23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX, a consumer ; am notifying you that I dispute this alleged debt purssuent to 15 U.S.C. 1692g is part of the Fair Debt Collection Practices Act ( FDCPA ), which is a federal law that aims to eliminate abusive practices in the collection of consumer debts and to promote fair debt collection practices. Section 1692g specifically addresses the validation of debts and requires that debt collectors provide certain information to consumers when they first attempt to collect a debt.

Heres an overview of the key components of 15 U.S.C. 1692g : Notice of Debt : Within five days of a debt collector 's initial communication with a consumer, they must send a written notice containing : The amount of the debt.

The name of the creditor to whom the debt is owed.

A statement that the consumer has 30 days to dispute the debt in writing if they believe it is incorrect or if they need additional information. 
A statement that if the debt is not disputed within 30 days, it will be assumed to be valid by the collector. 
A statement that the consumer has the right to request the name and address of the original creditor if it differs from the current creditor. 

I hereby inform you that I am disputing the information reported to my credit file regarding the account referenced below. 

Account Information : Account Number : [ Insert Account Number ] Creditor Name : [ Insert Creditor Name ] Date of Entry on Credit Report : [ Insert Date ] Nature of Dispute : [ Describe briefly the reason for the dispute, e.g., " This account does not belong to me, '' or " The balance is inaccurate. '' ] Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit report. I am requesting that you immediately investigate and verify the accuracy of this information. 

Please provide me with any supporting documentation or evidence that verifies the legitimacy of this account and the amount listed on my credit report. If you are unable to verify the debt, I request that you remove the account from my credit report. 

Additionally, I request that you provide me with an updated copy of my credit report reflecting any changes once the dispute is resolved. 

Thank you for your prompt attention to this matter. I expect a response within the 30-day period required by the FCRA. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had a Wells Fargo checking account from XXXX and was charged multiple times for not having enough money in my checking account then my account would go negative and I'd be charged again for overdraft fees. If I had less than {$200.00} in the account I would be charged {$8.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX ( Original Creditor : 07 XXXX  XXXX XXXX XXXX  ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX****
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

National Credit Adjusters continues to contact and harrass me over a debt that i paid in full back in XXXX XXXX to another agency. I have copies of my bank statements to prove that i paid this debt off in full back in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is as follows : - Creditor Name : XXXX XXXX XXXX - Account Number : Unknown - Date of Charge Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of first delinquency that led to the charge- off ( 15 U.S.C 1681 c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

Cash app is the worst if you make a transfer they'll cancel your transfer for no reason without even verifying with you like that's unprofessional if you ask me i transfer a XXXX to my sister it was cancelled and now my bank taking me through changes this is not right at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting a response from the credit bureaus regarding verification + validation for almost 1 year of a reported XXXX XXXX XXXX XXXX Experian, XXXX XXXX. the last date of action was taken on XX/XX/2022.
Product: Credit card

I redeemed my credit card points XXXX of them and the agreement was that I was to receive full value for the points {$55.00}. The organization after the fact closed my account and is preventing me from receiving full value for the points that I have earned by using my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 - I made a more specific attempt to resolve issue to XXXX  and TransUnion. 
Two accounts are being reported on my credit history that were opened via fraud. 
XXXX XXXX XXXX XXXX XXXX Line of Credit account and XXXX XXXX XXXX Credit Card. 

I recently sued XXXX XXXX related to employment I had with them in conjunction with the loans mentioned above. I sued in the XXXX Pennsylvania District Court - Case XXXX. My case was over Discrimination, Breach of Contract, Fraudulent Misrepresentation, Interference with Prospective Economic Advantage and Violation of Pennsylvania Wage and Payment Collection Law. Part of my issue with XXXX XXXX was that I they made me obtain the loans for XXXX XXXX benefit with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. These loans were granted using my Intern Salary which XXXX XXXX only paid me for a short period of time while preparing to open my office/agency. I had to use the funds from these bogus XXXX XXXX loans to the benefit of XXXX XXXX by purchasing XXXX XXXX marketing materials, XXXX XXXX mail and online ads, etc. 

I attached the lawsuit for your review. If you take the time to read the lawsuit, you will understand how and why I had to sue XXXX XXXX. While the case was settled, I still have the credit issues from the fraudulent loans that XXXX XXXX made me take during my Internship. 


XXXX XXXX XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report. 


XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response oh We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of your dispute on XX/XX/2018, the account which was reporting a deceased remark no longer appears on your TransUnion credit report. In addition, we have sent a corrected copy of your TransUnion credit report to XXXX XXXX. Just because you fixed it does not mean it did not happen. I demand Monterey compensation because I suffer from XXXX after being XXXX and had trauma after reading I was dead from your company incorrectly providing false information. This has harmed me mentally and physically along with financially! I will sue for {$1.00} XXXX dollars but Im willing to accept {$100000.00} thru the cfpb. Consider this mediation before I file a federal lawsuit for {$400.00} in the XXXX district of Missouri. Missouri law states I may claim money damages if anyone harms my report and you admitted to doing so. I dont accept your correction as the only form of resolution and if you dont pay me {$100000.00} a federal judge will look at these complaints after I file a motion of summary judgement and request {$1.00} XXXX.
Product: Student loan

I have been removed from American Education Services ( AES ) borrower benefit program ( BBP ) that reduces interest rates by 1 % after 36 months of on time full payments unfairly and due to AES searing me away from their automatic direct debit payment program. I was removed from the program due to a payment that was a few weeks late and a payment that was {$94.00} short of the payment since I was looking at an old bill. Had I been enrolled in their automatic debit payment program like I wanted to I would not have missed these payments. I was steered away from their automatic debit payments due to incorrect and misleading information. It is my belief that AES will not let customers that are trying to get into their BBP set up automatic debit payments since this will make it mush easier for them to qualify for lower interest rate. I was told in XXXX that I could not set up automatic direct debit program to pay more than the minimum payment. I wanted to pay more to pay my loans off sooner so I did not set up automatic direct debit payments at that time. I again questioned automatic direct debit payments on XX/XX/XXXX and was told that " Unfortunately the lender does not allow a paid ahead status '' and I could only make minimum payments using automatic direct debit payments and would have to send two bills to make extra or over payments. Since then I have found out that I can pay any amount over the minimum payment. AES continually gave me incorrect and misleading information. I have e-mailed AES customer service over 6 times the past 3 months with out any reply or a response about the incorrect information I was given. The continue to not take responsibility for their actions in this circumstance and have denied my request to honor the 1 % interest rate reduction I should be qualified for since XXXX that has resulted in 10 years of AES collecting higher interest rates from me unfairly.
Product: Credit card or prepaid card

Capital one closed my credit card due to a bankruptcy. I've never filed for bankruptcy and reached out to all three credit bureaus who all stated that my file has no bankruptcy. I've asked capital one where are they getting this information from but still haven't gotten an answer. Obviously it's a mistake but they automatically closed my account and embarrassed me at the store while trying to use my card. An investigation should of been done before assuming that I file for bankruptcy.
Product: Student loan

DIRECT STAFFORD SUBSIDIZED Loan issued XX/XX/XXXX for {$3500.00}. 
This is what my account is currently showing : Total Borrowed : {$3500.00} Outstanding Principal as of XX/XX/XXXX : {$3500.00} Outstanding Interest as of XX/XX/XXXX : {$2.00} Why is the principal of my loan higher than the amount I have borrowed. I have spent an hour on the phone with XXXX XXXX XXXX/XXXX ( XXXX XXXX XXXX XXXX, GA ) and they could not tell me why this extra {$68.00} was applied to the principal of my loan. I have never gone below full-time enrollment- yet alone part-time enrollment. I would like to know where this {$68.00} charge came from and why it was added to my account. 

I also would like to know why the Nelnet services do not explicitly breakdown the charges to date, to the cents- info the company has, yet the borrower of the loan can not access, and the interest accrued breakdown. 

Also, why is the amount of my loan " paid to date '' lower than the amount that the loan was originated for? Why am I paying interest on the original amount borrowed if that original amount has not been paid out. I do n't believe that I should be paying interest on an amount that has not been issued.
Product: Credit reporting or other personal consumer reports

XXXX XXXX late XXXX was never late XXXX dept of ed XXXX was never late o The law states that under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
The law also states that 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

And The law states that 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.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, the XXXX XXXX were reporting these XXXX accounts incorrectly : XXXX. XXXX XXXX XXXX with an open past due balance of {$1200.00} reporting. XXXX. XXXX XXXX XXXX with an open past due balance of {$960.00} reporting. XXXX. XXXX XXXX XXXX  with an open past due balance of {$740.00} reporting. These are collection accounts that are reporting not only as OPEN, but also shows past due balances.

According to the FCRA, I have the right to an accurate credit report. 15 USC 1681. I sent in a letter and the problem wasn't resolved.
Product: Money transfer, virtual currency, or money service

I open a cash app account XX/XX/2019 for personal since then they've been taking 2.75 % of anything that sent to my phone and so I started investigating more just a couple of weeks ago and I found out that they set me up a business account I did not set up a business calendar I open up that account for personal and they've been taking 2.75 % of anything that sent to my phone or to my cash app card since XXXX  cuz they're saying I had a business account I once I found out about that I disputed it and they refused to let me talk to a supervisor they refused to close refund my money because I opened a personal account not a business account I don't never open the business account I don't know how to open the business account they refuse to accommodate me or even speak to me in a proper manner and everyone that I've spoke to are Foreigner people and they're not willing to refund me my money back I never had a business account with cash at I don't even know how business get how you open the business account with cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint is against experian the other bureaus were easy to use. Repeated attempts to unfreeze report has failed. the online service is no help, telephone attempts are also useless the automated service will not take input you can not get to a live agent to resolve conflicts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following creditors/ credit reporting agencies have violated my rights. 

-- 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 -- U S DEPT OF ED/XXXX # XXXX -- U S DEPT OF EDXXXX # XXXX -- US DEPT. OF EDXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- XXXX XXXX # XXXX -- No Acct Name # XXXX -- No Acct Name # XXXX -- No Acct Name # XXXX -- XXXX XXXX XXXXXXXX -- XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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


Account name : XXXX XXXX XXXX  Account NumberXXXX Account Number : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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

Credit report is inaccurate I have been a victim of fraud and identity theft
Product: Credit reporting or other personal consumer reports

In XXXX of this year, I made a dispute with XXXX about my discover credit card since my increased limit did not reflect on my report. Instead of reflecting the correct limit, discover deleted the account off of my XXXX credit report. I've tried to get this resolved 3 separate things or an explanation for why this happened. I still use this card and have an open account. Also, discover still reports to the other 2 agencies.
Product: Credit card

Chase advertises that their XXXX XXXX XXXX includes both Lost Luggage Reimbursement and Baggage Delay Insurance when their card is used to purchase an airline ticket. On a recent family vacation, our luggage was lost by the airline but was later found. We received some of our luggage more than half-way through our vacation. One did not even make it and was returned back to our airport of origin. Our vacation was so stressful because of this experience. The only consolation was : we used the XXXX XXXX XXXX which carries both lost and delayed luggage protection. In fact, that benefit is the only reason why we chose to get a XXXX XXXX XXXX. 

When we filled a claim through Chase, we were told that we have to file a claim first with the airline. This was a surprise to us as nowhere in their disclosure that we have to claim with the airline first. So we filled a claim with the airline. The airline gave us a very limited compensation ( i.e., not even enough to cover the very stressful situation that happened to us during a family vacation ). We then filed a claim with Chase as they suggested. After weeks or months of producing documents for Chase, we were told that the " event did not result in a financial loss '' and they have to close the case. They essentially added insult to the injury! We wasted a lot of time producing the documents that they were asking for.

Chase advertising that their card carries Lost Luggage Reimbursement and Baggage Delay is highly deceptive. Nowhere on their ads did they say that benefit is applicable only when the airline did not compensate the card user. If we only know this caveat, we would not even use or apply for the Chase XXXX XXXXXXXX. Also, we decided not to purchase any other travel insurance coverage since we were thinking that the Chase card has all the necessary travel insurance benefits. We were deceived by misleading advertisement! We now want to close this card that carries a huge annual fee. Unfortunately, closing this useless card will impact our credit score.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX - XXXX
Product: Mortgage

As of XX/XX/XXXX my taxes were not paid. I did not have an escrow acct set up. I am on a fixed income since XXXX. I do not recall making any decisions of giving Bank of America the authority to pay my taxes, now I can not financially afford the payment due to this.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.