23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made transaction with my credit card to buy crypto currencies which was successful. 

On XX/XX/XXXX XXXX made a duplicate transaction on my credit card which caused me an extra charge of XXXX dollars which I disputed with my bank. My bank kept the entire amount on the hold and rejected the transaction which was not my intent. 

On XX/XX/XXXX Because of this the XXXX put my purchase ability on hold. I made the payment using my checking account immediately and the funds got transferred to coinbase but never the gave back my purchase ability. It has been two weeks and I payed the amount and I contacted the customer care but I never got any support. I have funds in my account which they neither give access to me and I am loosing more money than the amount it was charge back.
Product: Debt collection

They never sent initial notice per the law nor validated the reported debt. And yet still attempt to report and verify the debt with the bureaus.
Product: Credit reporting or other personal consumer reports

They are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. Without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ].

The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my EXPERIAN consumer report on 10/08/2023 without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 

I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ECSI Heartland is still showing my loan payments as not being paid monthly when I have been making monthly payments since XX/XX/XXXX and before that in XXXX. They have been saying that my payment is late on my credit report, and not being made every month when I have proof that I have been making payments on their website monthly since XX/XX/XXXX. Every attempt I try to contact them is unsuccessful as they put me on hold and never reconnect or never answer the online chat box.
Product: Student loan

Before Navient transferred to XXXX, they offered the co-signor a waiver without consent of all parties to the promissory note and without confirming the ability of the borrower to pay the loan without the co-signor. This option was no where listed on the application or the website for co-signor release. Nor did the borrower make 12 consecutive monthly payments. 

The borrower agreed to settlement, which Navient offered at a lower amount than what the ended up removing the co-signor with under a waiver behind the borrowers back and without communicating to the borrower and getting agreement. Navient broke the contractual terms of the original loan from XXXX XXXX and has now sent the loan to XXXX with a XXXX XXXX interest rate. 

Navient has violated many federal laws when handling my loan, including the Consumer Financial Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 

As someone on welfare and a single parent, this has detrimentally effected me and Navient knew this because as soon as I was made aware of this, I contacted them several times to inform them I did not agree to this contractual change, but they went forward anyways to get money from the co-signor before transferring the loans to XXXX. 

On top of all of this, this loan would have been part of the Navient XXXX XXXX but for the co-signor they have now removed, and left the loan solely on the borrower that they never confirmed ability to pay to begin with. They did not give the loan solely to the borrower for this reason, but then removed the co-signer knowing the borrower could still not afford it. Lastly, Navient was informed that a court had already told the co-signer he was responsible for this loan, and went forward with their deceptive actions irregardless of the information that they received. Now XXXX services the loans that should be forgiven due to Navient 's unlawful actions.
Product: Debt collection

Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my report.
Product: Vehicle loan or lease

I emailed the company on XX/XX/22 to gain access to my own line portal account, to which I received an email back telling me to call them to make a payment or discuss my account as the payment portal was not working. On XX/XX/22 I emailed showing proof the car had been turned over to another company and paid off as of XX/XX/22. I received an email back from XXXX ( XXXX XXXX XXXX '' XXXX ) stating they would be reporting me as 30 days late on my account. I asked several times for proof and was never provided proof, they locked me out of the portal therefore I was no longer able to see my records. I have been requesting for a payment history all well and being denied this information. They call me daily and then hung up when I answer. I email and getting no response. As of XX/XX/22 this lender has now marked my XXXX Credit report 1 - 30 day late. I have NEVER been 30 days late with this company. 
I want proof this account has even been 30 days, because it has not and they know it has never been 30 days late. I paid bi-weekly on payments per my contract. 
The information being reported is stated : History : XX/XX/22 ; Late Dates : XXXX PER XXXX XXXX PAYMENT MADE XXXX/XXXX/202 NEXT PAYMENT DUE XXXX I have added all email communications with this company.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Account Name : XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXX XXXX XXXX  of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of this account immediately
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander USA, I have sent in several different complaints about the same thing with theses people, Im am asking that this matter be investigated and resolved immediately and remove from my credit report, they are still reporting that I owe money to them for a account that I won a lawsuit against that they paid me and a judgment against them to remove it from our credit report! Can someone please help me resolve this matter for once and for all!
Product: Debt collection

I am writing to formally dispute a debt that has been placed on my credit report by LJ Ross & Associates. This collection account was added to my credit report without any prior validation of the debt and without any attempt on their part to allow me the opportunity to pay or dispute the alleged amount before it was reported.

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to be notified and provided validation of the debt before any adverse reporting occurs. LJ Ross & Associates failed to follow this protocol, causing unjust harm to my credit profile.
Product: Bank account or service

My accounbt has been attacked by a company multiple times ( 8 ) in one day and multiple times ( 19 ) over the last few months especially. It happened also, a year ago and the compnay changed their name and did it again. There was XXXX company names that have tried to withdrawl ACH debits out of my account doing multiple times with less and less amounts at least 3 times in one day upto 8 times in one day. Each time I found out, I have called the Navy Federal Credit Union and they tell me to send in the request form to receive the return item fee charges that they have charged me each time it occurred. In the last 3 months, I have been charged {$550.00} in return items costs. I have faxed in the forms, and they tell me they did n't receive them. I went into the branch on XXXX XXXX, 2015 and they filled out XXXX forms for the charges and turned them into the deptartment that handles that amount. They refunded me {$200.00} and told me they were not going to give me the rest. I worked with XXXX and he said that he would get me the funds back, but now, on Monday XXXX XXXX, 2015, he said they ca n't. I then requested the reason for denying me in writing and they have refused. I went into the Branch again on Tuesday XXXX XXXX, 2015 and spoke with the Branch manager, XXXX XXXX at the XXXX, VA XXXX and when I requested again in wrting for the refusal to refund me the fees that they took from my account for a fraudulant company trying to ACH debit my account repeatedly after I had made numerous calls and attmepts to stop this, she said they were still researching it and it would take upto 3 weeks, if they determine to give me the fees back. I requested the elecutronic transmisions from all the attempts made on my account and she told me that there is n't anything to give me. When I told her that they needed to abide by the Regulation E. Electronic Fund Transfer Act, and return the fees to me, because I never authoized that company ( s ) to debit my account, she told me that the law did n't protect consumers against the fees incurred by the fraudulent attempts on my accout. I have re-read the law, and it clearly outlines protection for consumers against the bank fees that are incurred with fraudulent debits. They clearly felt I had fraud against my account ( by returning {$200.00} into my account ), but are refusing to refund me all that was incurred ( another {$340.00} ) with these transactions. I have notified them via, phone, fax and in person, as soon as I knew about the attempted debits starting in XXXX 2015, but they still refuse to follow the law. I really would like someone to make sure that they do n't continue to act as though no one can make them follow the law and enforce regulation on them. I want the rest of the fees of {$340.00} returned back to me asap.
Product: Student loan

I will need to send you the information because it takes place over several years and will not fit in this space. Happy to provide it, just not enough room here. Thanks.
Product: Vehicle loan or lease

I had an issue with my car loan still being outstanding/no title after being paid off XX/XX/XXXX. This has been fixed and final payment applied XX/XX/XXXX but now it created a new problem. It now shows I have two late payments. The payment that was made in XX/XX/XXXX to pay off the account was posted XX/XX/XXXX. Can the payment be applied correctly when I actually made the payment and remove the delinquent payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I noticed that there is XXXX XXXX on my credit report. XXXX XXXX as a hard inquiry for Auto Loan.

2. I do not know who XXXX XXXX is.

3.On XX/XX/2018 I submitted Loan app. to XXXX  Dealership in XXXX, VA.

The name is XXXX XXXX.

But it is XXXX XXXX and they run a Hard inquiry on my credit report.

It shows up on my Annual Credit Report by Experian.

4. Today I contacted EXPERIAN, spoke with a dispute personnel and I asked her to enter a dispute about Hard Inquiry by XXXX XXXX. I want XXXX XXXX to be removed from my credit report. It is hard inquiry and hurts my credit score.

5. Rep in Experian Dispute dept. was not polite and offensive to me, she too k my request of a CONSUMER, - offensively and disrespectfully.

She asked me if I applied for a auto loan on XX/XX/2018.

I asked her, why does she ask me this q?

She said : because when you apply for an AUTO LOAN with a dealer, the dealers usually pass this information to all their sources and financial friends. Buddies.

And every body runs their own hard inquiry.

I was not told about this when I applied for a Auto Loan with a very reputable XXXX XXXX dealer in XXXX. VA.

XXXX stands for its name and it means protection of the clients. So I thought.

I bravely gave my SSN and DL and all other confidential financial information in order to get a loan in amount of $ 40,000- {$45000.00}.

I was not told by XXXX XXXX of XXXX, that they are going to give my SSN to everybody. They gave it to XXXX XXXX and this is not XXXX XXXX of XXXX VA.

Bottom line is : I am afraid that maybe XXXX XXXX   Financial Manager got upset at me, as they got upset at me on XX/XX/2018 when I came to sign and close on my XXXX. I refused to accept XXXX XXXX Loan, {$40.00} 000 or more, with 6.5 % APR.

It was not affordable loan not to me.

In my turn, I obtained a loan from the XXXX XXXX XXXX in Washington DC where I am a member since many many years ago and my auto loan was 1.89 % APR.

Well this is all.

I do not recognise XXXX XXXX. I told about this to XXXX, a representative in EXPERIAN with whom I spoke today.

She refused to take my dispute over the phone and I told to her that I will call to FTC.gov to tell that Experian does not want to take my dispute over the phone. and is abusive over the phone like I am asking for some special favor or money or loan.

It was uncomfortable.

She told me that I can do whatever I want to do and call to FTC if I want to. She said that she does not care what i do.

In desperation I am filing this complaint about XXXX XXXX.

I already contacted XXXX XXXX about this in summer.

I contacted EXPERIAN today by phone.

And also mailed a letter to EXPERIAN in XX/XX/2018 with request to investigate and remove this hard inquiry.

I just noticed that there are too many double inquiries or unknown inquiries.

This inquiry is not XXXX XXXX nor XXXX nor Credit union nor the bank.
Product: Debt collection

In XX/XX/2020 I asked for proof of IC System 's claim of an alleged debt for an XXXX bill and I also asked them to not communicate with me as I am represented by an attorney on page 3 of the letter that I sent them attached hereto. This is a violation of the FDCPA. I am requesting that the CFPB investigate and have IC System contact my authored rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DEPTEDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 the 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance XXXX {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$960.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to remove XXXX XXXX XXXX Acct # XXXX, After i have advised them that the inforamtion is incorrect through five disputes in the last year.. I have even filed written dispute via cerified mail in XX/XX/2022, in which a request for written response detailing the innacuracies, and provding evidence supplied to them and how they conductied thier investigation and did not recieve any written responce which is also FCRA over 60 days at this point. My dispute with this account is # 1, Veirfication of this debt with evidence provided to them as staements etc containing extact dates showing money owed. also i was not properly contacted by them of my alleged deliquency via mail. They also reported a charge off, while this account while i was involved in an active dispute in violation of 15 US Code 1681 that i do owe XXXX XXXX XXXX and ET Sec 604 of the FCRA. # 2-Experian reporting A past due ammount 0f {$640.00} dollars on a cahrged off account. This Charged off account is reporting payment history each month when it should not since account has been charged off. This is falsely manipulating the statue of limitations which is a FCRA violation.
Product: Checking or savings account

Chime locked my account due to a refund I received. 4 days later the closed my account and told me I dont get a refund for any balances. They kept my paycheck and the refund I received. Ive emailed them repeatedly and they wont respond to me anymore. They stole my money. XXXX XXXX XXXX is the refund they locked my account for and XXXX even tried to reach out and they wont respond or give me my money back. My company even reached out trying to get me my money and no response. This happened on the XXXX of XXXX.
Product: Credit card or prepaid card

I have a Banana Republic Visa account that is managed by XXXX XXXX. There was a charge of {$100.00} made on it that I did not authorize in any way. I disputed the charge in writing and talked to the fraud department at length. They agreed that it is a fraudulent charge and said that they would remove it. 

However, I am receiving daily harassing phone calls about the fraudulent charge, even though Synchrony/Banana Republic has already agreed to remove it. I do not think it is legal for them to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I never filed for bankruptcy, I dont have children, and I am currently in the process of a legal divorce and have been separated from my spouse for over a year now. Also, I was affected by the XXXX and a month prior to the pandemic starting, I was hospitalized and could not XXXX for 3 months after. Not only that, I am a full time student at XXXX XXXX XXXX and was affected financially during my hospitalization and all throughout the pandemic. I never received unemployment either. Lastly, I never got approved to buy a home, and again, I do not have children or ever file for bankruptcy. Thanks. 

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

I was advised to contact you guys regarding some items on my credit that are not mine. I have contacted the ftc and the city police. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I'm trying to purchase a home and this is really keeping me from being able to live my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX partial acct # 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 partial acct # 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 partial  acct # 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 partial acct # 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 partial acct # 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