23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to convey my deep distress and growing frustration regarding the persistent denial of my identity theft claim by your bureau, despite diligently following the steps and procedures you have instructed. I was the victim & I'm 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Identity theft is a crime that wreaks havoc on the lives of its victims. It not only jeopardizes financial security but also causes immense emotional distress. To have my identity theft claims repeatedly denied, despite my compliance with your requirements, adds an extra layer of anguish to an already difficult situation. I want to remind your bureau that the processes you have established are meant to protect consumers like me from the devastating consequences of identity theft. Continuously refusing to acknowledge my claim contradicts the very purpose of these processes. 
I implore your bureau to recognize the urgency of this matter and the severe emotional distress it has caused. I have followed your instructions diligently and have submitted all necessary documentation. I have a right to a thorough and fair investigation of my identity theft claim.
Product: Credit reporting or other personal consumer reports

I HAVE AN XXXX XXXX XXXX  AND HER NAME ( XXXX XXXX ) ALONG WITH HER ACCOUNTS ARE REPORTING XXXX AND EXPERIAN CREDIT BUREAUS. 

THE ACCOUNTS ARE LISTED AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN CONTACTING XXXX TO CORRECT MY NAME AND SENT THEM PROPER DOCUMENTATION VALIDATING MY IDENIFICATION AND THE ISSUE HAS NOT BEEN RESOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX  XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  XXXX Account 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 states a consumer reporting agency can not furnish a 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I disagree with the results of the investigation on XXXX XXXX late payments. I have disputed the late payments on this account XXXX XXXX Everytime i dispute the dates that they claim i was late. I would get back an updated account with different dates being late. intead of acknowledging they have made a mistake and must update the late payment to paid on time. They just move the late status to another date. This is illegal, fraudulent reporting and wrong in every way. This has cost my family hardship and pain as i have had to pay rediculous interest rate on my car payment because of there fraudulent reporting. I have proof XXXX and XXXX of 2023 was not late. I have bank statements tp prove. see attached.
Product: Checking or savings account

I opted out of overdraft protection. 

XXXX electronic checks were processed at the discretion of the overdraft department ; which resulted in overdraft charges being incurred. 

The first one I deposited money to cover the overdraft. They still charged me a fee. 

The electronic check was processed first ; causing other pending items to further overdraft my account ; transactions that occurred while I had a balance to cover them, before the electronic check was processed. Timing of the posting of transactions. 

I asked them to reverse the payment of the electronic check and they said they could not. I asked for a refund of the overdraft charges and they said they could not. I have attached a copy of the chat ; where the agent gave me an XXXX number stating to call that to speak to their supervisor and that number is to an automated system. 

I do not think that a department should decide to let my account overdraft or not. If I do not have the money to cover it then reject the debit.
Product: Debt collection

XXXX has repeatedly called me and my husband everyday several times a day. I am being threatened about a fifth third bank account that they claim had transactions between the year XXXX. They explained that they sent mail to my address 45 days prior to the repeated harassment calls. I have never received any mail from this company I even checked my usps informed delivery to be sure something wasnt missed on my end and nothing was sent. Ive asked several times for details in regards to date and transaction of the debt theyve threatened to sue me about but they tell me they dont have information. Me and my family are being harassed and threatened by this number. Ive also attached my call logs and my husbands.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX XXXX  XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine PUBLIC  FILINGS US DIST CT XXXX not mine
Product: Student loan

To whom it may concern, I started XXXX  college XXXX of 2016. We were to move to Tennessee and i was was enrolled at XXXX XXXX college at the time and just about through my program for my certificate. XXXX wouldnt except my credits from XXXX XXXX and i felt extremely pressured to sign up the day i visited. We ended up not moving there so i asked if i could do online coarses. That turned into a big mess. I was paying for classes for brick and mortor and getting in trouble for not going to class for 2 semesters. I just dropped out. But the student loan is outrageous for 2 semesters plus XXXX XXXX. When i attended XXXX XXXX they had my fafsa so XXXX  up it took a long time to get my student loans federal and private. I had to sign i.o.u 's. 
Im afraid to go back to college because if my fafsa was put in so many times, brcause they input my ssn wrong i have only it has to be put perfectly or no fafsa ever again. 
Its taken me this long to find you to file a complaint, because every lawyer or financial ( college ) didnt know of any place that you could. 
Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled in a covid protection plan as of XX/XX/2020, and was informed that I can miss my home equity payments without negative reporting to my credit profile. Despite Chase 's promise to continue positive reporting on my credit, I was in fact reported late for the Month of XXXX. Despite missing XXXX, XXXX, and XXXX payments, ONLY XXXX was reported as 30 days, when in reality NONE OF THEM SHOULD HAVE BEEN reported as late on my credit as specified by the CARES ACT. I made all 3 payments on XX/XX/2020, bringing the account into a current status. I was promised that there would be NO NEGATIVE reporting what so ever. 

I was misled by Chase, and despite several request to correct the error, they are continuing to report erroneous derogatory infomration on my credit. 

Loan Number is XXXX
Product: Credit card or prepaid card

On XX/XX/2021 my account XXXX XXXX which was associated with my Cash App application was stolen with several transactions of {$100.00} totaling {$1100.00} which as of today I have not received any answer or solution. 

They hacked my account, changing my username to somebody else 's and stole all the money I had saved in my bank.
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus on multiple occasions regarding information on my credit report including my personal information. I am a XXXX and some of my fathers information is linking to my credit report. 

Subject : Dispute of Incorrect Information on Credit Report Credit Report Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute incorrect information on my credit report. According to my records, there are several inaccuracies in my personal information listed by your bureau. My correct details are as follows : Legal Name : XXXX XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX, XXXX, GA XXXX Current Employer : XXXX XXXX  The incorrect information listed on my credit report is as follows : XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ) Employer : XXXX XXXX XXXX XXXX  XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX Employer : XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed.

Please correct the above inaccuracies and send me a corrected copy of my credit report. Additionally, please confirm in writing that these corrections have been made. I have included copies of my driver 's license and a utility bill to verify my identity and current address.

Thank you for your prompt attention to this matter. Please inform me once these changes have been made. 

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

I HAVE SENT IN MY INFORMATION TO THE CREDIT REPORTING COMPANIES ( XXXX, EQUIFAX, XXXX ) NO ONE HAS DONE ANY UPDATES OR SENT OUT ANY LETTERS IVE CALL THE COMPANIES THAT ARE SAYING I OWE THESE DEBTS AND ASKED FOR MORE INFORMATION AND NO ONE HAS GIVEN ME A STRIGHT ANSWER ON HOW I OWE THIS MONEY ANY THE WHAT TO TAKE IT OUT MY ACCOUNT BUT I WONT GIVE THEM THE NUMBER OVER THE PHONE I DONT NO IF THEY ARE RAL OR NOT OR IF THEY ARE THE PEOPLE WHO STOLE MY IDENTITY.
Product: Debt collection

In XXXX of XXXX I became an employee of XXXX XXXX XXXX  and switch my account over from XXXX XXXX. I received {$750.00} in XXXX XXXX to pay off the remaining balance from XXXX which was I was told was {$580.00} and which I paid and was told I was ready to go. After 2 months I get a bill from XXXX saying that I owed them {$120.00}. I called and after multiple hours of speaking with several reps that I did not owe this and they would take the charges off my account. Yesterday XX/XX/XXXX I got a notice that my credit score has gone down XXXX points due to a derogatory claim on my account of XXXX from XXXX that I am now expected to pay. After talking to Jefferson Capital Systems this morning they have put in that I am disputing I was told the only way to get it off my credit was to get proof from XXXX of a conversation that took place over 4 years ago and on the phone. When I call XXXX to get in contact with someone it refers me back to Jefferson Capital stating they do not have access to any information on my account. I have worked incredibly hard over the last decade to build my credit and am infuriated to see it impacted by a bogus charge like this. There was more than enough left on those cards and if they would have asked me to pay that at the time of switching I would've gladly paid what I owed. Is there anyone who can help me?
Product: Debt collection

Enhanced Recovery is attempting to collect on a Debt, that I never received a letter from Enhanced Recovery regarding any information about the debt that they never validated the debt and are illegally reporting. There has been no written correspondence to me regarding this Debt from Enhances Recovery. The original owner of the Debt is XXXX XXXX. Enhance Recovery does not have a contract baring my signature with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Product: Prepaid card

I received XXXX pay in XX/XX/XXXX. They issue you US Bank Reliacards. I had my card hacked in XXXX XX/XX/XXXX. Over XXXX was taken off my card for internet international purchases I did not do. I called and reported it to the fraud department. I sent them the bank statements and highlighted all the purchases I did not do they investigated it and said they found no fraud so I spent 3 days calling XXXX merchants and they said they never received paperwork from the bank stating there was a fraud charge. So I called the fraud department back and they reopened my case but they did nothing about it they sent me a XXXX payment in XXXX of XXXX and then one in XX/XX/XXXX and in XX/XX/XXXX they retracted it off my card but they didn't take the XXXX payment back. Now all the charges repeat there selves month to month if one month charges is legit, wouldn't the same repeat charges be valid also. I need my money please help I don't know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I took a look at my credit report and I saw some things that I didnt know of. I filed a police report. in XXXX I had my personal belongings stolen from me then one day Money was taken out of my checking account. I filed a report with my bank and I got it changed. Money was taken out my bank account every two weeks and I didnt know of it.
Product: Credit card

Over the past several years, Comenity Bank, in conjunction with my other creditors, have reduced my XXXX XXXX more than XXXX points, resulting in my inability to secure a consolidation loan to pay off my credit card debts at a much lower monthly payment and interest rate. They have reduced my XXXX XXXX even though I have never missed a payment or defaulted on any account. 
For the past several months, I have continued making payments in the amount requested, including finance/interest charges, in spite of my continued downward spiral financially. 
Eventually, I could no longer maintain the payments, and requested, via phone and letter, that they work with me and accept a payment of {$25.00} per month, on the condition they stop all interest and finance charges, and cancel any late fees they've added to the account since I first contacted them. I also informed them that I am XXXX and XXXX, and living on a fixed income. They have neither refused nor accepted my terms, and only keep insisting that I call their automated phone system, which will eventually be answered by a person that speaks unintelligible English. 
I called them on XXXX I sent them a letter on XXXX I sent them a letter on XXXX I made a payment of {$25.00} on XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my account listed that aren't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an an account on my credit profile many times and it comes back as verified it does not provide any correct information on my report i am requesting that they delete this information immediately the account
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I tried to contact company about my money and they just kept saying same thing and it was for XXXX Also on XX/XX/year> they processed an unauthorized payment of XXXX that I never ever said they could take out making me negative! They never got back with me.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$130.00} XXXX XXXXXXXX Balance Owed : {$3600.00} - previously late/open XXXX XXXX  XXXX Balance : {$790.00} - tied up XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date XXXX : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$540.00} XXXX XXXX  XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX
Product: Consumer Loan

A rep from Ally Financial told me she was going to set me up for a two-month hardship ( to months of not making payments ) since I was out on leave from work due to XXXX. This was in XXXX of 2016. In XXXX, 2016, while applying for a mortgage, my loan officer informed me that I was two payments late for a total of 80 days delinquent on my car loan. 
I called Ally, and at first, they denied knowing any thing about a hardship agreement offered to me by their Rep. After arguing with Ally for 3 days it seemed, they finally admitted to having notes about our agreement for a hardship, but could not explain why I was not notified that It did not take effect. I have been charged {$860.00} in late fees since XXXX of 2016 and my XXXX statement says I still owe XXXX in past due late payments. Since XXXX, 2016, because of the mix-up, they have destroyed my credit, hitting me XXXX thirty day lates, and XXXX over sixty. Please help me ... they are out of control. There is another person on the internet who they did this exact same thing to. The attorneys answering the question on the blog all agreed that Ally is just workin people over for late fees. I paid my payment for this month. It was due the XXXX XXXX, but did not post till the XXXX. They already have me reported to the credit agencys. for a 30 day late???? I have the paper work to back all this up but cant send it all as attachments. Please email a physical address and I will be glad to sent all supporting data. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

JP Morgan Chase Bank Account Number Beginning XXXX Date Opened : XX/XX/XXXX Status : Charged Off XX/XX/XXXX {$270.00} This card appears on my credit as a charge off. I do not remember having this account and I do not have any invoices for this credit card in my payment files. By the on-line record I had the account since XXXX. 

I disputed with with XXXX and received an email stately that the bank considered it a valid debt. However, the bank did not provide me with any collaborating information to help me review this account. I have tried to contact them and can get no one who can tell me anything about this card. I
Product: Money transfer, virtual currency, or money service

On XXXX day i was with my brother I won a bid on XXXX to buy a XXXX XXXX. Once I won the bid I was talking to the seller and he said to send him money through XXXX on my PNC bank. I sent him the money and then I was emailed by XXXX  to NOT send money because of suspicious activity. The guy deleted his XXXX account. I was trying to get answers and he ghosted me, and made off with XXXX dollars of mine. 

I have called and opened a claim with my bank 4 or 5 times and they said " Due to the fact you used XXXX, we can not do anything because you directly sent him that money. 

I know my bank could have done something and they did not. Please help me. Currently unemployed now and can really use that for bills
Product: Student loan

I applied for teacher loan forgiveness to Mohela last XX/XX/XXXX. Within a few days I was approved. I never received a letter or an email but when I logged in to mohela it said I was approved. Its been over a year and still, I have not received loan forgiveness. I have called multiple times. First they said oh its a backlog.. we are extending processing time to 120 days. Then another time ( XX/XX/XXXXXXXX  ) they said " oh we are transitioning to a new platform..wait till XX/XX/XXXX ''. Called again, was on the phone for 2 hours waiting for the supervisor. The supervisor said i will call you back in 5 business days ..her department needed time to research. She never called me but I did get a general email from mohela saying they need 30 business days with an extension of up to 15 days to research my case ( Based on the California Student Loan servicing Act ). More calls were made for updates but no one gives me an answer, they just keep transferring me to someone else. Now they are violating my rights because I have not been given an explanation of what is going on. On XXXX, a supervisor did confirm that my teacher loan forgiveness was approved since last year ( XXXX ). She said it was " written off '' but my balance was still the same. She said she was emailing the loan department to take care of my loan forgiveness ... to give her 5-10 business days. On XXXX, I called again because the initial 30 days plus 15 day extension they needed to research/review my case is now up and i still have not received any notice. The resolution specialist I spoke too, again confirmed that I was approved. She acknowleged that my case should have been taken care of awhile ago. She said she is sending a 3rd email to the loan department to expedite my loan forgiveness. The previous two emails that were sent from prior mohela agents have not been answered. 

I submitted a complaint on XXXXXXXX  to studentaid.gov but it still says " in review '', I complaint to the XXXX, XXXX, and most recently to my congressman XXXX XXXX. I received a response from Mohela through XXXX  saying they are waiting for my loan to be written off... they are lying though. Two previous agents said that they were written off and couldnt understand why my student loan balance was still the same. Again they are lying ... every single time I call I get a different answer.