23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My federal student loan was forgiven, as of XX/XX/XXXX. My EdFinancial account online shows they added {$2300.00} dated XX/XX/XXXX to my account balance, and then show a claim payment dated XX/XX/XXXX of {$3400.00}. My student loan account balance was approximately {$1000.00} in XX/XX/XXXX. 

I emailed EdFinancial customer service on XX/XX/XXXX inquiring about a refund of the overage they were paid to close out my account. They responded on XX/XX/XXXX informing me my loan was discharged and to reach out to Federal Student Aid for information about a refund. Further, EdFinancial claimed a refund amount and approval would come from Federal Student Aid.

I contacted Federal Student Aid and received an email from them dated XX/XX/XXXX telling me to contact my loan servicer to inquire about the refund. 

I contacted EdFinancial once again on XX/XX/XXXX and XX/XX/XXXX inquiring about the overpayment and refund. I have not received any further follow-up from EdFinancial. 

EdFinancial gives a chat feature on their website to contact them for assistance but it doesn't work. I've been on hold for hours trying to speak to somebody and only get a chance to leave a message. 

I'd like an explanation on why EdFinancial was paid more than I owed to pay off my student loan and why they won't refund the overage of payments. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some hard inquires that I don't recognize. 

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

In accordance with the fair credit reporting act XXXX Account. XXXX  XXXX and XXXX XXXX XXXX XXXX, has violated my rights. They are showing past due payments. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for and purpose.
Product: Debt collection

I filed a complaint previously about the same scam from the same companies and I thought you had gotten it taken care of. 
I received a new letter in the mail today XX/XX/2019 wanting payment for something I know nothing about. 

Please get to the bottom of these fraudulent collectors and the fraudulent Creditor.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Student loan

When I was on a XXXX XXXX, I was on XXXX but not paid for XXXX months. I contacted whichever company was handling my student loan at that time ( I do n't know for sure that it was FirstMark as my student loan is continually sold to other companies ). I let them know that I was on unpaid leave and asked if they had any options to place my account in a deferred payment status or any options for someone that did not have income. At that time, my account was in good standing. The representative stated they did not have any options for someone with no income. She said I either have to pay it or it would go to collections. I asked again, what options they have for people with no income, as my account is in good standing. She said you either pay it or it goes to collections. 
This is negatively affecting my credit and has negatively affected my ability to gain employment. I would like this item removed from my credit report and the balance forgiven for my XXXX experienced from the negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items are listed below : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

This is a complaint to XXXX, XXXX, and Transunion pursuant to the provisions of 15 U.S.C. 1681i. 

After reviewing my credit reports I noticed that your company are violating the Fair credit reporting act by improperly using my credit reports for the following accounts ; [ XXXX Account Number : XXXX ] [ XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] These accounts are charged off/canceled debt. Because it is canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication XXXX The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT which in fact makes the reporting of this information inaccurate. I provided a screenshot from the IRS website for further evidence. As your company know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). 

This is not only a violation from these companies [ XXXX, XXXX, TRANSUNION ] but it is also a violation from the furnishers of this information pursuant to 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 a reasonable cause to believe that information is inaccurate.
Product: Debt collection

Account Number : XXXX I am filing a complaint against Wakefield Associates for their mishandling of a medical collection that appears on my credit report. This situation involves clear violations of federal laws that protect both my rights as a consumer and my medical privacy.

HIPAA Violation : Wakefield Associates appears to have obtained and used my medical information without my explicit consent or proper authorization, in violation of the Health Insurance Portability and Accountability Act ( HIPAA ).

FDCPA Violation ( 15 U.S.C. 1692g ) : Required debt validation was not provided. Despite my written requests, Wakefield Associates has not provided sufficient documents to prove the validity of the debt.

FCRA Violation ( 15 U.S.C. 1681s-2 ) : Wakefield Associates reported this medical debt to the credit bureaus without verifying its accuracy. In addition, they have failed to adequately respond to my dispute filed through the credit bureaus, which is a violation of their obligation to ensure that the information reported is accurate and complete. 

This issue has created a significant level of anxiety and concern due to the lack of clarity and violations of my rights.
Product: Checking or savings account

Two weeks ago, we applied a checking account on Capital One 's website. However, Capital One rejected our application even though our credit score are excellent. The representative find out the note stating " we don't do business with you '' as the reason. 

This revelation left us feeling deeply discriminated against and concerned about potential bias. 

We strongly believe in the principles of fair treatment and respect for all customers, regardless of their background or circumstances. 

The representative recommended that we write to Capital One 's CEO to address this issue further. We kindly request your intervention to investigate this matter thoroughly.
Product: Debt collection

I have a collection on my XXXX report that is not mine. I tried to disputing it with the company and they said account was verified, even though I have no knowledge of this account and never even paid this account one time.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$450.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Since moving to XXXX XXXX XXXX XXXX we have not been able to obtain the proper information to transfer our car title since lendmark can not provide me with a corporate code. XXXX XXXX  is a paper state that requires a corporate code. It has been over 2 years of trying to obtain this information. A complaint has been filed through lendmark corporate office against the XXXX XXXX  office ( the office that we obtained the loan through ). The car has been sitting here not able to be driven due to not being registered anymore. They are coming after me for {$8800.00} but why would I pay a car I can not even properly register?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : XXXX Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Account was paid XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX   DAYS 15 USC 1681C-2 XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX  DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2 XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX  DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX In addition, please remove all non-account holding inquries over XXXX days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My identity was stolen on XX/XX/2020 by someone that I was dating for XXXX month. While I was sleeping they transferred {$1300.00} through my cashapp to someone that I dont know. This person that stole the money hacked into my phone and changed my PIN number to my account and sent the money. My chime card was attached to my cashapp and they person that stole the money did test transactions to see if the money would go then transferred the rest. I contacted my local police department, XXXX, Cashapp and filed complaint with all 3 credit bureaus. XXXX and Cashapp basically said that the transaction wasnt in error even though I sent them all the information from the case. When XXXX tried to get the money back from Cashapp thats when they closed my account and stated that I violated there policies. Chime based there decision on where my card was located and where my PIN number was located. They didnt even look at the police report nor the information from the credit bureaus.
Product: Checking or savings account

On XX/XX/23 I deposited a cashiers check which is cash. The bank put half my deposit on hold I called and was advised to call back on Tuesday to have the additional funds released when I called back on Tuesday I was advised that the hold would have to remain. I dont understand how a check that is certified funds can be placed on hold for a whole week. Its unacceptable and a better policy needs to be put in place for guaranteed funds. The bank does not have any walk in locations where Im located and should not be allowed to tie up peoples funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a late payments while I was in a military status on duty and did not furnish documents to me pertaining to a late payment.
Product: Money transfer, virtual currency, or money service

on XX/XX/2024 I have initiated an international transfer of USD XXXX from Coinbase to my XXXX XXXX account. 

However, until now, I have not yet received my money. 

From late XXXX to now, I have spend a lot if time asking about the progress and what went wrong. However, Coinbase still have not yet transferred the money to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXXXXXX  From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXXXXXX  Last 4 Digits Of Social Security Number : XXXX Phone number : XXXX Dear Dispute Department, I am writing to dispute some information on my XXXX credit report. The following are the details of my dispute : Dispute 1 : Account Information : Account name : XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX Account number : XXXX This account and balance do not belong to me. I have already sent numerous disputes, an identity theft affidavit, a fraud report, and a police report regarding this urgent issue, but it has not been corrected yet. 

Dispute 2 : XXXX XXXX XXXX XXXX  Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX These accounts and balances do not belong to me either. This is a case of identity theft/fraud, and I have already submitted all the necessary documents to rectify this issue multiple times. The balance listed on this account is incorrect and needs to be corrected. I have already reported this account as a result of identity theft. 

Thank you for taking the time to look into this matter. 

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

this report is to let you know about the situation I have with my credit file some one took al my documents from my car and open fraudulent accounts.