me and has significantly impacted my life as a XXXX XXXX XXXX XXXX born XXXX. Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. In accordance with the FCRA, sections 611 ( 15 U.S.C. 1681i ) regarding the correction of errors and sections 623 ( 15 U.S.C. 1681s-2 ) concerning this I demand immediate action to delete the fraudulent account from my credit report. ( See Attachments ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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. 

( AND CONSUMERS CAN NOT EVEN DELETE THEIR ACCOUNTS WITH EXPERIAN ONLINE, BECAUSE EXPERIAN DOES NOT GIVE THE OPPRESSED THE OPTION TO DELETE WHAT SO EVER. )
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account XXXX : XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX and the major credit bureaus XXXX, Equifax, and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from XXXX, Equifax, and XXXX? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with XXXX, Equifax, and XXXX immediately, in accordance with the FCRA and XXXX. If XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX : {$96.00}
Product: Credit reporting or other personal consumer reports

Grid  is currently erroneously reporting late payments on my account to the credit bureaus. The late payments were due to an ongoing issue on the part of the company. All activity on the account was frozen and I was not at fault for the delay in payment. The companys app and website had a continuous block on adding or moving money for several months and there is no method of reaching customer support outside of an in-app chatbot. The company also does not provide monthly statements, despite offering credit products and holding consumer funds in an account. 

In addition to these errors, the company has owed me money for almost a year while still collecting a monthly fee from my checking account for services I was not receiving. 

The companys irresponsible use of my consumer financial data in credit reporting is currently preventing me from obtaining a mortgage. After multiple conversations with customer service, I was able to clear the balance and close the credit account but these errors are still being reported to the credit bureaus.
Product: Student loan

I am filing a complaint regarding Mohelas failure to provide adequate customer support and transparency about my federal student loan repayment plan.

Specifically, I am seeking clarification on the repayment plan that was automatically selected for me, as well as information regarding other repayment options, including the Income-Driven Repayment ( IDR ) plan I applied for. However, despite my repeated efforts to contact Mohela, I have been unable to obtain any assistance. 
Phone Calls : Over the past several weeks, I have called Mohela multiple times, but the calls have either been dropped or I have been placed on hold for hours without reaching a representative. 
Emails : I have also sent emails to Mohela requesting assistance but have not received any response. 

This lack of communication and support has prevented me from understanding my repayment obligations and has caused unnecessary stress and frustration. I am requesting that CFPB investigate Mohelas failure to provide responsive and reliable customer service, as this has directly impacted my ability to manage my loans effectively. 

I appreciate your attention to this matter and hope for a resolution that ensures Mohela provides the support and transparency required of a federal loan servicer.
Product: Consumer Loan

XX/XX/XXXX : Paid my lease as agreed. 
XX/XX/XXXX : Acquired a new car and the dealership took my leased car as part of the transaction. Lost posession of this car. 
XX/XX/XXXX Lexus Financial services cashed the payoff check. 
XX/XX/XXXX received statements. On both occassions, I was told by the Lexus Financial representative not to pay the statements and ignore them. 
I was reported to the Credit Bureau. I have not had a single late payment in 33 years, including XXXX cars I bought from Lexus Financial Services. 
I spoke with the dispute representative which refuses to admit any wrong doing. 
My credit score now will affect by business and my partners as I can not take advantage of a good credit score, being Lexus Financial Services the only responsible account which they refuse to correct. 
I have always paid all my bills on time and responsibly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all inquiries shared with others and shared with me only. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX collection XXXX  XXXX XX/XX/XXXX collection XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge off XXXX XXXX XXXX XXXXXX/XX/XXXX charge off XXXX XXXX  XXXX XX/XX/XXXX charge off XXXX  XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XX/XX/XXXX charge off
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate these inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every one of the company listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Credit Acceptance has been calling my wife on the due date of our payment until they receive payment 3 or more times a day. Not only do we pay for our car we pay it and have never missed a payment or slow paid. They charge us up to {$12.00} to make a payment which to me is fraud and its something we were not made aware of when we bought our vehicle. I talked to someone today and Credot Acceptance and they stated they are not a primary lender so they dont have to stop calling. You guys need to do your job and enforce what the trade commission has laid out for these companies. I feel sorry for people who dont make their payment for what they do to them and harass. I was clear on my phone call to them. I stated what the FTC says they can and cant do for collection practices. They more or less said we dont care. We will do what we want. In that case I will too. So Im giving you an opportunity to fix this problem before I take the matter into my own hands.
Product: Payday loan, title loan, personal loan, or advance loan

Signed a contract with XXXX XXXX XXXX XXXX to do work shortly after XXXX XXXX, and financing was through their lender, Service Finance Co. LLC. The financing contract and work contracts were signed and approved on XX/XX/2023. Work was supposed to be started by XXXX on XX/XX/2023, but on XX/XX/2023 I received a call from XXXX stating that the permit to do the work was taking longer because of the hurricane. I had mentioned that I need to head back to XXXX to deal with things after my mom 's death, but could have someone at the house when they arrive if I can't get back when work starts. I was told that the work could be pushed out and that they would let me know if pushing until XXXX would cause me to not have my interest rate that was signed for. I did not received any information from either XXXX or Service Finance that they canceled my loan without my written or verbal permission. XXXX did the work and sent me an invoice on XX/XX/2023 saying to pay the amount or contact them for financing. That was the first time I ever heard that I no longer had financing, and would not have gone through with the work if I did not have the same loan terms that I signed the contract for. At this point XXXX is blaming Service Finance and vice versa for being the ones at fault. At this point Service Finance offers me a new finance rate of 9.99 % when originally it was 6.99 %. I feel I have been mislead by both companies at this point, and neither company is accepting some blame and working with me. The rate hike would now cost me an extra {$5500.00} in interest.
Product: Debt collection

Inaccurate reporting information not matching in every credit report and charge offs arent suppose to report because they received a certificate of indebtedness, they are causing injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I sent TransUnion a Dispute letter certified mail with a return receipt. TransUnion refused to comply with my Section 609 ( a ) ( 1 ) ( A ) letter that was sent. They constantly sending a generated response letter without providing me with what I requested. They are violating my customer rights by ignoring my request for them to send my the original contract and my wet signature on this debt they say I owe. I state in my dispute letter to provide me with verifiable proof because its reporting inaccurate information on my credit report. They ignored it yet again I received a credit report from TransUnion on XX/XX/XXXX still without information I requested. I feel as though they doing this for their own personal gain and its really harming my customer credit report due to the damages theyre causing me.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered several inaccurate collection accounts on my credit report. These entries were reported without proper validation or accuracy, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. Despite contacting the relevant companies and providing documentation, these errors remain unresolved. 

Collection Accounts : Under 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies must report accurate information. The following collection accounts are being inaccurately reported and should be removed : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Status : Collection/Chargeoff Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX Balance : {$6500.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$7300.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$0.00} Status : Collection ( previously late payment ) Date Reported : XX/XX/XXXX These accounts have been incorrectly reported, causing harm to my credit score and financial standing. I request an immediate investigation and removal of these accounts from my credit report, as mandated by the FCRA.
Product: Debt collection

There is a remark on my credit from this creditor for the amount of {$360.00}. I do not recognize this creditor and do not owe this debt, however - this is negatively impacting me as an open debt account.
Product: Credit reporting or other personal consumer reports

I see that XXXX inquired into my report without my knowledge