23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have contacted XXXX multiple times and got different answers every time. Unfortunately, I did not keep record of all my phone calls. I have also sent some emails which were returned with a generic response to call in or in some cases, I never received a response at all. Regardless, I had my loans transferred to them around XX/XX/XXXX. My first payment directly to them came out in XX/XX/XXXX. I was told then that they could calculate my number of applied payments for PSLF as soon as they received the information. I still have a number of 0. I have been told multiple times they are waiting on information. They then said they had all the information and my documents were in line to be reviewed. Then I was told that the previous loan servicers didn't send them everything but it was being escalated to a supervisor and I should expect it to be resolved within a month or two. When that didn't happen I called back in again. They said they sent it to their supervisor again this time. The last person was not very helpful or nice. She said they had everything but it'd be awhile since I only started making payments in XX/XX/XXXX-XX/XX/XXXX year. She wouldn't tell me anything other than it'll be awhile. I keep being told one minute they had everything. Then they said they need more information and then again that they have everything. Over and Over it seems. It just never stops. I have been making payments directly to them for nearly a year now and still have nothing. I haven't turned in a new verification form because they won't load my old ones and I want to know when those are loaded. I have looked for places to report the issue to and can not find anywhere else related to the government to report this to. This program has turned into such a sad thing. I have read online many people who should be approved are also getting denied. I really wish the government would in step in and do something!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized access of my student loan information by the XXXX XXXX XXXX XXXXXXXX ( XXXX ), led by XXXX XXXX. Recent reports indicate that XXXX  has gained access to sensitive data, including personal and financial details of student loan borrowers, without proper authorization. 

This unauthorized access raises significant concerns about the privacy and security of my personal information. I request the following actions : XXXX XXXX : XXXX a thorough investigation into the extent of XXXXXXXX XXXX access to my student loan information. 

Confirmation of XXXX XXXX : Provide written confirmation that my personal and financial information remains secure and has not been compromised. 

Preventive Measures : Outline the steps being taken to prevent unauthorized access to borrower information in the future. 

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TransUnion and all 3rd party unauthorized credit reporting agencies.

Subject : Request for Deletion of Credit Report Dear XXXX XXXX, XXXX, TransUnion and all 3rd party unauthorized credit reporting agencies.

I am writing to formally request the deletion of my credit report due to multiple security breaches and the lack of any active lines of credit under my name. I have experienced five security breaches, including incidents involving XXXX, for which I have received settlements. Additionally, I was affected by a recent credit breach from XXXX XXXX XXXX. 

According to the data breach website, my Social Security number and personal information have been compromised by these companies. Given this information, my credit report should have been locked, and there should be no listings or open lines of credit. I have not had any credit accounts for over five years, and due to health issues, I am no longer driving, further reducing my need for credit. 

Furthermore, I request the immediate detection of my credit report to prevent any unauthorized access and the removal of my information from all third-party pre-approval lists. I believe that all three credit bureaus ( XXXX, XXXX, and TransUnion ) should have refrained from sharing my information without my consent. 

I also request the deletion of any and all unauthorized information on my report, including but not limited to addresses, phone numbers, income, and any charge-offs. It is essential that my credit report reflects only accurate and authorized information. 

Additionally, I want to bring to your attention the recent lawsuit settled in XX/XX/year>, which held credit reporting agencies accountable for mishandling consumer data. This settlement further underscores the need for the protection of consumers ' personal information and reinforces my request for the deletion of inaccurate information from my credit report. 

Please be advised that under the Fair Credit Reporting Act ( FCRA ), I am entitled to request the deletion of any inaccurate or unverifiable information. Failure to comply with my request may result in a fine of up to {$1000.00} as stipulated by relevant laws.

I kindly ask that you investigate this matter and provide written confirmation of the deletion of my credit report. Please let me know if you require any additional documentation to support my request. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I would like to ask for your assistance in this issue with my credit report which has had a collection reported that was allegedly resolved as the collection company stated in XXXX XXXX but another collection company has also picked up the account and began to report it also. Can there be XXXX of the same accounts being reported for the same amount owed. I believe that is the reason my XXXX went so far down from XXXX to XXXX. The problem with this entire account is that is was resolved by XXXX in XXXX when it had become an issue. The homeowner had hooked his RV up to the house for power and he was using the account in my name. XXXX XXXX was contacted and there was complaints filed and XXXX closed the case. I had and should still have an excellent payment status with XXXX because I had no late payments, and always paid on time. I found a receipt for a bill where I received XXXX in XXXX, Ca.XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to create an online account with Equifax to manage my credit freeze. The Knowledge-Based Authentication ( KBA ) questions were impossible to answer correctly because some either referred to data unrelated to me, or used data far too old for me to recall. After calling Eqiufax, I was told that because I was unable to answer the KBA questions, I was permanently prohibited from setting up an online account despite the fact that the Equifax agent successfully confirmed my ID by phone.
Product: Credit reporting or other personal consumer reports

I sent a notice of dispute to XXXX  on XX/XX/XXXX that I have not received a response to as of XX/XX/XXXXXXXX  which is past the 30 day threshold and a violation of the FCRA. I disputed the inaccurate reporting of a late payment on my consumer report for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alleged that I failed to make the minimum payment of {$25.00} on my credit card. This information is incorrect and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Please see attachment for further details.
Product: Credit reporting or other personal consumer reports

I have previously disputed the accuracy of payment to XXXX XXXX as reporting from XXXX this account is reporting late as 7 different accounts XXXX XXXX. I was never late on this account and it is damaging to my credit profile. This accounts need to be either removed or updated to a positive payment history immediately. These accounts were removed from XXXX but Transunion isn't being helpful at all and continues to report negative and unverified items that are very damaging to my credit profile.
Product: Credit reporting or other personal consumer reports

Have spoke to XXXX, XXXX, Transunion about XXXX XXXX. I did not give these companies permission to check my credit, Nor did i give the three credit bureaus written permission to release my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed above, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information 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 XXXXXXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I sent XXXX dollars to someone on cash app, i contacted cash app to let them know Ive been scammed they didnt DO anything about it. I was talking to a robot I feel like and it was impossible to reach a real person.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued dissatisfaction with the handling of my recent dispute regarding the XXXX XXXX XXXX account listed on my credit report. Your assertion that the account has been " Verified and Updated '' lacks substantial evidence and fails to meet the standards mandated by federal law. 

It is evident that your response fails to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 1 ) ( A ), which requires you to conduct a reasonable investigation upon receiving a dispute. A mere verification process does not constitute a thorough investigation, especially considering the discrepancies and inaccuracies present in the account information.

Furthermore, your claim of verification must adhere to the guidelines outlined in 15 USC 1681a ( 2 ). This section defines verification as " the process of reviewing information to determine its accuracy or completeness. '' It is imperative to note that verification does not equate to validation. Therefore, merely confirming the existence of the XXXX XXXX XXXX account without verifying its accuracy or ownership does not suffice. 

Moreover, the inclusion of the XXXX XXXX XXXX account on my credit report raises concerns regarding the permissible purpose as outlined in 15 USC 1681b. This law stipulates that consumer reporting agencies may only furnish consumer reports under certain permissible purposes, including those related to credit transactions, employment purposes, and insurance underwriting. It is essential to note that XXXX XXXX XXXX did not have, nor did they obtain, written consent from me to furnish this account to my credit. Therefore, its inclusion violates the permissible purpose provision of the FCRA. 

Additionally, the inaccuracies within the XXXX XXXX XXXX account information directly violate the provisions of 15 USC 1681e ( b ), which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information provided in consumer reports. The inclusion of erroneous data not only tarnishes my creditworthiness but also undermines the integrity of your reporting system. 

In light of the aforementioned violations of federal law, I demand that you provide substantial evidence demonstrating a thorough investigation into the accuracy and ownership of the XXXX XXXX XXXX account. This evidence should include : XXXX. Documentation outlining the steps taken during the investigation process. 

XXXX. Any correspondence or communication with XXXX XXXX XXXX regarding the validation of the account. 

XXXX. Any evidence obtained that supports the accuracy and ownership of the account. 

Furthermore, I insist on the immediate removal of the XXXX XXXX XXXX account from my credit report until such time as its accuracy and ownership have been adequately verified. Failure to comply will necessitate further action to enforce my rights under the FCRA.
Product: Debt collection

On XX/XX/2023 a derogatory account showed up on my credit report from Clark County Collection LLC at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. I checked into it and this was no accounts that I had received myself. I contacted the Collection company and was told that it was a payday loan that my wife who I am separated from had received. I had not been notified or served with anything that was saying I owed a debt it just popped up on my credit report. I was not connected to this contract in anyway. They do not have my signature or any documents for me or could not provide a submitted document with an upload of my Nevada Drivers License on it. This means that this company received my SSN # illegally added me to her debt. Spoke with my attorney do to the fair reporting act they are not aloud to post another persons debt on my credit report under the fair reporting act. Also, filed a complaint and spoke with the attorney general who is also concerned how this company obtained my SSN # and other personal information. I have never done any business with dollar loan center or Clark county collection LLC and do not wish to do any business with them. I have never had any accounts with either one of these company 's and do not wish contact from them or there subsidiaries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX XXXX BANK that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations.

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. XXXX and TransUnion is participating in fraud with XXXX XXXX BANK and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4800.00}
Product: Debt collection

I am writing to formally request that you tender me {$1000.00} before I take this matter to civil court for violating my writes as a consumer .Your recent actions and communications have caused me significant distress, particularly in light of my recent XX/XX/XXXXXXXX. The stress I have experienced due to your handling of my account has had a detrimental effect on my health, and I believe this constitutes a violation of my rights as a consumer I am demanding that you tender a payment of {$1000.00} to compensate for the undue stress and hardship that your actions have inflicted upon me. Please be advised that if this matter is not resolved promptly, I will consider taking further actions to protect my rights and health. 
Additionally, I want to put you on notice that if anything further occurs that exacerbates my stress or health condition due to your actions, I will hold Resurgent Capital Services liable for any consequences that arise I expect a prompt response to this letter and an acknowledgment of my demands. I send you two copies of your letters the you send me with dates as evidence of your violations.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

On XX/XX/XXXX A Debt Validation Letter was sent. This is very harmful to my credit as I apply for my first home. On XX/XX/XXXX a letter was sent as of today XX/XX/XXXX this debt has not yet been proven to be owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Equifax and told them that I had sent letters out in the last 60 days I havent heard them and they told me to come here to dispute my issue here and that happen its will be removed in 24-72 hours
Product: Credit reporting or other personal consumer reports

I got a credit card with XXXX XXXX XXXX in XXXX I had difficulty with making payments therefore I consolidated my debts with XXXX XXXX XXXX XXXX XXXX. XXXX reported I was 30 days late each month I was working with XXXX XXXX XXXX XXXX although they accepted the minimum payment from them. I got a recent invoice from XXXX on XX/XX/XXXX AFTER I have paid them in full {$460.00}. This clears my debt. This company reported me 180 days late this past Sunday XX/XX/XXXX and I paid them XX/XX/XXXX. I see the payment due date is the XXXX of each month although the billing cycle starts the second of the month. 
Either way they trashed my credit I believe for XXXX reasons since I am XXXX XXXX  and I feel even though I have paid off the credit card they still seek to destroy my credit by not reporting the card as paid off but as still late. 
DO NOT accept a credit card from these people because they will take your money and still report you as late. This is wrong and although I spoke with a XXXX on XX/XX/XXXX about this matter she was quite dismissive of their mishandling my account.
Product: Debt collection

XXXX XXXX XXXX, attorney for the law firm Weltman , Weinberg & Reis Co., L.P.A.disregards federal bankruptcy law and states that a consumers wife 's medical debt due to XXXX is questionable or fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items listed below.. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX LA XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00}
Product: Vehicle loan or lease

VEROS CREDIT RAN MY CREDIT WITH OUT MY PERMISSION XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, Phone : XXXX XXXX XXXX XXXX Can you please help me fix this issue thank you XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent cfpb findings against navy federal credit union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.