23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I inadvertently overpaid my Bank of America credit card. When I called to get a reimbursement for the overpayment they refused to reimburse me for several days and insisted I would have to call again after 3 business days so they could verify my payment. The payment was already posted from my bank account. Overpayment was {$1300.00}
Product: Credit reporting or other personal consumer reports

I have worked with the credit reporting bureaus, XXXX, XXXX, and Equifax submitting XXXX rounds of dispute letters, and successfully removing some inaccuracies from my credit report. However, the remaining accounts are still fully validated, which is incorrect. According to 15 U.S. Code 1692c, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such. 

These are the accounts that are still reflecting on my credit report that should be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department XXXXXXXX XXXX XXXX XXXX XXXX Tx XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX  is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that XXXX  : 1. Conduct a thorough reinvestigation of the
following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide me with all documentation used to verify the accuracy of the disputed information. 

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. Given the recent CFPB Given the recent CFPB findings, | expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

Experian has failed to fulfill its obligation under the fair credit reporting act to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverified accounts relapsed. The CFPB has realty filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumer of dispute outcomes. These failure align with my experience where experience has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts.
Product: Credit card

Twice now best egg credit card company has charged me a late fee for not paying my minimum payment which has resulted in a late payment fee. Most recently I was charged a late payment fee and of {$39.00} over {$.00}. Why would I not pay then {$.00} and get a {$39.00} late fee? I use their app to make my monthly payment which tells me what my minimum payment due is. Right now I choose to make the minimum monthly payment. I have no control over what that amount is, but twice now when making that payment they come back and tell me Ive not paid enough. How can I account for that???
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XX/XX/XXXX days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XX/XX/XXXX Consumer Financial Protection Bureau, and XX/XX/XXXXwith legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

To whom this may concerns : My wife and I negotiated an apartment lease cancellation fee and subsequently paid a cancelation fee to XXXX XXXX XXXX  in the amount of USD XXXX. As a result, this fee brought our balance to USD XXXX. XXXX XXXX XXXX XXXXncorrectly reported the fee of XXXX to XXXX XXXX XXXX. Subsequently, this has impacted me and my wife 's credit score with Equifax, XXXX, and XXXX. We submitted written request, which included USPS certified mail, to XXXX XXXX XXXX, XXXX XXXX XXXX, Equifax, XXXX, and XXXX requesting to remove the collection balance from our credit reports. 
Action dates : XXXX ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX, Equifax, and XXXX. 
XXXX ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX XXXX XXXX. 
XXXX ). Beginning XXXX through XX/XX/2023, multiple attempts made to XXXX XXXX XXXX  to correct the issue they initiated. No response. 
XXXX ). On XX/XX/2023, my wife and I re-ran our credit reports to see if dispute was resolved. As of XX/XX/2023, the dispute is still active. 

Additional details available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XX/XX/2022 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts.

XXXX  {$4300.00XXXX XXXX XXXX XXXX$16000.00}
Product: Credit reporting

I have requested my credit report many times from TransUnion. I have sent them everything that they need but they refuse to update my address and send me my credit report. So I am writing this complaint in an effort to obtain my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX XXXX - {$XXXX} - exp XXXX XXXX XXXX {$XXXX} - exp, XXXX XXXX XXXX XXXX - {$XXXX} - exp, XXXX XXXX XXXX XXXX - {$XXXX} - exp, XXXX XXXX XXXX  XXXX - {$XXXX} - all3 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX se

ction 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan was initially through XXXX. I had applied for student loan forgiveness. Loan was transferred and during this process the loan appears closed on XXXX XXXX and my credit score went down 32 points!! The account is apparently still active as I still have a balance of XXXX dollars and I still have a payment due as of XX/XX/13. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Paid In Full, but Experian showing Late/collection. t was paid to XXXX, as shown by XXXX, in full. XXXX and XXXX are one and the same, so both XXXX and XXXX need to be updated as Paid in Full.
Product: Debt collection

I requested validation of debt from company in XX/XX/year> via complaint id : ( XXXX ). Still have not received anything from them. Was told I would receive debt validation as well as a copy of the lease they claim allows them to charge ridiculous interest on the account. Nothing has hit my mailbox to this day! 

I want a written contract in wet ink that I have done business with your company, and proof that I owe your company the amount you claim I owe. This is destroying my credit, my ability to obtain affordable financing especially as a minority college student, and my overall quality of life. It's impossible to recover financially with this enormous " apartment bill '' reporting which is false information as far as I can see. 

BBB has been no help either, neither have the credit bureaus performed their due dilegence and provided me with a reason as to how they evaluated the validation of the debt as I received no information whatsoever regarding the details of how this debt belongs to me. 

I'm asking for help can any ethical team member of the CFPB please be the one to review my case. I have no choice but to contact the executive team. I will never be able to pay this debt, neither survive financially with it looming on my credit report charging interest almost every day.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Product: Debt collection

Debt collector called trying to collect a 7 yr old debt ... refused to send me a verification of debt letter so that I can prove they are a legit company ... would not give me the company name or address which I found through research ... threatening to sue me and freeze my bank account and put lien on my truck, taxes and garnish wages ... all I asked was a lettier proving the debt and she refused and informed me Im going to be sued ... I offered to pay the debt in monthly payments but I need verification of the legitimacy of this company which they are unwilling to provide ... I should be entitled to a document to look over to prove this ... if legit Im willing to pay my debt as I should..I have rights through the Federal Fair debt collecting practice Act and they have violated my rights..first off by not sending me a verification of debt  notice that would give me that chance to prove the authenticity of this company and debt ... I do not feel comfortable giving them a payment over the phone when they wont send me anything to verify who they are ... Im trying to protect myself from possible scam and I feel I have the right without being threatened if I dont pay today
Product: Debt collection

I first received a call from IQ Data International around XX/XX/2019, wherein we initiated the typical debt collection process. I requested that they verify the debt with XXXX  XXXX  ( the apartment complex to which they claim I owe money ). 

I requested that they not call me during work hours due to my employer not allowing me to take calls, and they agreed. I also requested all contact with me to be done via certified mail and they agreed. 

Fast forward to XX/XX/2019 and I receive a call at XXXX XXXX  EST during work hours. I told the phone operator that they had agreed not to call me during work hours but he became immediately confrontational. I said " Please do not call me at work again, have a nice day '' and hung up the phone
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three BureausXXXX XXXXXXXX, Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXXXXXX XXXX : {$23000.00} XXXX XXXX XX/XX/year>XXXX XXXX  XX/XX/year>
Product: Vehicle loan or lease

Loan for a new vehicle was refinanced out of USAA. USAA received payment from the new bank which the loan was received from. USAA then proceeded to continue to charge my automatic payment amount for $XXXX  on XX/XX/2019 despite the loan being paid off on XX/XX/2019. When speaking to USAA they would not refund this payment until they received it in their bank and I was instructed to call 2 business days later. A full business week has passed since the incorrect debiting of my account and they still will not issue a refund since they say they have not received the funds despite it being removed via automatic payment. The funds are being deposited into a loan account that has already been closed and thus I do not have access to see if it has arrived.
Product: Checking or savings account

I want a full investigation on the issue with my direct deposit in the amount of {$540.00}. It is 3 days past due and I need my funds immediately. Any fees accrued because of this irresponsible incident need to be addressed and refunded to me. XXXX be reporting to the BBB as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters XX/XX/XXXX but never received any response to the letter sent. I waited 45 day then resent the same information that I will be attaching today. 

The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] because they do not belong to me nor have I done business with these companies. 
XXXX/XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX/XXXX  ( XX/XX/XXXX ) {$0.00} XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX XXXX XX/XX/XXXX ) {$11000.00} XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX  ( XX/XX/XXXX ) 08 XXXX  XXXX {$2000.00} I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline items are verified, I request details of your method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate wrong and incorrect names wrong address and unconsented inquiries that are posted on my credit profile. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.

The resolutions of what need to be I would like this removed from my credit profile it has caused me hardship and causing me to lose opportunity 's I would like this done at once 15 U.S. Code 1681b - Permissible purposes of consumer reports This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing information related to : ( 1 ) a medical debt ( arising from the receipt of medical services, products, or devises ) if the date on which the debt was placed for collection, charged to profit or The Bureau of Consumer Financial Protection ( Bureau ) is issuing this compliance bulletin and policy guidance ( Bulletin ) to remind debt collectors of their obligation to comply with the Fair Debt Collection Practices Acts prohibition on false, deceptive, or misleading representations or means in connection with the collection of any debt and unfair or unconscionable means to collect or attempt to collect any debt, and to remind consumer reporting agencies and information furnishers to comply with the Fair Credit Reporting Acts accuracy and dispute resolution requirements, including when collecting, furnishing information about, and reporting medical debts covered by the No Surprises Act. 

Sincerely, XXXX XXXX
Product: Student loan

WE borrowed money for our oldest daughter to attend college and began paying it back after graduation in XXXX. In XXXX we filed a chapter XXXX bankruptsy and the trustee took over paying on this loan. At the time she took it over we still owed {$3800.00} on it. She paid on it for 5 years and paid it off. We have proof of payments. But 6 months after our bankruptsy was discharged we got a statement from Navient that we still owed over {$1100.00} on the loan. I sent everything that we had to Navient showing them every payment that was made. Our trustee paid to an address in XXXX and Navient 's were billed out of XXXX XXXX XXXX. They sent back what they had and our records do n't match. They do n't show all of our payments/ I 've sent copies to them over and over and called them repeatedly, to no avail. Today in the newspaper i saw the article about the complaints several consumers are having with Navient. You can add us to that list. I have proof that our loan was paid off.
Product: Debt collection

Collection agency : XXXX, XXXX XXXX [ Attorney ] Weber & Olcese PLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Work ( Phone ) : XXXX State Bar ID : XXXX They failed to send a debt validation letter after verification of the debt and such were requested. They went straight to lawsuit without communication. XXXX XXXX XXXX XXXX XXXX. Multiple complaints online about their practices.