23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a student loan with Mohela that I am paying on time, it is not delinquent. 
The payment for XXXX 2017 is due now and 16 days past due and they are calling my mother about this debt. she has nothing to do with this loan, thee loan is in my name only. 
This is harassment.
Product: Credit reporting or other personal consumer reports

This is related to an original complaint, # XXXX. 

Please see the attached letter which fully details the steps taken. In summary, Transunion has been provided with conclusive documentation that I never owed the debt and that the collection agency, XXXX, had already had the listing removed from another bureau 's reporting. 

Further, Transunion received XXXX 's letter to me stating the it would remove the listing from my credit report, yet Transunion " affirmed '' the debt. 

Now, Transunion will not allow me to access my report for any reason, stating that I have an open dispute and therefore my report is locked. 

Transunion has clearly conducted no investigation nor reviewed any substantive documentation, relying instead entirely on the " affirmation '' of its paying customer, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX and Equifax Thank you for taking the time to read this letter. I recently noticed that my credit report contains errors. I take pride in my ability to pay back my debts, and the black marks do not reflect my creditworthiness. It would help me immensely if you could make a goodwill adjustment to remove the closed account as well as remove the inaccurate accounts from my record, as it does not reflect my current ability to pay. Im hoping you are willing to give me a second chance at a positive credit rating given my financial status and renewed good standing with my account. 

Unverifiable information : XXXXXXXX XXXX XXXX, Last reported XXXX XXXX XXXX XXXX$190.00} XXXXXXXX XXXX XXXX Last reported XX/XX/XXXX {$100.00} Closed : XXXXXXXX XXXX  : Closed the account They have never sent a validation letter, I have asked multiple times and now they are just holding me, XXXX, without proof that this account is attached to me. That is a violation of my rights with the Fair Credit Reporting Act ( FCRA ) I feel they are Willfully hitting the FCRA Violations These are the more serious violations because it means the agency, business or individual was aware of their actions. It is causing harm to my personal life as I am trying to buy a home for my family and causing harm to my business life due to the fact most cards deal with p.g 's, but went ahead and did them anyway. Sadly, I was denied because of these 3 accounts. 

These companies are actually and knowingly causing Actual damages, Statutory damages and Punitive damages to my life. 

also please delete XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I do not live at any of the addresses listed above. 

Hard Inquiries : XXXXXXXX XXXX XXXX- I never filled an application out so I'm not sure what this is XXXXXXXX XXXX XXXX XXXX I never filled an application out so I'm not sure what this is either. 
XXXXXXXX XXXX Date XX/XX/XXXX Inquiry Type XXXX XXXX 
XXXXXXXX XXXX  Date XX/XX/XXXX Inquiry Type XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected, consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inquiries have violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a letter from Franklin Collection Services on XX/XX/2020 stating that I owed {$260.00} to XXXX from FOUR YEARS AGO. I have been told by phone, through email, and by mail correspondence from XXXX XXXX XXXX that I do not owe them any money at all. I gathered all of this documentation and made the dispute through Franklin Collection Services on XX/XX/2020 and it still has not been resolved ( today is XX/XX/2020 ). As a result, by credit score has dropped XXXX points and I still am unable to correct the score to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

I am submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my files, I discovered these late payment entries. Despite sending correspondence about this issue more than XXXX  days ago, I have not received any response, nor have I been provided with adequate verification. I request your help in addressing and resolving this situation swiftly and efficiently.
Product: Credit reporting or other personal consumer reports

I was a victim of ID theft, so I reviewed my credit report and noticed a collection on my credit report. Please provide me with documentation of ownership of this debt. If not please delete from my credit report. 


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

In an attempt to apply for credit, I was denied and checked my consumer credit report. TransUnion was the only reporting agency that had a credit score for me, and also had a late payment showing on my XXXX XXXX account. This is completely incorrect! I checked further and saw there were two companies, XXXX and XXXX XXXX XXXX, both on my report as collection agencies. This is definitely fraudulent because I never opened any kind of account with the, or are in no business contract or obligation. I noticed both XXXX and XXXX also have collection accounts for me for XXXX XXXX XXXX and XXXX XXXX, companies that I have no knowledge of nor should they have the right to defame me. I have contacted all three CRAs and there still has been nothing removed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with air resolution requirements under the electronic fun transfer act ( EFTA. ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

I have a checking account at MB Financial and on XXXX/XXXX/16, my account became overdrawn. XXXX transactions came through totaling a negative balance of {$27.00}. The bank charged a total of {$110.00} in overdraft fees. I was unaware that I was overdrawn and made a deposit the next day ( XXXX/XXXX/16 ) for {$340.00}. I did not account for the {$110.00} and became overdrawn a few days after that. I received notice in the mail about my first overdrawn occurrence 5 days after the fact, but could not get to the bank until Monday, XXXX/XXXX/16. I immediately initiated a transfer of {$200.00} from another account on XXXX/XXXX/16 and {$180.00} in cash which was deposited XXXX/XXXX/16. The transfer did not show up until XXXX/XXXX/16. The tellers at the branch I opened the account at were not able to help me out and informed me I would have to wait for the branch manager, who was newly hired and in training, until his return on Thursday, XXXX/XXXX/16. I tried to get a hold of the manager via phone Thursday, but no answer. I then went in to the branch in person on Friday, XXXX/XXXX/16. By that time, I had accumulated another {$250.00} in overdraft charges for a grand total of {$360.00}! The manager would only agree to reverse XXXX overdraft fees totaling {$74.00}, however XXXX of the {$37.00} reversals boomeranged and so to date, I have only received XXXX {$37.00} overdraft fee reversal. So I am paying {$340.00} in overdraft fees so this bank could cover {$150.00}... If this was a loan on {$150.00}, and the fees were interest on that loan, I am being charged 225 % in interest! I feel this bank 's policies are deceptive and prohibitive and although I have been banking there for the last several years, once I get this resolved, I will no longer bank at XXXX XXXX. I am currently working XXXX part time jobs, XXXX of which is my XXXX, as I am presently also a XXXX XXXX XXXX. I do the best that I can and try to keep an eye on my accounts and although I was caught off-guard with allowing my account to be overdrawn, I feel this bank is very greedy and their fees are exhorbinent and excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

under the government code 15 U.S 1601 all charge off accounts MUST be removed. I want ALL charged off accounts to be removed from my credit report.

Under 15 U.S Code 1601 all Repossesions MUST be removed. I want all repossessions removed from my credit report.

Under 15 U.S Code 1602p all Hard inquiries MUST be removed.

If these are not removed I am entitled to {$1000.00} per violation
Product: Student loan

In XX/XX/2022, I received a notice about my loans coming out of the program that had a locked interest rate of 4 % which lowered my monthly payment because originally I was not able to afford the monthly payment without being in that program. Proactively, I called Sallie Mae in XXXX to discuss my repayment options as this program is coming to an end. I called them before my due date of XX/XX/XXXX. And they told me that I couldnt, talk to anybody yet because as of that point my loans were still in a program and so any sort of eligibility for other programs would not show. That customer service representative advised me to call after my XX/XX/XXXX payment has posted saying XX/XX/XXXX. Sometime in early XXXX, I called and spoke with someone about my repayment options. They said that there was no options available for me because I had not applied with an 18 months of the loan disbursement date and Ive use my forbearances. I was unaware about the forbearance as I have used because I was under the impression that I was going into special programs while I was in school and I wasnt able to repay because I had just finished law school and was taking the bar and had no income and apparently, during that portion of my life, they were using a forbearance, because there wasnt any other program available to me. At that point that gentleman gave me a phone number to call for loan servicing options. On XX/XX/XXXX I called that phone number and tried to speak to somebody about loan repayment options and they told me they would not talk to me until my loan was in collections. That person advised me I can not call until XX/XX/XXXX. Because that is when the 5 day grace period ends, sending me into collections. Every time I have called Ive been given a different date and XXXX just trying to figure out a way to be able to pay my loans but not at the payment because I cant afford the payment. A separate complaint is regarding the interest rates that these services are able to charge on student loans, my student loans have an interest rate of 14 % which is a little ridiculous given that it seems a bit predatory since I was XXXX XXXX XXXX signing documents that I had no idea about.
Product: Credit reporting or other personal consumer reports

I Have been working on my credit since me and my family had to leave our home due to our landlord took his home from us to sell it on XX/XX/XXXX, XXXX, Me and my family have been XXXX  for over XXXX years now.I have been working on my credit to buy or rent a home. I have got things remove off my credit and my score adjusted properly from XXXX and XXXX, but not the same. Experian is the problem they have not remove any of the items that have been removed and constantly advising me of the points that are taking from my score and also not disputing anything i tell them is incorrect. They are also taking in considerations of what the creditor are reporting and taking excessive points away from me. XXXX really wanting all my scores to be at the same. I have got denied for a home twice because of the low scores from experian and the scores does not match. PLEASE HELP ME GET ALL XXXX  CREDIT BUREAUS TO BE ON THE SAME PAGE. I NEED TO BE IN A HOME FOR THE SAKE OF MY XXXX XXXX  SON.
Product: Vehicle loan or lease

I PARTICIPATED IN A CONSUMER CREDIT TRANSACTION NOT A LOAN PURSUANT TO 15 U.S. CODE 1602 ( I ). Take further notice that pursuant to 15 u.s. code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by the organization in direct violation of this law. The dealer ship in question accepted a Down payment of {$8000.00} violations 15 us code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction pursuant to q5 us code 1635b upon receipt of this revision I am not liable for my finance charge or any other charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to take all the stuff off my report XXXX Equifax XXXX I gave them a report all my information and paperwork paperwork to XXXX XXXX XXXX  XXXX and XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX XXXX XXXX XX/XX/year> The CCS companies XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX : Dispute of Credit Information - XXXX Dear The CCS companies XXXX am writing to formally dispute certain information on my credit report/account associated with [ insert account number/reference number ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information reported to credit bureaus, and I believe that the following information is incorrect : [ Explain the item being disputedsuch as an inaccurate account balance, late payment, or account status. Provide as much detail as possible. ] In accordance with the FCRA ( 15 U.S.C. 1681 ), I request that this information be thoroughly investigated and corrected. Specifically, I ask that you : 1. Investigate the accuracy of the information in question.

2. Provide documentation proving the validity of the entry if it is not corrected.

3. Remove any erroneous information from my credit report if it is found to be incorrect or unverifiable.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), if this dispute involves debt collection, I request that you provide proper validation of the debt as required by law. Please include : The amount of the alleged debt. 
The name of the original creditor. 
Any supporting documentation or proof that the debt is valid. 

I respectfully request that you provide a response to this dispute within 30 days, as required by the FCRA, and provide a copy of the results of your investigation once it has been completed. If the disputed information can not be verified, I expect that it will be removed from my credit file.

Please note that failure to resolve this matter in accordance with the applicable laws may result in further legal action or complaints to the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ).

Thank you for your prompt attention to this matter. I look forward to your timely response. 

XXXX XXXX Important Legal References : Fair Credit Reporting Act ( FCRA ) : Protects consumers by ensuring that credit reporting agencies maintain accurate and complete credit records. You have the right to dispute incorrect information and require that it be investigated. 
Fair Debt Collection Practices Act ( FDCPA ) : Governs the practices of debt collectors and gives you the right to dispute a debt and request proof
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, doing business for XXXX XXXX XXXX XXXX, has repeatedly ignored payments I made since XXXX, 2022, although I have checks showing they cleared the bank and a confirmation number for a payment made over the phone on XX/XX/2022, for the entire balance, including the payment from XXXX which they claim not to have received. This date ( XXXX ) I received notice that I still owe them money, have been reported " delinquent '' to the credit bureaus, and have not made any payments. So the payment I made XX/XX/2022, complete with confirmation number, has not been credited. At this point they owe me money for their misplaced XXXX payment, plus late fees and interest.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO, XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, MO, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed XXXX XXXX the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX LOCKHART, XXXX & XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

I had my backpack stolen from me which had sensitive information including my social security number and XXXX XXXX card in the bag. There were numerous add cash charges made that were not my charges. I started a dispute with XXXX. They did NOT provide me the temporary credit to my account within 10days like their policy stated even after sending them the written statement outlining the transactions. XXXX did NOT send me any documents or tell me the status of the dispute within the 3days of reaching a decision like they stated they would. 

Now I have XXXX telling me the dispute was not in my favor and that no error occured. I contacted XXXX XXXX  however who has assured to me that they in fact did reverse the transactions and the funds were sent back to XXXX. 

XXXX refuses to allow me to speak to anyone in their dispute department and they keep sending me the same repeat copy and paste email saying the dispute was not in my favor and though I have provided them with proof several times that the merchant assures the money was sent back to XXXX I have still not received any credits. At this point I have {$1800.00} missing because of XXXX with no explanation as to where the money went!!