23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a parent plus loan for my son while he attended the XXXX XXXX XXXX   XXXX. The loan was originally Sallie Mae and is now with NAVIENT. The only success with help with lowering my payment was a forebearance, which only added more money to the parent plus loan. I have received a letter from XXXX XXXX on XX/XX/2018 telling me the if my delinquency is not resolved, your loans will default. Defaulting your loan ( s ) may result in the  following : Reporting of your default to each nationwide consumer reporting agency Offset of your federal tax refund and other federal government payments Garnishiing of your wages Assignment for litigation I am so tired of trying to lower my payments with no success. I need help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a Certified Debt validation letter to XXXX, Equifax, and XXXX  requesting the stated companies provide me with validation of debt for the five accounts listed on my credit report as negative/closed. These accounts are listed incorrectly on my credit report. I have yet to receive any proof of verification of the debts saying that I am obligated to pay them. I have sent in a total of three letters dated, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I have proof of the letters sent and reciepts for the certified mail. These five accounts are seriously impacting my credit score and is keeping me from obtaining new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle was totaled XX/XX/12. XXXX XXXX paid the remaining balance of {$3000.00} on XX/XX/12 to Credit Acceptance Corp XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. The vehicle mentioned had {$3800.00} of equity in it, which was paid to XXXX XXXX XXXX, XXXX on XX/XX/12. This brings me to the matter of the company listed here consistently reporting to my credit file as being a repo. Enclosed is a letter from the insurance company proving that they were paid and that they accepted the check and so did as I. Also, included are previous dispute letters requesting removal of the inaccuracies of their reporting to my credit file.
Product: Debt collection

JH PORT or whoever this is are reporting a collection debt that is not mine. I was a victim of identity theft and sent them the appropriate documentation as instructed from the FTC & XXXX XXXX. 

Please assist. Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union, XXXX, and XXXX keep reporting XXXX  on Credit, XXXX  XXXX XXXX XXXX and XXXX XXXX  as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.
Product: Debt collection

My elderly mother received a call from XXXX from a man named XXXX XXXX saying that I was going to be arrested if I did not return the call and the case # was XXXX. I called and reached XXXX XXXX. They said that XXXX XXXX was going to subpoena me regarding that docket number due to an unpaid payday loan XX/XX/XXXX with XXXX XXXX. I told them that I paid all debts regarding XXXX and that I knew this was an unlawful fraudulent call. XX/XX/XXXX another company claimed the same thing so I verified with XXXX that they were n't working with XXXX. XXXX XXXX told me that the debt collection company claiming this that they were working on behalf of was called National Credit Adjustors and to call them at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the FCRA Act 15 USC 1681 in section 602 the consumer reporting agencies should exercise their responsibilities with fairness and respect for the rights of the consumer privacy. XXXX, XXXX AND XXXX are considered consumer reporting agencies. And that makes me the consumer, I have the right to not share my private information 15 USC 6801, 15 USC 6802 ( b ) ( c ) Privacy Act of 1974, 15 USC 1681 ( c ) 12 CFR 1016.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute an account on my credit report that I know contains inaccuracies. Under the Fair Credit Reporting Act, specifically 15 USC 1681e ( b ) and 15 USC 1681 ( 5 ), I am entitled to have accurate information reported. 

The account in question is ( XXXX ) associated with ( XXXX XXXX ). Upon reviewing my credit report, I have identified several inaccuracies that do not accurately reflect my credit history. I request that you investigate this matter and update the account to reflect accurate information. 

Please be aware that, according to the aforementioned sections of the Fair Credit Reporting Act, all information reported must be 100 % accurate across all three credit reporting agencies. If this request is not fulfilled within 30-45 days, I will proceed with litigation to seek damages of {$1000.00} for each inaccuracy found on my report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX I see that XXXX is the only credit burial that applied the attention to my other laters and made an update to this late payment. All I am asking at this point is for XXXX XXXX Experian to update this payment to paid in full or on time as XXXX has done. 



The following attached document of the bank statement is prove that I summited a payment to XXXX XXXX the XXXX of XXXX in XXXX which is the time they reported me as late.
Product: Checking or savings account

On XX/XX/2022 I reported unauthorized transactions i couldnt dispute all at once through the automated system so I disputed XXXX and contacted customer service no one responded until XX/XX/2022 which is the day I filed my dispute today I got a notification saying there were no errors when I dont even have a point account and thats were mostly The transactions were made in the pdf of denied dispute there is no contact info for appealing the decision
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. 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. 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. Equifax, XXXX and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I demand the following accounts be verified or deleted immediately. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please explain how you verified this late payment from XX/XX/XXXX when there was never a late payment of XXXX  days. 
XXXX XXXX Account Number : XXXX If unable to provide proof of this late payment and explain how you verified it then please update to paid as agreed never late. 

XXXX. Please provide your method of validation on how this account was verified as accurate when it is a CHARGE OFF account reporting as open and with a PAST DUE amount of XXXX CRCU Account Number : XXXX If unable to provide your method of validation then please delete immediately. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX XXXX XXXX 
Account Number : XXXX Please delete immediately. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This afternoon, I was taken aback to find inaccurate accounts on my credit report with no clue as to why they appeared. I check my report regularly, and this time, these errors seemed to come out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the inaccurate accounts remained. Given this unsettling issue, I am requesting a careful review of the documents Ive submitted so I can have peace of mind moving forward.
Product: Debt collection

I was living at XXXX XXXX ..in XXXX Texas ... During XX/XX/XXXX-XX/XX/XXXX year .... I moved out ... And the management company .... Put a false owed balance on my credit report and said I had bed bugs and they had too treat the problem .... Very suspicious behavior and illegal .... Actions .... I'm wanting criminal charges whom ever was involved ... And that money paid back too me ... In full ... ... very poor management and complex ... drugs and fighting and barely no security .... There ...
Product: Checking or savings account

My XXXX XXXX  account was hacked by a woman named XXXX XXXX and unauthorized transactions made for two XXXX XXXX XXXX XXXX. I never knew I opened a XXXX XXXX  account until I was negative {$870.00} in my bank account caused by this XXXX XXXX. I since called my bank and disputed the transaction, received a provisional credit from my bank, called the police to file a police report and contacted XXXX numerous times to take the steps I would need in order to secure this XXXX XXXX account that was opened for me because I decided to subscribe to their XXXX  streaming service. I only want my money back from my bank permanently as I do not know this person in the slightest. I also want her charged for cyber crimes and theft. Here is her full contact information and I also have photo receipts if needed from the XXXX delivery as well as purchase receipts on my XXXX account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX. This is a statement verifying my identity, along with my proper identification. In accordance with 15 USC 1681 ( h ) I would like to receive correspondence to the below address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any future correspondences from this day forward is coming from me. 

Experian was sent a letter disputing information being reported on my consumer report from me and was received by the company on XX/XX/2022. 

Report # XXXX
Product: Money transfer, virtual currency, or money service

So on XXXX I texted a dude on Marketplace with the name XXXX XXXX and he was selling a XXXX for a good price so I texted him and asked how much and he told me and so I asked if he would take XXXX and he said yea and then I asked him where he lived and it wasnt to far from me about an hour and then this is where I shouldve stopped dont know why I didnt he asked me to make a deposit of about a XXXX $ so that I could have it in my name so no one else could take it. I told him Ill j take the risk and wait and thats a few days ago by and he texted me and said if you just give me {$150.00} for it XXXX you the XXXX the controllers and all the cords so XXXX like ohhh XXXX betttt. So then I told him I would send him the XXXX when I go up to his house to meet him and he tells me to just cashapp it to him now because he isnt going to be at his house and that XXXX just leave it on his porch. So XXXX like nah we have to meet up and then when I see it XXXX send you the money. So then a few days go by again and he text me aye if you send me {$120.00} to get a new key for my car and some gas that he could just drive it up to me. At this point its been forever and I just want the XXXX thing so XXXX XXXX it and sent him {$120.00} on cash app. His cashapp is @ layingtickets. And so hes like awesome XXXX be leaving soon and so XXXX bet and then a few hours go by and I ask where he is at and he text me back saying he is XXXX minutes out and thats when he hasnt texted me since and XXXX blocked me on XXXX and took down the listing. Please Im literally struggling so bad and yes I know it was very XXXX  to do. EDIT : this is my second complaint now, my first case got closed due to them not be able to verify that it is my account. I dont know how else Im supposed to verify that it is my account but I need this fixed asap please because Im really struggling and that money was a lot.
Product: Payday loan, title loan, or personal loan

I am reporting fraud on an account with XXXX XXXX XXXX furniture. I did not open the account, the account was opened by someone else using my name. I noticed the activity on the account in XXXX of XXXX. It was opened in XX/XX/XXXX. The account was opened in XXXX XXXX, I live in XXXX. I have reached out to the company and let them know it is fraudulent. I am waiting to hear back from them on whether or not they are declaring it fraudulent. I even have a police report. Whoever opened the loan up in my name is no longer paying it, so my credit score is dropping dramatically.
Product: Debt collection

XXXX XXXX XX/XX/year> CREDIT COLLECTION SERVIC, XXXX XXXX XXXX XXXX, MA XXXX Subject : Request for Debt Validation Dear CREDIT COLLECTION SERVIC, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. The details of the debt in question are as follows : Creditor Name : PROGRESSIVE In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. o The name, address, and contact information of the original creditor.

2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied.

3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector.

4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations. 
5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. 
Please confirm receipt of this letter and provide a written response within 15days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment for a credit card from BARCLAYS BANK, DELAWARE XXXX XXXX XXXX XXXX, DE XXXX that was opened in 2021 under my name, I never opened a credit card with this account and have idea how this happened, XXXX XXXX XXXX XXXX  and can not go home for the holidays now because I wanted cant apply for an airline credit program that would have been able to help with my ticket because these charges dropped my credit score so significantly. This bank has multiple reviews online saying its into shady business and currently has one star on XXXX,
Product: Credit card

I am seeking assistance in resolving an issue with unauthorized charges on my Bank of America Visa credit card Account # XXXX XXXX XXXX XXXX. Despite my multiple efforts over several months to resolve this matter directly with the bank, I have encountered challenges and would appreciate your guidance. 

Summary of the Issue : Unauthorized Charges from XXXX XXXX : I discovered recurring unauthorized charges on my Bank of America Visa credit card from XXXX XXXX, amounting to {$130.00} per month. I even contacted XXXX XXXX about these and they had no record of my buying anything from them, I turned those documents to the Bank of America as proof but they still neglected to stop those charges. 

Bank of America 's Lack of Resolution : Despite my continued efforts and formal letters supported by clear evidence from XXXX XXXX confirming the unauthorized nature of these charges, B of A still didn't stop those charges, until XX/XX/2024. 

Ongoing Concerns : Even after disputing the charges and continuous communication, I noted that Bank of America allowed another charge from XXXX XXXX, which raises concerns about their internal processes. 

Requested Assistance : Reversal of Unauthorized Charges : I kindly request your assistance in ensuring that Bank of America promptly reverses all unauthorized charges from XXXX XXXX on my account, totaling {$4100.00}, along with any associated interest charges. 

XXXX on XXXX : As a consumer, I am uncertain about the steps to take in resolving this matter. I would appreciate any guidance or recommendations you could provide to facilitate a fair and timely resolution. 

Documentation Attached : Copies of statements showing the charges. 
Email correspondence from XXXX XXXX confirming no record of ownership or authorization for the charges. 

Your intervention can help bring a fair and amicable resolution to this situation. Your support in guiding me through the necessary steps and facilitating communication with Bank of America would be greatly appreciated. 

Thank you for your time and attention to this matter. I look forward to your guidance in resolving this issue.
Product: Credit reporting or other personal consumer reports

It seems I am always I am always reaching out on XXXX, Equifax, and XXXX to update my credit report and display correct information and my credit score. I have paid off all my credit card accounts and use them at various times to keep active. I have paid off my car loan to XXXX and opened a new car loan through XXXX. 
XXXX XXXX and XXXX XXXX are constantly emailing daily to tell me my credit score can be better, however I pay everything off at the end of the month and that is not reflected in my credit score! 
This is not right that I am constantly reaching out to you to fix this. These credit bureau agencies should be held accountable. 
What can be done??
Product: Student loan

Presentment letter never received Contract sent to several different credit collection companies. Stated loans consolidated and or places in deferment and all are under same company. 2 were not places.
Product: Prepaid card

I bought a Google Play card from XXXX which activated it. I went home to use it and Google would not let me redeem it in their Google Play Store. Google said the card was not activated by the store, however everyone knows that the purchase of a Gift card at a XXXX automatically activates it. I went to Walmart and they said that they could not help me because their was no refunds. I contacted Google support which took me about a week to find, and Google said they can't do anything about it. I sent Google both sides of my reciept from XXXX as requested and pictures of both sides of the gift card I bought. After Google requested I send them this, Google came back and said they are not going to honor the purchase and that they are keeping my money. Now I know Google is in court alot for Fraud and other laws that they break, but I'm not letting these criminals get away with stealing my money. The Google rep even told me that she sees it was paid for, and still sees the amount on the card. Then said, we are still not honoring it. This is the most CROOKED answer I've ever gotten from a US company, even if most of their employees are in XXXX. I've seen thousands of reviews online about Google stealing money throught gift cards. I want this posted on your site and FTC. Its sad they don't have phone numbers to call and use that to get away with massive crime. THIS COMPANY IS THE BIGGEST FRAUD I HAVE EVER EXPERIENCED, AND WERE BLUNT ABOUT HOW THEY WERE KEEPING MY MONEY. I have all the emails to prove it!!!
Product: Checking or savings account

Greetings, I preface my complaint by stating that I am a former employee of XXXX XXXX XXXX XXXX, " the bank ''. 

During my employ, over 16 years, I maintained a " free '' ( free as it relates to monthly maintenance fees ) checking account. Upon my departure from the bank, XX/XX/2016, I noticed a monthly {$10.00} Service charge on my account. At first, I thought that this was some sort of error that would auto-correct the following month. To my surprise, and after a careful review of my checking account, I realized that the bank has continued to illegally charge my checking account a {$10.00} monthly Service Charge since XX/XX/2016. 

I use the word " illegal '' for the following reasons : 1 ) XXXX XXXX has failed to supply me with any relevant and proper deposit account disclosure ( s ) regarding my checking account as it pertains directly to the new application of fees. I call upon the bank to produce any/all correspondence/information evidencing that I was duly notified that fees would be applied to my checking account. 

2 ) The bank, to this date, offers " free '' checking accounts, with no minimum balance and no monthly service charges. Why am I not afforded the same product or account type? 

3 ) Finally, it is my view, taking all of the above into consideration, XXXX XXXX XXXX XXXX has willfully engaged in an unfair, deceptive and abusive act. 

Per this complaint, I am demanding that all fees assessed to my account be refunded and that my account be reinstated to its " free '' status, void of any monthly service charges. 

Thanking you in advance for your prompt response. 

Respectfully, XXXX XXXX XXXX