23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX for {$830.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from Experian, XXXX, and XXXX, and I was surprised to find an entry for a debt from XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance XXXX {$850.00}
Product: Credit reporting or other personal consumer reports

Inaccuracies, inaccurate reporting by the company Experian. This is fraudulent doing on behalf of these two companies. 

XX/XX/2024 Reference number : XXXXXXXX XXXX XXXX XXXX XXXX Source - Experian Company - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX
Product: Checking or savings account

last year I opened a checking account with Chase, and got a {$300.00} bonus for that, but they charged me {$84.00} Federal interests withholding, which was not supposed to happen at all. According to the IRS documents and Treaty between the U.S. and my country, international students are exempt from paying interests tax within their first 5 years. 

When I opened my account, I told them I was an international student holding an F visa, provided all my documents, including passport, XXXX, XXXX form, and also, I filed the XXXX form. 

However, within half a year, they failed to give it back, and they kept asking me to file XXXX form again and again. I think I submitted my XXXX form three times in total. But they still could not solve the problem. So I filed a complaint with Chase, the person said they could do nothing about that and tried to convince me to contact IRS to get my money back from them, which was not making any sense at all. 

Therefore, I filed a second complaint with Chase again. Unfortunately, I have never heard them back yet, it has been another half year, I guess no one in Chase was and will still care my complaint any more, since I have already closed my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XXXX, XXXXXXXX XXXXXXXX transactions were falsely made without my permission or control using pnc bank this had caused me to owe them an ureasonable amount of debt of XXXX that has been sold to a 3rd party
Product: Credit card

XX/XX/XXXXXXXX XXXX of {$500.00} gift cards charged to my Target Credit Card that i did not authorize. I submitted a completed questionnaire and police Report confirming the incident. Target denied my fraud claim. I remailed police report and questionnaire again on XX/XX/XXXX. Have not got any response from Target since. Charges are still debited to my card
Product: Credit reporting or other personal consumer reports

Absence of privacy of contract no contractual agreement exists between me and LVNV funding LLC rendering their claim to any debt utterly baseless. 
This fundamental legal principal makes the inclusion of this account on my credit report a blatant act of fraud and a direct attack on my financial well-being FCRA violations 607 ( a ) ( 1 ) and ( 2 ) consumer report agency obligations to maintain accurate and complete information 615 ( a ) ( 1 ) LVNV funding LLc obligation to refrain from finishing inaccurate information to credit reporting agencies 621 LVNV funding LLc potentially liability for significant damage and penalties resulting from non compliance with the FCRA Additional violations : 15 U.S.C. 1681i and 1681j : these provisions mandate that the credit reporting agencies implement stringent procedures to ensure the maximum accuracy of consumer information ( FDCPA ) and ( RFDCPA ) this acts prohibits the sale or purchase of debt known or suspended to be illegitimate Federal laws 18 U.S.C. 1353 ( mailfraud ) may be applicable My Demands Immediate investigation Account removal Subscription compensation A written acknowledgment and guarantee and a formal written acknowledgment from Lvnv funding LLc
Product: Mortgage

Prior to and since  the Lender recorded a Notice of Default i n  XXXX   2017 , I have diligently pursued a foreclosure alternative, such as a loan modification, or short sale.   However,  Fay Servicing h as given me a very hard time regarding submitting the proper documents.    Fay Servicing ha s verbally demanded that I submit a  XXXX  form without the third-party information filled in.   Please see my most recent cover letter to my last document submission. I also copied the IRS office regardi ng Fay Servicing 's misconduct. In addition, I have filled out a complaint form with Nevada 's Mortgage Lending Division in an effort to get the regulators attention regarding Fay Servicing 's blat ant disregard of state and federal laws.     Please be so kind to review these circumstances and st op Fay Servicing from s team-rolling its foreclosure process on my home.
Product: Debt collection

I sent American Express a debt validation letter by certified mail ( attached ) over XXXX days ago ( XX/XX/year> ) and I still have not received the information requested. At this point that's a violation and the information reporting on my credit needs to be removed immediately. Until they can prove that I actually owe this debt ( which I don't ) false reporting is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is still not resolved. The form I received through the mail through Transunion does not have the pin number listed on it. The instructions indicate I need to go online to retrieve the pin. The issue is that I can not register a minor online. On Transunion website I will either get a error message or will be directed to a page that indicates I need to mail in additional documents. I have already done this twice with no response from the company. I only received a response from the company when I have filed a complaint with the CFPB which is unfortunate. I should not have to use this avenue to contact a company and get a issue resolved. The company should have effective means internally to resolve issues such as this. I must say this has become rather exhausting as I have been trying to get this issue addressed since XXXX yet it is almost XXXX and I am still trying. I would love to speak to someone personally to get this issue resolved. Even now as I have tried multiple times to call the customer service line at XXXX I can not reach anyone, just music. At this point I have been on hold for 45 minutes and still have yet to been able to speak with anyone. Can someone please help me!!!
Product: Credit reporting or other personal consumer reports

As shown on my credit report, names and spelling of names in not correct. Phone numbers listed, and addresses are also not correct. I would like false information removed as well as the social security listed on my credit file. Last four being XXXX. that is not my social security number. other false information listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

To Whom It May Concern, I believe that American Express is retaliating against me due to my participation in the financial relief plan and possibly due to my race and gender. I have been a loyal customer since XX/XX/XXXX, without any payment issues, until I joined the financial relief plan starting XX/XX/XXXX. I completed the plan as agreed, making the minimum payments until I paid it off in XX/XX/XXXX. 

Since then, every time I try to use my card, there has been an issue. On XX/XX/XXXX, I attempted to use my card to send funds to a family member and was subjected to a " random '' financial review, requiring income verification. They stated it would take 5-7 days. On XX/XX/XXXX, after 8 days, I received another request to resend my bank statements, despite submitting them correctly the first time. On XX/XX/XXXX, I called to check up on it, and the individual I spoke with completed it within XXXX minutes. 

My payment was due on XX/XX/XXXX. I paid off my balance of {$4900.00}, which left my account on XX/XX/XXXX. However, I still couldn't use my card. When I called, I was told the payment needed to be verified, which had happened before without issue. They verified the payment and then asked if the payment for XXXX had cleared. I mentioned that I missed the payment on my business card and asked if it would cause any issues. I paid the minimum payment on both business cards to prevent any problems. 

Throughout the day on XX/XX/XXXX, I called six times and received the following responses : I was told I would have to reverify the {$4900.00} payment for the second time, which I declined.

I asked to speak with a supervisor 12 times, but the individual refused to transfer me, so I disconnected the call. 
I spoke with a supervisor who verified the {$4900.00} payment for the second time but couldn't verify the business card payments. 

On XX/XX/XXXX, I called again and : The individual had to verify the {$4900.00} payment for the third time, although it was already verified in the system notes. She confirmed the business card payment left the account and stated I could use the card. 
I noticed my app indicated my payment was late, although it had been verified. When I called back, the individual refused to let me talk to a supervisor but offered me XXXX XXXX XXXX, which I haven't received. She transferred me to another team, placed me on hold for 15 minutes, asked for my full social security number, then disappeared. I disconnected the call. 
I called back, and the individual stated the supervisor, whom I wasn't allowed to speak with, said Id have to wait 24 to 48 hours to use my card, even though the payments were verified multiple times. It was stated that I could use my card as of XX/XX/XXXX at XXXX XXXX central. 
On XX/XX/XXXX, my XXXX business card still reflected my payment as past due, the status it showed when I couldn't use it. I am concerned that they will deactivate it again out of retaliation. 

On XX/XX/XXXX or XXXX, I applied for a credit limit increase and was denied, with the sole reason being that I participated in the financial relief plan.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,, NV XXXX XXXX XX/XX/year> Credit Collections Services XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear Credit Collection Services, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 

As a customer of Credit Collections Services, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing XXXX. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties. 

My concerns are as follows : 1. I have not received any of your privacy notice and disclosures.

2. I have received no information on this matter only a bill saying I owe XXXX XXXX 

To resolve this matter, I kindly request the following : 1. Confirmation of whether my nonpublic personal information has been disclosed to third parties.

2. A copy of your current privacy policy, as required under 15 U.S.C. 6802.

3. Immediate cessation of any information sharing that is not explicitly authorized by me.

4. Removal off credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiries online with XXXX and was advised credit inquiries were factual that stay on record for two years but was advised to file a report with the FTC, however, I was directed to the CFPB website. I contacted XXXX via phone and tried to dispute the inquiries with them directly. I tried getting in contact with XXXX, however, I didn't have any luck. Also, some accounts reporting on my credit file with bankruptcy have been disputed several times, but have yet to be removed from XXXX and XXXX, it has already been removed from XXXX. I will attach my credit file and it will show the accounts listed on each credit bureau. Also, I wanted to dispute addresses, spellings of names, and employers on my credit file.
Product: Credit card or prepaid card

Applied for new credit card and activated card. 
Tried to many multiple purchases and card was declined. Have tried to reach chase customer support but have been rejected or told that the department that could help me is no longer at work. Attempted to call during different hours of the the day with same result.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX also known as U.S department of education is the holders of the account. In their system all my balance are paid and should be reporting {$0.00} balance paid in full but all the other credit bureaus are still reporting old balances whats incorrect.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Student loan

My original student loans which started in the year XXXX, was with a servicer that went out of business. In the transfer to XXXX XXXX all my payment information, and loan documentation which was at that time paper, was lost. 
Under my second loan servicer I was eventually informed that instead of forbearances and deferments for a payment I repeatedly stated I couldn't afford, I could sign up for an income based repayment plan. After COVID, XXXX XXXX has since transferred all my loans ( which are direct loans ) to Nelnet. Under Nelnet, once again my account is blank. 
I can't see payment history, plans etc. the government page has limited information, but I can see some of my IDR application dates. The gov website also says to refer to your student loan devices for specific information about your account. 
On XX/XX/XXXX I contacted Nelnet to get my qualifying payment count. I was informed they could not give me this information. I asked when my one time adjustment would be applied ( because my first loans would be forgiven at that point. ) He said he couldn't tell me the date of that as well. He told me that it had been applied in the system, but there didn't seem to be any way to verify this. He told me when my forgiveness was up I would get notification, and don't worry, if I ended up overpaying I would get a refund. I asked how would they know if I was due for forgiveness if they didn't know my count and he said the system knew, which was updated from the government website so contact them. I told him the government website said to contact my servicer. He said he hears that a lot. Contact them anyway. I asked if there was something I could put in writing to request this information from Nelnet. He said yes I could write the gov student loan dept. After talking in circles it was clear I was never going to get the information even though I believe that if the adjustments have actually been made to my account, I should have already received notification from them that my loans are being forgiven instead of notices that I need to continue paying.
Product: Credit reporting

Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are Revolving. Experian reports incorrectly that this account balance is {$8500.00}. Experian reports incorrectly that this account is past due {$8500.00}. Experian reports incorrectly this account Credit Limit is {$7000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit card

I Have Ordered A Product From a website called XXXX XXXX on XX/XX/XXXX XXXX on the website it said it would take 1-9 days to Ship my Order. Its now day 13 Ive been contracting the seller and hes been Ignoring all my texts and Emails. I contacted the bank to file a dispute And They closed my dispute In less than 24 Hours and didnt give me a Valid reason of why my dispute was closed. They told me I wont be able to receive My Money Unless the seller Refunds it for me after I told them That The seller been Ignoring me for DAYS!!! The bank ( Wells Fargo ) then told me theres no way XXXX wont be getting my Money with them. I have contacted the seller again and Still no response. please help!!
Product: Checking or savings account

On several different occasions, my balance will show more than what is in the account. At first, I thought I had just miscalculated, but, then I was hit with a bounce fee. When I went to see how I could have bounced, I seen the amount had been " adjusted '' only AFTER I had spent the extra money in the account. This has happened two other times as well. Today, I checked the account against my math, and the account shows an additional {$12.00} over my actual figure. I had my husband do the math as well, and his matches mine. {$12.00} don't seem like much of a difference, until you spend XXXX only to find out you really only had XXXX. Then, another bounce fee. Why are they allowed to do this