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

I was a victim of TransUnions credit inquiry issue. TransUnion removed all of my inquiries and re-inserted them back on my credit report. I called and spoke with XXXX at TransUnion. She could not help me even after I mentioned the FCRA law to her multiple times, Section 6.11 of the FCRA states that ANY items that were deleted and then reinserted, i must be notified. I did not receive a letter and was not notified on this matter! 

The Credit Inquiries that are on my credit report are as follow : XXXX XXXX  - Inquiry date XX/XX/XXXX XXXX  XXXX - Inquiry date XX/XX/XXXX XXXX Fcu - Inquiry date 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 - Inquiry date XX/XX/XXXX XXXX  XXXX - Inquiry date XX/XX/XXXX XXXX Card - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

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

I am writing this to address serious concerns regarding the unauthorized furnishing of my personal information without my consent, as well as the violation of communication restrictions under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Upon reviewing a copy of my consumer report, it has become evident that your company, as a consumer reporting agency, and the alleged " creditor '' have unlawfully provided my information without my written consent, as required by 15 USC 1681B of the FCRA. It is crucial to emphasize that I do not consent to the unauthorized furnishing of any of my information by any means, pursuant to my rights under the FCRA. 
Furthermore, as per the provisions of 15 USC 1692a ( 2 ) of the FDCPA, it is clear that the transmission of information regarding a debt, directly or indirectly, through any medium constitutes a " Communication. '' The term " any medium '' encompasses various forms of communication, including oral, written, electronic, and more. Thus, the furnishing of my consumer report, which contains information regarding the alleged debt, would fall under the definition of " Communication '' under the FDCPA. 
In accordance with my rights under 15 USC 1692c ( c ) of the FDCPA, I am hereby providing you with formal notice to immediately cease any further communication concerning these accounts. This includes, but is not limited to, telephone calls, emails, social media interactions, or any contact made through a Consumer Reporting Agency. 
Please be advised that any further contact or communication from your agent or company, except for a communication acknowledging receipt of this letter, will be considered a violation of the FDCPA. Please take this notice seriously, as I intend to enforce my rights under the law. 
By disregarding this cease and desist notice, you leave me with no choice but to initiate legal action against your company. Any ensuing legal action will seek the appropriate remedies and potential damages available under the FCRA and the FDCPA. 
I kindly request your prompt attention to this matter, and I trust that you will comply with this cease and desist notice without the need for further legal intervention. Please acknowledge receipt of this letter in writing to confirm your understanding and commitment to comply with the provided instructions. Accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS ALSO VIOLATED THE BILLING ERROR PRACTICE ACT IN PURSUANT TO 15 USC 1666 THEY NEVER GAVE ME THE RIGHT TO OPT OUT AND ARE NOT REPORTING ACCURATELY.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. My information is being furnished to third parties who are non affiliates of XXXX XXXX XXXX XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.I am now aware that XXXX XXXX XXXX RECEIVABLES MNG are furnishing my information to credit agencies. XXXX XXXX RECEIVABLES MNG is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I did not consent, agree, or give instructions to XXXX XXXXXXXX XXXX to give my information to credit agencies the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information nor my written consent. Any and all authorization to XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXX XXXX XXXX XXXX XXXX, never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of T MOBILE / SOURCE RECEIVABLES MNG reporting services.
Product: Checking or savings account

On XX/XX/ I was called by what turned out to be a scammer. My caller ID displayed Chase and their local branch telephone number. The called stated he was the Chase Fraud department and asked if I made a transaction which I did not. He said my debit card was being canceled and I would receive a new one in 7 to 10 days. I asked what I would use in the meantime ( which was foolish ) and he said he could enable an XXXXXXXX XXXX account, just type in 6 digits to a text which I did. The call then dropped off and I became suspicious. I checked my online account with Chase and saw several smaller transactions totaling XXXX dollars deducted from my account. I contacted Chase Fraud reported the loss and they said they would investigate. Several days later I was informed they were denying my claim because I supplied the scammer with information. They said I could reopen the claim if I could supply documentation proving my whereabouts at the time of the fraudulent transactions. I was at home talking with the scammer at the time! The transactions occurred at Chase 's local ATM over 15 minutes. Someone sat at the ATM and withdrew the funds during banking hours under I assume a security camera and with tellers in view of the ATM. Chase will not investigate that. I filed a police report and they said they hope I will be refunded, which I was not. My cell provider can't identify my whereabouts and I have no further options. I have closed my accounts at Chase and after 15 years I will no longer do business with them. I am mortified I fell for the scam but feel Chase does nothing to protect their digital banking. They have a disclaimer stating they will never call clients and that is the reason they are denying my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the XXXX account also known as XXXX XXXX XXXX in a Charge-off status and past due balance estimated to be {$10000.00}. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from my credit report.
Product: Debt collection

Re : Account number XXXX This letter is sent in response to [ a  letter/phone call ] I received on [ XXXX ]. I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please verify original contract with my signature Also verify original creditor account number Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX
Product: Debt collection

I, XXXX XXXX makes a claim against XXXX XXXX XXXX, XXXX. This collection agency has mailed to me a notice that I must pay a judgment balance of {$8600.00}. I want it on record that at n time was I ever served on a summary judgment notice in 2003, that I n ever resided at an address known as XXXX XXXX XXXX, XXXX XXXX, New York XXXX. I believe that the current owner of the debt as stated is LVNV Funding LLC . This debt buyer has been riddled with deceptive collection practices and sued by Attorney General offices in several states as well as the Federal Trade Commission for Fair Debt Collection Practices Act ( FDCPA ) violations. I demand copies of all service affidavits on this summary judgment action from the current debt collector XXXX XXXX XXXX , XXXX, as well as from LVNV Funding LLC . It has been thirteen years since this judgment was entered, obviously by default as I was never personally served with the action, nor have I ever had knowledge of such an action against. There is no proof that original service was mailed or that a follow up letter was ever mailed as well. I never lived at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. If records are ever checked with the local public utility company of the telephone company, they could discover that at no time have I ever lived at this address, received my mail at this address, or had public utilities in my name or a telephone service at this address. The current debt owner has shown no proof that I ever had any connection to this address, and any future claim of a mailed notice is hearsay without proper documentation that I had a connection to the property or a certified acceptance of the judgment entered against me. The entire summary judgment procured by the debt purchaser is a fabrication, period. The Attorney General of the state of New York had recently obtained a civil judgment against another collection agency for similar FDCPA violations such as deceptive collection practices. This judgment is a violation of my rights under the Fair Debt Collection Practices Act and the judgment in dispute must be vacated immediately.
Product: Money transfer, virtual currency, or money service

XX/XX/year>, SOMEONE PLACED AN ORDER WITH A COMPANY CALLED XXXX XXXX XXXXXXXX, IN THE AMOUNT OF XXXX FOR XXXX XXXX. XXXX  GIFTCARDS AND FOR XXXX XXXX DOLLAR GIFT CARD BUT MY BANK ACCOUNT DID NOT HAVE THE MONEY, MY CHECKING ACCOUNT WAS HACKED, I TRIED TO XXXX  THIS COMPANY AND I GOT AHOLD OF SOMEONE IN XXXX, A COMPANY XXXX. THEY HAD NO IDEA WHAT TO DO WITH THIS ISSUE, MY BANK IS WORKING WITH ME, AND THISIS THROUGH PAYPAL, AND THEY WILL NOT ASSIST ME. IT SAYS THE ORDER WSAS SHIPPED MANUALLY, NOT TO ME, BUT SOMEONE GOT THESE GIFT CARDS. NOW PAYPAL HAS FROZEN MY ACCOUNT AT THE BANK, MY NEW ONE, SO THEY CAN GET PAID FOR SOMETHING I NEVER ORDERED, I LIVE ON A FIXED INCOME AND I WOULD NOT ORDER ANYHTHING THAT EXPENSIVE TO BEGIN WITH, LET ALONE XXXX  XXXX  XXXX, NO ONE HAS ACCESS TO MY CARDS AND WHO EVER DID THIS FOUND MY BANK ACCOUNT ON EITHER XXXX, OR XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/1974 To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX, CA, undefined
Product: Student loan

I have paying them since 2007 an average of {$300.00} per month. Since then they changed my payment several times, the changed their name to Navient from XXXX XXXX. I lost my paperwork in the hurricane Katrina while living in Florida. I have requested several times that they send me the original agreement and terms. I have received only lip service. 
I see they have settled several class action suits ( I was not privy to ) because of their practices which border on usury. I do not believe that owe them any monies however they claim over {$30000.00}. How is this possible when I have paid them around {$36000.00} and my loans were not that much. They are keeping me in debt and in the dark. I have tried the states atty. general. No luck only sorry contact our ombudsman who still refuses to send me the original docs.
Product: Debt collection

XXXX This is not my debt. It just appeared on my credit reports.
Product: Money transfer, virtual currency, or money service

Someone stole my phone and accessed by Kraken cryptocurrency account and withdrew all of my cryptocurrency including XXXX and XXXX totaling roughly {$100000.00}.
Product: Credit card or prepaid card

I have had the same low credit limit for almost three years now despite a perfect payment record and paying off my balance in full most of the time. One of the reasons for not increasing my limit to a reasonable level is that I use too much of my limit each month. However, with such a low limit, even using it just a little results in what looks like high usage. The fact that I pay off the balance in full virtually each month should indicate I can handle a modest increase in this limit.
Product: Checking or savings account

I am an active SoFi account customer I activated the SoFi bonus referral account program as advertised from within my SoFi digital bank account nu issuing the provided referral link sent to my wife, who then activated the referring link to proceed with a brand new SoFi banking account. She then funded this account in excess of {$100.00} dollars within a few days. Per SoFi referral bonus terms, she was approved for the new account opening by SoFi, received her debit card and funded the account within the allowable timer period.

I then contacted SoFi directly via customer service telephone XXXX weeks following my wife 's new account activation date, to speak with a representative regarding my bonus referral payment status. Representative was provided with my referral information and was able to acknowledge my information and the referral link sent and new account opening process was true and correct. Representative further indicated my wife had previously attempted to open a SoFi account, though was denied due to unknown credential verification reasons and no account was opened or registered at that time. Together we verified the new account process XXXX months later, as I assisted my wife with the bonus referral link and together, we completed the new account opening application process, utilizing valid personal information and ultimately was approved for her brand-new Sofi bank account. XXXX week later, she received her SoFi debit card in the mail, activated the card and made several deposits using the approved XXXX deposit system. Her deposits exceeded {$100.00}. 

Representative further spoke with supervisor to acknowledge the process and indicated I was approved for the {$75.00} bonus and my wife was approved for the {$25.00} bonus payment, to be issued to our accounts within a few days. SoFi never issued payments, and upon calling Sofi service, I was now speaking with XXXX lady who provided me with a whole different story that we would not get our bonus payment, and that I also had to have my wife call SoFi and let them validate her account credentials over the phone, so that Sofi rep could look into her account and verify the account status and funding. We did this process with another XXXX representative, and he said sorry, to bonus for you. 

We were scammed and I am furious!
Product: Credit card or prepaid card

- IKEA Credit Card Auto Pay unenrolls automatically without informing the customer.

- IKE Credit Card charged late fee and late fees for late fee and charged interest for late fees. 

I have been trying to setup IKEA Credit Card 's automatic payment for some time without any success. I set up the automatic payment several times online in my account. It looked liked it was successfully setup. But then it unenrolls me from automatic payment and I was charged late fees. It happened several times. 
On XX/XX/2022 I found out that the automatic payment was unrolled and made payment manually 2 days after the due date which was XX/XX/2022. I paid the full balance. However, I didn't know that a late fee of {$40.00} was charged on my account. 
When I checked my account in XXXX IKEA Card charged late fee and interest on the late fee. I disputed the charge on XX/XX/2022 and talked to XXXX with ID XXXX. He could wave only one of the late fees. I still think that I shouldnt pay any fees since its automatic payment unrolled itself. I asked him to check this issue. I also talked to XXXX at IKEA Card 's dispute center. Noone could take care of the automatic payment issues. I disputed the late fee and interest charges on late fee. I also requested IKEA Card to fix its sissues with Automatic Payment.

I talked to manager XXXX on XX/XX/2022 at XXXX. XXXX finally admitted that IKEA Credit card unenrolls from auto pay as soon as there is no balance in my account without informing the customer. 
I think this is unfair practice. 
Please investigate. 
Thanks,
Product: Student loan

I attended XXXX XXXX XXXX from XXXX. I am now {$47000.00} in debt with both federal and private loans. I was told that my private loan company PEAKS was owned my XXXX XXXX and they have been sued this past year. I do not understand why I have to keep paying {$200.00} a month to this company if they are owned by the school that was shut down for fraud. XXXX XXXX also lost it 's accreditation recently. So XXXX XXXX was shut down for fraud and they are no longer accredited, but they expect me to keep paying both my federal and private loans for a degree that no longer even means anything. That {$200.00} a month is just the amount in private loans. I owe over {$8000.00} to PEAKS private loans and over {$33000.00} to XXXX Federal loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative at XXXX  to inform them I was a victim of their data breach and inquires were added to my report that I do not recognize. Could not get the issue resolved.
Product: Debt collection

Some lady from " Superlative RM '' called my parents in NC trying to find out where I can be located. However, I spoke to a representative of SM a week ago regarding some payday loan debt that I do not owe and asked them to send me a letter in the mail. I did receive a letter, but why are they contacting a third party when they have talked to me directly over a XXXX ago.
Product: Debt collection

I contacted Spring Oaks through the CFPB and XXXX on XX/XX/2023 to inform them I have no knowledge of this account or the original account. I requested this account be removed from reporting on my credit report. As of XX/XX/2023 the item in question is still reporting. 

The original creditor for this account, XXXX XXXX, has never provided any documentation to prove this account indeed is mine and that I legally physically signed any paperwork agreeing to this debt. 

Please remove this account from reporting on my credit report further. 

The original creditor or debt collector has illegally re-aged this account thus is a violation and per my consumer rights I have the right to sue. 
( PER EACH CREDIT BUREAU REPORTING INACCURATELY AFTER REINVESTIGATION ) Please remove this account from reporting on my credit report.