23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I will have XXXX eligible payments that count toward PSLF in XX/XX/XXXX and XX/XX/XXXX for my student loans. Since payments resumed in XXXX, I have made payments each time I have been billed and I enrolled in auto debit for my account, in which payments would be debited on the XXXX of the month. On auto-debit, my account was debited for XX/XX/XXXX, but for XX/XX/XXXX, my account was not auto-debited. I received no communication regarding why it suddenly skipped the XXXX payment. The auto-debit resumed on the regular debit date of XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from MOHELA stating that since my XXXX billing statement was sent less than 21 days prior to my payment due date, my account would be put into administrative forbearance from XX/XX/XXXX, XXXX XXXX, XXXX, which meant that no payment would be required for this time frame and that these months would count towards PSLF. On my payment tracker for MOHELA it states that XX/XX/XXXX is an ineligible payment period. I have emailed MOHELA multiple times to have this fixed and I have also called into MOHELA. The wait time for this call was XXXX hours and the representative stated that I should give it some time for the payment tracker to be adjusted. I do not have any confidence that they will fix this issue. I did not ask to be put on forbearance, if I knew that my payment would not be debited for some reason, I would have made a payment, but MOHELA does not communicate effectively. I would just like to have the month of XX/XX/XXXX changed to an eligible payment as it stated in my email on XX/XX/XXXX and have my payment tracker fixed.
Product: Money transfer, virtual currency, or money service

The problem start with me trying to send money to my family in XXXX during the XXXX holidays, at a California Check Cashing store via XXXX XXXX. I attempted 3 transactions that day, 2 was authorized, and 1 was supposed to be canceled ; but never really got canceled. The cashier at the time alleges I pulled my card too quickly out of the machine ; that no money was taken out ; that the transaction would be reversed during closing later that day. My bank was able to verify that the transaction that was supposed to be canceled, was showing up as completed. This causes me some economic hardship as I did not have access to my funds, and was assessed late charges for insufficient funds. The bank initially gave me a provisional credit for the outstanding amount, but later reversed it once they determined the transaction was complete. The approximate {$430.00} taken out of my account was never reversed. Its been almost 3 months of back and forth between the bank and the XXXX XXXX XXXX, and I still havent gotten my money back. I am enlisting your help to try to come up with a resolution to this problem as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX, 2024 Equifax XXXX XXXX Subject : Request for Removal of Fraudulent Accounts from Credit Report Dear Sir/Madam, I, XXXX XXXX , am writing to request the removal of the following fraudulent accounts from my credit report. I have included a new XXXX XXXX Report that details the unauthorized items and creditors involved. 

FTC Report Number:XXXX  1. XXXX Account - Item Disputed : XXXX XXXX - Account Number : XXXX - Issue Type : Account ownership and fraud issues- Issue : This is not my account, and I am a victim of fraud.. 
- Confirmation XXXX : XXXX XXXX. Inquiries : XXXX XXXX XXXX  XXXX - Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX - Date of Inquiry : XX/XX/2024- Action : Dispute this XXXX XXXX XXXX XXXX - Address : XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX - Date of Inquiry : XX/XX/2023 Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of these fraudulent accounts from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 ( ALLY FINANCIAL ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Debt collection

XXXX XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection from XXXX XXXX on XXXXXX/XX/XXXX, under the account number XXXX for {$3800.00} and a credit card opened at XXXX XXXX  on XX/XX/XXXX, under the account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on the consumer credit reports 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.
Product: Debt collection

I was treated by XXXX XXXX for a XXXX issue. I was never told/disclosed any charges during the treatment and was told by the practice that our insurance will " cover '' it. After the treatment, we were sent an unexpectedly huge bill ( $ 1800+ ) for a minor procedure by a nurse practitioner ( not MD or surgeon ). We contested/appealed the charges to the clinic/hospital numerous times. 

Then, at one point ( around XXXX 2017 ), upon our numerous written protests, they sent us a bill for {$120.00} ( only ) and when we called to confirm and pay, we were assured that it was the only outstanding charge on our account. We paid that promptly and assumed that this matter was settled. 

However, a few months later, an {$1800.00} ( appx. ) charge appeared on our account and XXXX started sending bills again. There was no indication of our earlier ( {$120.00} ) payment in the new bill. We have written numerous letters, and provided documentation that we paid ( at least at one point ) all outstanding charges, and that we dispute all other charges, but to no avail. XXXX ultimately turned over the debt to a collections agency ( XXXX XXXX XXXX ) It is our belief that our initial charges were discharged by XXXX XXXX and that they assured us that we only owed {$120.00}, which we paid. We think the re-appearance of appx. $ 1800+ a few months after the account was cleared of any charges is unfair and we no longer should be responsible for charges that were cleared from our account. 

Now debt collection agency ( XXXX XXXX XXXX ) insists that the charges are valid, despite our written assertions otherwise. Thank you for your attention.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$760.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Please review this updated complaint I submitted the wrong bureau letter in previous complaint*** A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX  I thought I was doing the right thing by returning the car. I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. On XX/XX/ and XX/XX/ I sent letters to the credit bureau 's and creditor. The repossession was removed from XXXX and XXXX  but not from XXXX. The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ). Without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I became aware of Vance and Huffman LLC only AFTER receiving notice that they placed a collection debt on my credit report on XX/XX/year>. I have never received written documentation or a phone call/voicemail from Vance Huffman . I looked up their information online and called them immediately. I asked who they are and why they placed this debt on my credit report. I explained to them that I have never been contacted by this company ; I have no documents, no account number, no way to dispute, nothing. The lady on the phone advised that they sent an email in XXXX. I sat on the phone with her and looked through all of my emails, I looked through the spam, I did an email search of the company name, nothing. I asked her to send me another copy of what was sent. She said no and that I can look it up online. When I visited the site that she gave me, nothing in reference to communication being sent to me was there. I have never received any documentation from this company and was not given the opportunity to review and/or dispute prior to this incident being placed on my credit report. I looked at the reviews of this company and that seems to be the consensus ; that they place debt on credit reports prior to sending out a notice.
Product: Debt collection

I purchased services with a third party dealer for XXXX XXXX and XXXX XXXX XXXX services in XX/XX/XXXX. They came to install at our apartment complex. Shortly after the services were installed, we began to have problems with reception and services. This lasted almost 2 years. We requested tech to come out and fix it but they could not climb up on our roof due to company policies. A representative told us they were not allowed to send techs on the roof to install satellites and wondered how we got one on our roof. The third party dealer did the installation but XXXX XXXX could not help us improve reception because we were not getting service most of the time. A representative agreed to waive our cancellation fee due to the severity of miscommunication, neglect and lack of customer service we received in prior to XX/XX/XXXX. I received a statement from XXXX XXXX XXXX in XX/XX/XXXX showing my balance paid in full at {$0.00}. After a year, Credence Resource Management began to harass me with calls all day and passed XXXX that I needed to pay a bill of {$220.00}. I disputed with both XXXX and XXXX but the debt collector produced a fraudulent statement that did not allow me to take the fraudulent debt off my account. I am requesting this be removed from my credit report and that XXXX XXXX XXXX, XXXX XXXX and Credence Resource Management be reprimanded for bringing false debts against me and for harassment.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] TransUnion Consumer Solutions XXXX XXXX XXXX  XXXX, PA XXXX Re : Illegal Reporting of Collection Account by XXXX XXXX XXXX To Whom It May Concern, I am writing to demand the immediate removal of an account being reported by XXXX XXXX XXXX, which has been illegally listed on my credit report for the past XXXX years. Despite receiving confirmation from XXXX XXXX XXXX through an e-Oscar report ( attached ), which shows that TransUnion has no record of this account on my file, it continues to appear on my credit report, significantly damaging my credit history and financial standing. 

Please note that I previously disputed this account through TransUnion, and you falsely claimed that it had been verified. However, XXXX XXXX XXXX has since provided proof via the Consumer Financial Protection Bureau ( CFPB ) that they requested deletion of this account from my credit report. Their request was not processed because TransUnion inexplicably showed no record of the account. Yet, this account has been reported on my credit report for the past XXXX years, proving that TransUnion has not only mishandled this account but also grossly misrepresented the accuracy of my dispute. 

For the last XXXX years, this fraudulent reporting has caused me undue harm, affecting my ability to secure credit and causing significant emotional distress. XXXX negligence in allowing this erroneous reporting to continue is unacceptable and constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). Your failure to ensure the accuracy of my credit report is grounds for serious legal action. 

I demand the following : 1. Immediate removal of this account from my credit report.

2. Compensation for the financial and emotional damage caused by your reckless handling of my credit file.

3. Written confirmation that this account has been permanently removed from all future reports.

If TransUnion fails to rectify this situation within 15 days of receiving this letter, I will have no choice but to file a lawsuit for damages under the FCRA. Please be advised that I will also be seeking compensation for the distress and harm your errors have caused over these past XXXX years. 

I expect your prompt attention to this matter. If not resolved, I will take all necessary legal actions to hold TransUnion accountable. 


Enclosure : e-Oscar Report from XXXX XXXX XXXX
Product: Checking or savings account

1. Initial Problem : In XXXX I opened a Bank of America account after returning from working for a family company in the XXXX XXXX XXXXXXXX. I received payment of {$8500.00} from this company, which I saved while overseas. Upon returning to the United States, I instructed the remitter to send the funds to my new Bank of America account. Shortly after the funds were transferred, I withdrew approximately {$200.00}. Two days later, my account was frozen, and I noticed a negative balance and restrictions on adding or withdrawing money. 

2. Steps Taken : I immediately contacted Bank of America, and they informed me that my account was placed on a fraud hold and required additional information. Within the same week, I contacted the remitting bank and informed them of the situation. The remitting bank contacted Bank of America and provided the necessary information. However, I was later informed that Bank of America did not have the information, so I personally printed out all relevant documents, including the XXXX message, a message from the remitter, and a statement from the remitting bank confirming that the funds were not fraudulent.

Despite providing this information multiple times and making numerous phone calls, I received no helpful informationand was repeatedly given conflicting responses. I visited multiple Bank of America branches, spoke with branch managers, and provided printed documentation, but the issue remained unresolved. 

3. Impact on Financial Situation : As a result of this unresolved issue, I have been placed on a fraud watchlist, which has prevented me from opening any new bank accounts over the past four years. This has severely impacted my credit and financial situation, causing significant stress and hardship. Additionally, my damaged credit has prevented me from obtaining a credit card, making it difficult to purchase everyday necessities. My insurance rates have also increased due to my damaged credit, making it challenging to maintain transportation and employment.

Furthermore, I had to borrow money from family members to cover basic expenses, as I was unable to access my own funds. I was also unable to secure stable housing and had to rely on friends for temporary accommodation, causing significant disruption to my life. All of these challenges were exacerbated by the COVID-19 pandemic, which made it even more difficult to access essential goods and services.

4. Documentation and Evidence : I have retained c
opies of all relevant documentation, including correspondence with the remitting bank, XXXX messages, and statements confirming the legitimacy of the funds.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$4100.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX tradeline Account # XXXX XXXX .... as inaccurate XXXX XXXX, XXXX, with XXXX, EXPERIAN, and XXXX. A direct dispute with XXXX on XXXX XXXX, XXXX. There are errors before the dispute and after the dispute. There was no investigation done on XXXX tradeline. 

The disputed credit reports are as follow : credit report XXXX XXXX, XXXX, XXXX, credit report XXXX XXXX, XXXX, EXPERIAN and credit report XXXX XXXX, XXXX, XXXX. and XXXX letter where mailed out and delivered in XXXX XXXX. 

EXPERIAN Response was ( Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ) and XXXX response was ( Information Updated ). XXXX response was ( We 're writing to let you know that after careful research, we 've confirmed that we 're accurately reporting your account to the following credit reporting agencies : XXXX, EXPERIAN, and XXXX. ) The list of errors : DATE UPDATED OR VERIFIED DISPUTED credit report XXXX XXXX, XXXX, XXXX ( Items as of Date Report : XXXX XXXX, XXXX ) credit report XXXX XXXX, XXXX, EXPERIAN ( Date of Status : XXXX XXXX XXXX credit report XXXX XXXX, XXXX, XXXX ( Date updated : XXXX XXXX, XXXX XXXX. 

DATE UPDATED OR VERIFIED AFTER DISPUTE credit report XXXX XXXX, XXXX, EXPERIAN ( Date of Status : XXXX XXXX ) credit report XXXX XXXX, XXXX, XXXX ( Date updated : XXXX XXXX, XXXX XXXX There was no investigation done on credit reports from EXPERIAN, XXXX or XXXX. 

I made my last payment on XXXX XXXX, XXXX DATE OF LAST ACTIVITY/CHARGE OFF DATE DISPUTED credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX XXXX Date XXXX/XXXX/XXXX ) credit report XXXX XXXX, XXXX, EXPERIAN ( XXXX XXXX XXXX Date XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX/XXXX/XXXX XXXX date XXXX/XXXX/XXXX ). 

DATE OF LAST ACTIVITY/CHARGE OFF DATE AFTER DISPUTE credit report XXXX XXXX, XXXX, EXPERIAN ( XXXX XXXX Charge-off Date XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX/XXXX/XXXX XXXX Date XXXX/XXXX/XXXX ). 

There is re-aging with EXPERIAN, all three reports are inconsistent and the date of last payment an all three are incorrect. The charge-off date on all three are incorrect last payment XXXX, so charge-off date I believe should be XXXX. 

INCORRECT BALANCES Because the information such as charge-off date, Date of last activity is incorrect the balance is also incorrect. 

OTHER ERRORS credit report XXXX XXXX, XXXX, XXXX ( Date XXXX XXXX. XXXX Rpt incorrect ) credit report XXXX XXXX, XXXX, EXPERIAN ( XXXX incorrect ) credit report XXXX XXXX, XXXX, XXXX ( Two maximum delinquency of 120 days in XXXX and XXXX ). 
XXXX, EXPERIAN, and XXXX ( past-due amount should be {$0.00} the account was sold or transferred to XXXX XXXX, XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX  ( XXXX : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX  XXXX XXXX Balance : {$200.00}.