23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a loan with ACS education. I recently asked for my original loan papers as mine were lost in a hurricane. They sent me a one page form without my signature, no interest information and on top it said one loan for XXXX and one for XXXX. That is a total of {$4800.00}. I graduated in XXXX and have been paying each month. I did have a period of relief due to unemployment. But my amount is around XXXX per month for a least 5 years. That is XXXX. They say I still owe over XXXX. Recently to add insult to injury I get a bill from XXXX ( who is XXXX ), I look it up and it is associated with ACS. DO I pay the Conduent bill or ACS, how do they decide etc. I need original signed ( by me ) paperwork on this loan.
Product: Checking or savings account

Someone stole my credit card number two months ago and USAA has been giving me the runaround ever since. Their fraud alerts knew it was fraudulent, as they are the ones who originally alerted me to the issue at the end of XXXX. I immediately called them and had them cancel my card and supposedly they filed a claim. I didn't get my temporary funds back and never got a confirmation of the claim and had to call back four times over two weeks. Finally they got the claim processed in XXXX and gave me the temporary funds. 

It took them two months before finally coming back last week and saying the {$5.00} charge was fraudulent but the {$400.00} charge was not. These charges were made within minutes of each other all by the same scammer. I called the merchant where the {$400.00} charge was made and it took them only 10 minutes to confirm it was absolutely fraud, that despite the person having my credit card number and address to process the payment, they were at a completely different address three hours away from me and had used 5 different cards all from different people to pay for multiple orders. 

I have now been calling USAA for four days in a row to attempt to get in touch with someone who I can conference in with the merchant so the merchant can confirm the fraud and get me a refund. They are giving me the runaround again. They said they would provide me with the documents they used to claim the fraud wasn't fraudulent but they didn't. They said a fraud specialist would call me from the fraud department but they didn't. They also took the funds back out of my account this morning. When I called again to express my exasperation they gave me the exact same spiel that they did the first time I called and said they would schedule a call back. 

This behavior is reprehensible. Not only have they massively mishandled this claim from day one they are now massively mishandling my attempts to prove the fraud and get my money back. They called me a lair and stole from me. I need your help in making this right please, CFPB.
Product: Credit card or prepaid card

I have a loan with ELAN FINANCIAL SERVICE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and ELAN FINANCIAL SERVICE with no successful resolution. XXXX, XXXX, XXXX only reporting me late. There was definitely an error on their part.
Product: Debt collection

Portfolio Recovery has contacted me several times threatening to arrest and sue me. They 've continuously contacted my family and friends do and made these same threats. They called excessively. I 've continued to request written proof that they legally own this date and they have not been able to furnish this. They have cursed me. They have continued to call after I mailed them a letter asking they cease and desist. They have said they 've only been collecting on these accounts for 1 year. However, they 've been harassing me for at least 5 years.
Product: Credit reporting

around 2012 i was a victim of indentity theft, they used my id to file taxes in California and get to phones from XXXX and XXXX, I didnt know until i pulled my report recently and I filed a police report, I also contacted the IRS and the creditors XXXX and XXXX who said they no longer had those records and sold in to XXXX enhanced recovery, I called them and they are unable to validate the debt, this is hanging on my credit and its not mine, XXXX promptly removed it they are in violation of the FCRA and I have several letters sent certified and they still say validated but provide me with no proof they say they only have a name a ssn and a last amount owed and a creditor nothing else. Please help me I am trying to buy a home
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on report does not belong to me. I have disputed and asked for information showing accurate information and what information reporting agency recieved showing validity of account and never recieved information. I have supplied police report and report to fcra and still inaccurate addresses and accounts remain on my report with no proof of accuracy. I have supplied this information to experian, XXXX and XXXX and still no correction.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I saw that part of the information was inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified by the three credit bureaus ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without supplying evidence within the legally mandated time range. The following incorrect information appears on my credit report ; it has to be looked into and corrected/deleted : XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$47000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ZIP XXXX DATE : XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Account - Discrepancy with XXXX Dear Sir or Madam, I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681, which guarantees the right to accurate and complete information in credit reports. I am formally requesting the removal of an account that continues to appear on my credit report, despite the fact that XXXX has already deleted this account from its records, creating a clear lack of uniformity and accuracy among the XXXX credit bureaus. 
Account Details : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 5 TIMES TO ACCOMMODATE MY ACCOUNT Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when information in a credit file is found to be inaccurate or unverifiable, the credit bureau is obligated to correct or remove that information. XXXX has fulfilled this requirement and removed the account from my report. However, my report with [ TransUnionXXXX ] still reflects the incorrect information, which constitutes a violation of my right to have an accurate and complete credit report across all credit bureaus. 
Attached to this letter is evidence of a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), which proves that the account in question was deleted from my XXXX report following an appropriate investigation. 
Additionally, I would like to refer to the case of XXXX XXXX TransUnion XXXX ( XXXX XXXX XXXX ), in which the court held that credit bureaus have a responsibility to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. In this case, it was determined that inaccurate reporting constitutes a serious violation that can cause financial harm to the consumer, which directly applies to my current situation. 
Therefore, I am requesting the immediate removal of this inaccurate account from your records. The attached evidence confirms that this account has already been deleted by XXXX, and steps should be taken to ensure consistency across all three credit bureaus. 
I look forward to a prompt resolution and the update of my credit report accordingly. Should this inaccuracy not be corrected, I will consider taking legal action under the provisions of the FCRA, including seeking punitive damages for continued noncompliance. 
Thank you for your attention to this matter. I am available to provide any additional information necessary to facilitate this process.
Product: Credit card

American Express via CFPB Re : Claim Notice -Amex Account # XXXX We have been Amex customers for several decades, and have been model customers, always adhering to the terms of my agreements with American Express ( Amex ), and always paying on time. 

By notice ( the Notice ) on XX/XX/2024, Amex unilaterally closed certain accounts, including the Business Platinum card referenced above ( the Account ) for no valid reason ( vague and ambiguous reason cited : based on our adherence to regulatory guidelines ) while wrongfully retaining annual fees paid by us in good faith. 

Other than the Notice, at no point in the past 30 years has Amex provided any indication of any deficiency on our part. On the contrary, Amex continued to send us solicitations to open additional accounts and to incentivize doing more business on existing accounts. 

On XX/XX/2024, Amex billed a renewal annual fee of {$690.00} ( which was promptly paid ) to the Account just weeks prior to Amex unilaterally closing it and Amex keeping the fee. We would not have renewed the card if we knew Amex would cancel after we paid the fee. If Amex did not want to renew the card, it could have canceled the card before billing another {$690.00} fee. Instead, Amex collected the fee and then canceled. We are writing to demand a refund from Amex for the renewal annual fee paid in good faith in reliance on the reasonable expectation of the Account remaining open. 

We are aware that if this dispute is not resolved to our satisfaction, we may submit the dispute to the XXXX XXXX XXXX or XXXX for mediation within 30 days after sending this notice, or we may submit the dispute for arbitration or litigation. Please be on notice that we intend to pursue litigation if the claim made in this letter is not promptly resolved. Our stated damages will likely be in excess of {$690.00} for reasons and under theories that will be outlined in the complaint. Please remit payment for {$690.00} immediately as reimbursement for the renewal annual fees paid in good faith and wrongfully retained by Amex.
Product: Checking or savings account

I have had a checking account with Capital One for well over 15 years. I get my Direct Deposit in this account. On many occasions I have over drafted due to my financial situation. My account was negative {$620.00}. One week before I would receive a direct deposit on XX/XX/XXXX Capital One put my account on Permanent Restriction. I never received any written notice that this would happen. None. 

I had opened a few weeks prior to this a 360 account which I had to over draft too because of my financial situation. My boiler broke and I had no money to fix it. So this account had a negative XXXX in it. When I saw the restriction on the the account that I have received my paycheck in for over 15 years, I immediately called the customer service and spoke to several different representatives who all stated that I would be able to transfer any positive funds into the new 360 account when I receive this deposit. 

On the day the direct deposit went into the account, i was positive over XXXX dollars. I call customer service and speak to several people on XX/XX/XXXX in particular a manager named XXXX -- ID # XXXX. He tells me he doesn't give out his last name. He knows my last name. 

XXXX tells me that they can not give me my money today. He tells that it will take 3 business days to go into the 360 account so that I can access my money. This in itself was unacceptable to me. He suggest I go to the branch and see if they can help me. I did and the story changed when the teller called the department that would be able to lift the restriction and give me access to my money. They refused to do this. They said that both accounts would be closed and a check would be sent out in 5 to 10 days. I am not a well person and this situation has made me very ill. They left me with no money, no food money, no money to pay any bills. My next paycheck is on XX/XX/XXXX and I have no direct deposit account because they said they were closing both accounts. This was my money. Not Capital One 's money. Over the years I have paid thousand of dollars in Overdraft fees.. They close both accounts with no written notice and refuse to give me the remainder of MY money which would be over XXXX after paying the other negative amount which I saw they already paid. I need to see a doctor soon and I have no access to my money. I will continue to make formal complaints about this issue because it is truly an unacceptable situation when a bank refuses to give you access to your own money after any fees are paid. To tell someone who needs their money today that they will get it in 10 days is not acceptable especially in these trying times. I need access to my money today XX/XX/XXXX, not in 5 to 10 days.
Product: Student loan

I have lodged multiple complaints against this servicer about the calculation of eligible payments to my PSLF status. On XX/XX/21, I submitted a packet via fax and standard mail detailing my disagreement with payments that were considered eligible. That packet will be attached to this complaint. Notably, the majority of my disagreements center around 2 issues. 1. ) " Billed total due amount is not satisfied '' and 2. ) " Your payment was received outside of the payment window. In all cases, I have submitted bank statements demonstrating that in fact the correct amount was paid, and that it was paid within the payment window. This is detailed in my attachment. 
Thank you XXXX XXXX
Product: Credit card

I was charged for furniture purchases I did not make from Macy's.com. First in XXXX of XXXX. I reported the fraud and was issued a new card. Then there was a charge on the new card for {$2700.00} twice on XX/XX/XXXX. I reported this fraud and only XXXX of the {$2700.00} was credited. I called Macy 's today XXXX XXXX. I was informed that only XXXX of the {$2700.00} charges was credited and that fraud investigation was closed. I informed the call center my balance should be {$0.00} as I have made no purchases. I was informed there is a new charge on XXXX XXXX for {$3600.00} made online. I then opened a new fraud investigation and canceled the credit card since this is the third fraudulent charge made since XX/XX/XXXX. I have no confidence in Macy 's fraud investigation division. 
Tank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

Payments have been scheduled to come out but they have delayed the payment and doesn't automatically withdraw the fees. Allowing one to believe there is additional funds that can be spent on other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my federally protected consumer rights to privacy and confidentiality. under 15 USC 1681 has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Castrucions 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 intormation Anv other adverse item of information, other than records or 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 or other personal consumer reports

I am providing a follow-up complaint today to update you on my ongoing case as a victim of identity theft. In accordance with FCRA Section 605b, it is mandated that Credit Reporting Agencies expunge any items listed on an identity theft report, as in my case under reference # XXXX. Enclosed are the reattached documents intended to facilitate the removal of fraudulent inquiries currently reflected on my reports. Here is the list of inquiries that do not pertain to me or were opened without my authorization : -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items in the consumer 's file that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

To whom it may concern, According to my most recently credit report, your company is currently reporting to the XXXX credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. 

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within XXXX ( XXXX ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. 

Listed inquiries below : Capital one bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one bank XXXX XXXX Capital one XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one bank XXXX XXXX
Product: Debt collection

I do not have the exact date that a manager contacted me this month but they were not willing to modify my loan considering the car was totaled and my balance left is a deficiency after the insurance paid them replacement value minus {$500.00} deductible. Perfect pay history mind you not. Since they were unwilling to work with me I requested a full cease and desist. They robocalled me yesterday and I called back to advise them again that I requested a cease and desist and to stop calling me but they called again today. I know that they are supposed to honor my verbal request but they are not doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY NAME ISLAND FINANCE {$2800.00} OPEN ON XX/XX/XXXX OBTAIN BY SOMEONE WHO STOLEN MY IDENTITY OBTAIN LOANS, FRAUD ACCOUNT COMPANY NAME " XXXX : OPEN XX/XX/XXXX {$2000.00} PR XXXX XXXX XXXX OPEN XX/XX/XXXX {$180.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally refile a complaint regarding serious inaccuracies present in my EQUIFAX credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported accounts were not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my EQUIFAX credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge EQUIFAX to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.