23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I contacted the Bank ( Suntrust ) in or around XX/XX/2017 to raise a chargeback against the merchant for services not describe. The merchant presented themselves with having the opportunity to trade and invest in a regulated financial products, such as Cfd, s stocks and options and other regulated financial instruments. However, I prove to the bank that the merchant was unable to provide said services on their website, since the merchant in question, lacks all necessary required licenses. Therefore the merchant is in breech of contract, thereby giving the bank the reason to raise a chargeback for services not as describe since the merchant couldn't provide the describe services. This is clearly a misrepresentation. Therefore this is fitting to have a charge back initiated under services as not described.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$12000.00}, XXXX, XXXX. XXXX .... Opened Date XX/XX/XXXX Balance {$800.00}, XXXX BANK XXXX XXXX XXXX XXXX. Opened Date XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$19000.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$11000.00}, XXXX XXXX XXXX .... Opened XXXX XXXX, XXXX XXXX {$2500.00}, and XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$0.00}.
Product: Debt collection

I was told I could not set up a payment plan under the amount advised. Therefore, I called every month, making payments of {$30.00} because thats all I could afford. It was the middle of the month and they decided to send this to collections, even though I was making a payment monthly. I also settled this debt in full. I asked the representative if this account will be removed from my credit report and to send it in writing on a recorded line. I never received this document, nor did they send a request to the credit bureaus to have this debt removed from my credit report. I would like this debt removed from my credit report as they told me upon agreement of settling it in full. I would also like any negative missed payment remarks removed also.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 ( 2 ) states " I have a right to privacy. '' 15 USC 1681 section 604 a section ( 2 ) states. '' In general, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX XXXX these financial institutions and the consumer reporting agencies XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent. ANY and all consent to XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, TRANSUNION whether it be verbal, non-verbal, written, implied is revoked. Under 15 USC 1666 ( b ) A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to you as a victim of a data breach. I am requesting the immediate blocking and deletion of all accounts and inquiries listed below from my credit reports pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as these items are the result of identity theft and are not legitimately mine. I have not authorized these accounts or inquiries. 
I am aware of my rights under the FCRA and understand that you are required to investigate and correct inaccurate information. I am also aware of the lawsuits currently being filed against the credit bureaus regarding data breaches and the mishandling of consumer data, and I am considering all available legal options to protect my rights and information. 
The following accounts and associated information must be blocked and deleted from my credit reports immediately : Accounts : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} OXXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$94.00} XXXX - XXXX - XX/XX/XXXX - {$3600.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6500.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} ( Please note : If this XXXX filing is legitimate, you should not dispute it. Only dispute items that are not yours. ) Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, during the end of XXXX XXXX, I was scammed for an apartment sublet. The individual sent a check which PNC deposited into my account as spendable money by the next day. The individual did overpay me, and thus asked for a small amount back. I sent this through XXXX XXXX as a money order. Roughly six or seven days after the check was deposited, it bounced due to being a fake check. This overdrew my account. I worked with PNC to deposit money in order to get the account back to XXXX. During this time, I also filed a PA State Police report on the individual who sent the fake check, as well as reporting and receiving case numbers from both XXXX XXXX and the Federal Trade Commission. The account was set to XXXX and then closed. 

On XXXX/XXXX/XXXX, I attempted to open an account at a XXXX XXXX XXXX. However, after running my XXXX report, they declined me due to PNC closing my personal checking account under the category " Suspected Fraud Activity. '' PNC also claims in the report that " Any amounts owed have been paid. '' After finding out this information, I called PNC, and was redirected to multiple apartments, which then informed me that I owe for the XXXX XXXX transaction for XXXX that was made after my account was closed. This was due to them revoking a provisional credit given to me after I was scammed for that money. 

Not only does PNC claim I owe them money, while also attempting to " settle '' the amount, no one is able to provide a clear reason as to why the account was closed under that category and if the closure reason would be removed after I paid this " debt '' they claim I owe.
Product: Debt collection

I disputed all/parts of the alleged debt owed and requested actual proof/documentation of the debt. Signed agreement with payments made. They responded to my letter and said after reviewing the debt they believed it was still owed. They did n't send me anything beyond that which makes it impossible for me to know if the alleged debt is accurate. They then filed a complaint in county court. I am responding to the complaint. This company recently settled due to collection practices on a class action suit. I feel they are still using questionable tactics. They now want not only the alleged debt but attorney and filing fees and that could have all been adverted if they would have provided me with the documents I requested but I believe they did that thinking they could make a little more money with this account by filing thinking I would agree to pay or a default judgment. I have dealt with them before and made an arrangement on a debt that they filed on that they provided me proof of so I think they thought they would get me to agree to this debt and the fees as well. Whether I owe the debt or not is not the issue ... the issue is I feel they filed to collect extra fees as I did n't make any arrangement with them because they failed to provide proof of the debt.
Product: Debt collection

Beginning in XX/XX/2018 I requested validation of debts showing on my credit report from Portfolio Recovery ( see attach letter. ) I never received any validation of the debt from either of these collection agencies but they continue to report to my credit report which is a violation of the Fair Debt Collections Practices Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for conducting inadequate and misleading investigations into disputes regarding my credit profile. As a consumer,! have a right under the Fair Credit Reporting Act ( FCRA ) to have my disputes investigated thoroughly, but TransUnion has failed to fulfill this obligation. 

Simply " parroting '' information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ). 

Over the course of my recent interactions with TransUnion, I have noticed a pattern of what i believe to be sham investigations. My disputes regarding inaccurate information on my credit report were met with superficial responses that did not address the concerns I raised. As you can see the report from XXXX and TransUnion doesnt match. Specifically : TransUnion has responded to disputes with generic statements or resolutions that did not appear to involve any meaningful investigation. 

My evidence supporting the inaccuracies in my credit report was not acknowledged or addressed in the responses. 

The results of the disputes were issued in unreasonably short timeframes, suggesting that no thorough investigation could have been conducted. 

These actions not only undermine the integrity of the credit reporting system but also violate the provisions of the FCRA, which requires credit reporting agencies to conduct reasonable investigations of disputed information. According to 15. U.S.C 1692C they have violated my rights by unlawful communications. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnion 's dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CFPB to take necessary enforcement actions to hold TransUnion accountable for any violations uncovered during the investigation.
Product: Debt collection

WHEN I CALLED TO XXXX TO ( XXXX XXXX XXXX)  A  NUMBER THAT I WAS GIVING FROM COLLECTION AGENCY (CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX, MA XXXX) I TRYED TO GET INFORMATION REGARDING THIS ACCOUNT IN COLLECTION, THEY COULD NOT FIND ANYTHING UNDER MY NAME, OR SOCIAL SECURITY NUMBER . ALSO WHEN I DID REQUEST STATEMENT BILLS FROM AT LEAST 3 TO 5 MONTHS OF SERVICE WITH DETAIL FOR EACH MONTH FROM : 
(CREDIT COLLECTION SERVICES
XXXX XXXX XXXX XXXX XXXX, MA XXXX ), I WAS NEVER GIVING THOSE DOCUMENTS, THEY JUST SENT ME A DOCUMENT WITH SUMMARY OF AMOUNT OF MONEY, AND COMPANY NAME ON IT THAT   WAS PUTING ME  IN COLLECTION.  I DO NOT KNOW HOW LEGAL IT IS THAT COLLECTION AGENCY KEEP INCREASING AMOUNT OF MONEY IN  ACCOUNT EVERY MONTH.  THE ORIGINAL AMOUNT OF MONEY FROM COLLECTION  AGENCY SENT TO ME FROM FIRST LETTER WAS (XXXX XXXX) , IS NOT THE SAME  AMOUNT  FROM XXXX XXXX  ORIGINAL AMOUNT( XXXX) .
Product: Credit card or prepaid card

Kohls charge serviced by capital one. I called the customer service was on hold over two hours to get through. I couldnt understand first why I can not see my statements older than XXXX this year then second when I am making a payment always above the min my balance hasnt been moving in more than 5 months I look at the last statement and they are charging multiple interest rates which add up to almost 50 % interest I had a fixed rate of 26.49 % the past 8 years and all of a sudden I cant make headway to pay off XXXX it just goes up and up Im now into XXXX Where I started in XXXX I havent shopped there in 6 months so how is that right. Only XXXX has counted towards the balance with a average payment amount of XXXX every month since XX/XX/2020 They need to be stopped please do something I have rcvd no communication in any form or signed or agreed to a balance protection insurance and variable rate this is a complete consumer scam and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many Inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these Inquiries. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX Date of Inquiry XX/XX/2020 If you feel there is a possibility these Inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX : XXXX XXXX, XXXX : # XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

They sent a collection letter pertaining information from I do not know where and trying to use to coerce a payment which is against federal law. This is identity theft If I have no business with this company then should not be contacting through any medium.
Product: Credit card

I got a message saying that my credit limit was lowered due to my credit score lowering. They lowered my credit limit to the balance that I had on the card making it a maxed out credit line. With absolutely no problem on the account or with my payments for them to do this hurts my credit score even more. This is a horrible move that a company can do this, lowering your limit because you have not bomber your credit, but stressed it as well all do from time to time, but now with them lowering the limit to the point this card is now maxed out at which it has NEVER been close to doing, is absolutely horrible. They are giving themselves the reasons and go ahead to just take more away. This isnt right. They should not be allowed to lower my limit to the point my card is maxed out. They should be allowed to my Hurt my credit MORE. If they wanted to lower my limit, fine, but by taking {$2500.00} off my of {$4500.00} limit when I had an {$1800.00} balance, they need to be stopped from being allowed to do this.
Product: Student loan

Nelnet XXXX XXXX ( " Nelnet '' ), either through negligence or malice, has caused me damages as a result of their irreverent handling of tuition refunds. 

Specifically, Nelnet has made multiple mistakes that have resulted in an ACH transfer being reversed, as a result of this reversal my bank account is likely to be charged one or more overdraft fees. Worse, Nelnet has purposefully delayed a refund of {$930.00} dollars in an apparent attempt to ensure that I would be charged overdraft fees. Outrageously, Nelnet has reordered their ACH transactions to ensure that withdraws are processed before deposits. 

In detail, I have been owed a {$930.00} refund for over one week now. However, despite promising to provide a refund in a couple of days Nelnet has not even started the process of initiating a refund and has instead focused on withdrawing nearly {$4000.00} from my account in an out-of-order manner. 

If Nelnet has processed transactions in their logical chronological order wherein the {$930.00} refund was executed first then it is likely that the current torturous activity of Nelnet and resulting damages may have not occurred or been limited in scope.
Product: Checking or savings account

Bank of America closed my account on XX/XX/2021. I was told I would receive a check with my remaining funds come that date. Original date was XX/XX/XXXX, I still have not received my funds. There is {$15000.00} in the account. And Im going to be evicted without it. Nobody has helped me.
Product: Student loan

I graduated from the University of XXXX in XX/XX/XXXX. I began paying back my loans shortly thereafter. In XX/XX/XXXX I started XXXX XXXX  in XXXX, I am still a XXXX XXXX receiving my XXXX in XXXX XXXX. The lender has asked two years ago that I start repaying my loans, while I am receiving loans to live on for XXXX XXXX. They told me that I only get to pay 6-months of interest only payments a year and then later when I reached back out to see about options they told me I would have to default on my loan and then they would have more options for me. Being that I am in the XXXX XXXX, they neglected to give me options and as a XXXX XXXX I can not afford to start paying my loans back -- because I am not gainfully employed yet and still live off of student loans. I reviewed the documents and my grandmother called- they bothered us daily even while working with us. By calling multiple times a day ( both my grandmother and I ) and on weekends ( when they couldn't even be reached ) when we were working with them to fill out paperwork for forbearance for XXXX, they continued to harass us. Full disclosure, it takes time to have directors of XXXX XXXX sign paperwork when we all have full XXXX XXXX and put XXXX  first, but I got it within a week and sent it back. They required corrections, then after I resubmitted it they told me it was the wrong document ( they didn't notice that the first time? ). I feel like I am being taken advantage of and it is not right. I am working very hard and keep in contact with them to ensure things are handled and I am being seriously mistreated.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX. A Dispute on XXXX had been submitted against a collections account ( COMLUMBIA DEBT RECOVERY XXXX, WA XXXX ) ( Date Opened XX/XX/XXXX. ) for a past due balance of XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX Cents. ( {$10000.00}. ) ( Account Number # : XXXX ) the dispute was Un-Resolved and did not meet lawful conduction and expectation. According to my rights under the Fair Debt Collection Practices Act ( FDCPA ) If this account has been verified as accurate, I need to see ( COLUMBIA DEBT RECOVERY located at XXXX, WA XXXX ) Methods of Verification and how they are reporting and demanding a collection with a past due balance of {$10000.00}. If they can not provide such information. ( See, Contract Law. ) I demand this be deleted and corrected on my credit report ( s ) immediately.

Also, pursuant to 18 USC 8. I owe no debt. This company ( COLUMBIA DEBT RECOVERY located at XXXX, WA XXXX ) is in violation of my consumer rights and privacy pursuant to 15 USC 1681b 2. ( COLUMBIA DEBT RECOVERY ) also has no permission to report ANYTHING using my information pursuant to 15 USC 1681 4. ( Also See, 15 USC 1692c, 15 USC 1692g and 15 USC 1681e ( b ).

Specially I'm requesting the following information.

1. ) " Proof of the original debt. '' Please provide the original creditors purchase agreement or E-document that substantiates the debt. This should include a detailed account of the original amount, the date of the original transaction, and the specific goods or services for which '' the debt was incurred. 
2. ) " Verification of Your Legal Right to Collect : *Please provide a copy of the assignment or transfer of the debt, including any supporting documentation that shows you have the legal right to collect this debt.

3. ) *Details of the Original Creditor : * Please provide the name and contact information of the original creditor, including any relevant account numbers.

4. ) *Itemized Accounting of the Debt : * I request a complete breakdown of all amounts currently being claimed, including any fees, interest, or other charges. 

Until ( COLUMBIA DEBT RECOVERY located at XXXX, WA XXXX ) provides the requested validation, I will not make any payments or acknowledge the legitimacy of this debt. Furthermore, ( COLUMBIA DEBT RECOVERY located at XXXX, WA XXXX ) is Prohibited from reporting this " debt/collection '' to any credit reporting agency until it has been verified correctly. Please be advised that if this debt can not be validated or if ( COLUMBIA DEBT RECOVERY located at XXXX, WA XXXX ) continues to pursue collection without proper validation, I will consider it a violation of the FDCPA and take appropriate legal action. 

Thank you CFPB for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple credit inquires on my credit report for starting from XX/XX/2022 to XX/XX/2022. At that time that these inquiries occurred I have a fraud alert on each of my credit reports. None of the agencies reached out to me to confirm a fraud alert was active on my account and if I authorized any of the inquiries. According to the fair credit reporting Act, you must abide by the permissible purpose provisions. I ask that each inquiry be removed or proof that each inquiry complies with the Federal Law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX