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

I disputed a collection account from XXXX XXXX XXXX with Equifax because the debt collector failed to provide proper validation upon request. I sent a validation request to XXXX XXXX XXXX on XX/XX/XXXX and to XXXX XXXX XXXX XXXX on XX/XX/XXXX. Neither company provided the required documentation, such as a signed agreement or detailed account history proving ownership of the debt. Despite this, Equifax refused to remove the account and only updated the status instead of deleting it. The Fair Credit Reporting Act ( FCRA ) requires that unverified debts be removed from my credit report. Equifax also failed to provide a Method of Verification ( MOV ) explaining exactly how this account was verified. Without proof of ownership and validation, this account should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

[ 15 U.S.C. 1681 ] ( 602 ) ( a ) : Congressional findings and statement of purpose. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

[ 15 U.S.C. 1681 ] ( 604 ) ( a ) ( 2 ) : ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
Product: Debt collection

I have received your notice that you have bought the alleged debt. Once again you are impersonating a creditor. If XXXX stated NCB MANAGEMENT bought the debt and RISECREDIT closed account and removed from their system you bought the debt wouldnt that be considered your debt you are liable for. Your company not only bought the debt but obtained my personal information without MY permission. I do not know you neither went into business with you. This is identity fraud. I am the grantor of the credit I extend my credit which makes me the? I have a right to privacy in my personal transaction! You are damaging my credit! You did not send me a request to access my credit account neither did I give you MY personal information. Your company has my personal, private information that should only be obtained if I give the company the right to do so. You are NOT a company I ever did business with. I will file a IRS 3949a form on NCB AS WELL AS XXXX AND XXXX for not doing a proper investigation and not getting my consent to furnish fraudulent information to my credit account. Do your company read laws on securitization and XXXX ACCOUNTING? This is redundant and I have sent multiple notices to you to cease and desist all collection activities and remove from my report due to identity theft because I did not give you my personal information which means you got the information fraudulently. XXXX is in violation as well for selling my personal information to an unknown 3RD PARTY. You are not the creditor neither did I give NCB management my information. XXXX closed this account you bought the debt YOU are liable! I DO NOT KNOW YOU OR YOUR COMPANY thats damaging my consumer report! Have you read the privacy act, or fair debt collect practice act even ftc laws! You are in violation and could face criminal charges if you proceed! I did NOT do business with you so you shouldnt have my PERSONAL information! Thats identity theft and impersonating a creditor is fraud! YOUR COMPANY JUST SENT ME A LETTER STATING A data breach in your system. NOT ONLY DID YOU OBTAIN MY INFORMATION WITHOUT MY KNOWLEDGE AND CONSENT NOW YOU HAVE PUT MY PERSONAL INFORMATION AT RISK DUE TO YOUR COMPANY NEGLIGENCE! This is how your company operates than you should be shutdown immediately!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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

Problem : SoFi and XXXX ( SoFis payment service provider ) unethically charged an extra principal amount of {$25000.00} and its accrued interest on the private student loan even though the educational loan has been paid off completely. I called XXXX several times ( from XX/XX/XXXX to XX/XX/XXXX ) to resolve the issue, but their supervisors failed to address the issue or provide any status updates to help me. SoFi doesnt help either and they brush off the problem saying to call XXXX to resolve any issue. 
_____________________________________________________________________ XXXX XXXX : Only one student loan amount of {$29000.00} is sanctioned and disbursed to the university by SoFi.

1st disbursement is {$14000.00} on XX/XX/XXXX 2nd disbursement is {$14000.00} on XX/XX/XXXX From the second disbursement, the university returned {$3900.00} on XX/XX/XXXX to SoFi/XXXX as this was an extra amount that neither the university nor the student required. 

I paid off the first disbursement of {$14000.00} and accrued interest completely between XX/XX/XXXX and XX/XX/XXXX. 
The second disbursement of {$14000.00} and accrued interest is paid off completely between XX/XX/XXXX and XX/XX/XXXX. This second disbursement repayment transaction also includes the returned amount of {$3900.00} from the university. 

Therefore, I have technically paid off all principal and interest for the original {$29000.00}. I have shared the payment history for reference and as a source of truth. 
_____________________________________________________________________ SoFi and XXXX Erroneous Execution Explanation : Instead of closing this loan account, SoFi and XXXX created a new loan sequence with a principal amount of {$25000.00}. As I understand they subtracted the universitys returned amount from the total loan amount disbursed and created a false loan sequence i.e. {$29000.00} - {$3900.00} = {$25000.00}. But they failed to account for the repayment ( including interest ) already made. 

Im now forced to pay the installments and interests on this false extra loan amount out of fear of them reporting to credit reporting agencies for no wrongdoing of mine. The only means to contact their customer service is a phone call and the team doesnt follow up, at least via email as a courtesy to provide any status update on the issue. Every time I call them, I need to explain the same issue repeatedly and they tell me to pay the installments without any proper investigation into the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached documents show XXXX failed to live up to the terms of the XXXX for my Private Student Loans they acquired from XXXX. 
1. XXXX XXXX XX/XX/XXXX response to CFPB ( page 13 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 10 of the attached doc ( p. XXXX of XXXX ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) XXXX  was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. XXXX - XXXX ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX. 

The situation that transpired is one in which XXXX 's failure to properly process deferments and forbearances, and subsequent failures in adjusting statement generation, and billing schedules led to the following harm : 1. Invalid derogatory CO status for XXXX, because invalid processing of forbearance and subsequent deferment resulted in billing and accounting irregularities from XXXX XX/XX/XXXX thru present from, progressing from initial thirty ( 30 ), to ninety ( 90 ), to one-hundred twenty ( 100 ) etc., until the account was charged off without me ever receiving a single bill for periods of deferment, and without receiving revised bills when the disaster forbearance was retroactively applied on or around XXXX XX/XX/XXXX XXXX
Product: Debt collection

I created a XXXX Account in XXXX XXXX. After the account was created i wanted to transfer all of the devices from 1 account to the new account. What was done was, all of the mobile devices were transferred but XXXX did not transfer the tablet that was on the account and by their policy you can not have only a tablet on a mobile account so after 6 months of various charges piling up, I was finally notified about what was going on. After trying to resolve the matter what ended up happening was that there was a payment plan set up to pay off the current bills and the bills accrued from the other line still being open. 

The account was fully paid off and up to date with no missed payments and as of XX/XX/XXXX there was a {$0.00} balance on the account and i decided to transfer all of the lines again and close my current that was in my name and transfer them to my mothers name so that i may leave XXXX due to them cutting my phone off for no reason every few weeks and having to call and stay on the phone with them for hours just to correct the problems they were causing. 

The account was closed and all of the devices were transferred correctly this time, but this time there were charges applied to the account AFTER it was closed, not transferred to the new account, but applied to the closed account. 

I was notified by a collections agency in XX/XX/XXXX that they had taken over the debt from XXXX and that XXXX had filed negative remarks on me to the credit bureaus. After contacting the debt collector to gain information they simply wanted me to pay it but had no control over what would happen with my credit. After contacting XXXX and asking them would they give documentation stating that if i did pay them the debt, even though i knew that there shouldn't be a debt, would they give me or send information to the credit bureaus to have the item removed, they stated that whether if i chose to pay the debt or not that it is their company policy to not change any information sent to any credit bureau as they want the negative remarks to remain on the accounts for no less than 7 years.
Product: Mortgage

I wanted to make a payment in advance to my mortgage with Bank of America. I could not find any clear direction on the website to complete this. I have had issues in the past with additional payments being credited to the principle of the loan rather than as advance payments as agreed. 

I called the customer service number. I was directed to give reason why I wanted to pay in advance in a letter to the " pay in advance '' department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below XXXX XXXX XXXX XXXX : XXXX BAL : {$0.00} DATE OPENED : XX/XX/XXXX CREDIT CARD CO CHILDSUPPORT ACCT # : XXXX BAL : {$6100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXX CREDIT CARD CO I C SYSTEM ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX  ) ACCT # : XXXX BAL : {$910.00} DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCT # : XXXX BAL : {$2300.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX ( original Creditor XXXX ) ACCT # : XXXX BAL : {$1800.00} DATE OPENED : XX/XX/XXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX  ) ACCT # : XXXX BAL : {$520.00} DATE OPENED : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian due to their failure to investigate and resolve inaccuracies on my credit report. In addition, I disputed incorrect personal information listed in my credit file. 
On XX/XX/year>, I mailed a dispute letter to Experian via XXXX XXXXXXXX XXXX  tracking number XXXX. According to the XXXX tracking information, Experian received my dispute letter on XX/XX/year>. Despite the clear evidence of delivery and the specific nature of my dispute, Experian has failed to provide any updates or resolution and more than 30 days have elapsed. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experian 's failure to do so is a direct violation of my consumer rights. 
I have attached a copy of my dispute letter to Experian and the XXXXXXXX XXXX XXXX receipt as evidence.
Product: Debt collection

Greetings - I have been attempting to clear an item on my credit report that was reported by Citicard. It took me 3 weeks and XXXX phone calls to Citicard to research this item that was not recognizable to me. Citicard repeatedly told me they did not have any information on my account and to call back later. I continued to call Citicard back repeatedly and continued to receive the same statement. 

Finally, on the XXXX call, I pushed to speak to someone else and was finally turned over to Citicard 's Internal Recovery Dept. At this point, I did not have the time or energy to purse this charge as a fraud as I am in the midst of applying for a mortgage loan. I told the Citicard associate that " I just want to pay off the debt ( the outstanding balance was minimal, {$260.00} ) so that I could close this issue. '' She told me could pay over the phone, then call back in 15 days to get a zero balance letter. I said I needed the letter sooner, can I call back once the check had cleared. The associate responded yes. 

( BTW- it is ridiculous that I have to initiate a call instead of them automatically sending me the letter once the debt was cleared. ) I validated the payment I made to Citicard cleared my bank and called back 4 days later. I was then told that I could not get a Zero Balance Letter until 15 days had passed from payment. I stated this was NOT what I was told by the Citicard associate who accepted my payment. 

I clearly and specifically asked the associate who took my payment if I could call back once the payment had cleared and get the letter, and she said yes. This morning, I spoke to XXXX associates who refused to send me a letter. The XXXX Citicard associate admitted ( XXXX was her name ) I was given erroneous information by the Citicard associate when I made my payment. 

During each phone call ( XXXX in all ) Citicard attempted to collect personal data from me ; phone number, email, place of employement, etc.. I refused each time. But Citicard continued to request that I update their information on file. 

Please note - I am not entirely sure this was a valid charge on my credit report. However, given the low amount outstanding and my need to move on w/ my mortgage application, I chose to pay off the debt. Had I not been under a time constraint, I would have fought this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against CashApp regarding a serious issue of unauthorized account creation and their failure to provide adequate and timely resolution. 

Without my authorization, CashApp opened an account in my name and subsequently issued a debit card under this unauthorized account through XXXX XX/XX/XXXX At no point did I consent to or initiate the opening of this account. This is a clear violation of my financial security and privacy, and raises significant concerns regarding CashApp 's identity verification and account security practices. 

Upon discovering this fraudulent activity, I attempted to contact CashApp to report the issue and seek resolution. When I reached out requesting to investigate and close this account, they kept requesting more information from me and asking me to send photos (! ) of the face and back of this fraudulent debit card. This, of course, I refused, since this debit card should not even exist, and because this would mean disclosing sensitive information such as the card 's number, expiration, etc. that could be then used to cause me financial damage. Despite my attempt to have them fix the issue, I was unable to reach a resolution. As a result, I was forced to take alternative measures by contacting XXXX directly to cancel the unauthorized debit card. However, I remain uncertain as to whether the bank and CashApp account itself is still active under my name, which poses ongoing risks to my personal and financial security. 

I request immediate action from CashApp to : Close any unauthorized accounts opened in my name. 
Work with XXXXXX/XX/XXXX to close all existing accounts and debit cards, and completely remove my information from their systems that were all fraudulently created ( I am NOT a XXXXXX/XX/XXXX customer, nor would I like to be ). 
Provide written confirmation that no unauthorized accounts ( other than my existing authorized account ) remain open under my identity, both with CashApp and with XXXX. 
Conduct an internal review of their verification processes to prevent similar fraudulent occurrences in the future. 

I urge you to investigate this matter and hold CashApp accountable for their failure to implement proper safeguards against unauthorized account creation and their complete lack of customer support seriousness and timeliness. 

Please advise on the next steps I should take to ensure this issue is fully resolved. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS STILL REPORTING ON MY CREDIT AND THEY ARE IN VIOLATION. I WROTE THEM MANY TIMES TO VALIDATE THE DEBT AND NO RESPONSE. I SENT THEM A POLICE REPORT AND ITS STILL REPORTING ON MY CREDIT. I NEED IT TO BE REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation and correction of inaccurate reporting on my XXXX student loans. I have noticed that my credit report incorrectly lists several of my student loans as past due for various months. These entries are incorrect and negatively impact my credit. Below are the details of the discrepancies : XXXX  Days Past Due : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Days Past Due : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The XXXX loans affected are : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account name : XXXX  XXXX Account Number : XXXX Amount : {$480.00} Account name : XXXX XXXX  Account Number : XXXX Amount : {$520.00} Account name : XXXX XXXX Account Number : XXXX Amount : {$7200.00} Account name : XXXX Account Number : XXXX Amount : {$480.00} Account name : XXXX  Account Number : XXXX Amount : {$340.00} Account name : XXXX  Account Number : XXXX Amount : {$4500.00}
Product: Credit card or prepaid card

I opened a Discover credit card account in 2009, and have been getting charged every month for payment protection without my consent. I called, and also noticed that there have been lawsuits with Discover card over this very thing. Discover said it will only reimburse me for the past 6 months and not a penny more. They have illegally taken thousands of dollars from me since 2009. Looking at forums, it appears that others have been reimbursed their full amounts.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that need immediate attention. The company has acknowledged this error and committed to updating the status to open/never late. Other credit bureaus have already corrected the status of this account after the company recognized the inaccuracies. 

I kindly request a thorough investigation into this account and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this timeframe. Specifically, regarding this account XXXX XXXX XXXX