23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX.
Product: Checking or savings account

XX/XX/XXXX I submitted a mobile deposit to my Truist personal banking account in the amount of {$1400.00}. XX/XX/XXXX I received an email noting that is was placed on hold. It did not contain any info on how long the hold was for or why it was held. I called the customer support line XX/XX/XXXX and they could not provide any info. I called again on XX/XX/XXXX and spoke to a supervisor. The check was being held due to doubtful collectability but she could not tell me what was the reason for that belief. I informed them this was against the Federal Reserve policy in regards to information that must be contained in a hold notice. I was told to contact the local bank as they would have more info. XX/XX/XXXX I also called a local bank branch. The branch manager noted Truist has been placing generic auto-holds. I informed him by regulation they must note a reason and it can not be generic. He noted he did not have any additional info but if I wanted to see if the hold could be lifted I would need to come into a local branch. Truist is not following regulation in regards to holds.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

I took out a Chase private student loan when I attended XXXX XXXX. Upon graduating, I made the monthly payments to Chase in the amount of {$29.00}. The original principal of the loan was for {$5000.00}. XX/XX/XXXX, I began XXXX at XXXX XXXX University in XXXX, Rhode Island. My automatic loan payments stopped due to my full-time enrollment. XX/XX/XXXX, I made the decision to take the fall semester off. Simultaneously, my Chase student loan was charged off after they said I failed to contact them, even though I was in in-school deferment. My efforts with Chase to reestablish the loan under the original terms were dismissed. As a result, I was forced to enter a payment plan to pay-off the remaining principal of my loan or the action would result in charge off on my credit report, which would substantially affect my chances of bar admission. From XX/XX/XXXX until XX/XX/XXXX, I made 3 payments in the amount of {$820.00}. I reenrolled in law school XX/XX/XXXX, and I am currently enrolled full-time. I am unable to make the remaining 3 payments, which I believe I should not have had to make in the first place. I would like to speak with an individual at the CFPB to determine my options, since this very well could affect my bar admission.
Product: Debt collection

General Revenue Corporation collection agency is collecting on a account that I am not aware of. I do not have a signed agreement or payment history with GRC. I have requested a validation letter with the following : 1 ) signed agreement 2 ) payment history 3 payment made with GRC. Yet, GRC failed to provide this details and I have repeated disputed this collection. My next step is to take legal action with GRC and seek damages due to not receiving the information as my rights to confirm/validate information on my credit reports. GRC continues to harassed from XXXX to XXXX to collect payment that GRC can not provide legal documents on GRC letterhead .
Product: Credit reporting

MY COMPLAINT UNDER OPEN CASE # XXXX WITH THE CFPB, EXPERIAN STATED THAT THEY NEED ANOTHER 60-DAYS TO INVESTIGATE MY CLAIM. THIS IS IN VIOLATION OF FEDERAL LAW WHICH GIVES THEM ONLY AN ADDITIONAL 15-DAYS, NOT 60-DAYS.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been an account holder with PayPal.com for more than 5 years, and had NO MAJOR ISSUES until recently. On XX/XX/2022, I had a larger-than-usual payment made to my account. By the way I was treated, and by the amount of the documentation I sent. one would think I had stolen this money, or it was earned illegally!! It stated on the transaction summary that there would be a hold until all documents were sent to verify the information, and who I was! I not only had to send my driver 's license, an other identification, I also had to send a picture and a receipt of goods I sold!!!!! This is an invasion of privacy!!!! They should've looked at the senders information, and saw that it was from a jeweler/pawnbroker!!!!!!! I was treated as a XXXX who stole it!!!!! I has to fight like crazy to get this hold released -- I had to deal with countless customer service agents who anything but helpful -- how about they were deliberately antagonizing!!! I was finally able to reach someone in the escalations department to help release this hold!!!! I even filed a XXXXXXXX complaint, which wasn't all that helpful either!!! I was told this wouldn't happen in the future, but it has again, and now, it's even worse!!!! On XX/XX/XXXX, I received a check from " XXXX '', that was deposited into my account, and ready for immediate transfer, or so I thought. When I did the immediate transfer, the transaction details state that the transaction was pending until XX/XX/XXXX!!!!! It was supposed to be in my bank account within minutes, and I was told no more long holds!!!!!!!! Again, more run-around from Customer Service and the so-called Managers!!!!!! Yesterday morning, I sold an item, and the customer sent the money to my PAYPAL ACCOUNT. Those funds were to be on hold until the item was confirmed delivered-which would only be for several days-up to 7 days. Now, the funds are on hold til XX/XX/XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I need my money, and should have it after the item is delivered and confirmed delivered!!!!!!!!!!!!!! Otherwise, it's abuse and starvation!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I sent a certified letter to LexisNexis to verify the process in which they verified a Bankruptcy on my credit report but I never got a response. In XXXX I filed a complaint asking for the method of verification on which they verified a bankruptcy on my credit report. LexisNexis responded this time stating that they used XXXX to verify my Bankruptcy and they linked it to my address and social security number. The explanation they provided me was false and inaccurate as they stated they verified a Chapter XXXX  Bankruptcy filed on XX/XX/XXXX and was discharged on XX/XX/XXXX. They also claim to have verified the address which I have never lived at. Everything they claimed to have verified was false and inaccurate and they have been providing XXXX/XXXX/XXXX  with false information when they provide them with verification information as they are the third party used to verify public information.
Product: Debt collection

This debt is not owed. The medical facility, XXXX XXXX Hospital, did not properly bill the insurance company. I contacted the insurance company and they were waiting for information to be submitted. I contacted XXXX XXXX Hospital multiple times asking for this to be properly submitted. 

They sent the bill to collections without responding to my requests. 

This bill has been shifted to two collection agencies that I am aware of. 

Now it is with Phoenix Financial Services LLC, and they did not respond to multiple communications. 

They set this debt against my credit score, reducing it. 

No one is listening to my complaints, please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters, but most recently sent a letter to Equifax, and they haven't replied in the 30 days. From the previous letter sent, Equifax did respond once and stated that the information was 100 % accurate. 

15 U.S. Code 1681a - Definitions ; rules of construction he term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to you? 

How did they complete the investigation?
Product: Student loan

I have been paying our son 's student loans with Navient since Covid-I9. The first payment was XX/XX/XXXX thru XX/XX/XXXX. I have all my bank statements that show different amounts deducted from Navient. The total of payments is the amount of {$5800.00}. On the XXXX site the amount is NOT deducted from my son 's balance. I called Navient for any information on the loans and the gentleman I spoke to said he had no information. I asked to be transferred to a supervisor and an other gentleman told me the if the account was closed he had no information for me. 
I had my son call Student Loans they can not help us because nothing was shown on the payments from Navient. 
Why haven't my Navient payments been deducted from the student loan balance? 
Thank you for all your help in the matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX should not be reporting that I am ( 120-180 ) days late on the Conventional Real Estate Mortgage XXXX  partial account number XXXX. The late payments reporting were deferred via the CARES Act. I had arrangements with XXXX and these lates that are reporting are false and seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. Please remove and/or update my credit report to reflect accurate and current information. I have contacted the bureaus as well to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a certified letter to XXXX, Equifax, and XXXX concerning inaccurate information on my account with XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, for late payments, 15USC 1681i ( b ) and 15USC 1681i ( 5 ). XXXX refused to do an investigation on this matter, and did not respond with in the 30 days required by FCRA.
Product: Payday loan, title loan, or personal loan

I have applied 2 times with CashNetUsa and been approved for {$1000.00} however when I email or upload my bank documents they refuse to accept them I even traveled over 1 hour to my nearest bank to get the original bank agreement as they requested per their emails. Thereafter they called and said what I sent isn't good enough! I wasted valuable time and gas to do what they asked and bank only permitted me what I provided them per bank policy. Shame on CashNetUsa for their XXXX customer service DO NOT use them!!!
Product: Credit reporting or other personal consumer reports

this account has been charged off and has not given me a 1099C and on my credit report shows that it is charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND SAW MULTIPLE FRAUDULENT ACCOUNTS REPORTING. I GOTTEN A POLICE/FTC REPORT MADE AND ITS IN THE ATTACHMENTS BELOW. PLEASE REMOVE ACCOUNTS THEY DO NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Transunion, XXXX, and XXXX on multiple occasions to investigate the incorrect reporting of this account and each account. This account is not reporting 100 % accurately and has multiple violations in the reporting. Each time I receive letters saying that this is verified and that the debt is validated ... how is that possible if the reporting is totally inaccurate ... .They did not conduct a proper investigation and they are in violation..I am XXXX ... I will be filing a complaint with the state attorney general if this is not removed immediately ... .see attached report and see below for some of the violations that my untrained eyes see ... someone should be holding these companies accountable to follow the law and guidelines that they are supposed to follow.

This account is charged off and sold to a collection agency but reporting a balance of {$2100.00} this is a violation they are reporting a credit limit on a charged off account. this is a violation they are reporting 2 different high credit limits this is a violation they are reporting a past due balance on an account they sold to a collection agency and charged off ... this is a violation they are reporting 3 different dates of last active. this is a violation ... this account has been re aged the 2 year payment history is definitely a violation ... they are reporting a new charge off each month and this is killing my score ....
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Debt collection

on XXXX XXXX, 2016 I received the enclosed notice from SONNENCHEIN Collection Agency. In that notice I received no validation of the supposed debt but one photograph with of the supposed traffic violation. At that time I wrote the company the enclosed validation letter via certified letter with return receipt, to which they never replied. Shortly after that date as I was periodically checking my credit report, I saw a collection account for {$400.00} and my stellar credit rating dropped by XXXX points! The next day I called the collection agency and they told me " they are not responsible for the mail they sent out. '' I never received anything from the city of XXXX regarding these fines. What is most important is I never got a chance to have a hearing regarding these fines. Additionally, the pictures taken by this red light camera show I came to a full stop before making a lawful right turn. The city of XXXX has also been sued for practices like this in not allowing drivers to have proper notice or options for a hearing. This red light camera, which is located on XXXX appears to not be properly calibrated. I would like the public to know this company, along with the city of XXXX is exploiting a loophole within the debt collection laws. This company is collecting for the city of XXXX and is calling them " fines '' and not debts. Therefore, they think the Federal Debt Collection Practices do not apply to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX ( XXXX ) is violating consumer laws. 
Under the fair credit reporting act : 15 U.S Code 1681a-Defenitions ; rules of construction | US code | US Law | Lll legal information institute XXXX XXXX ) 15 US Code & 1681s-2- responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) prohibition ( A ) reporting information with actual knowledge of errors.

15 USC ; 1681a 2 ( A ) ( i ) except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s -3 of this title, any- ( i ) reporting containing information solely as to transactions or EXPERIENCES between the consumer and the person making the report ; Therefore, on XX/XX/2022 XXXX XXXX XXXX is reporting a transaction as a late payment which according to the law and my understanding it is ilegal. I demand is updated immediately to paid as agreed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, on behalf of my business XXXX XXXX XXXX, XXXX, I applied for the XXXX XXXX Credit Card, issued by First National Bank of Omaha ( FNBO ). FNBO then performed a hard pull on my personal credit report. I was not informed nor consented to this credit pull. 

Upon calling FNBO about this, they stated I agree to such a credit pull during the application process but were unable to provide any such documentation. They stated I agreed to personally guaranty the business credit card. Again, they could not provide any documentation backing this up. I asked to talk to a supervisor, and they said one would call me back. No one at FNBO has contacted me since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in onXX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.