23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was called at random by a debt collector called Wakefield Associates, saying I owned over XXXX dollars and had 6 invoices. They when I visited the hospital on XXXX XXXX and I rebutted by saying that I was not even there for an hour so I why is it XXXX dollars? I went to the hospital that day for an XXXX XXXX. All the doctors did was tell me what I already told them, gave me XXXX and sent me on my way. I had owned over {$600.00} to the hospital at one point for this but those charges were dropped. I shouldn't have to pay anything! I need this disputed.
Product: Credit reporting

Equifax has many times refused to investigate the underlying debt from XXXX that produced a lien from the State of Michigan, even though that lien and the underlying debt was disputed and eventually deemed not owed. Due to the lack of response from the State of Michigan, it took over year for the lien to be removed after the state was legally required to remove it. 
Equifax continues to confirm that the lien was there up until XX/XX/XXXX, but never looks at the underlying debt date and disposition. They refuse to do a full investigation on this item and refuse to remove the lien that was based on a debt not owed from over 10 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of the Equifax XXXX XXXX in XXXX & the XXXX & XXXX XXXX XXXX XXXX  of XXXX & XXXX. As a result there are accounts on my credit report that I did not open, nor did I authorize anyone to open on my behalf. On XX/XX/XXXX I mailed over a certified letter with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting removal of these accounts that were not owned by me. On XX/XX/XXXX this letter was signed and recieved. The response to my written request was " Accounts returned as verified ''. On XX/XX/XXXX I provided subsequent written correspondence requesting debt validation letters showing my signature via written or electronic. This debt validation letter was never provided, nor did the information provided match any of my verifiable data in violation of ( FCRA ) Section XXXX ( a ). On XX/XX/XXXX I sent a final demand requesting the erroneous accounts be removed from my report before filling litigation for damages as a result of violations XXXX ( b ) of FCRa.
Product: Credit reporting or other personal consumer reports

Experian has been really careless with my credit report. They've included unauthorized transactions on it, which is a clear violation of my privacy and the law. 

Specifically, Experian 's actions violate the following laws on my consumer report : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681a ( 2 ) ( ii ) requires consumer reporting agencies to obtain the explicit consent of consumers before including certain information in their credit reports. Experian has not provided my written consent for Experian to include the aforementioned transactions and experiences on my consumer report. 

Electronic Fund Transfer Act ( EFTA ) : 15 U.S.C. 1693g prohibits unauthorized electronic fund transfers from a consumer 's account. Experian 's inclusion of unauthorized transactions on my credit report violates this law, as it has lead to creditors attempting to collect on debts that I do not owe. 

Identity Theft Prevention and Consumer Protection Act of 2003 ( ITPCA ) : 15 U.S.C. 6801 et seq. requires businesses to take reasonable steps to protect consumers from identity theft. Experian 's failure to obtain my consent before including unauthorized transactions on my credit report violates this law, as it exposes me to the risk of identity theft and financial losses. 

I'm demanding that Experian immediately remove and exclude all unauthorized transactions related to XXXX XXXX XXXX account number XXXX from my credit report. 

If Experian fails to comply within 30 days, I will be prepared to pursue all available legal remedies, including seeking damages under the FCRA, EFTA, and ITPCA.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result of this breach, fraudulent accounts and inquiries have been associated with my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following account and inquiries from my credit report : Fraudulent Account : XXXX - XXXX - XX/XX/XXXX - {$4400.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : ACCOUNT # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy listed on report is not correct and according to letter received from this company, showing who they used to verify, that company does not have bankruptcy listed, and according to courts, experian did not check with courts directly to verify, dates on reports are incorrect, filing dates, experian has false information on report and need to remove/delete,
Product: Credit card or prepaid card

My Capital One XXXX XXXX card payment was due on XX/XX/XXXX. I paid the amount due on XX/XX/XXXX via a bank transfer. My bank, XXXX  XXXX XXXX, says I paid on XX/XX/XXXX. I have the documentation. Capital One says that XXXX sent them a check and it arrived late. Capital One is charging me a {$29.00} late fee as well as interest. I have always had a perfect credit score, but since this incident I no longer do. XXXX  XXXX XXXX agrees with me that this amount was paid on time. I am attaching a screenshot of an email that was sent to my husband XXXX XXXX who made the inquiry to XXXX. 

A similar incident happened in XXXX and the late fee was taken away. Capital One is claiming XXXX is getting them the funds late, but I was never told there was a problem with this. XXXX denies they are paying late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm having a few problems. I first need hard copies of all  XXXX  credit reports to provide attorneys and I can not obtain the hard copies needed. I tried pulling them online and calling to get copies and   XXXX   has created this runaround and I ca n't get the hard copies I need, as required by law. I was told by an Attorney to document findings with the reporting agency, credit bureau and to document the dispute process with the credit agencies and I ca n't!!! I am simply trying to resolve inaccuracies reported and on my report and can not.   XXXX   has failed to create a way that supports consumers correcting the costly errors and that 's a serious problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint against TransUnion Credit Bureau for allowing fraudulent inquiries on my credit report. The dispute letter including my Identity Theft Report was mailed out and delivered to them on XX/XX/2023. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report?
Product: Student loan

In XX/XX/XXXX of 2010, my private student loans with Sallie Mae ( Serviced by Navient ) went into default due to me failing to make payments. Once I received notification, I immediately contacted Sallie Mae in order to try and repair the problem. I was told that if I paid 10 % of the loan balance, that I could be placed into a forgiveness program where I could make a minimum payment of {$140.00} for 24 months, my loan interest rate would be changed to 0 % and the loan would be forgiven after the 2 years of making timely payments. I immediately paid over {$2500.00} to Sallie Mae and then began making automatic payments each month.

After two years, the payments stopped being automatically deducted so I assumed that my loan had been forgiven as planned. However, I then began receiving phone calls that I was behind on my monthly payments because I did not call to renew my monthly payments. I explained that I was placed into a forgiveness program. Unfortunately, I was told that the forgiveness process was in place and I was to continue making payments until that process was completed.

Each month I contact Navient in order to get an update. It has now been 6 years and I have had to renew my automatic payment plan three times now just so that a loan on my credit that shows in default, shows payments being made each month.

Recently, the response changed from them waiting for the forgiveness process to take place to them having no record of it. They have offered to settle my loan for XXXX, however I refuse to take that deal as that was not what I originally agreed too. I have asked them to go back and check their call logs and their recorded lines but they state that they can not do that. At this rate, I will be paying on this loan until I am XXXX years old. Additionally, this is the only issue on my credit and there is nothing I can do about it since it is showing in default and I refuse to get a loan to pay this loan off when I was told this loan would be forgiven.

This is deceptive and wrong and I honestly dont know what to do in order to get this taken care of.
Product: Checking or savings account

I believe I have been the target of fraud. On XX/XX/XXXX, I noticed a pending account transfer of {$7.00} from XX/XX/XXXX XXXX XXXX to my Chase checking account. At XXXX XXXX  ( on XX/XX/XXXX ), I called Chase Customer Service ( XXXX ) to alert them of the suspicious transfer because I have never conducted business with XXXX. Specifically, I have never made a purchase from XXXX, I do not have an account with XXXX, and I have not shared any of my Chase account information with " XXXX. '' ( However, when I was the victim of online debit card fraud on XX/XX/XXXX, someone made a purchase of {$200.00} from XXXX XXXX XXXX. This money was refunded to my checking account by " XXXX '' because I submitted a fraud claim with Chase. ) The Chase representative recommended that I contact XXXX directly to inquire about the transfer, and she did not classify the transfer as possible fraud. I was dissatisfied with this outcome and uncomfortable with her recommendation about contacting XXXX directly because again, I have never conducted business with XXXX. Therefore, I called Chase Customer Service again the next day ( XX/XX/XXXX at XXXX XXXX ) because I was still concerned. This time, the situation was escalated to the Chase fraud department and a case was opened ( claim number : XXXX ). Moreover, the Chase fraud agent recommended that I close my checking account by visiting a Chase branch and leave the {$7.00} in my account so that it could be available to be returned to XXXX. I followed this recommendation. Chase representative, XXXX XXXX, helped me submit a pend close request on my account ( on XX/XX/XXXX ). Currently, my account has {$7.00}. 

On XX/XX/XXXX, I received an online letter from Chase informing me that they found that the transaction ( s ) was processed according to the information you provided or was authorized and that No adjustment will be made to your account at this time. On XX/XX/XXXX ( at XXXX XXXX  ) I was notified via email by Chase about this letter. So, on XX/XX/XXXX, I called the Chase Customer Claims Department ( XXXX ) at XXXX XXXX  ( and again at XXXX XXXX  because the call got disconnected ) to further inquire about the claim outcome and dispute it because I did not authorize the {$7.00} transfer. The Chase representative was unable to help me further with the claim. Therefore, on XX/XX/XXXX at XXXX XXXX, I called the CFPB ( XXXX ) for guidance on my situation. The CFPB representative listed my options of reporting XXXX to the Federal Trade Commission ( FTC ; reportfraud.ftc.gov ) and reporting Chase to the CFPB. I will follow these reporting options. My FTC report # : XXXX.
Product: Credit reporting or other personal consumer reports

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX any cancellation of debt is considered a certificate of indebtedness and its now income. XXXX can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to XXXX XXXX Code XXXX and XXXX CFR XXXX in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( XXXX ) as they are XXXX to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, XXXX have given them written, non written, verbal, and nonverbal per XXXX XXXX Code XXXX and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages. 


XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX  XXXX XXXX, AP XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00}.
Product: Student loan

Navient 's  ( formerly  XXXX   XXXX   XXXX   XXXX   ) webpage incorrectly told me that my loans were approved and successfully submitted for automatic debit payments every month. However, each time I submitted my banking information through the website, it would n't process automatically as it was supposed to. As  a result, Navient  harassed me every month with automated phone calls informing me that my payments were delinquent. I called them and had the issue corrected. This issue happened TWO OTHER TIMES while I was still in school a nd the six mon th grace period after receiving new loans ended. On the third and final time, I did not call them and continued to receive the automated phone calls. I wrote them an angry letter explaining that their website confirmed my banking information was submitted and approved, but the money was n't coming out. They wrote me back and told me the opposite - that my banking information was never put in. Also, they 're probably guilty of overcharging people too (   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX Balance {$20000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance {$150.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$330.00} Date opened XX/XX/XXXX XXXX XXXX Balance {$4.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$540.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$930.00} Date opened XX/XX/XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX Balance {$6400.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2000.00} Date opened XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My cards were shut down for absolutely no reason, Im a bartender and I tend to use my credit cards and then pay them off after a weeks work, I have XXXX and i like to pay off my cards, i was never once late with Aspire Credit Card I had a XXXX limit and XXXX limit. I went to gamble one night and took out a few cash advances and then went to work the next day and paid it off! The next day they took my payment and shut off my credit card. I called and they said it was considered fraudulent purchases, i explained what i did for a living and asked how could I prove I was the rightful owner of the credit card, they said I should learn to follow the rules and regulations and if I could pay off my card like that, then I obviously didnt need a credit card, i said I do, im trying to get my credit fixed and this would ruin my XXXX score, i was told that wasnt their problem, the account was closed and I was hung up on, 2 days later I got a notification that my aspire accounts were closed and my credit dropped XXXX points. This apparently happens a lot with this company and its not fair. Ive worked very hard and how can someone just mess with my credit like that. On top of everything, after I paid them off they refunded me XXXX annual fee, however its a charge, not a credit so now I owe them XXXX on my closed account. This is very frustrating, we are struggling and relied on this credit card. Is there anything I can do