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

I am cosigner of my daughters Sallie Mae account. My daughter always made payments in good standing She went into a special plan in XX/XX/XXXX due to loss of job and made payments every month until In XXXX of XXXX payment was 2 days late and sallie mae refused to take payment. Response from sallie mae was call back account was not in collections. Sallie mae would not respond to repeated attempts to take paymemt and sent account to collections. My daughter and I each have {$10.00} XXXX to sallie mae and that is not even the correct amount! I am XXXX XXXX XXXX and had great credit. I have a mortgage since XXXX in good standing and purchased a car last year. Sallie mae has pretty much ruined my life!!!! Please who can help. Thank you
Product: Credit reporting

I filed a chapter XXXX and a civil judgment is still being reported on my file
Product: Debt collection

I have to accounts opened within 30 days of each other XXXX. XXXX XXXX ( XXXX with Midland Credit Management ) # XXXX XXXX. XXXX XXXX  ( Currently with Midland Credit Management ) # XXXX I have disputed the collections since I have ( to my knowledge ever opened these accounts ) i am in the process of buying a home and i am taking the actions needed to document these accounts that i do not agree with
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax had violated the FCRA Section 1681i They refused to provide me with any proof And they never do a reasonable investigation they credit bureau dont care about consumer!

They will respond to the cfpb cuz they have to responde to you bout just to make you feel they are doing there job bout they are not the will show proof that this unverified account still on my credit! Bout they have response to you they are w
orking on it bout they are not!

Just need this of my credit and nothing more.

They will tell consumer creditor has verified account bout is not true all dispute go to a eoscar system and the computer do everything automatically. That they do investigation is not true.
Product: Vehicle loan or lease

I was not notified of my right to rescission as required by law under 15usc1635. I would like to rescind this transaction, retain possession of the property, and receive compensation for payments/ down payment sent to this company. in accordance with the law.
Product: Credit reporting

Commonwealth Financial has added several bogus collections to my XXXX & XXXX reports. They have never communicated with me regarding any of the listed items. I 'm 100 % certain these are fraudulent charges.
Product: Debt collection

It is bewildering to note that while other credit bureaus have diligently conducted their investigations and corrected the inaccuracies on my credit report, your bureau seems to be lagging behind. The disparity in reporting among credit bureaus has created confusion and frustration, as I am left to grapple with inconsistent and erroneous information that is negatively impacting my credit standing. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I insist that your bureau immediately rectify the reporting of late payment dates to accurately reflect the status of the accounts. Other bureaus have successfully acknowledged and corrected their errors, and it is imperative that your bureau follows suit to ensure fair and accurate reporting. The presence of conflicting information on my credit report, particularly regarding late payment dates, is not only misleading but also damaging to my financial reputation. I demand a swift and thorough investigation into this matter, with the immediate removal of the inaccuracies and the updating of late payment dates to accurately reflect the current status of the accounts. 
CITIZENS BANK XXXXXXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
CITIZENS ONE HOME LOANS XXXX XXXX- PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand that errors can occur in the investigation process, but it is essential that your bureau takes immediate action to correct these discrepancies in compliance with the Fair Credit Reporting Act ( FCRA ). I insist on receiving written confirmation of the resolution and the updated credit report without any further delay.
Product: Debt collection

Portfolio Recovery XXXX Not sure what they are looking for but I am tired of being bothered day in and day out every day being harassed with phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Chime XXXX XXXX about my Money I have put towards my credit every week! XX/XX/2021 and my identity has been used by an authorized person and purchased devices etc in my name money off my credit cards and also my XXXX stimulus in XXXX has been also taking away from me through my Chime account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had a credit card with Capital One since the year XXXX. Capital One is reporting several accounts to the credit bureaus settled in the year XXXX. I did not have this many accounts with capital one. 

When does the write offs leave the credit reportings? These credit card companies have been reporting write offs since the year XXXX. I want the write off removed from my credit reports. It has been over seven years. It is over seven years and the write offs should be removed. My credit score has been destroyed for many years. I made a settlement with these companies and they are repaid through credit torture. It is seven years over the time and I want the write offs removed.
Product: Mortgage

I have been trying to save my home for months now and the only excuse I got was they never got my request and then I had my counselor help me but they continued to give me the run around. They didn't even want to open the review. He opened an escalation as the Office of the President with Wells Fargo and had XXXX XXXX assigned to find out what was going on. Well XXXX  was no help! We kept asking for a phone call and no one called. Anyone can write down on their notes and say they called but no voicemails were left or anything. They have also let my documents expire and I have to continuously submit new documents.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that all 
accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c2(a) and FCRA  605(b). These accounts were opened fraudulently without my authorization and 
I request their immediate removal.
The accounts in question are:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Debt collection

When my credit was pulled on XXXX it came to my attention that there where XXXX medical collections reporting from the same collection agency that I was completely unaware of. I had XXXX XX/XX/XXXX and received numerous medical bills which I was under the impression I had made arrangements or paid all of these in full when they were received. Never did I receive any notices from any collection agencies or that would 've been an obvious sign they were n't paid and I would 've paid them. When my wife called this collection agency on either Thursday or Friday of last week, she asked if they had ever sent me notice of either of these supposed debts and the representative responded stating they had never sent anything but the hospital did so they do n't have to. She also stated they had just sent XXXX of the collections back to the hospital so they no longer had it anymore but the other they did have and I needed to pay it. I was under the impression however that they have to send notice giving the consumer 30 days to dispute the validity and to request verification. Without sending that notice, it was illegal to report the account on my credit report. I was also under the impression that 5 days after the first point of contact, they had to send a letter and it 's now been 7 days and I 've still yet to get anything from them. I 'm unsure as to whether this debt is truly owed or not because I 've not been given the appropriate time to investigate the account per law and being that I 've paid so many of these bills, it 's quite possible it has been paid especially since there were obvious mistakes with the XXXX collection they supposedly sent back to the hospital. If the debt is truly owed, I have no problems with paying but I do feel that the correct procedures need to be followed so that I could 've paid it to prevent it from hitting my credit report and I was not given that opportunity.
Product: Checking or savings account

In early XXXX I opened an account for my small business with Truist bank. I deposit our checks daily through an e-check verification company called XXXX. Once we opened the account we deposited a little over $ XXXX into that account. That's a lot of money for us being a small business. They put the deposits on a standard 7 to 10 day hold which I understood. The day before the funds were to become available, I called to confirm and was informed that my accounts had been frozen and we were under a check fraud investigation. XXXX of the checks was from a title company and because of their positive pay system, they stopped payment on it. I spoke to the title company, and got confirmation by email which I sent to Truist of the reason that they stopped payment. I answered every question that they had. Then at the end of XXXX I received a letter from Truist stating that they no longer wanted to continue the banking relationship and were closing my account which was more than fine with me. There isn't a branch in my state and they offered no solutions on how to get my money back. I was told I have 7 days to bring my account positive if it wasn't. Well it was positive $ XXXX. I called again and was told that because of thebway we do deposits, that our funds were going to be held until the end of XXXX. I spoke with our customers and confirmed that those funds left their bank accounts a day or so after I deposited them. I even had a lawyer draft a demand letter and they are saying that they never got it. I can not speak to anyone that will help me or do anything so that we can get our money back. I've told them that as a small business, that after being ope. For over 20 years that if they held our funds that we would have to close. They don't care and refuse to offer any solutions. It's almost XXXX and they still won't release our funds or tell me anything other than the account is scheduled for closure in XXXX. I dont even know if they will give us our money then at this point. I need help getting this money or I will lose everything. We did nothing to deserve this.
Product: Debt collection

The company contact my cousin at her home number and left a message stating that the call was in reference to a debt collection. I do not know where they received the phone number. I do not even know her home number ( only her cell phone number ). My cousin called back and they stated they were looking for me regarding debt collection. My cousin is very upset these people are calling her. I called the company and they are collecting a debt and have my cousin 's address. I have been staying there since XXXX 2015. I have never given any XXXX the number for her home ( again I do n't even know the number ). The fact that they called a number that is not listed in my name or even in a name with the same last name, a number I never provided them and left a message they were a debt collector and gave my name to my cousin is a breach of privacy. I have signed no XXXX party authorization and I did not provide the contact number they called. I asked the company to provide the paperwork I complete providing this number to them and they hung up on me. I believe they got the number from an internet search.
Product: Credit reporting or other personal consumer reports

I am writing to address discrepancies on my credit report that require immediate attention from your agency. Specifically, I am disputing the following accounts : XXXX  XXXX XXXX and XXXX XXXX  XXXX. My dispute stems from the lack of sufficient information provided by your agency to validate the debt associated with these accounts. 
It is worth noting that both XXXX and XXXX, reputable credit bureaus, have already rectified these inaccuracies in their records after identifying errors. I find it perplexing that your agency has not taken similar action despite the discrepancies being acknowledged by other bureaus. Therefore, I urge you to promptly correct these accounts in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable.
Product: Consumer Loan

Wells Fargo Dealer Services has continously overcharged for the auto loan on my 2006 XXXX and kept me uninformed about details of my loan and its terms. 

1 ) I just found out from a wells fargo dealer services representative that I was assessed/enrolled in comprehensive auto insurance through the Auto dealer XXXX at the time of the purchase as part of the reuirement to qualify for the loan..At the time of the purchase I was not informed of this requirement. I was alo asked to get a second comprehensive insurance for the duration of the loan which I also purchased independently. In essence I was asked to carry XXXX insurance policies on the same auto. 

2 ) In reviewing my loan payments it appears my interest rate on the loan was raised without any notification. Wells Fargo Dealer Services reps have been extremely rude when inquireing about my loan issues and very uncorporative with information about the details of the loan and its terms. 
3 My car was reposessed after only one month late on my loan payments. Fees and charhges for repossession, storage and penalties appear to be excesive. 
4.Wells Fargo continues to charge for auto insurance ( wells fargo insurance ) even though I have comprehensive insurance on the my vehecle and have notified them of it. 
. 
If and where there have been deliberate overcharging and exploitation I want a refund on the overcharges and excesive fees.
Product: Credit card or prepaid card

35 years I had trust in USAA The financial advise all set up as a trusted relationship My ex was XXXX XXXX XXXX and back then USAA was trusted NOT TODAY USAA has been fined millions  Please answer USAA, Do fraud claims have claim numbers? Do disputes have claim # s Yes or No?

I have been told Disputes have claim # s fraud does not Please answer USAA, on the FRAUD claim letters attatched. with claim # XXXX IS THIS MY MEMBER NUMBER? Why do MY FRAUDS HAVE CLAIM NUMBERS? Why no resolve? 
Why do the letters decieve saying no further action is needed? PRETENDING TO MEMBERS A STRONG TRUST THEY MUST HAVE IN USAA TO PURSUE THIS FRAUD CLAIM USAA says NO FURTHER ACTION NEEDED BY MEMBER Then turns fraud into duspute. For a year and a half I was decieved into believing USAA WOULD RESOLVE FRAUD. This is an Antitrust Issue of ** NO TRUST. ( USAA NEVER RESOLVED ANY FRAUD I REPORTED AND REPORTED FRAUD I DID NOT REPORT TO CREATE CREDIT REVERSALS ) USAA IS EXTREEMLY DISHONEST FOR EXCESSIVE PROFITS USAA BOASTS IN ZERO FRAUD LIABILITY and they provide No Protection for Frauds LEAVING CONSUMERS WITH MORE FRAUD LIABILITY ALL MERCHANT CREDITS AND ALL ADJUSTMENT PURCHASES turn into New Purchases a year later ADDING MORE FRAUD TO ACCOUNT I DID NOT PURCHASE USAA has changed all my fraud I REPORT into disputes and put fraud investigation adjustments I DID NOT report fraud Because Merchant credited the account. Adjustment Purchases do not apply as Permanet credits however, USAA CAN CLAIM TWO CREDITS for a credit reversals Please answer USAA HOW CAN YOU PUT CREDIT REVERSAL/ NEW PURCHASES ON ACCOUNT WHEN USAA CLAIMS NO FRAUD EVER OCCURRED? 
Temporary credits/ Adjustment Purchases MUST BE MADE PERMANET TO APPLY USAA PROFITS FROM FRAUD with Credit Reversals Informing consumer NO FURTHER ACTION IS REQUIRED They never credit usaa credits to cover frauds
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

There is a fraud alert on my account with the three credit bureaus
Product: Money transfer, virtual currency, or money service

Coinbase locked me out of my account and after over 100 attempts to contact them via telephone and multiple online support efforts, my cryptocurrency wallet is inaccessible and I have exhausted all efforts to resolve this issue. I'm willing to provide a passport, bank account information, a driver 's license, or travel to their XXXX  headquarters to resolve this matter! Many of thousands of my dollars were placed in the hands of Coinbase, supposedly the most secure and safe wallet in the industry. I feel violated and I'm devastated! This is THEFT!
Product: Debt collection

I informed the company by written notice and verbally that I am a victim of identity theft and as a result this account was fraudulently opened to obtain a apartment. I have made countless attempts to reach out to them however, they have failed to respond to my verbal and written notices, instead they sent my account to collection without giving me the opportunity to dispute the debt. The amount of debt Rent Recovery Solutions, LLC claim I owe is {$3200.00}. The account number is XXXX. No one answers the phone, after I am prompted to click option 2, the phone hang up. 

I have sent letters such as Identity Theft Affidavit, FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible.

also enclosed a copy of the FTC 's Notice to Furnishers of Information which explains their responsibilities when reporting information to CRAs. PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible. I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account. 

I requested to close the unauthorized account, remove charges on the unauthorized account, and take steps to remove information about this account from my credit file. I also ask for written documentation.
Product: Debt collection

Dear Collec

tion Manager, I am disputing the debt you claim I owe, as it appears on my credit report ( s ). Under the FCRA ( 15 US Code 1681S-2 ) and FDCPA ( 15 USC 1692 ( j ) ( a ) and 15 USC CODE 1692g ), I request validation of this alleged debt. I am unaware of its origin and require complete evidence proving its legitimacy. Additionally, I believe there are violations of 15 USC 1681a and FCRA Section 807 regarding misleading and false reporting, as well as violations of 15 USC Code 1681b and 5 USC 552ai3.

Please provide : 1. Proof of my agreement with this debt, signed by me.

2. Evidence of the accurate and legally valid claimed amount, including statements and payment history from the original creditor.

3. Confirmation that this account falls within the Statute of Limitations.

4. Documentation proving your ownership of this account, including the contract and terms with the original creditor.

5. Verification of your legal authority to collect this debt in my state, including business license number ( s ).

Failure to provide this information would violate the FCRA and FDCPA. Until validated, please remove this account from all credit reporting agencies and cease any collection attempts. 

Sincerely, XXXX XXXX XXXX XXXX