23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX my account for chase was put on hold. I had no idea I only found out because I tried to log in to my bank app and it said it had been locked due to suspicious activity to call a number. I call the number and they inform that my account is being closed and the money in the account will be sent to me in a check. As you can see it as now XXXX second and still no check, even after being told multiple times that the check had been sent. I was told someone tried to deposit money into my account from somewhere in Arizona. Who that person is I have no idea, yet they tell me I needed that person to come into the bank with me to verify. I have repeatedly told them I have no idea who that person is. Whoever it was tried to deposit {$7100.00}. That money never hit my account, only reason I know is because I received a letter from chase saying my bank account had the funds removed into two separate checks on XX/XX/XXXX and XX/XX/XXXX. One check was for {$1200.00} which I have already received and the other check was for {$3400.00} which I have yet to receive, those checks combined obviously do not add up to {$7100.00}. Yet they said it is under review to determine which funds are mine. That review has been going on for 5 months and the money as already been taken out of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. also The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 
DPT EDXXXX TransUnion Account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Employers : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance Owed : {$0.00} XXXX, XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX LL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX
Product: Student loan

This student loan was taken out to subsidize my plans to pursue medical coding. The dollar amount borrowed was XXXX. In XXXX, unfortunately, I filed bankruptcy, and the loan was put on hold under XXXX XXXXXXXX. Over the ensuing XXXX  years until it was discharged in XXXX, interest accrued to the point of doubling the amount owed. I also was granted full XXXX in XXXX by the SSA, however, Navient did not honor it to forgive loan as I was working part time, to help me pay my rent. In the past XXXX years, I have been trying to work with them to pay down my principle, but this has led no where because of the high interest rate incurred up to 14 % +. I am a XXXX XXXX lady trying to hold down a job to make ends meet. This past month, Navient would not negotiate with me for around XXXX, they only offered me a XXXX payment of interest only, now they have billed me XXXX for XX/XX/XXXX and XX/XX/XXXX. Their punitive and predatory practices have left me in a state of unwell. I had to move in the last month as I was displaced from my former residence of XXXX years and my rent went up XXXX to XXXX, plus an hour commute daily to my part time job. Navient will not negotiate with me and have taken a hard line with me, I am under undue hardship, and I need assistance and guidance of what to do.
Product: Credit card or prepaid card

Hello. 
On XX/XX/2021. 
I used my government prepaid Bank of America XXXX to make a withdrawal at an at Bank Of America ATM. ATM ID number XXXX located on trails village in XXXX XXXX NV. I entered for XXXX dollars to be withdrawn from my account. The ATM gave me XXXX dollars. XXXX XXXX XXXX dollar bill XXXX XXXX dollars bill and XXXX tens. Which one XXXX and XXXX dollars would be missing from my withdrawal. I called the back of my prepaid card they issued me a new debit card right away which XXXX not able to access! Which has now closed my deposits from my unemployment. I need my prepaid government debit card re opened so that I can receive my weekly government benefits. When I call Bank of America XXXX department they transfer me to numbers that eventually hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX  is publishing incorrect and inaccurate information on a closed account on my consumer report the account name is XXXX  XXXX  and or XXXX XXXX XXXX it has inaccurate and incorrect information according to the balance, credit limit, payment history, older derogatory events, closed date, last activity, terms, scheduled payment, company name and according to the FCRA they are violating the FCRA 15 usc 1681
Product: Payday loan, title loan, or personal loan

As of XX/XX/2018 Rise Credit has already waived the loan, however my credit report shows Rise Credit 30days past due which brought my score down 30 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on bankruptcy since XXXX and never was late with my payments. ANYBODY knows if you are late with payments the way they have it listed on my report my bankruptcy would be dismissed and the creditors would have reposed my car and my house would have been foreclosed. I paid my house off XX/XX/XXXX and now my car has XXXX more payment which is due next month XX/XX/XXXX so that explains I was/still not or never late for any payments. You can not be late with payments. On XXXX, XXXX and XXXX their dates are not the same as me being late. I don't know where and why they would think I would be late for bankruptcy. You can not be late for bankruptcy. I do not think the credit bureau even tried to fix the matter when I disputed. I filed the dispute XX/XX/XXXX. I received an email today XX/XX/XXXX it remains the same.
Product: Credit reporting or other personal consumer reports

To whom it concerns, You are in violation of my rights and consumer laws.My personal information was involved in the data breach in which I've advised XXXX, XXXX and XXXX several times.I am a victim of identity theft. Accordingto the CFPB my rights are in violation of : 15 U.S. Code 605 15. U.S.Code 6801 15 USC1692c 15. U.S.C 6802 You are in violation of my rights. 


CC : FTC XXXX : CFPB Please delete the following inaccuracies immediately : PDQ SERVICES INC- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting closed but acct type says open
Product: Checking or savings account

To whom it may concern, - XX/XX/XXXX an unauthorized amount totaling {$0.00} cents was deposited to my Chase business checking account. 

- XX/XX/XXXX an unauthorized amount totaling {$2300.00} was withdrawn from my Chase business checking account. 

- Both incidents where initiated by the website XXXX and the transactions where unauthorized and done without my consent. 

- XX/XX/XXXX the suspicious withdraw was noticed and I filled a claim with Chase immediately. Claim # XXXX Chase bank acknowledged the fraudulent transactions over several phone conversations but still they refuse to return the money. Since the claim was filled, the money has been returned to my account only to be taken back out by the claims department on 3 different occasions. 

On the final phone call with chase, I was told by an upper management representative of the claims department that because I did not alert claims about the {$0.00} cents deposited by XXXX on XX/XX/XXXX, it made the withdraw for the amount {$2300.00} justifiable. 

Please, I have been fighting to get my money back since. The amount {$2300.00} has been returned and taken back from my chase account on 3 different occasions. They refuse to give me written documentation stating the reason for not returning the funds. This is a large amount of money and need help retrieving it. 

Chase Bank XXXX XXXX XXXX # XXXX Routing : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance - Discrepancy in Credit Reports Following Loan Forgiveness Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a matter related to the forgiveness of my student loans through XXXX, and the subsequent discrepancies in my credit reports. I believe your office can provide valuable assistance in resolving this issue. 

Identify the Problem and the Reason Behind It : Recently, my student loans with XXXX were officially forgiven on XX/XX/2023. The forgiveness resulted in a XXXX balance, and my accounts are currently in good standing. However, despite this forgiveness, my credit reports inaccurately reflect that the accounts are still open and active. 

Define Expectations : In seeking your assistance, my primary expectation is to rectify the inaccuracies on my credit reports. I anticipate that, with your intervention, the correct status of my student loan accountsclosed with a XXXX balancecan be communicated to the credit reporting agencies. 

Describe Actions Already Taken to Resolve the Problem : To address this issue, I have taken the following actions : - Contacted XXXX to verify the forgiveness and status of my loans. 
- Obtained documentation from XXXX confirming the forgiveness and a XXXX balance. 
- Disputed the inaccuracies with the credit reporting agencies, providing them with the supporting documentation. 

Despite these efforts, the credit reports continue to incorrectly reflect that my student loan accounts are open and active. 

Supply Documentation to Support My Position : Enclosed with this letter, you will find copies of the relevant documentation from XXXX confirming the forgiveness and a XXXX balance. Additionally, I have included copies of the dispute communications sent to the credit reporting agencies. 

I kindly request your assistance in investigating and resolving this matter. The inaccurate reporting is adversely affecting my credit profile, and I believe that the FSA Ombudsman Group can help ensure that the correct information is communicated to the credit reporting agencies. 

Thank you for your attention to this matter. I am willing to provide any further information or clarification that may be necessary. I can be reached at XXXX or XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is trying to collect {$140.00} from me for a debt that I have already paid. They sent the debt to a collection agency, Credit Systems International. I have written to Credit Systems International demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or agreement with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money which has already been paid and for which they have no document bearing my signature. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt. I have sent XXXX XXXX XXXX of XXXX a copy of my bank statement showing a payment which they never acknowledged.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Capital One has committed a violation by not providing a1099c for submitting a charge off on my credit report. The IRS was notified that this account is a loss and was paid for as a write off. Therefore Capital One has committed a criminal act of fraud. Plus agreed to a settlement to remove the item from my credit report as paid in full upon receiving the check of XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
Account name : XXXX XXXX, XXXX, XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letter off to Experian and per my tracking number the letter was received XXXX XXXX, 2017. I am disputing 8 inaccurate accounts that are being reported by Experian. I requested that Experian Please send me copies of the documents that they have in your files as of this date ( XXXX XXXX 2017 ) that they used to verify the accuracy of the accounts listed. 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. I have received no response from Experian to this date. The incorrect information that is being reported is effecting me in a negative way. I was recently denied an apartment due to the incorrect information that is being reported. There is a high probability that I will be homeless if they dont correct the issue as soon as possible, since my lease is up. Accounts being disputed : 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

On XX/XX/XXXX I filed and submitted a FTC report to Equifax XXXX XXXX XXXX regarding creditor : XXXX XXXX XXXX XXXX that appeared on my credit report. They have failed to adhere to the Fair Credit Report Act. By not removing this creditor. The initial dispute regarding this creditor began in XXXX of XXXX. This is my second complaint even with the CPFB. Please Help. This has been completely Unfair to me and my family. 

P.S I have intention on filing legal proceedings against Equifax and XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. 

As a victim of identity theft, I have been forced to endure significant hardships, both financially and emotionally, due to the actions of my ex-wife, who maliciously stole my identity and used it to open unauthorized accounts, make fraudulent transactions, and tarnish my credit history. I reported these fraudulent activities to your bureau on XX/XX/2023 and provided all the necessary documentation to prove my innocence and the criminal nature of her actions. 

I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please understand that if my concerns are not promptly and adequately resolved, I am willing to consult legal experts and take this matter to the appropriate regulatory bodies to ensure that justice is upheld.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

My student loans were discharged XXXX of XX/XX/22. XXXX XXXX XXXX hasn't updated the information and paid off status of my student loans account
Product: Checking or savings account

I tried to withdraw {$500.00}, but the machine froze and then nothing came out of the machine on XX/XX/2022.