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

I am writing to you with a sense of urgency regarding the inaccurate information present on my credit report. It has come to my attention that there are significant errors that require immediate correction. 

It is utterly unacceptable that my creditworthiness is being compromised due to inaccuracies within your report. These errors not only tarnish my financial reputation but also hinder my ability to access essential financial services and opportunities. 

I demand that you take prompt and aggressive action to rectify these inaccuracies without delay. Your failure to do so will not be tolerated, and I will pursue all available avenues to ensure that my credit report reflects accurate and truthful information. 

Furthermore, I expect transparent communication throughout this process, including regular updates on the status of my dispute and the steps being taken to resolve the issue. 

Please be advised that I am prepared to escalate this matter to the highest authority if necessary to achieve a satisfactory resolution. 

Time is of the essence, and I anticipate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports on XX/XX/2023 and noticed that there are inaccurate accounts reporting on my credit report. 
XXXX XXXX acct. # XXXX XXXX XXXX acct. # XXXX Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 
I contacted XXXX, Equifax, and XXXX and asked them to investigate and remove the inaccurate accounts from my credit report and that they are illegally reporting and i requested specifically the alleged original application bearing my signature they have not been able to provide. 
This is a violation of the FAIR CREDIT REPORTING ACT, and this disputed item may appear on my credit report if it can not be supported by any evidence or proof.
Product: Credit reporting

The same debt is and has been reporting XXXX on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting XXXX and is in violation of the FCRA.
Product: Checking or savings account

Dear CFPB, I have a problem with my bank M & T. About two and half months ago someone broke into my account and wiped it out, about $ XXXX. I filed a dispute with M & T bank, they put a halt to my account for two and half month 's. I made at least XXXX phone calls and everyone sent me to another person made me feel like a ping pong ball. I have two Social Security payments in the account but they won't even let me pay my bills with those I have in there. I was told I may owe them! My credit went down so bad because I can't pay my bills! 
I have XXXX XXXX XXXX and do not have much energy to go there every day, I ca n't drive there because I use XXXX XXXX 
Is there anything that can be done about this problem? 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Prepaid card

It was on XX/XX/XXXX a transaction of XXXX made to XXXX and the same date different time was made to Expresso of XXXX I didn't do those transactions I've already made a dispute on it on XX/XX/2023 and I haven't gotten any answers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  I have listed the following : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15U.S.C. 1681 Section 602 A Section 1 States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 States consumer reporting agency can not furnish without my written instructions
Product: Student loan

Details of the Complaint : I am filing this complaint regarding a private student loan I obtained through Sallie Mae for attendance at the XXXX XXXX XXXX XXXX. The school abruptly closed before I could complete my degree due to fraudulent practices. My federal student loans were fully canceled and refunded under the Department of Education 's Borrower Defense program, but I am still required to repay my Sallie Mae private loan, which totals approximately {$600.00} per month. 

The continued repayment of this private loan places an undue financial burden on me, particularly since the schools closure was beyond my control and has left me without a degree or the ability to benefit from my education. 

I have contacted Sallie Mae to request discharge of my loan based on the fraudulent practices of the school, but I am seeking assistance in ensuring they address this matter fairly and in good faith.
Product: Debt collection

This company Cawley & Bergmann , LLC cantact me in different ocacion, try to collect a amount of a XXXX XXXX. This company have all my personal information with out my concent and are haresting me and making me feel very intimidate with their phone calls.
Product: Money transfer, virtual currency, or money service

At appx. XXXX on XX/XX/XXXX money via XXXX from my Chase Account was sent to Unique Moore on two separate transaction. Because the service was never provided and the phone numbers that I was in contact with have been disconnected I am a victim of fraud. 
The following are the phone numbers : XXXX - XXXX - XXXX & XXXX - XXXX - XXXX. 
The service was supposed to be tickets to the XXXX XXXX game scheduled for XXXX XX/XX/XXXX. As of XXXX XX/XX/XXXX the tickets have not been sent to my XXXX account as promised by the recipient. A screenshot of my XXXX account that includes the date and time confirms this. Please find it attached. 

I recipients name the funds were sent to is XXXX XXXX. Her phone number is XXXX - XXXX - XXXX. 

I swear under the law this transaction did not deliver as requested. 

Since XXXX, I have been in contact with XXXX, Chase and the XXXX XXXX Police Department to resolve this issue. Case # XXXX was generated with the XXXX XXXX Police Department as they are investigating. Chase has initiated a backorder investigation are attempting to retrieve my funds as a " courtesy '' as the representative put it. 

I have attached all the needful documents. I have included the Please find them attached. 

P.S. I just attempted to call the XXXX number that corresponds to XXXX  XXXX. I called at XXXX today XX/XX/XXXX. A woman answered the phone and confirmed it was indeed XXXX XXXX. I informed her of the above information and that the police are in involved. She denied that she had ever received the money. Of course, Chase Fraud Department has indeed confirmed that the money was indeed sent evidenced by the transaction # 's attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Fifth Third Bank. I contacted them for the last couple months trying to have this account removed off my credit. I contacted them they stated they will remove it. It never went no where. Im in process of purchasing a house and this account reporting as closed in XXXX is hindering my process. I need this account off of credit report like bank stated they will do. The account is also pass 7 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report due to my status as a victim of a data breach. Pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and inquiries be immediately removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX  XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$700.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$590.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$380.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$380.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} Inquiries to be blocked and deleted : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to express my deep disappointment and frustration regarding your company 's lack of response to the compelling evidence I provided through an FTC affidavit.I specifically want to address my most recent communication on XX/XX/year>. In that correspondence, I requested EXPERIAN to conduct an investigation to authenticate a disputed account. I highlighted that this account potentially contained inaccuracies and should not be on my consumer report. While an " investigation '' was carried out, I must bring attention to a significant issue that has arisen. I received a letter stating that the creditor confirmed the accuracy of the accounts.It seems improbable that this creditor, managing millions of accounts across various bureaus, would take the time to verify this specific account unless prompted by EXPERIAN. I strongly believe that EXPERIAN employed delaying tactics against me in processing this investigation. Let me be clear : such behavior not only constitutes a stalling tactic but also violates the Fair Credit Reporting Act ( FCRA ) by neglecting to address my dispute request. The initial request for investigation was solely initiated by me, with valid reasons to believe inaccuracies existed on my credit report and without involvement from any third-party agency. It appears EXPERIAN intentionally disregarded my request for a thorough investigation.Therefore, this complaint serves as a formal notice demanding EXPERIAN to provide a detailed outline of your verification procedures within 30 days for the specified accounts below. Failure to comply will leave me no option but to pursue legal action against your company. Please investigate and remove it from my credit report.
Product: Student loan

my loans started with XXXX and have recently been transferred to Aidvantage who is mashandling my loans and misinforming me of my rights. I had an IDR plan with XXXX that started XX/XX/XXXX in the amount of {$39.00}. i paid this until XXXX when my loan was transferred to aidvantage. in XXXX aidvantage charged me XXXX instead of the IDR XXXX when i inquited the associate was not sure why i was charged this amount as the rest of my payments were listed at the XXXX. I decided at that point to continue with the government defferment as money was tight. I recently went in to check my account due to the restart in XXXX payments. they are charging me {$210.00} XX/XX/XXXX and XX/XX/XXXX, and then reverting to the {$54.00} for the remaining months through XX/XX/XXXX. I called to ask about the error and was told there was no error, they can change the amount at any point and that I have to re certify to resolve the issue. I told the associate that they could not change the terms on my idr until XX/XX/XXXX per their own website. I then read them the terms listed on the FSA covid idr announcement and was told those did not apply to me. I asked for a supervisor, they forwarded me to a XXXX. she called me 30 minutes later and immediately hung up with out talking to me and has not reached back out. they are trying to bully me into recertifying instead of honoring the terms laid out by FSA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft alert has been placed on my credit reports due to information being shared and stock through data breaches and dark web exposure. There are fraudulent accounts and inquiries listed on my credit reports. XXXX, Equifax, and XXXX have reported accounts that are fraudulent from XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

cra violation nationstar reporting inaccurate information on credit report no knowledge of account sent po report case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT!! I am in the home buying process and these fraudulent accounts are causing my family and myself a lot of emotional distress. I've been trying to buy a home and I am being impacted by these fraudulent accounts. 
There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The XXXX XXXX agency continues to violate my rights according to XXXX XXXX XXXX. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character.
Product: Debt collection

XXXX XXXX Ford credit offices. Was informed that XXXX XXXX XXXX, my ex husband had paid off the debt in full. That they did not have any record of it going to collections. 

Was expecting a letter from them with this detail per my request within XXXX business days. Never received it. 

Have written 4 letters since to debt collection address on file and disputed with each bureau to only have the debt somehow magically owed in XXXX and XXXX. I have never received a letter or any information of this debt. 

Called back to the XXXX office on XX/XX/XXXX to again be told they have no record. Again I requested a letter stating as such in which I have not received. 
Called the 3 bureaus to open disputes as their reports are inaccurately reporting a debt that dies not exist only for all 3 to ignore my proof and keep the account on. 

At this point XXXX and the bureaus are reporting an illegitimate debt that neither they nor FORD CREDIT can give evidence that I owe.i have no account number as the one in the report does not match any of their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX XXXX corporate office in regards to a debt that is appearing on my credit reports. After numerous phone calls it has been agreed that XXXX XXXX XXXX would delete the information they were reporting to the 3 major credit reporting agency 's. I was told to re-dispute the account with the credit reporting agency 's again and they will respond to give verification to delete this account off my credit reports. I followed what they said and today I received notification from transunion credit reporting that the information has been verified as belonging to me and updated. This account does not belong on my credit reports and is causing my credit score to decrease in a negative way. I am submitting this complaint about XXXX XXXX XXXX and transunion. I last checked and XXXX had removed this account and deleted it off my credit report so they are responding to delete it however transunion just keeps updating it and not deleting it off my report along with XXXX  it is still reporting.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated rights.

15 U.S.C. 1681 section 602 ( A ) states I have right to privacy.

15 U.S.C. 1681 section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing 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. S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
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 federal Protected Consumer Rights to privacy and Confidentiality under 15 USC 1681 Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Date Opened : XX/XX/XXXX Amount : {$6400.00} XXXX XXXX Account # XXXX Date Opened : XXXX XXXX Amount : {$1000.00} XXXX XXXX XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$3700.00} XXXX XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Amount : {$23000.00} XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Amount : {$19000.00} has violated my rights. 15 U.S. c 1681 section 602 A States I have the right to privacy. 15 U.S.G 1681 section 604 A Section 2 : it also states a Consumer reporting agency can not furnish an account without my written instructions. 15 vis. 1681 c ( aX5 ) section States no consumer reporting agency may take any consumer report containing any of the following items of information any other than records of convictions of Crimes which antedates the report by more than seven years. 15 US. C 16815 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. privacy and Confidentiality under 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a letter from the presidential office of XXXX XXXX XXXX  about the XXXX XXXX XXXX  card being reported on my credit report and was informed that could not find any application or account in my name. This account is fraudulent and needs to be removed asap. I am unaware where Transunion, XXXX, and XXXX is getting my information from if XXXX XXXX Bank said they have no such information in their system. This is identity theft pursuant to 15 USC 1681a ( a ) ( 3 ). I never authorized XXXX XXXX to use or transfer my identification to any company. This is defamation of character to report negative inaccurate information about a consumer. I tracked my certified letters to the reporting agencies, and they failed to respond or open an investigation. This is not a request to reinvestigate but a demand to remove tradeline due to failure of proper investigation into inaccurate information being reported. I DID YOUR JOB BETTER THAN YOU DELETE THE TRADELINE
Product: Student loan

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Improper Interest Accrual on Student Loan Dear Sir/Madam , I am filing a formal complaint regarding improper interest accrual on my student loan account, serviced by Mohela, while I was enrolled in the Saving on a Valuable Education ( SAVE ) Plan. This complaint concerns [ specific amount of interest accrued ], which was applied to my account despite the SAVE Plan 's provisions that guarantee no interest accrual during {$0.00} payment periods.

Summary of the Complaint : Improper Interest Accrual Despite Eligibility for {$0.00} Payments I discovered on XX/XX/XXXX that {$29000.00} in interest had accrued on my account. Under the SAVE Plan, borrowers eligible for {$0.00} payments should not accrue interest. This interest charge violates the program 's terms, which were implemented to protect borrowers from unnecessary debt accumulation.

Inadequate Response from MOHELA Shortly after discovering the interest charge, I contacted Mohela. A representative assured me that the interest would be removed. However, the charge remains on my account. Additionally, when I spoke with a supervisor on XXXX, they could not explain the origin of the interest charge and promised a follow-up, which never occurred. 

Press Release by Education Secretary XXXX XXXX In response to the XXXX XXXX XXXX XXXX XXXX siding in favor of a lawsuit challenging the SAVE program, Education Secretary XXXX XXXX stated on XX/XX/XXXX, that borrowers enrolled in the SAVE plan will be placed in an interest-free forbearance. Despite this guarantee, interest has continued to accrue on my account.

Violation of Federal Protections These actions may violate federal laws and regulations, including : The Higher Education Act of 1965, which governs student loans and protects borrowers rights.

The Fair Debt Collection Practices Act ( FDCPA ), which prohibits unfair debt practices.

The Truth in Lending Act ( TILA ), which ensures accurate loan terms disclosure. 

Lack of Transparency MOHELA has not provided adequate documentation or a clear explanation for the improper interest charges, leaving me without a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX