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

In accordance with the Fair Credit Reporting Act XXXX account name and number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Dept Of EducationXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had 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 : States consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

XXXX XXXX care credit gave me a promotional interest free 12 month, however I asked several times to please let me have a subtle payment option due to the pandemic they told me first I had to make my minimum payment do and then call back and 48 hours and then I could ask for a settle payment however however the promotion was over in XXXX nor did I receive a letter or phone call or email and now they're telling me that there is absolutely nothing that they could do I spoke to at least four supervisors and nobody was able to accomplish anything except take my {$210.00} minimum payment this is unethical and very unprofessional and I hope that it never happens to anybody else
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with civil/federal court procedures such that of Dixon-Rollins v. XXXX XXXX XXXX
Product: Mortgage

somehow or another in XXXX paid my mortgage which is XXXX instead the mortgage company took XXXX it was a huge mistake on my part or theirs it has caused me significant financial harm and will cause more so next month i have asked that it be reversed and the XXXX taken out and the remaining balance return but was told it wasnt possible due to being on a fixed income this amount hurts my household finances .any help from you would be deeply appreiciated...
Product: Bank account or service

Dear Sir, or Ma'am : I was not fully aware of the fee associated with a check stop-payment. However, I was charged it and I accept that. However, I was then charged an overdraft fee for the fee. I find this to be excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

One all 3 credit reporting agencies are reporting different information for my current school loans. All three 3 reporting agencies are reporting different names for my XXXX loans, XXXX is reporting it as XXXX, Equifax is reporting it as XXXX University, and XXXX is reporting it as XXXX, this is all inaccurate! the loan for {$11000.00} some show XXXX XXXX monthly payment, some shows deferred, this is also inaccurate reporting for all 3 reporting agencies, for these 3 loans they all have the same account number so how is 2 of them in good stand but the third is in two reporting agencies it states collection and the other charged-off, again inaccurate reporting! this doesnt even make sense Ive never received bills but even so I am a full time XXXX student they all should be in deferred status anyway and according to the government students are in repayment status yet! Again how are loans for XXXX and XXXX in good standing but the loan for XXXX in collections? Its the same account for all 3 loans and a deferment doesnt belong in collections! I want this immediately corrected, this is ruining my credit and cause me distress as I am trying to learn to save lives I have enough stress with school! Also the highest balances are reporting lower than the balances this is also reporting inaccurately, do they even check this information before just putting it on people credit reports? Many unlawful violations are on my credit report pertaining to these loans and according to 15 USC 1681a Deinitions of Rules of Construction ( 2 ) Exclusions transactions meaning payments are a form of transactions whetted o time or late should not be reporting on the consumer report anyways so these 3 credit bureaus are breaking consumer law!
Product: Checking or savings account

On XX/XX/25 my sofi account was put on restricted, I have no access to funds or to withdraw funds. 
Leaving my family and I with no money all day. 
I have been told multiple times that someone would be reaching out as to why it was restricted and havent been contacted. I have reached out and have been told that they have escalated it But yet no solution. I even asked if they could take me off the account so my husband could move our funds somewhere else and thats not possible. They do this to you without explanation or warning leaving you with nothing.
Product: Debt collection

At end of XX/XX/2022 have received a debt collection notice from Oliver Adjustment Company, for services I had at XXXX XXXX XXXX XXXX XXXX... 

I did not receive any direct bill/invoice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I assumed/expect my insurance payed in full. 

When I received debt collection, I drove over to XXXX to inquire. 
Seems their offices are closed down. There was a number on the window to call : XXXX XXXX XXXX ... I call this number but there is no answer. 

I should not have to take my time to correct what is going on, and potentially have my credit rating damaged. 

Please investigate.
Product: Debt collection

I received a call from Asset Recovery Associates, XXXX. XXXX XXXX, XXXX XXXX, Il XXXX. 
There phone number is XXXX XXXX XXXX Initially they represented that I was the beneficiary of a class action recovery involving XXXX XXXX. I informed that I have never had a XXXX XXXX nor aware of any details and therefore not involved. 
Their conversation pivoted and they claimed that I owed over {$15000.00} and had not responded to a previous letter. I informed that I have not seen their previous correspondence and that I had no account relationship with XXXX XXXX and I had nothing more to say and on this topic. 
I received a letter from XXXX XXXX dated XXXX/XXXX/XXXX demanding payment and insinuating that they would report derogatory information to the credit bureaus if the account is not paid in full. 
Additional Information - See Photo of Collection Letter - The account referenced is XXXX XXXX - XXXX XXXX, Account # XXXX, Balance {$15000.00}, Asset Recovery Associates # XXXX My Name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX Mn XXXX, phone XXXX XXXX XXXX, email XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I have a collection on my report that is not mines can you please remove this fraudulent account from XXXX XXXX  of XXXX dollars was opened XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX I believe that this charge off account is inaccurate because XXXX. The high balance reported by TransUnion is {$1200.00}, while XXXX reports {$0.00}, and XXXX reports {$1200.00}. 
XXXX. The date of last verification is XX/XX/XXXX in TransUnion, but it is not reported in XXXX or XXXX. 
XXXX. The date of last activity is reported as XX/XX/XXXX by TransUnion, XX/XX/XXXX by XXXX, and XX/XX/XXXX by XXXX. 
XXXX. The date reported is XX/XX/XXXX by TransUnion, XX/XX/XXXX by XXXX, and XX/XX/XXXX by XXXX. 
XXXX. The date opened is XX/XX/XXXX according to TransUnion, but it is XX/XX/XXXX according to both XXXX and XXXX. 
XXXX. The balance owed is {$540.00} across all XXXX  bureaus, but the closed date is only reported by TransUnion as XX/XX/XXXX and not reported by XXXX or XXXX. 
XXXX. The account rating is reported as " Derogatory '' by all XXXX  bureaus. 
XXXX. The account description is reported as " Individual '' by all XXXX  bureaus. 
XXXX. The dispute status is reported as " Account not disputed '' by all XXXX  bureaus. 
XXXX. The creditor remarks in TransUnion indicate that the account was charged off as bad debt and canceled by the credit grantor, while XXXX states that the account was closed due to inactivity with the unpaid balance reported as a loss by the credit grantor, and XXXX states that the account was charged off and closed by the credit grantor. 
XXXX. The payment amount is reported as {$0.00} by all XXXX  bureaus. 
XXXX. The last payment date is reported as XX/XX/XXXX by both TransUnion and XXXX, but as XX/XX/XXXX by XXXX. 
XXXX. The past due amount is {$540.00} across all XXXX  bureaus. 
XXXX. The credit limit is reported as {$1000.00} by both TransUnion and XXXX, but {$0.00} by XXXX. 
I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information. 
Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I had made a transfer to my account for me to pay my tuition. My Social Security is XXXX XXXX XXXX. The bank thought the payments deposited was fraudulent and Inactivated the accounts. It was for XXXX XXXX dollars from XXXX. They were not reiterating the correct information to my family and told us the XXXX XXXX  XXXX of XX/XX/2024 that they didn't know why. Also, the authorities were present that day from the XXXX XXXX  in XXXX. It was documented on XXXX and the report number is XXXX. I tried to be polite and amicable about the process until I got aggravated with the Service and had us waiting for approximately 7 hours at this TD Bank location. The next day my family went to the location on XX/XX/2024 of the bank TD at XXXX XXXX to prove that the money from XXXX was legitimately. Then the managers told us after informing the TD Bank that it was going for fraud Closure. We explained we were legit and had the documents. After, they told us it would be approved, it was a lie. They lied and when we got home informed us that closure of the accounts was initiated for no apparent reason and that TD would not be continuing any accounts with my family with us. Stated that we had to go to the branch and take the funds out. They also never supplied us with any legal documents after being proven wrong to the fact of why they did that to us. I am in so disbelief of how we were treated in front of Customers and told for no reason that we wouldn't be continuing banking at this location. I have had this bank for years and never had any discrepancy. We would be appreciative and grateful for the help from the Government. Have Well Day. XXXX XXXX XXXX XXXX
Product: Credit card

On the XXXX of XXXX, an automatic draft of {$86.00} was supposed to be deducted from my checking account, but it was not. As a result, a late fee of {$40.00} was added to my account. I filed a dispute request through the company 's process, but it was denied. I have an auto-pay draft and have already done it. I went ahead on XX/XX/24 and made a payment again.
Product: Mortgage

XXXX XXXX, XXXXIn XX/XX/XXXX we purchased a manufactured home with Bank of America. We did not receive a settlement packet from Bank of America to offer options. Bank of America financed the home with an interest rate of 8.25 %, this interest rate resulted in {$86000.00} in interest. I have researched the interest rate for 1997, the highest housing interest rate during 1997 was 8.06 %, consumer with low credit scores. We paid all of our bills on time and our credit should have been in very good standing. In addition, enclosed is an article where Countrywide Mortgage Company, a company purchased by Bank of America gave XXXX XXXX higher interest rate regardless of their credit rating and referred to XXXX XXXX as " XXXX. '' We strongly believe that Bank of America performed the exact procedure with us as an XXXX XXXX family. We have struggled on a shoe string budget and have paid over {$100000.00} for this home and still owe at least {$38000.00} on a home that is falling apart. The plumbing fixtures, kitchen and bathroom cabinets and carpet were of the lowest quality. The heating and air units lasted about 5 years after we purchased the home. We are currently using portable electric heaters and window units, which results in extremely high electric bills. 
As an XXXX XXXX family in an isolated rural area, we were seeking the American dream of home ownership, we did not realize that we were being taken advantage of by Bank of America at the time of purchase. We believe that based on Race, Bank of America gave us the highest interest rate to purchase a home that clearly was not worth what we are having to pay. We were not treated fairly by Bank America and was told by management that we would receive an settlement packet. 
Bank of America has sold our home to XXXX XXXX XXXX, we did not receive a contract with XXXX XXXX XXXX XXXX, just a letter informing us where to send the payments. 
Desire Outcomes:1. Receive a settlement packet from Bank of America. 
2. For the loan to be extinguished, because we have over paid for this home. 
3. Refund the amount that has been over paid. 
XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX My only name is XXXX XXXX XXXX. 

My ONLY ADDRESS IS CURRENTLY : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX My social ends in XXXX My only phone # is XXXX I have been reporting to the credit bureau with IDs to verify my information, they are still continuing to keep all old, outdated, or incorrect personal information on my reports preventing me from verifying my identity with other places or applying probably. 

XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX ExperianDispute Department XXXX XXXX XXXX, TX XXXX XXXX XXXX survive : XXXX XXXX XXXX XXXX, GA XXXX Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My current address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Current and only phone number : XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete these outdated addresses and update the addresses with the one above. 

My only phone number is XXXX Delete any and all other phone numbers below, they are not my number and do not have any connection to me. 

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
I demand a deletion of all personal identifiable information from my consumer report with the exception I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ). am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15,116 USC 1681 and all its subsections. 
Please send and updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Fl XXXX XXXX Sincerely, XXXX XXXX
Product: Credit card

Received unrequested XXXX in mail from Sears or Citibank with instructions to call a number to activate it. Card and paperwork was shredded since we had not requested the card. We have now received a bill from them for payment for something we know nothing about with a {$20.00} credit and a {$4.00} balance. We called a number provided and attempted to resolve this issue and they asked for personal information which we refused to give them. We were then referred to someone named XXXX at XXXX. He referred us to a form to fill out which included a statement that had to be signed stating that we would be responsible for various charges to resolve this fraud attempt lwhich is not agreeable. We went online and found that many people have experienced the same problem with these people and it appears to be a widespread rip off.
Product: Debt collection

I have been contacted about a debt that was originally from XXXX. The original debt was from Capital one for {$1700.00}. The debt then was renewed for an additional 10 years on XXXX XXXX, XXXX by XXXX XXXX XXXX and now the debt is being represented by XXXX XXXX XXXX and they are trying to extend it another 10 years and has sent me a letter on XXXX XXXX, XXXX trying to collect it. I have already sent them a response that I do not recognize this debt. This is the second letter in the last 6 months and the first case they have gone ahead with proceedings to garnish my wages.
Product: Credit reporting

I have a XXXX collection accounts that still show up on my credit as unpaid/open when they should be paid/closed as of a few months earlier this year. The collections agency is called Alliance One, based in XXXX, WA.
Product: Student loan

Early in my marriage a spousal consolidation was taken out with what is now Navient ( FFELP department ). At the time it seemed like a good option. We are now divorced. I want my loans separated from his loans. If a major corporation is going to allow spousal consolidations, they should make allowances for spousal divorce of physical person as well as financial person. If one of the parties refuses to pay, that leaves one party holding the debt. There is nothing democratic, fair or ethical about that situation. The department of education needs to fix this issue immediately and HELP the consumers who are trying to HELP THEMSELVES. My credit and payment history are being ruined by my ex-spouse, and Navient refuses to allow some way for me to reconsolidate MY loans into MY OWN account and get financially free from my ex-spouse. 
Also, as a single mom, I am trying to better myself by furthering my education in graduate school without taking out any further loans. Navient is refusing to give me a school deferment because they will not take my ex-spouse 's off of the overall loan. Unless he is in school as well, they will not put the loan in deferment. This problem needs to be corrected! There needs to be a way for spousal consolidations to be fairly rewritten upon divorce so that one person is not left paying all the debt.
Product: Debt collection

XX/XX/2022 went into the XXXX XXXX store XXXX XXXX to ck the new Phones. The rep gave me a sample internet unit for free. 
I took it home to see what its XXXX XXXX the XXXX i mentioned I have internet with XXXX XXXX XXXX and pay {$10.00} qualified Military Vetrans Disaibility pension igot it home to see if it was better than my current internet, iIt did not work at all so i took it back to the XXXX  store The agent that gave me the unit was not there and another salesman would not accept the return item. I called thier home office as instructed. To ask why they refused the return item. she asked me to take a label to XXXX  XXXX. When i called XXXX  XXXX they wanted {$20.00} pkg fee. in the mean time i had ti go to XXXX XXXX with XXXX and XXXX issues. 
When i got better i sent the item to XXXX  in Texas. I never used the item I have internet with XXXX XXXX XXXX exclusive with the complex. I got around to ship the thing to them uos now they want to bill me $ XXXX it is not fair. I did not get a bill and consider this a scam they can tell that i never used the unit .. and i had to go across town to ups instead of the store that gave me the item as a gift.