23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing to formally request the discharge of all student loans held by Navient, due to a pattern of deceptive practices, inaccurate information, misrepresentation, and failure to provide proper guidance regarding my student loan repayment options. 

Throughout my experience with Navient, I have encountered several issues that have led me to question the integrity of the practices employed by your organization. Specifically, I have received contradictory and misleading information regarding my loan terms, which has impeded my ability to manage my repayment effectively. 

Moreover, unexpected fees have been applied to my account without adequate explanation, further complicating my financial obligations. I was also informed that I could not release my co-signer from the loan, which contradicts prior communications I received suggesting that co-signer release options might be available. This misrepresentation has caused significant distress and confusion. 

Given these troubling experiences, I believe that the management of my loans has not adhered to the standards of transparency and ethical practice that borrowers deserve. As such, I am requesting a full discharge of my student loans serviced by Navient. 

I kindly ask for a prompt investigation into my account, a detailed response addressing my concerns, and information regarding the process for discharging my loans. I believe it is crucial that borrowers are treated with fairness and respect, and my current situation compels me to take this formal action. 

Thank you for your attention to this serious matter. I look forward to your timely response.
Product: Debt collection

I got calls from different area code XXXX numbers saying that if I do n't call a number they will bring documents to my home or workplace. The voice identified itself as XXXX XXXX and told me to call XXXX XXXX XXXX XXXX. His call originated from XXXX XXXX XXXX XXXX. I 've had calls like this before, and it was quiet for awhile, and now starting up again. I do n't believe I have any outstanding debts, and do n't appreciate them threatening to come to my home or work. Please look into this for me. Sincerely, XXXX XXXX ( XXXXXXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Transworld Systems Inc. 
XXXX XXXX XXXX XXXX, DE XXXX Subject : Debt Validation Request Account # : XXXX To Whom It May Concern, I am writing in response to your recent communication regarding a debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting validation of this debt. Please provide me with detailed and verified information about the debt to ensure its legitimacy and accuracy.

Additionally, I want to inform you that I believe this account may be fraudulent and not mine. As such, I request a thorough investigation and verification of the account to confirm whether it is legitimately associated with me. 
Specifically, I request the following information : 1. Validation of the debt : Provide the name and address of the original creditor, along with a detailed accounting of the debt, including the original amount, any interest, fees, or charges added, and the date the debt was incurred. 
2. Proof of your authority : Supply documentation that confirms your legal right to collect this debt, including a copy of the agreement between your agency and the original creditor, if applicable.

3. Verification of my obligation : Provide a copy of the agreement or contract that forms the basis of the debt and includes my signature, if available. 
4. Any judgments : If there are any court judgments associated with this debt, include certified copies.

5. Proof of account legitimacy : As I suspect this account may be fraudulent, please provide documentation verifying that the account is indeed mine and was not opened or used fraudulently.

This request is not a refusal to pay but a notice that your claim is disputed. Until you provide the requested validation, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. If the debt has already been reported, please inform the credit bureaus that the debt is in dispute until it is validated. 
Additionally, please note that any further communication regarding this matter must be in writing. Phone calls or other forms of harassment will not be tolerated. 
Please respond to this request within 30 days of receipt of this letter. If you are unable to provide the requested validation, I expect you to cease collection efforts and confirm in writing that the debt has been discharged. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to file a formal complaint regarding unauthorized actions taken by bank of Montreal also known as BMO regarding my account. On XX/XX/2024, I took the decision to close my account, ensuring that all funds were withdrawn and no further transactions were authorized. However, to my dismay, on XX/XX/2024, I discovered that my account had been inexplicably reopened without my consent or authorization. 

This unauthorized reopening of my account led to subsequent transactions being allowed to go through, resulting in the account being overdrawn. As a result, I have incurred significant overdraft fees, which I firmly believe I should not be responsible for, as I had taken the necessary steps to close the account and cease all activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

The continued presence of inaccurate information on my credit report has caused significant financial harm and emotional distress. Misrepresentation of my personal and financial details constitutes a serious violation and an act of fraud. This has misled creditors, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial health. Rectifying these issues has been an ongoing and stressful process, further eroding my trust in the credit reporting system.

Moreover, the persistence of these inaccuracies despite repeated disputes suggests willful neglect and financial coercion. This refusal to correct false information not only exacerbates my financial challenges but also inflicts undue emotional strain. These actions represent a disregard for my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which are designed to protect consumers. The harm caused extends beyond financial losses, significantly impacting my daily life and mental health.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On today I received a disturbing call from Wells Fargo with them once again trying to convince me to discontinue the current Mortgage Assistance with the State of Pennsylvania. And involve myself in their price gouging Mortgage Assistance without any Pa State Assistance. The agreement is once the {$50000.00} is applied then a loan modification will be worked out only concerning the rear balance. Then on today I gets an email stating that I has 3 days to respond in sending more documents however this wasnt stated to me over the phone and they has refused to send me document proof. Well as get back in touch with XXXX XXXX from the Pa. State Mortgage Assistance Program . Please take the time out and review the documents. And since Im out of Foreclosure. Why is my residence still on the Sheriffs Sale Listing for XX/XX/year>? These are nothing but scam and fraudulent activities coming from Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent thousands of dollars in time and money to correct the fraudulent, mailed letters, hired credit repair companies and i still show errors on my credit account with NO success, I have place fraud alert, freeze accounts and still having fraudulent transactions ADDED to my credit accounts. I have mailed a copy of my deification and ss card as proof of my address, Name and the credit account are still showing my personal information as INCORRECT, TransUnion, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Based on my request for a reinvestigation of the account reported by XXXX XXXX XXXX on my consumer report, several key legal provisions are relevant, including 15 U.S.C. 1681a ( e ), 15 U.S.C. 1681i7, and 15 U.S.C. 1681g. 

1. **Verification Process** : I have the right to know how the account was verified and whether information solely from the alleged creditor was used, as per 15 U.S.C. 1681a ( e ). This provision outlines the parameters for investigative consumer reports and specifies that information obtained directly from a creditor or consumer reporting agency does not constitute an investigative consumer report. 

2. **Description of Investigation** : 15 U.S.C. 1681i7 mandates that the investigation be accurately described in its entirety. Any discrepancies in this description may indicate a failure to comply with the law. 

XXXX. **Disclosure of Information** : Under 15 U.S.C. 1681g, you are entitled to all disclosures of information on file, including the original contract with your wet ink signature and the XXXX disclosure forms mandated by 15 U.S.C. 6802. 

Given these legal requirements and your assertion of the account 's fraudulent nature, you demand the immediate removal of the account from your consumer report. Failure to provide the necessary disclosures and evidence to support the account 's validity would constitute a violation of consumer protection laws and necessitate its removal.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report as provided by TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report. To this date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$96.00} Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX  ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

Based on 15 USC 1681i ( a ) ( 1 ) ( A ), asserting that the information reported is inaccurate, incomplete, or unverifiable, which violates your rights under the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following fraudulent accounts and inquiries that remain on my credit reports with XXXX, XXXX, and TransUnion. Despite my previous dispute and the submission of an identity theft report, these items have not been removed, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and continues to harm my credit profile. 

The following accounts must be removed immediately : XXXX XXXX ( Account : XXXX ) XXXX, XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TransUnion Additionally, the following unauthorized inquiries should be deleted as they were made without my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Under 15 U.S.C. 1681c-2, I have the right to block fraudulent information from my credit report by providing an identity theft report, which has already been submitted. The failure to remove these items is a direct violation of federal law and my consumer rights.

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against XXXX for failing to properly investigate consumer disputes and reinserting inaccurate information into credit reports. Your failure to comply with my dispute request suggests non-compliance with federal regulations. 

I demand the immediate deletion of the above-listed fraudulent accounts and inquiries. If these items are not removed, I will escalate my complaint to the CFPB and pursue legal remedies. Please provide written confirmation that these items have been deleted from my credit reports within the legally required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was deemed as a total loss and paid off by insurance and gap insurance
Product: Credit card or prepaid card

1 ) Capital One charged me a {$15.00} late fee on XX/XX/XXXX and a {$15.00} late fee on XX/XX/XXXX. Capital One failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$54.00} for the late fees AND credit me for any interest accrued due to those late fees.

Please note, I did not sign up for paperless statements for those  billing periods. On XX/XX/XXXX I mailed a letter to Capital One formally requesting that they stop paperless billing and that they mail me my billing statements. I am attaching this letter to the complaint. If Capital One disagrees with my complaint, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with
USPS, XXXX, XXXX, or a certified mail receipt. 2 ) In addition to this, I obtained refunds from several
companies for returning merchandise. {$29.00} refund on XX/XX/XXXX, {$380.00} refund on XX/XX/XXXX, {$29.00} refund on XX/XX/XXXX, {$480.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$270.00} refund on XX/XX/XXXX, and a {$180.00} refund on XX/XX/XXXX. Normally if I were to dispute the charges and the merchant refunds the transactions, XXXX XXXX would remove the interest charges associated with those transactions. Because I was working with the merchants to resolve my issues, XXXX XXXX would not accept a dispute as they request that the credit card holder attempt to work the issue out with the merchant before disputing the transaction.

Please provide a credit for the interest charges associated with these charges that were refunded.

Please note, I am requesting a refund for the late fees, interest charges associated with those late fees, and interest charges associated with the charges/transactions that were refunded by the merchants. Thank you.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aprroved for a discharge XX/XX/2018 with Department of Education. I have had all my XXXX loans paid in full and, closed being reported to all three credit agencys. The last loan I had was with XXXX. I spoke to XXXX after all loans were paid, and was told my loan would be reported as, closed, and paid. XXXX still has not reported to all 3 credit agencys about my loan being paid off by XXXX XXXX XXXX XXXX. This is effecting my credit score, and I told them it was they said they would report it as, paid and, closed. This is a 9 almost ten year old student loan that has been paid, and should be reported that as, FCRA Rules. I have tried to work this out with XXXX but, have not gone very far. I do not understand why they have reported inaccu info to my credit report, but it is illegal to report such.
Product: Checking or savings account

On XX/XX/2021 I deposited a check in my Legal Name from XXXX XXXX XXXX into my Chime Spending Account and later in the afternoon they denied the deposit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> it's been 60 days and they haven't reponded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am victim of equifax data breach. XX/XX/year> i send a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed. From my report as per FCRA section 611A. 
I surely was a victim of the equifax date breach
Product: Debt collection

For the last couple years this company submitted claims to credit companies, and it has been removed because it doesn't not belong to me and i have no knowledge of this. My credit report has lost major points for something that doesn't belong to me.