23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I got a student loan through XXXX XXXX XXXX XXXX to pay for a 12 week XXXX XXXX course through the XXXX XXXX. I did not receive the 12 weeks of XXXX XXXX education, job assistance, and the certificate that I paid for. I believe the XXXX XXXX is a scam and a fraud.
Product: Debt collection

I requested to validate the alleged debt on   XXXX     via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me.  Collection Bureau   of Ft. Walton Beach re ceived the registered letter on  XX/XX/2017   . I received the attached documentation on   XXXX   XXXX   XXXX     as verification of debt, however, the documentation does not include a copy of my signature with the provider of the service to release my medical information nor a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided. Therefore , Collection Bureau of Ft. Walton Beach has not verified the alleged debt and is illegally reporting an invalid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, XXXX, # XXXX has violated my rights. 

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

15.U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from XXXX XXXX XXXX XXXX  has been listed on my report without my authorization, and upon reviewing the matter, I believe that XXXX has not adequately investigated this inquiry. 
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing with these companies regarding my accounts. They don't wan na get them off. Can't get a house or car. Need help
Product: Credit reporting, credit repair services, or other personal consumer reports

AnnualCreditReport.com is refusing to provide a free weekly ( through XXXX ) credit report via their website, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, my information was expoused through the XXXX XXXX XXXX and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interes and has diminich my ability to get credit. 
Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly collections on the following : XXXX XXXX XXXX/XXXX XXXX XXXX, Account number XXXX, Amount Due : {$4900.00} XXXX XXXX XXXX, Account number XXXX, Amount Due : {$1100.00} XXXX XXXX XXXX/XXXX XXXX XXXX, Account number XXXX, Amount Due : {$720.00} XXXX XXXX XXXX, Account number XXXX, Amount Due : {$330.00} ( Please see pages 3, 4, and 5 of the attached credit report. ) I have also attached a copy of the NOTICE OF DEBT from XXXX XXXX dated XX/XX/2019. This bill is not only incorrect, it was sent to a family Members address, but has my name listed. This is a complete violation of HIPPA. In addition, this attempt to collect these debts are completely bogus. I have now, and have had in the past, medical insurance coverage. There was never a gap in my insurance. This is clearly a billing issue and is not my fault that the medical facilities never billed correctly. I did not incur these outstanding balances, nor do I owe these outstanding balances. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.
Product: Debt collection

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ) 15 U>S>C> 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau CFPB have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within XXXX days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request XXXX : 1. Conduct a thorough investigation of the following disputed accounts or items : 2. Provide me with all documentation used to verify the accuracy of the disputed information 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Debt collection

I received a letter from I.C. Systems on XXXX/XXXX/16. My bankruptcy was filed on XX/XX/2016 and discharged on XX/XX/2016. I called spoke with Rep at I.C. made them aware of the bankruptcy provide attorney name and number. Fast forward to XXXX/XXXX/16 I was preapproved for an XXXX from XXXX XXXX XXXX was due to pickup on XX/XX/XXXX. On that morning I received a credit update from XXXX XXXX making me aware my score had dropped by over XXXX points. It was I.C. Systems and XXXX XXXX XXXX. I called the company to see why this happened and although my account notes notated that I called to report the bankruptcy. They proceeded to attempt to collect the debt anyway. I lost the vehicle due to the damage done to my credit report.
Product: Bank account or service

I had an account with PNC Bank. I was given checks by a family member, which I then deposited in each of my PNC accounts ( Spend, Reserve, and Growth ). Then, I was informed by the family member that he thought he grabbed the wrong checkbook, and used one of his old accounts. So I knew the checks would be returned. I called PNC to notify them and also stopped into my local branch to notify them. I had used {$200.00} of the funds made available immediately. However, the bank had placed a hard hold on my account when I found out as I tried to deposit {$500.00} through the ATM to make sure that my account did n't go into a negative balance. The ATM would n't allow me to make the deposit, so I stepped inside the branch to do so. I asked the bank employee to make a deposit in each account and she told me that she would just deposit it in the spend account ( which did not have a negative balance ), and transfer it over to the other XXXX eventually. After a few days, the money was still not transferred over and the bank had started charging me c '' continuous overdraft '' fees of $ XXXX per account. I contacted the branch and they reversed the fees. However, on the day after the reversal, the bank charged me continuous overdraft fees once again, then closed the account. When I called the branch to tell them, they said they ca n't do anything about it because it 's closed and offered me a {$20.00} stop & shop gift card. When I spoke to their closed accounts department, they told me they ca n't reimburse me because they already gave me courtesy reimbursements. Now, I would never have in tired those fees if they 1 ) had n't put a hard hold on my account, and 2 ) the bank employee was n't too lazy to write out XXXX deposit tickets so I could make a deposit in each account. I do n't mean to make a XXXX over {$14.00}, but there 's no reason they should have it for something that was in their control. I had enough funds in my spend account to cover the negative balances of the other XXXX accounts, but they would not transfer it over.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXt # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts reporting on my TransUnion Credit file one is with XXXX XXXX and they agreed to remove it yet it is still reporting with a XXXX balance. The other account is XXXXXXXX XXXX XXXXXXXX. I had disputed it several times even contacted XXXX directly to try and get it paid off just to be done with it and they said they could not find any account under my name. So how is TransUnion reporting the information if the company can not even locate it when I speak with them?
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to XXXX Credit Bureaus last XX/XX/2023. And now we are in the month of XX/XX/2023 and still nothing from them. That means XXXX Credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS ACCOUNT IS STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My information was exposed from A data breach and I FTC complaint was filed ref number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Santander has been reporting account below status as a charge off for the past 5 years but never received 1099-C for this bad debt charge off. Failure to provide that documentation for this account is a violation of rights under FCRA and is causing harm. 

Account XXXX  XXXX Attached is reporting payment history
Product: Checking or savings account

Unauthorized charges that were made on my account. The following charges were not authorized, and the company just took the funds out of my account : XX/XX/23 : XXXX XX/XX/23 : XXXX XX/XX/23 : XXXX XX/XX/23 : XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX- The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX. XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries XXXX. XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/year>, XXXX XXXX XXXX ( Bank ) XX/XX/year>, XXXX - XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX  XX/XX/year> - This inquiry was not authorized, please remove it from my credit report immediately
Product: Debt collection

Professional Account Services has been harassing my wife and I over a hospital bill that we are currently disputing with them because the state of Florida should be paying via retroactive medicaid. This bill is from XX/XX/2020 when I was laid off due to Covid and my son was born. Insurance paid their portion, the rest was supposed to be submitted by the hospital to the state of Florida for medicaid to cover. The hospital failed to do so and failed to notify us either by mail or by phone for six months after my son 's birth. When they finally did notify us, it was to tell us that the outstanding balance of over {$5000.00} was being sent to a collection agency. My wife and I have been going back and forth between the hospital and the state to solve this problem but the debt collection keeps calling and has used aggressive and abusive language towards my wife and has been calling every few days at random hours and while I'm at work.
Product: Credit reporting or other personal consumer reports

Between XX/XX/2023 and XX/XX/2023 Equifax has reinserted an inaccurate account transaction from XXXX XXXX XXXX. I have first hand knowledge that the account transaction is a result of identity theft and is inaccurate. 

Equifax failed to provide me with certified proof that the transaction is accurate. 

I am exercising my right under the FCRA to a reasonable reinvestigation. If Equifax can not provide documentary evidence that the transaction is accurate, it must be promptly deleted from my credit report and file within 15 days. 

Equifax 's actions are negatively affecting my family.
Product: Debt collection

I contacted XXXX XXXX to request internet service at my residence. Prior to receiving service, I discovered that I already had internet available at my home, so I called to cancel with XXXX XXXX at XXXX XXXX on XX/XX/XXXX. The person I spoke to said she could n't cancel because the account had not been established yet. Soon I began receiving bills in the mail from XXXX XXXX. Somehow in this process two accounts were established for my same address and only one was cancelled after may call ( I did not discover this fact until a talking with XXXX at XXXX XXXX on XX/XX/XXXX ). I later spoke with XXXX on XX/XX/XXXX after receiving another bill and she assured me that my account had been cancelled. When I continued receiving bills from XXXX XXXX for varying amounts, I began calling again. On XX/XX/XXXX I emailed my complaint to XXXX XXXX and was told to contact the Retention Department. On that same day I talked with XXXX at the Retention Department. I was told the issue was solved on her end but to wait for an email from Collections confirming the account was cancelled ; I never received the email. I then received a collections letter dated XX/XX/XXXX for a " Balance due : {$160.00} '' After consulting the Better Business Bureau website, I was directed to a telephone number supposedly for XXXX XXXX XXXX " Executive Escalation Team. '' I called the telephone number listed on the BBB website on XX/XX/XXXX. It was their normal business phone requiring extensive hold time to make contact with someone who could help. I finally reached a supervisor who told me that my account was with the " Legacy Division '' and they transferred me to a non-USA office where I talked with XXXX, who found no reference to my complaint but told me she had made a billing correction and that I should receive confirmation of her actions from XXXX XXXX Collections in 3-5 business days - I never received confirmation. I then contacted XXXX on XX/XX/XXXX at XXXX and she discovered that two accounts had been made in my name. She told me that she was able make an adjustment to resolve the two-account issue. On the same day I also called and talked to XXXX XXXX at the collections agency and was told that he would " escalate '' my call to notify XXXX XXXX of my dispute and that I would receive a response back from the collections agency regarding XXXX XXXX reason for the bill. I have yet to see a response.
Product: Debt collection

Account Number:XXXX  Current Creditor : XXXX XXXX  Unit : XXXX Balance : {$1000.00} I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies For months, I have been charged bongos charges for moving out the home I once occupied at XXXX XXXX XXXX  XXXX, Alabama XXXX, and after looking at the itemized charges that was sent to me I believe I have located the issue. I paid my rent on time faithfully every month, The last month I stayed I was quoted a bill for over {$2800.00}, I inquired about it and was told that it would be adjusted once I moved, I moved out on XX/XX/year>, I sent videos, text, and email to your department as advised to let everyone I was evacuating the home. I was told your department 60 days prior of my intent to vacate the home, I was charged on my bill {$1500.00} I sent emails to provide that I notified your department of my family plans, I received another email stating that the {$1500.00} would be removed. 

Upon checking the itemize sheet that was sent to me I noticed that I am being charged {$1500.00} for rent for that month along with {$860.00} for that for rent for that month, I am being double charged when I only stayed little over half a month in XXXX. XXXX XXXX has taken my security deposit, which I should be receiving a refund rather than having a balance. I suggest that you take a deeper look into and issue the remainder of my Sercuity deposit. Im looking forward to hearing from you soon. 

I have all correspondence and evidence to support- Thank you
Product: Credit reporting or other personal consumer reports

i have never lived in XXXX, Kentucky and I have never used XXXX XXXX XXXX as my signature. Secondly, I cosigned for XXXX XXXX to help her purchase a XXXX XXXX. My wife has since been diagnosed with a terminable XXXX XXXX and we are handling matters as best we can. Our bills are astronomical from the hospital stays, XXXX  and XXXX XXXX  that she has required. She is XXXX XXXX XXXX  XXXXXXXX XXXX XXXX. There is no end in sight for her condition, ( except XXXX  ). So I have not been that involved ( or concerned ) about a purchase that my wife 's niece ( XXXX XXXX ), or how she's handled her responsibilities regarding her payment history. In fact I wasn't aware of what cosigning for her entailed, regarding my credit. If you review my credit report BEFORE cosigning for XXXX XXXX, you'll see that it was nearly perfect! 

I would be in favor of the bank reclaiming their property, but I don't know where she lives. She has since moved and blocked my number, so I can not contact her regarding how she's handling her affairs, and her payment obligations. 


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

XXXX  you have been informed several times to remove this and still will NOT what is the issue. I do not understand I WANT THIS REMOVED ATTACHED IS PROOF
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint # XXXX already submitted. One of my credit reports indicate late payments. Another credit report shows account settled for less than original amount. This account was paid and closed. Please see the attached documents from the creditor.
Product: Debt collection

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX posed as the attorney of TD Bank, U.S.A. , N.A . who engaged in misleading representation by filing a statement of small claim and notice without having prior consent to communicate with me the consumer in connection with a debt collection, a failure to comply pursuant to 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) and 1006.6 ( b ). The company also engaged in unfair practices by bringing an unauthorized legal action to consumer attempting to collect an alleged debt of {$3600.00} plus {$100.00} in court costs, a failure to comply pursuant to 12 CFR 1006.18 ( c ) and 1006.22 ( b ).