23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX  Account Number : XXXX please update all late payments, all payments was made on time 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Student loan

I am in approximately {$260000.00} of debt from school fees that are all from my XXXX education at XXXX University. Many, but not all, of my loans have a 10 percent interest rate. At one point I tried to consolidate, and was turned down. I have XXXX individual private loans ( through Navient - formerly XXXX XXXX ) and federal loans ( through XXXX ). I left school with {$80000.00} in debt. Paying off this debt has been exacerbated by an egregious case of XXXX XXXX XXXX, for which I have been treated ( and had to leave a semester of school for ). I was officially diagnosed at XXXX, though I struggled with this condition my entire life and am currently in XXXX. I am addressing this because the XXXX played a role in my difficulty in initially negotiating, procuring, and then paying off these loans. Many have doubled. This has become an extreme XXXX burden. 

In contacting you, I am attempting to address my debt in a different way, rather than paying the minimum balance I can currently afford and watching the interest continue to accrue in a way that I feel exploits me. Apparently, I 'm wasting my money as a few lawyers indicated. I am hoping to explore my options. 

Throughout the process of seeking legal advise : XXXX lawyer advised me to file a Chapter XXXX bankruptcy claim.In addition, we were exploring the tenets of the XXXX XXXX towards whether or not anything was dischargeable. More than XXXX lawyer indicated that a strategic default was the best option and in doing so ; destroying my credit and providing for a hand-to-mouth off the grid existence. I have explored ; to no avail, almost every avenue of reconciliation which includes income based repayment, forgiveness, consolidation, forbearances, deferment, student loan companies, etc ... Another indicated that I try to find someone to take on my case pro bono or to represent myself pro se. And, another indicated the best option was to engage in a strategic discharge that I find to be ethically and morally reprehensible. However, I 'd be judgment proof apparently. This is not what I want to do! 

I 've been working XXXX hours a week for the last ten years of my life. I am tired, exhausted, scared, and these loans do not seem to be getting smaller, but rather larger. Im seriously concerned with my ability to have a life socially and economically because this debt is such a burden on me. 

I truly am not wishing to exploit this system and want to honor my debt. However, this is insurmountable and I do not see a way to pay off the debt in my lifetime. Are there other options for me to explore? 


I do n't have any idea what to do now ... I ca n't get out from under this seemingly insurmountable debt. I ca n't participate in the economy in any sort of meaningful way ( house, savings, XXXX edu, car, etc. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX experian, XXXX breach have ruined me please have them remove the inaccurate accounts
Product: Debt collection

This letter is regarding a false debt that I have repeatedly tried to resolve with the company, XXXX XXXX XXXX XXXX XXXX. I ended up having to file a fraud report against the company with XXXX, Report # XXXX. I believe this false billing is in retaliation for reporting them. 

In XX/XX/2018, I received a bill, in the amount of XXXX, from XXXX XXXX XXXX XXXX XXXX showing a total billed amount of XXXX for date of service XX/XX/18. Please see front and back of statement dated XX/XX/2018. 

XX/XX/2018 XXXX  Insurance Contractual Adjustment of XXXX XX/XX/2018 XXXX Insurance Contractual Adjustment of XXXX XX/XX/2018 XXXX  Insurance Contractual Adjustment of XXXX Reverse XX/XX/2018 XXXX  Payment XXXX Total insurance payments made are in the amount of XXXX, leaving a XXXX co-pay, which my secondary insurance needed to pick up. So, provided my secondary insurance information. 

Then in XX/XX/2018, I received another bill. Please see statement dated XX/XX/2018. The big problem on this bill is now that XXXX had payment from both my insurances and somehow they are trying to bill me XXXX. This bill shows the following total amount billed XXXX. 

Adjustments of XXXX XXXX  Insurance Payment XXXX XXXX  Insurance Payment XXXX The total payments and credits come to XXXX, showing this account was not only PAID IN FULL, but that it was over paid by XXXX. Yet, somehow, they come up with this XXXX number saying it is due. How can they not see their own accounting problem? 

After multiple attempts to try to get XXXX  to acknowledge the problem I finally called my insurance company who also confirmed that according to their records I was only responsible for XXXX and that if the other insurance over paid then we would not have any balance due. 

By XXXX  own accounting, the bill was XXXX, they received XXXX in credits and adjustments. So how can XXXX make up a number and send me multiple bills and ignore all my attempts to resolve this, unless it is intentional? 

In summary, I owed XXXX co-pay showed on statement dated XX/XX/18. Then I provided my secondary insurance information to XXXX to cover my co-pay. XXXX then received an additional XXXX from my second insurance which ultimately over paid the account and yet XXXX somehow says the account is still owed XXXX. The accounting on their own bill does not add up. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 two transactions were performed in my PayPal account to a person in the XXXX without my knowledge. Each of the transactions amounted to {$730.00} for a total of {$1400.00}. The transactions were bank transfers and thus did not have credit card protection nor any protection from PayPal. I dont know who this recipient is and Im still uncertain how these transactions were performed. I believe someone may have hacked into the account as they also changed several of the settings in my PayPal account shortly after making these transactions. I have explained to PayPal that the transactions were not made by anyone in our household and they state that the transactions were authorized. 

Im uncertain what the next step should be to make PayPal aware that they have security issues and without question customer financial theft issues.
Product: Credit reporting or other personal consumer reports

On XXXX I was made aware that my personal information was impacted by the XXXX data breach of XXXX, and consumer filed a police report for Identity Theft on same day. I disputed with Transunion online regarding fraudulent and inaccurate data and accounts being reported on my consumer report. 

According to 12 CFR 226.13 ( d ) ; I submitted a written Notice of Error and Requested Investigation the statue give the consumer the right to withhold a disputed amount and collection action in prohibited until the matter is resolved. 

Transunion continued to report this account despite my verbal and supporting notarized documents evidencing the reporting violation. 

On XXXX consumer received an update report with fraudulent accounts still reporting. 
On XXXX I called in to speak to Transunion rep to remove existing inaccurate data. 
On XXXX I received consumer report with updated data but fraudulent accounts still are reporting. 

According to 15 USC 1681 C-2 the Blocking of my personal information resulting from identity theft was to be a duty of Transunion ; and my rights were violated by not acting in accordance with FCRA ; which is a breach of contract. The Consumer Reporting Agencies have a duty to protect the consumers privacy. It has been an upsetting 6 months as the consumer has been embarrassed publicly by receiving denials of extension to my credit. 

Transunion is listing my payments as late under an open ended consumer credit plan which is against the 15 U.S. Code 1666B law. Under 15 U.S. Code 1666B it states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I called the company and spoke with representative who stated the company can not remove the late payments from the account, but the credit bureau could. I still have not received remedy or resolution In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC1681 section 6 o 2 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B.
Product: Credit card or prepaid card

misinformation that was given to me by American Express customer service. I had fraud activity on my checking account a day after I submitted payments to my Amex Platinum card. I was told I could not cancel the payments even though we knew it would het returned due to my checking account being frozen. I was assured that nothing would happen to my account and I would be able to make payments to my account today. I was denied reinstatement and i am very frustrated because this could have been prevented if I was provided the right information.
Product: Credit card or prepaid card

Some time ago, Chase is running a promotional offer : Purchase things from XXXX online or in store and get a 10 % bonus cash back. To take advantage of this Chase offer, I used mt Chase credit card ending in XXXX and purchased one item from XXXX ( transaction posted on XX/XX/2021 ; Reference number : XXXX ; Transaction amount : {$350.00} ). After that, I did not get the 10 % cashback, and Chase suddenly closed my account from their end. I contacted Chase asking for the 10 % cashback, and they told me that they could not give that to me because my credit card had already been closed by Chase. However, in the offer terms & conditions, Chase never mentions that once an account is closed, the 10 % bonus will not be issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Equifax dated XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor If you do not authenticate these accounts, I will take legal action against you. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Synchrony Bank, who handles Paypal Credit, has over the past 4-6 months been taken to the XXXX  concerning errors in billing in statement. They have continued to make corrections but this has gone on for too long. They automatically get a payment from my checking account each month however this month they did not. When I went to check the website to make sure the auto payment had been taken, they had flagged an alert letting me know " I '' had not made a payment on XXXX XXXX. I called on XX/XX/2021 and addressed it. The interest fee and late fee along with payment is not my error but theirs. Why? They do auto pay for 12 months on purchase made at ebay. At the current time there are other disputed charges. I have kept documents concerning charges and they have yet to fully resolve all disputes. I had told them I would continue to escalate this matter if necessary. After them not having did the auto pay for XXXX, I am now questioning their integrity as a Financial Institute in serving the public. The Small Claims Court encourages complaints to be made to the Business and at this time I am now taking the complaint to you.
Product: Debt collection

Description of Complaint : Response to Letter dated XX/XX/XXXX This debt has not been validated. It is not mine and Allied Interstate is required by law to correct all negative credit reporting related to this reference. I requested validation from Allied Interstate in a letter dated XX/XX/XXXX and they did not provide. No further contact by Allied Interstate or any of their agents will be permitted.
Product: Debt collection

Originally, XXXX XXXX XXXX said my bill/loan was on hold because XXXX failed to fulfill services. They said after XXXX  days that my account was taken off hold and sent to a debt collector. I never received my ending retainers or my XXXX  dental check-up. Now I am getting calls, letters, and emails from a debt collector XXXX, saying I owe {$1300.00}, but I never even received most of the services, nor finished my dental plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$80.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I send a Certified money order through my bank to the lender. They say they did not receive it in XXXX but the letter sent to me saying they did receive it but they didn't know where to put it at. And my account was right on the letter. II call they say they return to check I never received it. I can not get the money until 90 days before I can go to the bank to cancel it. The manager who I call XXXX XXXX, ( XXXX ) she could not help I told her find the check. and not put me down as Delinquent. I PAY EVERY MONTH WITH A Money order from the banK Now it's a problem.
Product: Credit reporting or other personal consumer reports

I requested bankruptcy be removed from all three credit reports and from suppressed by XXXX XXXX as the courts don't verify as per the email I submitted to them. This information is not verifiable. 

Request has been submitted in XXXX once, XXXX twice and I just requested in XX/XX/XXXX and sent this past XXXX via certified mail. I have not heard back from them since the last communication. I included the letter provided to me by the courts stating they do not verify information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked over my credit profile an seen invalid information in my file with Experian. I am disputing all incorrect information on my credit report to fix my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/XXXX and have not received a response. I have been disputing this for months with no response. I feel as tho I'm being taken advantage of. I DEMAND these accounts be deleted from my credit report immediately! Also, XXXX XXXX XXXX has not provided proper validation of these accounts! I attached what they sent and this is not validation of these accounts that they're reporting to Experian. They are supposed to send me a signed contract with my SIGNATURE! They're in violation! Experian is in violation as well. Also XXXX XXXX XXXX is reporting different amounts on these accounts to Experian and the letters they sent me say a TOTALLY DIFFERENT Amount! THIS IS A VIOLATION!!! Also, XXXX XXXX XXXX DID NOT send anything for 2 of the accounts. I never received anything for those. I have attached the letters and what is being reported to Experian. Experian is supposed to make sure that what is being reported is ACCURATE! PLEASE REMOVE ALL ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

Received letter of {$11000.00} open credit balance first time from NY base debt collector company address with XXXX XXXX phone number and again today received letter from Debt Relief XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, Massachuetts This is total harrasment.
Product: Credit reporting or other personal consumer reports

I recently checked credit report and saw my inquiries and Equifax has been running my credit without permission. Equifax has ran my credit more than 100 times i have all the pictures saved to my phone. Equifax has been doing this to me for years and the only way i found out is I applied for a XXXX loan and got denied. 

Only inquires i should have on my credit report is .... 
XXXX XXXX XXXX XXXX XXXX there should be no other inquiries hard or soft
Product: Credit reporting, credit repair services, or other personal consumer reports

I started contacting the company asking for validation of this debt letter dated XX/XX/2017 the collection company wrote back say that the debts are being validated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I sent a letter back to them asking for an update on my validated debts because it had been past 30 days and i have n't received an update. On XX/XX/XXXX they sent a letter deeming my request for validation as irrelevant and frivolous. They had already started the investigation gave me no information to prove this debt was valid
Product: Credit card or prepaid card

Had a Doctor a ppointment, amount charged was not covered by my insurance, the admin suggested to open  " Credit Care Card '',  with no interest payments for 18 months.   My balance was {$1600.00} and at {$100.00} per month I thought no problem. Just recently had unexpected   XXXX    expense which I was able to put on the card. This brought the balance up by a couple hundred, ag ain I thought no problem. The invoice I received in  XXXX  and  XXXX  indicated to pay balance in full to avoid interest charges. Because my balance was so low, I did not think much of this. However my  XXXX  bill the interest applied was more than the balance I owed!
Product: Money transfer, virtual currency, or money service

Two or three years ago I searched XXXX for a free credit report. Credit Karma being a known institution, naturally I entered Credit Karmas website. Upon entering the information being asked of me, a pre-approval notification appeared. Within a few minutes my application was approved, a deposit was made and an account was open. The account was used fairly often until a new account become my primary. After starting a new job the decision was made to use credit karma for direct deposit. After the first deposit was made on XX/XX/XXXX for the amount of {$250.00}, a transaction and withdraw attempts was made with a credit karma card without success. Credit karma was contacted immediately. Without notice credit karma closed my account due to lack of usage. The direct deposit went to the save account instead. Upon several attempts to transfer the funds to an external account, after days of speaking to different credit karma associates, I was still unable to access funds. On XX/XX/XXXX the decision to close my save account in hopes of solving the issue. Several days later still no access to funds that are in my save account. It was said that a paper check was sent to the address on file on XX/XX/XXXX, and allow 7-10 days for processing. After receiving an email on XX/XX/XXXX stating that the paper check was sent back. Once again credit karma was contacted. Today XX/XX/XXXX I still have yet to have access or have received my funds. This report/ complaint is in hopes of receiving help to collect money that is owed to me. Other wise Im afraid Ill never see my funds that were direct deposited into credit karma save account.
Product: Checking or savings account

Repeated fraudulent withdrawal to my account and they are making me wait to dispute them. Did not flag as fraud until it was $ XXXX