23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 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: Checking or savings account

I received a package of new checks today, XX/XX/2021. Someone used my address and name to open and TD Bank checking account. The phone number used is XXXX. I do not have ANY account with TD Bank.
Product: Student loan

After entering some basic information into the University XXXX website, I had received several calls in a few days ' time. An enrollment counselor contacted me to ask about my interest and aggressively pursued my enrollment in coursework for a XXXX Degree in XXXX from the XXXX University XXXX forum, explaining a XXXX degree would boost my chances of getting a high-paying job in the field of my choice. The format and cost were explained and the first course started the following Tuesday. I began the coursework expecting preparatory instruction for the beginning of a career. I was, in fact, given little guidance toward a secure, high-paying job in the field and I believe the education i received in this coursework has not expanded my opportunities for a career in the way I was led to believe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XXXX. XXXX. 2021 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX  Account number XXXX with a balance of {$1200.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XXXX XXXX, 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Product: Debt collection

Previously a victim of identity theft, as a result account with XXXX XXXX XXXX was opened. Contacted company via phone and provided statement regarding this twice and disputed it with the credit bureau 's already as fraudulent. Yet, XXXX is still pursuing this.
Product: Student loan

XXXX XXXX, XXXX XXXX, GA XXXX XXXX : Claim Dispute - NAVIENT - Account # XXXX To Whom It May Concern : Please accept this letter as formal dispute regarding falsely submitted " derogatory '' entries on my credit report. 

History - This consolidated student loan was comprised of XXXX student loans taken out by my son, and cosigned by me. They were : XXXX XXXX, XXXX in the amount of {$4000.00} XXXX XXXX, XXXX in the amount of {$2000.00} I made regular and timely payments on the loans for the benefit of my son. The loans were paid in full on XXXX XXXX, XXXX. 

In XXXX XXXX I was notified by Navient that there was a remaining balance of {$750.00} on these loans. I disputed this claim, knowing that the loans were paid in full in XXXX. 

For over three months we argued over this matter. I based my argument on the facts that : 1. I knew we had paid these loans off in XXXX 2. Navient had made national news about their mismanagement of student loans, including false claims of outstanding balances. 
3. Navient correspondence came in the form of apparently photo-copied statements. This indicated to me that these were possibly " scams '' based on national media reports about Navient. 

Once the derogatory entries were made on my credit report I immediately paid the claimed balance, which had grown to {$820.00} during the dispute period. I continue to contend that I did not owe this amount, but I made the payment to end the issue and hopefully avoid derogatory entries on my credit report. Apparently I was unsuccessful in the latter. 

I hereby request that these, and all related derogatory entries on my credit report be removed, and that they be replaced with a statement of correction. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Cc : Consumer Financial Protection Bureau Via CFPB Website
Product: Credit card or prepaid card

I had a XXXX balance on my Chase Freedom visa card. I inadvertantly made a {$1000.00} payment to my Chase card rather than my credit union card. A couple of days later when reviewing my online bill-payer, I realized what I had mistakenly done and called Chase. My balance was a {$1000.00} credit, so on XX/XX/2018, I called a customer service rep and explained the situation. They said that a refund check would be issued and I would receive it in 7 to 10 days. I did not receive a check. I called back and they said they would reissue the check. I still never recieved a check. Chase and I repeated this song and dance routine 5 times. Last week the representative said to call back today, Tuesday, XX/XX/2018, and if check still did not arrive, they would reissue another check or recredit the {$1000.00} to the card within 3 to 5 days and I could use the card until the {$1000.00} is spent down. So, of course, check did not arrive, so I called to customer representative supervisor XXXX XXXX. ( only identification he would give me ). I asked for the amount to be re-credited to the card. He said he couldn't do that, he could only issue another check. I said no, you never send checks. I want my card recredited like the rep told me last week. he said no. I said I will go down to the local branch of Chase and they can issue me a cashiers check. He said they can't do that. I asked to give me a tracking # when they mail the check. He said they can't do that. So here I sit with the promise from Chase that my overpayment check will really be mailed this time and should arrive around XX/XX/XXXX. That will be about 70 days since I first contacted them and 7 to 8 phone calls promising to send me my refund check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax on XXXX for the inaccurate reporting of a balance on XXXX Bank account, the accurate balance is {$0.00} as XXXX bank issued a 1099-C. On XX/XX/XXXX Equifax sent me a letter stating the following information We have researched the credit account. Account # - XXXX The results are : THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. 
On XX/XX/XXXX it cost me {$26.00} to send an overnight letter informing Equifax that the error was not corrected. I included a copy of the 1099-C issued by XXXX Bank as Equifax will not accept documents to be uploaded due to issues with their system. The enclosed copy of the 1099-C was absolute proof that the accurate balance is {$0.00}. The tracking number is XXXX which Equifax received on XX/XX/2022. I also requested that Equifax send me a copy of the documentation that XXXX Bank sent them to verify the balance on the account as I know that per law a 1099-C cancels the debt. 
The courts have found that if a financial institution has filed a Form 1099-C with the IRS, cancellation or discharge of a debt has, in fact, occurred. Therefore consumer credit reports must reflect the reporting of a {$0.00} balance. It is inequitable to require a debtor to claim cancellation-of-debt income as a component of his or her gross income and subsequently pay taxes on it while still allowing the creditor, who has reported to the IRS and the debtor that the indebtedness was cancelled or XXXX, to then collect it from the debtor. 
On XX/XX/XXXX, I checked my Equifax credit report and discovered that Equifax still refused to correct the error and further stated the reinvestigation was completed and the balance of {$22000.00} was accurate. 
I find it perplexing that Equifax will not follow the law nor follow the FCRA. I sent XXXX and XXXX a copy of the 1099-C issued by XXXX Bank and both of those credit bureaus updated the account to {$0.00} balance per the FCRA. 
I am attaching the letter from Equifax, the letter I sent to Equifax, and a copy of the 1099-C issued by XXXX Bank XXXX I sincerely hope that the CFPB holds Equifax accountable for deliberate violation of the FCRA and persuades Equifax to update the balance to {$0.00} on XXXX Bank account.
Product: Debt collection

On XX/XX/XXXX I sent a letter to dispute the amount and if the debt is mine on my Citifinancial Credit Card. The XXXX time XXXX @ XXXX PA from XXXX, MN that I just got diagnosed with Bipolar XXXX disorder on XXXX XXXX during the time frame between XXXX til XXXX I was manic with complete XXXX out episode lasting months at a time. Citifinancial closed my account around XX/XX/XXXX. When XXXX called the XXXX time sometime in XXXX I told them about my bipolar XXXX disorder and I was having complete XXXX out episodes. I don't remember using my credit card at all in XXXX and XXXX. When they called the XXXX time i explained the situation to them. They said it's all your debt. from all reviews on line it appears XXXX @ XXXX XXXX is very aggressive and effective in collecting debt. I just need some help, it feels like they have no conscience about how they collect the debt, as long as they get the money by any means possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : EdFinancial Services has inaccurately reported account balances to the three leading credit bureaus. During a recent call, I was informed that they have communicated to the bureaus ; however, the updated reporting was " only '' reported to XXXX, and if an appeal for updating is needed, I was instructed to open an inquiry with the three bureaus. This is unacceptable and violates the FCRA rules. EdFinancial should be able to communicate via API ( immediately ) to ensure credit reporting is accurate, as this impacts borrowing decisions. EdFinancial Services must provide precise reporting to ALL credit bureaus for my account today! 

Lastly, in conversation, I was instructed to find alternative avenues to correct the reporting. Unacceptable!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , INC IN. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( GFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with air resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regualtion E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX Transworld Systems Inc is on my credit report about an alleged debt that I owed. Due to Transworld Systems Inc, has not responded to non of my letter 's that I've have written to them about this debt. I've have not gotten any type of verification that this debt is mines. I've gave them long enough to respond and correct this alleged debt. I've will provide all letter 's that have been sent to Transworld Systems Inc.
Product: Debt collection

SPRING OAK CAP is alleging I owe a debt but I legally have no obligation to pay this debt because this debt was purchased but not lawfully assigned. Any secured creditor that has an interest in any allege debt must enter a lien into the XXXX system to hold assignment of the debt upon the books. I searched my name and there is no lien in the system to show assignment of this debt therefore they can not collect because it would be an illegal transfer. Furthermore transfer of an instrument does not give you full rights to collect.
Product: Student loan

Hello, My complaint is with regards to my payments on 3 of 6 accounts I have with Great Lakes loan services. I am currently on deferment and I am aggressively paying towards decreasing the interest and principal on 3 unsubsidized loans I have with Great Lakes. These loans are named XXXX  XXXX, XXXX XXXXXXXX and XXXX   XXXX. 

Unfortunately, I do not have a record of the amounts owed for each of these accounts prior to making my first payment on XX/XX/XXXX ( below ), so I do not know if the money was allocated as I had authorized. 

On XX/XX/XXXX I authorized the following payment with clear acknowledgement from the representative of how the money was to be allocated with verbal read back : XX/XX/XXXX payment confirmation # XXXX of total payment of {$1000.00}. {$960.00} towards interest on tXXXX XXXX with {$34.00} towards principal on XXXX XXXX 

As of XX/XX/XXXX the balances for each account was as follows : XXXX XXXXXXXX Total Balance : {$6000.00} [ Principal Balance ( {$5400.00} ) + Interest Balance ( {$610.00} ) ]. 

XXXX XXXX Total Balance : {$8700.00} [ Principal Balance ( {$8700.00} ) + Interest Balance ( {$12.00} ) ]. 

XXXX XXXXXXXX Total Balance : {$4100.00} [ Principal Balance ( {$3800.00} ) + Interest Balance ( {$240.00} ) ]. 

OnXX/XX/XXXX I authorized the following payments with clear acknowledgement from the representative of how the money was to be allocated with verbal read back : XX/XX/XXXX payment confirmation # XXXX of total payment {$1100.00}. {$870.00} towards interest ( XXXX XXXX : {$610.00}, XXXX XXXX : {$12.00}, XXXX XXXX : {$240.00} ). {$320.00} towards principal ( XXXX XXXXXXXX : {$200.00}, XXXX  XXXX : {$120.00} ). 

OnXX/XX/XXXX I logged on to my account to see if the authorized payments had processed and found that the allocation of money was arbitrarily allocated. 

As ofXX/XX/XXXX the balances for each account was as follows : XXXX XXXXXXXX Total Balance : {$5600.00} [ Principal Balance ( {$5400.00} ) + Interest Balance ( {$190.00} ) ]. 

XXXX XXXXXXXX Total Balance : {$8200.00} [ Principal Balance ( {$8200.00} ) + Interest Balance ( {$12.00} ) ]. 

XXXX XXXXXXXX Total Balance : {$3800.00} [ Principal Balance ( {$3800.00} ) + Interest Balance ( {$3.00} ) ]. 

Nothing was paid towards principal on XXXX XXXX, which should have been {$120.00} as I requested as well as my request to completely pay off in full all interest ( {$610.00} ) on XXXX XXXX as of XX/XX/XXXX. 

Instead, {$470.00} was allocated to XXXX XXXX, which is not what I requested and {$40.00} was allocated to XXXX XXXX, which was also not requested. 

I was told over the phone that there would not be a problem fulfilling my request because there were no restrictions on the way I chose to allocate my payments. I purposely requested to pay the total interest accrued on the three accounts ( XXXXs XXXX, XXXX and XXXX ) in order to avoid any underlying complications. 

The way Great Lakes has distributed the money was unauthorized and causes confusion and frustration in determining the progress towards repaying my school loans.
Product: Credit reporting or other personal consumer reports

I received a notice that my credit was being run, I never gave permission for them to do so nor did I apply for a credit card with them. They should not have inquired without my permission.

This is the information below that I was notified on : TD BANK USA/TARGET C Inquiry : XXXX XXXX, XXXX  - Complete Dept. Stores No contact information has been reported by this creditor.
Product: Credit reporting or other personal consumer reports

604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached ) Please remove all non-account holding inquiries over 30 days old Please remove all Fraud Alerts / Security Freezes from my credit profile. Please remove all previous Addresses, Employers and Also Known As Names. The info on my attached ID is accurate. accounts must be removed and if you unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. I demand the following accounts be removed immediately. XXXX. XXXX XXXX XXXX  Account Number : XXXX This account is inaccurate, and I am seeking litigation. Delete at once
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank XXXX # XXXX, 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have 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 an account without my written instructions.
Product: Checking or savings account

Bank Of America failed to identify and prevent Bank and/or Check fraud. A yet unknown person/persons/organization created fraudulent checks that had a routing number and checking account number matching our Bank Of America checking account numbers. The name and address on the checks " identifying '' the account owner did not match our name or address and the check pretended to be issued by XXXX yet the routing code on the lower left was a Bank Of America routing number. Starting at XXXX on Friday XX/XX/XXXX fraudulent checks have been deposited with at least XXXX of them using " XXXX XXXX XXXX ''. The total amount of all checks was {$4200.00} which Bank Of America allowed to be taken out of our checking account while it was obvious and very clear that those checks were fraudulent. It is unclear to me how the bank can miss the obvious discrepancy of a check saying it is from XXXX but the routing number going to Bank Of America. Additionally the name and address of the account owner printed on the fraudulent checks didn't match any information of the real account owner. Right there the processing of the check should have stopped and a fraud alert being triggered. 
Bank Of America 's failure to identify and stop this fraud resulted in multiple legit transaction ( utility payments, credit card payments, etc ) not being processed. While Bank Of America has refunded all of the overdraft fees associated with the fraudulent checks we believe that Bank Of America also should reimburse us for any fees imposed on us by XXXX parties ( utility and/or credit card companies ) and for the substantial time we are investing to fix this issue.
Product: Debt collection

I am writing this complaint against BANK OF AMERICA , N.A . ( hereinafter BOA ) for continually violating the Homeowner bill of rights statute. On XXXX XXXX, 2015 a letter was sent from someone by the name of XXXX XXXX ( XXXX XXXX ). I have a point of contact established pursuant to the statute CCP 2923.7 by the name of XXXX XXXX. I have requested information from my point of contact with no response from XXXX XXXX. I have delivered a letter via XXXX certified mail article number XXXX dated XXXX XXXX, 2015 to XXXX XXXX 's supervisor XXXX XXXX that was received and signed for on XXXX XXXX, 2015. 

There has been another letter dated XXXX XXXX, 2015 sent from XXXX XXXX making more unlawful and illegal threats to me. XXXX XXXX is not my point of contact according to the statute. I have requested XXXX XXXX supervisor XXXX XXXX to be my point of contact accordingly to statute CCP 2923.7 ( d ). I have attempted to call XXXX XXXX on more than one occasion leaving detailed voicemails on her voicemail. There has been no call back from XXXX XXXX or XXXX XXXX to present date. I have uploaded a declaration in support of this complaint. XXXX XXXX and BOA are proving an act to commit deceit, fraud, and concealment of an issue of material fact. Further BOA has sent a letter making a false statement by alleging BOA is satisfying the due diligence statute CCP 2423.5. I have uploaded this document from BOA to prove the false statements BOA is alleging so they can attempt to foreclose on my house they have no rights too.
Product: Debt collection

They placed a collection on my credit report of XXXX office copay. 
My ex wife paid the copay when she got the bill. 
My ex wife took my daughter to hospital. 
I had no idea about the copay. BUT they placed a delinquency on my credit report without verifying the debt. They placed a XXXX collection. My wife paid it directly to the hospital after she got the bill. 
But they are harassing me the collection company and refused to remove the collection from credit report XXXX.