23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended Georgia XXXX XXXX XXXX ( GA XXXX ) in XXXX, GA from XX/XX/XXXX-XX/XX/XXXX. I have several private student loans and have recently been trying to get my accounts in good standing as I am finally in the position to pay down some of my debts. XX/XX/XXXX I was contacted by a debt collection company, Regional Adjustment Bureau, about a defaulted student loan now owned by XXXX XXXX XXXX. They told me that the loan was a GTAM-MRU loan with an origination date of XXXX XXXX, XXXX. They told me that the balance with all the fees and penalties was {$45000.00}. After months of back and forth, On XXXX XXXX, XXXX, I agreed to settle the debt for {$31000.00}. On XXXX XXXX, XXXX I wired the money to the instructed account. I received a paid letter that the debt had been satisfied. Over the next few month I noticed that none of my MRU loans had been changed on my credit report as " closed '' or " settled for less than owed ''. I began to worry and called the collection agency. I was informed that it could take 90 days for this information to change on my credit report. On XXXX XXXX, XXXX I was contact by a different debt collector, XXXX XXXX XXXX XXXX, representing Turnstile Capital Management. They said they were calling to collect on the MRU loan opened at GA XXXX XXXX XXXX, XXXX. They said they would settle the {$26000.00} debt for {$13000.00}. I informed XXXX XXXX that this debt had been paid to a different collection agency on XXXX XXXX, XXXX for much more money than that. I asked them for the loan origination documents. They mailed me the loan origination documents. I also contacted Regional Adjustment and they assured me that the debt had been settled. When I asked for the extreme differences in the amount owned and I was informed that my {$31000.00} payment was for several loans that they had from me. I asked them to specifically indicate which loans they had of mine and where this money had been applied. I have never received those documents. XX/XX/XXXX I was again contacted by XXXX XXXX about this debt. I asked them for a contact number to XXXX XXXX XXXX and they could n't provide XXXX, so I googled them. After calling several numbers I reached a voicemail and was later called by a representative. This representative stated that NO payment had been received from XXXX XXXX and that the account had left their office on XXXX XXXX, XXXX because they had not been able to collect on the payment ; XXXX XXXX was now handling the collection of this debt. After many phones and extreme anger Regional Adjustment Bureau or XXXX XXXX XXXX has not returned my money or called me to discuss this issue. Regional Adjustment was not under contract with XXXX XXXX XXXX to collect this debt on XXXX XXXX, XXXX and therefore the payment MUST be returned. In addition, Regional Adjustment did not accurately report the amount of money I owed and falsely negotiated a settlement that surpassed the debt owed. I am demanding my entire {$3700.00} be returned so I can pay the correct debt collector {$13000.00} and have this mattered settled.
Product: Debt collection

They keep calling me and my family despite being told not to. I am tried of being humiliated. They know I am only receiving protected income XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$8300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Transunion since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were CHARGE OFF accounts 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 XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts are inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to remove accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaint XXXX, and XXXX & I am including it again., =XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX : {$640.00} =XXXX XXXX  XXXX Balance : {$2400.00}
Product: Credit card or prepaid card

Starting XX/XX/19 at approx. XXXX est, I attempted a purchase at XXXX for under 10 $ an amount that I was certain to have in my available balance, at minimum. This transaction was declined. I then attempted to log into the mobile app to verify I hadnt made an error. I was given an error message stating the mobile application is offline for scheduled maintenance. I tried to log into the website and seen a message there also that in general terms said the same, however stated the use of my card during this process would not be affected. I then decided to contact AMEX customer service where the representatives were answering calls with a pre determined response then immediately disconnecting without allowing customers to speak at all. On the 3rd call, I was forceful and prior to the rep disconnecting I demanded to be heard. She listened and then spoke telling me all cards ARE affected, and can not be used in anyway!! Imagine my frustration, and others, the website is falsifying the info, and no one has given any clear resolve yet as of XXXX est! I still have no use of my funds, no understanding of what has happened nor when to anticipate a fix.
Product: Checking or savings account

My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to finance a new car and ended up with XXXX hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 30 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I received one letter from Discover XXXX  card ( approximately XX/XX/XXXX ) company stating that if I do not use my card, it will be closed due to inactivity. I proceeded to try & use my card within the timeframe they given, and the card was declined/locked. I called discover for them to unlock my card and they informed me I need to do account verification first. I sent in the proper paperwork with my statements and a notarized form. Calling a few weeks later, because my card was still locked and the inactivity date was approaching. they then mentioned on the phone the notary I used was not acceptable and it had to be from a banking institution such as XXXX etc. The woman on the phone then gave me an extension to get it properly notarized. I then went to chase had it notarized and sent in via Discover XXXX I called the next day to make sure they received it and it was confirmed. I was then under the impression someone would get back to me to state my card was unlocked & ready to use. A few weeks pass by and the account was officially closed. I was never notified via email text message, phone call or letter by mail that they closed my account due to incomplete notary. I spoke to several different department on numerous occasions, following the error that was made on their behalf. Finally reaching to a supervisor named XXXX she stated that my account was closed in error and that she will re-open it once she verified my second notary. I never heard back from her, so I proceeded to call back again. I spoke to another representative stating that the decision they made was final, and they will not reopen my account. My card with Discover was then reported to the credit bureau. Bringing us to XX/XX/XXXX I contact XXXX from customer advocacy. She informed me she will start an investigation and get back to me. Today XX/XX/XXXX she informed me her investigation was final, and the decision for Discover was correct. It clearly states on my account it was closed in error. She proceeds to tell me my account was closed due to improper documentation. In addition to me speaking to XXXX, XXXX states XXXX told me it will be reopened over the phone. XXXX never informed me that it was re-opened or else I wouldve use my card to avoid the closure. Regardless, a proper letter or email should have been sent stating what we discussed on that day, and that my card was ready for usage. I stated to XXXX I was never informed via email or a letter in the mail that my account was reconsidered and able to be used. I come to find out after speaking to another representative named XXXX that works in XXXX office on XX/XX/XXXX to the XXXX. They gave me that timeframe to use my card when in reality I was under the impression my card was still unable to be used due to never being told I have from XX/XX/XXXX to the XXXX to use my card. XXXX continued to give me a hard time & talk in circles. I asked her how does a company close and reopen a customers account and not notify them she was unable to answer that question. Discover XXXX  card company illegally closed my account without proper notification twice.
Product: Student loan

Hello, On Thursday XX/XX/XXXX, I contacted Edfinancial via phone after receiving the news of Biden 's Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments totaling close to XXXX that I made through the payment pause that started in XXXX. I went ahead and asked them to do that but was surprised to find out that the quoted processing time by EdFinancial was a minimum of 150 days. 

It seems as though Edfinancial is the only student loan provider who is quoting these ridiculous wait times for their customers. Others student loan management firms are quoting and issuing refunds in the span of 3-8 weeks and anytime I tried to communicate with EdFinancial to get them to elaborate on their process their responses has been ambiguous and vague telling me to reach out to request status updates on my refund. The problem is that I've since reached out to them twice over email and have not gotten a response or a confirmation on my refund status. When I check my account balance, it still reflects the old amount so I am concerned they have not actually requested my refund. 

My biggest concern is that the 6 month timeline would mean that I am unable to begin the refund request until the new year, at a time when the money I paid in my student loans would be extremely useful to navigate some recent hardship.
Product: Credit card or prepaid card

XXXX XXXX XXXX Credit Card by Banco Popular de Puerto Rico. 

Annual credit card renewal date of XX/XX/2021. 
{$140.00} annual fee charged without prior notification on XX/XX/2021 Noticed annual fee on statement on XX/XX/2021. 
Closed credit on XX/XX/2021 with refusal to refund annual fee even though the card has not been used for over a year due to COVID and lack of travel.
Product: Debt collection

Company has called at all times of the morning and night i have requested them to stop calling they then resorted to calling my work phone which was absolutely unacceptable i also told them not to call back and they have continued
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Urgent Request Fraudulent and inquiries block under section 605B of the FCRA Account in Dispute : XXXX XXXX  Account # : XXXX Reported Balance : {$15000.00} Account in Dispute : XXXX XXXX Account # : XXXX Reported Balance : {$280.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identify theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action. 
Per section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 
Account in Dispute : XXXX XXXXXXXX  Account # : XXXX Reported Balance : {$15000.00} Account in Dispute : XXXX XXXX Account # : XXXX Additionally, I request the removal of all unauthorized inquiries to this identify theft : SXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX  Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were are not authorized by me and negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XX/XX/XXXX, confirming that the fraudulent XXXX XXXX  XXXX accounts and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate attention to this issue.
Product: Debt collection

I have not received any information regarding a credit card through XXXX and I have never had a credit card through this company. Collection company has never given me any documentation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those accounts to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Subject : Demand for Immediate Removal of an Inaccurate Account from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand for an immediate deletion of an inaccurate account from my credit report that is causing hardship to obtain approval of credit, that inline with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. While reviewing my credit report, I have noticed an account entry that is inaccurately reported and must be removed promptly to avoid legal actions. 
The inaccurate account entry is as follows : Creditor Name : XXXX XXXX, XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$7800.00} I assert that this account entry is inaccurate and violates my rights under the FCRA and relevant consumer protection laws for the following reasons : Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of this inaccurate account on my credit report constitutes a violation of these laws.

Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of this inaccurate account from my credit report unless the creditor wishes to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

XXXX. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditor and any consumer reporting agencies that continue to report this inaccurate account on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate account from my credit report and provide me with written confirmation of its removal within 10- 15 days from the receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a dismissed bankruptcy on my credit report and it is still showing. I inquired about filing a bankruptcy but I never paid for the service or even signed any papers to have the guy to file on my behalf. I've had no luck contacting the company that I was working with to file the bankruptcy which is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX. The guy that I worked with name is XXXX XXXX. I still have all the same debt that I had before I spoke with him about filing. Nothing happened with this except the fact that it was placed on my credit report causing an even more damage to my credit than the things I currently have on there. I really need this removed. Thank you very much!