23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I switched company from XXXX XXXX to XXXX. XXXX was suppose to take care of the cancellation fees while I covered the past due balance on the account and return their equipments. Which I did. But a collections was still placed on my account. I was called by credit resource management and I told them I needed the last month bill so that XXXX could take care of the rest of the bill. They kept saying they sent it out but I never received it so I was unable to give the bill to XXXX. I ended up paying the rest of the bill and somehow they still sent the bill to my credit score even though I paid. I never once received a mail about it
Product: Debt collection

This is worst kind of company incompetent and totally out of compliance! Do not call or ask this company for advice, XXXX XXXX XXXX! My wife and I called in 2012 and asked about having our taxes done with XXXX. We never entered into a contract nor did we ever sign any contract agreeing to any fees! Our contact XXXX was disrespectful and egregious to my wife, a XXXX XXXX, and myself. We did not like her attitude, guess we were right as she has reported us to collection agencies for erroneous fees she says we owe when we never agreed to any fees nor did we enter into a known contract agreeing to any fees! We actually never met with nor did we ever intend to employee this nasty person XXXX! This was a horrible person and we never would do business with a person like this!. Not to mention because our phone call took place 5 years ago, the statute of limitations for a collection has passed for either a written and or verbal contract, nor did the company go through due process. The collection agency is a gross injustice and in violation of the predatory lending laws and needs a reprimand by the CFPB. Please see that this horrible company are fined due to fact that they are out of compliance and we would not want to see any good folks like us taken advantage of. We will pursue this company to the full extent of the law for their greed and gross injustice. We wish to be adjudicated forthwith without prejudice! We have reported this company to CFPB, XXXX and the Better Business Bureau!
Product: Credit card

Starting back in XXXX TD bank did not process my payment from my bank for XXXX dollars when my balance was above XXXX dollars. After that i was unable to make any payments through TD bank and called for months to receive help I was able to make a payment on XX/XX/XXXX after talking to numerous agents and closing my account to get it handed off to third party credit services which apparently is TD bank Now they are claiming i am behind on my credit profile after i have been waiting for them to provide this form to me Upon calling customer service i get kicked out after about XXXX minutes of waiting so i cant even talk to someone
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed accounts that dont belong to me.
Product: Money transfer, virtual currency, or money service

Cash app never has a live agent when money is taken from my account I always have to wait days to hear back from them via email and they never help me
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Accounts XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XXXX XXXX, XXXX - {$00.00} XXXX XXXX  XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX  - XXXX - XXXX XXXX, XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Had an account with my son and they charged off my account for {$41.00} for Overdraft, I got a class action suit for overdraft fees that they reimbursed me, Also, they didn't send the information to the correct address I was unaware of this charge I tried to update and get a new checking account because of the overdraft they will not remove from XXXX XXXX as they added these charges later then charged off my account. I had paid money to the bank in XX/XX/XXXX and these charges were added later without my knowledge and is now affecting my consumer report for five yeas. I need this updated and removed as their should be no overdraft or extended fees by XXXX XXXX XXXX. I had two accounts with them after this and they never told me of this just sent it to XXXX XXXX. I spent an hour and a half with XXXX  XXXX XXXX and they wont remove the charge.
Product: Student loan

My student loans are currently covered under the CARES Act forbearance. In XX/XX/XXXX, I submitted a request to change my billing due date for my student loans to manage my payments once they resume in XXXX. For some reason, PHEAA has treated this change in due date request as a recertification. I received a confirmation from PHEAA that I recertified my income-driven repayment plan. The only problem is that I never requested to recertify, nor did I submit any proof of income. Moreover, PHEAA said my next payment under a new IDR plan was due in XXXX -- while the payment suspension is still in effect! 

I am not due to recertify until XXXX. I want to ensure that my payment suspension remains in effect, that I have no payment due until XX/XX/XXXX, and that all these months continue to qualify for PSLF.
Product: Debt collection

At XXXX received call from P & B Capital Group trying to collect debt from someone who is not me. I do not have debt. I am on do not call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXXXXXX Balance : {$460.00}
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX and I am writing to dispute inaccurate and unauthorized information on my credit report, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I did not authorize Experian, XXXX, or XXXX to include the following accounts on my report : - 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  The open dates XXXX dates of last activity, and other details for these accounts are incorrect. Under 15 USC 1681i ( 5 ), credit reporting agencies must modify any inaccurate or unverifiable information on a consumer 's report. 
Furthermore, including these accounts without my consent violates : - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization - 15 USC 1681c ( a ) ( 5 ), which limits reporting adverse information over 7 years old - 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishing known inaccurate information Additionally, repeatedly contacting me about these alleged debts at my place of employment violates 15 USC 1692c , which prohibits communication at an inconvenient time or place. Contacting my family members about these debts violates 15 USC 805 ( b ), which prohibits communication with third parties.

I request that you immediately delete these unauthorized accounts from my credit report to ensure accuracy and compliance with the FCRA. Please provide me with an updated report reflecting this correction. Accurate credit information is essential for me to obtain credit and employment, and I appreciate your prompt assistance in resolving this dispute.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
Inquiry from XXXX OF XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for validation, verification and inaccurate information reporting from XXXX  XXXX XXXX. The Bureaus and Creditor have failed to accurately report or removed on my credit report. My husband had the same account on his credit file and it was removed from his with no issue. I have sent countless letters and its still remains on my file with inaccurate information. Please investigate as necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently reporting missed payments on my consumer report which is negatively affecting my life and my ability to obtain new credit. This account has been closed for years and I keep seeing missed payments on this closed account. Please remove this false, erroneous account immediately or please provide me with payment history showing the account was current until the erroneous reported missed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX *
Product: Credit card

XXXX Tried to log into my account and could not. 
XXXX called and was told had a restriction on my account due to another persons account. 
XXXX was told l can appeal a decision on my account however not sure why its a restriction on my account.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly.
Product: Checking or savings account

Chase Bank experienced a technical bug on Thursday, XX/XX/XXXX, which resulted in duplicate charges and transactions. Like most people who this bug affected, I woke up on XX/XX/XXXX to see I was withdrawn and in the negative. My XXXX payment was submitted twice. There is no way to reverse this charge on my own or get my money back until Chase fixes the bug on their end. Chase did not notify anyone of this egregious error for almost 15 hours after the incident happened, and they only posted a brief update on XXXX this morning around XXXX XXXX XXXX XXXX. They updated the website with a header notification alerting people of the issue but did not post any sort of notice on the mobile app. First they said the issue would be fixed within a few hours, then they updated to 24 hours, and now some Chase reps are saying it could take up to 5 business days to get money put back into my account. This conveniently happened on the day that rent and other major bills are due, and Chase is not communicating to anyone with updates about this process. Nobody knows when we will stop being overdrawn. Utility and bill companies are charging extra fees because payments bounced because chase took all of our money. They arent giving anyone any more information. In fact, they are deleting comments asking if and when we are going to get the money and what Chase is going to do about this huge liability issue. Millions of people are very furious right now and stuck without the ability to get groceries or even go to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americredit / GM Financial is preventing me from purchasing a home for my family. During the first quarter of this year, Covid-19 became a global and national pandemic. Fearful of major income loss, I communicated with all creditors to prevent any future financial / credit issues. Being that I was in good standing and current with my auto lender GM Financial, they offered me forbearance " arrangement '' of the loan. I made a large payment of {$1700.00} in XX/XX/2020 when my forbearance ended ( even though I was offered an extension by GM Financial ), another payment was made in XX/XX/2020 for {$3000.00} following me paying off the full balance of the vehicle in XX/XX/2020. GM Financial is damaging my good name and character by inaccurately reporting late payments, inaccurately reporting the account balance, inaccurately reporting the loan term incompletely reporting date of last activity to the three major credit reporting agencies ( XXXX, XXXX, XXXX ). Section 623 of the Fair Credit Reporting Act ( FCRA ) requires furnishers to provide accurate information to the ( CRA 's ) &  correct any identified issues when aware of them. Section 4021 of the Cares act also mandates on how to properly report accounts in forbearance during the Covid-19 Pandemic. I have reached out multiple times to GM Financial and spoke with multiple supervisors and departments in order to correct this errors. I was assured that the late payments would be corrected and that I would also receive confirmation by mail, as of XX/XX/2020 there has been no resolution or correction. The balance reflected on my credit reports is affecting my debt to income as well as erroneous late payments are affecting my ability to obtain a mortgage. I have no other option but to reach out for assistance since GM Financial is in willful and negligent noncompliance with the FCRA.
Product: Debt collection

I requested debt validation/verification from  Bonneville Col lections. The amount and orginal creditor did not correspond with any information I had in my files. My first request was received by registered mail on  X/XX/2017   , my send request was received by registered mail on  X/XX/2017   . I provided my current address and identifying information. They have failed to respond to my requests. In addition, with each letter I have sent requesting verfication, they have marked my Credit Bureau account disputed/verified/resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and deleted from my credit report due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a report from Equifax and on the second page online I am for me that the website was having problems and I couldnt get my report
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit report in light of the XXXX data breach. I have recently become aware of unauthorized access to my personal information, and I believe it has led to negative accounts on my credit report without my consent. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and rectify inaccuracies on my credit report. In accordance with this, I kindly request your assistance in investigating and, if found to be a result of the XXXX data breach, removing all negative accounts, charge-offs, and inquiries that have been reported without my permission. 

I have taken the necessary steps to secure my information and monitor my financial accounts more closely. However, the impact of these unauthorized accounts on my credit history has been a cause of concern. Your intervention in this matter would greatly help in restoring the accuracy and integrity of my credit report. 

Enclosed with this letter, please find supporting documentation related to the XXXX data breach and any additional information that might assist in your investigation. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( XXXX ). Block and remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

An account I opened while I was in college. Found out I had a balance on the card. I immediate paid the debt and it 's being reported on my credit report as derogatory. PayPal credit card. Tried numerous times to get it off. But still remains. When I made the payment I was told ones that was done all the negative reporting including derogatory mark will come off. Since the payment I have disputed and disputed and still nothing. My biggest mistake was that I did n't get it in writing. I trusted them to remove the mark.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and noticed I had fraudulent account on my report please remove these account from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and the other Credit Reporting Agencies continue to allow old expired disputed and deleted information to reappear with the most bare information available. 

TransUnion is reporting XXXX XXXX  Account number XXXX as an Open Account Opened XX/XX/XXXX with a balance of {$270.00}. 

TransUnion either knows or should know that XXXX XXXX Account number XXXX Date of first Delinquency was XXXX of XXXX. 

TransUnion 's gross neglect is costing me 28 points on my FICO score and ensuring that the expired debt will continue to appear on my credit report well after it is allowed to. 

The last round of disputes TransUnion address was less than 6 months ago ... How do I build generational wealth if TransUnion is allowed to Vandalize my credit report with impunity? 

I'm a single mother of a XXXX year old, I just want to buy a house to leave more then what was left for me ... seriously at what point does this get old?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I, XXXX XXXX XXXX XXXX contacted XXXX XXXX XXXX in writing through Certified Mail with out a return receipt, however I have not received the return receipt even though I have proof they received it on XX/XX/21 at XXXX. I sent my Cease and Desist Letter, Affidavit of Truth, Invoice and exhibits that are attached. I am contacting the CFPB due to them being in violation of 15 USC 1692c and 1681a ( b ). They reported my credit transactions, private information violating my privacy and have scored me making it detrimental to my life and caused defamation of character. I am seeking remedy under 15 USC 1692k. Also after them receiving my Cease and Desist letter, I was called contacted on XX/XX/21 at XXXX which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 they are also in violation. I'm requesting an additional XXXX IN A CHECK for these violations that occurred afterwards. I have attached documents as proof. I Would Like your help in getting these matter addressed quickly. Please and Thank You.
Product: Consumer Loan

I had previously filed a complaint regarding BMW Financial and my car loan. Although they provided an accounting record and a copy of the contract, it was never made clear at any point that the deferred payments would be due in a lump sum. The terms at the end of the loan were not clear and fine print language that was never explained. The terms were not explained to me when I was offered the opportunity to defer the payments. While I was awaiting a response and reaching out to BMW in response to a letter from them, when I called I was told that my account had been charged off-while I was awaiting a response to my complaint. My credit had been further damage and my loan charged off, while I was told BMW was researching and would contact me. 
In addition, my balance due amount has drastically increased and I am concerned as to that calculation.