23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing to dispute the student loan balance of {$8700.00}, which was disbursed on XX/XX/year> ( {$6400.00} ). I withdrew from the course and never accepted the loan. The loan was sent directly to the school, and I did not receive any amount or benefit from it. 

Furthermore, I believe this loan should have been forgiven under the COVID-19 Act. I respectfully request that you take immediate action to correct this error and forgive the loan in its entirety.

I would like to bring to your attention that this account has a negative remark on my credit report, which is affecting my credit score. I respectfully request that you close this account on my three credit reports ( XXXX, Experian, and XXXX ) and remove any negative information related to this loan. 

Please investigate this matter and take the necessary steps to resolve this dispute. I would appreciate a written response within 30 days, confirming the actions taken to correct this error. 

Thank you for your prompt attention to this matter. 

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

IC Systems is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid this debt off. I never received any phone calls, notices, or letters about this debt and that violates my 30 day right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to Equifax and to XXXX XXXX and BANK XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Product: Debt collection

They sent me a letter - we told them many times that this is not mu debt but they will not stop.
Product: Credit reporting or other personal consumer reports

Why did your company sell my information without my consent either verbal or written to Andrews and Cox P.C. d/b/a also know as XXXX XXXX XXXX XXXX XXXX XXXX Andrews attorneys at law for a charged-off debt that you filed on taxes in XXXX and never sent me a 1099c as per FDCPA. Furthermore this company is very misleading stating you are there client? Did you sell a charged-off debt or are you being represented by this company as per the included letter I received for that company. I am sure you are aware this is a violation? This account was reported as a collection/charge-off. The reporting of this accout is incorrect as there is showing a balance of {$2600.00} on a charged-off account as of XX/XX/XXXX. Under the FDCPA 15 USC 1692g debt validation, there are numerous violations to your account and account reporting. Per the documentation submitted with this complaint, you will see the dates of the original creditors charge-off account with original alleged debt amount as well as the new increasing monthly debt? Also, the fact you are showing representatives as a law firm and not a debt collector is very misleading! Also, it is a violation of the FDCPA, I do believe. I would like to also know the exact nature of the increasing fees on the debt since the new reported debt by your company is showing from {$2900.00} to as high as {$3200.00} in the letter your company just sent? These discrepancies are gounds for dismissal alone. Furthermore, my income is protected as that it's all XXXX income that is uncollectable for debt. This is easily verified. I have never received a 1099c from XXXXXXXX XXXX XXXX for the debt charge-off, which makes this income, which, at this time years later is also a violation. AlsoI urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given. I do believe that the status of this accout is incorrect and that I have proofed that with the included documentation. Also as per tge provided documentation can you explain how you can just change a charged-off original date of XX/XX/XXXX to now relect XX/XX/XXXX? Again repirting incorrect information which again is a violation. I am giving you the opportunity to delete this account from your collections as well as from all three credit reporting agencies before I request litigation to show all the inaccuracies and misleading representations as well as the fess that are accumulating on the account with the numerous total amount due balances on a charged-off account. I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters. 

ATTACHMENTS
Product: Credit reporting or other personal consumer reports

I opened a complaint with the XXXX  back in XXXX after an unknown account was on my credit. XXXX companies never responded to the XXXX  and so I took it to the credit bureaus. I provided Experian proof the company never responded to the request since XX/XX/year> and I never received any documentation of proof from the debt. Experian received all my documents to remove the debt as the company has violated the credit reporting act by not sending anything to prove the debt. Experian received all my documentation and did nothing. I also asked them to remove inaccurate information that is not on my Government issued ID and they did nothing. I will upload all the documentation sent and received and nothing done
Product: Debt collection

I received a call today from ( XXXX ) XXXX. She stated her name was XXXX XXXX and was calling with Check Systems/Consumer Report Agency about fraudulent activity on a XXXX XXXX account. She stated I needed to call her back immediately or have my lawyer call her. My father also received the same call and she threatened him with begin served if he did not make sure I called them back. They gave me one file number and him a different one. I know this is a scam and want it to stop immediately.
Product: Checking or savings account

I filed for unemployment with the Illinois Department of Employment Security in XXXX of XXXX. In XXXX of XXXX my former employer contested and I have been appealing the decision. As of XX/XX/XXXX a decision was made and I was granted benefits. I was given a lump sum payment for XX/XX/XXXX - XX/XX/XXXX that I did not receive while I was waiting on the appeal for a total of {$22000.00} that was sent to my Chase account on XX/XX/XXXX. I did receive two additional payments from IDES that were sent after the lump sum payment. I called Chase twice as well as IDES to figure out where the payment could have gone and neither had an answer. Today, XX/XX/XXXX, I wake up to a notice from Chase that my account is being closed and that Chase will be severing their relationship with me. I can only assume it is because they assumed that the {$22000.00} payment from IDES was fraud. This is the only major account that I use, all of my bill payments are connected to this account. I am now at risk of being kicked out of my apartment and my bills not being paid at the beginning of the month because Chase never thought to contact me on this issue to verify the payment. This is negligent on Chase 's end and I am seeking immediate assistance with this matter. I have attached documents from IDES to further prove the validity of the payment. Please contact me as soon as possible. I need immediate access to the payment that I did not receive from Chase of {$22000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. Agreed to delete their credit line off of my credit report. Since then they have deleted it from XXXX and XXXX, TransUnion is still showing this report. ive mailed certified dispute letters to XXXX XXXX XXXX XXXX, and since I have received a certified letter from their lawyers, stating that they will delete this tradline from all credit report agencies. I have sent a certified letter to TransUnion and disputed this already.
Product: Credit card or prepaid card

Text of my XX/XX/XXXX letter to Card Services, XXXX XXXX XXXX, XXXX, DE XXXX [ XXXX  Mastercard ] : I am writing about the fraudulent transaction referenced above. I have spoken by telephone with your customer service operation on at least six occasions. Twice I spoke with agents identified as members of the fraud unit. I was told that the referenced transaction was one of a series of fraudulent transactions posted to my account in a short time frame. Although I was assured that the transaction should have been credited along with the rest, and that it would be credited, you have not reversed the transaction and continue to charge me interest on it. The other suspicious transactions have been credited. Your representatives have told me that your failure to credit the transaction was an error. You have told me that your investigation determined that the transaction was invalid, like the others I have described. I relied on those assurances, but you have not made good on them.

I am enclosing copies of two letters I received from you about this activity. In your letter dated XX/XX/XXXX, you told me that " the fraud investigation has been completed '' with a determination that I was not responsible for the activity. Curiously, you then sent a letter dated XX/XX/XXXX, which stated that " suspicious activity '' was " pending investigation. '' Your mis-handling of this matter is disturbing and could itself be viewed as fraudulent. If within 10 days of your receipt of this letter the disputed item is not credited, along the interest attributable to it, I intend to file a complaint with the Consumer Financial Protection Bureau, and with any other agency possessing jurisdiction.
Product: Debt collection

Enhanced Recovery is attempting to collect upon a fraudulent debt and listing the account illegally on my credit reports. They received correspondence from me via certified mail XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. They have refused to reply with validation and have broken 209 CMR 18.17 in that they are illegally reporting under their own name to the bureaus. 
This account needs to be immediately removed from my credit reports.
Product: Checking or savings account

On XXXX XXXX around XXXX in the XXXX  I was robbed XXXX XXXXXXXX  by XXXX men and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, when I woke up XXXX XXXX XXXX XXXX XXXXXXXX  and I couldnt remember much of what happened, but after the surveillance video I was reminded of the traumatic events that occurred. After a few days of recovery, I was able to get a new phone and upon checking {$6900.00} was stolen from account and sent to another hacker on cashapp from the phone that they stole from me, I have filed a dispute and submitted all evidence and Im still not seeing my money!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681section 602 states, I have the right to privacy. 15USC 1681section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is the second time I've sent a letter to the credit bureaus to correct this erroneous information. I will file a lawsuit against you because I think you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm discussing it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom it May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
According to the FCRA 15 USC 1681 it states that as the consumer I have the right to Accuracy and Fairness of credit reporting. 
I reported the theft of my identity to the Federal Trade Commission, and I also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Money transfer, virtual currency, or money service

I tried to transfer funds from m y Merrill accoun t to Bank of America checking account. On  XXXX   XXXX , I us ed Merrill Edge o nline to sell shares and transferred cash  to BofA using their 3-4 day free wire transfer system. One week passed, there was n't any money transferred.    I calle d to Merrill to find out and they explained to me that BofA required more information for the transfer to complete. Previously, I had no problem doing the same transaction. But now they need more information. They asked where I was born, my citizenship, and how do I intend to use the money. As ridiculous as it is, to transfer my money from one bank ac count to the other, I answered all the question. Money did n't get transferred until  XXXX   XXXX . Bank of America also charged me {$16.00} wire transfer fee. I call ed Merrill about the fee, they answered it 's BofA who charged it so Merrill is not responsible. I called BofA about the fee and after long wait, they answered that it was an international transfer so they had to charge it. They found out that Merrill send mo ney to  Merrill   XXXX  and re-routed  to US. It   was huge inconvenience that I was not able use that money on time and headache to call around to get my money transferred.
Product: Credit card

I applied for XXXX XXXX in XX/XX/scrub>XXXX XXXX approved for {$2500.00} for dental services at XXXX XXXX in XXXX, Tx. XX/XX/year>, they charged the full {$2500.00} without any services rendered, but I still paid the monthly amount as to not ruin my credit. In XXXX I disputed the charges, and the charges were reversed back to the {$2500.00}, then dropped to {$250.00}, but I am due a refund of {$370.00}. I spoke with an agent on XX/XX/XXXX, and she stated my refund would be received within XXXX business days. I called XXXX XXXX on XX/XX/XXXX, stating that I hadn't received my check, an agent stated they would send out another one, but they would expedite it, so I would receive it within XXXX business days. I contacted them on XX/XX/XXXX, and the " manager '' stated the check was not sent out on XX/XX/XXXX, due to it looking like a double check. So, she stated it would be sent out on XX/XX/XXXX, expedited. I contacted them today on XX/XX/XXXX, and they stated it was not sent out expedited, so it will be another XXXX business days. I asked to file a complaint with a manager on XX/XX/XXXX, but he didn't type anything that I was saying, he only said, " I'm sorry, but you'll get it soon. HORRIBLE CUSTOMER SERVICE!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX and it was closed immediately. I submitted a complain again last XX/XX/XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can CFPB closed this complaint and said it has already processed earlier complaints about my problem. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
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 information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to issue a final demand for the removal of the remaining inaccurate and negative accounts still being reported on my credit report. Despite multiple attempts to dispute these items and request their removal, these accounts continue to be inaccurately listed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

XXXX   XXXX   ca n't link to my bank which is Bank of America