23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I went to XXXX XXXX XXXX when I was XXXX. I wasn't really prepared for college nor did I know what major I really wanted to take. I went through the XXXX XXXX  XXXX XXXX and later founds that I was only on that career path out of the hobby and great skill. Not because it was my passion. I dropped from the program during my XXXX class or sometime after. I later heard like maybe 3 to 6 months later that they had been shut down due to fraud with certifications or something. So Later in life still have the loans on me, I sent in papers applying for the loan to be removed to the department of education. I have done this twice and still have yet to hear from anyone. Yet they have consolidated the loan. I need help!
Product: Credit reporting or other personal consumer reports

Violation of my rights 15 USC 1681 Over the course of 3 months i have sent sveral letters to the reporting agency to investigate and remove these negative items on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are erroneously being reported, i have pointed out these erros over multiple letters to them, but they refused to remove these items, The reporting agency can not verified these items as required by FCRA Laws 15 USC 1681, there process of verification of this item is adequate and incomplete therefore As per FCRA Laws- 15 USC 1681, credit reporting should be accurate and correct, therefore i belive my rights are being violated.
Product: Debt collection

This is the 3rd collection agency XXXX has sent this account to for collections. XXXX claims I owe them {$920.00} and I do not. I had an account with XXXX for many years, always paid my bill. When I decided to switch carriers, XXXX tried to convince me to stay. I told them No,  because I had too many problems with XXXX. Since my lease of the devices was up with them, I was told they would send me packaging to send the devices back and my account would be fully closed. I waited and called numerous times, over a 5 month period, before they finally sent me their packing to send the devices back. After several months, they claimed they never received the devices. Fortunately, I videoed myself mailing the devices back. I also provided them with the tracking information confirming they had received the devices. They originally said I owed them {$1700.00} and then said I owed them {$900.00}. I am not paying them anything. This attempt to collect money from me is a result of them being angry that I terminated service with them. Perhaps they are sending this to different collection agencies thinking they will get a different response. I am not paying them another dime. Sending this to different agencies continues to have a profound impact on my credit and I'm tired of it. Please tell me what I can do to finally get rid of XXXX. I dont owe them and I am not paying them a dime. Thank you!
Product: Checking or savings account

I am an existing Union Bank business customer. US Bank acquired Union Bank and online bank account was supposed to be switched from Union Bank to US Bank starting XX/XX/2023, according to US Bank. 

On XX/XX/2023, when I tried to transition my online account access to US Bank, I received a variety of errors from their website. 

The first few attempts were met with a message that said, " There is a problem on our end. It shouldn't last long. '' Eventually I was able to get past that error, but US Bank 's website gave me more, different errors while trying to access my account, stating that it could not identify my identity. 

I spoke to a customer service agent who said that due to a " coding error '' by Union Bank during the transfer process, I would not be able to access my own business account, even though the agent admitted I was who I claimed, the sole proprietor of this business. 

They said the only way to resolve it was for me to make an in-person appointment at a branch and providing them with ID and documentation. Or else I could resolve it by mail, a process which they said typically takes 2 months.
Product: Debt collection

The was sent to all three Credit bureau, Trans Union, XXXX, and XXXX See attached Complaint to FTC XXXX : Dispute of Fraudulent Accounts Due to XXXX Data Breach** Dear Sir/Madam, I am writing to formally dispute certain accounts that have appeared on my credit report, as I was directly affected by the XXXX data breach. It is my belief that the following accounts were opened fraudulently using my personal information without my authorization. As a result of this breach, I request that these accounts be thoroughly investigated and immediately deleted from my credit report. Below is a list of the fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ask that you investigate these accounts, as I did not authorize or open them. Additionally, as part of your investigation, I request that all fraudulent accounts be permanently removed from my credit file. Please inform me of any additional documentation or information needed from my end to support this dispute. I also request that you provide written confirmation once this dispute has been resolved. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if any further information is required. Sincerely, [ Your Name ] -- - Ensure you send this letter to the appropriate address for each credit bureau and keep a copy for your records. You may also want to include a copy of your ID, proof of address, and any other required documentation to support your claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. 

XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in XXXX & XXXX which is severely affecting my scores.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Sections 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

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 - 180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX and I was able to successfully view a copy of my report with both XXXX and XXXX. I was able to do this online, as well as save a copy to PDF for printing. However, when I tried to look at my Equifax report on the same website, the web page said, " We are not able to deliver your free Equifax Annual Credit Report online ''. 
I was told I could request by mail my Equifax report by filling out a form and mailing in proof of social security number and address. 

MY QUESTION IS : Why is Equifax forcing me to spend hours of my time to gather data and weeks of wait to view a report that the other bureaus allowed me to view instantly?
Product: Mortgage

I am on a home modification with XXXX and they went out of business. Unbeknownst, to me, XXXX XXXX, the investor, who has not been supportive sold my loan to this ... Penny Mac Loan in XXXX, CA. This so called bank or whatever they are had stolen my money, forged my name and continue to harass me. They continue to increase my payments and had the audacity to say to me. I quote, if I did not like it to walk away. These people are vicious, unprofessional, incompetent and I haaaaaaaaaaaaaaaate them. In all of my life, I have never dealt with such beasts. I am requesting an investigation against these people and their license to be permanently revoked. This business is not a business. They are a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around or about XX/XX/XXXX XXXX XXXX placed a collection on my Transunion credit file. Upon further investigation, this account was transferred or sold and I am no longer responsible for the accountXX/XX/XXXX XXXX has repeatedly failed to verify this account, since my initial dispute in XXXX of XXXX. Also there was no written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt. And anyone can send a bill and say it belongs to me. According to the FCRA,XX/XX/XXXX XXXX has violated my right as a consumer. Therefore, I am requesting legal action to remove this negative item immediately. I have waited long enough for this issue to be resolved.
Product: Debt collection

Dear CFPB, I am writing to you as a resident of Illinois in an attempt to remove a collection account from my credit report. I have contacted the three major credit bureaus - XXXX, XXXX, and XXXX regarding an item listed on my credit report as a collection account, specifically " Credit Collection Serv XXXX ''. Despite disputing this item with all three bureaus and sending letters via mail, I have not received any written or verbal response. XXXX informed me that the collector had responded and that I would receive their response via mail, but it has been over 90 days and I have not received anything. 

I do not believe that this collection account belongs to me, as I have never been contacted by this debt collector through any form of communication, such as mail or phone. Despite this, the account is negatively impacting my XXXX XXXX and overall credit, and I have not received any proof or validation of the debt. As such, I am requesting that this account be removed from all three bureaus since it does not belong to me. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate or incomplete information on my credit report. Additionally, the FCRA requires credit bureaus to investigate disputed information and remove inaccurate or unverifiable information within 30 days. In my case, the credit bureaus have failed to comply with these requirements, and I have been unfairly burdened by this collection account on my credit report. 

Furthermore, the Illinois XXXX XXXX XXXX ( XXXX ) prohibits XXXX from using any false, deceptive, or misleading representation in the collection of a debt. The XXXX also requires XXXX to provide written validation of a debt within five days of initial communication with the debtor. In my case, I have not received any communication or validation of the debt from the collector, which further supports my claim that this collection account does not belong to me. 

In light of the above, I urge the CFPB to investigate this matter and take appropriate action to remove the collection account from my credit report. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

Around the date of XX/XX/year> I applied and got approved for a XXXX Cash back XXXX XXXX XXXX. I paid my credit card on time and accordingly for 6 months. Events that took place in my life caused me to fall behind on my bills which caused XXXX to report 12 months of late negative history on my report. The FCRA clearly states under 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are still reporting this information to my consumer reports. Furthermore the account is listed as Charge-Off and to my understanding by definition The IRS clearly says a canceled or charge off is income. The reporting of this account as a debt is inaccurate.
Product: Credit card

On XX/XX/XXXX I was victim to a fraud call and email scam that resulted in the criminals transferring from my credit card a cash advance into my checking account, then doing a XXXX transaction to a person at a XXXXXXXX XXXX in California. 
I was told on the call to not worry about emails that would be happening during the day. a Few weeks later after not recieving in the mail the new account info they promised i went and saw my back, they told me it was fraud. i then filled a complaint of fraud online in late may. after a week of calls and conversations i went back to a scheduled appointment at my back and closed all my old accounts and opened new ones, so that the access the criminals had would not exist. At that time I was told that everything was being taken care of and to not worry. 
On XX/XX/XXXX i received a letter saying the claim was denied because they had not done anything wrong. i called in and the person told me they didn't know why I was getting that letter because claim was still active. 
On XX/XX/XXXX i had a {$400.00} charge added to my credit card called XXXX credit and a corresponding back fee of {$170.00} added to my account. 
I called in and was told I was in the wrong department but that the fee was in result of them denying my claim and charging me back the fraud credit they gave me in may.

I then preceded to spend 2 plus hours being transferred to nine different people telling my story and always being told that I have to speak with another department. I kid you not, I spoke with the same departments multiple times and had to tell the entire story again. After 8 times they claimed to file there own internal complaint. I am now on my nineth person and she is again telling me she is the wrong department. all I want is someone to tell me they are going to give the credit back to me and take care of this fraud. But Bank of America seems to be a disconnected and dishonest operation that is stringing me along and making me pay additional fees on fraud they should have already taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, Around XXXX of XXXX I discovered a number of accounts on my credit report that turned out to be fraud and were opened online and in person in several banks/credit unions and department stores without my knowledge causing my credit rating to sink. I started to contact all institutions one by one and submitting documents to explain the situation including police and identity theft reports from government agencies. Most fraud departments were very helpful and resolved the matter within 30 days. I am now in the XXXX month with a number of complaints and correspondence with XXXX XXXX XXXX XXXX without any results. Firstly, they took over 4 months to respond to a number of emails/mails and phone messages. A so called " fraud specialist '' named XXXX XXXX XXXX from XXXX finally took my call and said they were backed up and apologized for delaying my requests to view my case and asked me at this point to re-send my police report.. I did once again and after several months of trying to get ahold of him another member named XXXX XXXX in management ) took my call and essentially told me that I myself was my identity thief.. Yes, she said my voice sounded like the person opening the accounts, she also told me I was on video opening this account in their bank.. I've never been in this bank. She then tried to justify her claims by asking me for my personal information i.e. address/phone/email/dob, and of course everything matched. I told her once again that the information probably matches because my identity was comprised including my email, but she wasn't listening. She asked me what the names of my parents were and claimed that matched as well. Now I'm no expert, but if my information was utilized by a thief it is obvious that the same information is going to be used to open whatever accounts the suspects were looking to establish. In conclusion I am asking for help, since I wasn't able to resolve the matter with this banks own fraud department and found many levels of incompetence, malpractice, false accusations and even discrimination. I felt I was talking to someone who was in fact supposed to help me was asking me if I'm sure I was a victim of identity theft and if that was possibly myself. If anyone knows what its like to go through the mere fact of trying to clear things with financial institutions and then having the very banks fraud department telling me the my email matches the account in question should understand that this department needs new staff and/or is mismanaged.. I will make further reports of this experience to all other agencies registered with state and government and will seek legal counsel if it isn't resolved. 
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Checking or savings account

Identity theft I was just made aware there are multiple bank accounts in my name that I did not open.
Product: Credit card

I went to pay my Amex. It showed I only owed a small amount. However the amount of the bill was over XXXX. I paid the total which over XXXX. I then went and looked at the upcoming closing bill, and realized there were over XXXX in credits on the bill that yet to close. I immediately realized it was applying the credits to the already closed bill. I went in and hit " cancel payment ' for the XXXX. And then paid the minimum of XXXX some odd dollars. The reason being is that if I had not done that, Amex system will automatically take that overage of XXXX and apply to s pay over time portion of my card, shock I did NOT want or authorize. 

The cancel showed in the screen with XXXX pending processing. This was within 20 minutes of the initial transaction. I then receive XXXX emails hours later saying XXXX PAYMENTS were processed. This is unacceptable for XXXX. I then decided to wait a few days to let the next statement close and call if needed. I called and the representative basically said too bad. This is unethical as I as the cardholder and customer should have the right to determine where my payment/money is applied as long as any minimums are met. It should not be up to a system and as well system errors. 

I asked for a supervisor ( and had to fight to get XXXX ). 

A supervisor came on and edit idly told me the same. I pointed out it was obvious what I had done as why would I pay XXXX and then XXXX.? She argued but in the end found a way to put a XXXX charge from my current stating to the pay over time to help even things out. I accepted this as a temporary measure. But am not satisfied as now that sticks with interest and XXXX higher balance on the pay over time portion. 

This is unethical and should be illegal for a card network to force you to allow their erroneous payment system to make decisions for me as a consumer. This is my money and I did NOT AUTHORIZE the application of funds to the pay over time, and the Amex 'cancel ' payment option did not work. ( Even though it showed as cancelled and then disappeared ). 

This is an injustice and I was n't treated well during the process. The Amex system has issues, thus happened in the past and the XXXX was x led to reapply the funds and were apologetic. I feel swindled and find this on the verge of being illegal. I am losing money by the XXXX charge being put into the pay over time. I had planned to use the credits within the bill they appeared in as this keeps my expense tracking ckean, and should be my prerogative. I am greatly angry at the unethical practice of Amex and refusal to address glitches in your system.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).