23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Checking or savings account

I have a bunch of fraud transactions that happened on my account, its been happening for a while now, I disputed the transactions with them and were denied days lates saying that those were valid charges, I assume a proper investigation was not made. The problem is when trying to reopen the dispute they ask for more evidence I do not have any other evidence whatsoever, other than my identity theft report, I provided that, was denied even though, of course i do not have any other evidence that my account was used in the improper way, they suppose to have my back as my bank but no. I do not know what to do now since it was a lot of money. A new account was issued and everything, i just need this to be taken seriously.
Product: Student loan

On XX/XX/XXXX, my wife received a request from fedloan servicing asking her to recertify for the income-based repayment plan ( IBR ). The recertification application was due by XX/XX/XXXX. We completed the IBR recertification application and uploaded it via fedloan servicing 's online portal onXX/XX/XXXX. We received confirmation that it was received on XX/XX/XXXX.
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I followed up with a call to fedloan servicing and spoke to a customer service representative. They assured me that the application was complete and that the newly calculated payment ( that would last for a period of 12 months : XX/XX/XXXX - XX/XX/XXXX ) would begin without interruption on XX/XX/XXXX. We later received a communication re : a " hold '' on the account. Again, we called to ensure that the application had been processed correctly and that the new payment would be recalculated and applied to the XX/XX/XXXXdue date. We were once again assured that the new payment would be calculated after theXX/XX/XXXX payment ( i.e., the 12th payment of the cycle ) was applied and that the XX/XX/XXXX payment would reflect this new amount.
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However, today, on XX/XX/XXXXwe reviewed our payment due on XX/XX/XXXX and noticed that the IBR recertification application had not been processed correctly/timely, as the XX/XX/XXXX payment was reflecting as unchanged ( it should have gone down as my wife 's income decreased substantially ). I called and spoke with XXXX and XXXX. XXXX indicated that she would submit an " expedited request '' to have the payment recalculated and applied for XXXX. She said that this would be completed by Friday, XX/XX/XXXX and reflected on the XXXX  statement. I asked that it be reflected on the XXXX statement and she indicated that my wife would have to make this request. I tried to explain that this is not a new request as this should have been done in the ordinary course of things had the paperwork been processed correctly back when we submitted it in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI. on XX/XX/XXXX i could not pay my credit card the balance was XXXX dollars. Then i had called from agency debt consolidation. they told me they can help me on this debt after 10 minutes talk I agree. then we set up the monthly payments then on XX/XX/XXXX they started to take XXXX dollars every month from my account for 2 years. Then 4 months XXXX dollars. So i started paying on XX/XX/XXXX and finish on XX/XX/XXXX after that they sent me a certificate of achievement which says i am debit free. After that i was happy and i forgot about it. But on XX/XX/XXXX i got a letter from XXXX XXXX saying i have to pay XXXX dollars to the recovery agency then i call them i sen what i have they could not find anything. nothing is paid and i think the debt consolidation company scam me. and i have court on XX/XX/XXXX. Thank you.if any documents you need let me know please thank you again.
Product: Debt collection

I had a XXXX credit card for years, paid never had a problem until I purchased an expensive television ( {$2000.00} ) in XXXX that stopped working after 6 month. XXXX would not fix the television and I was not paying the full amount for a television that didn't work. Fast forward to XXXX of XXXX my daughter and I had a joint an account with XXXX bank my daughter called me crying said telling me that her money was frozen for my garnishment from XXXX ( South Dakota ), XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX SD  XXXX. I had no idea this was happening at first the real confusion came with the fact it was XXXX. XXXX final gave us the information of who to contact Rausch Sturm, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX WI XXXXXXXX. It took us weeks to get through. When I finally got thru they were no help I never received anything from the XXXX XXXX Courts or from Rausch Sturm , LLP letting me know anything let alone be legally served with this garnishment. The amount taken was from the account was {$3000.00} the principal amount of the judgment was {$3000.00} they never sent conformation that the money was taken or received until XX/XX/XXXX when I finally got thru to them again. I was trying to refinance my home and it was stopped because of this garnishment of property. To this day {$540.00} is still being held by XXXX for the garnishment I contacted this Rausch Sturm, LLP law firm again asking that they please fix this situation consider I was never notified and they had their money but all they did was refile with the XXXX XXXX Courts to request for garnishment again. I don't understand why or how this is still a problem. This is causing me not to be able to go thru with the refi and has already went passed the date so they have raised the interest rate.
Product: Debt collection

A settlement was agreed upon, and immediately paid. Upon checking my credit report, the debt is still listed as unpaid ( two months later ). Not only this, but when I stated that I was going to pay the settlement, they tried to claim that I stated I would pay in full, and would not accept the settlement. Countless calls led to speaking with a supervisor (? ) who finally came to another ( more expensive ) settlement that I agreed on.
Product: Debt collection

AssetCare, a collection agency, has recently reported a 6-year old alleged debt for the first time to my credit report ( at the height of the pandemic ). I just recently had another medical debt from this same debt collector - and same exact original creditor - for the same exact amount taken off more than two months ago! In that case, my insurance company had not paid a claim and it was resolved quickly after the insurance company agreed to pay the original creditor. I almost mistook this account for the same account being placed back on my report, but apparently this newest credit report account is for a different hospital. I find this highly suspicious that they purchased a 6-year old debt from the same exact original creditor for a different hospital ( the service dates are 4 years apart ) immediately after they were not able to get the payment they wanted for the first account. 

Additionally, this time, after doing a similar investigation that I did to determine the cause of the first credit report entry, there is no apparent debt! Every single person I have contacted, including the original creditor and the billing dept. at the hospital, has stated that they are not aware of any debt or accounts sent to collections. To the contrary, all stated explicitly that my insurance approved and paid out all claims for the service dates mentioned by the collection agency. I also checked my online account for the insurance company and found the same exact conclusion. All claims are approved for this hospital on the service dates in question. It is extremely unlikely that one entity of this hospital would not have had my insurance information while all others did. I have found no evidence of this either. 

Interestingly, after contacting AssetCare, they do not have any information about this debt. They couldn't or didn't want to give me the original creditor 's phone number and the name of the seller of this debt. I have submitted a formal request for bill itemization in conjunction with this complaint. 

A CFPB agent that I discussed the details of this case over the phone also immediately sensed " red flags '' about the story. This case and AssetCare LLC should be investigated for possible unlawful tactics related to seeking and buying debts that are highly questionable simply because they have recently encountered and compiled information on a person. One should not have to fight to clear harmful entries on a credit report because of intentional credit report " mistakes '' a collection agency makes in hopes to get a lucky payment from someone that should not be paying.
Product: Student loan

I received a letter from Mohela, telling me that my federal student loan account has been moved from federal student aid to Mohela. It had an account number of XXXX. On XX/XX/XXXX, I called XXXX and spoke to XXXX. She told me that my name, XXXX, and address were attached to this account. She also said phone numbers XXXX and another one ( different area code ) which I did not write down ; and XXXX were attached to the file. She said that since my SSN was used, it was fraud and to call the fraud hotline at XXXX. I called that number and spoke to XXXX, who looked up all the info. She was able to tell me that on XX/XX/XXXX, a loan for {$3100.00} was disbursed to XXXX University, School ID XXXX, with contact info XXXX XXXX at XXXX. 
I have never heard of this school ; no one in my family has gone to college in over a decade ; and we have never applied for a student loan. 
I would like my social security number, phone number, address, and name removed from this student loan ; and I would be happy to prosecute the person who has stolen this information and used it for their own gain.
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 under 15 USC 1681. 


1.XXXX  # XXXX, has violated my rights. 
I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 

According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Checking or savings account

on Monday, XXXX XXXX XXXX I tried to use my debit card at that my card was declined upon calling Bank of America I was told that my account was closed and that I would not be able to access my money I am currently traveling in the US and advised them that I needed the money and that nothing fraudulent occurred and they refused to reopen my account or make my checking account funds available to me.
Product: Money transfer, virtual currency, or money service

I received a transfer from my friend via Paypal and there were no issues. I used some of the funds to deposit into another account. I sent some of the funds back to my friend and both of our accounts were locked pending review of documentation. I had no trouble providing everything requested. 

I provided the requested documentation and was told someone would review my documents. My account was instantly permanently banned from the platform ( within 5 seconds of submitting my documents ) so this was an automated procedure. Not exaggerating here. To me this is a clear attempt for paypal to steal from their customers via the fine print. They will not give me any reason nor speak to me. 

Customer service gave me an automated copy paste response and refuse to respond to my questions. Paypal is a joke. 

The only thing I can think of is that I am remarried and so the last name on my Paypal account does not match the one on my driver 's license that I submitted. This is ridiculous and they should ask for clarification instead of stealing my account.
Product: Credit card

After using the service XXXX for a few years now to send money to my son in prison and having it charged to my credit card as a regular transaction, no transaction fee, regular interest rate, the Bank of America has recently ( XXXX, 2015? ) reclassifed XXXX as a Money Transfer service so they are now showing it as a Cash Advance item, which is subject to an additional {$10.00} fee AND the much inflated interest rate for Cash Advances. First, no notice was sent that this was happening. Second, it feels predatory on a population of consumers who tend to be the least equipped to take on such additional financial burden - it is the family of the prisoners who pay this fee, not the prisoners who are already being punished. Just to illustrate : My {$100.00} transaction was charged {$6.00} fee by XXXX ( which I was aware of ) then the credit card company charged an additional {$10.00}, then it is treated as a Cash Advance with 25 % interest on the TOTAL amount of {$100.00}, so more than {$25.00} in interest. I 'm not great at math, but I believe that puts the transaction at about XXXX cents on the dollar. The credit card companies do have a choice in how the classify these transactions. Please look into this matter. It is wrong on so many levels. Thank you.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. FDCPA section 807 violation misleading false reporting XXXX XXXX Account Number XXXX XXXX  Please remove it from my credit report. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

A fair resolution to the issue would involve a comprehensive investigation into the unauthorized transactions and account opening, with a commitment to identifying and addressing any security vulnerabilities.
Product: Mortgage

I already sent a complaint and this company and my Land contractor is lying and now I have to find me a lawyer. I did not give them any of my personal information. Not my email, phone number or soc sec #. And you guys just went with whatever they told you so I and sending the info I have proving it happened and that I did not give it to them. XXXX XXXX AND XXXX or my My ex had to give it to them.
Product: Debt collection

Callina A XXXX year old female home phone when asked not to.
Product: Credit reporting

I am a victim of identity theft. There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. 
But Credit Bureaus have failed to give me investigation result
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over 3 disputes/letters to XXXX, Experian, XXXX to correct information creditors submitted inaccurately on my credit report. The supposed accounts have not been properly verified according to fcra 609. They have no proof of my wet signature to verify the account. On XX/XX/XXXX I sent the credit bureaus certified copies of my secretary of stateXX/XX/XXXX which shows I have to debt/loans which they disregarded. The credit bureau nor the credit agency have supplied proper evidence, yet the delinquent accounts are being reported inaccurately. My 3rd Notice was sent XX/XX/XXXX Credit Disparagement Letter Notice Inent to Sue/Notice of Claim of Economic Injury which were notarized and post master certified documents which have been disregarded. I called the credit bureau on multiple occasions and also have gotten no response. I feel the credit bureaus along with dishonorable creditors have purposely caused harmed to my financial/economic responsibility to my country and family. As a veteran I feel the deepest regret to defend such dishonorable corporations.

The following accounts should not be reporting on my credit report at all : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be reported derogatory on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am filing a complaint against Integra Credit for operating a payroll loan service in the State of Arkansas and charging customer 's interest rate beyond the allowed limits in the state of Arkansas which is 17 %. Also, under Arkansas Law payday lenders are prohibited from providing loans to customers in Arkansas.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRAN UNION XXXX : XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) These lenders accessed my credit file illegal and I want them all to be deleted or remove from my file immediately : Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Trans Union for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Best regards, XXXX XXXX
Product: Mortgage

XX/XX/XXXX. My Covid forbearance ended on XX/XX/XXXX. I am requesting from my mortgage company for a Partial Claim through HUD. I can resume making my normal mortgage payments on XX/XX/XXXX as my financial situation is back to normal. I am getting several different answers regarding this information and worried it is not getting done.i attached my covid forbearance packet.
Product: Credit reporting

I have never checked my credit report before this was the first time and I seen many things that do not belong to me such as medical bills and unpaid cable bills I 'm guessing thru direct tv which has never been a provider of mine and I just want to get all theses things cleared up
Product: Debt collection

My girlfriend received a phone call from a Sunrise Credit Services , Inc. about a week ago. She did not recognize the number and did not take the call. Soon-thereafter, this collection company contacted her number again and she decided to find out what was going on. After she identified herself as my spouse ( which she is not ), the collection agency continued to disclose my information to her without properly verifying. They informed her I had a debt with their organization for a phone bill. According to my girlfriend, this agency disclosed a lot of my personal information. The state of Illinois has a spousal restriction law and also third party disclosure laws. These laws have been violated by Sunrise. Upon contact with me, my girlfriend informed me of what occurred. I asked her to call the number back from her caller ID to see what was going on. When the agent answered the phone they specifically asked what number was dialed and then proceeded to state their call was a mistake. However, the agent then asked if she ( my girlfriend ) know who I am. The problem I have with this is, if they claimed they dialed a wrong number how did they come to ask for me? I am pretty sure many violations occurred on behalf of Sunrise.