23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Department of Education, In accordance with the executive action done by President Biden and the Department of Education XXXX am entitled to up to {$20000.00} on federal student loan forgiveness as a XXXX XXXX XXXX. 

Given that, I am hereby requesting that the Department of Education completely discharge my federal student loan account that has a balance currently of {$16000.00} and report the account as having a {$0.00} balance to all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing about the alleged bankruptcy ( XXXX, XXXX, Equifax ) is reporting. I have sent over 6 rounds of letters asking for the proper verification but they have ignored my request. Isnt it illegal to ignore a consumer request under ( insert law ). 
I have been more than patient I need resolutions now as this is tarnishing my credit score I asked the court if they verify records with the credit bureaus and they stated they do NOT, so how did you legally verify this? court name is not accurate - each bureau must report the actual name of the court. I DEMAND TO KNOW WHERE YOU GOT THIS INFORMATION FROM THE COURT HOUSE DOES NOT SUPPLY THIS INFORMATION SO TELL ME WHO REPORTED THIS IF YOU CAN NOT PLEASE DELETEThis agency is in violation of 15 U.S.C. 1692g. The creditor ignored the request to verify this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent TRANSUNION a letter about some inaccurate and old items reporting on my credit report, i have sent the letter off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and i have not heard from them nor have they delete any of the inaccurate items they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So, I decided to pull my report and noticed several accounts that are not mine. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$650.00} XXXX XXXX  XXXX {$360.00} XXXX   XXXX {$180.00} XXXX XXXX XXXX {$290.00}
Product: Money transfer, virtual currency, or money service

I have send XXXX $ through western union on XX/XX/2023 which they promise to receive on XXXXXXXX XXXX XXXX but the money is still not received until today XX/XX/2023 for this I reported many times to the company, the company is just telling to wait from last XXXX days so today I contacted to western union XXXXXXXX XXXX XXXX XXXX. In hope that she will give me fair resolution for my problem but She is saying directly we don't have resolution for your case you just need to wait.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I electronically sent {$470.00} from my XXXX account to my student loan provider, XXXX. XXXX sent confirmation that the transfer was processed and gave me a confirmation number. However, when I called XXXX, they never received the money. At first, I thought I entered incorrect account information. However, according to XXXX and XXXX, the information was entered correctly. During the process, I find out from XXXX that they go through a third party for electronically processing. The name of the company is XXXX XXXX, which is part of Fiserv. XXXX supposedly contacted Fiserv to inquire about my XX/XX/XXXX payment several days ago. However, I was told by XXXX that Fiserv will not cooperate. I contacted Fiserv but I was disconnected. Frankly, I do not know what to do next because it is XX/XX/XXXX, and I am worried that they are collecting interest on my money and using that for profits. I know the interest on {$470.00} is not a lot however if this is being done to other thousands of customers, then the money adds up quickly. Please contact me as soon as possible. Thank you
Product: Checking or savings account

On XX/XX/2018 my wife and I checked into an XXXX XXXX for what was supposed to be a 7 day stay. Upon checking in that evening after flying into our destination, we were extremely disappointed in the cleanliness and filth of the home so we left 1st thing in the morning and checked into a local hotel. XXXX XXXX refused to give us a refund for our stay for the 6 nights we did not stay and insisted that they keep the full {$350.00} even after we sent them photos of how disgusting the house was. 

At this point, I called Chase Bank to dispute the charge and Chase gave my a provisional credit. Chase was able to see that we in fact checked into a hotel seeing that I used my Chase Credit Card for the hotel. They said that was sufficient to show that we did not stay at the XXXX XXXX and we thought the issue was resolved. I explained to Chase that I was willing to pay for the one night ( 12 hours ) we did stay and they said there was no way to refund only 6 of the 7 nights. 

Well now, over 2 months later, Chase is reversing {$260.00} of the {$350.00} that was originally reversed. After 3 phone calls with Chase, I have been told I have no recourse because XXXX XXXX provided documentation that substantiates the charge. Really??? So what was supposed to be {$50.00} a night is now {$260.00}? Chase could not refund my account only the applicable {$300.00} for the 6 nights we did not stay, but they can now credit XXXX XXXX {$260.00} for one night? 

Chase refuses to send me a copy of XXXX XXXX 's response to them so that I can properly refute their response. Chase would not let me speak with a manager and  acts as if its a closed deal. XXXX XXXX made NO attempt to settle this issue with me and now Chase is making no attempt to represent me as their customer either. So I apparently have no recourse except to file this complaint and/or hire legal representation which would cost far more than the {$260.00} that was in my opinion, just illegally taken from my checking account.
Product: Debt collection

I received a debt collection notice for a medical debt which was inappropriately sent to collection. XXXX XXXX mistakenly did not bill my insurance, and I called every month to correct their mistake. I even had a three way conference call with both the insurance company and the billing office, and they all assured me it was taken care of. After this, the debt was sent to collection, I assume because their repeated mistake took them out of the window of time where they were allowed to submit a claim. 

I contacted the debt collection agency and explained this situation and received no response, but further calls requesting I pay. I should not be required to pay for XXXX XXXXXXXX XXXX mistake, after also paying my insurance premiums. It became increasingly clear that they had no intention of fixing their mistake. It is also clear that this debt collection agency is attempting to collect inappropriately, after receiving this information.
Product: Checking or savings account

I have had a checking account with Chase Bank for the last XXXX years. I own and operate a business in the USA as well as a foreign branch office in XXXX. As a result of the COVID-19 panic, I received XXXX stimulus payments for my company from the SBA- the first was {$10000.00} loan, and the second was a {$10000.00} Targeted EIDL Advance. After the Advance was deposited in XXXX of 2021, my account was suddenly flagged and closed. The account in question has over {$2000.00} USD in it. 

I spoke with the SBA and they have already received all of my documentation for the processing of both the loan and the Targeted EIDL Advance- this is why the company was approved. Once I saw that the account was closed, I tried to contact Chase Bank and they have refused to work with me. They have told me that I can contact them in person at a branch, which is impossible for me because I am in XXXX operating the foreign branch office of the company. 

Chase Bank has seized my funds, rescinded ACH transfers that were in progress, and refuses to release the account access and/or its funds to me, the account owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX XXXX  ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, IL XXXX, for violations of the Fair Credit Reporting Act My husband and I purchased a vehicle from XXXX XXXX XXXX, an a partner and or affiliate of XXXX XXXX XXXX  ( XXXX ) on XX/XX/XXXX. The term was 44 months. In XX/XX/XXXX, my husband became ill with XXXX and contacted XXXX to voluntarily surrender the vehicle due to financial hardship. XXXX instructed us to return the vehicle to XXXX XXXX XXXX, which we did. XXXX confirmed they received the vehicle and closed our account on XX/XX/XXXX. 

Despite voluntarily surrendering the vehicle and closing the account, XXXX  reported the account as a " repossession '' on our credit reports in XX/XX/XXXX. When we disputed this with the credit bureaus, XXXX changed the report to " voluntary repossession '' but then re-reported it as " repossession. '' They have failed to provide any documentation validating this debt, as required under the FCRA. 

Most egregiously, in XX/XX/XXXX, XXXX illegally garnished my husband 's wages without any notice or judgment, in violation of debt collection and wage garnishment laws. They then returned a portion of the garnished wages without any explanation. We never received any court documents regarding a judgment for this debt, and court records show no such judgment exists. 

XXXX has violated the following laws : The FCRA, by reporting invalid repossession information, failing to conduct a reasonable investigation of our disputes, and failing to provide documentation validating the debt. 

The FDCPA, by engaging in unfair debt collection practices, failing to provide required disclosures and notices, and illegally garnishing wages without proper legal judgment. 

Other consumer protection laws regarding debt collection and wage garnishment procedures in Illinois. 

We demand that XXXX immediately remove the negative account from my credit report, provide documentation validating this debt, return any illegally garnished wages, and be held accountable for violating the law and harming consumers. Please conduct a full investigation into this complaint and take action against XXXX  to stop their unlawful behavior.
Product: Debt collection

I wanted to continue my membership, but had an issue with the account after a breach of my bank card. I called them to try to resolve the matter, but they were unwilling. I did not hear from them for months, when I did I asked that they send me a letter so the issue could be resolved. I did not receive a letter, instead they sold the debt to First Credit Services who contacted me at work.

I am not a difficult person to find, but I do not answer phone calls do not identify the caller, but will return a message if one is left with clear information as to who the person or organization is. Calling my job was not only embarrassing but completely out of line, since they really had not made adequate attempts to contact me by mail and email. 

I let them know I would be filing a complaint, and that they have ways of reaching me, but were in no uncertain terms to try to contact me at my place of employment ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my personal info, delete the accounts ' violating the FCRA and delete the unauthorized inquiries
Product: Credit reporting or other personal consumer reports

I have no supplied proof under the doctrine of the estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Nevada XXXX.
Product: Credit card or prepaid card

This was a secured credit card where i upload money to use. with unexpected fees some how i owe on a secured card and they reported this to my credit report. 

Can this error be remove from my report? I'm looking for a resident and this is affecting my move. 

Thank you
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies has inaccurate information on my credit report and I want it off my credit report file. I contacted XXXX, and TransUnion on several occasions more recently on XX/XX/XXXX and  demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the United State Issue : Bankruptcy Court that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. I still trying to understand how they verified the information when according to XXXX, they could not verified the information and they deleted this same exact thing off my credit file. Therefore I would like it deleted from my account immediately. If this matter is not resolved by XX/XX/XXXX, I will file a civil claims lawsuit against XXXX, and TransUnion Credit Reporting Agency.
Product: Debt collection

Child support says I owe a Debt of {$600000.00} and I can't Dispute the Debt they say I owe. I have been XXXX for 9 years and they have been lying for the last 9 years under Oath and the orders sent has no court seal nor judge signature which makes the order sent null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts on the pure bases of my identity being compromised years ago but the aftermath is the unknown and unauthorized accounts reporting on my credit files, data that's obviously not mines. I would like to see what all documents that was used to open these accounts, or please remove the following accounts. 

1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 5 ) Chapter XXXX Bankruptcy These accounts are stopping me from obtaining my true credit report data files.
Product: Credit card or prepaid card

2016 XXXX.
<P/>
I request a credit decrease from capital one which was denail. I close my account because it nature, secure credit card. High interest and no benefit.
Product: Student loan

I took out XXXX XXXX student loans while in college ( I graduated XX/XX/XXXX! ) ... Since then, XXXX XXXX had sold my loan ( I do n't know how many times, but as recent as XX/XX/XXXX! ) but when they do that.. my loan seems to start all over again ( so I can not find out what the actual origin date of the loan really is ). Then XXXX XXXX became Navient ( maybe in XX/XX/XXXX? ). 
As a Single Mom, I did not have a job right out of college so I had to defer and forebear the loan a few times.. however, most of the years since I took the loan ( s ) out, I 've been paying on this loan. The original loan was aproximately $ XXXX, and was set up as a graduated loan.. so about a year or so ago, it jumped up to almost {$400.00} a month. I ca n't afford that so, even though I pay every month, I do not pay the full amount required. I calculated that in the past 10 yrs ( of this 23+yr loan ) I 've paid over $ XXXX and my current balance is now {$40000.00} with {$2300.00} past due : - ( I can never pay this off.. ever! : - (
Product: Consumer Loan

Im with a debt consolidation company called XXXX XXXX relief, they are handling all of my accounts that I have submitted to them. One Main Financial is one of these accounts, One Main is calling my parents to contact me, I was told by XXXX debt relief to avoid all contact with my creditors and that they would handle it. Now, they are contacting my parents to locate me, and I gave One main financial the number to freedom debt to call, and they are still calling my parents harassing them to locate me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes I am not dispu
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX, Ga XXXX XXXX SS Number : ( XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX : XXXX XXXX XXXX, XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Request for Removal of Unverifiable Accounts From Credit Report Dear Credit Agencies, I am writing to formally dispute certain information appearing on my credit report, as I believe that some accounts listed are inaccurate and unverifiable. Recently, XXXX, one of the credit reporting agencies, removed and deleted the disputed accounts from my credit report due to their inability to verify the information. In light of this, I respectfully request that you conduct a similar investigation, and remove the unverifiable accounts from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The specific accounts in question are listed below : XXXX XXXX XXXX XXXX  ( Acct : XXXX ) Opened : XX/XX/XXXX {$7100.00} XXXX XXXX  ( XXXX ) ( Acct : XXXX ) Opened : XX/XX/XXXX {$8900.00} XXXX XXXX  ( Acct : XXXX ) Opened : XX/XX/XXXX {$800.00} XXXX XXXX  ( XXXX ) ( XXXX ) Opened : XX/XX/XXXX {$10000.00} XXXX  ( XXXX XXXX XXXX Acct : XXXX ) Opened : XX/XX/XXXX {$82000.00} XXXX XXXX XXXX  ( Acct XXXX XXXX ) Opened : XX/XX/XXXX {$10000.00} XXXX XXXX XXXX ( Acct XXXX XXXX ) Opened : XX/XX/XXXX {$14000.00} According to the FCRA ( 15 U.S.C. 1681i ), you are required to investigate disputes and ensure that all information on my credit report is accurate and verifiable. XXXX has already removed the accounts in question due to their unverifiability. I request that you review the same information, and based on the outcome of your investigation, remove these unverifiable accounts from my credit report. 

Please provide me with a detailed written response outlining your investigation 's findings and any actions taken. If the accounts can not be verified, I expect them to be removed promptly. 

Under the FCRA, you are required to complete the investigation within 30 days of receiving this letter. If the accounts are not removed, I request that you provide the name, address, and phone number of the original creditor, along with any supporting documentation they provided to verify the information. 

Thank you for your attention to this matter. I look forward to your timely response and to having these inaccurate and unverifiable accounts removed from my credit report. 

Sincerely, XXXX XXXX Please note : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was deleted from Transunion because it was fraudulent and unverifiable. Please see attachments : Please remove and delete from my credit file due to inaccuracy and inconsistent with other credit agencies and bureaus.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 mentions a consumer reporting agency can not furnish an 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX XXXX XXXX they are suppose to 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.