23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX student loans listed on my Transunion from XXXX XXXXXXXX XXXX that should have been updated based on my entry and completion of the student loan fresh start program. These student loan accounts have not been updated to reflect that these loans are currently out of default. The payment history for these loans is also incorrect. In addition, XXXXXXXX  XXXX XXXX is no longer operational as a student loan servicer. I tried to reach them directly, but the phone number XXXX is defunct. My compliant is that Transunion could not have conducted an investigation with an organization that is no longer functioning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2021 my credit scre dropped over 34 points from transunion and XXXX. A couple weeks earlier it had dropped 10 points. All for no reason. I believe your problem is with the algorithms programmed in your system. These algorithms only account for half of the calculation. They show how much credit you have used in a month but fail to show that I have XXXX  out the balance when the statements are due. As of today my credit card balances are all XXXX.
Product: Credit reporting or other personal consumer reports

I have received an ongoing credit report that suggests that I may owe LVNV FUNDING LLC. However, there is no evidence to support this claim. Therefore, I demanded that they dismiss all claims and remove any harmful information about me and I also informed all 3 credit bureaus to remove any harmful information from my credit report. It is essential that any currently mentioned items are backed up with verified factual proof of their truth, accuracy, correctness, completeness, timeliness, ownership, and compliance with reporting standards. I also requested that LVNV FUNDING LLC, XXXX, XXXX and XXXX provide proof of their legal authority to conduct business with me. They do not have the right to neglect their obligations while threatening my financial and creditworthiness. I demanded that if they are unwilling or unable to comply with my requests within 20 days of receiving the complaint, ( XX/XX/2023 ) they immediately stop any derogatory or harmful actions against me, including reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. I informed them any attempts to harm me, no matter how small, will be considered harassment or extortion, which is a criminal offense in my state ( CT ). Such actions will lead me to take appropriate measures. Therefore, I urged them to rectify this deceitful manipulation by removing the delinquent items from my credit profile history.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Who

m It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$500.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiate
d on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.
Product: Checking or savings account

Over the course of my account when I first opened it back in XXXX, ive had numerous overdraft fees and charges that I shouldve never received. Ive also had issues most recently in XX/XX/XXXX I disputed some charges on my card for products that I purchase and never received eight separate charges for XXXX, and they disputed the wrong charges and because of it cause my accounts with them to be delinquent and charged off to collection agencies and ever since then now my credit score has been impacted in a negative way and they still have not done anything to fix it and make it right
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Experian, XXXX and XXXX has violated my rights when it comes a public that is on my credit report Bankruptcy. I looked at my Experian XXXX and XXXX credit report on XX/XX/XXXXXXXX  and noticed some things are incomplete and not accurate. There was letter of verification requests to all credit bureaus certified, documents along with a proven delete report from XXXX XXXX for their file in XXXX and the most recent one in XXXX along with drivers license social security SSN proof of residence, proof of certified receipts, statement letter of my legal name change to XXXX XXXX is pending and an actual proof letter of request to bankruptcy court and the response from bankruptcy court. The only response Ive received in return was nothing stall letters from all credit bureaus. All the credit bureaus are doing copy any paste off each others information without any research which is illegal, falsifying information, plagiarism and can lead to major lawsuits. My question is where did they get their information from if XXXX XXXX found the mistake deleted and the letter from the courts states that they don't give out that kind of information And according to the fair credit reporting act Whenever a reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

Recently I applied for a new loan and found that XXXXXXXX XXXX had reported two late payments over past 24 months. One during transfer from XXXXXXXX XXXX to XXXX XXXX. The second after requesting a modification to ease financial issues due to long covid. The second was made to defer two payments across the 12 months after the two month deferment. However after twXXXX months of forms back and forth XXXX XXXX sent a loan modification increasing my rate from 2 3/4 % to 7 % with an additional XXXX balloon payment. I rejected and restarted payments and was making up payments during thier data breach. Though I try to keep XXXX XXXX upto date so how they reported late payment for XXXXXXXX XXXX. Also should be noted for no reason the increased my payment after deferment request by over {$400.00} per month. After discovering late payment on credit report due to new loan application I requested XXXX XXXX take action to correct, as of today after more than 30 days XXXX XXXX still has it in research while my new loan is holding for an answer.
Product: Debt collection

Hello my name is XXXX XXXX and my identity was stolen when my purse got taken from me with all my information in it. There was a specific incident on XX/XX/2022 where someone used my information against my will to open an account with XXXX XXXX XXXX name that I wasnt aware of. Along with that i looked into my account more and found other incidents that occurred that I wasnt aware from my identity being stolen. i need this deleted off my account immediately. Please let me know what I can do to speed up the process. Thank you for your time.
Product: Credit card or prepaid card

USAA has not issued the refund that was given to them by XXXX XXXX XXXX. The card is closed. I was told it would be sent to me via check. Then I was told it would be sent to XXXX. None of these things have happened. See below for XXXXXXXX XXXX  response regarding the refund status. 


I have reviewed reservation # XXXX and can confirm that the deposit of {$500.00} was returned to the original form of payment, card ending # XXXX, on XX/XX/2022. 

We encourage you to reach out to your financial institution if you have not yet received these funds as they have not been returned to XXXX XXXX XXXX at this time. 

I hope this information has been helpful. If you require further assistance with any other inquiries, please feel free to contact us. 

Have a Wonderful Day. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

USSA/BMA, I UNDERSTAND YOUR RESPONSE LOOK BELOW.. 

We are responding to the concerns about the USAA Federal Savings Bank ( FSB ) you outlined in your correspondence to the Consumer Financial Protection Bureau regarding your consumer loan. Records confirm you established a USAA FSB consumer loan account on XX/XX/XXXX, in the amount of {$70000.00} for a XXXX XXXX XXXX. The signed and executed Note, Disclosure, and Security Agreement ( NSDA ) disclosed a repayment period of 72 months, with fixed payments of {$1500.00}, due on the XXXX of each month, beginning on XX/XX/XXXX. There are no prepayment penalties, and the NDSA states, Consumer Loan Not for Open-End Credit at the bottom of each page. By signing the loan agreement, you agreed to the terms and conditions contained within the NDSA, including repayment within the stated and agreed upon terms. Our Bank Member Advocacy ( BMA ) staff contacted you by phone to share the aforementioned information ; however, you declined to discuss this matter and the call disconnected. BMA confirmed the consumer loan was established and handled within established policies and procedures and the terms and conditions of the NSDA. USAA FSB respects your right to obtain legal counsel and will update your profile upon notification of legal representation from an attorney. USAA FSB will continue to handle your loan in accordance with the agreed upon terms, including exercising our right to initiate collections, repossession, and adverse credit bureau reporting. While we trust this information clarifies this matter and our position, BMA remains available to assist you should you have any additional questions related to this matter. Bank Products offered by USAA Federal Savings Bank USAA/BMA will you please answer my question. My promissory note is titled " this is consumer credit transaction '' is it located directly above the finance charge, interest rate and The Truth In Lending Disclosure acknowledgment... 

1. What is a " consumer credit transaction ''? 
2. I am due a 1099 for charge off status, income is not to be report on a consumer report. 
3. Would you be kind and send me a copy of the " repossession paperwork ''. USAA IS obligated to give me such paperwork, please do so. 

PLEASE STOP BEING MEAN AND DISMISSIVE OF CONSUMER LAW. BEING DEFLECTIVE AND PERSISTENT IN AVOIDING THE QUESTION SHOWS GUILT. I have asked USSA on 8 different occasions to define " consumer credit transaction '' And you haven't answer not once, but threaten me with repossession. That not right! Its show how mean and arrogant all parties involved are. Now repossession is the ultimate get back.
Product: Checking or savings account

On XX/XX/2023, I paid {$200.00} to someone from XXXX XXXX XXXX for a yorkie puppy thru Paypal, and I never recieved the puppy. I found out by researching on facebook that the person XXXX XXXX who I paid the {$200.00} to thru paypal was a scam fraud. I have messaged Paypal about the fraud, and the customer service rep said on XX/XX/2023 that paypal could help me get my money back, but that was the last I heard from PayPal, and the message was closed by them so i was not able to open the message back after that. I reported the fraudulent activity to XXXX as well. I have every conversation text downloaded on my phone with this person about me paying for the dog and never receiving the dog. I also found 3 other different groups that this same person who scammed me was scamming others as well. I reported all the groups to XXXX, and I have not heard back from anyone. The info that the scammer give me is XXXX XXXX and email address is XXXX The transaction number for the {$200.00} is XXXX and the Case Id number from the Paypal customer rep is XXXX XXXX I want my {$200.00} back please. Paypal should do a better job in not allowing people to get accounts without proper identification. Paypal should also respond to such request when fraud is reported in a more timely manner rather than 9 days after its been reported. To say that is ridiculous would be an understatement. I like banking with Paypal and have for a couple of years now, but I need for them to refund my money in full. Thank you for your time, and I hope you have a great rest of the week. XXXX XXXX
Product: Debt collection

I send Aargon a letter asking them to validate some debts that are on my credit from them the end of XX/XX/XXXX I never rd recieved validation and they deleted these debts but added them back in XX/XX/XXXX without 5 days notification of reinstatement. Some debts came back on certain credit reports. The dates that were reporting on are now XX/XX/XXXX.
Product: Debt collection

On XX/XX/2020 I sent certified mail correspondence to the company requesting validation and proof of contract to substantiate their claim. They have not responded to my request. The company also never contacted me prior to furnishing information on my credit report.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax and XXXX should not be reporting a collection/chargeoff in the amount of {$8500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) I have attached proof of payment on this account. The lates that are reporting are also incorrect. This account needs to report a {$0.00} balance and no lates. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff with lates is seriously harming my credit score and this line item needs to updated and/or removed. I have contacted the bureaus to fix this however, I have not been successful.
Product: Consumer Loan

We put a few notes to the back and they did n't tell us they were accruing interest, so when the time came that all our notes due were paid. We still owed XXXX dollars from interest on those payments. Even though we were paying all future notes on time for a period of about XXXX years. They kept reporting we were late paying and still had an outstanding balance. This interest that was gained on the post dated notes were going to cost us the XXXX plus interest while paying on that. We tried to get it straightened out but to no avail.
Product: Checking or savings account

I opened an account with TCF bank, I enrolled with 2 deposits. The only correspondence I received from them was an email stating my new debit card was on the way.

Today I went in to make another deposit, and they told me my account was frozen. Apparently I need an in-state ID to open an account, something I wasn't told when I initially opened my account and they took my deposits and information.

Because I'm visiting family, I don't have utility bills in my name, even though the check I wanted to deposit ( and the check I deposited earlier ) have my EXACT name and address. I guess that doesn't count.

I was treated extremely rudely by the teller at this bank, and also told I won't be able to withdraw my funds for almost 2 weeks, even though the bank decided to close my account!

There are no other flags with my name, or previous fraud or problems that would account for this behavior.

This has been a complete waste of my time and it seems unethical and illegal to keep my funds when TCF made the decision to close my account. Why was I allowed to open an account when these are your practices and you didn't disclose them from the beginning?
Product: Debt collection

I received an alert from XXXX that a collection was added to my credit report through nelson cruz and associates with original creditor XXXX XXXX XXXX on XX/XX/XXXX. Collection stated that the loan was taking on XXXX. Prior to the alert from XXXX, i had no knowledge of XXXX XXXX XXXX. I have never taking out any loan through XXXX XXXX XXXX. I have no knowledge of this account. Prior to contacting XXXX about this collection. I tried calling the number 10 times with no result. Only to have it go to voicemail
Product: Debt collection

I received a voicemail the week of XX/XX/XXXX and a letter on XX/XX/2021 from the Collection Bureau of the Hudson Valley attempting to collect debt from XXXX  for a service balance of {$260.00}. 

I have never had a XXXX account. I reviewed my records and my credit reports to verify ( I am a victim of identity theft and have a credit reporting and monitoring service ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to handle this with Experian on numerous occasions. Experian has done nothing but stall. My identification has been provided to Experian multiple times. 

Please be advised that this is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further action. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this debt is not valid. 
Please verify, validate and document that I am LEGALLY obligated to pay this alleged debt. 

A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This loan was charged off and settled in XXXX of 2016. I requested that all information about this loan be removed as a condition of the settlement however it still appears. This loan company makes predatory loans on small/disadvantaged businesses with onerous terms and high interest. This loan was one of the factors that led to the failure of the associated business.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX XXXX, TX XXXX ] Subject : Dispute of Inaccurate Information on Credit Report 15 U.S.C. 1681o Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found the following inaccuracies, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, relating to civil liability for violations. 

Item to be Disputed : [ XXXX XXXX XXXX Account Number : XXXX Nature of the Dispute : I believe the information is inaccurate, including details like incorrect account balances, dates, or the presence of accounts that do not belong to me. ] Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and correct any errors. The information in question does not accurately reflect my financial history, and I am requesting the removal or correction of the disputed information.

Additionally, I would like to remind you that under 15 U.S.C. 1681o, I am entitled to civil liability for any damages caused by the inclusion of inaccurate or unverified information on my credit report. If the dispute is not resolved in accordance with the FCRA, I will consider all available options for seeking redress, including legal action. 

Please conduct a full investigation and provide me with written confirmation of the resolution, including a copy of the updated credit report once the dispute is resolved. 

Enclosed are copies of the relevant documents supporting my dispute, including [ any documentation you are submitting such as billing statements, letters, or court documents ]. 

Thank you for your prompt attention to this matter. Please provide me with the results of your investigation within 30 days, as required by law. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting

On XXXX/XXXX/16 there was a hard inquiry done on my credit report from XXXX. I called Equifax for help with this and the person told me that I would have to call XXXX she told me it was XXXX XXXX North Dakota and that they were the only one that could remove it. She also told me that because I do n't have some sort of protection on my credit report that anyone could run a hard inquiry anytime, but I could pay {$16.00} a month and that would not happen.I called XXXX XXXX North Dakota and they way it is n't them. I have not pulled my other reports yet from XXXX and XXXX. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was so stress since Ive sent disputes last XXXX.2020 regarding to those inaccurate and unknown account that I found on my credit report but its almost 90 days today but I haven't received any response. I demand to Remove it ASAP or I will file a litigation.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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