23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to the XXXX in XXXX. I had a medical card coverage. But somehow still ended up with a bill. I never received the bill until after it had been sent to collection. I called the collection company to see what needed to be down considering there should have never been a bill, the medical card should have covered it. The collection company proceeded to tell me not to pay the debt. That would drop my credit score down further. But instead pay them {$190.00} to have them file a dispute and have it removed from my credit report.
Product: Debt collection

There has been no judgement filed against me, I was not served by ARS, I asked for validation of debt and they sent me someone elses personal file which was not mine. ( Obvious error ) call me and threatened to call my employer, they know where I work already ( but Im an independent contractor ) but Im the voice mail they threaten to call my company to embarrass me. Ruin my reputation and force me into answering by using scare tactics
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to "  promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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: Payday loan, title loan, personal loan, or advance loan

account was chargred off and company wrote it off on there taxes and sent out a 1099c. this acount should not be on my credit report this is fraud
Product: Student loan

I am submitting this complaint because MOHELA improperly denied my eligibility for loan discharge under Borrower Defense to Repayment ( BDR ), despite my refinanced XXXX XXXX loan being directly connected to my federal student loans, which were discharged under the XXXX XXXX  XXXX settlement. 

On XX/XX/XXXX, I refinanced my federal student loans through XXXX XXXX with XXXX XXXX XXXX ( XXXX XXXX ), now serviced by MOHELA. MOHELA acknowledges that the proceeds from this private loan were used to pay off my federal student loans. 

I was a class member in the XXXX v. XXXX settlement, which discharged my federal loans due to predatory and misleading practices by the originating loan servicer and school. However, MOHELA claims that my refinanced loan does not qualify for federal benefits, including BDR. 

Issues with MOHELA 's response : Lack of Evidence : MOHELA cited specific disclosure language stating that refinancing federal loans forfeited federal benefits. However, they failed to provide evidence that I received and agreed to this disclosure during the loan application process. 
Connection to Federal Loans : MOHELAs acknowledgment that my refinanced loan paid off federal student loans ties this debt directly to my discharged federal loans, making it eligible for relief.

Misleading Practices : My decision to refinance was based on incomplete or misleading information, which is precisely the type of behavior addressed under Borrower Defense to Repayment. 
Dates and Actions Taken : On XX/XX/XXXX, I made my final payment of {$3800.00}, fully satisfying the refinanced loan. 

I submitted my initial complaint to MOHELA regarding loan discharge eligibility. 
MOHELA denied my request, claiming the loan is private and ineligible for federal forgiveness, without sufficient evidence or legal basis. 

I believe MOHELAs response improperly denies me the protections and relief I am entitled to under Borrower Defense to Repayment. The refinancing process should not nullify my eligibility for relief, particularly when the loan directly originated from federal student debt that was discharged under the XXXX XXXX. XXXX settlement. 

Resolution Requested : I request that MOHELA : Reevaluate my eligibility for Borrower Defense to Repayment relief. 

Provide verifiable evidence supporting their denial, including documentation proving I was fully informed and agreed to forfeiting federal benefits during the refinancing process. 

The attached loan document fails to explicitly disclose that refinancing federal student loans would forfeit federal benefits, including protections under Borrower Defense to Repayment. Any forfeiture of such significant benefits requires clear and conspicuous disclosure, which is absent here. MOHELA claims this forfeiture was disclosed but has not provided verifiable evidence that I was fully informed and agreed to these terms at the time of refinancing. 

MOHELAs actions are both unsupported and inconsistent with the protections established under Borrower Defense. I urge the CFPB to review this matter and ensure fair resolution.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propeny investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I opened up the TD checking and savings account with TD USA but I think I should be eligible to receive the benefits under the TD STUDENT OFFER plan but unfortunately the bank claimed I am not able to received them because the account was not opened by a university. Having spoken to TDs customer care team, they said the branchs explanation was wrong but denied to open up a complaint for me and they also refused disclose their complaint process
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Resurgent capital sent debt letter XX/XX/22. I sent validation request XX/XX/22. XX/XX/22 Resurgent did not send all requested information in my valuation request. Only sent photo copies of last statement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I have disputed this information directly with the creditor to concerning some inaccurate items being furnished on my consumer report ( XXXX and Experian ). I have allowed the creditor the allotted time 30 days to do an investigation and respond to my disputes. Pursuant 15 USC 1681 s2 unverifiable inaccurate or incomplete information must be removed from my consumer report in accordance to 15 USC 1681 i ( 5 ). This company did not respond to me within 30 days therefore, this means the information is not verifiable. I demand this account be removed from my consumer report for reporting inaccurate information. Please see the attached documents
Product: Debt collection

I asked to dispute these accounts for Caine & wiener multiple times. These are not mine! I noticed them on my credit reports and have tried to have them removed but you claim theyre accurate? I ask for proof and to please verify we have the correct information/account.. theyre unable to provide.please remove this immediately from my credit scores. Not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The credit bureaus continue to disregard the law. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus are required to modify or delete accounts that are not reporting accurate information.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after confirmation of errors. 
A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact accurate. 

The credit bureau has no respect for laws, and I expect them to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX regarding my XXXX vehicle lease not appearing on my credit reports. They told me that they do not report to credit bureaus. I have no idea how that is legal. I then contacted XXXX, Equifax and XXXX and asked to " self report '' the payment information and I would provide the invoices and proof of payments and they too refused. I am paying a {$2300.00} car lease payment every month and I want this information reported, earning me credit and showing my responsibility to repay large loans. The FCRA requires that furnishers of information as CRA ( credit reporting agencies ) are required to keep accurate information on a consumer report. I want the auto lease from to be reported on all 3 of my credit reports and to reflect the opening date, and the current, on time payments I have made monthly. I am also attaching several of the invoices made available to me via XXXX 's website. I made a payment for this month as well which has not yet been reflected in statements, but can be verified online on XXXX 's account management page. XXXX should also be required to report accurate information
Product: Checking or savings account

My account was fraudulently charge and Chime credit card won't return my money. They deny my claims.
Product: Checking or savings account

In XX/XX/XXXX I was charged {$4000.00} in NSF and overdraft fees, at Chase Bank. 
Since XX/XX/XXXX it was a total of {$7000.00}.
Product: Credit reporting

I took out a 60 month car loan in XXXX from California XXXX XXXX. In XXXX I had to return the car and it was charged off in XXXX. I contacted the legal department at XXXX XXXX and they said they have not been in communication with TransUnion. TransUnion has active dates on this account from XXXX thru XXXX. It 's been almost twelve years since the account was charged off but TransUnion is continuing to keep this bad mark on my credit report until XXXX. When reviewing the dates and knowing there is a 7 year maximum on bad credit marks on a report, none of this makes any sense. XXXX do not have this negative information on their reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the accounts ( XXXX XXXX Account number XXXX Experian ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including small claims court in my area. This is my warning. I demand you to delete these items at once. 

I have included the confirmation number from the certified signature request letter sent out to the collection agency ( XXXX XXXX ) in order to validate the alleged date. Confirmation number : XXXX They have violated the following U.S Codes : 15 U.S Code- 1692d,1692e,1692f,1692g,1692j and1692k
Product: Debt collection

I sent a letter via certified mail to XXXX on XX/XX/year> asking for validation of debt and cease all communication regarding this debt. This has also been disputed on with XXXX on two different occasions and still appears on my report with two separate amounts owed.
Product: Credit card or prepaid card

I purchased a hotel on XXXX XXXX. However, I was charged for XXXX different hotel rooms, at different hotels, on the same night. I only booked and used XXXX. The other one was never checked in. 

I disputed the incorrect charge, and Citi credited the account and resolved the dispute in my favor. 

However, after I had opened a CFPB complaint with Citi for a separate dispute for defective merchandise that both Citi and XXXX refused to reimburse, Citi reopened this hotel dispute in retaliation for my CFPB complaint, and recharged my account for the {$360.00} that they previously recognized as incorrect, resolved the dispute in my favor and credited my account, and made the credit permanent.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1XXXX XXXX XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XXXX  - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX  - XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXX - XX/XX/XXXX 7. XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX - XX/XX/XXXX 13. XXXX XXXX XXXX - XX/XX/XXXX 14. XXXX XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Checking or savings account

Bank of America closed my account in XXXX they had my XXXX check and refuse to release the funds to me still so I am in danger of eviction and can not buy my medicine and had to borrow money for food.
Product: Checking or savings account

I have called several times this week. My original rep would not answer or return my voicemail. I was wanting to know about my direct deposit from my job that they took even though XXXX XXXX said they wouldn't that this would all be resolved as he saw my presented proof. Well my direct deposit hit XX/XX/23 and they kept it all.I was also told I didn't need to cancel my auto bill pay when I asked so I incurred more overdraft fees. I tried speaking to Claims again and was told they couldn't discuss with me as I filed a report with you.
Product: Credit card or prepaid card

I applied today and was denied. XX/XX/2019. And also applied for other cards like discover, XXXX XXXX XXXX. XXXX XXXX XXXX emailed me to apply again because the decision might be different and than. I need a credit card For making big purchases like clothing or shoes for my kids I am a single mother with one income and only getting child support from one of the days which is only XXXX a month. Also for emergency like medicine for them or gas. I have a job working at a XXXX XXXX XXXX and going online for schooling. So I am trying my best.
Product: Debt collection

XX/XX/XXXX Bonneville Collection served myself and husband for a medical surprise bill. I have asked several times in our court case for a financial agreement and they had not been able to provide one. On court dated XX/XX/XXXX of XXXX. XXXX XXXX threaten to add {$3000.00} to our bill that we are fighting in court if we did not settle in that half hour that the judge gave us to talk. He was intimidating and yelling at us. The judge and I gave XXXX XXXX and Bonneville collection 3 weeks to provide a financial statement. We go to court again tomorrow XX/XX/XXXX of XXXX. And I just realized on XX/XX/XXXX Bonneville collection also put this debt on my credit report. We are in litigation and I am proving that I do not owe this debt. Besides being intimidated, now he has ruined my credit report. XXXX XXXX from Bonneville collection agreed with me that he needs to have a financial arrangement agreement to make the federal truth and lending statement be legal. From what I read you can not put debt that is in litigation on the credit report..
Product: Debt collection

A debt, previously handled with the original creditor as fraud, : XXXX XXXX, this agency now and has been for years attempting to collect a debt that is fraudulent and previous disposed of through the original creditor. I am tired if this XXXX year old issues tat I believe his way past it's time of collecting on anyway. They have scarred my credit for years and offered NO attempt to assist in handling bilthis ad what bit is, fraud!
Product: Credit reporting or other personal consumer reports

I did not give consent to TransUnion, authorization, nor benefit from any of the following inquiries. Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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. Please Delete these immediately because I gave No one permission, Nor did I authorized anyone to run my credit, or to release my information ( U. S. Code 1681b, Permissible Purposes... ). I also have the right to privacy according to the FCRA 15 U.S. Code 1681 section 602 A. This is a grave violation of my rights as a consumer, so delete this Hard Inquiry off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX the company I called and spoke with the XXXX and stated to him that their company ran my credit without my consent and I have plenty of inquired from their company as if I were trying to obtain credit and he stated he will not correct the issue that I need to contact the credit reporting bureaus. 

XXXX XXXX, XXXX XXXX XXXX XXXX, and on XX/XX/XXXX : I contact the companies and I let the sale managers know there are plenty of unauthorized inquiries on my credit report and the sales XXXX stated I have to call the credit reporting bureaus to have them remove the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted these XXXX companies by mail and they stated the inquiries are accurate after I stated to them they were fraudulent and unauthorized inquiries made. They replied and stated to contact credit reporting bureaus and add them to add a fraud alert.
Product: Credit card

Received a statement on XX/XX/2023 for an account I did not open nor authorize. The account balance is {$5900.00} of the {$15000.00} credit line. After speaking to the customer service representative, it was confirmed I did not authorize or use this money. They placed a stop on the account. I have notified the police and reports were filed. FBI were being contacted to report this fraud.