23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I co signed a XXXX XXXX from XXXX XXXXs, XXXX in XXXX XXXX, NJ and XXXX quickly change the name of the company to pay back to University XXXX XXXX. My son owed {$10000.00} and they were demanding {$150.00} per month. I co signed the loan and I was trying to pay them {$50.00} per month. Now I found out the balance owed as dropped to {$3400.00} and they are still demanding {$150.00} per month. I can not afford this and I have a print out from CFPB stating " The CFPB is seeking relief for private student loan borrowers who took out Loans after XX/XX/XXXX '' My son went to XXXX in XXXX and never received all the services he was promised. He was ignored when we tried to contact them. Is there any way we can not pay this back? If the settlement allowed Federal loan relief why not also private student loan relief as well? That is not fair!
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 XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. I do not recognize it absolutely, its a pure Identity theft abuse. I am writing this message in order to ask you to delete this unknown account from my credit report. Thank you for understanding!
Product: Debt collection

On XX/XX/2023, I sent a notarized Billing Error Notice to AlaskaUSA FCU 'S registered agent via USPS certified mail with a Domestic Return Receipt. AlaskaUSA FCU 'S registered agent received the Billing Error Notice on XX/XX/2023. 

I also sent a copy of the Billing Error Notice to AlaskaUSA FCU 'S XXXX XXXX XXXX and AlaskaUSA FCU Payment Processing via XXXX XXXX mail on XX/XX/2023, and XX/XX/2023. Those Notices were delivered to and received on XX/XX/2023, and XX/XX/2023. 

I am aware that AlaskaUSA FCU shall follow the following procedures as defined in 12CFR 1026.13 ( e ) ( 1 ) Correct the billing error and credit the consumer account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or delivery a correction notice to the consumer.

I am also aware that " the creditor may not collect any disputed amount. The creditor can not restrict, accelerate payment or close an account and or make or threaten adverse reporting to any person about the consumers credit standing without resolving the billing error. '' Lastly, AlaskaUSA FCU has not responded with a rebuttal, point for point, which forfeits AlaskaUSA FCU 'S right to collect the disputed amount as described in 15 USC 1666 ( e ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for these dates to be verified as they are all reporting different dates. These dates need to be verified along with proof of ownership, or removed effective immediately XXXX XXXX : date opened incorrect, closed date incorrect, last payment incorrect Rent debt automated : Date of last activity incorrect, date opened incorrect, original creditor incorrect name, account states open when it has been closed XXXX XXXX XXXX date opened incorrect, states open when its closed, original creditor incorrect name/spelling XXXX XXXX  : date reported incorrect, Balance owed incorrect, states open when closed, original creditor incorrect name/spelling XXXX XXXX : Incorrect open date, states open when closed, original creditor incorrect name/spelling XXXX XXXX XXXX States open when closed
Product: Debt collection

On a recent check of my mail I see there is a collection/charge off account from RAS LaVrar LLC saying I owe a debt of {$2100.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of XXXX  days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + current mailing address Letter I received from you
Product: Checking or savings account

I have contacted upgrade customer service numerous times now regarding not being able to add my debit card to XXXX pay. They have already replaced the debit card and issued it a new number after that didn't work I was also told incorrect information including XXXX pay is not available which is incorrect after escalating to a supervisor I was supposed to receive a call back and the problem was supposed to be corrected and it never was. I need to be able to use XXXX pay with my account and have been blown off now several times because I am unable to add it to XXXX pay I am getting an error saying it's an invalid card when it is not.
Product: Debt collection

I am very upset to find a collection item on my credit report for a debt I never owed ... 
My application for a credit card could not be approved due to a " derogatory public record or collection filed. '' Knowing I have always payed my bills on time, I immediately requested a copy of my credit report, and was shocked to see an item from " Rent Recover LLC '' collecting {$130.00} on behalf of " XXXX. '' It says collection as of XXXX 2015 to XXXX 2015. My husband and I moved out of XXXX back in summer 2014, amicably, with all rent paid and unit thoroughly cleaned. We never received any further communications from XXXX XXXX. Our new apartment complex has even told us that XXXX XXXX reports our account as paid in full. So why is " Rent Recover LLC '' reporting to the credit agencies, having never tried to collect from us, and for a company who never tried to/has no reason to collect from us?! 

How do we best proceed to get this off our credit reports? 

As XXXX working people with great income, {$130.00} would be no skin off our backs ( would have easily paid if we ever received a bill from/actually owed {$130.00} to XXXX XXXX! ) But with how the credit reporting works, we 're afraid that paying the {$130.00} to collections now, just because we happened to pull our credit report, will only 'validate ' this illegitimate 'delinquency ' and keep it on our credit report for years!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I opened a new checking account with Huntington Bank online. I was prompted with " how would you like to fund this account? '' and chose to transfer money from another savings account I hold at XXXX XXXX. On XX/XX/XXXX, the money was removed from my XXXX XXXX  account, but the money never arrived to the Huntington Bank account. I have spent the past two weeks trying to get an update/resolution from Huntington as they are holding the money in limbo due to an error/glitch on their end and I need this significant amount of money back. I have spent hours and hours on the phone and the service rep acknowledged they were having issues with transfer " at the end of 2020 '' but I still have not received a resolution/update on when I can expect my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and TransUnion have not responded to my attached dispute that was sent on XX/XX/2020. They were sent certified mail and I have not received any resolution to the erroneous accounts that are present. 

Certified mail slips evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is a record of them receiving the requests with no response since.
Product: Debt collection

The source of this debt is a visit to the XXXX hospital. My wife was XXXX of 5 months at the time. She XXXX. All the literature states that if that happens, one should get checked asap. 
Therefore we went to the closest XXXX. Our XXXX plan has a coverage for XXXX visits with {$100.00} copay. 
We were admitted through the XXXX and taken to XXXX ( XXXX XXXX XXXX ) on a wheelchair without asking anything. Her insurance information was taken when admitted. 4 months later the hospital sent us a letter saying they were experiencing lack of cooperation from the insurance company. 
The insurance company has gone as far as stating that the XXXX should have contacted them before sending us to XXXX XXXX XXXX. The hospital ( logically ) argues in a situation of XXXX where there is a XXXX there is no time to waste on bureaucracies. 
When we called the hospital about the debt, they said there was nowhere to specify that the XXXX XXXX XXXX treatment was provided through the emergency room on the system. However, they said the insurance company should know all XXXX XXXX XXXX interventions are emergencies, as they are never scheduled. 
The insurance on their end argue that if the invoice does not specify that it is an emergency room situation with its corresponding code, it is not covered as such. 
We 've discussed with the hospital and they said the system does n't have that code input - it is either XXXX & XXXX or emergency room, but it can not be emergency XXXX XXXX XXXX, and the best they can do is put it as a note in the invoice. 
We 've gone as far as coordinating several calls between XXXX payments department and the XXXX financial departments to clarify the situation, and have reached a stalemate. XXXX claims they can not pay without the XXXX code, and XXXX say they can not do it on the system. I even have recordings of these calls where hospital agents admit it 's not our fault but they can not do anything about it. 
I 'm afraid there is nothing more I can do, but it is not my responsibility to pay the bill for something that is clearly a systems issue between the insurance company and the XXXX.
Product: Credit reporting or other personal consumer reports

I have an account through XXXX XXXX, Acct # XXXX, as reported on XXXX. Please begin to report and add this credit card to my XXXX and Experian accounts as well. I have called several times to have this account ADDED to my credit report, with no success. 

Please update ad ADD THIS ACCOUNT TO MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Portfolio Recovery via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Portfolio Recovery has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : ( Insert all of the Accounts, inquiries and addresses disputed ) These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXXt Account # XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a preapproval and Capitol One Auto pulled my credit without my permission or signature. The date of this action was XX/XX/2021.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Notification of Identity Theft and Request for Assistance Dear Sir/Madam, I am writing to formally notify you that I, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX have been a victim of identity theft for the past XXXX years, from approximately XXXX to XXXX. During this time, unauthorized individuals have fraudulently opened accounts and conducted financial activities under my name without my consent. 

As a result, my credit report has been negatively impacted, and I am requesting your assistance in rectifying this situation. I am confident that the accounts in question were not initiated or authorized by me, and I am prepared to provide any necessary documentation to support my claim. 

I kindly request the following : 1. Investigate the fraudulent accounts and transactions on my credit report.

2. Ensure that all unauthorized accounts are removed and flagged as identity theft.

3. Assist in restoring my credit to reflect only legitimate financial activity. 

Please let me know if you require additional details or supporting documents to expedite this process. I appreciate your prompt attention to this matter and look forward to your guidance in resolving this issue. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX
Product: Debt collection

The office of credit management called me and asked me to verify my identity and i sent them a letter to cist and desist. Also I sent them a method of verification letter. I didn't get a response but I still receive phone calls.
Product: Debt collection

After examining my latest credit report, I found multiple unauthorized accounts that appear to be fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked these credit bureaus numerous times to removed fraudulent inquiries on my credit report and they will not help me. I have reported them all and the agencies will not properly removed them according to the FCRA GUIDELINES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These inquiries are not authorized and are not verified!! 

As well as the debt collection from XXXX XXXX ( XXXX ) in which I have documents from stating I am NOT responsible for!! I will attach documents!
Product: Debt collection

I am writing to formally dispute a fraudulent account that has been reported on my credit file. I was recently contacted by a collection company regarding an account that I did not open and have no knowledge of. I informed the company that the account was fraudulent and requested a copy of the original contract. 

Upon reviewing the documentation they provided, I noticed that the signature on the contract is not mine. Furthermore, no payments have ever been made on the account, which further supports my claim that I am not responsible for it. 

Despite notifying the company of the fraudulent nature of the account and requesting its removal from my credit report, the account has not been removed. Additionally, it is currently showing late payments, which is significantly damaging my credit and making it impossible for me to purchase a home for my family. 

I am requesting immediate removal of this fraudulent account and all related negative information from my credit report. Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ). I also request that a fraud alert be placed on my credit file to prevent further unauthorized activity. 

I am prepared to provide identification and any supporting documents as needed. Please promptly confirm receipt of this dispute and the steps being taken.
Product: Checking or savings account

On XX/XX/year>XXXX  Capital One failed to inform its customers that it had lost the ability to deposit paychecks and lost the ability for debit cards to be used for purchases. They have continued to fail to communicate or remedy the inability to access deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 called Equifax to release my security freeze. I had a security freeze due to the Equifax data breech on Equifax, XXXX   and XXXX. I needed to release the security freeze. XXXX, XXXX  released the security freeze with just my SS number and pin. When I called Equifax ( the ones that forced me into a security freeze ) they wanted my last mortgage company and payments ( haven't had a mortgage in 6 years I couldn't answer. So they asked me about credit cards, however, when I told them I couldn't hear them because of all the noise in the background ( sounded like a boiler outfit where everyone was yelling on a phone in the background ) I asked them to transfer me to a manager. They hung up! I think that the girl thought I was having a problem with her accent, but I just couldn't hear her over the noise. Anyway, my complaint is that they just figured they would hang up on me, now I have to call back and go over everything again. They were the ones that caused the problem, now they hang up on me!
Product: Debt collection

Some guy keep calling me threatening to sue me over a debt I don't know anything about. he called me cussing at me telling me to shut the XXXX up when I asked for his credentials.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I borrowed XXXX. The interest is sky high. I will have paid them XXXX at the end. I have borrowedfrom other companies and only paid back double or a lil more than double. Power Finance in Texas is charging me 4 times the amount I borrowed.
Product: Debt collection

XX/XX/2024 - Received Debt Collection Error From Credit Collection Service ( CCS ) XX/XX/2024 - Replied to debt letter citing a demand for evidence/documents showing this and to stop contacting me otherwise. Sent via XXXX XXXX XXXX- Reply was deliverd and signed for on XX/XX/2024 XX/XX/2024 - Received another demand for payment in the mail with no documents or evidence
Product: Checking or savings account

I went to Wells Fargo around XX/XX/XXXX  to make a deposit at your Wells Fargo branch on XXXX XXXX, in XXXX, Georgia. I put my card in the ATM machine and put in my pin... it then popped out and said Invalid Pin. I then hit cancel, took my card out and put my it back in again put my pin in again. As soon as I pressed deposit, the screen blinked and said OVERDRAFT. Then suddenly my card came out and it printed OVERDRAFT. The OVERDRAFT was XXXX. Account ended in XXXX I had in my account XXXX. A few moments later I called the Wells Fargo XXXX number and told them what happened. They stated they would look into what happened and issue me a new card ( they have done that ). On the next day, which was a Saturday, I went into the branch and told them the exact same thing. I also told them that they needed to check the ATM window outside where people withdraw their monies. The Customer Service Agent inside told me that they have nothing to do with the ATM machines outside because they were owned by another company. AND, I was also told that since I had already contact the XXXX number there was nothing else they could do. They printed me my Account History. 

The agent that took my information was quite " nasty '' to say the least, saying things like UMMM! Yea! As if she did not believe me. Why would I take my own money out and and an additional 100.00 when I have several other bank accounts. Later, I was sent a letter telling me the matter was closed and Wells Fargo doesn't owe me any monie

s. I
called Wells Fargo AGAIN and told them the same thing that I had told the other agent earlier. She took down more information, however, I have not heard from them in almost two weeks.

On another occasion the same thing happened, and they texted me about it, but minutes later the money was put back into my account. However, I was not at the bank this time. They just TEXTED my phone number. 

Wells Fargo has been on the news several times in the past few months with happenings such as this. 

They have turned me down twice and want ME TO PAY them an EXTRA {$100.00} and they would waive the overdraft fees of {$35.00} as a courtesy to me. REALLY!! 

I can send you the emails that they have sent me if you would like me to
Product: Vehicle loan or lease

I am writting formally complaining about the denial of my credit information submitted Santander consumer XX/XX/year> I believe this denial violates my rights as a consumer under equal credit opportunity Act ( ECOA ) and potentially falls under unfair and Deceptive Acts or practices ( UDAP ) Laws