23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

During the course of 30 years, my student loans have been closed, transferred, and resold to various financial lenders ( Direct Loans Servicing System, XXXX XXXX, XXXX, Nelnet, and the Department of Education ). After reviewing my credit report I notice several inconsistencies regarding the account DEPT. OF EDUCATION/NELNET # XXXX in the amount of {$56000.00} and {$66000.00} both payment status section. XXXX is reporting a balance with derogatory payment status. XXXX is reporting a balance of {$66000.00} a current payment status and XXXX is reporting a balance of {$66000.00} and {$56000.00}. Now all three of these balances cant be accurate. In addition, DEPT. OF EDU/DIRECT LOAN SERVICE SYSTEM XXXX and XXXX reported closed {$0.00} balance on XX/XX/2013. These student loans have been closed, transferred, and resold to various financial lenders ( Direct Loans Servicing System, XXXX XXXX, XXXX, Nelnet, and Department of Education. These accounts appear to be furnished by the same creditor so why is all the provided data differently? It is your duty to ensure that all information reported is consistent and most importantly, accurate and you have failed to do so. Please INVESTIGATE, REMOVE/DELETE these ERRONEOUS ITEMS IMMEDIATELY. Let this be a formal complaint against XXXX XXXX, XXXX, and XXXX.
Product: Debt collection

On XX/XX/XXXX, I sent a certified letter to Allied Collection Services , Inc., ( ACSI ) regarding an alleged debt that I owe. I did not recognize the debt. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. A little over a week later, I received a letter stating they have contacted their client and they have confirmed the name and address listed on the above account. However, the correspondence date is dated XX/XX/XXXX and the date of the letter is XX/XX/XXXX BUT it 's post marked XX/XX/XXXX. How did they validate my name and address prior to me requesting a written validation of the debt??? I still have never received the written validation. In addition, Allied Collection Services , Inc., ( ACSI ) has reported this alleged debt to the credit bureaus without allowing me the opportunity to dispute the debt or providing evidence that they are the legal owners of the debt.
Product: Credit reporting or other personal consumer reports

It's my understanding that FCRA 605B obliges us to eliminate any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurate in terms of their reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

Experian reporting XXXX separate accounts two negative one closed paid
Product: Student loan

My loans are with EdFinancials, I applied and was approved for the SAVE plan and when I went to make my first payment in XXXX, everything seemed to be fine, but then I saw the payment was reversed. Then on XX/XX/XXXX {$410.00} was taken out of my bank account. I contact EdFinancial three separate times since the payment was not being reflected on my account. I was told to submit a ticket, I did on XXXX. Then I was also told that the proof I provided ( my account showing the amount, date, time ) details of the withdrawl it was not enough proof. I deactivated my AutoPay and decided to just pay myself every month. I went to check my statement and again on XX/XX/XXXX {$410.00} was taken out of my account and AGAIN is not showing on my account at all. Although all of the representatives I have worked with have been kind I am not getting any answers at all. It's clear that the Dept of Ed is not showing my acceptance of the SAVE program because the amount that's being taken out was my original amount due before I applied for SAVE. EdFinancial has been BEYOND unhelpful and it is so frustrating to see the money being taken out yet not applied to my balance whatsoever.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not want to have this erroneous information in my report
Product: Credit card

On XX/XX/XXXX, I, XXXX XXXX entered XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, MI after speaking with XXXX XXXX. ( Exhibit B- Text Messages ). That same day, XXXX XXXX took my measurements and I paid {$2500.00} towards the purchase of a wedding dress. ( See- Proof of Purchase ) On XX/XX/XXXX, XXXX XXXX reached out to me for additional funds towards the purchase of the wedding dress. ( See- Text Messages ). 
I complied with the request and on XX/XX/XXXX paid an additional {$500.00} for the wedding dress. ( See- Text Messages ) ( See- Proof of Purchase ). 
On XX/XX/XXXX XXXX XXXX reached out to me once again for additional funds towards the dress. ( See- Text Messages ). 
That same day, I complied and sent Owner XXXX XXXX another {$500.00} via XXXX for the purchase of the wedding dress. ( See- Text Messages ) ( See- Proof of Purchase ). 
On XX/XX/XXXX XXXX reached out to me once again for additional funds towards the dress. ( See- Text Messages ). 
On XX/XX/XXXX, I complied and sent XXXX XXXX an additional {$1500.00} towards the purchase of the wedding dress. ( See- Text Messages ) ( See- Proof of Purchase ). 
On Saturday XX/XX/XXXX, I reached out to XXXX XXXX to follow up on the wedding dress that was paid in full, but received no response from XXXX XXXX. 
XXXX XXXX has since shut down her bridal shop ( XXXX XXXX  ) which was located at XXXX XXXX XXXX XXXX XXXX, XXXX, MI and ceased all communication. 
I never received the wedding dress that was fully paid for and has since been forced to obtain a replacement dress. 
On XX/XX/XXXX, I received a message from XXXX XXXX in which she says shes insolvent due to unforeseen circumstances and she is unable to deliver the dress ( merchandise ) within the needed timeframe. ( See Text Messages ) I along with several other brides filed police reports in the XXXXXXXX XXXX XXXX. The detective has now conducted a criminal investigation and informed myself and the other victims that the prosecutors office is pressing charges and they have an arrest warrant to arrest her. An officer had actually met with XXXX XXXX and she told him she can not get the dresses nor does the have the money to give refunds. The officer had his body camera recording and I did a Freedom of Information Act request asking for the footage. 
I filed a dispute with my credit card company ( Discover ). They denied my dispute before I was even able to get a copy of the police report. The report just became available and I uploaded it. I was unable to upload the bodycam footage through the dispute portal. Discover is refusing to issue a refund despite all of the evidence provided including the new evidence. I have now been forced to purchase a second wedding dress and I can not afford two wedding dresses. Despite uploading the police report, discover is alleging that the period for disputes had passed. I explained to discover and it is evident by the information I uploaded that I was not aware I was being defrauded until XXXX of XXXX. I had no reason to know I was being defrauded. 
I just want my money back. I'm already in the process of buying another wedding dress and I'm being forced to pay for two dresses.
Product: Debt collection

After I have told them to stop contacting me, they continue to do so multiple times throughout the day. The call my fathers cell phone as well and were never authorized to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHECKING MY FILE IVE NOTICED ALOT OF INVALID DATA. THIS IS MY 2ND ATTEMPT I AM INTERESTED IN DISPUTING ALL INCORRECT INFROMATION SUBMITTED IN MY FILE. PLEASE REVIEW AN CORRECT INFORMATION LISTED ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$5200.00} ; XXXX XXXX XXXX XXXX Balance {$400.00} ; XXXX XXXXXXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX Balance {$1000.00} ; XXXX A XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MA XXXX XXXX XXXX XXXX BV XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, 2022 ; XXXX XXXX XXXX : XXXX XXXX, 2022 ; XXXXXXXX XXXX Inquiry : XXXX. XXXX, 2022 ; XXXX XXXX XXXX : XXXX. XXXX, 2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit credit reporter act conversion. 
Account number XXXX has violated my rights XXXX XXXX XXXX Balance XXXX Account number XXXX has violated my rights XXXX XXXX Balance XXXX Account number XXXX has violated my rights kick off lending XXXX XXXX Balance XXXX Account number XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX. Bankruptcy XXXX XXXX dismissed
Product: Debt collection

XXXX XXXX XXXX XXXX filed a lawsuit against me on behalf of TD Bank, NA for a Target credit card. They did not inform me that they had this debt in their hands and went straight to filing a lawsuit. On top of that, I found out about the lawsuit through other attorneys sending me advertisements mail asking me if I needed help for a lawsuit filed against me. I took this seriously because I received so many of them, and checked the XXXX XXXX system and saw that there was a lawsuit. I called Target directly and that is when they informed me of this and this was with XXXXXXXX XXXX XXXX XXXX The attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the ones responsible for this. I did not get the opportunity to validate the debt and had to confirm with TD Bank/Target directly after a lawsuit was filed. They also did not try to resolve this with me but instead used the legal system to intimidate me. In addition, to not notify me of what was happening in the hopes they could get an unjust default to win their case against me by me not knowing about the lawsuit. I researched and saw they have a history of just filing lawsuits against people.
Product: Credit card or prepaid card

I applied for t he Barclay Luxury Gold Card an d was accepted in  XXXX   of 2016. T he reason I was so intrigued into this card was because I was told that since I was an  XXXX   XXXX  military member, that I would receive the following benefits as long as I was  XXXX   XXXX  : {$990.00} annual fee to be waived, 0 % interest rate on all purchases, no late payment fees,  0 % cash advance fee and 0 % balance transfer fee. I made sure before I received the card that I would receive all of these ben efits no matter what, as long as I was an   XXXX   military member an d Barclay con firmed this. Today, I received a letter in the mail stating that they were no longer going to honor the original terms and would begin to charge my account {$990.00} a year unless I closed the account. I can understand if they wanted to stop all new applicants from receiving this benefit as it was a promotion to bring in new military members. However, I think it is completely wrong and unjust to blindside a military member who has had this card ( in good standing ) since  XXXX  of  2016 and  not have a grandfather policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a late payment and it was verified as accurate. After thorough research of my report, I found multiple inaccuracies across all bureaus. 


Account name - XXXX account number XXXX In general. -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

In accordance with the Fair Credit Reporting act XXXX Account # 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

My Equifax credit report shows delinquency. I already resolved this error with the debt collection agency and they said they already reported it back to Equifax. 
However, when I contacted Equifax, they insisted that they did not have any update and the delinquency in my report could not be removed. 
This issue caused me major issue when I applied for credit.
Product: Credit card or prepaid card

I accessed my Capital One account on XX/XX/XXXX and it showed my accounts had been restricted. On XX/XX/XXXX I got a letter in the mail stating they were closing my account due to returned payments, however I was not notified prior to them closing my account, nor does it state anything in their terms and agreements about returned payments would result in Capital One closing your account. How can one take it upon themselves to close a customers account without notifying the customer or speaking with the customer. I have been a loyal customer since 2017 and not once have I ever missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over 6 disputes to XXXX, Equifax XXXX XXXX about accounts that were appearing on my credit report from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on which I received a notice back that they were investigated, verified and confirmed as mine. the account stating was opened XX/XX/XXXX was reported opened XX/XX/XXXX that is almost XXXX months later so how was that verified. XXXX removed the inaccurate late payment from the account opened XX/XX/XXXX and then put It back without notice the next month. they have started not reporting my payment history and multiple accounts. I have called in to XXXX and was told that they did take steps to verify and they have mailed me exactly how and I would receive it in the mail. upon receiving the mail there was no proof of verification just a paper stating it was verified and the inaccurate information would be remaining on my account. XXXX and Equifax have also deleted the account that was opened XX/XX/XXXX but remains on XXXX. I have never lived at the residence reporting this information and I have submitted my identity fraud information yet the item still remains on my XXXX account. I am now receiving letters that they could not verify my identity from the information that I have sent in so they have not investigated the issue. how are now the same documents I have been sending to prove my identity now now enough information for you to investigate my claims. 

the credit bureaus have stated that my accounts were properly investigated but how is that possible when the open dates are innaccurate, the date last active is inaccurate, the date of last payment and the account status is inaccurate. this is grounds for removal as they have also violated my rights under 15 U.S.C 1681 section 602 A : states I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 23 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is  impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA in direct violation of fdcpa, fcra, state and federal laws concerning consumer credit report.
Product: Debt collection

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Dear Sir/Madam, I am writing to file a formal complaint with your agency regarding a persistent issue with the reporting of an account by FCO ( Original Creditor : 09 XXXX XXXX ) across XXXX XXXX XXXX, and XXXX. Despite my repeated efforts to dispute this account and seek validation and verification, the inaccurate and incomplete information continues to negatively impact my credit report. 

Here are the details of the account in question : Account # : XXXX Account Type : Collection Account Type - Detail : Collection Account Status : Derogatory Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Balance : {$3800.00} Credit Limit : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer As per the Fair Credit Reporting Act ( FCRA ) and consumer protection laws, I have made multiple requests for validation information and the opportunity to dispute this account properly. However, the collection agency associated has failed to provide the necessary disclosures and transparency required by law. This raises serious concerns regarding their practices, including potential violations of regulations such as 12 CFR 1006.34 and 15 USC 1681-S2 ( 7 ) ( A ).

I respectfully request the following actions be taken by your agency in addressing this matter : 1. Conduct a thorough investigation into the actions of the collection agency in reporting this account without providing proper validation information.

2. Ensure that I am granted the opportunity to dispute this account in accordance with the designated regulations.

3. Hold the collection agency accountable for any violations of consumer rights, including the use of false, misleading, or deceptive means.

Additionally, I hereby demand the immediate deletion of this account from my credit reports with all three major credit bureaus - XXXX, XXXX, and XXXX. 

I appreciate your attention to this matter and trust that your agency will take the necessary steps to uphold consumer rights and address these concerns promptly. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Prepaid card

On XXXX/XXXX/2015 XXXX fraudulent charges were made to my Rushcard. My card was then blocked by the company but I was never notified of such charges. I only found out because I tried to use my card at the grocery store and at that time found out it was blocked. I checked my balance and found that I had much less then when I checked. It earlier that morning and came across the charges. I have been trying to resolve the matter since then. I have been in contact with Rushcard for the past 2 days and they are telling me that their system has been down and they can not help me until it comes back up. So until then I am without my funds and can not pay any upcoming bills I have due their error.
Product: Credit card or prepaid card

On XX/XX/2018, I received two Bank of America letters regarding Secured Business Credit Cards ( Application #, where I had to open a CD in the amount of {$1500.00} in order to process and open the two credit cards.

I applied for one CD on XX/XX/2018 ( Confirmation # XXXX ) and another CD on XX/XX/2018 ( Confirmation # XXXX ). I received two emails saying that " Online application is in progress '' but never received the account numbers or confirmation of opening. Subsequently, Bank of America withdrew {$1500.00} on XX/XX/2018 and {$1500.00} on XX/XX/2018. I have proof of the withdrawal on my bank statements. 

When I called the CD Department, they were unable to locate the accounts and said to call back another time. 

I submitted the Applications # XXXX and # XXXX on XX/XX/2018. I received email confirmation of receipt for them. 

On XX/XX/2018 I called in to Small Business Underwriting to see where we are at. The rep said I have to check with CD first and gave me the run around.

I am out {$3000.00}, no account confirmation of CD 's, and can not even open my two secured business credit cards. This is highly unprofessional.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXXy XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

NATIONAL CREDIT SYSTEMS I have reached out to creditor from a discovery lens, as my credit report reflects collection and closed from the Original Creditor ( XXXX XXXX  ), and National Credit Systems. 

Therefore, this account is reported twice with 2 different amounts on my report. 

Additionally, I received notice that my credit information has been exposed via data breach!