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

I looked at my report on XX/XX/2024 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 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. 

I sent a letter asking them to reinvestigate these accounts listed below because ( US DEPT ED ) open date is not reporting correctly, date last active, date of last payment is not correct, thisn account is not accurate.

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S code 1681 E ( B ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S code 1681 I ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate 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 furniture of that information that the information has been deleted from the file of the consumer
Product: Debt collection

Did not receive anything in the mail from this company, there was no communication at all
Product: Money transfer, virtual currency, or money service

Last Monday XX/XX/XXXX  RobinHood randomly restricted my account yesterday XX/XX/23 I was supposed to receive a refund of {$340.00} from affirm it was declined, and affirm confirmed that the funds were and are still held by RobinHood. Now today XX/XX/23 I was supposed to receive a direct deposit of {$440.00} from my job. This is a reoccurring deposit and there should be no problem with me receiving my money but since my account has been restricted by RobinHood. These funds were also rejected for no reason.
Product: Credit reporting 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 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 and list of Inquiries.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 card or prepaid card

I have always made timely payments on this account, and it is therefore absurd that my account would indicate otherwise. Please update my account to reflect this, as I have always paid on time and it is unacceptable that it should suggest otherwise.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : Account- XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get a straight answer from Experian and XXXX is very difficult. For whatever reason XXXX is much easier to deal with. I had one dispute I put on my credit reports against a company that had inaccurately documented a late payment. The company itself updated the info but to get the dispute remarks off of equifax and Experian I may need a lawyer. I have gotten different answers each and every time I have callled to get the dispute remarks removed. Weeks later eve 24-72 hours to remove dispute remarks is completely false.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, has violated my rights per the following laws : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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, credit repair services, or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows my address : there should only be one. 
Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached a recent copy of my ( Bank statement, utility bill, ) for your verification.
Product: Credit card or prepaid card

I applied for a JetBlue Plus card on XXXX XXXX due to an advertised bonus. On JetBlue website while purchasing flight tickets they advertised XXXX bonus points with a new jetblue card. There was a {$99.00} annual fee and I have never had an annual fee card so myself and my husband called the customer service number to confirm prior to applying. The rep confirmed the terms of the promo were that as long as you paid the {$99.00} fee and charged over {$1000.00} in the first 60 days you would get XXXX bonus points. I clicked the linked and applied for the card and received instant approval. I also took a screen shot of the advertisment and copied the " fine print '' to save for my records. 
I then fulfilled both requirements and contacted Barclays ( the lender of the JetBlue card ) to see if I needed to do anything else. They stated it would automatically be credited after 60 days. 
I noticed I only received XXXX points and immediately contacted them and they then claim that was bonus offer I applied for. I have repeatedly provided all of the documents proving that is incorrect. In fact the promo was widely advertised, even on the flight I took in may, and was still advertised during the period I was disputing and contacting Barclays. I also have several family members that have the same experience ( we were on a family trip so all applied ). Barclays has been unwilling to resolve this issue however I am confident that I took all the steps required. There was NO bonus offer for XXXX points advertised when I applied-I would not have applied. I have great credit and did not need the card the only reason I was willing to pay {$99.00} for the card was because it would be beneficial with the XXXX points which is why I ensured I was understanding the requirements. Please help resolve.
Product: Debt collection

Re XXXX XXXX XXXX ( " MCM '' ). 

In late XXXX, one of my credit cards owned by Synchrony Financial was stolen and roughly {$350.00} of products were purchased with the card before I found out. I filed a fraud claim with Synchrony, which reversed all charges, and also investigated the claim for me. My account with Synchrony is current and has been at all times since that event.

18 months later, XXXX  began attempting to contact me, first by mail, then via literally 100+ phone calls and voicemails, claiming that I owed Synchrony this amount, the amount was not paid, and they now owned the debt and were collecting on it. Having dealt with nefarious collections agencies before, I refused to engage them, knowing that I was and still am under no obligation whatsoever to do so. For more than a month, XXXX agents called me 7 days a week, night and day, using scores of phone numbers ( which I used internet searches to trace back to them every time ) to harass me over a non-existent debt that either ( 1 ) they knew was not real, and thus they were fraudulently pursuing me, or ( 2 ) they acted with gross negligence on, not even attempting to confirm whether the debt was real. ( Even if someone fraudulently " sold '' the debt to them, they still clearly made zero effort to confirm its validity or status when they began contacting me in late XXXX. ) One day ago, XXXX filed a claim with XXXX, alleging I was delinquent on this account. The claim sent my credit score down almost sixty points. I am in the midst of pursuing investment opportunities that involve possible loans, as well as assisting my elderly mother with her own homebuying activity right now. This false impact to my credit report damages me well, well, well in excess of {$350.00}. ( I have already filed a claim with XXXX. ) XXXX is acting fraudulently, or with gross negligence, with respect to the claim for which XXXX  is wrongly attacking me, and, in doing so, XXXX is using what I believe to be illegal, and without question reprehensible, tactics. XXXX needs to be stopped and to compensate me for the damages it has caused thus far. 

Upon request I can produce phone logs, mail, credit report details and historical emails regarding this incident and the related fraudulent charges.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 
1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Debt collection

The company Transworld Systems Inc. sent me a debt collection letter and told me I had to send them evidence the debt was previously paid or not owed. Their letter has 3 separate addresses shown on the letter, two of which indicate responses and correspondence should be sent to those addresses. I believe this is a deliberate attempt to confuse the consumer and therefore claim the consumer did not send the response to the correct address. I will now have to send 3 separate certified mailings in order to make sure they get my response showing the debt is erroneous. I sent the company a message to find out which address I should respond to but got no answer. I will attach a copy of the notification with my name redacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on the accounts below ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CREDIT COLLECTION ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX & XXXX Please remove this account from my credit report. This is not me and it is a problem for me on my credit report. Thank you so much for your help.
Product: Student loan

My name is XXXX XXXX. I am a XXXX XXXX in New mexico. I have severalstudent loans, XXXX XXXXXXXX Unsubsidized and others XXXX  student PLUS all managed by MOHELA after they were transferred there from XXXX XXXX student loans. I am currently in repayment through the XXXX XXXX plan. Over the last few months I have had to contact MOHELA multiple times for a variety of options. They took over XXXX months to process my verificationof employment and get me on the XXXX after applying throughstudentaid.gov. Currently I am enrolled in auto debit, and they have said my auto debit is based on my " old loans '', unclear what this means. I am not able to modify my auto debit amount or cancel my auto debit setting on their website. Calling them results in at least a XXXX minute wait time, and I am often directed to change these settings throughtheir website. Every time I have attempted to do that, or modify the auto debit in any way I get an error message " Your auto debit payment has already been sent for processing. You may come back to request an additional amount change after your current due date has passed. '' Despite wheneverI try to do this. I am also enrolled in the PLSF, and getting my employmentverification through MOHELA has been a difficult task, requiring multiple phone calls and hours of my life. Currently I am trying to pay my loans, last month the lower auto debit loans were not the full payment, and I made the difference 4 days later, and promptly got a message and email that my payment was late. They are quick to demand their money, and slow to offer any assistance. I am reaching out to request any assistance with this. MOHELA is currently in an active class action lawsuit. The amount of loans they service after becomingthe official federal student loan processing company is obviouslytoo much for their capabilities. They clearly care more about their profit than helping student loan borrowers. I appreciate your time and assistance, and patiently await your response.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at XXXX an unauthorized transaction in the amount of {$2300.00} was made from my Cash App account to another. Since then Cash App support has done absolutely nothing to help me with this at all. I have opened a case and attempted a dispute, and even tried to call with no resolution at all yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see the attached documentation to meet my demands in a timely manner. I have never authorized or gave written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is suing and attempting to collect on a debt they are not even associated with. They refuse to provide a Debt Validation Letter and keep telling me to pay them, or they will come after my VA benefits. Those benefits are protected. Its very simple : provide a Debt Validation Letter, and we can go from there. XXXX XXXX is neither the original creditor nor the creditor associated with my account. They are looking at a debt that is either paid off or settled
Product: Student loan

I called XX/XX/XXXX trying to find out why I had not received a billing statement for XX/XX/XXXX. My normal billing date is the XXXX of the month, so I should have received a billing statement by XX/XX/XXXX. When I reached out to Mohela regarding the issue, they stated they did not have enough time to update my account so my next payment would be XX/XX/XXXX. I asked the representative about XXXX as I am pursuing PSLF and XXXX would have been my XXXX payment. The representative said that XXXX would not count towards PSLF as I would not have a payment due. They are forcing me to wait until XXXX to make my final payment, even though the extension into XXXX was no fault of my own. I just want to be able to pay my Jaunary payment so I can submit my Employment certification form for the completion of the PSLF program.
Product: Money transfer, virtual currency, or money service

Subject : Complaint Against Unfair Lending Practices by Wells Fargo Bank and XXXX I am writing to file a formal complaint against Wells Fargo Bank and XXXX regarding what I perceive to be unfair lending practices. My name is XXXX XXXX, and I have been a loyal customer of Wells Fargo for over 20 years. 

Throughout my two-decade-long banking relationship with Wells Fargo, I have frequently purchased Official Cashier 's Checks from the bank. However, never once was I informed that these Cashier 's Checks have an expiration date. Furthermore, nowhere on the Cashier 's Checks themselves does it state an expiration date, nor does the account holder agreement mention any such expiration policy for Cashier 's Checks.

Recently, I attempted to cash one of these checks at my local branch, only to be informed by the teller that the check had expired. The teller herself admitted to not being aware of any expiration date on certified funds. Additionally, despite my attempts to resolve the issue with my local bank, I was informed that Wells Fargo could not assist me in locating my funds. Furthermore, I have not received any written communication from the bank regarding the alleged expiration of my checks. 

I firmly believe that Wells Fargo is not adhering to fair lending practices by failing to disclose any time frame or expiration policy for Cashier 's Checks. Despite my efforts to reach out to the bank for assistance, I have been met with unhelpful responses. To add insult to injury, I recently received a letter stating that my case has been closed with no clear resolution.

To provide context, I have included below the details of the cashier checks in question, along with their respective issue dates and amounts : XX/XX/year> - {$2000.00} ( Issued in District of Columbia XXXX DC ) - Check # : XXXX XX/XX/year> - {$900.00} ( Issued in XXXX XXXX XXXX  ) - Check # : XXXX XX/XX/year> - {$3700.00} ( Issued in XXXX XXXX XXXX  ) - Check # : XXXX XX/XX/year> - {$4600.00} ( Issued in XXXX XXXX XXXX XXXX - Check # : XXXX XX/XX/year> - {$220.00} ( Issued in XXXX XXXX XXXX XXXX - Check # : XXXX XX/XX/year> - {$9000.00} ( Issued in XXXX XXXX XXXX ) - Check # : XXXX XX/XX/year> - {$370.00} ( Issued in XXXX XXXX XXXX  ) - Check # : XXXX XX/XX/year> - {$2600.00} ( Issued XXXX XXXX XXXX XXXX  ) - Check # : XXXX XX/XX/year> - {$8100.00} ( Issued in XXXX XXXX XXXX ) - Check # : XXXX I urge Wells Fargo to investigate this matter thoroughly and provide me with a satisfactory resolution. I also request that the bank review its policies regarding Cashier 's Checks and ensure that customers are properly informed of any applicable expiration dates or time frames.

Thank you for your attention to this matter. I look forward to a prompt and fair resolution to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting 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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I received a notice in the mail that my credit card account was closed XXXX. No reason was given I called the credit card company to find out the reason. They would not give me a reason for the closure. 
I always pay on time and carry a small balance ( approx {$700.00} ) While on the same phone call I was notified that my business credit card account was closed as well, no explanation was given. 
I check my credit report and did not see anything unusual Id like to know why my account was closed so I can fix the issue and prevent problems in the future.