23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, I made a {$920.00} payment online to cover payments for principal and interest on Loan Nos.3, 4, 6, 10, 12, 13, and 14. I also tried to pay-off Loan No. 8 but could not figure out how to make that payment so it would pay-off the loan, so I called XXXX  XXXX XXXX. I spoke with XXXX at XXXX  XXXX XXXX and told him I wanted to pay-off Loan No. 8. He told me the call was recorded, the pay-off balance was {$970.00}, took my checking account information, and said he made a payment for {$970.00} on Loan No. 8 that would pay-off the loan. 

On XX/XX/XXXX, I checked my XXXX XXXX XXXX   account, and the {$970.00} payment had not been applied to pay-off Loan No. 8 but instead was applied in various amounts to pay the principal and interest on Loan Nos. 3, 4, 6, 8, 10, 12, 13, and 14. I called XXXX  XXXX XXXX and spoke with XXXX ( Employee No. XXXX ) and told her I wanted the {$970.00} payment to be reversed because it was supposed to be applied to Loan No. 8 to pay it off but instead had been applied to the principal and interest on all the loans. I also explained the {$920.00} payment that I made online to cover the principal and interest on Loan Nos. 3, 4, 6, 10, 12, 13, and 14 also needed to be reversed because that payment was only applied to principal and not interest ( XXXX XXXX XXXX applied the {$970.00} payment first, so it covered the principal and interest on the loans. Thus, when the {$920.00} payment was made, it only covered the principal on the loans. ) I told XXXX I wanted to make sure that when XXXX  XXXX XXXX reversed the {$920.00} payment it applied the payment to pay the interest that was due on XX/XX/XXXX and not the interest that was due as of the day the adjustment was made. I said it would be very easy to figure out because the {$970.00} payment covered the interest as of XX/XX/XXXX, so the amount should be the same when the adjustment is made for the {$920.00} to cover the principal and interest as of XX/XX/XXXX. 

XXXX said she would put in a request for the adjustments to be made, and it would take up to 5 to 7 business days for the adjustments to be made. I called XXXX XXXXXXXX XXXX on XX/XX/XXXX to make sure these adjustments were in progress. The representative I spoke with told me that notes were in the system to make the adjustment, but it could take up to 30 days for the unless the representative put in a special request to expedite the adjustments. The representative explained there was no way to determine if the expedited request was made because that request would be made by email and was not notated in the system. She said she would send an email to financial management to have this adjustment expedited and would notate this in the system.
Product: Debt collection

Repeated harassing calls. I have never provided this business with my phone number. These calls come at all times to include early morning as well as late night.
Product: Debt collection

I contacted Midland Funding LLC in XX/XX/2018. I have asked them to provide me with specific information regarding the said account of XXXX and account XXXX. They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. They did not send me a contract between them and the alleged original creditor showing that they in fact do own the debt and or have rights to collect on the said debt. They did in fact send me a falsified document that supposedly came from the original creditor, but when contacted the original creditor had no knowledge of the alleged debt, nor the letter that was sent by Midland Funding LLC, which leads me to believe it is a document they created themselves and used the original creditors information and logo fraudulently. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. We are already in court over account XXXX and my attorney is prepared to present this case. We are submiting this claim to help future concumers and to also show that we exahalted all revenues to remedy the matter at hand.
Product: Checking or savings account

I own a business that has its checking account at Eagle Bank. One of my personal checking accounts is held by Eagle Bank also.

One of my senior employees is authorized to undertake specific actions for my business checking account. She has nothing to do with my personal finances. 

An employee at Eagle Bank emailed my employee to ask about transactions on my personal account. They sent an email with check images that I had written as part of managing my personal finances. They asked my employee about these checks. 

My employee contacted me to ask about the checks before I was aware that Eagle Bank had shared 6 check images from my personal account. This was embarrassing for me and my employee. 

I should expect Eagle Bank to protect the privacy of my personal financial information. They should have in place sufficiently strong procedures to ensure that one of their employees does not share personal financial information incorrectly in a situation such as mine. 

I contacted the Eagle Bank employee to tell her of their error. I spoke to someone that identified themselves as a branch manager, though I do not know that person. She apologized and said she would write to me with a more formal explanation of what had happened. That person has not written to me. 

I contacted my relationship manager at Eagle Bank letting him know that my personal financial privacy had been breached by one of their employees. I asked him what would be the best way forward. He has not responded. 

The protection of personal data and personal financial information is extremely important. These should be core competencies of a bank. Eagle Bank has failed to fulfil these requirements and is not prepared to discuss the significant mistakes it has made in my case.
Product: Vehicle loan or lease

It has come to my knowledge that my finance company that I have a loan from has done fraudulent activity, in my contract there doesnt seem to be a Sum of all the charges including insurance on the vehicles. And no one has ever discussed the sum of all charges with me, also this is a Consumer credit transaction but there was no cash or a check handed to me. The dates of these are XX/XX/XXXX. The loan amount was XXXX XXXX My second loan date was XX/XX/XXXX. This amount was for XXXX $ both of these loans did not go over the limit they granted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau Subject : Dispute of Inaccurate Credit Reporting Dear CFPB Representative, I am writing to formally file a complaint against TransUnion for failing to provide accurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( a ). Upon reviewing my credit report, I noticed discrepancies in the reporting of my rental payments under the account
identified as XXXX. Specifically : 1. My rental payments for XX/XX/XXXX and XX/XX/XXXX are not updated on both reports XXXX XXXX, XXXX. It's showing date of Last Activity XXXX XXXX 2. My rental payment for XX/XX/XXXX, is completely missing. 



Enclosed with this letter, I have provided the following documents as evidence : 1. A screenshot of my TransUnion credit report showing the missing and incomplete information.

2. A statement from my rental management account showing the payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 



These inaccuracies are not only misleading but could negatively affect my creditworthiness and financial reputation. Under the FCRA, TransUnion is obligated to ensure that all furnished information is complete and accurate.

I kindly request the CFPB to investigate this matter and compel TransUnion to update my credit report with the correct payment history for the account in question.

Please confirm receipt of this letter and let me know if further documentation is required. I look forward to your prompt response and resolution of this issue.

Thank you for your time and attention to this matter.

Sincerely, CFPB TRANSUNIONS NOT COMPLYING ALSO VIOLATES. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater ;
Product: Credit reporting, credit repair services, or other personal consumer reports

These inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX
Product: Debt collection

INCORRECT AMOUNT OF DEBT Jenkins & Young, with knowledge inherent, made an assumption of risk and is not entitled to judgment. Jenkins and Young failed to provide evidence of how the alleged debt was calculated based on the original contract, billing statements, and so forth for the purported credit card.

MISTAKEN IDENTITY Jenkins & Young further fails to provide evidence of any relationship with XXXX XXXX assignee of XXXX. Moreover, Jenkins & Young further fails to allege that the Assignor even has knowledge of this action or that the Assignor conveyed all rights and control to Jenkins & Young. The record does not disclose this information and it can not be assumed without creating an unfair prejudice against XXXX XXXX. 

In addition, Jenkins & Young violates the Statute of Frauds and limitations as the purported contract or agreement falls within a class of contracts or agreements that are required to be in writing. The purported contract alleged by Jenkins & Young was not in writing and not signed by XXXX XXXX or by some other person authorized by XXXX XXXX and who was to answer to the alleged debt, default, or XXXX of the other person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized, and I ask that you delete them : Inquiry from BARCLAYS BANK DELAWARE on XXXX XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Medical debts are not allowed to be reported with out my consent hippa law violations will sue if these debts are not removed from my account/account never belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters and called multiple times to the credit bureaus about how they're violating the fair credit reporting act 15 USC 1681i ( 5 ). The credit bureaus said everything was completed and accurate and i asked them how if the date opened is wrong. 

I also asked for description of the investigation according to 15USC 1681i ( 7 ) and it was not given to me although i have proof of my letter and complaint sent to the FTC.

Also according to 15 USC 1681 s-2A " 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 information is inaccurate '' Too many violations are causing me and my family distress and holding us back in many financial aspects. I ask that the credit bureaus be held accountable
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}, U S DEPT OF EDXXXX XXXX Balance {$3100.00} , U S DEPT OF EDXXXX XXXX Balance {$5100.00} XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX & XXXX XXXX Balance {$200.00}, XXXX & XXXX XXXX XXXX {$610.00}.
Product: Checking or savings account

I filed several disputes with Netspend concerning a Netspend Small Business account. They suddenly closed my account and advised me that they found no error although I provided them with copies of  Bank statements showing that my company paid for the charges and that my card should have never been charged. they also closed an additional account now not allowing me any recourse to dispute those transactions as well.
Product: Credit card

I received a letter dated XX/XX/XXXX from Synchrony Bank regarding my Care Credit claim. The letter stated my account would be credited for the amount of the award I received from the claim in accordance with the terms of the CFPB agreement. I received a statement on XX/XX/XXXX that my account was credited {$300.00}. When the claim was initially filed against Care Credit, I was told by Care Credit that the disputed amount on my account was {$390.00}, not {$300.00}. When I contacted Synchrony Bank on XX/XX/XXXX to inquire why the amount was different from what I was originally told, I was informed that the amount had been pro rated. I asked for an explanation on the procedure used to pro rate the award and was told that they could not provide me an explanation because the amount had been determined by CFPB. I informed Synchrony Bank that I wanted to dispute the amount until I was provided with an explanation of the difference and was informed I could not dispute the amount. I asked for a phone number for CFPB which they provided. I contacted CFPB but the representative was not able to explain why my account had been credited a different amount from what I was originally told by Care Credit. On XX/XX/XXXX, I made an online payment to my Care Credit account in the amount of {$5200.00}. When I received my statement, I had only been credited {$4900.00}, a difference of {$390.00}. I contacted Care Credit to inquire about the difference and was informed that the {$390.00} was the amount of finance charges in dispute related the the complaint filed with CFPB. Since XX/XX/XXXX, that amount has remained unchanged and I have received monthly statements from Care Credit indicating my balance was {$390.00}. Since Care Credit determined the amount of my account that was in dispute, I am requesting an answer from the company about the difference. My account now shows I owe a balance of {$89.00} after the {$300.00} credit was applied ( {$290.00} finance charge refund on XX/XX/XXXX and {$13.00} finance charge refund on XX/XX/XXXX ). I feel I should have been credited {$390.00} as I was originally informed this was the amount of finance charges in dispute and the company did not explain why I was credited a lesser amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to Experian via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my Experian credit report 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  I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A company by the name of Phoenix Financial Services is trying to re-age a debt of mine, for {$1000.00}, initially under the XXXX XXXX collections. The original date for the account was XX/XX/XXXX. Phoenix Financial Services is reporting that the debt is from XXXX. Attempts to get them to correct it have gone unnoticed. My husband had the same thing happen with a medical debt from a different year, also originally with XXXX XXXX, and they're attempting to re-age that as well. His is from XXXX, in the amount of {$120.00}, which we are aware would still be reflected on his credit, however they're listing the debt as from XXXX like mine on his reports, which would extend it yet another 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

so check this out, I went to get a job and was denied due to things on my report that don't belong to me. there is a car loan, things that went into collections and hard injuries that don't belong to me at all and they are a result to identity theft.
Product: Debt collection

Contacted company about 4 months ago to ask for debt validation proof. They then sent me letter recently of a computer print out stating i supposedly owe the debt of XXXX $ but can not prove its mine. On the letter they stated they would no longer contact me. Its still on my credit report. I have uploaded picture of letter.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. My concern pertains to a disputed account listed by XXXX, which I believe has not been properly investigated per federal regulations. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised significant concerns regarding XXXX 's practices. Specifically, the CFPB has alleged in a lawsuit that XXXX failed to conduct proper investigations and engaged in sham practices that violate its obligations under the FCRA. 

According to XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), XXXX is required to conduct a reasonable reinvestigation of disputed items within XXXX  days. Additionally, under XXXX XXXX. XXXX ( a ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

The specific item I am disputing is as follows : Account Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX  XXXX, NY XXXX Details : A credit card allegedly opened in XX/XX/year> with an initial credit line of {$500.00}. The account is marked as a " charge-off '' with a reported balance of {$2000.00}. 

I do not recognize this account, and I believe this information is inaccurate. Therefore, I am requesting a reinvestigation into the validity of this account and Experians compliance with the FCRA. 

Please review this matter and provide guidance on how this issue will be addressed. I am counting on the CFPB to help ensure that credit reporting agencies adhere to their legal obligations and protect consumers like myself from inaccurate or unverifiable information on credit reports. 

Thank you for your attention to this matter. Please feel free to contact me should you require further information or documentation to assist in your investigation.
Product: Credit card

I have been trying to have this bloomingdales credit card that DOES NOT belong to me removed from my credit report. I NEVER OPENED UP A CREDIT CARD WITH BLOOMINGDALES. this is fraudulent and I have been trying and fighting with them and the credit burea for over a year and they will not get rid of this account and take it off my credit report. I do not know what to do. this is making me have a low credit score. I recently graduated from college and I can not get any credit due to this being on my account. 

PLEASE HELP ME!
Product: Student loan

I tried to make a payment on my student loan in the beginning ofXX/XX/XXXX. When I logged into my account with XXXX, a notice came up with " your loan has been transferred, please click here '' ( Please note that in the 15 years with XXXX, I never had an issue with them ). 

I clicked the link and it took me to Navient LLC. I had to register with them. I was given no other notice that they owned my loan. 

I consolidated my student loans in 2002, into one loan. Navient shows that I have two loans. Repeated requests to explain were met with, that 's just how we allocate loans. 

They do n't seem to understand the the definition of consolidate. I had two loans - then consolidated them into one loan. The purpose of this was to have one payment. Their own correspondence to me shows I now have two loans. How is this possible? 

They also can not produce the promissory note i signed when I consolidated my loans. How do I even know they own my loan and that I have to pay them. I believe they are running a scam to earn more interest.
Product: Checking or savings account

I am to formally express my concerns regarding Wells Fargo XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution- Wells Fargo failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Wells Fargo has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.