23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received letter from GC services stating alleged debt. I had until XXXX to respond to letter. I responded XXXX, it was received and uploaded in my chart XXXX. Called days after to confirm receipt. Spoke with a young lady who stated that the dispute was open and the collection activity would be put in a hold status until client gets back to them. XX/XX/22, the collection posted to all 3 credit bureaus. Called XXXX, spoke with a young man who stated that it was the companys fault and it should be fixed shortly. Waited a couple days and called back. I was told that although i disputed debt, it would still post to my credit report and keep posting until noted otherwise. Spoke with XXXX XXXX, a supervisor, who stated that they were holding up their end of the bargain. He stated that although I responded in time, it was normal business practice to report to credit bureaus. I asked how long will this take. As long as it takes XXXX to send proof. Horrible company!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma promised free credit score. But apparently, they have been giving me totally off score and rather focus more on selling me new credit cards and services I don't need. 

Only until recently when I need to apply for a mortgage that I figure out my score has been and always been 90 points higher than what they report. 
And this is not a timing issue since they have been showing me at 620-630 for 4+ months. The actual score I got from the credit report pulled by mortgage lender is XXXX. 

I want to report this claimed to be a free service and rather a marketing company trying to make money off avg. customers like me.
Product: Credit card or prepaid card

Hello. I recently tried to use a {$100.00} visa gift card issued by U.S. Bank National Association. The card was declined so I checked the website on the back of the card and saw that there was a {$100.00} transaction with XXXX on XX/XX/XXXX. This did not make sense to me because I had never used the card. I double checked my XXXX account and confirmed that there were no transactions using the gift card on my XXXX account. 

I then called the gift card customer service number on the back of the card. They asked for proof of receipt for the card in order to help me. I explained that I got the card as a gift and did not have the receipt. I also explained that I got quite a few gift cards for my baby shower and did not know who gave the gift card to me. They then said the card was registered in someone elses name and continued to say they could not help me unless I had a receipt. There request and refusal to help didnt make sense to me. 

I then called XXXX customer service to see if they could help me. I provided them the gift card number but they were not able to look up the purchase that way. The XXXX representative asked me for the transaction number so I went back into the gift card website to retrieve the information but I was now no longer able to access the gift card website that I had access to just a few minutes earlier. 

So I then called the gift card customer service number back and explained the discussion I had with XXXX and that I no longer had access to the website with the transaction information. They then explained that I could no longer have access to the transaction information unless I provided proof of receipt. This led to a repeat of the previous conversation and them not helping me. 

I am now suspicious that they are scamming me. Not only did they not help but they then took away information ( XXXX transaction number ) that may have allowed me to get it resolved through XXXX. I now have no options. 

Can you please help me get a new {$100.00} gift card. Thank you.
Product: Credit card

I have been the victim of identity fraud with my SSN. I called to inform US Bank on XX/XX/year> that someone illegally attempted to open a US Bank credit card online without my consent. 

I received a second letter XX/XX/year> that someone illegally tried opening another US Bank credit card without my consent. I contacted the fraud department, and they took down all my information. 

US Bank confirmed the next time someone tried to open any additional card cards in my name that they would call confirm, and verify with me first before processing another credit line application. The second credit card was opened once again without my consent. I never received a phone call. 

The credit cards are being denied ( thanks to XXXX ), however my line of credit for myself is getting affected every time they apply illegally. 

In the future I would like US Bank to please call and confirm with me before processing any applications in my name. ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I previously requested that the disputed account ( s ) be marked as 'Account Disputed ' in my consumer files, as mandated by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ]. However, the purported consumer credit reporting agency has failed to conduct a proper investigation into the ongoing and persistent issues. I was not notified of the investigation status or results, and the agencys failure to address the core nature of my complaint remains unresolved. Additionally, the reported information contains nonexistent and bogus entities that do not reflect a valid legal entity as recognized under applicable laws governing articles of incorporation, certificates of formation, or charters. I demand the immediate expungement of these illegitimate entities and a correction of my consumer file to ensure compliance with federal regulations. Supporting documents outlining these unlawful billing, credit reporting, and debt collection practices, which have persisted since XX/XX/XXXX, are attached. 

See my attached Memorandum for the Record ( CONSENT TO DISCLOSURE ), Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX and Accounting Service Regarding Improper Debt Collection, Billing Discrepancies, XXXX XXXX XXXX, and Unauthorized Pay Deductions Related to Alleged Credit Card Receivables ( Account No. XXXX ), dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

None of those numbers on my credit report are mine, and never were my numbers. My number is XXXX
Product: Debt collection

ABSOLUTE RESOLUTIONS INVESTMENTS , LLC ] XXXX XXXX, 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  ] involved parties that violated my consumer rights. please see attachment
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX, Tx, XXXX ] [ XXXX ] Subject : Credit Report Dispute Request To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable items on my credit report pursuant to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ). As a consumer, I have the right to ensure that all information reported about me is 100 % accurate, verifiable, and timely. 

Below is a list of accounts that I am disputing. I request that each of these items be verified for accuracy and compliance with federal law or removed from my report immediately if they can not be properly verified. 

Disputed Accounts : XXXX XXXX XXXX  - Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Unauthorized/Unverified Requested Action : Deletion XXXX XXXX XXXX XXXX XXXX XXXX ) - Account Number : XXXX XXXX Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Charge-off, Unauthorized/Unverified Requested Action : Deletion XXXX XXXX XXXX XXXX ( CLOSED XXXX XXXX Account XXXX : XXXX XXXX Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Charge-off, Unauthorized/Unverified Requested Action : Deletion XXXX XXXX XXXX Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Collection, Unauthorized/Unverified Requested Action : Deletion XXXX XXXX XXXX - Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Collection, Unauthorized/Unverified Requested Action : Deletion XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Past due balance, Unauthorized/Unverified Requested Action : Deletion XXXX XXXX  Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Unauthorized/Unverified Requested Action : Deletion XXXX XXXX  Account Number : [ XXXX ] Reported Date : [ XX/XX/XXXX ] Reason for Dispute : Unauthorized/Unverified Requested Action : Deletion According to 15 U.S.C. 1681i ( a ), the credit bureau must conduct a reasonable investigation within 30 days and provide me with the results. If the information can not be verified, it must be removed from my credit file immediately. 

I have attached a copy of my credit report with the disputed items highlighted, as well as a copy of my identification for verification purposes. 

Please send a written response confirming the results of your investigation. If the disputed items are not removed or corrected, please provide me with the method of verification used to validate their accuracy. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days. 

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

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer 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. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Unverified account However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any in formation 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: Debt collection

I didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in the State of New York applied for a credit account through Synchrony Financial. I have contacted Synchrony on XXXX different occasions and verified this was fraudulent activity. Each time I was told it would be handled and the hard inquiry on my credit report would be removed. 

I live Arizona, and it was clear to see the name and address used to open the account was not me. They have still not removed the inquiry and I have never received any follow up correspondence, even though they said I would receive a letter. They didnt even have a record of the first time I called and made the dispute with them when I called the second time. They are not interested in protecting consumers from fraud it would seem.
Product: Debt collection

I have no knowledge of this creditor also... 
In accordance with the Fair Credit Reporting act Spring Oaks Capital LLC 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 or other personal consumer reports

As XX/XX/24 I noticed that Experian has allowed false information on my credit file, violating FTC Section 807, associated with a closed XXXX XXXX Account ending in XXXX for {$13.00} & or {$13.00}.
Product: Debt collection

I was served with a Summons in Civil court by Gurstel Chargo P.A XXXX AZ in regards to a debt with XXXX. While I did have a credit card with them, it was paid on time each month & then paid off. I have not received a bill or phone call regarding any remaining debt in over a year. The first notification was this Summons. It threatens to garnish wages or seize property if not responded to.
Product: Credit reporting or other personal consumer reports

This Person ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by XXXX XXXX that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, 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, Experian '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 administration 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. These are the accounts I have disputed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being XXXX XXXX accurate under 15 US Code 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this company over {$870.00} so how can it say it wrote off the money if I paid them this and everyone of these reporting Agencies dont properly investigate all they wan na do is try to get more money from you and never correct any of the problems
Product: Debt collection

If you have a good reason to believe I am responsible for this debt, mail me the documents that make you believe that. Stop all communication with me at this address, and record that I dispute having any obligation for this debt or forward or return it to another company, please indicate to them that this has been disputed. If you report it to a bureau ( or have ) already done so, also report that the debt is disputed I am writing to formally dispute an unauthorized hard inquiry on my credit report. I reviewed my credit report and noticed a hard inquiry that I did not authorize. Below are the details of the inquiry I am disputing : I believe this inquiry was made in error, and I did not give permission for this company to pull my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or unauthorized information on my credit report, and I request that you investigate this matter. 

I kindly ask that you remove this inquiry from my credit report as soon as possible. Please notify me of the outcome of your investigation.
Product: Credit reporting or other personal consumer reports

RE : Collections/Chargeoffs Please be advised that as of XX/XX/year> as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXXXXXX XXXX XXXXXXXX {$4700.00} I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting XXXX days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of XXXX  days, by federal law you are required to remove the accounts from my consumer report without prejudice. Also, according to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation. 

Warm Regards, XXXX, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I was scammed out of {$200.00} on Cash App while trying to buy a sweet puppy. On XX/XX/20 I emailed CashApp about the scam and sent picture evidence and I told my bank about it for a chargeback on the fraud ( on XX/XX/20 and they did nothing about it and did not approve my chargeback refund from my bank. I do not understand how Cash App/ Square ( parent company ) is still in business if they have proof of a scam and still won't return peoples money when they request it via a bank, I do not feel protected as a consumer right now. 

They basically said, oh well we can't help you and they did not refund my money when I requested a chargeback from my bank.
Product: Student loan

1. I have received bad data regarding my private student loan. I tried to process a request for automatic debit from my checking account. I thought it was processing but I was still receiving calls and was told I needed to pay a payment in order to process my automatic debit. I paid a payment and fond out my loan request has still not been processed. 

2. I have been receiving phone call past normal hours of collection per Missouri state law. I have rerecorded all call and will be submitting another complaint with phone recorded and a letter from my lawyer. 

3. Due to the switch from XXXX the Navinent and the change in payer accounts this has cause my private loan payment to delay. I have tried to resole this through the customer line but was told nothing they can do. I do n't feel proper notice or time was given for people to switch over bank account info and online payment methods. 

4. The current int rates for my private loans is way above the national average and the rates my other private loans are. I have tried to resolve this with navinet but have been unable to resolve this. I 'm working with class action with a number of account holders on this very topic so I expect not to be over charged or charged more than someone else for Private student loan int.
Product: Credit card or prepaid card

Ive contacted Sun Trust serveral times and just get the run around. I recently sent them a copy of my Identity Theft Report from the Federal Trade Commission along with my driver lisence and social security number. I got a letter back from Sun Trust saying they need account number and specific information being disputed. They have all the information from me. I cant help they let someone open up a account in my name without getting ahold of me first. If they wouldve paid attention to my credit reports theyre been serveral fraud alerts on them.
Product: Debt collection

XXXX is trying to sue me for a debt that the sol in NC has run out it run out XX/XX/XXXX i do n't have a contract with them these people do n't stop look i just had my XXXX took off and recovering from XXXX XXXX now they saying i have to be in court XX/XX/XXXX police have n't gave me anything please help me thank you XXXX
Product: Student loan

I sent payment of XXXX to Nalnet to see if my payment went through, and it didnt. So I went on their website and made a payment, by doing so it made me sign up with automatic payment. I cant cancel it and Im afraid that this week a second payment will be taken from my bank before I can cancel it. I tried for weeks to email call, and even been on hold for several hours with no answer. To written response back from my email either. I only receive automatic email response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Va XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, Ga XXXX Subject : Dispute of Credit Report Information under 15 U.S. Code 1681o Dear Equifax I am writing to formally dispute certain information that appears on my credit report, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o ( Civil Liability for Willful Noncompliance ). I request that you thoroughly investigate these discrepancies as required by the FCRA and correct or remove any information that can not be validated. 

The specific items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these items are either outdated, incorrectly reported, or otherwise inaccurate. As you are aware, under the FCRA, you are required to ensure the accuracy and completeness of the information in your credit reporting system. I request that you verify the information with the original data providers and provide me with documentation confirming your investigation results. 

In accordance with 15 U.S. Code 1681o, if you willfully fail to comply with the FCRA, I am entitled to seek civil remedies, including the possibility of recovering damages resulting from any negative impact this incorrect information has had on my creditworthiness. I trust that you will promptly address this matter in order to avoid any legal recourse. 

Please provide me with written confirmation of your receipt of this dispute, as well as an update on the status of your investigation, including any corrective actions taken. I expect a response within the statutory 30-day period, as outlined by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX