23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had been up to date for 5 years on my personal student loans. I received a phone call about debt consolidation. decided to move forward with it. ( later found out I was solicited by a third party ) made 3 payments to this third party company and they enrolled me into the federal student loan forgiveness program. problem is I did not know who had my loans. then, about a year later saw it come up on my credit report that I was 90 days late on payments, and saw the company that had my loans. Federal Student Loan Forgiveness program. so I contacted them and immediately got my loans up to date. the problem was I never got a notice in the mail or email. during my phone call it became clear that I was scammed by a third party, and after much deliberation with the person on the phone, they said if I can prove I was solicited by a third party they would fix my credit report. ( score went down by nearly 100 points ) so I wrote a report, got bank statements and printed out articles on the internet where other people were also solicited by Student Loan Relief Counseling ( or counselors ) and sent that into the credit dispute committee. I thought it was clear what happened. they had said that they sent notifications to my inbox I created, but I never did create one, and they also had the wrong cell number for me. so I was really unable to get the information to update my payments. 

They declined my credit dispute because as one person I spoke with said " we didn't tell you to work with a third party '' this was extremely disappointing. they said fixing the credit report had no negative effect on them, so I couldn't understand why they wouldn't want to help me out of a situation I was scammed into. it seems to happen a lot with the third party companies, you would think there was some firewall against that happening. Again, I was told my if I was able to prove I was scammed into the program they would fix the 90 days late, so I put a clear package together showing what happened, and instead it got declined and my credit score went down again. my credit score is still nearly 100 points lower than what it was before this all happened. And I wonder why a program designed to help people In financial need would be so short to dismiss these kind of issues. 

thank you.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed several inaccuracies that immediately raised concern. There were a few ( XXXX ) inquiries listed that I didn't recognize, indicating potential unauthorized checks into my credit history, I contacted the credit bureau to dispute the inaccuracies. Not authorized to share XXXX being infringed upon XXXX XXXX XXXX ( a ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX CFR part XXXX REGULATION V XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX an unauthorized transfer of {$1100.00} was initiated from my Cash App Account to a Bank Account ending in XXXX that I didn't recognize or authorize. The very next day this bank account ending in XXXX was unlinked from my Cash App Account. I later found out from Cash App that the bank this account was associated with was a bank called XXXX XXXX XXXX XXXX XXXX XXXX. I immmediately reached out to Cash App to complain & to inquire about what could be done to get my money back. I was told that they would log my complaint & investigate it. I was told this for months & each time I would have to call back into Cash App to inquire about my missing money. I was never able to speak to the same person twice so each time I would call to find out if any news has came from my previous call & complaint, I would end up having to explain the entire situation all over again from the begining and after which the person I was speaking with at that time would file another complaint & tell me that someone would be in touch with me. Finally I was able to get them to send an indemnity over to the bank that received the funds from my account but nothing came of it. I eventually found out that Cash App did not send any context or information backing up the indemnity request but just requesting this money back. Which was denied by the XXXX XXXX XXXX since no information to support anything or even an explanation was given to them. I have account records, email exchanges & also Cash App just agreed to pay {$15.00} XXXX to their customers from a lawsuit that was concerning these very topics.
Product: Credit card

I have never had any Wells Fargo credit cards & getting phone calls for 5+ years from XXXX & recently, since XXXX, messages for a " XXXX XXXX XXXX & been in Wisconsin since XX/XX/1995 & never known any XXXX! 

I changed my cell phone number 4 years ago or so to XXXX & phone calls followed me to this number! 

I sure won't change my phone number anymore. 

I registered my number on the donotcall.gov list once a year for at least 5 years & spoke with them on the phone quite a few times. 

I might have to call the XXXX Police Department to file a complaint.
Product: Debt collection

The XXXX Credit Bureau is reporting inaccurate information on SPRINGOAKCAP. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

SPRINGOAKCAP XXXX Balance {$590.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Product: Debt collection

I have requested over 10 times since XXXX for XXXX, XXXX, and XXXX to remove this account that i have also directly requested to be removed from the credit directly. Pentagon Federal Credit Union I am writing to bring to your immediate attention a serious issue regarding unauthorized charges on my credit report that have persisted since XXXX. Despite my numerous efforts to resolve this matter, it remains unresolved, and my credit continues to be adversely affected and my life financially harmed. Please see attached police report In XXXX, I received a credit report indicating unauthorized charges. I promptly contacted the company to dispute these charges, providing them with a police report to support my claim of identity theft. 

However, the company erroneously asserted that the charges belonged to me, despite the clear evidence I presented. It is now XXXX, and these unauthorized charges are still being reported on my credit. My repeated requests to have this erroneous information removed have been ignored. This practice is illegal, as is the continued reporting of this debt, particularly when I have furnished proof of identity theft to both the credit bureaus and the bank involved. This debt is unverified, does not follow the requirements and is a violation of 15 U.S.Code 1692g. Please see attached credit report According to the ruling in XXXX v. XXXX XXXX XXXX XXXX, if no proof of the alleged debt is provided, then no debt exists. 

To date, I have never received any documentation substantiating the claim that I owe this debt. Moreover, the statute of limitations has long since expired. The continuous reporting of this false debt not only violates my consumer rights to privacy but also constitutes false misrepresentation, mail fraud, and identity theft. 

The financial harm caused by this situation has been ongoing for almost 7 years, severely impacting my life. 15 U.S.Code 1692a ( 6 ) states Pentagon Federal Credit Union and subsequent buyers are all debt collectors by law. They are not registered in my state of Georgia. 15 U.S.Code 1692c ( b ) law. However the debt collector, Pentagon Federal Credit Union and the subsequent debt collectors have communicated with the all caps name principal obligor, XXXX XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code 1692c ( b ). I also did a certified search for any debts owed by me to others in the state of GA and there are none. Please see attached ucc lien search. How does one owe with a debt collector who is not registered and also has not filed a lien since the alleged debt was owed. Where are they getting their debt validated from? 

Attached is my original dispute. Its still reporting after being deleted years ago. This is a metro 2 compliance violation. 15usc 1692j is violated as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be a respond from an earlier complaint ( ID # XXXX ) I filed last week. thank you for the quick turn around. I received a copy of my EXPERIAN Consumer report after the first complaint. I see multiple names, addresses and Social Security Number. I disputed those information on my report back in XX/XX/2021 with no resolution. A copy of my report will be uploaded below.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Recently, I had a " delinquency '' status placed on an account that I had recently closed with XXXX XXXX for a car I leased in XXXX. I have always made timely payments on my account, and decided to buy out the lease, which I sent pay off on XX/XX/XXXX before the due date XXXX XX/XX/XXXX XXXX for my usual lease payments. However, I found out through my credit report alerts that my credit score went down by 75 points because of a delinquency status placed by XXXX XXXX. I submitted a dispute with Equifax with supporting documents to prove that I have never been delinquent. However, I found out on my investigation results that they only changed the date of the delinquency status rather than deleting it. They clearly did not investigate this thoroughly and did not look carefully at the documents I had submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account number : 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 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.

I CAN PROVE I WAS DISCOURAGED TO PAY WHILE IN THE DISPUTE PROCESS.

I CAN PROVE I WAS DENIED ACCESS TO THE ACCOUNT TO RETRIEVE DISPUTE UPDATES AND MAKE PAYMENTS. 

I CAN PROVE XXXX TOOK ACCOUNTABILITY FOR THE MISHANDLING OF THE DISPUTE. 

I CAN PROVE XXXX PROMISED TO REMOVE/ CORRECT THE NEGATIVE REMARKS. 

I CAN PROVE XXXX RENEGED ON THEIR ACCOUNTABILITY AND RESOLUTION AND WITHOUT MY CONSENT AND DECIDED TO CREDIT ME FOR LATE PAYMENTS VS ADDRESSING THE VERY DAMAGING AND INACCURATE REPORTING. 

I CAN ALSO PROVE THAT I WAS COERCED TO MAKE A PAYMENT ON XX/XX/31 AFTER I WAS LIED TO ABOUT CORRECTIONS THAT WAS SUPPOSED TO BE MADE AND THAT PAYMENT STILL DID NOT REFLECT ON THE REPORT. 

DESPITE MY FAMILY PURCHASING A VACATION RENTAL DESCRIBED AS MODERN W/ *PRIVATE* POOL & JACUZZI, I CAN PROVE XXXX FEELS THE HOST IS ENTITLED TO BE PAID ALTHOUGH THEY ILLEGALLY RECORDED MYSELF, HUSBAND & XXXX XXXX  CHILDREN. 

XXXX XXXX ALSO WAS USED TO PAY FOR PART OF THIS BILL AND THEY DETERMINED THE OPPOSITE. 

XXXX HAS MADE ME A VICTIM OF THEIR UNFAIR PRACTICES AND POLICIES.
Product: Credit card or prepaid card

I was fraudulently enrolled and subsequently charges for " card security '' on my Amazon / Synchrony bank card the past 3 months. This is a service I would never enroll in. 

I've since cancelled, however, the company has a rule around " you can cancel within 90 days and charges will be refunded '' however!!!!!! For their convenience, they've backdated the enrollment date to the same date that I opened the amazon card account, so no refund will be issued. 

Interestingly enough - I went several YEARS without any of these bogus charges, and then out of the blue, was hit with these charges in XXXX 2020.
Product: Vehicle loan or lease

Unfortunately, there are several things to complain about with  BMW Financial Services.      First, The check i sent on  XXXX  was cashed b y BMW  on  XXXX  a ful l two wee ks after sending. This is a typical timeframe f or BMW to cas h a check. It was sent from NY to KY. This check, along with all others was sent with the remittance from statement, but never applied to my account. I called several times and even emailed a copy of the cancelled check to  XXXX  XXXX  XXXX  on  XXXX . Still no answer.     I called today  XXXX , they tell me a manager should call me back w ithin two days!!      Second, I send my check for my lease each month on or about the  XXXX . Many times it is n't cashed until the  XXXX  of  XXXX  of following month and they want to charge a late fee. Due date is the  XXXX .     Third, they have been harassing me, by calling on my cell phone at le ast 12 tim es a day, a clear violation of FDCPA. Even after I instruct not to call my cell phone, they continue to call.     Now, i am accruing late fees, harassing phone calls and no doubt blemishes to my perfect credit while they maintain my money!!! All due to BMW 's ineptness.
Product: Credit reporting or other personal consumer reports

Jefferson Capital was removed, because it wasn't verified, now suddenly after the breach it reappears. This is double sabotage!
Product: Checking or savings account

Hi, There was an online fraud on my checking account ( opened in Citibank XXXX XXXX, XXXX ) of more than {$130000.00}, where a lot of our money was withdrawn online by someone unknown, without our information, authorization, or confirmation. 

And yesterday we received bank 's investigation results. 

First we need help with this fraud investigation Second, Citibank said they will NOT re-imburse {$69000.00} out of the total of {$130000.00} money that was stolen from our bank account. 

Are these two things, something you'd like to help out with?

Our current residence is XXXX, WA XXXX P.S. - attached are - 1 ) screenshot for all fraud transactions with amount, date and merchants involved.

2 ) Few Merchants and card holders informations whose payments were made with my account please let us know. 
thank you
Product: Debt collection

Santander, Act # XXXX Subject : Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ) This letter serves as a formal demand for validation of the debt related to the auto loan account you claim I owe, referenced by account number [ Account Number ]. I am requesting that you provide me with the necessary documentation to verify that I am legally obligated to pay this debt.

As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am requesting the following : Proof of the original creditors name and address I demand to know who the original creditor is and how they claim I owe them money. 
Detailed statement of the amount owed, including any interest, fees, or penalties that have been applied to the principal amount. 
A copy of the original contract or any legal agreement that I supposedly signed, agreeing to the loan terms. 
A complete payment history to verify the amount they claim I owe and any adjustments made to the account. 
Proof of assignment or ownership of this debt, indicating that you have the legal right to collect it on behalf of the original creditor. 
A copy of my credit report showing the impact of this debt, including any derogatory marks and how it was reported.

Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ), if you fail to validate this debt within 30 days of receipt of this letter, you are required to cease reporting this debt to credit bureaus, and you must remove the derogatory mark from my credit report immediately. Failure to do so will result in me pursuing legal action to enforce my rights under the FDCPA and FCRA. 

Please be advised that I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office if this matter is not resolved in compliance with consumer protection laws. 

You are further prohibited from engaging in any further collection activity until the debt has been validated as per the law. If you fail to provide the requested documentation or continue reporting the disputed debt without proper validation, I will hold you accountable for any violations. 

I expect your prompt response, but no later than 30 days from the receipt of this letter. Failure to meet these legal obligations will force me to take further action, including but not limited to pursuing legal remedies to remove this debt from my credit report and potentially seek damages. 

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

I have disputed XXXX accounts on my Experian Credit report about XXXX XXXX XXXX XXXX XXXX. They are not reporting my monthly payments on my accounts to credit reporting Agencies, and My Experian report is showing incorrect balances on these XXXX accounts.They also have my late husband still listed on the accounts as Joint. He has been deceased since XX/XX/2019. 
Experian will not correct the errors, which is causing my credit score to be negatively affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Santander Consumer a certified letter with return receipt in order to dispute the derogatory remark the company placed on my credit and is visible on my credit report. I requested that Santander Consumer, immediately delete this derogatory remark. The last reported activity on this account was reported when it was closed on XX/XX/XXXX, 4 years ago. I requested that your company send me a response to which the remark will be removed or not to my address listed above within 30 days. Please keep in mind that derogatory credit accounts are defined as the following : disputed accounts with late payments in the last 24 months however my account has been closed for 50 months now. The 30 days have passed and I have not received a response from the company. However the return receipt proves that they did receive the letter I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had input a Hard Credit Inquiry on my credit report, which I did not authorize. Moreover, I specifically requested that the phone conversation be recorded and they will not pull my credit. After I discovered a first hard inquiry on my credit report from XXXX, I contacted them by phone and spent an hour being transferred to different people, and via email in effort to remove the hard inquiry from my account. Got a response by email that my request has been submitted. Checked my credit report again two weeks later, and found a second (! ) hard inquiry from XXXX on my credit report. The credit bureaus ( XXXX, XXXX ) claim they can not remove an unauthorized inquiry from my account.
Product: Debt collection

In XXXX of XXXX I went to landlord tenant court with my landlord XXXX XXXX at that time he was granted possession of the property and he got to keep a XXXX security deposit that we had paid to move in the property. 
In XXXX of XXXX a collection agency called Williams Alexander contacted my partner stating that we owe XXXX dollars I have no idea what this debt is about. In XXXX of XXXX I noticed this debt on my credit report. I have disputed it many times and I am now starting to see payments being made on this debt. I have made no payments on this debt I dont know who is making the payments, and Im sure the bank account or credit card numbers will not match mine if it is investigated. This man XXXX XXXX has my social security number and I dont know what he is doing with my information. Please help me with this matter I pay all of my bills on time and I believe this man is somehow manipulating information being that I had to give him my personal information upon renting the house.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX  - BALANCE {$3700.00} Account Name : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX BALANCE {$3200.00} Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached- Dear CFPB. I am a victim of identity theft. Early Warning Services has been reporting multiple fraudulent accounts to my consumer file that were not opened by me. This has been preventing me from opening bank accounts across various banks. I want these accounts removed from that file immediately.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

I have been contacted by Midland Credit Management atleast 8 times now in the past week and a half. They have used skip tracing tactics to contact me a family member of the person they are seeking. I have on several calls told them to stop contacting me and remove my number, they ignore these requests and spoof a fake number every time they call me.