23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a second mortgage with a company called XXXX. I made on time payments. My automatic payments are now being collected by a debt collection company called Real Time Resolutions. The problem is I have never been late or in default with my payments to XXXX. XXXX surrendered their license in XX/XX/2022. I received a letter stating that the statute of limitations has run out on this debt. I am disputing this debt. I should not be in collections for a debt that I was consistently paying.
Product: Student loan

I originally took student loans for XXXX school from XXXX to XXXX. ( XXXX XXXX  ) I took loans from XXXX for XXXX  school ( XXXX XXXX XXXX  XXXX These loans are listed as income driven repayment. i consolidated all of these loans into IDR plans in XX/XX/XXXX as directed by a national student debt counselor who informed me that my loan would qualify for forgiveness because I had been in repayment for over 20 years. 
I contacted ED Financial, my loan servicer and inquired as to how to go about requesting loan forgiveness. I was told that I had to consolidate all of the loans into a new IDR plan as noted above, so I did so. Upon approval of this plan, My monthly payment went from $ XXXX to $ XXXX. I was told at that time that it didn't matter because once I qualified for forgiveness at 20 years, I would be refunded all subsequent payments once my loan was forgiven anyway. 
On XX/XX/XXXX, i contacted EDfinancial to inquire about the status of my loan and forgiveness. I was told that according to their records, I did not start paying my loans back until XXXX. This is not true. I believe they were referencing the wrong loans and possibly purposefully not allowing all of the details to emerge so as not to allow due loan forgiveness. I asked them to provide to me a history of my loan payments in balances, and they told me they could not do so. I have tried at length to find this information on the federal student aid website and can not locate it. 
At this time, I am being told that I can not lower my month payments at all either. I can not afford to $ XXXX for another 20 years.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I asked them to stop all communications until they send me proof that this debt is mine.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within XXXX business days. 

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened XXXX XXXX XXXX XXXX  XXXX | XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for XXXX year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported. 

I have contacted TransUnion multiple times regarding these fraudulent accounts and inquiries on my credit report, and no solution has been provided. I am deeply affected as this information is not mine and it is harming my creditworthiness. I request all documentation proving that these accounts and inquiries are legitimate. I have requested a response from this agency, and after more than XXXX  days, I have received no response. 

Please assist me in removing these accounts and inquiries immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

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

On XX/XX/2021 I applied for a home owners insurance policy for my investment property. My Broker, XXXX XXXX XXXX XXXX, XXXX, was successful in placing the policy through XXXX XXXX XXXX in XXXX, FL. Shortly there after I received a letter XXXX dated XX/XX/XXXX ) indicating that the rate I was charged was increased due to credit data received from LexixNexis. Letter listed four reasons : - Account with a reported delinquency Including bad debt - # accounts with a reported with 30 day late payments - # of accounts that have been established - # of acccounts with 30 day or worse late payments within the las 30 day. 

As my credit is essentially perfect ( current credit score XXXX XXXX, I immediately requested the data records from LexisNexis. On XX/XX/XXXX I received their response and after a comprehensive review, I found that ALL of the credit reported belonged to my son. The file correctly reflected his name ( same as mine with a different middle name ) and social security number and his address ( the investment property where he lives ). Today, XX/XX/XXXX I contacted LexisNexis and requested they correct the report and only report credit which has my Social Security number, home address, and DOB. I also requested they send the corrected copy to XXXX XXXX Insurance. I was advised that they couldn't do that as XXXX XXXX 's inquiry did not provide any social security or DOB information. Nor did it included a middle initial. The address they submitted was the investment property not my mailing address. Based on the vague/incomplete request they indicated that they had provided the information requested. Therefore, I would need to have XXXX Insurance re-submit the request with the correct parameters. 

Based on the feedback from LexisNexis I contacted XXXX Insurance who very quickly told me that they would not re-submit and that I needed to go to LexisNexis and have a consumer comment indicating an error in the file. They also indicated that this would not removed the surcharge on my insurance. After I insisted that this was not legal indicating that they can not charge me a surcharge due to their error, I was told there was nothing they could do and after I indicated that I would raise this to the regulators I was hung up on. 

Net, net. XXXX Insurance submitted an incomplete and erroneous credit request and refuses to correct their error which is resulting in an increased premium which they are not entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a response back from XXXX as well as XXXX  stating that there was no update to the accounts in question ( XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. After receiving my initial response from the credit reporting agency, I asked for additional information as to how this information was verified and received no response. 

Most recently I have sent letter to the Credit Reporting Agencies ( Equifax, XXXX, XXXX ) requesting a review of incorrect information, including the above-mentioned accounts as well as outdated personal information. I provided a copy of my drivers license to show proof of residency. Two letters have been sent one on XX/XX/XXXX as well as on XX/XX/XXXX. At this time, there has been no response from the credit reporting agency or the collection agencies in question
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Experian Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ( 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 state a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

Still showing on credit report as these XXXX  loans have already been paid off ( 5+ years ago ).
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes witXXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Collection from XXXX XXXX XXXX should be removed from Experian. XXXX has removed it due to inaccurate reporting.
Product: Debt collection

There account reporting from CAPITAL ONE is already paid. This negative report affecting my credit score.
Product: Checking or savings account

On Tuesday XX/XX/year> approximately XXXX XXXX, I used my bank card to remove {$1000.00} cash from a Wells Fargo ATM XXXX I was charged 2 fees. One fee of {$5.00} and another 2 %. The ATM gave my card back and said take my cash. At that moment I couldn't receive or remove the cash from the ATM because the hardware had malfunctioned. My account was debited immediately. I took a video and a photo of the incident and immediately reported the issue to the bank manager ( which was pretty helpless ). After some exchanges and explaining the issue, she finally gave me a number and took my information to call and report it with Wells Fargo. The following day Wells fargo called and said they'll let me know when a case manager is assigned. The following day after that, the same thing. No one was assigned to my case. I was informed to call back the following day and then no one has been assigned still. I was informed that I should follow up on Monday of the following week. I have been led around in circles and not one person is taking this matter urgently. I'm now almost a week late on my bills due to this incident.

This could have been fixed immediately but these banks don't care about any of us because in the end, no one holds them accountable for their actions and they're too big to even be bothered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters to transunion credit bureau concerning a bankruptcy, wrong addresses, & wrong birth date on my credit report, which probably explains the wrong information on my transunion credit report. I started sending letters in XX/XX/XXXX. I recently started sending additional letters starting in XX/XX/XXXX again.Transunion hasn't responded at all. It seems transunion is blatantly disregarding the rules of the Fair Credit Reporting Act. I recently purchased copies of all XXXX credit reports. XXXX XXXX XXXX doesnt have a bankruptcy on their credit reports. I've asked transunion how are they identifying a bankruptcy on their credit report. I've sent transunion a copy of my driver 's license everytime I sent a letter and advised them about the incorrect addresses & birth date. Below i also i have a letter from the Bankruptcy Court explaining they do not report or provide information to credit bureaus or agencies
Product: Money transfer, virtual currency, or money service

Starting XXXX of XXXX i been sending my friend money to pay for a trip as we were splitting it XX/XX/XXXX and one day randomly my XXXX stopped working for unknown reasons now my chase account will not work with XXXX  not under a different number of email now i have no way to transfer money to people if needed. I have tried calling chase and XXXX and my issue has not been solved
Product: Credit reporting, credit repair services, or other personal consumer reports

DisputeXX/XX/XXXXAgain I disputed this item XXXX XXXX XX/XX/XXXX said they reinvestigated and everything came back factual I submitted another dispute proving there was an accurate information sent a picture with my address I actually live at and I typed in my exact address XXXX XXXX XXXX then they said they would change it all they did was change one number and the address and it still shows up as XXXX XXXX XXXX XXXX Tennessee and they sent it back so now I'm disputing again which after the last time they've already made a violation against my rights for not doing the reinvestigation they said or they would have caught that my address was wrong then they said they would fix it and then put a different number so now I would like this removed no one has held them accountable for their violations I would also ask for their {$1000.00} fine as this has been holding me back from getting to my business that has been costing my family extra money and after months and months of trying to fix this I really hope someone can get this removed and protected the consumer rights like I was told was such a priority
Product: Debt collection

A new collections agency sent me a letter on XX/XX/year> for a debt previously disputed ( medical debt that is not mine ). I responded via email on XXXX requesting XXXX items as part of debt validation. 

In the letter they sent me, they are claiming a document that clearly says " this is not a bill '' is, in fact, a bill. They failed to provide any other documentation as requested.
Product: Credit reporting

I filed bankruptcy in XX/XX/2014. It was discharged in XX/XX/XXXX of that year. However, the Transunion report is showing XXXX accounts that have not been updated since I filed in XX/XX/2014. Those accounts refuse to update the information on the Transunion report to show that the account was discharged in Bankruptcy. XXXX wrote a response stating they did not have to correct it because their files indicate it is discharged despite the credit report showing otherwise. XXXX has updated all accounts to show they were discharged in bankruptcy. Also, these accounts on Transunion still list the highest balance, which is well above my credit limit, date of last payment, and also list them as derogatory while the other agency has updated correctly. It should be noted I had issues with XXXX updating either credit report. I asked them to do what the law states and they told me they do n't have to because I am not " understanding '' the law correctly. All I want is the information corrected to reflect what is accurate. As stated before, they have not updated since I filed for bankruptcy. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting late payments in XXXX 2024. I have sent copies from my account generated by them as proof payments were made. The minimum payment is {$250.00} I paid {$400.00} on XX/XX/year> and {$440.00} XX/XX/year>. Attached is my statement for XXXX and also XXXX. No payments were returned and I paid above the minimum payments, which is listed on the statement.
Product: Mortgage

Several months ago I fell behind one payment on my mortgage with CCO. I made a payment arrangement to divide that payment up into 6 payments due at the end of the month, instead of the beginning. For the last 4 months I have been paying as agreed and even paying a late fee monthly for the missing month 's balance, while they continue to report me delinquent to the credit bureaus. On XXXX/XXXX/2015 I found out from my insurance company that due to changes I had made to my policy many months ago, my insurance dropped significantly. The overage had been returned CCO Mortgage months ago. I contacted CCO to verify this, and the told me my escrow account now had a surplus. I am upset because the company refuses to release that money to me so that I can apply it to the my negative balance, and they refuse to apply it to the negative balance themselves. Instead they are requiring me to pay off my balance before they will apply the excess funds in the account to my loan. I believe this is an unfair practice because if I had no balance they would return the money to me. I understand CCO not wanting to release the money to me, but not why they refuse to apply it towards my loan. This is simply a way for them to continue profiting from the late fees they are charging. If they were to apply the surplus to my negative balance, not only would I no longer be delinquent, I would still have a surplus. This is also affecting my credit, as they continue to report me to the credit bureaus as late every month until that one month I was late is paid in full, even though I have been paying my payments as agreed in the payment arrangement.
Product: Checking or savings account

Someone had logged into my credit karma spend account changed my phone number, ordered a new debit card on XXXX XXXX multiple transactions were made on my account. Also when tax advance was deposited in my account on XXXX XXXX XXXX thats when credit karma locked my account. They stated they dont know what caused my account to lock and that my account is being handled by a specialized team. That the specialized team cant be reached on the phone they only can be reached via email and be on the lookout for an email from them I havent received any information about my money.
Product: Credit card

Concord Credit Inc. sent a Mastercard to me and it arrived via USPS yesterday XXXX. I made several purchases and the card has a limit of {$300.00}. The amount of credit I used to purchase a number of items totalled less than {$300.00}. 

The next day today this morning I walked to a local merchant store to purchase a XXXX XXXX and a package of XXXX XXXXXXXX XXXX. The lady at the point of sale was unable to honor the financial transaction. Sometime last night Concord Credit Inc.for unsaid reason except their stat reasoned she said " was. marked as miscellaneous '' l. I asked he what that was supposed to mean? She replied " You may re-apply for a new account online on our website. '' I asked " Since you already my information on front of you on your computer why not re-apply now over this phone call? ". She first said, " Noand then said, " yes '' however ~ referred back to their website and refused to help their customer on the phone ~myself. She also XXXX included a letter via USPS was already written and on its way via USPS to my mailing address. I let her know during the phone call I would be filing this CFPB complaint against Concord Credit Inc for being unfairly arbitrary to their customer.
Product: Credit card

In accordance with the fair credit reporting act this creditor had violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy. 15 USC 1681eecrion 6 0 4 a section 2 it also states a consumer agency connot furnish an account without my written instructions. Under section USCS 1666b a creditor may not treat a payment on a credit card account under an open end as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX In : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX 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 an 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish 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.