23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Loan was taken out for my grandson in XX/XX/XXXX in which I was the co-signor. Over the course of 10 years I have made payments on the loan and am now being told that I owe over {$2000.00}. I noticed that the loan number that I had been paying on is not the same number that I am being contacted about now and have inquired why the number changed. Loan was taken out with XXXX and my request for a payment history has not been provided. I received information from XX/XX/XXXX to XX/XX/XXXX all information for prior years dating back from XX/XX/XXXX I 'm told they can not provide because they have a new system. So therefore my payments are not accounted for. My grandson had other loans and it is my belief that payments were applied to the wrong account. I am on a fixed income and am now being harrassed by a Collection Agency Financial Assest Management Systems , Inc, XXXX XXXX XXXX, XXXX, GA XXXX phone number XXXX. I am being charged intrest and late fees but no one has responded to my request to validate the debt. The original loan was for {$5000.00} in my calculation this should be paid in full at this point and if not paid in full my balance should be no more than {$200.00}. I have gone to my bank to request copies of my cancelled checks which the cost of having them to provide copies is more than I can afford for such history. I do n't know what else to do at this point. I ca n't get any information form Navient on the account formally known as XXXX XXXX. I have heard of the debt tactics that they use and how individuals seem to never pay loans through them. I do not want to be ripped off any longer and request your assistance. I have requested a bill and have never received a bill. Therefore there is no way for me to know what the true balance is that they say I owe as there is nothing to show where may payments of all these years have been applied. All I know is they took my money and applied it to someone 's loan.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to seek your assistance with an ongoing issue I am experiencing with XXXX, XXXX & Experian. Despite my efforts to initiate an investigation into certain items on my credit report, the bureau has repeatedly claimed that I am not the individual requesting this information. As a result, they have failed to take any action on my request. 

I have provided all necessary information and have verified my identity multiple times to the credit bureau, yet they continue to deny my request. This situation is incredibly frustrating and has significant implications for my financial well-being. 

I kindly request that the CFPB hold XXXX, XXXX XXXX Experian accountable for their lack of action and ensure that my investigation proceeds without further delay. It is essential that my rights as a consumer are upheld, and I believe your intervention is necessary to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

I, XXXX XXXX, am a consumer as defined by 15 USC 1602 ( i ). On or around XX/XX/2015 I entered into a consumer credit transaction with Capital One. Pursuant to Federal law, a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605, a finance charge is the sum of ALL charges in a consumer credit transaction. As a consumer, and understanding what a consumer credit transaction is, I was not expecting a bill. During the course of this consumer credit transaction, I received multiple bills from Capital One which is a violation of 15 USC 1692b. Additionally, by sending me a bill, Capital One would be deemed a debt collector pursuant to 15 USC 1692a ( 6 ). Each statement for this alleged debt failed to disclose that the communication was from a debt collector which is a violation of 15 USC 1692. Additionally, each statement came with a positive balance. How can you pay on an account with a positive balance? This is a violation of 15 USC 1692e ( 2 ) ( A ).

Within 5 days of my initial communication with Capital One, they failed to provide me with the 5 requirements under 15 USC 1692g ( a ) which is a violation. Lastly, under 15 USC 1666b it's a violation to deem any payment as late under a consumer credit transaction and Capital One has done that for months on my consumer credit report which is a violation.

Lastly, pursuant to 15 USC 1681a ( 2 ) ( B ) this transaction is supposed to be excluded from a consumer report. By reporting this transaction, Capital One is also in violation of the FCRA and liable for damages for this as well.
Product: Money transfer, virtual currency, or money service

Purchasing gift cards through cash app on XX/XX/2020 and XX/XX/2020. 
Non service of merchandise received and rightfully disputed the source with the actual funds responsible of holding. 
Cash app has been contacted about 10-15 times and even contacting XXXX XXXX. The bank associated with the cash app card. 
XXXX faxed my documents over and now cash app wont even recognize the XXXX and XXXX are the two amounts Im disputing and still have no access too.
Product: Credit reporting

I have contacted Equifax several times about unauthorized inquiries that was placed on my report. When I first contacted Equifax several months ago they advised me to place a fraud alert on my account and contact each company to have them remove. After contacting each company by certified letters and phone calls, I 'm told by these companies to place a dispute with the credit bureau it 's reporting too. I 've contacted each of these companies, by certified mail, requesting documentation that these inquiries where authorize by me. Majority of their respond where get in contact with the credit bureau. As we know, mailing letters to these companies was very expensive only to receive a letter back stating contact the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act Credit bureau systems {$880.00}, last reported XX/XX/22. XXXX XXXX XXXX  {$110.00} last reported XX/XX/22. XXXX XXXX {$740.00} last reported XX/XX/22 XXXX XXXX XXXX {$640.00} last reported XX/XX/22. XXXX XXXX XXXX {$250.00} last reported XX/XX/22 XXXX XXXX XXXX {$52.00} last reported XX/XX/22. 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 with out my written instructions.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA ss. 605 ( b ) or 15 U.S.C. ss. 1681 ( c ) ( 2 ), that you, the XXXX, XXXX, and Experian, reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The credit report maintained by you, which shows the aforementioned fraudulent items I do not recognize these accounts, collections, or hard inquiries as reported. In fact, I've been incarcerated since XXXX XXXX in which I couldn't have created these accounts while incarcerated. The aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have the FTC identity theft criminal complaint number XXXX as proof from the U.S. FTC that all of the aforementioned consumer credit accounts, collections, and hard inquiries, are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

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 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 violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

This is another complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX, KS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX KS XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX KS XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, I made my monthly payment for my XXXX  card. I believe I made the monthly payment with a representative. 

On XX/XX/XXXX, An alert from XXXX XXXX came in my email informing me, my credit score went down. I quickly viewed my credit reports. I discovered that XXXX  had place a 30 days late mark on my credit report, which ultimately affected my credit score, as well as, another creditor lowering my credit card limit because my credit score was lowered. 

On XX/XX/XXXX, I contacted XXXX  about the negative 30 day mark that was placed on credit report, which my monthly payment was made. I was informed, " XXXX  had a computer glitch when my payment was made and the payment did not get posted ''. I asked XXXX  to removed the negative 30 day reporting from my credit report because it was ruining my credit score and my other creditors relations. 

On XX/XX/XXXX, I viewed my credit report to see if XXXX had removed the negative 3o day mark, which they had not. I also discovered that another credit caard lender hard reduced my line of credit due to the negative 30 days late mark, whoch caused my credit score to be lowered. 

XX/XX/XXXX, I contacted XXXX again to remove the negative 30 days mark because I needed my credit and could not afford for my credit score to be lowered, nor did I want another creditor reducing my line of credit due. I was told, " XXXX  was still in the process of removing the negative mark from my credit report, while I continue to adversly affected by the negative mark on my credit report.

We are experiencing a Pandemic Crisis and I needed my line of credit on my credit card, which my credit card limit was {$2100.00} that was reduced to {$700.00}. In addition, when my credit card holder reduced my line of credit, it also affected my credit score. My line of credit was reduced on XX/XX/XXXX, which I contacted XXXX  on XX/XX/XXXX about their mistake of putting a bad mark on my credit report. If XXXX had taken care of the negative mark, i would not have lost my credit line with my credit card holder. My credit is ruin as well as my credit score. I opened the XXXX account in XXXX which I was in good standing with my XXXX  account as well as with my other credit card holder. 

XXXX ruin my life and my credit! I needed my credit card limit that was reduced while I am adversely affected from the Pandemic Crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureau are required by law to remove & block any items which are found to be opened due to identity theft. AGAIN, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am signed up to receive email notifications when my business account has insufficient funds. However email notifications consistently arrive too late to properly cure. Often overdraft fees have been assessed prior to receipt of the email. For example, it appears that my account went into overdraft on XX/XX/XXXX ( perhaps earlier ), I noticed a fee the next morning on XX/XX/XXXX, and received the email notification the afternoon of XX/XX/XXXX. 
This email notification system is pointless and is a deceptive practice. This is the second instance of raising this issue with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

AmeriCollect XXXX : This was through XXXX XXXX Hospital in  Missouri and it was for my daughterXXXX She had double coverage at the time of this bill. Insurance was never billed and I tried to Call the hospital billing department to which I never received a call back. i do not owe this debt. This needs to be filed with the insurance.
Product: Credit reporting or other personal consumer reports

Hello I am filing this claim because I've noticed something unusual when I recently reviewing my credit report. Its implying that I have something in collections by a company named of Midland Credit Management. I have no idea of what it is and why it is on my report. I was made aware of this information on XX/XX/2023 and I do not need anything affecting my credit while making any worse than what it already is. I have absolutely no knowledge of who this company is by the name of Midland Credit Management at all. I want proof of who this company is and not some random bill that can be from anywhere due to fraud, which I have been a victim of before. I have never received anything from this company nor do I know who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a certified letter notifying your company that youve listed erroneous information on my credit file but you ignored for several months, you sent a letter stating that it was verified but to my knowledge I dont recall owing a debt to your company. If you look up my name you will see several people with the exact same name. Please dont compromise my name with anyone else. In order to conduct this matter correctly, I have taken legal actions against your company for violating my rights under the FCRA. Your company has violated more than just a few FCRA laws. You have also violated my right by using my consent without contacting me off such a debt or erroneous account displaying on my credit file. I have attached a letter to this message. I prefer to take this matter to court to get this resolved immediately and removed permanently. I am very disappointed that as a company you tried to collect an erroneous debt not owed by me and you consistently harassed me by phone, sending someone to my job, calling my job and also trying to place a lien on my account. For that reason I am suing your company and I am seeking {$5000.00} for damages you have caused to my credit file. I must admit that I have experienced being a victim of identity theft, I was affected by the breach with XXXX and a few more other companies. I am allowing 72 hours of a response upon receipt for an internal dispute to take place for this matter. I am also sending this as an affidavit so I should hear back from your company within 3 days if not the filed lawsuit will remain as is and the dates as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$58.00} XXXX XXXX Balance : {$380.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXXime has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo XXXX number XXXX Opened on-line matured on XX/XX/year>. Grace period through XX/XX/year>. 
Problems : 1 ) Wells Fargo does not allow an option to transfer funds to any WF account at maturity 2 ) There is no online or phone option for customer to decide what to do with the funds at maturity - ONLY OPTION IS TO GO TO BRANCH IN PERSON. Which is ridiculous in this day and age ( especially when opening option is available online ) 3 ) I was traveling internationally and missed the XX/XX/XXXX deadline to be able to visit the branch- when this was automatically renewed at a low rate. I had to cancel the CD on XX/XX/XXXX when I visited the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC branch - for which Wells Fargo charged me a penalty - so I lost some principal on a renewed CD.
Product: Credit reporting or other personal consumer reports

Hello and Good day, This is the second case about this matter. I have mailed out certified letters asking both XXXX XXXX XXXX and Experian for proof I initiated such inquiry, nor written authorization and have failed to provide any permissible purpose. Experian has not provide proof that I authorized this inquiry. All they did was given me an excuse for why they have allow this to happen. XXXX XXXX  XXXX has not provide proof that I authorized this inquiry. Attached is a copy of the certified letter that I have sent out to Experian ask for the proof. It has been months and I still have not seen any proof, why because " I DID NOT AUTHORIZE THIS INQUIRY ''. Also again this is the second case that I have submitted through the CFPB and still neither XXXX XXXX XXXXXXXX or Experian has provided me proof that I have authorized this inquiry which against the Fair Credit Reporting Act. This will be the 5th time that I have submit paperwork in one shape way or form asking for this inaccuracies to be removed. Experian has cost me time and money for a mistake they have made and have refused to correct. Why is this allowed to happen? " I have not given XXXX XXXX  XXXX Nor Experian authentication for any inquiry having to do with this matter '' ( This is the inquiry that I'm referring too ) Creditor XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/year> 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX {$2100.00}. I did not authorize this transaction and Im not aware of this debt. According to the fair credit reporting act I should have been sent a statement regarding the debt that would allow me 30 daysto respond or dispute the debt. I would like to see proof of a contract or signature that I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, has refused to do there job three times they have put false information on my credit report from a company called XXXX XXXX XXXX. I asked for the act to be verified through the court .And to show proof of validation of debt. I have proof of the actual ordered amount. Equifax never got proof they just closed case. the reason I know is because the amount is still wrong. this fraudulent first allowing of this credit company to add bogus information made the other two XXXX and XXXX do the same put over 7 thousand worth of charges on my file. it took my score down. also the dispute was not done. I want this removed since it was not done in 30 days and it has been over 4 months.