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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXXXXXX XXXX XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
3 Validate Account XXXX  Account Number : XXXX Please remove it from my credit report XXXX Account XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX  Account Number : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
11. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
13. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
14. Validate Account Account XXXX : XXXX Please remove it from my credit report.
Product: Consumer Loan

I have met and continue to meet the payment requirements however it has been placed in collections. I did initially fail to meet the payment obligation however paid the previouse month and current month XX/XX/XXXX as per a phone conversation with the point of contact. XXXX XXXX who works for XXXX XXXX I experessed to her I don want this to hit my credit she said no problem just pay the last month missed and the current month and continue to pay on time from now on so I have and XX/XX/XXXX it was placed in collection on my credit report. I continue to pay and have all receipts if needed however they report every month I make a payment. I want this pulled off my credit report since they are continueing to accept the payment terms as discuss as well as the fact I have not missed or been late since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX University XXXX violated my rights on XX/XX/2022. 
US DOEXXXX violated my rights on XX/XX/2022. 
Dept of Education/XXXX violated my rights on XX/XX/2022. 
US Dep of ED violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c The Federal Trade Commission announced today that its years-long investigation into XXXX University XXXXontinues to benefit consumers, as the U.S. Department of Education will forgive {$71.00} million in federal student loans for students deceived by the for-profit university, based in part on the FTC 's prior action XXXX XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Re : Wells Fargo # XXXX - Interest charges On XX/XX/year> I had a purchase at the XXXXXXXX XXXX XXXXXXXX of {$7.00}. 
On XX/XX/year> I was charged on the Credit Card {$7700.00} instead. This created the overdraft problem. 
On XX/XX/year> my checking account with Wells Fargo was charged {$15000.00} instead of the correct balance of {$8200.00}. Since the account was on auto pay full statement balance, I didn't notice until my checking account with Wells Fargo was overdrawn due to the overcharge of {$7700.00}. On XX/XX/year> the amount was returned but the damage was already done. 
On XX/XX/year> I called Wells Fargo to let them know I paid the overdraft amount right away so as not to incur interest charges. The customer rep said she waived the interest, but I have been getting charged interest every month since then. 

XX/XX/year> Overdraft protection {$290.00}, {$2100.00} = {$2400.00} XX/XX/year> Payment of {$2400.00} I called Wells Fargo and told them what happened but Im still getting charged interest every month. 

XX/XX/year> {$12.00}, XX/XX/year> {$25.00}, XX/XX/year> {$25.00} = {$64.00} How can I get this problem corrected? 

Thank you in advance for your help in this matter XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made several attempts to get an old student loan account deleted from my credit report. I sent a dispute letter to all 3 credit bureaus on XX/XX/XXXX asking them to remove all accounts associated with my old student loan. It is one loan that shows up as 12 different accounts. These accounts are well beyond the reporting limit according to FCRA regulations and also have been consolidated ( XXXX ) AND XXXX ( XXXX ). The consolidated loan also shows up on my credit report, which creates a duplicity. In XXXX of XXXX this same student loan was XXXX due to me being deemed 100 % XXXX by the XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I sent another dispute letter asking them to remove the inaccurate information from my report. I have yet to receive a response to either of my letters.
Product: Money transfer, virtual currency, or money service

This is my second complaint about transaction ending in XXXX. 

The company only gave me {$7.00} in a goodwill gesture. 

They should have compensated or issued punitive damages to me, at least {$60000.00}. They " forced my hand '' which is a breach of contract ( good faith and fair dealing ) and breach of the Thirteenth Amendment. It's also a nuisance, trespass, and breach of the Shopkeeper 's Privilege. Again, I won a multi-billion dollar default judgement against the XXXX  XXXX XXXX XXXX, and I am hoping that Venmo does not close my accounts because this matter will be sufficient to pay back Venmo anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting verification of the following account that Equifax continues to report on my credit file : Wage Earner Plan/Bankruptcy # xxxxxx. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. 
On Thursday, XXXX XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with XXXX XXXX XXXX XXXX XXXX XXXX and she informed me that a security freeze was placed on my account as of XXXX XXXX, XXXX, along with information suppression dated XXXX XXXX, XXXX. I have attached a copy of my security freeze and suppression confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
On Friday, XXXX XXXX, XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with XXXX XXXX XXXX XXXX XXXX XXXX and he also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. He also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX. 
I also contacted the U.S. Bankruptcy Court requesting their process of reporting bankruptcy information to the credit bureaus to which I was informed that they DO NOT report to ANY credit agency. I have included the letter from the bankruptcy court as well. 
I demand that this public record Wage Earner Plan/Bankruptcy # xxxxx is removed due to lack of verification and inaccurate reporting of verification date. The entire process of reporting a public record from the original source is a flat lie based on information given from the United States Bankruptcy Court. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying the account is verified. I demand that this unverified account : Wage Earner Plan # xxxxxxx is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : Wage Earner Plan/Bankruptcy # xxxxxxx is removed/DELETED PERMANENTLY due to lack of verification, INACCURATE REPORTING OF VERIFICATION DATE and invalid process of reporting a public record. Please help!
Product: Checking or savings account

I received a check on XXXX for {$3500.00} and submitted it for mobile deposit in my Ally checking account that day. On XXXX, I observed in my account that the check appeared to have cleared and {$300.00} was available for use, with the remaining amount set to become available the following day. On XXXX, I checked my account in the morning and confirmed that all of the check ( {$3500.00} ) was available in my account. Later in the day, I received a call from the person who wrote the check stating that their bank ( XXXX ) flagged the check for fraud and pulled back the funds because my name was handwritten on the check instead of typed like the rest of the text on the check. The person from whom I received the check informed their bank that the check was not fraudulent, and she confirmed that a new check would be issued to me for deposit. Shortly thereafter, I received an email from Ally stating that my accounts were locked and I needed to call. I called the fraud prevention department and answered all of their questions and also attempted to explain the situation to the best of my knowledge. I asked the agent to outline the next steps and provide a timeline for resolution. The agent was unable to provide a timeline for resolution and vaguely explained that there would be an investigation. I called back later in the evening and was rudely dismissed by the same agent. She was unable to explain what was going on with my case and what could be done to retrieve access to my accounts. I called the fraud prevention line again on XXXX and again spoke to the same agent. I requested to be transferred to another agent for assistance. The agent stated she would transfer me to the escalation line. After being on hold for an extended period of time, the agent stated that no one was available to speak to me and she would email someone and ask them to call me. I currently do not have access to XXXX savings accounts, a checking account, and an investment account. Ally is completely unwilling to provide any sort of explanation for how long their investigation will take, what it entails, and when I can expect access to all XXXX of my accounts. I am unable to even log in to Ally to see any of my account balances, and I have no way to receive my paychecks or access my money to pay my upcoming bills.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. XXXX, XXXX and Equifax continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX
Product: Credit card or prepaid card

I stayed in an XXXX. The description was nothing like reality. XXXX said I would be reimbursed for cleaning fee but I never got that credit.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( XXXX  ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( XXXX ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX  days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I requested that my loans be placed in forbearance through XXXX of XXXX because I would be away for military training ( XXXX ), and also that the military 's student loan repayment program will soon pay their share of my student loans. I was told that they would be ; later in XXXX I discovered that they were not and this adversely affected my credit score. I called the company to complain and a supervisor said that he would check the tapes to verify my claim that a representative from the company assured me that the loans would be placed in forbearance during this time. I did not hear back from the supervisor, but I did receive a letter from the company stating that my loans were approved for forbearance from XXXX XXXX, XXXX to XXXX XXXX, XXXX. This letter is dated XXXX XXXX, XXXX. Although my forbearance was approved, XXXX refuses to correct this on my credit report because the letter is dated for XXXX. I have consistently paid my account with them ( and all of my creditors ) on time, except for the two months that I thought the loans were in forbearance. I submitted a letter of good will pleading my case, and the company told me that they do not grant good will exceptions in any case after I called them twice to check on the status of my request. I have also disputed this issue numerous times, and each of my disputes were rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a car accident on XX/XX/XXXX, and XXXX did not cover the ambulance ride to the hospital. The bill was sent to insurance, and on XX/XX/XXXX I saw an 89 point drop on my credit score. I was wrongfully sent to a collections agency over a debt that is almost XXXX XXXX XXXX, and should not have been charged to me for {$1100.00}. The debt collection agency Phoenix Financial Services informed me I have to settle the debt in order to remove it from my credit and have wrongfully charged me {$340.00} to drop this off my record, when it should have never been sent to collections since this debt was billed to insurance and never billed to me.
Product: Debt collection

I keep getting calls and threats to damage my credit for this account and I have never used it before. Ive asked to be removed from this list and I am still being harassed. THERE IS NO PROOF OF ME GETTING THIS ACCOUNT SO DELETE THIS ACCOUNT IMMEDIATELY. Ive asked repeatedly to take this off my reports because I do not have an account with this company. PLEASE REMOVE FROM MY CREDIT REPORT AND AGENCIES WITH THIS INACCURATE INFORMATION!! IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt, Account # XXXX Account NameXXXX XXXX Account # XXXX Account NameXXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX Account # XXXX Account Name- US DEPT ED Account # XXXX Account Name- USDOE/XXXX Account # XXXX Account Name-XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account NameXXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX Account Name- XXXX ( Original XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account NameXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concerns, After viewing a copy of my credit report and after receiving many unwanted calls and attempts on XX/XX/2024, I noticed a collection account placed on my credit report from you in 2024. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and XXXX authorization. 
Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. Please send this information to my address listed above and accept this letter, sent certified mail and via the consumer financial protection bureau, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it ; is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Best Regards, XXXX XXXX
Product: Debt collection

I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! 
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning CFPB, I have attached a report, that can be open, to dispute items that are appearing on my credit report with Experian that are either not mine or are inaccurate. 
Experian is claiming they can not open the attached file and is instead sending me a mailed report so start a new complaint with that report. 
There is no need to do that because I have the most recent report, I have already specified which items I am disputing, and the complaint has already been assembly. 
Experian, according many consumer online boards complaints, is being difficult in starting a dispute, outright refuses to start one or is simple ignoring a complaint by providing a reason such as the one given to me on my closed CFPB complaints numbers XXXX and XXXX submitted on XX/XX/2020. 
Experian is not be properly being regulated to ensure consumer protection, since that have such a brazen response on consumer complaints. 
Please help. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts listed below : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX XX/XX/2021 XXXX XXXX XX/XX/2021, XXXX XX/XX/2021,
Product: Checking or savings account

I sent money to someone I know for tickets. the seller said the payment didn't go through so I sent it again. the agreement was the seller would refund it but in the end was unwilling to. I filled dispute with asperation bank and cashapp/ block did not assist me. 

claim you had mentioned in regards to the {$750.00} payment on XX/XX/XXXX. 

The claim you had filed about this transaction on XX/XX/XXXX is claim # XXXX. At this time, we've addressed the transactions you gave originally and have completed our investigation and closed this claim. 

Cash App is unable to cancel or refund this payment.