23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My card was lost/stolen and unauthorized charges we applied to my balance. I have tried to contact bank multiple times but I keep getting disrespected. I am a XXXX and need my medicine to stay alive and the bank is forcing me to wait long periods of time when I can't go long without my medication. Please help me please! They don't care about me and I feel failed by the banking system. If i don't take my medicine in the next 3 days it can be very detrimental to my health. I Deserve to to be treated fairly please treat me fairly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Santander Consumer reporting to my credit for the past coupl of months as they have been reporting the account as open and reporting a missed payment. The account was closed in XX/XX/XXXX/XX/XX/XXXX and shows a comment as charged off/written off on my report. However since XX/XX/XXXX they have been reporting again a missed payment and a open account. I have disputed with XXXX   and they advised me all I could do was continue to dispute every time the report or open the account.
Product: Debt collection

I paid this debt in full and they are not updating my Credit report to reflect paid in full.
Product: Debt collection

EdFinancial Services XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Final Demand for Account Removal Account No. XXXX Dear Customer Resolutions Unit, Thank you for your response dated XX/XX/XXXX, regarding my dispute over the student loan account referenced above. While I acknowledge your explanation, your reply fails to adequately address my concerns or resolve the inaccuracies in your reporting of this account. 

Unresolved Issues Failure to Validate Debt Your response states that you are not considered a debt collector under the FDCPA ; however, this does not exempt you from the obligation to validate the debt under 15 U.S.C. 1692g. Despite providing a copy of the Master Promissory Note ( MPN ), you failed to substantiate : The chain of title and servicing rights for the debt. 
An itemized breakdown of principal, interest, and fees. 
Certified documentation that validates the debt under federal law. 
As supported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), failure to provide adequate validation undermines the legitimacy of the debt. 

False Certification and Forgery Your letter suggests a process for loan discharge due to forgery or false certification but ignores the immediate harm caused by your continued reporting of this account. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) emphasizes that furnishers must investigate and correct errors promptly. 

Continued Reporting Violations Under 15 U.S.C. 1681s-2, you are obligated to report accurate information to credit bureaus. Despite your claims of compliance, discrepancies in the reported balance, status, and history persist. 

Demands Immediate Removal of the Account : Due to your inability to provide adequate validation and the discrepancies in reporting, I demand the removal of this account from all consumer credit reporting agencies immediately. 

Provision of Methods of Verification : Provide documentation detailing the methods used to verify the reported information. This includes all communications and investigations conducted to substantiate the accuracy of your reporting. 

Cease Reporting Until Resolution : Halt all reporting activities related to this account while the matter is under dispute, as continued reporting of unverifiable debt is a violation of federal law. 

Notice of Arbitration Should you fail to resolve this matter promptly, I will escalate this dispute to arbitration under the rules of the XXXX XXXX XXXX ( XXXX ). I will also file additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. As emphasized in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), delays or inadequate responses constitute a denial of due process. 

Response Timeline You must provide a comprehensive response within 14 days of receipt of this letter. Your failure to act will result in immediate escalation. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two seperate letters to XXXX XXXX TransUnion XXXX one in XXXX and over 30 days later in XXXX XXXX asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded XXXX & TransUnion to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... XXXX XXXX TransUnion act like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ...
Product: Payday loan, title loan, personal loan, or advance loan

The company decided to change their website and back end systems, and decided to require re-setting passwords as a result. 

As I have been a customer for years and did everything online I don't have my account number, since there was never a physical card or document issued. The account number is required to obtain the user name, and the user name to reset a password. 

They advise calling a customer service number and every time I attempt to they are closed or like today, I have been on hold for 1.5 hours and still haven't gotten through.

There is no email or chat as an alternative, so I basically can not actually do anything to obtain my account info to make future payments which have been 100 % on time thus far. 

Honestly, I'm so frustrated with how I have been treated despite being such a long time customer I just want to speak to someone so I can close the account.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Student loan

I applied for the Public Service Loan Forgiveness 3 times and was denied each time. My loans were held by XXXX at the time. They said I didnt have the right kind of loans, but I was never advised to consolidate them into a direct loan and was never told why my loans didnt count. I gave up after the XXXX attempt/denial and consolidated the loans last year with a XXXX/Mohela in order to pay them back. I have worked as a physician at a federally qualified health center for 11 years and at the VA for one year. This year, I believe I would have qualified for the PSLF program had I not been given horrible advice last year from the federal governments educational loan department. It cost me {$34000.00} at the minimum.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX -or- XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX -or- XXXX  Fraud XXXX Assistance Department XXXX  XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  {$940.00} XXXX  {$1500.00} XXXX XXXX {$730.00} XXXX   {$11000.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$780.00} XXXX XXXX {$780.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX XXXX  Account number XXXX In accordance to the Fair Credit Reporting Act, XXXX XXXX , has violated my rights.

15 USC 1681 Sec. 602, States I have the right to privacy.

15 USC 1681 Sec 604 a Sec. 2, it also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX. XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on my credit report displays addresses that I have never resided in. What's fraudulently listed is the following ; XXXX XXXX XXXX, XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX, NY,XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX and there's a duplicate with the same alleged owed amount of {$42.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Money transfer, virtual currency, or money service

I have {$49.00} in my PayPal account. 

When I try to transfer my PayPal balance to my bank account which is verified by it, the following message is displayed : Theres a problem Right now, were not able to transfer the money to your bank. 

I have e-mailed PayPal ( as well as its CEO ) but have not received any reply. 

PayPal is holding on to my money and not letting me get it.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen this company on my credit report XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I noticed Chase listed erroneous, inaccurate items on it. On XX/XX/2021, I mailed Chase to dispute the items and requested proof ( a consumer contract ), under FACTA, that the alleged accounts belong to me to which Chase responded by stating it was unable to process my dispute because I did not give complete account numbers. Then, Chase responded to me, after initially stating it could not respond, by stating that the information is accurate, without sending me proof. I reminded. Chase that it has to send me proof under law. On XX/XX/2021 I mailed Chase Bank a second letter, this time with complete account numbers as it requested. Chase then mailed me another response stating the accounts are accurate, WITHOUT sending me proof that the accounts belong to me. In recent mail correspondence with Chase on XX/XX/2021, Chase stated that I did not provide enough information for them to conduct an investigation. The attached letters below show that I complied with their request to provide full account numbers in my 2nd round of letters sent to them. Chase is being negligent in its investigation and has illegally placed items on my credit file. Chase refuses to send me proof of the alleged debt after TWO requests. Not only has Chase, placed erroneous credit card information on my credit file, it also, according to XXXX, reported an inaccurate address on my file as well, ending in XXXX Attached are the letters I have sent to Chase.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

The demand for Chase has been made several times with false information and continued delays. I have provided them the reaffirmation information for the loan yet they have refused to correct it. The bank intentions are not consistent for a company that handles home loans with integrity.

I have been lied to misrepresented to and ultimately made into the person at fault when the blame resides clearly on Chase Mortgage. They have made false representations that I would need to reopen the bankruptcy to get my home to be reported for my credit report. 
This complaint started on XX/XX/XXXX and have been called and send numerous pieces of information that are inconsistent and that provide further delay which is causing me financial harm. 
I have provided the page in my bankruptcy that was filled on XX/XX/XXXX. This document provides the proof of the home being reaffirmed. The bank has dismissed this and advised that it is not. The document is provided to assist as the manner Chase is handling my complaint is unethical.

Due to Chase being a large bank that is acting unethically need help to get this resolved. There is no need to delay, defer and deny my request when it clearly is under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized hard inquiries on my credit report listed need to be removed immediately 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

I reached out to XXXX and Transunion today XX/XX/XXXX via phone call. XXXX had me on hold and transferred me XXXX  times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. I want all invalid accounts and incorrect account information to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was pulled on my account on XX/XX/2022 without my consent. The name is XXXX XXXX Bank. I did not authorize this at all.