23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As of XX/XX/2022 The Credit bureaus stated Account Name BANK OF AMERICA XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these agencies written permission to furnish these accounts on my credit report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, before and after I have submitted numerous request to verify and update data as stated on current credit reports. Despite this the complained of agencies continues to update and verify false and incorrect data as you will see on my most recent disputes / complaint ( attached is a copy ) of the hard copy sent to XXXX, XXXX, Equifax and to guys concerning my issues.
Product: Debt collection

This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and XXXX v. XXXX XXXX, 987 F.2d 288 ( 5th Cir. XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been out of school for 10 years and paid off my student loan balance in XX/XX/2020. All of my student loans have been serviced by XXXX XXXX. All 3 credit agencies ( XXXX, XXXX, and Equifax ) show over 40 student loan accounts ( some of them from my XXXX degree which were paid off over 15 years ago ) which adversely impact my credit score. I am trying to buy a home and this is negatively impacting me. Many of the " accounts '' are loans with the same date. They won't fix this, and I submitted complaints with all 3 credit agencies. Their interface times out after 5 mins so it's impossible to go line by line to ask them to fix this issue. I have a XXXX balance and neither party thinks its their job to do anything. XXXX XXXX, whom I called weeks ago, tells me to contact the credit agency, and the credit agencies tell me to contact the servicer to have the loan removed. Now I am stuck in the middle. This is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

collection account XXXX XXXX consumer reporting agencies verified the account as mine but the name is not mine XXXX XXXX XXXX XXXX Also the account was sold to XXXX XXXX XXXX back in XXXX so how can XXXX companies claim it there account? 
they are violating my privacy by having my private information without my written consent.
Product: Money transfer, virtual currency, or money service

{$2500.00}, was sent from my chase account and when i contacted the bank they didnt help me receive my money back and said since i sent it to them i will not receive the money back. however i did mention to them that it wasnt my doing and wanted to raise a complaint but nothing happened. 
in another case i lost {$300.00} and when i contacted the back-XX/XX/XXXX, they said it would take 90 days to identify the problem and then an action would be taken but nothing happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is TRANSUNION 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting a inaccurate credit inquiries on my credit report. The first is from XXXX XXXX on XX/XX/2023. The second is from XXXX  XXXX XXXX on XX/XX/2023. The third is from XXXX XXXX on XX/XX/2023 This is incorrect and TRANSUNION has already agreed to remove these from my credit report. I spoke with XXXX from TRANSUNION via the phone on XXXX XXXX and was told these would be removed. They are still reporting on my credit report. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these inquires resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction or permission to furnish these inaccurate inquiries on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

XXXX XXXX XXXX sent a debt of {$470.00} to XXXX XXXX XXXX XXXX. in XX/XX/XXXX. XXXX XXXX XXXX XXXX used XXXX XXXX for debt collection. 
I paid this debt in full ( {$470.00} ) in XX/XX/XXXX. I have a bank statement showing this payment cleared and was paid to XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to collect this paid debt. I requested verification and that they cease all attempts to collect the debt, in writing in XX/XX/XXXX and I sent proof of payment ( bank statement copy ) in writing in XX/XX/XXXX. In XX/XX/XXXX, I  received a call from Cascade Capital LLC XXXX XXXX attempting to collect this same paid debt. I asked that they provide proof I owe this debt. 

My concern is that I am being contacted for a debt that was paid in full and now the burden falls on me to repeatedly prove it when it should have been marked as paid when it was paid in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

RE : Formal Dispute and Demand for Full Compliance with the Fair Credit Reporting Act ( FCRA ) This is a formal demand for the immediate reinvestigation of the following fraudulent accounts listed on my credit report : Account Number : XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and have no basis in fact or law as they were neither opened nor authorized by me. In your prior investigation, you claimed the accounts were verified. However, your actions indicate a failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable and thorough investigation. 

Violations of the FCRA : XXXX. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation when an item is disputed. The verification process you conducted was clearly inadequate, as no valid proof of my connection to these accounts has been provided. 
XXXX. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Upon completing your investigation, you are required to provide a detailed explanation of the procedures you used, including the name, address, and phone number of the furnisher of information. This was not provided in your response. 
XXXX. 15 U.S.C. 1681e ( b ) : You are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on my credit report. Continuing to report inaccurate and fraudulent accounts violates this provision. 

My Demands : XXXX. Detailed Method of Verification : I demand a detailed explanation of how you verified these accounts, including : A step-by-step description of the reinvestigation process you conducted. 
The specific documentation you relied upon to verify these accounts. 
The name, address, and contact information of the data furnisher ( s ) for each account. 
XXXX. Immediate Deletion of Fraudulent Accounts : If you can not provide irrefutable evidence that I authorized or opened these accounts, they must be permanently deleted from my credit report under 15 U.S.C. 1681c-2 ( a ). 

This is your opportunity to correct these errors and resolve this matter amicably. I trust you will treat this matter with the seriousness it warrants. 

I expect your written response, including all requested documentation, within 30 days of your receipt of this letter.
Product: Credit card or prepaid card

But he used my personal information my ID and my social security card to sign up for a credit card and their name and they were approved for {$500.00} and {$300.00} Credit Card ending in XXXX for a total of {$320.00} Credit Card ending in XXXX for a total of {$440.00} I never applied for a credit card from capital one. That was fraud
Product: Credit reporting or other personal consumer reports

The vehicle was purchased by and awarded to my ex-husband in the final judgment of our divorce. He decided that he didn't want to keep the vehicle and arranged for Credit Acceptance to repossess the vehicle. I was contacted by Credit Acceptance and informed them of the above information.
Product: Credit card or prepaid card

I applied for a care credit through Synchrony bank back ion XX/XX/XXXX. At that time they started taking on some sort of fee called card security which i at no time signed up for. I called them in XXXX and last year XXXX and ask them to stop charging me for this and to cancel. Both times they said it was canceled but yet they have continued to take between XXXX and XXXX dollars out each month for this service which comes up to about XXXX bucks for at least two of the years and XXXX the first year. I am getting no where with trying to resolve this through them so that I can get my almost {$600.00} dollars back that has been stolen from me. I NEED this resolved and my money back.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and I have been a victim of identity theft. 
The fraudulent inquiries listed in this letter must blocked from TransUnion credit bureau. 

By my written letter I confirm I am the person who is sending all required paperwork to block those inquiries. 
Please take an immediate action to remove them from my credit file according 605B of the Fair Credit Reporting Act. 

Identify inquiries result from identity theft that should be blocked or deleted. 

XXXX XXXX  XXXX Reported on XX/XX/year> XXXX XXXX  Reported on XXXX XXXX, XXXX. 


Best Regards XXXX XXXX Phone number : XXXX Email Address : XXXX XXXX
Product: Student loan

I sent this to them : My Formal Dispute of Loan Repayment Due to Unauthorized Third-Party Data Breach I am writing to formally dispute the repayment of my student loans due to a severe and unauthorized breach of my personal and financial information, which appears to violate the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974. Recent investigative reporting from USA TODAY and The Washington Post has confirmed that XXXX XXXX Department of Government Efficiency (XX/XX/XXXX) has been granted unauthorized access to federal student financial aid databases, including the National Student Loan Database System ( NSLDS ) and the Common Origination and Disbursement ( COD ) System. 

The University XXXX California XXXX XXXX has already filed a lawsuit in federal court, accusing XXXX of illegally infiltrating systems that house personal financial aid records. A U.S. Department of Education employee has further confirmed that XXXX team has viewed sensitive financial data of students receiving federal aid. These actions represent a clear violation of FERPA, which mandates that student records can not be accessed without explicit consent, as well as a potential breach of federal regulations governing student loan agreements. 

As a borrower whose financial data has been unlawfully accessed, I believe this compromises the integrity of my loan agreement. If my contract states that unauthorized third-party access voids repayment obligations, then this breach has rendered my agreement unenforceable. I demand the following immediate actions : 1. Formal confirmation from XXXX regarding whether my financial records were accessed or compromised due to this unauthorized breach. 
2. Immediate cancellation and discharge of my student loan debt on the grounds that the agreement has been violated by external interference. 
XXXX. A written response within 30 days outlining the steps being taken to protect my financial information and ensure compliance with federal privacy laws.

If this request is not addressed, I am prepared to escalate this matter through legal action, including joining any class-action lawsuits that may emerge in response to this breach. I will also be filing formal complaints with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ) to investigate this violation of my rights under federal law.

Please respond to this letter as soon as possible to confirm receipt and outline the next steps. If you require additional documentation, I am happy to provide supporting evidence. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

in XXXX my XXXX credit card went into collections. i had lost my job and hobbled into XXXX working independently, and then the pandemic happened. XXXX and XXXX were hard for all of us. nevertheless, i paid my entire debt in full as agreed- i requested no settlement. my last payment was in XX/XX/XXXX. 

from XXXX through XXXX the debt was transferred between multiple collection agencies, and each time it moved, this altered the date of the debt on my credit report, which should be illegal. 

almost XXXX years have passed. i have paid the entire debt in full. i have sent XXXX XXXX requests to target asking them to please consider removing the negative remark from my credit report. and each time they have declined saying its not them, but the credit bureaus that wont allow them to change it. i know this is untrue because i have had a remark removed by the creditor in the past. 

i otherwise have excellent credit ( high XXXX ) and i have longstanding, strong relationships with my other creditors. this XXXX negative remark is holding me back from so many human necessities like healthcare etc. why wont they remove the remark as a courtesy to help someone out? sheesh!
Product: Debt collection

I am writing to bring to your attention a serious error that has occurred on my credit file. It has come to my notice that a bankruptcy entry has been incorrectly placed on my credit file with your court. This bankruptcy claim does not pertain to me, as I have never filed for bankruptcy, nor have I ever been involved in any bankruptcy proceedings. 

I kindly request your immediate assistance in rectifying this mistake by removing the erroneous bankruptcy entry from my credit file as soon as possible. The inaccurate information has severely affected my creditworthiness and has caused unnecessary stress and inconvenience. I believe this error is damaging to my financial reputation and has the potential to hinder my ability to secure credit in the future. 

I am attaching a copy of my credit report highlighting the incorrect bankruptcy entry for your reference. I kindly request that you conduct a thorough investigation into this matter and promptly update my credit file with the correct information, confirming the removal of the erroneous bankruptcy entry. 

Additionally, I would appreciate it if you could provide me with written confirmation once the correction has been made and the incorrect bankruptcy entry has been removed from my credit file. This confirmation is crucial for my records and peace of mind. 

I would like to thank you in advance for your prompt attention to this matter. Your assistance in resolving this issue is highly appreciated. If you require any further information from my end to expedite this process, please do not hesitate to contact me by email at XXXX I trust that this matter will be resolved expediently, and I look forward to receiving confirmation of the correction.Thank you for your understanding and cooperation.
Product: Credit card

I spoke to a rep at Bank of America in XXXX and was told, because I had a complaint opened with an executive services department and was waiting for a resolution, I was unsure how much my monthly payment should be. I was advised of the amount to pay, paid it, then received a mark on my credit report showing a late payment for XX/XX/XXXX. After attempting to correct this with multiple representatives, I was put in contact with someone new from their exective office who sent me a letter, in registered mail, that basically said, as per the law, they were required to report me as late in XXXX.. Case closed. This is UNACCEPTABLE
Product: Debt collection

XXXX of 2017 I put a down payment down on a dog. I was told the cost of dog was {$1200.00}, and had agreed to pay that through a financing program. The name of the institution is Monterey Financial. After the {$1400.00} was paid ( 1 year later as I was told ) the institution continued to take money from my account. Therefore I stopped payment by calling the bank & paying the bank a small fee.

They are continuing to call my phone and Im concerned this may affect my credit in a detrimental way.
Product: Debt collection

On XX/XX/XXXX I was rear ended by a gentleman in XXXX Georgia. His insurance company and mine cited him as at fault. The claim number is available with XXXX. After visiting the XXXX XXXX in XXXX XXXX XXXX, I was ensured that the bills would all be covered by XXXX. As of XX/XX/XXXX the check from XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  was CLEARED. Unbeknownst to me, several months later, the XXXX XXXX XXXX XXXX XXXX had sent that same bill for the amount of {$800.00} to collections. It has shown up on my credit score three times now. Each time I have resubmitted the documentation stating such, and it was removed. Now, however, Wakefield Associates, who has been very understanding and helpful this far, reported this bill yet again. They produced a letter to the credit bureaus ( XXXX, XXXX, and XXXX ) and I still have the receipt from XXXX showing the paid in full amount of {$800.00} on XX/XX/XXXX, but XXXX did not reverse this debt when I disputed it this time. I am concerned that XXXX XXXX XXXXXXXX XXXX XXXX is continuing to harass me and affect my credit score, as well as having never sent me a bill, and have not provided me with any contact information so that I may send them the receipt from XXXX. They come across as a medical scam agency. There is no contact information online that leads to anyone at XXXX XXXX XXXX XXXX XXXX Wakefield and Associates does not have that information, and XXXX XXXX XXXX, where I received care after the accident, does not have any contact information for this supposed billing or representation group for the doctor I supposedly saw after the accident. Im 100 % not liable for this {$800.00} bill, and it is causing me undue hardship, as I am trying to increase my credit score and I am tired of getting new collections bills from a different agency every time this company isnt able to collect. I have documents for every part of this complaint and can fully prove that I am not liable, yet XXXX XXXXXXXX XXXX XXXX XXXX remains unreachable for me to even attempt to have that company remove this debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX  XXXX {$6400.00} XXXX XXXXXXXX XXXX XXXX   XXXX {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very difficult to get to a live person at the three credit bureaus, XXXX, Equifax and XXXX. Sometimes there is a question that can not be answered using the automated answering system or FAQs. Senior Citizens, especially, have extreme difficulty using the automated phone systems and using online websites. They often just want someone to talk to. There needs to be a straight forward way to achieve this.
Product: Credit card or prepaid card

I am writing this complaint for Regulation E complance by American Express. On XX/XX/2022 I had 3 fraudulent transactions that posted to my American Express Gold Card that was lost from my possession in the XXXX XXXX. I called on XX/XX/XXXX and informed American Express of the issue and was told they would investigate the charges. Per Regulation E I was supposed to receive provisional credit within 10 days for the transactions that I did not authorize while they investigate the fraudulent transactions. I have only received provisional credit for 1 of the 3 transactions and that credit was posted on XX/XX/XXXX. After discovering that I did not receive credit for those 2 other transactions I called back on XX/XX/XXXX and was told that they were indeed apart of the initial report and that the report was still open and being worked on. After not receiving a letter to confirm the transactions or hearing anything back I called once more on XX/XX/XXXX and was told that the investigation team only received confirmation from the merchant, where the 3 transactions originated and that I have no relationship with, that they only heard back about the 1 charge being unauthorized but they did not get a confirmation about the other 2. Nonetheless, I was informed that I would receive a provisional credit on XX/XX/XXXX. As of today XX/XX/XXXX, I have not received a credit.
Product: Credit reporting or other personal consumer reports

I have been disputing the errors on my credit report with TransUnion for over a year. As of XX/XX/2023 they have blocked me from my own report. I tried weekly on XXXX XXXX XXXX  and was denied every time. I then called TransUnion, the said the escalated my complaint and I would be contacted, but I never was. This is illegal. They can not block me from my own report. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a continued issue with my credit report. I can not unlock my credit report because they continue to not update my validation date. Even when I sent what they requested via a complain to update any and all invalid data with proof via the CFPB complaint system.
Product: Credit card

I lost my XXXX XXXX I called Key bank credit card to inform them, I then asked to speak to someone in the hardship department. I missed an XXXX 2016 payment, In XXXX I called them they said to send in XXXX, I still asked to speak to someone in the hardship program they said I had 60 days to pay XXXX, when I called back they said I was misinformed. I am speaking to representatives from XXXX who would not even give me the address to the hardship program. I have been sending in payments and they refuse to work with me and continue to add on late fees and higher min payments I am sick and still disable with out any income other then my children helping me stay on track but the refused to help when all my other credit cards have.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX