23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sincerely request your compliance with the Fair Credit Reporting Act ( FCRA ), a pivotal legal framework established to safeguard the rights of American consumers in relation to credit bureaus. In light of this regulatory context, I kindly implore Equifax to undertake the necessary measures to exclude the ensuing account particulars from my credit report : Account Details : Creditor : 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 Scheduled Duration : Until XX/XX/XXXX It is crucial to emphasize that the inquiry mentioned above was not initiated by me. In accordance with the FCRA, which places significant importance on the accurate representation of individuals ' credit histories, I urge your prompt attention and resolution of this matter. I extend my gratitude for your unwavering commitment to upholding the fundamental principles of consumer rights within the sphere of credit reporting. Your swift action in rectifying this discrepancy is greatly anticipated and appreciated.
Product: Credit reporting or other personal consumer reports

It is XXXX to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Product: Mortgage

I have been unable to log into the online portal where I make my loan payments for 2 months now with PHH Mortgage. I have downloaded XXXX and updated my XXXX XXXX as they suggest and still cant get in. This is a common issue and there are blogs all over the web with other customer who are having the same issue and gettin delinquency notices. I will be 3 months behind at the beginning of XXXX. Please help
Product: Credit reporting or other personal consumer reports

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 an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXXXX/XX/year>
Product: Checking or savings account

XX/XX/21 - went into U.S.Bank on XXXX XXXX XXXX XXXX XXXX bank to open just a checking account. Bank servicing person was XXXX XXXX XXXX set-up I specifically said that I did NOT want overdraft protection. She gave me a form acknowledging my choice but also had me " e-sign '' that I agreed to a Reserve Line of Credit which is specifically for Overdraft protection. This caused a hit against my credit score and a reduction in my credit worthiness, not to mention the issuing of a unsolicited, unwanted credit instrument due to her Sales Misconduct and Bad Sales practices ( ala XXXX XXXX XXXX. On XX/XX/21 - after receiving a number of emails speaking to my " credit approval '', which I have never seen required to open a checking account, I return to the bank and talk to another bank officer, XXXX, and ask what this was all about. I show him my copy of my " Overdraft '' refusal and ask what generated this line of credit that I didn't ask for. He showed my signature at the bottom of the Line of Credit Acknowledgement Statement. I was a bit taken aback because there was my signature and I couldn't explain it. So now I have two papers in direct opposition to each other. A few days later I realize the Line of Credit was an E-signature. Easily slipped into other docs and maybe stated through masks and plexiglass, but certainly the opposite of my expressed and documented " no overdraft '' demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through FedLoan Servicing for the months of XXXX and XXXX of XXXX. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : {$190.00} Date of AccountXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report, which I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request an immediate investigation Recently Consumer Financial Protection Bureau filed lawsuit against XXXX for its failure to properly investigate consumer dispute, citing sham investigations and other unlawful practices. 

Conducting inadequate investigations. Reinserting previously disputed inaccurate information. Failing to to inform consumers about investigation effectively. These allegations systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned my dispute maybe mishandled in a similar manner. 

Under the FCRA, I request that you investigate this matter, correct or remove the inaccurate information, and provide me with an updated copy of my credit report. Please also notify any parties that received the inaccurate information of these corrections.
Product: Student loan

University XXXX , CTXX/XX/XXXX Discover Student Loans verbally harassed and disrespected me. They called me at inappropriate times, they hung up the phone on me, they stole money from me, they gave me the run around, they reported my loan to collections. XX/XX/XXXX they overcharged me on student loan payments. The charged me late fees when I was n't even making any real money. I signed up for an Income based repayment plan and they took out more money than was authorized out of my account. They did this multiple times. I had to wait a week just to call Discover Student Loans to find out they did n't even start the refund process even though they said they would. I ended up waiting an additional 2 weeks for XXXX refund. They stole more money out of my account a second time and I had to wait another 2 weeks for a XXXX refund. They never gave me a fair chance at paying off my student loan. I have complained numerous times XX/XX/XXXX and here we are XX/XX/XXXX with no help. The loan accumulated interest and got sent to a collection agency/lawyer. Discover Student Loans treated me like I was n't even a human being. I have never felt so disrespected in my life. I think I got harassed because I do n't have a white sounding last name, or because Discover Student Loans has a history of illegal practices.
Product: Student loan

I am on the XXXX plan with XXXX, XXXX, and XXXX out of XXXX payments made on my loans since XXXX or XX/XX/year>. I placed a request to change my IDR plan to Income contingent repayment on XX/XX/year>, and a request to be placed into a processing forbearance. I have placed a buyback request on XX/XX/XXXX which has not been processed yet. My expected date of forgiveness is XX/XX/year>, it has been over six months with no progress from the Department.
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 : # 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 DEPT OF ED / XXXX : # XXXX XXXX DEPT OF ED  / 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 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 : # XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # 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 an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found fraudulent accounts or hard inquires in my credit report that I did not authorize such accounts needs to be remove from my credit because they do not belong to me nore I have authorize them.
Product: Credit card or prepaid card

I filed for Unemployment received California EDD Debit Card from Bank of America on XX/XX/2020, registered and activated card. XX/XX/2020, I Read all documents listed followed exact instructions on how to transfer funds online from EDD Debit card account to my personal checking account. Entered checking account number with routing number pressed continue. Response from bank " In-Correct Account Number '' It was the correct account number, I entered the account number again, the screen turned red " CARD BLOCKED. '' Not able to do anything. I never used the card to buy anything. 

Called Bank of America customer Service advised what happened reply I have to call Risk Management they are closed today will be open Sunday, XX/XX/XXXX at XXXX XXXX  I called at XXXX am " Thank you for your paitience we are currently receiving high call volume please wait and your call will be answered in the order we receive. '' For 2 hours on hold no answer. No option for them to call me back no voice mail nothing. I hung up I tried again at XXXX the same recording. I hung up after 1 hour 45 minutes. 

In this day and age of technology, all other Banks have the option for customer service to call you back. Instead they just never come to the phone so they never have to help you. 

Bank of America never should have blocked my card/account/money I am a brand new customer I have not been able to spend one XXXX, unable to buy food, toilet paper. After reading thousands of complaints from other BofA customers online with the exact same problem card being blocked. This has been going on for over 15 years how can this be possible they are able to block your account with no actual fraud being done. This is the only bank in the XXXX that does this to consumers. 

This can not continue this is my unemployment money and they are playing XXXX with my life in these beyond challenging times. I have no options but wait until Monday when the Bank opens spend another two to three hours of my day to correct BofA 's error.
Product: Credit reporting or other personal consumer reports

In my recent CFPB complaint to Experian # XXXX, Experian responded that the reported XXXX XXXX info does exist on my credit report however Experian is still reporting the info which continues to negatively impact my score. Furthermore, Experian has been super quick to allow XXXX XXXX to publish & be the author/authority of negatively reporting & impacting my credit score however Experian takes their sweet time to answer investigations & CFPB complaints as if their is no urgency at the height of inflation & my geographical economic region. I have spoken with Experian over the phone & was basically told that conpanies like XXXX XXXX can put whatever fraud onto your credit report & that is solely up to XXXX XXXX if XXXX XXXX wants to remove it or not which i find to be overly rediculous like i'm being lied to when i know uniform commercial codes that do not allow for this type of behavior.
Product: Credit card or prepaid card

On XX/XX/XXXX my avant card was charged XXXX. I did not authorize this charge. I have tried to call the company and have been on hold for up XXXX hours.
Product: Debt collection

Today i received phone call from Rush Curtis & Associates collection company about my medical bill, which is I went to XXXX XXXX XXXX room on XX/XX/2020. At that time I didn't have health insurance and i left all my information SSN, DL, home address. Few days later i talked several times person who helping financial advise for patient, but she told me that XXXX XXXX XXXX will send my bill. Since XX/XX/2020 I haven't received any mail through my mailing address. Until today 's phone call from debt collection company, I didn't know about this medical bill that already sent to the collection company. 
This was the first time, the collection company called me about medical bill ( I didn't receive any email, mail and phone call before these phone calls ). The collection company said that If I don't pay {$8000.00} medical bill today, they are gon na report to the my credit history. I am wondering that why they didn't let me know anything until today and suddenly they are threatening me to pay {$8000.00} bill. 
After the phone call, I found out that my address was wrong. I already provided right address and right information. If I received my medical bill through my right mail address, I obviously pay {$8000.00} before it went to the collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these 3 accounts off of my credit with Equifax 2 weeks ago. Still have not removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Opened XX/XX/year> {$470.00} XXXX XXXX XXXX Opened XX/XX/year> {$1600.00} My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 TransUnion completed its investigation of disputed account information that I submitted. While I appreciate the removal of multiple accounts I had no knowledge of, there were three accounts verified. I am confused as to how TransUnion could have verified the account information when I, myself, have contacted both XXXX XXXX XXXX and XXXX XXXX on two separate occasions and received no response. Once was through direct mail,  the other through the Consumer Financial Protection Bureau. Both companies have failed to provide a response to my inquiries and demands for validation of the debt they seek to collect. XXXX XXXX XXXX only appears on my TransUnion report and XXXX XXXX was disputed with XXXX and XXXX. Neither XXXX or XXXX were able to verify the information XXXX XXXX provided and deleted the erroneous information from my files. 

On XX/XX/XXXX I sent a request for validation to XXXX XXXX XXXX and XXXX XXXX. Pursuant of the FCRA and FDCPA I demanded a cease of collection activity until validation of the debt occurred. The companies never sent the information but continued to report the information. For your convenience I have included a copy of the deletion transcript provided by XXXX. Since three other parties have tried to verify the information supplied by XXXX XXXX XXXX and XXXX XXXX, I would like to know a detailed description of how TransUnion, verified the information.
Product: Credit card or prepaid card

Hi, This is XXXX XXXX. I have Bank of America ( BoA ) accounts. This year in XXXX, my account ( checking and saving ) was accessed without my authorization and used to make {$2400.00} XXXX transfer to people I do not know. I did not lose my card so my accounts were actually remotely hacked. Then two months later in late XXXX, my BoA credit card was used to pay for two digital orders as gifts to people I do not know on XXXX. This time the total loss is about {$650.00}. Again I did not lose my card so it was my account that was hacked. I reported these two cases immediately to BoA after I noticed the fraud but BoA rejected both of my claims, based on the reason that " nothing is wrong with my account or we do not find a problem with the device used for the transaction ''.

I did check my computer and found that there were unauthorized remote access account. That means my computer was hacked. That is probably why everything looks fine at the end of BoA ( the hacker still used my computer to make those fraudulent transactions so BoA probably thinks it was me ). I think what may have happened is like this : I have the function called " save my password for this website '' enabled on my computer. I thought it is safe because this is my own computer. But somehow hackers gained remote access to my computer and automatically logged in to my online banking account since the passwords are saved in the browser. Then they made those fraudulent transactions. However, after I reported this situation to BoA, they requested me to submit an official certification that my computer is hacked. This is frankly impossible for me because 1 ) I deleted all unauthorized accounts immediately after I found them. So if you check my computer again now, it is safely guarded ; 2 ) It seems that BoA wants me to invite professional computer security personnel to thoroughly check my computer, but this would be too inconvenient and too expensive for me. 

All in all, when my accounts were hacked to make fradulent transactions, BoA rejected my fraud claims based on reasons that " my account looks normal ''. Compared to other cases such as losing the card, I have my devices by my hand but the device is remotely accessed without my permission. So on the surface my device and account would look normal but it is actually not. BoA clearly did not take this situation into consideration and put an unreasonable burden on customers to prove the existence of hacking activity. I even think that BoA deliberately develops such daunting procedures so that no customer would really pursue their claims under such situation. I am really disappointed with BoA and I will quit using it as a banking service, regardless of whether I can get my money back. I hope your esteemed agency can put some pressure on BoA so that they could at least reinvestigate my cases. 

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

I am filing this report due to having incorrect and fraudulent accounts on my fico credit profile. I am demanding under the FCRA law that these items are removed as soon as possible within 4-15 business days. These items are associated with hard inquiries, collections and bad debt. Here are the items. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDU  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 DOE XXXX XXXX XXXX XXXX, DEPT OF EDUXXXX ( 3 ACCOUNTS IN TOTAL ) DP OF EDUC ( 4 ACCOUNTS IN TOTAL ). THESES ARE THE ACCOUNTS I DEMAND TO BE CLOSED DUE TO FRAUDULENT ACTIVITY!