23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am disputing the collection account with UPSTART NETW, account number XXXX, dated XX/XX/year>, with a balance of {$0.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that UPSTART NETW, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Consumer Loan

I was approved for a loan in the amount of {$16000.00} in XXXX XXXX and my first payment of {$370.00} was deducted from my XXXX account in XXXX XXXX. Loan # XXXX I was automatically set up on automatic withdrawal payments and was told that I would be able to remove the automatic withdrawal payment option in the future if I wanted. 

What was not disclosed to me was that if I removed the automatic withdrawal from my account, I would be assessed a {$7.00} fee for each payment I sent the company. After closing the XXXX account, I send payments thru XXXX XXXX Bill payment system to the Lending Club. 

XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX I have received two ( 2 ) emails from the Lending Club telling me that they do n't accept partial payments. These are not partial payments as they are sent to The Lending Club prior to the due date. They are attempting to force me to pay only once ( 1 ) a month. This is a Simple interest loan. I have been bombarded with emails stating that they will apply my payments as " principal only payments '' and force me to pay the payment of XXXX as it is still due.
Product: Credit reporting or other personal consumer reports

My Federal Student Loans have been in forbearance for a long time. I have called a few times to check in on and make sure it's ok that I am not currently paying. It was explained to me that it is currently ok. I updated my email address ( to a more current one I use ), home address and phone number on one of my phone calls with the loan servicer. They told me I would be notified when payments are required again. This morning I received a notification from XXXX XXXX that my score had dropped XXXX points. Apparently my student loan was 90 days late. I have about 8 student loans open so this has been horrific for my credit score. I am currently under contract on my first home and supposed to be closing soon. This can not happen with these derogatory remarks on my credit report. 

After investigating I did receive emails from the loan servicer, but to the email I do not check very often. I did not receive any calls and they did not have my updated address on file so I did not receive anything in the mail. I took all the necessary steps to get in good standing with the loan servicer, but they told me there's nothing they can do to remove derogatory marks. I desperately need help! I am happy to pay my student loan payment again, I am just hopeful there is something that can be done since I was not aware they had restarted payments.
Product: Debt collection

Good day, a company called Zion XXXX XXXX XXXX has reported a collection of {$480.00} on my consumer report. I have know knowledge or no contract with this company Ever. I have filed a FTC report and the number is XXXX.
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Midland funding To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX  2 LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$200.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX XXXX - PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Highest balance {$2300.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, Transunion a consumer credit agency block information that is 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 personal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, and or hard inquiries as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to delete all fraudulent accounts from my credit report within four business days. These accounts were reported without my authorization and must be removed at once. If you fail to comply, legal action and a CFPB complaint will follow. Confirm the deletion in writing.

Side note for CFPB representative : Stop closing my complaint. This is me processing the dispute. Go ahead and push this through. You did this XXXX times already. You need to stop.
Product: Student loan

On XX/XX/year>, I, XXXX XXXX, received an email claiming the status of the account was changed to " an Income-Driven Repayment Plan '' and that an application for that plan was in process. I never applied for any repayment plan nor forbearance. I submitted a 1099-C Copy B form, that I received in the mail from Nelnet, proving cancellation of debt. A closure of the account should have followed. Instead, the account has undergone fraud on several occasions. 

During my several attempts at communication with NELNET ( by phone, email, fax, and USPS mailing ), I thoroughly explained and submitted proof how fraud was committed by NELET INCORPORATED to Nelnet. To date, they are operating the account without authorization or permission from the debtor BY THE LENDER. The lender has changed the status on the account multiple times without the debtors signature or request. 

These actions are fraudulent because the debt was discharged from NELNET via the IRS 1099-C Copy B form that was sent to the debtor. Instead of the account being properly closed, the account balance and status was improperly changed. The discharge of debt copy B form NELNET was sent via the mailing system and should be fully upheld. 

History of Fraud by Lender : XX/XX/year> administrative forbearance ( {$24000.00} ) XX/XX/year> income-driven repayment plan ( {$24000.00} ) XX/XX/year> administrative identity theft forbearance ( {$24000.00} ) The accurate discharged loan balance purchased from Great Lakes reflected in NELNETs balance prior to unauthorized changes to the account was {$24000.00}. 

Thank you
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Good Morning, I'm reaching out to seek assistance with an issue I'm experiencing with a recent money transfer initiated on XX/XX/year> through Western Union, tracking number XXXX  XXXX. The money was promised to be transferred to my personal XXXX  account in XXXX by XX/XX/year> but has not been credited. 

I contacted their customer service team about the delay and was informed that it was due to technical issues, with a promise that the transfer would be completed the next day, XX/XX/year>. However, this did not happen. I reached out again and was told the case was escalated under tracking number XXXX. They requested my bank details and some personal information, which was already available in my account profile and provided during the fund transfer. Nevertheless, I provided the information again and expressed my dissatisfaction with their service. 

Despite supplying the requested details via email, it has been XXXX days since I provided that information and almost XXXX weeks since the transfer was initiated, with the funds deducted from my salary account on XX/XX/year>. 

I contacted them again for a status update and was informed that the previous ticket was closed and a new escalation ticket needed to be opened. When I asked about the status of the previously submitted ticket, they failed to provide a solution and claimed they were waiting for a reply to an email, which I had already responded to within hours. Under the insistence of the customer service representative, I opened another escalation ticket, case XXXX, but have yet to receive an update. 

The way their customer service team has handled this situation has been very frustrating and harassing. The money has been deducted from my account but has not been credited despite my continuous follow-up with them XXXX times in the past week.
Product: Debt collection

For the past one to two years, I have disputed and attempted to validate and verify the alleged debts ( account numbers XXXX, XXXX, XXXX ) that Resurgent/LVNV has listed on my XXXX, XXXX, and XXXX credit reports. I have sent multiple requests and Resurgent/LVNV has never sent any items that validate or verify the alleged debts. They have not produced a contract containing my signature. They have not produced any proof that I have made a payment in any dollar amount towards any of these alleged debts. They have not produced any proof that I made any payment arrangements ( verbal or written ) with Resurgent/LVNV. They have not sent a letter from the original creditor expressing written ownership rights of Resurgent/LVNV and my identity. The accounts in question remain on my credit reports despite them never having been verified by the credit bureaus and Resurgent LVNV never producing documents showing that these alleged debts are valid.
Product: Bank account or service

I would Like to file a complaint on bank of America On XX/XX/XXXX I sent a request for them to investigate a authorized credit inquiry on my XXXX and XXXX report I sent in a copy of a police report explain that I was a victim of id theft. Bank of America never replied back the inquiry was Pulled on XX/XX/XXXX
Product: Checking or savings account

I've been a Simple bank customer since its beginning and loved them. BBVA bought them out and recently decided to close down Simple. They ensured us that the process would be seamless, but it has been awful.

Yesterday was the transition day and we were all instructed to sign-up for online banking through BBVA. When I tried this, I got locked out and was unable to access my accounts. This is not isolated to me, and it appears that there are tons ( maybe even all ) who are experiencing this same issue.

So what? Technical issues happen and are a part of life. I work in IT so I know this firsthand.

However, I'm filing a complaint because there is no way to contact BBVA, and they have failed to send any emails about the situation. Instead, I had to go to social media. Yesterday ( XX/XX/XXXX ) they put up a tweet " BBVA customer service will be open tomorrow, Sunday, XX/XX/XXXX from XXXX XXXX. to XXXX XXXX. Central to assist Simple customers converting to BBVA USA. Please call XXXX for service during that time. '' Well, I've called 25 times and been hung up on every single time. Their customer support staff are being instructed to hang up on these concerned people who can not access their funds. Some of them pretend like they can not hear us and others simply hang up within the first 10 seconds of the call. I know that this is coordinated and intentional because it happened so many times with different support representatives. 

This is truly astonishing to me, and absolutely unacceptable.
Product: Debt collection

I submitted a compliant with CFPB ON XX/XX/XXXX and explained my side of the story. The debt is not mine, I also then went down to the court house and got copies of everything that was submitted for the case by the Plaintiffs. In that paperwork ( attached ) it notes that the DOB is XX/XX/XXXX which is not my date of birth. My date of birth is XX/XX/XXXX. Today during the hearing I presented the paperwork that Livingston had submitted. XXXX who is representing Livingston was not present but via phone. XXXX asked me a few questions and then I was giving the chance to talk I pointed out that I had my credit report and the debt is not listed, I also pointed out that the DOB on the paperwork is not mine. I also confirmed that I was not served and XXXX said they were going to close the case and return the garnishment immediately. However they wanted me to proof where I lived in XXXX. The judge agreed with Livingston in everything and then asked me if I was OK with the decision. I appealed the decision since in the court of law is what you can proof and I have been providing everything I can to show this is not me and Livingston has not provided anything just accused me. I have had to use my vacation time for the day I went in to challenge the garnishment, the first appearance that they were a no show and today, to get paid as I can not afford to miss any day. And yet Livingston wants me to contact them to provide some sort of verification of my residency in XXXX. Again I have been treated unfair and I'm asking to be compensated for this and not have to be harassed by Livingston any further.
Product: Debt collection

I am requesting the removal of an account from my credit report as the charges were made more than 7 years ago. I was affected by Hurricane Harvey and had to evacuate my home during the time these charges accrued. However, the company continued to make frivolous charges. I tried to explain this issue in XXXX, but they did not show any understanding. The debt amount is {$120.00}. I can provide documents to prove that I was affected by Hurricane Harvey at the time.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my frustration and dissatisfaction regarding my inability to access my Equifax online account to retrieve and review my credit report. For the past two years, I have encountered persistent issues logging into your website, preventing me from accessing important financial information. Despite my efforts to seek assistance from your technical support team, I have not received any response via phone or email. This lack of communication has been both disappointing and frustrating. 
To further assist in resolving this matter, I have taken the initiative to send in copies of my ID and social security card multiple times ; however, I still find myself unable to access my account. I kindly request that you investigate this issue as soon as possible and provide me with a solution that allows me to regain access to my account.
Product: Credit card

I have been paying for an insurance policy with Bank of America credit card in case I was hospitalized or lost my job the amount owed would be dismissed. I lost me job and unemployment was not enough to pay all of my bills including rent. I filled out all of the necessary paper work and submitted them. The policy was not honored at all. I have received threatening calls and they have called everyone that I know, church, friends, neighbors and relatives harassing them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  : {$600.00} ; XXXX XXXX XXXX XXXX : {$630.00} ; XXXX XXXX XXXX XXXX XXXX : {$31000.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00}.