23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

**THIS IS A FOLLOW-UP TO COMPLAINT # XXXX, WHICH WAS ALREADY FILED** On XX/XX/2022, I contacted Sallie Mae in hopes that I could negotiate some sort of financial arrangement to avoid my cosigner and I being reported to the credit bureaus. The customer service representative ( CSR ) that I communicated with, after being placed on hold numerous times, was finally able to to present the following offer to me in order to avoid being placed in negative/adverse status with the credit bureaus : a back payment, in the amount of {$270.00}, and a promise to pay the delinquent amount of {$970.00} upon next payday ( XX/XX/2022 ). 

I agreed to the terms as they were presented, and a payment, in the amount of {$270.00}, was processed/drafted from my checking account on file. I requested numerous times to the CSR to reiterate that the offer/terms that were presented would result in my student loan accounts not being reported as negative/adverse to the credit bureaus, and I was assured each time that those accounts would not be reported as such. 

On XX/XX/2022, I was alerted by XXXX that Sallie Mae did indeed report my student loan accounts as delinquent, which resulted in a decrease of my credit score by XXXX points ( I assume the same result occurred to my cosigner as well ). As a result, a dispute has been filed with the agency to investigate the situation. Also, my father ( the cosigner ) was just contacted by Sallie Mae via telephone as a reoccurrence of the constant barrage of harassing/annoying communication tactics utilized by the organization that were previously reported.
Product: Debt collection

This company threatened with an lawyer review. I attempted to contact this company in XXXX of 2020 through contact via phone & later through certified mail. My attempts in contacting this company was met with a returned certified letter to my home address. Again in XXXX of 2020 I sent another certified letter to this company asking to verify & validate this debt. I have yet to receive any communication from this company in regards to my second letter for verification & validation other than the threat they send me with being sued. Actions they are willing to take include, but are not limited to : Obtain a lien against my property Garnish my wages or bank accounts Obtain information about my assets.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Collection account at XXXX on XX/XX/XXXX Account number ( XXXX ) an Collections account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an Collection Account opened at XXXX  on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( XXXX ) Debt XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

I was initially contacted via a phone call in early XXXX. When I answered, the lady asked if this was ( she addressed me by my name ) and I responded, " it is '' and then she said, is your date of birth, XX-XX-XXXX, and I shared that I do not give out that information over the phone to someone randomly calling me. She shared she was calling about a debt, but could not share any information unless I provided my date of birth and again I shared that I would not provide that information. She then became rude and ended the call. The next day I received another call, this time it was a man and he said they were attempting to collect a debt and I shared that I did not have any outstanding debts and asked that they not call me again. Neither caller identified where they were calling from nor what debt they were calling about. Shortly thereafter, I received a collection notice in the mail from XXXX XXXX XXXX XXXX XXXX XXXX and the document reflected the creditor as XXXX and the amount due was {$100.00}. I ignored the mailing because prior to XX/XX/2020 I never had an account with XXXX I switched from XXXX XXXX XXXX ( I had been an XXXX XXXX XXXX  customer for XXXX years ) to XXXX on XX/XX/2020, so I did not call AmSher because I knew they were attempting to collect money that I did not owe. Fast forward to Friday, XX/XX/XXXX, I received an email indicating that a new account had been added to my credit report, so I immediately signed in to check my credit report and saw that there was a collection from AmSher. On Monday, XX/XX/XXXX, I submitted a dispute to XXXX XXXX and XXXX and XXXX has already removed the collection from my account. These companies should not be allowed to harrass people via phone calls, mail and they should not be able to report false accounts to credit reporting companies.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax, Experian, and TransUnion for failing to address my credit disputes within the legally required timeframe. In XXXX and XX/XX/2024, I sent multiple dispute requests to each of these credit bureaus, seeking investigations into inaccurate information on my credit reports. 

Despite the Fair Credit Reporting Act ( FCRA ) mandating a response within 30 days, I have yet to receive any formal acknowledgment, investigation results, or supporting documentation from any of them. Their failure to respond constitutes a clear violation of federal law.

I am urging the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the credit bureaus uphold their legal obligations. Since they have failed to meet the 30-day compliance requirement, I am demanding the immediate removal of the disputed items from my credit reports, along with official written confirmation that the necessary corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has come to my attention that there are errors on my credit report. 
Case law in XXXX vs. XXXX XXXX, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or remove it. 
I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. 
In XXXX Vs XXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made.

I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable.

I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction. 
Please make the requested delete on the following accounts XXXX  ACCOUNT NUMBER XXXX. 
XXXX XXXX XXXX ACCOUNT NUMBER NOT REPORTED. 
XXXX  ACCOUNT NUMBER XXXX. 
XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX. 
XXXX XXXX ACCOUNT NUMBER XXXX
Product: Prepaid card

I have been an AMEX Bluebird cardholder since XXXX XXXX. On XXXX XXXX, XXXX, I disputed what I suspected was a fraudulent charge for {$240.00} on my Bluebird AMEX. AMEX issued a provisional credit to my account while it investigated the charge and notified me by email. On XXXX XXXX, XXXX, Bluebird AMEX informed me by email that the provisional credit was final and the fraud dispute was resolved. On XXXX XXXX, XXXX, my account was reviewed and closed by Bluebird because Bluebird determined that the {$240.00} disputed charge was valid -- some 3 weeks after it had sustained the disputed charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma makes money by partnering with other companies and advertising those other companys services. 

Unfortunately, some of those advertisements are misleading and predatory and hurt Credit Karma customers. Credit Karma has built trust with its customers by offering advice on how to repair poor credit scores, as well as education on the credit and financial systems, it has designed its website for SEO, such that creditkarma.com is frequently the first result when searching the internet for financial questions. Because of this, Credit Karma customers can be misled by advertising. In the same space that Credit Karma advises its customers for credit repair, it pushes predatory loans with excessive fees and interest rates that are not in the best interest of the customer. 

I do not own any product with an interest rate of more than 13 %, and my personal debts are less than {$10000.00} and yet Credit Karma is advertising to me a personal loan with an APR of 20.74 % for a 36 month term, {$3500.00} estimated fees. No matter my personal finances, pushing a personal loan for debt consolidation at an apr of 20 % + is abusive behavior. But whats worse is Credit Karma is pushing this advertisement directly under credit scores and with the language a personal loan could help you pay off your debts faster in a full-screen width element, suggesting to the user that this is Credit Karmas number 1 advice. 

Credit Karma is using its position as a trusted advisor/educator and credit reporter to mislead customers into applying for products that are not only unnecessary, but dangerous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to XXXX XXXX XXXX but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THE FOLLOWING ACCOUNTS FROM MY REPORT IMMEDIATELY : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX A ) XXXX {$3400.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX {$2700.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX {$1400.00} XXXX {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- COLLECTION -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$6100.00} -This is not my account.
Product: Credit card

On my XXXX statement I noticed XXXX incorrect charges that were not made by myself or my wife. XXXX was to XXXX on XXXX for {$540.00}. the other was to XXXX on XXXX for {$3200.00}. I contacted Chase to dispute the charges and close the account to avoid further charges. I then contacted XXXX and they stated that the charge was deemed fraudulent and reversed. When I contacted XXXX the gentleman took my info and said I would be contacted within a few days ... No reply ... In the interim I received a letter from Chase, ( see attach ), stating that they had verified the purchase by XXXX, and the disputed amount was to remain on my account. I sent a letter to Chase stating the incorrect bal on my account after reviewing my next statement.. So far no reply.
Product: Credit reporting or other personal consumer reports

This is my XXXX request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX : {$480.00} XXXX  XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX  Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

on my report appear a balance of a apartment that ca n't be me because on that time i does n't have social security number and i was on XXXX grade of schoolS, also there is a student loan under my name and thats not possible either because like i said i was here with out social SSN
Product: Mortgage

I XXXX XXXX, Have a dispute with JPMorgan Chase home mortgage loan account # XXXX This dispute is regarding the property address XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX, This loan was open with XXXX in XXXX loan amount XXXX XXXX being the first mortgage holder, and Chase being the second. Chase loan was a conventional first stand alone 2nd mortgage loan amount XXXX both loans happen in XXXX in XXXX me and my husband experience a hardship and apply for a modification with the first mortgage XXXX in XXXX, we was not given a modification until XXXX, The new loan amount after paying for 9 years XXXX we later question Chase about the second one we had with them and they reduce our XXXX dollar payment for the XXXX loan to XXXX dollar and gave us a new modification loan although we did not have any missed payment with them they change the payment and added the deferred amount of XXXX to be added to what we still owed XXXX from the original amount this is nine years later, we recently pay off both loans in XX/XX/XXXX, and Chase sent a late payment report to the credit bureau of a missed payment for XXXX which is not true. Chase escalation department stated that they will not change the report and it will be on my record for seven years but they can see that I paid and refuse to amended this report.
Product: Credit reporting or other personal consumer reports

Credit Karma credit card offers, then hard inquiries on credit report
Product: Checking or savings account

-My account was restricted XXXX -I filed the appeal and it was received XX/XX/year> and I asked why my account was restricted they said the system automatically did it -Ive show proof of identity before I was even instructed to go to a branch - on XXXX I went to the beach as instructed by a supervisor only to be told I cant access any funds on my account even if I have proof and to wait on the appeal - on XXXX I was instructed again to go to a branch because my account wasnt updated since it was out of the negative and I could show proof of documents the branch would call security and I would be able to access my funds I even asked could I close the account because I didnt have any interest in banking with them anymore and just wanted my money - the branch told me they told me a lie they cant contact security and I still cant have access to my funds- they even instructed to take it up with the irs but they let the irs deposit my tax refund into the account.
Product: Debt collection

XXXX XXXX XXXX {$580.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested back on XX/XX/XXXX proof that shows this is my debt. My wallet and purse was stolen back in XXXX of XXXX. My social security, etc was all in my bag. So I dont think this is my collection and I reach out over several months ago and have no proof of anything that shows my signature or that these items belong to me. I didnt go to no hospital they billing me for.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach. I want these items Deleted from my credit reports. As you can see,. because I was a victim of this data breach.
Product: Credit card

I opened an account with Bank of America ( credit card with deposit\o of {$99.00}. I did a charge for {$40.00} dlls and statement showed additional {$39.00} for fees. I called them to cancel that account and thet only returned {$17.00} dlls ( check XXXX from their account : XXXX XXXX XXXX XXXX. 
I will appreciate to aske them to return my complete money back
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety