23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX '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 ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation, under the pursuant to the Fair Debt collection practice act ( FDCPA ) that the agency by the name of Credence Resource mangement send " validation '', that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay for an account with a business I never opened an account with or did any sort of business with. This agency has failed to verify an account, and has been reporting invalid information to XXXX and XXXX for a debt I am not liable for. This action is a violation of the FDCPA, therefor, if this agency can not provide validation ( instead of verifying an alleged amount I am claimed to owe ) then they must stop collection efforts and remove account from credit reporting. I have called multiple times and this agency has yet to comply with my formal request.
Product: Credit reporting

Equifax, over the years, has maliciously attempted to report inaccurate information. While sometimes I 've had luck removing these items, this time the damage this company has done to me is irrefutable. 
For starters, I have XXXX items showing as " Dispute in Progress '' - for over XXXX days. But if you look at the other image I attached, the dispute shows 'expired ' ( # XXXX ). I never received confirmation the dispute was even completed, let alone expired. This is an attempt to harm my credit. 
XXXX, Equifax claims that inquiries are a statement of fact. They have, on XXXX occasions, granted file access to companies I have never engaged nor wish to receive credit from. The act of allowing someone else to access my file without permission is NOT legal. Moreover, I have had a continuous fraud alert on my file since 2013 which was NOT triggered when someone applied for credit that I did n't ask for. 
Finally, Equifax has continuously spammed my inbox trying to get me to sign up for their XXXX-Bureau monitoring program when I 've opted out of such services.
Product: Debt collection

No debt was ever owed to XXXX. In XXXX, XXXX mishandled all student loans as well as all tuition fees and costs. XXXX also promoted a hostile environment and a very unhealthy cancel culture. 

Aside from all of that, the referenced account that was mishandled by XXXX was opened XX/XX/XXXX and the DATE OF LAST ACTIVITY on that account was XX/XX/XXXX. 

BOTH DATES ARE MORE THAN SEVEN YEARS OLD AND THE FCRA BARS ANY NEGATIVE CREDIT REPORTING OF THIS XXXX  MISHANDLED ACCOUNT. 

Any and all federal student loans have been forgiven by the U.S. Department of Education due to permanent and total disability as of XX/XX/XXXX. There is no balance due on any federal student loan. 

XXXX placed a fraudulent claim with Reliant. 

Reliant is in VIOLATION of the FCRA by reporting negative and disputed information after the expiration of 7 years from the date of last activity.
Product: Student loan

I applied for the SAVE payment plan with Nelnet in both XXXX and XXXX of 2023. My application has not been processed after countless requests to Nelnet that they do so. I submitted a formal complaint with the consumer finance department on XX/XX/2023. In response to that complaint I received a letter from Nelnet dated XX/XX/2023 requesting that I make a payment of {$5.00} for my SAVE application to be processed. I have made that payment on the Nelnet website. In addition to that payment request on XX/XX/XXXX, Nelnet has removed my account from the IBR ( income-based-repayment ) plan that I have been on over XXXX years! They have moved my account to the standard payment plan. This was not my request. My request was to have my account transferred from the IBR plan to the SAVE plan ; which has still not occurred. In sum, not only has my SAVE application not been processed, but I have now been removed from the IBR plan all together which will have an incredibly detrimental impact on my student loan account that ( according to my records ) has been in repayment for over twenty-five years! Please help!
Product: Student loan

This is the latest email I have sent to Mohela : My last response to my last message indicated you would be sending me my payment history for the entire life of this loan and I have not received anything either in regular mail or in my documents you sent me section of your site. I am asking again for a copy of my payment history for all of XXXX and XXXX on both the old account/system and the new account/system. Please provide this to me via the documents you provide tab of this website or overnight the summary to me at my home address ( on file ). Your secure message center is not working to use the website to send this request. Nothing happens when I select Submit Request. I also requested over the phone that a payment be researched and have not heard back about that or received anything in regards to that payment. I need someone to contact me directly or provide a response to these requests that I can directly respond to instead of sending the same message over and over and over again and calling and calling and calling with no resolution. I will be sending a copy of this complaint to the CFPB. 

I have asked for a copy of all payments made and credited to both accounts and for research to resolve the misposted payment. everytime i call or contact them I get an answer that a request will be submitted with no timeframe and when I ask about a time frame I am told something ridiculous like 30-60 days to get answers. I have waited the 60+ days and meanwhile interest accrues daily. I have paid double the minimum payment for several months and not gotten credit and have not gotten answers.
Product: Debt collection

In response to my Complaints this past Spring in connection with the fraudulence arising from my previous landlord 's efforts to extort me and the willful complicity of XXXX XXXX XXXXXXXX in those efforts, the merchant is now alleging that I owe {$1900.00} on my closed XXXX XXXX XXXX  and has forwarded a fraudulent debt in that amount to Credit Control LLC for collection.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

ERC is attempting to collect {$1200.00} for an XXXX XXXX XXXX account which is closed and equipment returned via XXXX. I was advised that no shipping label was required if returned via a XXXX store. My internet service is currently with XXXX, therefore, I am not sure why ERC is attempting to collect this debt. I am also writing XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Texas XXXX regarding this urgent matter.
Product: Credit reporting or other personal consumer reports

I have tried many times to contact Equifax. First, the phone system wasnt available. So i tried mailng them a letter. I sent the letter XX/XX/XXXX and still have not heard anythign regarding my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove some items that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.These items must be removed entirely from my Credit Report on its next update Here are the aforementioned items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Used cashapp debit card to purchase meal from restaurant ( XXXX XXXX ) to order XXXX XXXX XXXX XXXX XXXX XXXX XXXX were not received I ordered through the XXXX XXXX XXXX app purchase was {$31.00} on XX/XX/2024 around XXXXXXXX XXXX asked Merchant for a refund they refused refund and offered coupon instead I disputed with cashapp who denied me twice due to XXXX XXXX saying they did provide services when they in fact did not.
Product: Credit card

American Express is stating that I have an unpaid balance due, but they also stated they have adjusted the balance because they did receive the payment. The balance due is actually an interest dividend payment due to me in the name of XXXX XXXX XXXX. I have requested the payment due to my legal name, be applied back into the account for further use. Redemption of payment was made by the bills and payments coupons ( negotiable instruments ) via XXXX XXXX XXXX  to American Express XXXX XXXX in XXXX, CA and to their Investor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY . American Express is not acting in the best interest of the XXXX XXXX XXXX XXXX. By withholding access to my credit via the access device card provide, is causing emotional, mental, physical, phycological & financial stress. I had to quit Culinary school, miss medical appointments and lost my job because American Express began restricting my card after trying to force me to make specific types of payments. Based on American Express 's Prospectus filings with the SEC, they made a firm offer of credit but have failed to uphold their offer, after receiving my initial investment of an asset backed security which was the application that they are trading on the secondary market. Obligating the public to pay a debt of a bank or corporation is illegal and goes against public policy ( HJR 192 of June 5th, 1933 ( Public Law 73-10 HJR-198 48 stat ).
Product: Credit reporting or other personal consumer reports

XXXX AND XXXX XXXXXX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$490.00XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I noticed a collection account on my credit report in the amount of {$1400.00} from Midwest Recovery. I had no idea where this debt came from and i never received any kind of communication from this this company in the mail regarding the debt. This specific amount was previously listed on my credit report under a different company. I sent an validation request to the other company. They were unable to validate the debt and it was removed from my report so I am assuming it was sold to Midwest. I sent Midwest a  validation request by certified mail on XX/XX/XXXX. It was received by them. USPS Tracking number ( XXXX XXXX XXXX XXXX XXXX ). As of today, I have still not received validation of the debt and it continues to be reported on my credit report. Also, i received a credit alert yesterday from my credit monitoring service that my address had been changed to an address that I do not reside. I called the credit report agency in and was told that it was reported to them by Midwest Recovery. They were able to change my address to an inaccurate address but unable to provide me proper validation the debt in question. I was told that they could not remove the incorrect address because it was reported by a creditor. I have never done business with Midwest, not verbally or in a contract. They have violated the FCRA by continuing to report a nonvalidated account.
Product: Prepaid card

I attempted to transfer my funds from my prepaid account to my personal checking account. On XX/XX/XXXX, I initiated a transfer of {$850.00} and received a transfer attempt success email. I checked my checking account on XX/XX/XXXX to find the funds missing. I reviewed my prepaid account and the funds were in my account again. I called Way2Go 's customer service number at ( XXXX ) XXXX several times but was met with a menu robot and unable to speak to anyone directly. I called my bank to confirm the issue was not on their end. They confirmed no attempts to transfer the funds had been made and that there was no reason why my account would deny the funds. I've attempted another initiation on XX/XX/XXXX but won't be shocked to find it unsuccessful by tomorrow. I've looked online and have found other similar complaints have been made on websites like XXXX.
Product: Credit card or prepaid card

I have had my Citibank card since XXXX over 13 years Ive had a balance and this company has made money off me. Ive been a good customer and Ive only been late a few times. Recently I had issues with my bank account and some payments were returned in the last few weeks. I wasnt late. I also rectified my bank account problem. Without notice or anyone talking with me my Citibank account was closed due to late payments or returned checks. This is ridiculous and a poor way to treat your customers and run your business. I would like my account reopened and my APR put back to what it was. Also Im flabergasted that this company would charge me over {$200.00} in fees! They choose to put through a payment 3X before it comes back and gets officially returned. besides being charged by my bank for the returned payment Citibank also charged me {$30.00} every time they put the payment through! I also got charged {$41.00} waiver fees for each payment. This is ridiculous and Citibank shouldnt be allowed to charge customers these exorbitant amount of fees. I would like all the fees waived that amount to over {$200.00}. This will put my balance under my limit. That is the only reason Im over limit is your fees!!!
Product: Debt collection

On XX/XX/XXXX I received a letter and in was documents for me to give my place of employment, cars that I drive, and  banking information amongst other personal information telling me that I had a judgement against me I called them and told them I pulled my credit report in XX/XX/XXXX and paid ALL of my debts. The debt is said to be from XXXX yet its not on my credit report He stated that there was a cease and decesase letter in XXXX but didnt tell me when asked where it came from. He stated that he couldnt contact me to pay the debt because of the letter but i found a letter from them in XXXX saying i could pay the debt with my income tax but no mention of a judgement in that letter Now they say i have a judgement and that judgements stay on file for 20 years however i can find nothing from my hometown as they stated it originated in XXXX county and the address given i had not lived at during the time they claimed they served me They claim they couldnt get in contact with me but letters prove that its not correct He also said the letter with the XX/XX/XXXX date had to be filled out and sent back as it was from XXXX County courts on the companys behalf. I stated that and asked for validation of debt and the questions I asked he couldnt verify the debt either. He said until they investigate and that can take " some time '' I should fill out the information regarding all of my assets I said so I am supposed to hand over my assets to you without validating a debt and on top of that you are telling me I have a judgement that should be public record but i ca n't find it?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of last year, my stepson XXXX XXXX asked me to download XXXX XXXX so that he could send me {$2000.00}. I did so, attaching my citibank debit card to my XXXX XXXX $ XXXX. He sent the money from his XXXX XXXX XXXX account, which appeared on my phone. However, I didn't know if the money was in my account. I called Citibank soon afterwards and informed the representative of the transfer from my stepson through XXXX XXXX, and the representative told me that there were no deposits pending and that I needed to contact XXXX XXXX. I told her I didn't know how to get in contact with them and then she then put me on hold. When she got back on the line she gave me a XXXX number to contact XXXX XXXX and that's when things went terribly wrong. Long story short, the number she gave me was not to XXXX XXXX but to scam/fraud individuals. I later found out that XXXX XXXX doesn't have landline communications. The people I thought were trying to help me get my money from my cash app to my debit card were not XXXX XXXX representatives. I've spent months calling authorities, reaching out to XXXX  XXXXthrough emails, and filing complaints. Most recently, I was informed by Manager of Consumer Services, Compliance Analysis Division ( DC ) to file a Complaint against Citibank, because had it not been for the representative giving me the wrong information, I wouldn't be in this situation, and now I know that the money would have automatically deposited into my account in two business days. Please Help. I can't afford to lose any money, let alone {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card was charged {$24.00} per month by Transunion Interactive from XXXX, 2019 to XX/XX/2019 - a total of 8 times which amasses to a total of {$190.00}. This is a service I never ordered. I have not made any major purchases where I would need my credit report for many, many years. Furthermore, I have not received a credit report from them. My credit card company graciously is disputing the charges for the last three months. The following shows the dates of the charges : XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00} XX/XX/2019 - {$24.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate and harmful entry on my credit report under the rights granted to me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The issue pertains to a duplicate account that is reported as XXXX separate negative accounts, which is significantly affecting my credit score. 
It is clear that both entries pertain to the same account, yet they are being reported as separate. This misreporting is not only misleading but also in violation of the FCRA, which mandates that credit bureaus must ensure the accuracy and completeness of the information they report ( 15 U.S.C. 1681e ( b ) ). Additionally, such errors may violate provisions of the FDCPA if the duplicate reporting constitutes misleading or unfair debt collection practices. 

The duplicate entries are causing an undue negative impact on my credit score, portraying an inaccurate financial profile to creditors. This error needs to be corrected immediately to avoid further harm to my financial standing. 

If you review the attached documents you will be able to notice that this account is reporting twice as XXXX separate negative accounts. I have disputed this account as well, around a year ago and my credit monitoring service is reporting it as " account not disputed '' Duplicate Account : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Following inquiries are unauthorized and fraudulent and i need them removed immediately. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.