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

In accordance with the fair credit reporting act XXXX  account # XXXX ACCOUNT # XXXX ACOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # 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: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts and inquiries in my report and found that I need to visit FEDEDAL TRADE COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts and inquiries listed in my credit report. IDtheft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/ inquiries which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX, 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 Bankruptcy Reference # XXXX ; INQUIRIES : XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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

The lawsuit alleges that XXXX systematically misdirected borrowers into student loan repayment programs and types of forbearance, which do not qualify for XXXX XXXX XXXX XXXX, which enables public servants to have their federal student loans forgiven after meeting certain requirements. 
{$2400.00} {$2000.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Equifax {$700.00} XXXX data breach settlement : all part of that
Product: Credit card or prepaid card

This is in reference to complain ID XXXX which has been closed without customer satisfaction. Discover credit card stated they would re-open/re-instate my account after I paid personal fund to find a notary while XXXX. I traveled back to Hawaii from XXXX to find a notary to meet Discovers demand for identity verification, after the IRS had already confirmed my identity. This trip costs over a XXXX dollars for me to fly back and find a notary for Discover. I paid a notary to notarize the requested identity verification forms, showing my passport, drivers license, and military ID. Discover verified that they received the form but stated they kept my account closed due to their failure to contact the notary. Their failure is not my fault, yet I am being punished for their failure to contact a civilian notary in the XXXX. The day after notarizing their document and completing their requirement, I returned to XXXX. No one contacted me after that. I remain XXXX at this time and still unable to utilize my Discover card that I am currently paying on time every month. This is a violation of the Servicemembers Civil Relief Act ( SCRA ) as military members do not have access to certain services such as notary services and/or using a phone when XXXX. I was told by Discover that I needed to just find a phone while XXXX. Thats not how it works on XXXX on ship or shore overseas.
Product: Payday loan, title loan, or personal loan

XX/XX/2019 I revoked there Ach authorizations. It is almost impossible to cancel Ach payments with them. They told me they couldn't cancel my Ach agreement without an alternative payment method. Which is not true. By law You do not have to provide an alternative payment method to cancel your Ach. They dont want you to cancel it so they try to make you think you can't cancel it. By law an Ach agreement has to have a way to cancel it, or it's invalid.
Product: Payday loan, title loan, or personal loan

Loan 1 in XX/XX/XXXX found XXXX through a mail solicitation. A loan granted to me based on my creditworthiness I was told by the employee who initiated the loan. 
Loan 2 and Loan 3 in XX/XX/XXXX loan were amounts added to loan 1 from XX/XX/XXXX. How, XXXX  habitually sends skip a month, calls, emails, sends mailers, etc. 
At no time was I given a copy of my signed documents only blanks rolled up strategically in a wad in an envelope. 
At no time was I informed that there was any insurance policy issued against items listed on paperwork that I found. The employee asked what kind of household items I have and she herself said : Jewelry? TVs? I had no idea she was selling me insurance nor why she was asking such an obscure question. 
Insurance paperwork was purposely and skillfully hidden in multiple copies of XXXX XXXX XXXX   forms the insurance policy added in the amount of {$1300.00} and rolled in the pages and gleaned over by the employee covering the page with another page. Telling me that there is no credit life insurance. 
Upon calling for clarification, XXXX XXXX XXXX XXXX XXXX policy # to find out what is this insurance. The insurance representative said it shows coverages for XXXX gold earrings, XXXX channel set ring in XX/XX/XXXX then in XX/XX/XXXX XXXX TVs were added. ( It should have only been XXXX TV a XXXX XXXX XXXX not XXXX TVs when asked in XX/XX/XXXX ). In the amount of {$12000.00} it shows there is dual interest coverage, extended coverage, closed ended property coverage form. Further, the representative said that the policy should not have been issued without proper up-front documentation appraisals, photographic evidence, receipts/ dates of purchase, etc. 
The insurance representative also calculated that there is a refund owed to me of approximately {$800.00} to cancel this policy that I did not authorize or want. The insurance representative said that the approximate {$800.00} would go back to XXXX and not to me but towards the loan balance more than unilateral contract. 
I asked her would I have had coverage to repair the XXXX XXXX XXXX XX/XX/XXXX year of purchase. ( XXXX   would not take the TV they do not take DLP TVs and I had to pay the junk guy {$65.00} to haul it away ). The representative said without it having been properly documented at the inception of the policy no claims would have been paid if they were even able to repair the TV. 
The insurance representative told me to call XXXX to get the claim form and the refund form faxed to me immediately. See attached claim form and refund form, the insurance representative explained to me that there is to be photographic evidence, police reports, appraisals, serial numbers, model numbers, receipts of the items listed in order to perform any claims or services on this policy or even issuing the policy! 
I at no time possessed the alleged ring, earrings or XXXX XXXX TVs. I wear costume jewelry and I will NEVER own diamonds I will not support that industry!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported discrepancies to several accounts on my credit reports with each reporting agency Experian, XXXX and XXXX and they continue to report inaccurate information. This inaccuracies are hurting my credit score.
Product: Debt collection

XX/XX/2019, was called by someone from Delta Outsource Group. I asked this person to identify his company and he refused to identify his company claiming he had a " business matter. '' During this conversation this person was extremely rude, using a threatening tone against me. I asked if his company had a website. This person said that his company did not have a website. I asked if I could make payment arrangements online. He said that while other companies had an ability to take online payments, Delta Outsource Group did not. When asked who do I talk to about making payment arrangments he said to contact XXXX County Courts. When I asked why am I talking to him, he could not say. He then referred me to XXXX XXXX Collection Manager. I asked Mr. XXXX if they had a website, he said they did. I asked Mr. XXXX if they have the means to make payment arrangments online. He said they did. I asked Mr. XXXX to send me proof that Delta Outsource was a legitimate company, which he did. I stated that the first collection agent had lied to me repeatedly and his company should take action.
Product: Student loan

On XXXX XXXX FFEL loan serviced by XXXX XXXX XXXX disappeared from XXXX website including historical payment and interest paid. Called XXXX on XXXX XXXX and was advised loan was resold back to guarantor Great Lakes Education. Next day XXXX XXXX, luckily I observed email from Great Lakes requesting payment due in 9 days when monthly payment was previously accepted for XXXX by XXXX! [ see attached ] Both XXXX & Great Lakes failed to send any prior written correspondence informing of future change in creditor, loan balance, amortization schedule, payment amount, how last payment would be applied, or where to send future payments. Without personal vigilant proactive awareness, I would not be aware of a change in this debt ownership, or balance details! 

I called Great Lakes and their rep informed me they only send digital notification for account issues and the responsibility to notify change in ownership should be from XXXX. Great Lakes website had outdated contact information for me except for my email address which was the only contact that was still valid. How do I know their balance calculation is correct without any written correspondence to confirm??! 

In my recorded call to Great Lakes, their rep also advised me to ignore the statement due date while they try and " figure it out '' despite interest accruing each day. I can not just ignore a payment request and hope they " figure it out ''. XXXX advised me that Great Lakes should have notified new change in ownership while Great Lakes points blame at XXXX. Both servicers are not legally handling this migration correctly and giving no valid proof of debt. 
I request Great Lakes send me an amortization schedule to validate the transferred loan amount, the calculated interest, payment calculation, and historical payment information. Great Lakes advised me they do not provide amortization charts which I feel is a violation of my FDCPA and TILA rights. The loan has already accrued new interest while I am in dispute. Great Lakes has tried to redirect me to the statement balance which is NOT a VALIDATION of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

To recap, I am asking these lenders to validate the original debt by providing original written bearer of instrument of original loan documentation, provide full method of verification of origination loan balance principle, interest amortization disclosure, and fees for this debt up to and including the transfer to Great Lakes. I also want transparent information how my XXXX XXXX payment was applied to the loan balance prior to the XXXX XXXX loan transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX Inq XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.
Product: Money transfer, virtual currency, or money service

I was looking on XXXX XXXX for a new laptop and I came across one of a guy giving one away for free. He stated in the description that he was giving it away as a gift to who every messaged him first. Then proceeded to ask for the shipping cost so I paid him via PayPal of XXXX , than states that he needed more money due to the weight of the package at XXXX costed more than he thought. At that point I kindly asked him if I can receive the money back and took down the listing as well as the profile he used as fraud.
Product: Payday loan, title loan, or personal loan

I have several complaints The first is the I was unable to do an additional loan - I was told by the company that I could not refinance my loan even though the funds were available. They said that it was because the company sees the company that I work for as an competitor and they can not lend to their competitors. When asked if I could see their competitors list they would not provide it to me. 

Previously, I had another issue where I committed to making a payment and a half one week and another payment a half the next week due to funds being tight. The manager agreed to it and once two payments were taken out she promised that she would correct the issue and assured me my money should be back in my account. I called the store several times and got no answer or a call back and got no answer. I reached out online via chat to speak with the regional manager and no one got to me until I called their customer service hotline and finally the regional said that the manager no longer works for the company. But doesnt apologize for the issue.

I had another complaint of the manager leaving a message on a reference of mines phone with is against FDCP regulations In my previous loan with them they paid off my account, unauthorized. I was about 3 months behind due to struggles and she processed the payments saying their systems automatically paid the loan off.
Product: Debt collection

A property manager for an apartment that I did not move into sent the deposit as well as an NSF fee to collection agency. 

I received a notice from the agency on XX/XX/XXXX for collection of the amount. 

I replied to the notice and told them that I did not owe it since I did not move into the apartment. 

I also sent it to the property manager and asked them to explain. They did not reply. 

On XX/XX/XXXX, I received a credit alert that the collection has been posted to my credit report. The only way to quickly resolve it, was to pay it and the collection agency would delete it from my credit report - essentially extortion. Since I am in the process of house shopping, this was my only option. I paid it immediately and the delete was sent to agencies on XX/XX/XXXX. 

Fast forward a few weeks and we are going through the underwriting process for our mortgage and discover that the debt is now on my husband 's credit and has not been deleted. His credit score has taken a huge hit. 

He was never contacted about the debt nor given any opportunity to stop it from going on his credit report, and it has not been deleted like it was off of my report. 

This has led to issues in our mortgage underwriting process and we will likely have to pay a higher interest rate because of it. 

These agencies need to be stopped from ruining people 's lives. It's absolutely ridiculous.
Product: Credit reporting

Reviewed my credit report as notified by my employer, found INCORRECT credit score from EXPERIAN. Unfortunately MY SON used my identity & got behind on some money problems. While checking my XXXX statement XXXX pay stub ), found a GARISHMENT withdrawal! I took care of my son 's debt / called that company & they SAID my credit would NOT be AFFECTED!!!
Product: Credit reporting

Have been disputing issues with Equifax in reference to my case and credit reporting errors since I have been a victim of fraud. It seems that they still have erroneous credit inquiries and debt accounts on my credit report. I requested an accurate copy of my credit report and Equifax states in a document on XXXX/XXXX/2016, t that my credit history is stored in different files. I want to have it to where I have XXXX credit file, with accurate credit reporting and I would like for them to remove the fraudulent credit inquiries on my credit file. I am in the process of beginning the journey of purchasing a home for myself and my XXXX children, and with inaccurate reporting it will be difficult for me to gain a home with a reasonable rate if they are inaccurating reporting my information in their system.
Product: Checking or savings account

I can no longer add paper cash to my cash app account at major retailers. My account no longer gives me the option. When I asked why, they said that option wasnt available to all customers right now? Ive added paper money before with no issues at all
Product: Money transfer, virtual currency, or money service

On the XXXX of the XXXX /2021I tried to purchase honey love jar spell from a merchant the cause of that item was {$550.00} I use my bank account jm Morgan Chase to made the purchase with their service that they provide XXXX XXXX upon making the purchase with the merchant the merchant was supposed to ship the item to me and send me prove. The item has not shipped the merchant that goes by the name XXXXXXXX XXXX XXXX never respond back to my text or email I tried to contact Chase about the situation more than once they're saying that even though they provide services it's like handing over cash to someone and they're not responsible for my money that I lost so I'm filing this dispute I'm hoping that you guys can help me to get back my money from my bank or merchant XXXX a love spell contact number XXXX XXXX please call if need any more information my contact number is XXXX and my email XXXX XXXX
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX ACCOUNT NAME : XXXX XXXX  # XXXX. HARD INQUIRE : XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

Today, XX/XX/XXXX, I went to use my credit card to pay a bill ( which I have paid my card off up to date ) and it says that my spending is blocked. It also states that my account is restricted. I asked the Goldman Sachs/Apple team member why through the XXXX portal and they said my account is under review and said to wait up to XXXX business days. I need to use this card ASAP and cant because of some random check. Also, Ive been waiting months for my disputes to be processed on the card.