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

We received a letter in XXXX of XXXX stating that Suntrust Bank was closing all of our accounts - checking, savings, and credit card. 

We had about XXXX weeks to move our money to another bank, and lost access to the online banking. 

Our credit cards were shut off, and did not work. We made sure that the credit card had been fully paid off as well. We had no access to verify anything, and the credit card has been reporting as " closed '' with a {$0.00} balance since XXXX  on our credit reports. 

Since Truist bank took over, they are reporting we have over an {$8000.00} balance on the credit card, and collectors continue to call. How is this possible when our cards were shut off, we had no access, and all of our accounts ( including credit cards ) were closed? We can even see on our checking statements where we paid off the credit card XXXX final time. 

Why was this shown as closed and paid off for {$0.00} for YEARS, and now that Truist has been 'created ', this has popped up? 

XXXX has a horrendous phone call system - often with 2+ hour waits, and it is impossible to get in touch with anyone there.
Product: Credit card or prepaid card

On XXXX I received my XXXX XXXX XXXX XXXX statement. On this statement I earned XXXX points. However, my XXXX has not been updated with the points as off XXXX. I have called repeatedly to have this matter resolved to no avail. XXXX refers to Ford and Ford refers to XXXX.
Product: Debt collection

Disputed debt was discharged by XXXX  and XXXX because it was never owed by me. I have no awareness of this debt collection company Paramount Recovery nor have I ever been contacted by this company. No case number or contact information ever. I have submitted a dispute with XXXX and received a dispute number XXXX but there online program is not working so that you can obtain the results. I have excellent credit but this has caused my numbers to drop XXXX points..I need assistance regarding this matter.
Product: Credit reporting or other personal consumer reports

FCRA XXXX ( XXXX XXXX. XXXX ) grants me the right to have fraudulent accounts removed from my credit report within XXXX business days. I demand their immediate deletion. Failure to comply will result in legal action and a CFPB complaint. Please confirm in writing. 

Dear CFPB, I am reaching out to formally clarify that I am the XXXX submitting this dispute. You have now dismissed my dispute XXXX, and this will be the final time before I proceed with litigation. 

I expect my dispute to be processed properly and not dismissed without valid justification. Please ensure that this matter is handled accordingly.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX open date XX/XX/XXXX Inquiry : XXXX XXXX XXXX open date XX/XX/XXXX Inquiry : XXXX XXXX XXXX open date XX/XX/XXXX Inquiry : XXXX XXXXXXXX XXXX  open date XX/XX/XXXX Inquiry : XXXX XXXX XXXX open date XX/XX/XXXX Inquiry : XXXX XXXXXXXX open date XX/XX/XXXX Inquiry : XXXX open date XX/XX/XXXX Inquiry : XXXX  open date XX/XX/XXXX Inquiry : XXXX open XXXX XX/XX/XXXX has violated my rights. 

I looked at my XXXX credit report 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Why ca n't they explain to what the full balance i owe includes. I returned some equipment and there is still a charge for equipment on my account. What are the service charges?
Product: Credit reporting, credit repair services, or other personal consumer reports

On today XX/XX/XXXX I have noticed several inquiries on my credit profile amongst all 3 credit bureaus I haven't given authorization to inquire of my credit profile or have voluntary done so. I need the inquiries removed from my credit profile under the Federal Credit Report Act these inquiries should be removed immediately based on fraudulent reporting.I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries. 

EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I attended the XXXX XXXX XXXXXXXX from XXXX and XXXX. I have 2 private loans in the amounts of {$4300.00} and {$5000.00}. I've been paying them since XX/XX/XXXX. I now owe {$13000.00} ( they are in forbearance ) On XX/XX/XXXX, I had my federal loans discharged due to my borrower defense application being approved. I asked for the same to be done to my private loans. 

On XX/XX/XXXX, I received an email from the customer advocate for Navient stating that " My private loans meet the criteria for me receiving a school misconduct discharge loan application ''. Once submitted it would take up too 60 days to receive an response. 

On XX/XX/XXXX, I received the application. I filled out the application and submitted it on XX/XX/XXXX ( XXXX ). 

After 30 days ( XX/XX/XXXX ) I sent an email asking " What my status was on the school misconduct discharge application? ". I received an email ( XX/XX/XXXX ) from the customer advocate stating that " We are in the process of reviewing your application and we have 60 days ''. 

I than received the " Denial notice '' on XX/XX/XXXX stating " That I didn't meet the requirements of a discharge ''. I immediately sent an email and a follow up email ( XX/XX/XXXX ) asking why my application was denied ( requirements ) and it they could send me any information so I could ask for a reconsideration on the decision. I haven't received an email from them responding to my requests. ( XX/XX/XXXX )
Product: Payday loan, title loan, or personal loan

This is a follow-up of claim with the reference # XXXX, Happy Money is negligent where the company entrapped my son by disregarding the account was falling behind from day one and the automated emails I did receive, they would inform me someone would be getting in touch, but no one never contacted me to resolve the issue. The reason for the word entrapped, is the companys failure to assist us correctly but recently claiming the account was charged off around the XXXX a day before my payment attempt. Their excuses are they called and e-mailed XXXX XXXX XXXX but what is their excuse for not unprofessional conduct disregarding my son 's request to allow his mother who is his authority to handle the account? My other reason is, it was not until I spoke to a representative at the end or beginning of XX/XX/2022 when he finally comes out and states that they could have taken a payment over the telephone as an exception and why did I not mail the payment in. I informed him I was never provided the options. All I was told and redirected to do was to go into the portal to make payments when I constantly informed the company, I could not make payments online under the old account under XXXX XXXXXXXX XXXX. The company new this and even was provided a screenshot of the closed accounts. However, no one mentioned nor requested a screen shot prior to the day the XXXX questions were answered and submitted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The following accounts need to be removed or blocked from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complait to you today to follow up the previous CFPB complaints that I have been submiting to fomplain regarding the removal of the fraudulent accounts and information from my Credit Report. On XX/XX/XXXX, I sent a letter addressed to the Credit reporting Agencies to remove the disuted accounts and information completely from my Credit Report in accordance with the FCRA section 605b. The Letter I sent was already my sixteenth ( 16th ) Dispute letter I have been sending. But despite all the letters and efforts I excert, the Credit Reporting Agencies grew ignorant of their duty and chose to neglect their responsibility with the FCRA section 605b. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. I have read enough to uinderstand my rights which is clearl beoing violated by the Credit Reporting Agencies. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items completely from my Credit Report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/2012 XXXX  XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Options XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It XXXX Concern : Recently I received a copy of my credit report which show inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an XXXX to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. 

XXXXXXXX XXXX XXXX ( auto ) XXXX XXXX XXXX XXXX XXXX ( auto ) XXXX XXXX -XXXX  XXXX ( bank ). XXXX XXXX XXXX XXXX ( finance ). XXXX XXXX XXXX XXXX ( finance ) XXXX XXXX -XXXX XXXX XXXX finance ). XXXX XXXX XXXX XXXX XXXX finance ). XXXX XXXX -XXXX ( bank XXXX. XXXX XXXX XXXX ( bank XXXX. XXXX XXXX Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries. 

If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 

I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof otherwise. 

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

I can't access credit karma any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuant to 15 USC 1681b ( 2 ) Permissible Purposes of Consumer report Equifax has violated my rights by furnishing 16 accounts without my written consent. This is my third attempt to remove these alleged accounts. 15 USC 1681n states any consumer reporting agency in violation of this subsection is liable for {$1000.00} per violation. 

Fed loan # XXXX Dept. Of EDU # XXXX XXXX accounts same number Dept. Of EDU # XXXX ( XXXX ) accounts same number Fair Collections # XXXX XXXX # XXXX XXXX # XXXX ( XXXX ) accounts same number US DEPT. ED # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts has been causing financial damage, Emotional Distress and these alleged accounts are defaming my character and no creditors will do business with me.
Product: Credit reporting or other personal consumer reports

my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of XXXX Data Attacks. The derogatory information reflected in my credit report maintained by Experian under my Social Security number. As a victim of identity theft and the XXXX Data Breach ( XXXX XXXX. XXXX ), I have been impacted by fraudulent account that must be removed from my credit file immediately. I have informed agencies many of times that the account below is fraudulent. 
Account Name : Dept of EducationXXXX Account XXXX : XXXX : Balance : {$2400.00} : Opened : XX/XX/year> Your agency has routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to complete the process to get a home loan through the XXXX program and the counselor assigned to my profile is unable to pull my credit reports due to federal legislation. The error code is XXXX XXXX and it is indicating that consumer requested security freeze on file. The credit freeze was removed on all 3 bureaus on or around XX/XX/2023. As of XX/XX/2023, the counselor is still unable to pull my credit reports and scores due to credit freeze on the account that all 3 bureaus is telling me does not exist. I have called a 3 multiple times and none are frozen but clearly they are all still frozen since my counselor is getting this error message.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : CHASE CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX ..., REPORTING ON : XXXX, XXXX AND XXXX,
Product: Student loan

I am a United States military service member. In XXXX US military paid out {$50000.00} of my student loans for eight years of service in the HPLR program. The amount that was left over was tacked onto my XXXX   and XXXX degree loans. my student loan balance is {$230000.00}. Fascinating I went into debt to take care of people who are so on thankful for healthcare ....

Under the public health service loan program application since XXXX Ive had full-time jobs and made payments but not all in sink. In XXXX I started to make regularly month payments underneath the public health student loan repayment program. I have not missed one payment. I have been working part time for the US military  and 32 to 36 hours a week for the employer in the hospital. Fed Student Loan servicing is denying my applications and will not tell me why. And healthcare 32 to 36 hours a week is considered full-time. I recently contacted them and XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. Still no data sent XX/XX/XXXX I sent them a certified letter asking them for 1 ) rationale of why they are not putting my payments towards the public health student loan repayment program 2 ) no interest while on XXXX XXXX during the my XXXX XXXX in reserve. I have still not heard anything back. All my requests go unanswered.
Product: Credit reporting or other personal consumer reports

For 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 Inquiries Despite a my request for information from XXXX months of asking in letters regarding late payments and collections, inquiries, there has been no response or resolution has been provided. This lack of transparency and action on the part of the debt collector represents a violation of the consumer 's rights under pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I was recently contacted by your companies above in regarding a debt that I owe or a inquiry I made. However, I disputed the validity of this debt as I have no knowledge or records of the alleged account in question. In accordance with the FDCPA, I kindly requested that they provide me with the following information to validate the debt : XXXX A complete and itemized statement of the alleged debt, including the original creditor 's name, the date the debt was incurred, and the amount of the original debt. 

XXXX A copy of the original signed loan or credit agreement, or any other documentation that bears my signature and serves as evidence of my liability for the alleged debt. 

XXXX A detailed explanation of any fees, interest, or charges added to the original debt amount, along with proof of their legal authorization. 

XXXX Proof that your agency is legally authorized to collect debts in my state of residence, including the necessary licensing and bonding documentation. 

XXXX A statement affirming that the alleged debt has not exceeded the statute of limitations in my state of residence. 

As per the FDCPA, they are required to respond to my request for validation within XXXX  days of receipt of this letter. I also requested During this time, all collection activity must cease, and any negative information reported to the credit bureaus must be removed. Failure to provide the requested validation or to comply with the FDCPA may result in legal action being taken against their agency. They did not follow through with my request at all. 
Furthermore, I am invoking my right under the FDCPA, 15 U.S.C. 1692c ( c ), to demand that you cease and desist from any further communication or collection efforts concerning this alleged debt. This includes, but is not limited to, telephone calls, letters and electronic communications to me, my family, friends, or place of employment and reporting data on my consumer report. Any further attempts to contact me regarding this matter may be considered harassment and may result in legal action being taken against the agencies
Product: Credit reporting or other personal consumer reports

Back in XXXX or XX/XX/year> I started school at XXXX XXXX. I dropped out of school XXXX of 2XXXX because I was XXXX XXXX XXXX and was advised by my doctor at the time to be on XXXX XXXX Later on as I was speaking about the money I did in fact borrow prior to me having my XXXX on XXXXXXXX XXXX XXXX I learned that there was money borrowed after my child was born from that school. So I started taking this matter up with the school itself. In the process of me taking it up with the school, the school closed down. Later I would find out there was a lot of fraudulent activity involving the school somehow taking loans out on students name. Which the school had several lawsuits as well against the school as well. I have put in several disputes in with no luck of getting the loans that were taking out after XX/XX/year> from that school. Those loans are completely fraudulent. The only ones that belong to me were the student loans that I had prior to XXXX of XXXX