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

I have disputed the following 2 accounts on my credit report, and I was never given any physical verification as promised by the FCRA, instead my report was updated without verification. The following accounts, Bank Of America ( XX/XX/XXXX ) inwhich I was put on as an authorized user inwhich I had no knowledge of. Also I disputed XXXX XXXX XXXX ( XX/XX/XXXX ), a company inwhom says they have absolute no record of me and advice me to dispute it, However, XXXX keep updated this information, never not once giving me an physical documentation.
Product: Credit card or prepaid card

I am writing a complaint to you all because of the run around Ive received from Synchrony Paypal Mastercard customer service as well as the massive issues with their application. I made a payment to pay off this card. Due to the application slowness, it didnt show it was taken so I made another one. And LO and behold, there were 2 payments taken out! One for XXXX and XXXX for XXXX. I called and was told a check would be sent in 10-15 days?? Unacceptable. So I scramble around to cover the bills coming out and then I wake up this am to find XXXX taken out twice! SO now my cking acct is short another XXXX which again adds more issues to covering my debits being taken out! I cant believe they still pulled my automatic payment when I paid this off and also when I had just spoke to someone who knew the issues and didnt check to see that an automatic payment was being pulled?? I called XX/XX/19 at XXXX Est and spoke to XXXX and then XXXX ( supposedly a supervisor with no soft skills ) and  XXXX just kept calling me XXXX and told me she didnt see any payments for XXXX and then back pedaled and said she did see one and that it was an auto payment and she couldnt do anything and that I had to call my bank. I am filing with the XXXX XXXX XXXX as well. Their practices are ridiculous and they leave their clients without any other resources.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent OFFICIAL NOTICE to EQUIFAX on multiple occasions that the account below is in litigation and should be immediately deleted from my credit profile. I have sent court letterhead documents with case number - XXXX - as evidence. 

EQUIFAX was notified to immediately CEASE reporting the litigated account below on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021. 

*** XXXX XXXX XXXX XXXX This account is in litigation. PLEASE DELETE *** XXXX XXXX XXXX XXXX XXXX XXXX Civil Action NO. XXXX commenced litigation on XX/XX/2021. 

EQUIFAX has refused to delete the account above which is currently in litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVE NEVER BEEN 30 DAYS LATE. LATE FEE DID NOT SHOW UP ON MY CREDIT REPORT UNTIL XX/XX/XXXX. THE LATE PAYMENT IS FOR XX/XX/XXXX. WHY DOES IT TAKE 7  MONTHS TO POST A LATE PAYMENT? 

I HAVE DISPUTED WITH THE CREDIT BUREAUS SEVERAL TIMES SINCE XX/XX/XXXX AND IT WAS FINALLY REMOVED XX/XX/XXXX. XXXX JUST TO RETURN XXXX I FINALLY DISPUTED WITH XXXX ( XXXX  ). AND THEY SENT A LETTER STATING I HAVE NEVER BEEN LATE. 

****PLEASE SEE COPY OF LETTER SENT********
Product: Money transfer, virtual currency, or money service

I paid {$490.00} for a XXXX  purchased online. I later discovered that the company is fraudulent and based out of XXXX. Venmo is not refunding my money. 


You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 
Hi XXXX, Thank you for contacting Venmo Support. My name is XXXX. 

I'm sorry to hear about this experience, and I appreciate you bringing this to my attention. 

What I can do is report your transaction ( payment to - XXXX for {$490.00} on XX/XX/24 ) to our Account Specialists, who will take the appropriate action against the receiving account. Please note we are unable to follow up and share specifics due to our privacy policy, but we take these reports very seriously. 

There isnt a way for us to reverse this payment or stop the debit being made from your payment method at this time. The moment you send a payment to an active Venmo user, the funds are made available to them. 

In the event of a payment issue such as this, if you feel comfortable doing so, we recommend that you attempt to work with the individual you have transacted with. Outside of payments that are eligible for the Venmo XXXX XXXX  XXXX, Venmo is unable to provide mediation. 

You may consider filing a report with your local law enforcement agency. Law enforcement can contact us to request information. Please note that there will not be additional follow-up provided to you from Venmo should law enforcement reach out to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 


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

15 USC 1681 section 604 a section 2 : it also states can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card and open - end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I opened an account with the XXXX XXXX company XXXX, and till this day ( XX/XX/2021 XXXX my account hasn't been verified, leaving me unable to withdraw the money I have deposited to the account. When opening my account I provided the information required and a photo of my license from both sides. Right now I'm only allowed to make deposits, but not to withdraw what I deposit. Ive given the company time, but more than a month is just unacceptable. Ive tried communicating with them on three occasions ( I can provide dates if required ), about what's going on and even mentioning that I was about to take legal action, but all I get is the same exact answer with no answers to my specific problem. I tried avoiding escalating this, but unfortunately I'm left with no choice, since I have money tied to this account that I can't even touch because of the disservice of this company.
Product: Debt collection

Nelson & KENNARD ( XXXX XXXX XXXX ) continues to defame my copyrighted name to enrich themselves. Arbitration has already been conducted. They owe XXXX. They continue to hold my property in store. My credit is being held by them to extort me. I demand my credit be restored I charge XXXX dollars per day as of XX/XX/2019. I have a legally binding Arbitration Award stating they are in Breach of Contract. Yet they continue to threaten me with false lawsuits they have no jurisdiction to do so by. They also have NEVER replied to certified mailings to proof of claims. They say they represent XXXX  XXXX XXXX but I have not seen chain of authority I asked for, nor any other evidence they are legally authorized to collect on In God We Trust Notes. In any State.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing 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 items 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: Bank account or service

I had a debit card only account with Chase and it was impossible for me to have insufficient funds in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive attached a list of all XXXX XXXX  issued under my MPN. Ive also attached a copy of the original XXXX. Ive disputed XXXX XXXX XXXX multiple times with because the account is fraudulent. TransUnion and XXXX agencies have chosen to keep the account on my report while never requiring any proof from XXXX as to the validity of the information they allege is accurate. The complete list of every loan disbursed is attached. I dare you to find that loan on this list. The list by the way is directly from the XXXX. I want the account removed immediately! The creditor has not once provided proof that loan XXXX was issued under my XXXX it is fraudulent!
Product: Credit reporting or other personal consumer reports

XXXX XXXX electronically got my info ( XXXX, XXXX, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. XXXX XXXX admits to having no physical or electronic signature and admits that is only XXXX XXXX 's " belief '' that the account was created by me. XXXX XXXX has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now. Yet having no proof or authority, XXXX XXXX continues to publish derogatory comments on my credit report without any enforceable instrument to do so. I had been disputing the XXXX XXXX account for over 6 months while XXXX XXXX was attempting to collect so I asked XXXX XXXX for a forensic account audit on XX/XX/2024 via CFPB case # XXXX, & then mysteriously on XX/XX/2024, XXXX XXXX charged off the account which lead me to believe that XXXX XXXXXXXX was attempting to collect on an account that was already paid & written off. My consumer rights are protected as The UCC states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The UCC requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under UCC Section 3-401 ( a ) If the party does not sign, the party can not be held liable. XXXX XXXX need cease & desist, remove all derogatory marks & publishing ( s ) of account on my credit report especially with Experian credit reporting. Experian claims the information is not on my credit report yet Experian is the only company continually reporting the info for which I am disputing.
Product: Vehicle loan or lease

On XXXX XXXX, I XXXX XXXX XXXX purchase a XXXX XXXX XXXX from XXXX XXXX XXXX finance through Ally. I have contacted Ally several time concerning the 20 % interest rate. On XX/XX/XXXX, the covid -19, came I requested a relief which was for four months and the payment suppose to be put at the end of the loan. On XXXX XXXX requested from XXXX XXXX XXXX to cancel the extended warranty it was cancel payment sent to ally in the amount of {$1800.00} Ally applied the fund to interest not the principal. On XXXX XXXX I request XXXX XXXX XXXX cancel the Gap plan which was cancel and the amount of {$860.00} sent to Ally this payment amount went to the principal balance but not the {$860.00} only {$420.00}. My principal balance to Ally was XXXX now XXXX. I requested Ally to correct this matter but as of today no correction made also requested Ally to refinance the high interest rate they stated to me we don't refinance. This is a ripoff. 
Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
XXXX XXXX has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by XXXX CFR XXXX and XXXX XXXX XXXX. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with XXXX party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to XXXX XXXX XXXX
Product: Student loan

Step 1 : What is this complaint about? 
In XX/XX/XXXX I contacted a company advertising Student Loan Forgiveness related to my School " XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, as well as my financial institution that provided my loan " XXXX ''. The contract agreement that was sign between XXXX XXXX XXXX and myself ( XXXX XXXX ) that depicted my XXXX loan, and multiple phone conversations all discussed my XXXX  loan. I was informed that I qualified for dept forgivness due to my current family size and income. It was a 1 year contract with a {$190.00} fee upfront and a $ XXXX/month maintenance fee for 1 fiscal year, at which point my remaining balance would be forgiven as agreement of contract. 

In XXXX of XXXX I found out that the loan that was purchased was my other student loan through XXXX. I found out that the loan was consolidated, which wasn't discussed with me at any point. Nelnet  is the company that currently holds the loan. I spoke with Nelnet about the situation. I was adivised by there fraud dept. to submit a fraudulent complaint about what had occured. XXXX ( the rep. that I spoke with ) stated that she would provide detailed information as to how to proceed with filing a complaint. 
No information was sent to me. 

I have made several attempts to contact the Dept. of Education, as well as left several voicemails. No return call as of yet. The DOE was ( whom to my knowledge of finding out ) the company that consolidated the loan for Nelnet. 

At NO point did I consent to this!!! 

I called and spoke with XXXX, the rep. XXXX advise that I call your department to file a complaint about the situation. He felt and I feel that this was done illegally by a third party company, and was not done so lawfully. 

I am still making attempts to get in contact with XXXX XXXX XXXX. I have called, text, emailed numerous times without any response ... 

I am still reaching out to all affiliates involved in the matter to learn as much as i can to get this situation fixed. 

Step 2 : What type of problem are you having? 
My other student loan was consolidated without my knowledge. 

Step 3 : What happened? 
Described above. 

Step 4 : What company is this complaint about? 
XXXX XXXX XXXX, Nelnet, Dept. of Education. 
XXXX XXXX XXXX XXXX this is the login portal page for the company. 

Step 5 : Who are the people involved? 
XXXX XXXX XXXX, XXXX XXXX XXXX, Nelnet, Dept. of Education, and myself. 

I have also reported these action to XXXX, I will be contact XXXX as well to disputer this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$12000.00} on XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This loan was opened fraudulently. I did not sign any documents, nor did I authorize this loan. I was not aware this account existed until I viewed my most recent credit report. This account was opened at a car dealership that is no longer in business. I have attached a copy of the XXXX XXXX Report that shows a printed version of my name, however nothing was ever signed and this printing of my name was done by someone else! I have filed a police report regarding this matter as well. This incorrect reporting of a charge-off that does not belong to me is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, & XXXX are report inaccurate information on my credit report. XXXX are reporting accounts that at XXXX years old and will not remover them. Also all 3 credit bureaus are reporting a XXXX XXXX Credit card on my credit report and I have called and went into the bank branch and they have no record of the account in their system. Ive disputed the account several times and they continue to verify false information. I am in the process of buying a home. The account has late payments and because XXXX XXXX doesnt have any record of the account they cant remove the late payments, which is the reason for the dispute.
Product: Credit card

FIT XXXX issued by Continental Finance Company ( hereafter 'CFC ' for this complaint ) has charged off my credit card. I am aware that a charged off line of credit becomes a certificate of indebtness which means it is income and must be removed. The law says it is illegal to report transaction history, finable at {$1000.00} per violation. FIT XXXX has XXXX since XX/XX/XXXX which not only permits the {$1000.00} per violation but also pain and suffering damages. Furthermore, under the Fair Credit Reporting Act information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the XXXX. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The XXXX and Accurate Credit Transactions Act added many provisions to this XXXX primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau XXXX XXXX the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains XXXX its enforcement authority. I also have the right to Opt Out under XXXX CFR XXXX deriving authority from XXXX XXXX XXXX. Also, under XXXX XXXX XXXX ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The account with FIT XXXX XXXX XXXX open-ended credit line and the credit application became a security the moment my signature was obtained. FIT XXXX XXXX XXXX in violation of the XXXX XXXX XXXX of XXXX for the sale of my security on the secondary market.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX : XXXX Account : XXXX... 

I am promised accuracy on my report based on federal law. I am writing again as another attempt to have these errors corrected on my consumer report under XXXX usc XXXX. All unverified information must be promptly removed. As you can see in your system you can not verify this information and validate it so I request that you remove it now.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI CARDS CBNA  has left a Hard inquiry on my account for the past year. I have tried on multiple different occasions to contact them, they have fail to give me proper documentation of the original document where I gave them permission to pull my credit or place this on my report. Please assist me on getting this miner mark removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking XXXX XXXX  last month I noticed that my score had gone down because XXXX  card  was reported as off my report. I disputed this information because my XXXX XXXX credit card should have not been removed off my credit reports. Today I received notice that my score dropped almost 42 points because my balance increased on the XXXXXXXX XXXX card to {$2000.00}. This is completely incorrect. The XXXX XXXX card does have an approx balance of a little over {$2000.00} the account is current and never paid late. I was told transunion reported this. I am submitting this complaint because they took the card off my report then put it back but put it back as a new debt. This is messing up my score. The balance did NOT increase if anything it has been decreasing.
Product: Debt collection

Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Alleged Debt Account Number XXXX Dear Sir/Madam, I am writing to formally dispute the collection account referenced above that appears on my credit report. The details of the account are as follows : Account Number : XXXX Original Creditor : XXXX XXXX Amount : {$260.00} Date Opened : XX/XX/year> I have reviewed my credit report and have noted that Jefferson Capital Systems has reported a collection account associated with XXXX XXXX. I want to make it clear that I have never opened an account with XXXX XXXX, nor have I authorized anyone to open an account on my behalf. Therefore, I dispute the validity of this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information : 1. Validation of the Debt : Provide the name and address of the original creditor and any documentation or records that substantiate the amount and validity of the debt you are attempting to collect.

2. Verification of Your Right to Collect : Documentation proving that you have been authorized to collect this alleged debt on behalf of the original creditor. 

Additionally, I am requesting that Jefferson Capital Systems cease all collection activities, including reporting this account to any credit reporting agencies, until this matter is resolved and the debt has been validated.
Product: Debt collection

This issue was resolved several years ago by anot her Collection Agency.and my self.   This issue began on  XXXX   XXXX ,  XXXX  when someone, not me or anyone I know, impersonated me by going on  XXXX  and applying for a credit card with the last four digits of my Social Security number and a false email account. This was fraud.   With the last Collection Agency I had conversations with  XXXX , the Credit Card Company that uses  XXXX  home page.   I have been with  XXXX  and  XXXX  since  XXXX  and I have only used one email for both of these accounts. This email is "  XXXX  XXXX  XXXX  '' and the one used for this " Fraudulent purchase '' was  XXXX  XXXX  XXXX . I have never used or had an email with hotmail.   I had over 20 phone calls with the previous collection company, including  XXXX  and the Credit Card Company that issued credit in my name.   As I told the previou s Collection Agency, all th ey had to do was to ask the  Camera Company tha t shipped the merchandise, where did they ship it to. I guarantee that it wasnt to me or even in the State of Washington.   Everything was settled years ago, and I was reassured that it was Fraud and we were done with this ugly issue.   Now, I guess my previ ous Collection Agency " sold  '' my information on this claim to " Convergent Outsourcing ''  (   XXXX  #  XXXX   ) w hich are now calling me and my wife during work hours and I hate to have to go through weeks of badgering about consumer fraud. I believed this was  XXXX  red up years ago. Can you please help.