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

I am definitely not satisfied with the way you verified these disputes. I'll be serious in dealing with these inaccuracies that you are reporting whi ch affects my score. My succeeding action would be filing complaint with the Attorney Generals Office if still these aren't fixed. You guys even sent me letter saying that these account are verified? You serious? How comethat you come-up saying that these accounts are verified yet there are no supportingdocuments that prove that these are accurate. I need you to perform a reinvestigation on these ambiguous accounts : XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$310.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$510.00} XXXX XXXX XXXX  Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$960.00} XXXX XXXX Late Payment {$14000.00} XXXX XXXXXXXX {$9000.00} XXXX XXXXXXXX {$4300.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$1500.00} XXXX XXXX IN ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$1400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1200.00} XXXX XXXXXXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$980.00} XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$54.00} XXXX XXXX XXXX  {$34.00} XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX {$10.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

Spring of 2016 I was victim of money fraud. An online fraud scam via dating site called XXXX. I checked with my bank, Chase, who confirmed this was legitimate and secure. Turns our after 4 wire transfers, I lost {$16000.00}. Everything I had saved. Chase claimed no responsibility and ignored any part of getting my money back or helping me. 
What can I do. I need help. 
Thank you.
Product: Credit reporting or other personal consumer reports

In reviewing my credit report I discovered several collection accounts. I then contacted those companies and requested copies of all records and documentation including but not limited to their right to collect which would require a copy of their purchase contract with the original creditor or the assignment of the debt to them. If they do not provide authentication and documentation that shows that they purchased the account ( s ), what they paid for it and that they have a lawful right to collect the item ( s ) MUST BE DELETED AND REMOVED from the report. Federal requires this under 15 USC 1692g, 1692c, and 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

When I was a student at XXXX XXXX in XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX 's office pressured me to refinance consolidate my XXXX and XXXX loans to a XXXX XXXX loan where I would end up being required to pay over {$80000.00} to XXXX XXXX, now Navient, instead of the {$36000.00} to XXXX XXXX XXXX. I was out of work for a prolonged period to care for my daughter who was stricken with a very rare form of XXXX XXXX. XXXX XXXX and Navient pressured me, on several occassions between XX/XX/XXXX and today, to accept forbearance instead of deferment, and now the payoff amount is very high, and I feel that i was pressured and harassed, and that the lender did not work with me to provide me appropriate choices. Now I feel my families financial future is ruined, and I wo n't be able to pay medical bills for my daughter or save any money for my children 's college education. Now I am in default because I have been unable to negotiate an acceptable solution. I have paid the principal and quite a bit of interest, but feel it is unfair to pay Navient {$80000.00} for a loan of {$27000.00}. And it was unfair of them not to allow me to defer payments while my family suffered a catastrophic health care crisis. Please let me know how I can get some help with this.
Product: Checking or savings account

XX/XX/2018 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} in the form of a company hand written check by its owner. The check was given to general contractor at my home where we discussed the remodel job. This first installment was to pay for kitchen cabinets and to start the remodeling job with the memo line reading for XXXX ( name of building and unit ) XX/XX/2018 XXXX XXXX XXXX, XXXX, processed my {$15000.00} check for cabinets, install and commencement of work at XXXX XXXX at a Huntington Bank branch most likely in XXXX, IN. 

Owner signed the check with his name only. 
The Huntington Bank guidelines for XXXX check endorsement policies : 1. Business Endorsement on a Check : If a check is made payable to a business, then an authorized person must endorse the check on behalf of the business. 
a. Sign the name of the business as it appears on the pay-to line. 
b. Sign your name c. Write you title with the company ( Owner, Accountant, etc. ) d. Add any restrictions like For Deposit Only.

2. Match Name on Check The name in the endorsement must match the aye ( Pay to the Order of ) name on the front of the check. 
The check was negotiated for the full cash amount of {$15000.00} written to an LLC with improper endorsement according to XXXX XXXX endorsement policies and disclosures. 

XXXX Company Name : XXXX XXXX XXXX XXXX Signatory and title : XXXX XXXX XXXX, President Huntington Bank also states on their website all checks written from XXXX requires a two day hold. Huntington Bank VII. Funds Availability Policy ( Page 16-17 ). 

According to the Huntington Bank availability of your funds, deposits made from XXXX Accounts the entire amount will be available on the second business day after the business day of deposit ( However, at least {$200.00} of your total deposit will be available for withdrawal on the next business day.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Collection Account Dear Sir/Madam, I am writing to dispute the collection account listed under my name, [ XXXX XXXX XXXX Account XXXX XXXX ], which appears on my credit report. I am requesting that this collection be removed from my credit file within 7 days due to the following reasons : XXXX. Failure to Validate Debt ( Fair Debt Collection Practices Act - FDCPA, 15 U.S. Code 1692g ) Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. To date, I have not received any verification or proper documentation to substantiate this debt. Therefore, I am requesting that you provide proof of the debt within 30 days of receiving this letter, as required by law. If you can not provide proper validation, you are legally obligated to cease collection efforts and remove the account from my credit report.

2. Reporting Inaccurate Information ( Fair Credit Reporting Act - FCRA, 15 U.S. Code 1681i ) According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are required to report accurate information. If you fail to provide proof of the debt, I request that you immediately notify the credit bureaus to remove this collection from my credit history, as it constitutes inaccurate and unverifiable information under the FCRA.

3. Time-Barred Debt ( State Law and FDCPA, 15 U.S. Code 1692f ) If this debt is beyond the statute of limitations in my state, then I request that this collection account be removed as it is considered " time-barred '' and can not be legally collected or reported. Please confirm the age of the debt and provide the relevant documentation.

4. Failure to Notify of Debt ( FDCPA, 15 U.S. Code 1692g ( a ) ( 1 ) ) Under the FDCPA, you are required to notify me in writing within 5 days of your initial communication about the debt. If you failed to provide this notice within the legal timeframe, then I request that the collection be removed from my credit report as a violation of my rights under the FDCPA.

Since the debt remains unverified and the collection practices may violate the laws referenced, I respectfully request the immediate removal of this account from my credit report and cessation of all collection activities. I expect a response from your office within 7 days of receiving this dispute.

Please consider this letter as my formal request for the removal of this collection account. If I do not hear from you within this period or if you are unable to provide the required documentation to substantiate the debt, I will take further action as permitted under the FDCPA and FCRA. 
Thank you for your prompt attention to this matter.
Product: Bank account or service

I received a certified letter last Tuesday, XX/XX/2016 that my savings and checking accounts and my son 's savings and checking accounts, which I am a co-signer, were being closed on XX/XX/2016 and that our ATM cards were being closed on XX/XX/2016. I called the XXXX number on the letter and left a message that someone would call me back. When they called back, they said it was a business decision, no other reason was offered. I stopped at my local bank to see if they had an answer and they could not find anything. After running around to get all my direct deposits changed to a new bank and making sure all my bills were covered, I called the number again asking for a supervisor, manager or someone who does not just answer the phone with a book of basic, obscure answers call me back. After two unsuccessful messages, someone called me back and gave me the same answer, " it 's a business decision. ''
Product: Debt collection

On  XXXX  2017  I file a complaint against Compa ny SANTANDER CONSUMER USA r egarding the Validation of debt on So call Debt owe to them.. That 's affecting my credit report and my ability to make a big purchase on a Home. I was provided with a Documention that was n't completely accurate with  Information  submitted on my credit report, also the Signatures were obviously not mine misspelled my name.. The point of complaint today was to determine the authenticity of this account from a legal point of view.. On    XXXX  2017     XXXX  Removed this account From the PRIMARY ACCOUNT HOLDERS Credit Report after it was Disputed the sameway as I am today, So if It was Determine by whoever made the decision that this Account was an Error and removed it. Why have n't it been removed from a ll my Credit reports when without the primary account holder there is n't a contract
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I went to my courthouse to ask if they report bankruptcies to the credit bureaus. They gave me a letter stating They do not report any bankruptcies to anyone. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate? They never did a fair investigation according to 15 USC 1681.

The credit bureaus violated my given rights under 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The 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. 

According to : 15 U.S.C 1681 section 602 A ( 4 ). I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

According to : 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

Equifax letter dated XX/XX/2022 confirmation # XXXX. Results - XXXXXXXX XXXX  account was updated to - PAID IN FULL, account balance {$0.00} and an update freeze was placed on the account. This was done by Equifax per my dispute and CFPB complaint XXXX regarding XXXXXXXX XXXX issuance of a XXXX which cancelled and discharged the debt. 

Just 5 days later, XX/XX/2022 Equifax reinserted a balance of {$22000.00}. 

XXXX account accurate Balance is {$0.00} with reporting date of XXXX per the XXXX issued. Equifax knows the accurate balance is {$0.00} WHICH IS WHY EQUIFAX UPDATED THE BALANCE TO {$0.00} ON XXXX XXXX. EQUIFAX SHOULD NOT HAVE REINSERTED A BALANCE JUST 5 DAYS LATER. 

Equifax dispute results letter dated XX/XX/2022 with pages XXXX, XXXX and XXXX are attached to this complaint for proof of letter received from Equifax. There are yellow highlights on the pages noting Equifax results of {$0.00} balance and paid in full. I am also attaching another copy of the XXXX. 

This seems to be a FRCA violation. Permanently delete this account due to the inability to freeze the updating of a balance on this account. The accurate balance is {$0.00}. The updating from {$0.00} to {$22000.00} then back to {$0.00} then back to {$22000.00} can not keep happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a dispute letter to Equifax on XX/XX/XXXX and Equifax received the letter on XX/XX/XXXX because the sent it certified mail and the receipt came back. I waited about 40 days till i sent out my following letter which was on XX/XX/XXXX stating that i didnt received a response within 30 days of them receiving the first letter which is a major violation under the FCRA law and they didnt seem to care much for it. They did reply after i sent the following letter to them which i received on the XX/XX/XXXX. All it said was the item was verified. They didnt mention anything about the violation that was cause by them and just ignored it. They didnt even send me proof of the item that was supposedly verified. No original documents or signed documents showing me that the item listed was verified in any way which is another violation and if the item can not be proof verified, the item much me DELETED!
Product: Debt collection

I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for low income apartments and they sent me a letter statement saying they couldnt approve me because of something with my credit report so Im trying to find out what happened.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the XXXX data breach below in attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXXXXXX XXXX XXXX XXXX {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$550.00} XXXX XXXX - XXXX {$8700.00} XXXX XXXX XXXX - XXXX {$6000.00} XXXX  XXXX - XXXX {$1300.00} XXXX  XXXX - XXXX {$350.00} XXXX  XXXX - XXXX {$1600.00} Accounts XXXX XXXX - XXXX {$320.00} XXXX - XXXX XXXX  - XXXX {$100000.00} XXXX  - XXXX XXXX XXXX  - XXXX {$3600.00} XXXX - XXXX {$520.00} XXXX XXXX XXXX - XXXX {$6500.00} XXXX XXXX XXXX - XXXX {$20000.00} XXXX XXXX - XXXX {$22000.00}
Product: Debt collection

The amount is XXXX with a service date of XXXX from XXXX XXXXXXXX XXXX XXXX. Told the hospital I do not owe and it was still sent to collection compromising my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX account name XXXXXXXX XXXX XXXXXXXX, Account number 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 a account without my written instruction.
Product: Student loan

American Education Services has been unable to locate my student loan payments that I made through wage garnishment and tax return withholdings. I defaulted in XXXX. I paid {$510.00} every month from XXXX to XXXX. I took the loan out of default in XXXX. American Educational Services has no information about all the payments I made during those 15 years. I have saved pay stubs from my employer but no idea where the money went. Please help me. 20+ years and I still owe {$25000.00} more than I originally borrowed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for 3 days to have a credit freeze temporarily removed from my Equifax account. I have called and talked with 4 different individuals. I have no access to my account. My password has been reset 3 times by Equifax and only works the 1st login then reverts back to the " incorrect information '' scenario. I have attempted to reset the password myself and I either get -- '' information does not match '' or the link is never sent to my email. I have spent an exorbitant amount of time on the phone with Equifax to no avail. I am trying to open a bank account and have spoken to the lender after Equifax has told me the freeze is lifted and the bank tells me it is not. I am being held hostage and I am unable to conduct business due to the incompetence and technical disaster they call a website -- -please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX