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

My student loan balance was forgiven through XXXX and even though I provided the letter to experian they refuse to update the debt on my credit report. XXXX has always updated my report to reflect the XXXX balance and XXXX is working on it. Please instruct Experian to UPDATE their records and reflect the XXXX balance of my student loans ASAP, as it could hinder me getting a new home for me and my daughter.
Product: Credit reporting

I called the state of CA and was told that the tax liens were filed in error ( I was even refunded by the state of CA ). I was advised by state of CA to dispute this filing error with the credit bureaus to get it removed. So, I did. all that happened is " new information result, which I have no knowledge of what that info is. I mailed XXXX letters to the recording clerk in XXXX XXXX county who never replied!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was accessed without authorization or permissible purpose that resulted in fraudulent loan by XXXX XXXX XXXX XXXX # XXXX.
Product: Student loan

I am writing so the state of my case can be documented appropriately. For approximately 6 months, I have been having ongoing and unresolved issues in my account. Initially, I did not submit by re-certification form for the 501c3 I work for, which caused by payment to go up from its former {$250.00} to {$400.00} in I believe XXXX XXXX. I paid on of these months as I was told my payments would be rectified once the form was approved. Since that time, I have experienced nothing by problems in my account, which are not only unsolved, but are getting worse. 
Upon seeing I was billed the same amount again, I contacted FedLoans and have received the following advise from different people : 1. Go into my account and pick a cheaper repay amount ( not possible ) 2. They'll put me into forebearance ( Never did ) 3. In XXXX, call back again, and they tell me they'll bill me {$5.00} and I'll go into forebearance ( also never happens ) 4. I call back yet again in late XX/XX/XXXX, and am billed the {$5.00} and pay it. During this phone call I was told that not only were by bills still {$450.00} some odd, but my XXXX bill is {$800.00}. This left me crying on the phone to an agent who told me that my account is one of the worst and messiest she'd ever seen. She was the only person who was ever significantly helpful to me, and the only person who got a manger to confirm that her advise was correct. 
If you still review my account, you will see that I was on direct pay, and consistently paid by {$250.00} every month. I also paid the one off {$400.00} as that was my responsibility. Since that time, FedLoan has given my tons on conflicting information and has even made my account worse. It is my goal, and has been my goal for months to get my account back to the {$250.00} payments. 
It is my current information that the {$5.00} payment will put me in forebearance, which will bring my account current, and I will then be able to get my {$250.00} payments reestablished. This has been an anxiety ridden experience for me. 
I then e-mailed XX/XX/XXXX to confirm that my forebearance is in the process, it will bring my account current to {$0.00}, and I will be free to change my payment plan and resume my {$250.00} payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit card

This is complaint about the XXXX XXXXXXXX branded Bank of America credit card. 
I had called the customer support on XX/XX/XXXX, regarding the eligibility for meeting the companion fare discount coupon for the next 12 months ( in year XXXX ) based on the spendings on the credit card in XXXX. 

After a long hold on phone and discussion, the conclusion was that yes, I would be getting the companion code discount code. I confirmed with the agent on the phone that this decision and conclusion gets logged/ written down in the call notes and gets documented. 

I followed up on XX/XX/XXXX, regarding the companion fare discount code. The call was escalated to supervisor XXXX ( ID XXXX ). He confirmed the call notes and the conclusion for the XXXX call and opened the Case number XXXX regarding my request to be given the Companion Discount Code. 

I followed up again on XX/XX/XXXX, and spoke with XXXX. He mentioned that decision will be provided by XX/XX/XXXX. 

I followed up again on XX/XX/XXXX. Spoke with agent XXXX. She mentioned that a letter has been mailed a day ago asking me to call XXXX for the status of my case. This was supposed to be the Backoffice looking into the case. I was connected to this number and spoke with XXXX XXXX. She informed me that their investigation shows that I am not eligible to get the Companion discount code. On being asked as to why was then it confirmed on XX/XX/XXXX, that I would be given the discount code or why they are not honoring their promise or why are they not considering the written call notes regarding the decision that I will be provided the Companions Discount code was not answered.

Based on the assurances of the Credit Card company, I had continued with my participation in the credit card for which the company charged me annual fee of {$95.00} in XX/XX/XXXX statement on XX/XX/XXXX.
Product: Bank account or service

My bank USAA accepted and paid a check on XX/XX/XXXX even though the check had been post dated to XX/XX/XXXX The result was XXXX checks being returned for insufficient funds and XXXX {$29.00} NSF fees. I called the bank and told them of their error to accept a post dated check a day early but they would not refund the fees. When I asked to speak to a supervisor I was put on hold and then disconnected. They did not call me back even though they have my phone number.
Product: Mortgage

XX/XX/XXXX Good morning, We're reaching out to you, in the hopes that you will assist us, with our negotiations, with Ocwen loan servicing. 

We are WELL aware of the fact that Ocwen has a very long history of deception and fraud, when it comes to dealing with distressed homeowners and we need your help in our situation. 

We began our negotiations with them on XX/XX/XXXX. At that time we got a snapshot of our account status and we told XXXX, employee # XXXX that we would be submitting all paperwork required for review of our loan. 

On XX/XX/XXXX, we spoke with XXXX XXXX employee # XXXX. She informed us that all 52 pages that we faxed, were documented, imaged in and that the review process would begin within 3 to 5 business days. 

During the month of XXXX, we were required to resubmit the XXXX form, along with proof that my husband, XXXX XXXX, was the Executor of the Estate on this account.. TWICE. We did so happily. 

During the month of XXXX we've had contacts with them on a weekly basis and each of those conversations, we were told that our request for modification was being reviewed. 

We spoke with Ocwen on the XXXX, to XXXX, employee # XXXX and then to XXXX XXXX, employee # XXXX. At that point we were told that NO modification was being reviewed. 

We requested to be transferred to a supervisor and we spoke with XXXX, employee # XXXX. He told us that the original request for modification was, in fact, closed on XX/XX/XXXX. Meaning - Ocwen has been lying to us for the past 3 weeks. 

In order to review this loan for modification, a request ticket for an Assumption Modification must be made first. Documentation must be submitted for that and once approved, the formal modification can be completed. This was discussed during the very first conversation we had with Ocwen and they agreed that this would be done simultaneously, with our request. 

All of the notes from our conversations are attached to this complaint and we're asking that you reach out to Ocwen immediately, so they take this matter seriously and we get to where we need to be as quickly as possible. 

Thank you for your help with this!
Product: Credit reporting or other personal consumer reports

I as of late i checked my credit report and saw I had fraudulent Accounts on my credit report, please eliminate these records from my credit report they are harming my ability to get credit.
Product: Credit reporting or other personal consumer reports

Subject : Second Dispute on Unauthorized Inquiries and Credit Reporting Errors Dear TransUnion, I am writing to follow up on my prior dispute regarding unauthorized inquiries and inaccuracies on my credit report. This is my second written request, as my initial dispute has not been resolved to my satisfaction. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fully accurate and verifiable credit report, and I expect immediate action to correct these issues. 

Specifically : 1. Hard Inquiries, Soft Inquiries, and Promotional Inquiries : My credit report includes several inquiries that were not authorized by me, which constitutes a violation of 15 U.S.C. 1681b. These inquiries lack my consent or a legitimate permissible purpose as defined by the FCRA. Under 15 U.S.C. 1681b ( f ), consumer reporting agencies must ensure that all reported inquiries meet permissible purposes outlined by law.

2. Verification of Inquiries : I demand verifiable proof that each hard inquiry, soft inquiry, and promotional inquiry on my credit report was authorized and valid. If this verification can not be provided, these inquiries must be promptly removed as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I request the following actions in compliance with the FCRA : Verification Documentation : Provide physical copies of all documents showing that these inquiries were authorized by me. This includes agreements, applications, or written permissions associated with each hard, soft, and promotional inquiry.

Details of Verification Process : Provide the name, position, and contact information of the individual or team responsible for verifying these items and a detailed explanation of the steps taken during the verification process.

Immediate Deletion of Unverified Items : If you can not provide evidence of authorization for these inquiries, I demand their immediate deletion from my credit report.

This is my second attempt to resolve these inaccuracies. Repeating claims of verification without providing the actual documentation used does not satisfy your obligation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a reasonable investigation of disputed items.

If you fail to resolve this matter within the required 30-day timeline, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue all legal remedies available to me under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Thank you for addressing this matter promptly. Please provide me with an updated and corrected credit report reflecting the requested deletions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I am contacted repeatedly by XXXX at this collection agency : TrueAccord account number : XXXX At this time, no attorney has personally reviewed the particular circumstances of your account. However, if you fail to contact us about this account it will be returned to our client who then may forward it to a local attorney for the purposes of filing suit. We'd like to avoid this, and find a way to work together. Learn More.

Your support team at TrueAccord wants to help you get your balance resolved XXXX, wed like to work with you regarding your outstanding balance of {$710.00} with XXXX XXXX XXXX because theyve given us a short period of time to help you resolve your balance. 

If a payment arrangement is not set up while your account is with us, XXXX XXXX XXXX may review your account for potential placement with a law firm for legal review. 

I was even contacted at XXXX on XXXX. I have stated multiple times that I purchased the protection to use if unemployed and contacted the credit card company and told them I was unemployed but they continued to charge fees and run up the card. This in my opinion is fraud. When I ask for validation of the debt I only receive a statement that would have been mailed from the credit card company with the balance on it. No paperwork or anything from the initial contact showing I signed up for the protection.
Product: Debt collection

To whom it may concern, I received a collection notice with the amount of {$2900.00} from a collection company called TOTAL CARD INC saying that they represent XXXX XXXX. With the file number of XXXX. They offered me to pay 9 monthly payment of {$98.00}. However, I used to have a XXXX XXXX account which was paid off on XX/XX/2017 according to my XXXX report. And the account with XXXX XXXX is XXXX. I also checked my credit report that shows my XXXX XXXX education account was paid off already. I had tried calling this company with no person picking up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open dispute against XXXX/Comenity Bank with XXXX. I've attempted several times to resolve this ongoing issue. XXXX/Comenity sold alleged Account # XXXX to XXXX XXXX XXXX, XXXX. In an effort to resolve this matter, I filed for private arbitration according to XXXX 's Credit Card Terms and Conditions on XX/XX/XXXX ( Case XXXX. ) On XX/XX/XXXX the XXXX XXXX XXXX closed the case because XXXX failed to respond after several attempts. To get down to the bottom of the issue, I demanded an investigation from XXXX After an investigation, on XX/XX/XXXX, XXXX ceased all collection activity on this account, closed the account and removed the trade line from all credit reporting agencies as it is invalid. The very company XXXX allegedly sold this alleged account to, agrees the account was invalid. However, XXXX/Comenity continues to report invalid information to the credit reporting agencies on my behalf and in doing so continues to violate my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My address is ( your current address ) Please remove all the addresses from my report that are highlighted as they are not deliverable to me by the US post office, and they are not reportable as per the FCRA since they are inaccurate. 

My name is ( your name here ) Please remove any other aliases. 

Please remove all phone numbers they do not belong to me.
Product: Checking or savings account

A XXXX XXXX Charge off account number XXXX  showed up on my Trans Union Credit Report XXXX I asked Trans Union XXXX check the accuracy of my Credit Report and delete any accounts that can not be verified as my accounts or have any inaccuracies. Trans Union responded with " account has been verified as accurate and updated '' which the account should have been deleted at that time for inaccurate information and not " updated. '' I then requested a detailed investigation report on XX/XX/year> which the FCRA states in code section 15 us code 1681d they have to respond in a reasonable amount of time with how they investigated this account and the investigation results. Trans Union has failed to respond which is a violation of the consumer law. I have enclosed related attachments
Product: Credit card

XX/XX/year> XXXX XXXX XXXX Re : RE-REVIEW XX/XX/year> REMOVAL of interest, late fees & finance charges Case # XXXX USAA BANK, This letter is regarding my recent submission for RE-REVIEW on XX/XX/year> for my USAA XXXX XXXX card. I have not received a written response back from your investigation team nor a call back from the credit card investigator as of todays date. 
Additionally, there are fees, interest and late charges being assessed to the dispute charge in question. Per the Fair Credit Billing Act, USAA Bank CAN NOT charge me interest, late fees or finance charges tied to the claim in review. The below fees must be removed and credited back to my XXXX card per the Fair Credit Billing Act. 

Date Description Original Description Category Amount Status XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Interest on Purchases Interest on Purchases Finance Charge XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted XX/XX/year> Adjustment to Account ADJUSTMENT TO ACCOUNT XXXX XXXX TX Shopping XXXX Posted I am enacting my right to a fair and legal review. All investigations and information related to the charge in question must be replied to in writing with discovery within 10 days from the date of the review request on XX/XX/year> which was effectively XX/XX/year>. USAA Bank is now out of compliance in accordance with FTC regulations as no response has been given. 

We await your written reply along with adjustments to credit my XXXX XXXX card. 

Respectfully,
Product: Debt collection

Transfinancial can not be verified properly. The company that hired this company, XXXX, should have billed my insurance company and failed to do so. My insurance company paid for the XXXX visit. The failure of XXXX to get paid is their own doing. 
The Date Opened on my credit report is listed as XXXX, which is incorrect. The date opened according to FCRA should be XXXX XXXX. Thus, this should be removed from my credit report according to the FCRA. 
Lastly, I never received a bill from XXXX XXXX or Transfinancial. Per my discussion with them in XXXX XXXX after viewing my credit report, they asked me for an address because they did not have one on file. They admitted they were mailing to an XXXX address. However, I was a resident in XXXX the entire time in question. 

The attached documents clearly show that the hospital was paid. Therefore, if the XXXX company had done its proper due diligence, they could have been paid as well. Thus, TransFinancial did not perform proper due diligence to verify the legitimacy of this debt.
Product: Credit card or prepaid card

I have fallen victim of identity theft as a result of the XX/XX/XXXX XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts. XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX. Opened account on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

We used PayPal to receive payment from customers this winter. Never had dispute or refund request. PayPal decided that activity was suspicious and put 6 month hold on amount we collected in two of our construction businesses. We can't wait to get money back.
Product: Debt collection

I previously disputed this account with Hunter Warfield , Inc . I provided them the information they required and they failed to reply back to my complaint. It has almost been 30 business days since this has happened, so I recommend either showing me what you 've come up with or removing it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00} and US BKPT CT XXXX XXXX XXXX XXXX XXXX : XXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX responded to previous complaint that they did not report my payments past due in consecutive months during a Covid 19 related income/job loss in 2020. I am attaching the copy of my Transunion credit report that clearly shows 30 day past due in both XXXX and XXXX of 2020. I previously reported XXXX and XXXX of 2020 but it is actually XXXX and XXXX 2020. THIS IS INCORRECT as I was put on a forebearance in response to the Covid 19 situation.
Product: Credit reporting or other personal consumer reports

Experian has failed multiple time to fulfill its legal Obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furbish, accepting unreasonable and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
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  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )