23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX there was a transaction for XXXX and XXXX then on the XXXX XXXX and XXXX totalling XXXX dollars I'm missing that never got put back on
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report and XXXX and XXXX is reporting student loan with Nelnet in the amount of {$38000.00} on my report as being past due on XXXX in XXXX as 120 days late. On my XXXX report it states in that same time frame in XXXX I am 90 days late, This is incorrect. 

In accordance with the 15 U.S. Code 1679c this agency is reporting incorrect information to the credit agencies which in turn is dropping my credit score. Please remove this incorrect information off my credit report.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX  Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
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 and 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 ).

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against Transworld Systems Inc for Violations of consumer rights Dear CFPB, I am writing to file a formal complaint against Transworld Systems Inc for multiple violations of my consumer rights as prescribed under federal law. I am revoking all rights of them communicating with me through email/text/calls. I am also requesting the purchase agreement between them and the original creditor. The collection agency has engaged in the following unlawful practices : Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( XXXX ), the collection agency is required to provide specific validation information regarding the debt. Despite my request, they have failed to furnish this information but have still placed a collection on my consumer report. 

XXXX. Denial of Dispute Opportunity : As outlined in 12 CFR 1006.3 ( c ) ( 4 ) ( i ), I am entitled to an opportunity to dispute the debt before it is reported. The collection agency did not give me a chance to dispute the account prior to placing it on my consumer report. 

XXXX. Use of False and Misleading Practices : The collection agency has used false, misleading, and deceptive means to collect the alleged debt, which is clear violation of my consumer rights. 

XXXX. Unauthorized Reporting to Consumer Reporting Agencies : Under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( XXXX ) ( A ), the collection agency has no authority to furnish any account information to consumer reporting agencies without providing all necessary disclosures required by law. They have failed to do so, thereby violating these regulations. 

Theses actions by Transworld Systems Inc have caused significant distress and potential damage to my credit report and financial standing. I request the CFPB to investigate this matter thoroughly and take appropriate action against the collection agency for these violations. 

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

Im sending this complaint on behalf of myself and not a third part as you have suggested from the past. I'm a victim of identity theft and this has been going on way too long I'm tired of these reporting agencies playing games.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I ask that the items be deleted to correct my report. Please delete these items as soon as possible so that I am able to proceed with my life. Consumer Law Under 604 & 605B ( 15 USC 1681b ) Permissible Purpose of consumer reports states that the furnishers must have my written consent to furnish my information. If the furnisher can not show proof of consent which they did not, the item must be removed from my credit file.

Recommended Dispute Reason : Under 15 USC 1681b Permissible Purpose of Consumer Reports.

Recommended Dispute Instruction : Please Delete Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX of this year, I contacted Transunion to update my credit report to include my student loan with XXXX. The account is listed on my XXXX report. Transunion said the company was not reporting to them, but that was not true and I confirmed that with the loan holder. Transunion consistently reports my information late and will not make updates, especially on my revolving credit accounts. I am purchasing a home right now and their lack of accuracy in reporting is affecting my credit at a very impactful time. Please assist me with getting this information accurately updated with Transunion.
Product: Debt collection

Second Round Limited Partnership and XXXX XXXX XXXX XXXX tried to collect a debt from me that I didn't owe. I sent over the creditors validation letter neither one of them Validated the debt in order to prove they were capable of collecting the debt in the 45 day allotted time given by the ( FDCPA ) Fair Debt Collection Practice Act. In fact, Second Round Limited Partnership didn't answer back to my letter I sent them. Accordingly, to the Law when a collection company doesn't answer back with in 45 days they most stop all collection efforts and removed themselves from my credit report from all three credit bureaus.
Product: Debt collection

I am a victim of identity fraud since 2011. 
XXXX XXXX XXXX XXXX XXXX is representing XXXX XXXX XXXX XXXX & XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft. All s being investigated by the FTC. According to FCRA 605B, This information must be blocked immediately until the investigation over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file. 

XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

There was an Equifax Data Breach on XX/XX/year>. Based on there data breach tool, I was found to be one of the accounts effected by the breach and there is illegal info on my credit report. Wrong account info wrong personal info, accounts that don't belong to me etc. I asked Equifax to just clean up my personal information so that I only had one name, my current address, phone number etc on my report and there has been no change. When I spoke to a wo, an on the phone to let her know my fear of identity theft because of the extra personal info on my report she told me she could not delete anything. I have added a letter to the CFPB as an attachment about the accounts that should not be on my report and the only personal information that should be on my report.
Product: Student loan

I have contacted Key Bank several times about the status of my credit report. I defaulted on my private student loans due to divorce and financial struggles. My loans were sent to collections to XXXX XXXX and I have been paying faithfully for a little over a year. I contacted Key Bank several times asking if my loan status on my credit report could be changed from past due to current since I have been making payments. Each person I spoke to send me to another department and when I finally spoke to the 6th person I was told the status of my loan could not be changed to current unless I paid the balance off in full. I am a single mom I do not have that type of money to pay balance in full. Since they wo n't change my credit report I can not get a home loan. I am spent do n't know what else to do.
Product: Checking or savings account

Robinhood was made aware of several problems in a previous complaint made to the CFPB which they did not address. In their previous answer, they post the blame primarily on me that it was my fault that I got angry and that they're not in any way at fault for lying to me or closing out my positions and turning the unrealized losses into realized ones. There have been serious misappropriations with my money as a client with Robinhood and their defiance to tell the truth about what happened and put the blame on me because I lost my temper when they decided they were going to kick me off their platform after leading me to believe everything was okay is unacceptable. 

Then they also have the nerve to say that after losing me a ton of money in realized losses that they initiated that eventually I was able to liquidate my cryptocurrencies.
Product: Checking or savings account

Navy Federal Credit Union closed both my checking and savings accounts following a XXXX payment that was later disputed by the sender. This payment was reversed without prior notification or explanation. Following this, Navy Federal closed my accounts and imposed additional charges on my savings account. Despite my attempts to seek clarification, Navy Federal has not provided a clear reason for these actions or for the fees incurred. I am seeking assistance to resolve this matter and request a review of the account closures and the associated charges.
Product: Debt collection

I am writing to express my extreme frustration and disappointment with the way XXXX has handled a billing issue, resulting in wrongful charges and a significant negative impact on my credit report. I have been a loyal XXXX customer for several years, and it is disheartening to find myself in this predicament. 

Approximately four years ago, I returned two hotspot devices to XXXX upon terminating my service. At that time, I had contacted your customer service, and after an initial charge for the devices, the charges were removed. Unfortunately, it has come to my attention that three years later, after I had already terminated my service, XXXX claimed that I still owe for one of the devices. 

Despite repeated requests and my persistence in informing XXXX that I had indeed turned in both devices, your company proceeded with a cursory search and claimed to have found only one of the devices. This is in stark contrast to the thorough search conducted when XXXX initially claimed that I had not turned in any devices. It is evident that there has been a significant oversight or mistake on your part, which has now escalated to the point of selling the alleged debt to a debt collector. 

The repercussions of this erroneous charge and subsequent impact on my credit report can not be understated. As an XXXX XXXX XXXX XXXX in XXXX XXXX, maintaining a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The sudden and dramatic decline in my creditworthiness due to XXXX 's error now threatens my ability to retain this clearance, thus jeopardizing my career. Moreover, the adverse effect on my credit has forced me to acquire new accounts with high-interest rates, causing financial strain and unnecessary expenses. 

I demand an immediate and thorough investigation into this matter. It is imperative that XXXX rectifies this situation promptly by removing the incorrect debt from my credit report and taking appropriate steps to compensate for the damages caused. I expect clear communication regarding the progress and resolution of this issue. 

I would appreciate a written response within 30 days of receiving this letter, outlining the steps taken to address and rectify this matter. Should this issue remain unresolved, I will have no choice but to escalate my complaint to relevant regulatory bodies and pursue legal action to protect my rights and rectify the damages caused. 

I trust that XXXX values its customers and strives to uphold its reputation for excellent service. I hope this incident can be resolved swiftly and fairly, allowing me to continue my professional obligations without unnecessary obstacles. I look forward to your prompt attention to this matter and a satisfactory resolution.
Product: Credit reporting

I have a Public Record listed on my credit report that is inaccurate and incomplete such as a Bankruptcy that Experian is reporting. The Federal law requires that the credit reporting agencies provide mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Experian numerous times for VALIDATION that is competent evidence bearing my signature, name, address and telephone number of each person they have contacted to VALIDATE this bankruptcy and they have failed me only to return stating that it has been verified with no substantiation whatsoever. I have received a letter from Federal Bankruptcy Courts stating that they DO NOT report information to the credit reporting agencies, but yet Experian is saying they have verified it with Federal Bankruptcy Courts, and I know they do n't because the information they are reporting is inaccurate and incomplete.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to protect my credit profile from inaccuracies, and reoccurrences, and efforts to provide screenings, and investigation. My credit report has a freeze as a result. Theres been names, addresses, collection agencies that Im not associated with that I had removed, is reporting the same fraudulent statements.
Product: Debt collection

I received a letter in regards to debt I do n't owe and was already sold to another collection agency that was already removed from my credit. And this company does n't even have my name spelled correctly.
Product: Mortgage

The mortgage company name is Specialized Loan Servicing. 

I have been making payments on their website and I have not been credited the full amount that has been paid to SLS. 

What I have paid to date : A credit from XXXX  XXXX XXXX when they sold the loan to SLS : {$640.00} Payments from me ( these payment dates are from my bank statement, SLS 's dates may vary by a day or two ) : XX/XX/2020 : {$53.00} XX/XX/2020 : {$200.00} XX/XX/2020 : {$170.00} XX/XX/2020 : {$54.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$54.00} XX/XX/2020 : {$110.00} Total paid to date to SLS : {$1400.00} The amount owed to date : A fee transferred from XXXX XXXX XXXX : {$53.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} The total amount that should have been paid to date : {$770.00} Their website shows my next payment is due on XX/XX/2020 and the amount is {$110.00}. They applied some of the money to the principal balance on the loan in the amount of {$150.00}. I am not being credited for {$500.00} that has already been paid to them. I have spoken with 5 people including 1 supervisor all of which have promised to call me back and they never do. The issue has been open for more than a week and the supervisor told me he would call me back last week and he never did.
Product: Payday loan, title loan, or personal loan

Besides the annual interest rate being outrageous at 460 % on {$500.00} and requiring nearly {$2000.00} paid back, there was additional nearly {$300.00} added on in interest for a deferred payment. 

When request made to get payment schedule the email indicated that the loan payments were up to XX/XX/XXXX ; however told otherwise when questioned about the payment taken today. 

I don't feel that this loan was fair from the beginning now that I know that payday loans are not " legal '' in the State of Maryland and that the interest rate is not suppose to be more than 33 % annually on a loan less than {$2000.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!
Product: Debt collection

I am requesting Resurgent Cap Srvs Lp to be removed from all 3 credit bureaus this is not my debt of XXXX and I will pay for a debt that does not belong to me. I am requesting copy of contract that has my name on it .This is fraudulent to attach it to my credit report and try and collect a debt that does not belong to me.
Product: Credit card or prepaid card

I filed a fraud dispute on my New Mexico unemployment epic card and conduent wrongly frozen my account refusing to release my account and give me access to my funds
Product: Student loan

Hello! My loans have been on and off forbearance due to the problems with the SAVE plan. There have been 3 instances where it shows I have an over due balance despite being in forbearance. The first time I paid the balance. The second time I called them and they were supposed to remove the over due charge. After waiting on hold for 5 hours they did. I looked again and I have another over due charge Mohela is my servicer.