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

Greeting, In XXXX of 2018, I received verified dispute results from XXXX, XXXX, and Transunion. According to the FCRA my rights has been violated. I asked all the companies to show how the account was verified, to send a copy of the original contract, and the payment history of the account. All failed to provide me proof and is still reporting negatively.
Product: Credit reporting or other personal consumer reports

Student loans totaling {$48000.00} 1st- high balance {$16000.00} 2nd- high balance {$13000.00} 3rd- high balance {$10000.00} 4th- high balance {$7700.00} 5th- high balance {$8000.00}. 
I have submit request to the credit bureau to items removed or some sort of action be taken otherwise. Request were submitted through credit bureaus. 
These loans were granted during the time at her educational institution ( approximate time of acceptance until XXXX  )
Product: Credit reporting or other personal consumer reports

We applied for a mortgage pre-approval through our bank, which ran a credit check. Almost immediately afterward, we started receiving phone calls and texts every XXXX to XXXX minutes purportedly from mortgage lenders with details including our name, address, and previous mortgage amount. The calls and texts are ongoing every XXXX to XXXX minutes. I did not know credit bureaus selling our information was possible or that we could opt out. We opted out immediately, but the damage has been done. Our phone service provider can't block the calls or texts, and we can't get them to stop. Some numbers call repeatedly. Some numbers are spoofed with our area code. Is there anything CFPB can do to help?
Product: Credit card or prepaid card

On XX/XX/2022, I was charged {$140.00} for a subscription that I did not authorize. The company claimed I had agreed to the renewal in advance but, at the time of initial purchase, I made sure auto-renewal was not enabled. I do this with every service related to my business. 

Similar to my other filed complaint ( XXXX ), I have had to repeatedly dispute this transaction with Apple Card . This issue, in addition to the other complaint, is what led me to cancel my card with Goldman Sachs and Apple. 

Per their request, I provided detailed communication to Apple Card about how I was charged without my authorization. I provided written communication and screenshots of my current account type with XXXX ( I have the " free '' version ) to Apple 's dispute department. 

For whatever reason, Apple Card continued to tell me that their dispute resolution team found that I was still liable for an annual subscription that I did not authorize. To date, I still have the " free '' version of the service and have not used the service at any point that I was charged. 

Apple auto-drafted a portion of the {$140.00} as payment after denying my dispute for the XXXX time. 

In XXXX, I had a credit of {$94.00}. In XXXX, when they reversed the charges again my balance went from $ XXXX to owing {$57.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the account was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$23.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached letter explains the problems that I am having with the 3 major Credit Bureaus, XXXX, Equifax, and XXXX. There are so many unauthorized credit inquiries. I am worried that I have contacted these companies fearing that I can be a victim of identity theft and nothing has been done to protect my privacy.
Product: Money transfer, virtual currency, or money service

I am an XXXX. I Sent money for a studio session I was attending but it was sent to the wrong person.
Product: Student loan

In XXXX, we needed to put our son in XXXX school to help him XXXX, and could not afford the lump sum at the time. To still be able to give him what he needed, we took out a student loan from XXXX XXXX, of only {$3800.00}. We have made payments of between approximately {$42.00} and {$48.00} per month, as directed by XXXX XXXX, for over 7 years to this date, XXXX XXXX, but the loan payoff had only reduced to {$3300.00} - by merely {$500.00} - over the course of 7 years. The payoff date shows as being in XXXX. 
When we got this loan, we had no idea that it would be so unbelievably onerous. It was with XXXX XXXX, who in fact had our federal loan, which was so easy to manage. This is horrible - the interest rate is 10 %, but this feels like it is worse, from the standpoint of how long they are taking to pay off such a small loan, than even high interest credit cards - if not similar. How is there any reasonable way that over seven years of payment sof close to {$50.00} per month result in a loan principle reduction {$500.00}? That is truly unbelievable, and completely immoral. We were in no way clearly told that the loan was essentially being structured like a front-loaded 15-year mortgage, vs. a basic, standard, simple interest loan. XXXX XXXX has offered no recourse or alternative other than paying off the loan in full, and has been completely uncooperative in looking at any way to structure the loan in any way that could be seen as reasonable. 

This is a {$3300.00} loan - there is no justification to structure a {$3300.00} loan like a 15 year mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to privacy 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency connot furnish an account without my written instructions
Product: Debt collection

In XXXX I failed to pay a debt with XXXX XXXX XXXX, XXXX. ; in XXXX it was shown as a charge off on my credit report for the amount of {$590.00}. On XX/XX/XXXX, I received a Notice of Summons from XXXX XXXX, XXXX successor in interest to XXXX XXXX XXXX, XXXX. c/o XXXX and XXXX, XXXX. Unaware of my rights, I answered the judgement within the required 30 days. On XX/XX/XXXX I received a payment plan from XXXX XXXX, XXXX, but the logo at the top of the " Proposed Judgement '', was from XXXX XXXX XXXX, XXXX Attorneys. I signed and returned the judgement on XX/XX/XXXX and the agreement for {$70.00} a month payment plan was made. I paid {$70.00} on XX/XX/XXXX and another {$70.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX , XXXX, informing me that XXXX XXXX XXXX , XXXX, who handles accounts for XXXX XXXX, XXXX is closing as of XX/XX/XXXX and my account is being transferred to their law firm for future handling and I should send future payments to the address given. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX , XXXX stating that I owe {$560.00}. I sent a certified letter to them explaining that I had already started a payment plan and was paying down the account ; therefore I should not owe the stated amount. They continue to harass me for the above amount although I had already had already made payments toward the original amount owed. 

Thank you
Product: Money transfer, virtual currency, or money service

Ive had a package missing from the mail for well over a month, so I got an email saying it was lost in the mail and to click the link and put in my card info. This was on XX/XX/year>. On XX/XX/year>, I get an email receipt saying that I have a wire transfer for {$99.00} to XXXX. Its on XXXX, which Ive never even heard of because I am in XXXX and dont need to send money elsewhere. I dont even have {$99.00}.
Product: Credit reporting

XXXX of my credit cards are getting different information from this company. Each credit card company has given me a different XXXX score.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CPFA ). Specifically, Cash App failed t take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was contacted regarding my current credit report to see if items can be removed. This was when I was told that even when a bankruptcy is filed, the items still can report. however, some items should not have been on my report even prior to reporting. I was told that cause it was included on my bankruptcy that it couldn't be removed even though the item should have already reached the 7 year limit before bankruptcy. 


Agencies XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


XXXX XXXX Original creditor : Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$120.00} Original balance {$120.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Is everything correct?
Product: Debt collection

I am writing to file a formal complaint against LVNV FUNDING LLC for multiple violations of consumer protection laws, including 12 CFR 1006.34b-5, 12 CFR 1006.34c4i, 12 CFR 1006.34d, and 15 USC 1681 S2 7a . On XX/XX/year>, I received communication from LVNV FUNDING LLC regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I promptly requested validation of the debt in writing. However, LVNV FUNDING LLC failed to provide the required validation information within the prescribed timeframe, violating 12 CFR 1006.34b-5. Furthermore, LVNV FUNDING LLC engaged in deceptive practices by failing to disclose in subsequent communications that the debt was disputed, as required by 12 CFR 1006.34c4i. Moreover, LVNV FUNDING LLC persisted in using harassing and abusive tactics, including contacting me at unreasonable hours and using threatening language, in clear violation of 12 CFR 1006.34d. Additionally, LVNV FUNDING LLC obtained and utilized my consumer report information in an unauthorized manner, violating 15 USC 1681 S2 7a of the Fair Credit Reporting Act ( FCRA ). These actions by LVNV FUNDING LLC have caused undue stress and hardship. I request that the Consumer Financial Protection Bureau investigate these violations thoroughly and take appropriate enforcement actions against LVNV FUNDING LLC. Furthermore, I seek remedies for the damages incurred as a result of their unlawful actions. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to ensure that LVNV FUNDING LLC complies with all relevant consumer protection laws.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the following items, or inaccurate information, from my file immediately & send me the results to the addresXXXX 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: Money transfer, virtual currency, or money service

I wired  XXXX  {$100000.00} transfers to an individuals bank account at the HSBC branch in  XXXX   ,  NY  .  The   XXXX    XXXX   XXXX  suspected fraud so they recalled the wires. They were put in the hands of the  Fraud  Department at HSBC bank. This took place on  XXXX   XXXX ,  2016 . I have called numerous times to have the funds returned and have no success.  The Fraud Investigator i s  XXXX   XXXX  who I have called many times. I am only able to get his voice mail. It is urgent that I be re-imbursed.I need the funds to pay the real estate loans I secured to send this money.  XXXX   XXXX  's phone number is  XXXX   XXXX .   The bank info.is as follows, HSBC Bank us Nat.Assn.  XXXX   XXXX   XXXX , and  XXXX ,  XXXX , NY  XXXX  US, tel. #  XXXX .   Please intercede for me. I have done all I can to retrieve my money to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by XXXX, Experian, and XXXX XXXX. The 3 credit bureaus Experian XXXX and XXXX have failed to comply to a dispute and investigation in a timely manner. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to XXXX XXXX. 

Account Name : XXXX Acct # 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 XXXX XXXX XXXX. 

Accounts to delete 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 XXXXXXXX Bankruptcy Bankruptcy Chapter XXXX XXXX XXXX, XXXX XXXXXXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is to express my deep frustration and concern to follow up regarding the ongoing presence of late closed and charged off accounts despite our repeated attempts to rectify this issue. 

I urge you to conduct a thorough review of our procedures and systems to identify any systemic weaknesses or gaps that may be contributing to the persistence of these adverse records. It is essential that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by these adverse records. Transparent and timely communication regarding the steps being taken to address their concerns is crucial in restoring trust and confidence in our organization. With this, I am asking for your assistance to remove these accounts in my credit file : 1. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
2. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
3. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
4. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
5. DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 
6. XXXX XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 
7. XXXX XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 
8. XXXX XXXX Balance Owed : {$200.00} - The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES Act. Thoroughly investigate and delete with lawful accuracy.
Product: Debt collection

I contacted credit acceptance last month before my payment was due and explained that I needed to see if I could forward my payment to the end of the payments due to me not receiving my check last month. They told me I could instead pay them {$30.00} fee and they will extend out the payment over next three months after they told me they can not let that payment go to the end. I am in a forbearance with my mortgage already due to COVID and I explained that too them I paid the XXXX dollars and this month I have yet to receive last months due check and now have not received this months check as I have tried to correct this error I had to call credit acceptance again and explain that for the second time now Im last year and a half I have not received my check that I needed an extension or something. They told me not available and that my name and number will be put on the call list. Every day except Sundays for the last two weeks they call with an automatic system four and five times a day leave one message and keep on calling. I asked them to put a check on that since its a bit repetitive and they said they can not control who and when the machine calls out on debts owed. I said well that is a problem and illegal that once a week is more like a reasonable calling pattern. It still goes on four and five times a day. I have a call log on my phone showing times and lengths of messages. Its a bit to much. First you dont want to help out then when I do need a bit of peace and quite I get hounded by a machine calling me several times a day. I am done. I will pay as soon as my check clears my bank and I have actual funds to pay with instead of writing a bad check that cost me even more. As I am writing this they are even calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I notice there where multiple fraudulent inquires on my consumer report. Experian is in direct violation of 15 U.S.C. 1681b. Experian was unlawfully reporting XXXX unauthorized inquiries on my consumer report. The law clearly states that you are required to have permission and written instruction from the consumer before you can furnish anything. Experian is in violation of the Fair Credit Reporting Act codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
I did not and do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with US SM BUS ADMIN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( it appeared twice on my report ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX. 
Experian was frivolously reporting unverified information, which was directly affecting my creditworthiness.