23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The Family Educational Rights & Privacy Act is a federal law that protects the privacy of student records. FERPA applies to all levels of education and there should be NO reporting on my consumer report. 

I tried to verify that I have an active account with this company and I found no account even when entering my social & date of birth. All basic information they should have if I had a valid account with them meaning this information has been released without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is breaking the law again! XXXX is reporting for the past three months that I have made a successful payments!.. its a charged off account! 

XXXX is maliciously coding my account! Delete!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was in a collection status due to late fees at total of XXXX dollars from XX/XX/XXXX to XX/XX/XXXX and then in XXXX XXXX the status changed to XXXX past due and XXXX XXXX XXXX has been reporting the account every month as XXXX past due since XXXX XXXX. In XXXX of XXXX, I got an email relating to COVID-19 that late fees assessed that I have attached for reference. I also, got a letter this year in XX/XX/XXXX, asking me to remit XXXX dollars and the account would be considered close and the matter resolved. This payment was submitted and processed on to XXXX XXXX XXXX XXXX for the amount of {$31.00} on XX/XX/XXXX I had attached this letter for reference. I have not received the title as well. They are reporting this account every month as late on a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted requests to : TransUnion, XXXX  and XXXX, asking them to remove my bankruptcy from my credit report, because : 1. They are violating my rights to privacy.

2. They are ruining my credit reputation. 

I have not heard anything back from them. My letters were sent on XX/XX/XXXX, and as of today, I have not received any investigation results. 

Please help.
Product: Credit card or prepaid card

On XX/XX/XXXX a refund was processed ( {$480.00} ) to a card with Chase that was cancelled - last statement was XX/XX/XXXX. ( The original payment was XX/XX/XXXX ) I called Chase - the number on the credit card - and they can't find any record of the account looking up using social security number. They've removed all statements from the online systems and any record of the card - so we can't get the old number. 

We had the card since XX/XX/XXXX. I have nearly 500 emails referencing the last four digit of the card ( alerts and statement ready notices ), but nothing with the full number. 
I saw someone with a similar issue posted a complaint here and Chase then addressed and fixed the problem. 
I'm also trying to find out if the merchant can process the refund another way, but fear it is too late for that. 
I'm not sure what else I can do at this point.
Product: Debt collection

To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
XXXX I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
XXXX Sincerely
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report taht I believe is harming my financial well being. Alongside, an incident involving the improper sharing of my personal financial information by several companies. This information was shared without my consent, and I believe it was done in violation of my privacy rights. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : conducting inadequate investigations that fail to address consumer disputes properly, reinserting previously disputed and inaccurate information with explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. Some companies include, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I ask that you please review the inaccurate information being reported : 1. Payment history errors 2. Duplicate Accounts 3. Incorrect personal information 4. Balance reporting errors 5. Account status 6. Credit inquiries 7. Collections and charge offs 8. Incorrect reported settlements 9. Account age errors Under the FCRA, you are required to conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. Provide me with any documentation you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes the at the information can not be verified or remains inaccurate. I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. I have attempted to resolve this issue directly with the company, but my efforts have not been successful. As a result, I am requesting the Consumer Financial Protection Bureaus assistance in addressing this matter. 

Please confirm receipt of this letter and keep me informed of any steps being taken to resolve this dispute. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your time and assistance. 

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

In XX/XX/XXXX Equifax announce it experience a data breach which impacted the personal information of approximately XXXX XXXX people. Settlement was reached. 

On XX/XX/XXXX received notice of data breach from XXXX XXXX. Suspicious activities was detected on their computer network.

Under section FCRA-605b please remove all derogatory marks off my credit reports
Product: Checking or savings account

On approximately XX/XX/, I opened a savings account, checking account and a CD account with Capital One. I made deposits to all three accounts. On XX/XX/, they notified me my funds were not available for withdrawal. I contacted them, they said there was " unusual activity '' on my accounts, I verified all my transactions, they then told me they are ending my banking relationship with Capital One. Now, they won't release my money back to me, and I have bills to pay and they won't even give me a date when I will get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling Equifax on the following days trying to get my simple credit report. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Their staff either doesn't understand XXXX or makes mistakes & I've wasted at least an XXXX  of my life each time I have called. 

I was told my report was snail mailed to me XXXX weeks ago. I never got it. Then I get some letter saying I disputed something when of course I didn't because I NEVER got my report, so how can I dispute something I never got. This is how stupid they are. 

First I couldn't get an online account created over & over ( at least XXXX  times ), then I had to fax them my ID twice. 

Even AFTER they had my ID, the online account couldn't be created & a password reset wouldn't work over & over. 

This last time I spoke to a manager, she made me jump through hoops telling me I didn't have an account when I knew I did, then put me on hold because the p/w reset didn't work & then just disconnected the call to the survey after I was on hold for XXXX mins. 

I'm LIVID. 

I needed this report back in XXXX, we are now in XXXX. 

I give up on dealing with their incompetent staff & terrible online site that doesn't work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX/XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Student loan

I want to reach out to Navient again because I am consistently getting calls and letters from them even though the statute of limitation on the student loan that they are claiming has already expired. The only time I should be contacted is if I have been summoned by the court. I have already sent them a letter notice through here not to contact me unless I am summoned but they are consistently contacting me. I have multiple voicemails saved on my phone where they are calling and making settlement offers on student loans that they claim and have written letters mailed to me offering settlement on student loans that they claim. The student loan that they are claiming the statute of limitation on has already expired so they need to stop making fake offers. I also want to update my address with them through here because it's impossible to talk to them about changing addresses from my past experience with them. They make fake jail threats and things of that nature. My updated address is XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. They need to stop sending mail to my previous address in XXXX. I am getting calls from my previous landlord to come and pick up the mail that these guys are still sending. I also need them to admit here in their response that the statute of limitation on the loan that they are claiming has already expired and they are legally obligated to mention that before they send me any of their settlement offers ( They shouldn't be sending me offers at first place without mentioning that the statute of limitation of the loan that they are claiming has already expired ). If they are consistently doing this I am filling a lawsuit against them for fraudulent activities.
Product: Payday loan, title loan, or personal loan

ACCOUNT RESOULUTION GROUP There sending letters that i will be sued. THIS IS A IN HOUSE SERVICE FOR XXXX XXXX  I have sent them a notice to verifies this debt. with no responses These services are unknow junk services late fees tack on The loan was paid in full XX/XX/2023, a XXXX LOAN 60 MONTHS XXXX A MONTH, XXXX XXXX PAID BACK XXXX XXXX behind this letter. Tell me what these charges are for YOU NEED TO INVESTGAT THIS FIRM NOT SOME NICE LETTER TO THEM SHOW SOME RESOVEL
Product: Student loan

In XX/XX/XXXX, I entered a modified agreement with Navient that included the following terms : XXXX ) Reduced principal balance XXXX ) I paid a {$1000.00} down payment. 
XXXX ) I agreed to allow Navient to debit {$100.00} from my bank account for 24 months. 
XXXX ) After 24 months, I had the option to discontinue the direct debit and continue paying {$100.00} per month until the loan was paid in full. 

In XX/XX/XXXX, Navient informed me that I could discontinue the direct debits because they received 24 months of direct debit payments as agreed. 
Afterward, I began paying XXXX via automatic monthly payments sent by XXXX  XXXX XXXX. 

I have not missed or paid late since the inception of the agreement in XX/XX/XXXX. 

However, after I ended the direct debit payments as agreed with Navient, the company began making harassing collection phone calls. 

Navient insists that my account is delinquent and has ruined my credit rating by reporting late payments every month for 7 years. 

I continue to pay {$100.00} per month as agreed and hope the XXXX can help resolve this problem with Navient.
Product: Student loan

Navient admits to servicing three federal public loans that XXXX XXXX took out for college. These three loans are still reporting incorrectly on XXXX 's credit report. Even accepting Navient 's statement that these three loans defaulted in XX/XX/2013, the credit report still shows the three loans as " collection '' even thought they have been paid. following these entries, it says " account transferred or sold '' please fix the credit reporting by Navient to remove the " collection '' language.
Product: Credit card

I had a contractual agreement with Citi-Bank on a Balance transfer from XXXX Credit card to Citi-Bank. The reason for the transfer for a lower interest rate. Citi-Bank entered into an agreement to have the interest rate remain the same for the term of the note. Citibank increased the interest without notice. Whereas payment to Citi-Bank was through direct debit my bank account. After several calls to Citi-Bank customer service, they admitted their mistake and corrected it. I received a statements reflecting this error and showing a corrected actions. Then I received a statement from Citi-Card once again with an increased interest rate to 29.5 % and a penalty for not paying a full payment. I have been advised by my attorney that this action was a freud, a former Judge also stated that Citi-Bank had committed a fraud.
Product: Credit reporting or other personal consumer reports

The Credit bereaus stated Account Name & XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Debt collection

I telephoned Walmart and reported my Walmart credit card lost or stolen and closed the account several months ago when the bill reached approximately {$300.00}. I took this action because I suspected one or more Walmart employees or someone was using the card to make purchases without my knowledge. I telephoned Walmart to clearly identify the purchases made with the card but Walmart instead sent me by US Mail an ill defined list of purchases that I was unable to decipher. Subsequently, Walmart began sending me outrageously inflated charges and erroneous bills apparently compounded bills. I telephoned Walmart and explained this but Walmart did not investigate and stop the fraud I alleged, and subsequently XXXX XXXX began sending me erroneously inflated bills for Walmart. I telephoned XXXX XXXX explained the alleged fraud but XXXX XXXX failed to investigate and stop the fraud I alleged. Subsequently,  Capital One Services LLC began sending me large bills and charges that amount to an erroneous or spurious Account Balance of {$910.00} and more. I subsequently telephoned Capital One Services LLC several times and each time I telephoned Capital One Services LLC, the employees that answered the telephoned refused to assist me and claimed they could not locate my information in their system. I finally mailed a letter to Capital One Services LLC via US Postal Service certified mail. Nevertheless, Capital One Services LLC continues to send me spurious bills and threatening messages and apparently completely ignored my letter alleging fraud and requesting to challenge and dispute the erroneous Walmart bills.
Product: Credit card or prepaid card

This was a case of a hacked XXXX account linked to an XXXX XXXX credit card. Neither XXXX nor Chase helped me with this problem. I talked to a branch XXXX of a local Chase Bank hoping he could tell me who in Chase I could contact. He told me straight out that I was not going to hear what I wanted to as Neither XXXX or Chase wanted to be out the money. That about sums it up!! The false information that Chase Bank gave me as to why I owed the money was abhorrent, including a statement that I had actually made a payment on the account, which I had NOT. They took payment information from a separate credit card account I had with them and used that as my supposed payment. It took me 17 months to finally get the matter settled, no thanks to them. The business practices of both XXXX and Chase leave a lot to be desired. The credit bureaus were involved in this mess of course because of my dispute. Not sure which Federal Agency would be interested in this but someone should beThank-you for your time.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 i invested {$1000.00} in XXXX through Coinbase Pro.com website. The {$1000.00} was two transfers of {$100.00} and {$900.00}.

I completed the coinbase login requirements with photo and two level account verification. 

I did not regularly look at the coinbase balance because the value of XXXX was declining and there was not much to deal with. 

In XX/XX/2021 with the value of XXXX improving I went to my account and found that the account balance was on {$12.00}. I sent a request for support to the Coinbase Support group. They locked my account and told me that they would recover the account. 

XX/XX/XXXX Support told me that the account was successfully recovered. When I went to the account the balance was still {$12.00}. I sent the support group a copy of the transfer out of my account on XX/XX/2021 for XXXX that was not authorized by me. Support can not tell me who made the transfer or where the money was transferred to.

Support has closed the account fraud request with NO RESOLUTION>
Product: Credit reporting or other personal consumer reports

- # # # Experian XXXX Dispute Letter XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Request for Verification and Dispute of Inaccurate Information under Section 609 of the FCRA** Dear Sir/Madam, I am writing to request a complete disclosure of the information in my credit file as per my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ). Additionally, I am disputing the accuracy of the following account, which appears on my Experian credit report : - **Creditor** : XXXX XXXX XXXX - **Reported Date** : XX/XX/year> - **Balance** : {$160.00} - **Credit Limit** : {$300.00} - **Account Status** : Open - **Responsibility** : Individual Account This account is inaccurate and does not belong to me. It does not appear on my XXXX credit report, which contains accurate information. 

Please provide : 1. Verification of the account in question.

2. The method used to verify the account.

3. Copies of any documents associated with this account.

Enclosed are copies of my identification documents to verify my identity.

Thank you for your prompt attention to this matter. Please respond with the requested information and correct any inaccuracies found. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - Copy of identification ( e.g., driver 's license, social security card ) - Proof of address ( e.g., utility bill )