23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request.
Product: Mortgage

On XX/XX/XXXX a request was put in to get a pay off letter. 

On XX/XX/XXXX yet another request was sent in for a pay off letter. 

On XX/XX/XXXX yet another request was sent in for a pay off letter. 

Several phone calls where made after XX/XX/XXXX and I get told that they have received it and it is locked in and would be receiving it from a week from XX/XX/XXXX which would have been by XX/XX/XXXX. 

I called on XX/XX/XXXX at XXXX pm mountain time asking for the letter and was promised that I would receive it no later then there end of the business day. 

On XX/XX/XXXX no letter was received regarding my pay off letter. 

Called on XX/XX/year> and was told that they are still waiting on a response from the pay off department.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX XXXX has reported my account to the credit bureaus XXXX and TransUnion. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. 

I previously held a secured credit card with XXXX XXXX, backed by a {$1000.00} deposit, to help build my credit. During the COVID-19 pandemic, I fell on hard times, and the account was closed with a balance owed of {$240.00}. I later reached out to XXXX XXXX and paid the balance I believed I owed. However, I subsequently discovered that XXXX XXXX had already written off the debt and failed to issue me a 1099-C form, which is required under IRS regulations for canceled debt. This means XXXX XXXX benefitted from a tax write-off while also collecting payment from me, an unethical practice. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. 

XXXX XXXX has also reported inconsistent and inaccurate information to XXXX and TransUnion regarding this account. Specifically, the credit limit has been reported as {$0.00}, even though the correct limit was {$1000.00}. Additionally, TransUnion reports an incorrect high balance of {$1400.00}, while XXXX does not report any high balance. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating XXXX XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. 

These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Product: Money transfer, virtual currency, or money service

Hello, on XX/XX/year> I made a XXXX USD deposit onto XXXX XXXX. I then purchased XXXX of XXXX XXXX and sent it. The transaction never went through and is now stuck in limbo. I then attempted to withdraw my remaining XXXX USD to my bank account because I was having issues with XXXX and did not feel confident using their platform. They then restricted my account for further review and blocked all withdrawals on the account. I need this money to pay bills and for groceries and they are holding it XXXX. They will not let me contact any of their agents through online chat and they will not let me select the call back option for assistance. I sent them an email but I do not know how long they will take to respond. On the restriction it says i will get more information on the XXXX of XXXX. Please help me with resolving this issue. It is not fair that robinhood gets to decide to hold my money from me. They have blocked all account withdraws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I took a loan out for school n XXXX  before I graduated i had to pay fees before i can walk stag which I had paid the school money but after graduating I never received my degree n dental assistance I never was able to get a job because job need proof of completion now im stuck owing money for a career I spent money time on I cant get a job to now the school closed down for fraud.
Product: Checking or savings account

Hello, Im trying to reach someone to help. Because my chime account, has been getting swiped online day in and day out. By the hour and by the minute. Constantly getting Chime Fraud Alerts asking if Ive made any purchases, Ive called multiple times, have changed into on my account, have gotten a new card and they still say its my end. That transactions are going through. I do not have a dime right now. My account is XXXX because I used my spot me. They refuse to look into what is causing this. Its to the point where Im getting texts constantly asking about transactions Ive never even heard of. I believe that Chime, like XXXXXX/XX/XXXX has had a breach in security and doesnt want to do a thing about it. Im getting frustrated because Im being told its my fault and all they want to do is continue to send me new cards instead of looking into the problem and where my information is coming from.! Please tell me Im not the only one experiencing this.
Product: Student loan

I've called and emailed mulitple times to Nelnet with no resolution. I can not log into my account
Product: Credit card or prepaid card

on XXXX XXXX 2017 an unauthorized account to account or bank to bank monetary transfer of {$1500.00} dollars was made upon my debit card. I summited and action of stop payment and dispute to the company. They said no error was made in their transfer. They hope too resolve the claim in 11 to 45 days.
Product: Debt collection

To Whom it May Concern, On XX/XX/XXXX, I spoke with both XXXX & XXXX XXXX in regards to a collection account placed with CCS for XXXX in which I do not owe. I am requesting a validation of debt in which as XXXX stated on a recorded line I am being charged for canceling before my contract term & that discounts were removed, which is untrue. Im being charged for an additional month in which I did NOT have insurance with XXXX. 

I sent a SIGNED cancellation on XX/XX/XXXX - my policy # XXXX was not cancelled and payment was still auto-drafted on XX/XX/XXXX. 
I called on XX/XX/XXXX and had the policy cancelled, receiving email confirmation on XX/XX/XXXX. They stated that they would refund me for the auto-draft as it was in error. I disputed with my bank because I DID NOT AUTHORIZE the transaction and per my cancellation letter, I revoked all authorizations and contact with XXXX. 
I received another cancellation confirmation on XX/XX/XXXX. 
On XX/XX/XXXX, I received a notification that my payment was not successful which is because I won the dispute with my bank and the funds were returned. I revoked authorization prior to XX/XX/XXXX when the payment was taken. 
On XX/XX/XXXX, I received a cancellation notice for non-payment of the {$180.00} premium for the same policy number # XXXX. It was stated that this policy would be cancelled XX/XX/XXXX but previously, it was been cancelled via both verbally and written communication. I was sent two confirmations of cancellation on both XX/XX/XXXX & XXXX. 
So I was charged for an additional month at the rate of {$180.00} in which I did NOT have coverage with XXXX. 

Who authorized my policy to restart for an additional cancellation on XX/XX/XXXX? I did not. In response, I am requesting full validation and investigation of the cancellation process after I 1 ) sent in written cancellation & 2 ) confirmed verbally on XX/XX/XXXX that my policy would be cancelled. 

I will be needing these items sent to my home : - [ ] The declarations page between XXXX & myself showing where cancellation fees are charged and discounts are removed once the policy is cancelled. 
- [ ] A full file review of my policy with acknowledgement of who authorized policy # XXXX to restart once cancelled on XX/XX/XXXX by me, the Name Insured. 
- [ ] All notes placed on policy # XXXX I have taken the test to write insurance policies and I have worked continuously with my insurance company for 5+ years. I am very aware of what is written in an insurance policy as I create them. 

I am not liable for insurance coverage that I did not receive nor need. I am not liable for a charge that I revoked authorization on and was still processed. 

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

Harley Davidson Account XXXX I am writing to you regarding an account that was opened XXXX XXXX and paid in full for 63 months with more than 98 percent of payments made on time. I would like to discuss an item posted to my credit report regarding this account and request that it be revised. Through the course of the loan there was a late payment in XXXX of XXXX and XXXX of XXXX, I believe they were one day late. The issue was not indicative of how I normally handle credit and I have substantially improved how you handle credit. For the remainder of months over the course of six years all payments were made on time. I have enjoyed being part of the HOG  group and I live around the corner from a dealership that I frequent often and know everyone by first name at the XXXX XXXX XXXX  
I am an avid Harley fan and would love to purchase another motorcycle, I have been sent material from Harley indicating that I am a customer in good standing and to come on back however, with these two late marks in my account it is reflecting poorly on my credit reports causing my score to be low. 
This account has been paid in full. I am requesting that Harley Davidson in  goodwill give me a second chance at a fully positive credit history with your organization by removing the two late payment marks from my credit report with all three credit bureaus. Please let me know if there is anything else, I can provide to support you as you consider my request. Revising remarks is common practice and I am hoping that you value me as a returning customer enough to work with me on this. Statistics show that I am 98 % positive in the total age of this loan that was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
9. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
10. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violatio XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX, Experian, XXXX are consumer reporting agencies, and I am the XXXX. I am aware of the importance of accurate reporting for both consumers and creditors, and I am disappointed that my concerns have not been appropriately addressed. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I need the current ADDRESS that is a NON-MAILABLE ADDRESS removed XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is the only mailable address I can receive correspondence to. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Ive attempted to speak to Experian about having the address removed and they have refused to do so and continue to report inaccurate information after Ive spoken to them. I request Experian immediately report the correct address on my credit report! Thank you!
Product: Debt collection

XXXX   XXXX , with Shaffer Law,  XXXX , has called my place of employment 2 times in 2 days. The first call,  X/XX/17   ,  XXXX , asking for myself-  XXXX   XXXX  . I was on a phone call with a customer. The second call,  X/XX/17   ,  XXXX , he asked to speak to  Human Resources. H e asked the HR person questions, and wanted to know when I started working at my place of employment. I have already entered a dispute on the collection they are looking at. Yet, they continue to call my place of employment. I called  XXXX , and verified his name and correct spelling, and advised him- " I have been receiving numerous calls at work and as I understand it under the Fair Debt Collection Practices Act that is a violation, I will be reporting your agency for this violation. Do not call me at work again. " I am working on my credit and taking care of thikgs as I can, but as I said I had already started a dispute when this  XXXX  called my HR co-worker today. I do not appreciate the harassment and embarrassment at my work, nor is it legal. I want action taken against this company.   Thank you for your time,  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Mo  XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I told/informed XXXX, Transunion, and XXXX to XXXX and or remove these accounts : XXXX XXXX XXXX XXXX XXXX : Account # XXXX ; Opening Date : XXXX XXXX, XXXX XXXX ) XXXX XXXX  XXXX XXXX : Account # XXXX ; Opening Date : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX : Account # XXXX ; Opening Date : XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX : Account # XXXX ; Opening Date : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX  : Account # XXXX ; Opening Date : XXXX, XXXX, XXXX XXXX ) XXXX XXXX  Opening Date : XXXX, XXXX, XXXX XXXX ) AAFCU : Opening Date : XXXX, XXXX, XXXX XXXX ) XXXX : Opening Date : XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX  : XXXX, XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile.

The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Mortgage

Quality Loan Service Corporation - unlawful foreclosure auction of Consumer XXXX home - subject to FEDERAL CRIME! Please see attached COMPLAINT. -- NO LENDER named on alleged Notice of Default and Notice of trustee sale NOW results to THREE ENTITIES claiming ownership of Consumer 's home - simultaneously. Exhibits will be faxed shortly. 

Thank you for upholding Consumer Protection Laws as you investigate Quality 's deceitful and fraudulent practice of stealing people 's homes for its undue enrichment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Product: Prepaid card

I am unable to date any direct action. I contacted the Trust service and she was unable to give me a password re-set link so I can I can change my PW. 
I am locked out of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent annual credit report, I discovered that my credit profile was in ruins and was reporting negatively as if I am a XXXX Consumer. I have many inquires against my social security number that I did NOT Authorized, and I have NO knowledge of said creditor as to how they gain my personal information to submit an inquiry onto my credit profile which I believe is an act of fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

There is 1 alleged debt under my name and credit report with Jefferson Capital Systems. Since the first alleged debt was bought by Jefferson Capital Systems over 5 years ago. I have Requested NUMEROUS times ( via mail, phone ) on the alleged debt that they validate, verify and provide me with the original purchase agreement or contract baring my signature. They have failed to furnish and have ignored my requests for any sort of validation, verification, original purchase agreement or any documentation supporting their claim. Even after that, I have filed several disputes with all 3 credit reporting agencies and in each dispute they have illegal modified what they are reporting to the credit reporting agencies to work in their favor of the disputes. They have not followed FCRA, Violated the law, and have violated my rights as a consumer. Their failure to adhere to the law and the FCRA has caused me great financial harm and difficulties.
Product: Money transfer, virtual currency, or money service

Paypal permanently limited my account just under 180 days ago. They said after the 180 days they would release the funds ( {$3100.00} ). On XX/XX/2021 they transfered the money to themselves and zeroed out the account. The following was the only note, '' {$3100.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. '' I didn't violate anything and they said they were going to release my money after 180 days back to me.