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

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and inaccurate personal information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureau. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. XXXX XXXX XXXX # XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like I'm being followed by either visa or XXXX. XXXX XX/XX/2013 via the XXXX ( XXXX Kentucky XXXX XXXX ) when I had been under the impression I qualified for a 30 day XXXX XXXX XXXX XXXX ( in the form of a XXXX ) I worked at XXXX at the time. I hadn't at the time had a credit card. Since Ive had some major health issues, I've only now been able too get in touch with a company called XXXX ( via airline travel. ) As an attempt too reconnect with my employer. On account of Wondering how I had come too know XXXX initially. I'd come across an opportunity too open an account with chase again, and a chase XXXX themed credit card, I could swear looked specifically for me. I've found myself at rock bottom w/no credit history, collecting debit cards as long as I know their activated in the back of my mind. XXXX XXXX requires payment from me.
Product: Student loan

I have been awaiting a manual recount of my number of eligible student loans payments for PSLF since  XX/XX/XXXX. It was estimated that they are off by at least 9 payments and this significantly impacts my PSLF eligibility date.
Product: Checking or savings account

I have Venmo. I transferred my rent to my XXXX account in the amount of XXXX. They said it was suspicious and wanted me to send them a photo ID. I did verify my ID and than they deactivated my account and is holding my money for XXXX days. They wont give me my money
Product: Mortgage

On XX/XX/XXXX/2019 I received a noticed that Mr Cooper my mortgage company had done a escrow analysis and was inform that my escrow was short {$470.00}, per there noticed it stated that I had till XX/XX/XXXX2019 to pay that amount to avoid my monthly payment increasing. The money was paid on XX/XX/XXXX19,  when I called on XX/XX/XXXX19 the representative told me that I would have to wait till XX/XX/XXXX19 for my account to reflect the adjustment. I called today XX/XX/XXXX19 to question why my account didnt reflect the adjust and I was inform its because the escrow shortage was actual {$900.00}. However, there is no documentation they can provide me even with my online access.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX, XXXX  - ACCOUNT # XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX- ACCOUNT # XXXX XXXX XXXX-ACCOUNT # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX  XXXX- ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX- ACCOUNT # XXXX XXXX. XXXX XXXX XXXX- ACCOUNT # XXXX FRAUDULENT INQUIRIES XXXX INACCURATE NAMES XXXX. XXXX XXXX XXXX INACCURATE ADDRESSES XXXX. XXXX XXXX  XXXX XXXX XXXX  XXXX NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX NY XXXX INACCURATE EMPLOYMENT XXXX All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud, I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX, XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

On XXXX XX/XX/2023 Contacted river valley loan.. 
. 
https : //rivervalleyloans.com/ Mon, XXXX XXXX, XXXX was approved for {$970.00} usd.. 
Rep said would be made in 16 payments of XXXXabsurd but was in a tight situation for RENT and said i could call 3 days before due date to avoid interest.and pay the amount of XXXX usd aprox '' to close the loan*****i agreed **. after i got the approval and money was sent i got a new email approx. XXXX XXXX, 2023, XXXX but this had 32 payments!!! not 16 i called today on a recorded line and explained this was not explained, agent XXXX '' apologized and said the other rep misspoke!??? how do you confuse 16 payments with 16 months 32 payments??? this is criminal i said i can pay the loan back XXXX or so***today and avoid the XXXX interest charge on the XXXX of XXXX he said the money was already in process???? but the poly said i can call 3 days before.. 

this is absurd and Blatant Fraudulent Activity, i regret every calling them. i've had loans payday loans before '' uwallet '' and others and all have been paid 100 % % with no issues this company is a FRAUD ive never regretted anything more.. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, obligates us to remove any incorrect accounts from my credit report. Could you check the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Payday loan, title loan, or personal loan

For a {$1000.00} payday loan they added a one time loan fee of {$1400.00} If I want to pay loan in full I have to pay the fee They will not accept the principle in full without the added fee which is more than the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Several items on my credit report do not belong to me. I do not recognize them ; I had to file an identity theft report due to unauthorized accounts and charges on my credit report dating back a few years. I have tried to contact the creditors and the companies on several occasions. They have not removed or tried helping me at ALL. I can't do anything, and it has ruined my life up to this point. I need help. These Ceridtiors are not trying to help and keep giving me the runaround. Here is a List of items. Someone or multiple someone using my identity have managed to rack up. It shows on my report that one of my addresses is in NEVADA. I have never lived in Nevada, XXXX XXXX, or anywhere. I have only lived in one state and it's south. Please HELP XXXX XXXX : OPENED on XX/XX/XXXX. They marked it over 120 days late. {$700.00} XXXX Bank : Opened on XX/XX/XXXX Collection/Chargeoff {$2500.00} XXXX Opened on XX/XX/XXXX Collections/Chargeoff {$460.00} XXXX XXXX  : Opened on XX/XX/XXXX marked a Derogatory {$450.00} XXXX  Opened on XX/XX/XXXX {$380.00} XXXX XXXX XXXX Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX collections/ Charge off {$170.00} XXXX XX/XX/XXXX Collection/Charge off {$940.00} XXXX XXXX XX/XX/XXXX Collection/Chargeoff XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting a balance of {$8400.00}. The full amount was paid, and posted, to my account on XXXX/XXXX/2022 leaving me with a credit of {$80.00}. 

A statement showing a XXXX  balance was generated ( attached ) and a check for {$80.00} was issued and received, yet my credit report still shows this card with an {$8400.00} balance on a card with an {$8500.00} limit. 

This negatively impacts my credit score and despite disputing this and calling the bureaus and XXXX  - nothing has been updated in nearly 3 months.
Product: Debt collection

Comenity Bank is attempting to collect a debt that I do not owe, and have communicated that I refuse to pay pursuant to 15 USC 1692c.
Product: Debt collection

I believe this is credit card debt. This is 1 of 2 accounts they continue to harrass me about. Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Product: Student loan

On  XX/XX/XXXX I mistakenly made a duplicate payment online to Navient. I called Navient the next day to request a refund of the duplicate payment in the amount of {$250.00}. The customer service rep informed me that it would take five to 10 business days to receive my refund. When I had n't received the refund by day eleven, I called Navient again. This time the customer service person told me that it usually takes 12 to 14 business days to receive a refund. I waited and when I still had not received my refund by day 15, I called Navient a third time. This time the customer service person said that it usually takes 30 to 60 days. I told her that I had received two different responses when I called previously and that there is no way that it should take that long. She put me on hold to speak with her supervisor and then told me that they would have to issue my refund in the form of a check. I then asked to speak with a manager because I felt like I would never receive that check and my refund should have already been processed. She put me on hold once again to speak with her supervisor and then told me that my refund would be sent directly to my bank account and I should receive it within 5 to 7 days. I gave her my account information and she gave me confirmation #  XXXX . I requested a refund on  XX/XX/XXXX  and it is now  XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

A corporation called XXXX shared non-public information on with a non-affiliate third party pursuant to 15 U.S.C. 6802 and did not give the consumer the option to opt out of having non public information reported to TransUnion which left a hard inquiry on the consumer report and violates the XXXX XXXX XXXX XXXX. 

Such malfeasance of office also violates 15 U.S.C 1681b ( a ) ( 2 ) - ( a ) 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.

15 U.S.C 1681a ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

15 U.S.C 1681a ( f ) proves that the financial institutions and the consumer reporting agencies are conspiring against the alleged Consumer and is extorting the alleged Consu
mer out of extension of credit.
Product: Debt collection

I sent in a dispute letter on XX/XX/XXXX to verify my medical debt and received no word back on if the debt was actually validated sent another letter today again to get some more information, but it has been well over 30 days and I have had absolutely no word.
Product: Student loan

I refinanced my private student loan from Firstmark services to XXXX. XXXX XXXX  then sold the loan back to Firstmark services. My current monthly payment is over {$600.00} a month. I can not pay this amount and contacted Firstmark. I was tld that I am not eligible for any help at this time. I am now behind on my payments by several months after losing my job in XX/XX/2018. Firstmark continues to call me demanding payment however they are not willing to offer any affordable solutions. I am also accruing late fees that are astronomical as well as ridiculous high interest. My initial loan was under {$40000.00} and now is over $ XXXX.Is it any wonder there is a student loan crisis in this country. I was told that even if I make a small payment each month my loan will still default.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX - XXXX - {$8600.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

In XX/XX/XXXX, in South Carolina, I was involved in a motorcycle accident. I had full coverage on my motorcycle, provided by XXXX. I am also a XXXX XXXX and was at the time of the accident as well. I was transported to the emergency room by ambulance, in XXXX, SC. Instead of XXXX XXXX XXXX XXXX charging either my XXXXXXXX XXXX coverage or my motorcycle insurance, they charged me. I have been at bat with this company for the last XXXX years. Most recently on, or about XX/XX/XXXX, I had a XXXX XXXX representative speak to " Receivable Solutions '' on my behalf in a conference call with myself, the representative, and the agent from Receivable Solutions. 

The agent, who would not even give me his name, told me that they billed me. The XXXX Affairs confirmed, they never received a bill. If they had received the bill at the time, it would have been paid. The VA representative asked for this " medical debt '' to be taken from my credit report, due to the billing issue caused by " XXXX XXXX XXXX XXXX '' and not me, the XXXX XXXX. The other reason was the age of this medical debt. 

The agent was probably one of the most rude individuals I have ever had the unluckiness to speak to. He would not budge, from where Receivable Solutions was standing. He insulted me and the representative from the XXXX XXXX XXXX. This was a billing issue with the XXXX XXXX XXXX XXXX, they could have easily billed my insurance or billed the XXXX Affairs. I was just in a XXXX XXXX, I had no control over what paperwork that needed to be filled out. I had no cognitive function at the time to be capable of fixing this discrepancy. Since then, I have tried my hardest to get this off my credit report. I had not XXXX, but XXXX fail safes in place for medical at the time of this accident. INSURANCE VIA XXXX and XXXX XXXX VIA THE XXXX XXXX. They billed me, a XXXX XXXX Instead of billing my XXXX XXXX benefits or my motorcycle insurance. I want this resolved, it has held me back long enough. 

They are now saying my taxes will be garnished for not paying the medical bill. This was their own fault for taking advantage of an individual who was just in a XXXX XXXX and could not speak. You would think if an individual comes into an XXXX XXXX  via XXXX, they would assume that the person had at a minimum vehicle insurance. A XXXX XXXX, who signed the blank check, has a medical bill issue and is getting harrassed every day, I guess this is the America my brothers died for.
Product: Payday loan, title loan, or personal loan

I applied for a loan on XX/XX/XXXX and was approved for a XXXX dollar loan. When the first payment was due, I received an email noting there was a {$300.00} fee and I had to give them 2 days notice if I wanted to pay anything on the loan. I thought the XXXX was the loan and interest. I could not pay more and was charged in the exact same method agin two weeks later. I was able to borrow money from my mother and laid the loan off in full. I paid it off in less than a month and the {$1000.00} loan cost {$1600.00}. I assumed that payday loans of this type were illegal in Minnesota and should have asked more questions possibly, but they are taking advantage of those needing a short term loan and isnt right. Luckily I could pay it off, but even so, thats a 60 % interest rate and had I not been able to make the total payments, the loan would have cost over {$8000.00}.
Product: Credit reporting or other personal consumer reports

Camacho auto sales still shows on my credit both my social and ID was stolen. A car was purchased in my name. I reported it to the credit bureaus. They reported a fraud of my account and it was supposed to be taken off on all three bureaus. It was taken off on XXXX XXXX and XXXX it says close on my XXXX, but it still showing on my credit on my XXXX and its hurting my XXXX XXXX under excellent 605B this is wrongfully on my credit and I am asking for you guys to take it off.
Product: Checking or savings account

I filed a dispute because had XXXX stolen out of my account and finally won the dispute but I no longer have a chime account so they said I can't get my money back so I asked them to open a new account and they said they can't and I won't be able to get my money back. That was the start of my financial downfall and I ended up having to file bankrupcty. I asked them to take out the XXXX dollars my account was in the negative for but they said they can't talk to me about anything else just that I won't get the money back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Trans Union XXXX XXXX Account names : 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  and XXXX  XXXX XXXX XXXX was " NOT DERIVED FROM CREDIT TRANSACTIONS. '' ***** - 15 USC 1681 section 602 A states that 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 my written instructions. -15 USC 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then seven years. - 15 USC 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 any reasonable cause to believe that the information is inaccurate. ***** XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX XXXX XXXX " NOT DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on both accounts " *****
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX  


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Money transfer, virtual currency, or money service

I opened a dispute on PayPa CASE ID XXXX, reporting an unauthorized transaction. Exactly four hours later, I received the message that my claim was denied, and they did not discover any unauthorized transaction. 

This seems a very fast response, considering they said it would take up to 10 days to investigate. I phoned PayPal and a representative told me that my case was closed, but they would escalate it, and, if I wish, I could take the matter up with the local police. 

Within 30 minutes, I received an email that PayPal had again denied my claim, and they added that Based on our review, we found this transaction is consistent with your PayPal payment history. 

I use PayPal sparingly, never above {$100.00}, and only from my home computer. So, the transaction in question was certainly not consistent with my history. 

It seems to me that all this has gone too fast. I do not believe PayPal really investigated my claim. If it had, then it would have found the payment was not made from my computer, and, most likely, not from within my country. I would like PayPal to refund my money. Can you help me?