23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, Equifax reported a medical debt of {$120.00} from a medical collection agency called XXXX XXXX on my credit report from XXXX XXXX XXXX and I live in California. This was immediately disputed, as it violates the new law prohibiting medical debt under {$500.00} to be reported to a credit bureau and it was paid by health insurance. Equifax should not be allowing medical collection agencies to report any medical debt whatsoever under {$500.00} as per the U.S. Congress Medical Debt Relief Act of 2023. They are violating the provisions congress put in place to protect consumers. I disputed this with Equifax electronically and verbally twice. The information has not been removed from my file and they said it may take them several months to delete medical debt from all consumers credit files. This is unacceptable and they should be removing this type of information immediately when it is brought to their attention to protect consumers,
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Payday loan, title loan, or personal loan

I have received a loan notification : I did not request or apply for this. company gave me complete run around. Total scam. 
Congratulations, XXXX! 
Your loan has been successfully processed! Here 's what you need to know : {$1300.00} will be transferred to your bank account either today or the next business day, depending on cut-off times. 
Banking institutions have their own policies regulating when transferred funds are released to their customers. 
To avoid penalty fees, please make sure funds are available in your account when payments are due. 
Making extra payments toward your principal or paying off your loan early saves you money on interest and lowers the overall cost of your loan. 
You can make additional payments via your online account or by contacting us at XXXX at least three days before your intended payment date.
Product: Credit reporting 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 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, states 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 and crimes which antedates the report by 7 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.

I have previously communicated with Transunion and disputed these items.
Product: Debt collection

I received an alert in my account in regards to a debt collection. I called the number listed on my credit report and was informed the original debt was with XXXX XXXX XXXX and was provided with information that this account was registered to an address in XXXX XXXX Fl which I have never resided nor have I ever had an account with XXXX XXXX XXXX. I was told by the representative that are would send me a packet in the mail to fill out to dispute the charges.
Product: Credit reporting or other personal consumer reports

According to The Fair Credit Reporting Act of 1970 - 15 USC 1681b - Privacy Act of 1974 - Family Educational/Privacy Act 20 USC 1232g - 34 CFR Part 99 - 15 USC 6802 and 16 CFR 313.7 I have asked XXXX XXXX XXXX Equifax, and XXXX to honor these regulations and codes. My correspondence is being completely ignored. I am in the process of creating debt security disputes and settlements in relations to the Securities Exchange Acts of XXXX for several credit accounts. Also, my personal information is outdated and erroneous. I have asked for removal of non-mailable addresses, erroneous names and social security numbers to be removed to no avail. I choose to opT OUT of credit reporting practices unless notified by me, in writing. I sent Certified Mailings and have received no proof of mailing. I am considering mail fraud charges for all 3 credit bureaus. Acting on my behalf by disclosing my personal information, without permission is one definition of identity theft.
Product: Debt collection

Several months ago I had a charge on my checking account with XXXX Bank from XXXX, for {$30.00}. 

I did not authorize any such charge. I contacted XXXX, and was told I had no orders for that amount. 

I called XXXX and disputed the charge. 

Today I got a letter from TRS saying I owe XXXX {$30.00} for a stop payment. 

I never authorized any such charge to XXXX, and do not owe this debt.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!! 

Listed below are the Accounts that are being challenged : XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX below are the Inquiries that are being challenged : INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax informed me ( in the past, after over 1 year of investigations on my part ) that they " somehow SPLIT '' my Personal Credit Report into 2 SEPARATE Credit Reports due to an " INTERNAL ERROR ''. This created 1 NEGATIVE Credit Report that was shared with ( potential and existing ) Creditors, and 1 POSITIVE Credit Report that was " HIDDEN '' from the world. Equifax has continued to erroneously report ( or Delete ) positive Credit data from my Credit Report, but still manages to report NEGATIVE INFORMATION! This CFPB Complaint shows that EVERY SINGLE POSITIVE TRADE LINE which I am an AUTHORIZED USER ( AU ) of, ( including Terminated but still Positive AU status tradelines ) has been REMOVED from my Equifax Credit Report, yet still REPORTS ON THE 2 OTHER CREDIT BUREAU Reports. These positive AU Tradelines SHOULD BE REPORTING, as the AU Creditors are telling me that they ARE STILL REPORTING THE POSITIVE INFORMATION TO EQUIFAX. This is a CLEAR indication to me that Equifax CONTINUES to attempt to ILLEGALLY SUPPRESS my Positive Credit History and has been doing so for more than 3 YEARS. I will now list all Positive AU Tradelines that Equifax has removed or is illegally attempting to suppress from my Credit File : ( XXXX ) ( Account # XXXX ) ( Limit {$1200.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$2000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$5000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX XXXX  ) ( Account # XXXX ) ( Limit {$13000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX 'S ) ( Account # XXXX ) ( Limit {$1500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account XXXX ) ( LIMIT {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED Thank you, XXXX XXXX
Product: Student loan

Hello I am struggling with paying my student loans and Navient told me that I am not qualified for lower monthly payments. They are expecting me to pay XXXX a month which is ridiculous.
Product: Checking or savings account

It appears that Wells Fargo is up to its old ways of opening new accounts without permission. In late XX/XX/2022, I received a statement for a Wells Fargo Everyday Checking account dated XX/XX/2022. The statement was initially sent to an old address and forwarded by USPS. Per the dates included in the statement, the account was opened on XX/XX/2022. At no time in XX/XX/2022 did I ever contact Wells Fargo to open a checking account. I do have a credit card with them, but no other accounts. As well, the credit card statement comes to my correct address. Additionally, the checking account does NOT show up in my online account with Wells Fargo. 

I contacted Wells Fargo on XX/XX/2022, at ( XXXX ) XXXX and spoke with a representative, and made them aware that the account was opened without my request/permission. I was transferred to someone in the " fraud department ''. They supposedly closed the account and give me case # XXXX. Subsequently, I received a statement dated XX/XX/2022, but since it was shortly after my initial call I ignored it. Yesterday, I received another statement, dated XX/XX/2022. This leads me to believe that the account was NOT in fact closed at my initial request, so I decided to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in violation of FCRA. This account is CLOSED but still reporting a monthly payment of {$47.00} with a past due balance of {$64.00} and an overall balance of {$220.00}.
Product: Credit reporting or other personal consumer reports

I requested inaccurate information to be deleted from my credit report. The account is closed but they are reporting it as open. Every time I call them they say they will delete it but it continues to show on my credit report. I requested for them to provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect this. 
CKSPRIMEIN FCRA states under 15USC.1681 section 602 states I have the right to privacy and 15USC.1684A section2 states you can not furnish my information with out my written permission. 15USC.1666B sates a creditor can not treat a payment on a open account as a late payment. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please Provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect XXXX XXXX XXXX
Product: Debt collection

I sent a validation letter to professional finance on XX/XX/XXXX, requesting Validation of Debt and HIPAA authorization. On XX/XX/XXXX, I received a response, a printout of a statement from University XXXX XXXX, and a letter from Prof finance refusing to provide proof to validate the debt. Which is a violation of The Health Insurance Portability and Accountability Act of XXXX ( HIPAA ) Privacy and Security Rules. 

Not only did they refuse to provide proper documents, they violated Fair Debt Collection Practices Act XXXX ( 1 ). '' They provided me with a statement from the provider which is a total of {$730.00}, and trying to collect {$1300.00}. Again refusing to provide any documentation of where this extra {$570.00}. is coming from. 

I sent a cease and desist and requested removal from my credit report and have never heard back from them. This is now 6 months without it being removed or a response from them.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

How come that XXXX reports multiple CO in 24 months yet XXXX is all OK? Also different dates declared in Date last active. This is a shady report. Please re investigate or remove this from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the creditor letter for which they have approved to remove the fraud account from my credit report, i have already submitted this letter to both XXXX and XXXX, but still they have not removed this account except XXXX. 
XXXX needs to remove right away instead of disputing this account. 
thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

Deville asset management company is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. This company is not licensed in the state of North Carolina to collect a debt. I 've tried to contact this company with no response. I would like this company removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to achieve a copy of my Equifax credit report and place a security freeze after the Equifax data breach since XXXX XXXX, XXXX. I have n't got any success in getting a response through several phone call attempts and online requests. This is truly frustrating experience. It seems like Equifax completely stopped answering to any concern in this regard.
Product: Checking or savings account

Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX Financial Institution : Chase Bank JP Morgan XXXX XXXX XXXX XXXX, OH XXXX Account Information : Chase Business Complete Checking Account Account Number : XXXX Amount in Dispute : {$170.00} Date of Charge-Off : XX/XX/year> Complaint Details : I am submitting this formal complaint to the Consumer Financial Protection Bureau XXXX CFPB ) regarding a recent and unauthorized charge-off of {$170.00} on my Chase Business Complete Checking account with Chase JP Morgan . This charge-off was applied to my account on XX/XX/year>, as reflected in the attached statement. 

This charge-off is erroneous and stems from suspicious activity that I believe is the result of either an internal error or fraudulent actions. I am not liable for this charge-off and have not authorized any transactions or actions that would warrant such a charge. As a result, Chase JP Morgan can not hold me accountable or liable for this charge-off. Additionally, this is a legitimate claim and complaint that Chase JP Morgan can not deny. 

Relief Sought : I am seeking immediate restitution for the amount of {$170.00}, which was improperly charged off from my business account. I request that the CFPB : 1. Initiate an investigation into Chase JP Morgans handling of this charge-off and their internal controls to prevent such errors.

2. Ensure that Chase JP Morgan issues a full refund of the charged-off amount via check to my provided address.

3. Hold Chase JP Morgan accountable for any violations of financial and consumer protection laws, including but not limited to the regulations enforced by the FDIC, Federal Trade Commission ( FTC ), Office of the Comptroller of the Currency ( OCC ), and any other relevant authorities.

4. Require Chase JP Morgan to correct any reporting of this charge-off to credit agencies to prevent damage to my credit score.

5. Ensure that Chase JP Morgan acknowledges and accepts that this claim is valid and can not be denied or dismissed. 

This charge-off has negatively impacted my business, and I expect swift action to remedy this situation. Please ensure that Chase JP Morgan complies fully with all applicable financial regulations and consumer protection laws.

Supporting Documentation : Copy of the Account Statement showing the charge-off I trust that the CFPB will handle this matter with the urgency and thoroughness it requires. I look forward to receiving confirmation of the complaint and updates on the resolution process. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX
Product: Mortgage

Yesterday I received in the mail a what looked like large loan application packet from a company called  Loan Depot. I have  never applied for a loan with this company and found this concerning. I called the number on the forms and left a message. Today I received an email from  Loan Depot  thanking me for taking the time to talk to them about a loan. I have nor and am not applying for a loan, refinance, etc. with this company and find all of this highly concerning, possibly fraudulent, and I am concerned about identity theft.
Product: Mortgage

On XX/XX/XXXX a XXXX broker price opinion was scheduled for my home in an effort to remove PMI. On XX/XX/XXXX I submitted a formal appeal due to the XXXX  results in which I felt the appraisal received was considerably low. New Rez- my mortgage servicer did not submit this information to the investor XXXX XXXX for review until XX/XX/XXXX. This is unacceptable. I called constantly for updates and they dragged their feet. On XX/XX/XXXX I then re-inquired in a status in which I was given no definitive answer. XXXX XXXX has XXXX days to respond per rules they must follow. On XX/XX/XXXX I call again with no further updates. On XX/XX/XXXX I call again and reopened a formal internal complaint under new Rez case # XXXX, and received a formal response from New Rez. They acknowledged the long wait time and stated an additional 30 days would be required. 
This is unacceptable. New Rez purposely does not let you follow up with the department who handles PMI removal and purposely channels all customer communication to the customer service representatives who can not transfer you, nor relay your message to this department. I have been trying to remove PMI since XXXX and have paid {$180.00} each month since XXXX and request a final decision and response. New Rez purposely dragged their feet and do not allow customers direct access to the correct department in an effort to dissuade further follow up or action.
Product: Debt collection

To whom it may concern, I have recently pulled my credit report and noticed there's a collection listing from your agency.

I have never been notified of this collection action or that I owe this debt.

This letter is to inform you that I have a right to request a validation of this debt and your ability to collect this money from me.I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.
Product: Student loan

Thousands of students were scammed by XXXX XXXX, Nelnet, and now Firstmark into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX Ca. As a matter of fact, XXXX XXXX was investigated by multiple students and state legislators and was proven to be a for profit school that prayed on students so much so that a few months before graduations told students to come up with more money forcing us to take out loans to receive our diplomas. With promises of jobs after graduation. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as the XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX, and my Fed. loans of {$14000.00} were discharged and my credit repaired.

My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member. 
I am aware that XXXX was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that XXXX XXXX were XXXX " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for XXXX, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the XXXX settlement, didn't XXXX also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXX have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which XXXX is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? XXXX knows who we are. Under the FTC " Holder Rule '' XXXX is liable for giving predatory loans in connection with online for-profit schools. Time is running out for XXXX to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to XXXX 's CEO asking to discharge these loans NOW! It's time XXXX do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

XXXX XXXX XXXXXXXX? XXXXXXXX XXXX XXXX XXXXXXXX