23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

After IDR rollout my 1 student account loan. It states " End of payment term 1 loan account 0 payments remaining '' I have screenshots of all my data fromXXXX. I have been told this means your student loan balance is fully paid off and I owe nothing further ; essentially, your loan is considered " forgiven '' as there is no remaining amount to repay. I have over 25 years of payment on my graduate loan. When I call Dept. of Education they tell me to call my Aidadvantage servicer and when I call Aidadvantage they tell me to all Dept. of Ed.. Loan balance is still showing and no one has contacted me from Aidavantage or Dept. of Ed. about this. I spoke with representative at Dept. of Ed. who indicated I clearly have the years I need for IDR Forgiveness that I should submit it to Ombudsman. Ombudsman site out of order. Aidadvantage say they are just a call center Dept. of Education indicates Aidadvantage are responsible.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$3400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXXXXXX Balance {$950.00} Date Opened XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

I am not associated with the listed creditors, and these inquiries were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violation of 15 U.S. Code 1681a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I did not give Equifax permission to assemble and evaluate my consumer credit or any other information which violates ( 15 U.S. Code 1681b ( 2 ) ). Equifax doing so without my consent is identity fraud.

Equifax also violated 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax did not exercise grave responsibility with fairness by submitting false credit scores to financial institutions, which stopped me from being able to purchase a home and other essentials for myself and my family. My right to privacy has been taken from me and I feel unsafe.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my wirtten instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Mortgage

Quick overview : Rushmore Loan Management purchased my loan from XXXX XXXX XXXX  in XXXX. My loan has never had an escrow account associated with it. Without consulting me or asking me to show proof of coverage, Rushmore Loan Management set up an escrow account in XX/XX/XXXX for Hazard insurance only. It was finally reflected on my XX/XX/XXXX statement and since then Ive spent hours on the phone, and on hold, trying to get through the bureaucracy to speak with a mid-level level mgmt. person. None of the customer service representatives seemed to be able to help. No one wanted to escalate my query. Finally, in late XX/XX/XXXX. .I found a mid-level manager who gave me the name of XXXX XXXX XXXX ( XXXX ) who is supposed to be a VP, in the collection department. 
. 
These payments have not been entered properly to show the additional principal payments since XX/XX/XXXX, and my account is in disarray. 
Despite repeated calls, and leaving voice messages, as of XX/XX/XXXX, I have not heard from XXXX XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Brief description of the issue : XX/XX/XXXX : -- - I changed insurance companies from XXXX XXXX to XXXX. My insurance agent XXXX XXXX, ( XXXX ) XXXX, had my car covered thru XXXX XXXX, and provided hazard insurance thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX sent the Declaration page of coverage to Rushmore. In XX/XX/XXXX. 
On XX/XX/XXXX, I paid {$490.00} for the first installment. On XXXX paid them {$200.00} for the second installment of annual policy. On XX/XX/XXXX -I sent {$190.00} for the third installment.. ***See attached letter from Insurance Agent XXXX XXXX XXXX 

XX/XX/XXXX -- -Rushmore Loan Mgmt XXXX sent {$1700.00} to XXXX XXXX XXXX XXXX XXXX for hazard insurance. An escrow account was created. They did not contact me ( U.S. mail, phone or electronic communication ) prior to, or request verification of a Declaration page. 

XX/XX/XXXX -- -The error come to light on my XX/XX/XXXX statement. I made several calls to Rushmore Loan Mgmt. was not able to find anybody that would take responsibility. I was first transferred to the flood insurance department. There had been a one-month gap in my coverage in XXXX, which was paid for and covered by myself to Rushmore. So that eliminated that. 

XX/XX/XXXX -- -I called XXXX XXXX XXXX my insurance agent and asked him to look into it. Weve been in discussion about this for several months. ***See attached letter from Insurance Agent XXXX XXXX XXXX 

XX/XX/XXXX -- -On or around the end of XX/XX/XXXX finally got connected to a VP of collections named XXXX XXXX XXXX ( XXXX ) After several calls over several weeks, we both came to the agreement, that the escrow account was created in error by them. My last conversation with her was the early part of XX/XX/XXXX. She said she was going to correct all the postings on my principal curtailment
Product: Checking or savings account

I recently had an account and relations severed with Wells Fargo because of multiple issues with my account including a friend wrongfully getting and using my account information for a payday loan to pay me back and not telling me about it. I recently received a letter from dental provider that there was data breach about 9 months ago and they didn't inform me that my financial information might of been compromised as well ( including my bank account. ) The data breach might of compromised my mother as well because our accounts were linked I don't expect Wells Fargo to reopen my complaint or restore business ties with me or respond. But if they could look into it and make sure my mom 's account isn't compromised.
Product: Debt collection

I have received a high medical bill and trying to dispute the amount, however, neither my medical insurance " XXXX '' and the hospital " XXXX XXXX XXXX '' is not helping me with the process. I have called both of them several times but they are not being helpful and I am not receiving a fair response. I have received the treatment on XX/XX/XXXX and received the bill on XX/XX/XXXX. I had tried to dispute this claim back in XX/XX/XXXX to XXXX, however they denied. When I called them on XX/XX/XXXX, they had told me that they can not take my request for help since it has been more than 3 months since I got the treatment. I asked the XXXX XXXX XXXX not to send it to the collection agency as I was trying to resolve this with the Ohio Department of Insurance, however, they ignored my request and I received the bill by the following today, XX/XX/XXXX : Computer Collections , Inc . 
Claim Dept XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, NC XXXX Phone : XXXX Amount : {$1600.00} The bill shows a discharge date of XXXX however, I have received the bill for the first time on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I dont recognize the adresses and hard inquires on my report. please remove thank you.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX  XXXX Balance : {$4400.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$820.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$12000.00} This account has been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.Duty : a moral or legal obligation ; a responsibilityAccurate : correct in all details ; exact.Prohibition : a law or regulation forbidding something. As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 says a furnisher of information to a consumer reporting agency is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS XXXX  publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.
Product: Credit reporting or other personal consumer reports

I can not have this information in my report, it is negative information, I do not want it under my name anymore. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the following information XXXX supplied to XXXX, Equifax and XXXX. The XXXX account shows as Derogatory for 30 days in XX/XX/XXXX. 
This item on this account is inaccurate because this loan was transferred from Primary Residential Mortgage to XXXX Bank, effective XX/XX/XXXX and Federal law states XXXX  can not treat payments received on time by the original servicer ( XXXX  ) as late during the first 60 days after the effective date of the transfer ( XX/XX/XXXX ). This information is also stated in the XXXX welcome letter ( see enclosed welcome letter ). 
On XX/XX/XXXX I closed on the mortgage loan with Primary Residential Mortgage and set up automatic payments to XXXX to start XX/XX/XXXX in the amount of {$3900.00} per the enclosed XXXX  First Payment Letter and Payment Coupons. XXXX received the first payment on XX/XX/XXXX, which is within the allowed grace period, and forwarded the XXXX payment to XXXX. XXXX received the XXXX payment on XX/XX/XXXX from XXXX and treated it as 'unapplied funds '. 
XXXX received a XXXX payment on XX/XX/XXXX and forwarded on the payment to XXXX. XXXX called me and informed me that I had a new servicer and new place to send payments. I was given the number to contact XXXX. On XX/XX/XXXX I called XXXX to get my account information and to update my mailing address. 
As can be seen in the account notes, I spoke with XXXX and she confirmed two amounts had been received from XXXX but they were not applied to the loan correctly and were considered unapplied funds. We determined the payment amount had increased with the loan transfer based on an increase in the home owners insurance premium. 
On that call on XX/XX/XXXX, I made a payment over the phone in the amount of {$650.00} to complete the two full payments, {$320.00} to be added to the XXXX payment and {$320.00} to be added to the XXXX payment. As of XX/XX/XXXX the account was up to date. 
I have requested numerous times that XXXX Bank have the derogatory item removed as Federal law states XXXX can not treat payments received on time by the original servicer ( XXXX  ) as late during the first 60 days after the effective date of the transfer ( XX/XX/XXXX ). Additionally, XXXX states on the website : You will not be charged a late fee for 60 days, and we will not report your account as delinquent to the credit reporting agencies during the first 90 days following your loan transfer. 
XXXX reported my account in XXXX as 30 days past due which does not comply with XXXX law or the XXXX policy for mortgage transfers and this has wrongfully impacted my credit. 
I have and can provide copies of the derogatory item on my credit report, the XXXX XXXX XXXX XXXX and Payment Coupons, the record of payments made to XXXX, the Welcome Letter I received via email on XX/XX/XXXX, the XXXX 90 day mortgage transfer policy, the legal statute of mortgage servicing transfers, and XXXX  account statements from XXXX, XXXX & XXXX showing the payments received but unapplied which support my request.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Improper Handling of Reinvestigation Request Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Transunion regarding their handling of my " Request for Reinvestigation and Detailed Description of Verification Methods. '' On XX/XX/year>, I submitted a comprehensive request to Transunion to reinvestigate inaccuracies on my credit report and to provide a detailed description of the verification methods used. However, XXXX rejected my request, stating that proper identification was not provided. 
I strongly believe that this rejection is unwarranted and constitutes a procedural failure on the part of XXXX. Enclosed with my original request were the following documents : 1. A signed and dated dispute letter outlining the inaccuracies on my credit report. 
2. Copies of my credit reports from TransUnion, XXXX, and XXXX highlighting the disputed items. 
3. A copy of my government-issued identification ( driver 's license ).

4. A copy of my Social Security card.

5. A recent utility bill verifying my current address.

6. Any additional supporting documents substantiating my claims.

I have thoroughly reviewed Transunions guidelines for submitting disputes and ensured that all required documentation was included. The claim that proper identification was not provided is incorrect and has resulted in an unnecessary delay in resolving my credit report inaccuracies. 
Violations of Law I believe that Transunion 's rejection of my request and the subsequent delay violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) : This section requires that credit reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information.

2. 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ) : This section mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section states that 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 card

I filed a formal complaint with the CFPB regarding unauthorized charges on my Capital One credit card account, identified by CFPB Report # XXXX. Despite this filing, Capital One responded with a generic determination letter that dismissed my claims without providing any substantive explanation or addressing the detailed evidence I submitted. The issue involves fraudulent charges totaling {$59000.00} on my Capital One business credit card, which I reported promptly upon discovering the unauthorized transactions. I have provided comprehensive documentation, including : A police report ( XXXXPD # XXXX ), ( FTC ) identity theft report, An affidavit of dispute detailing my separation from the business entity associated with the account ( XXXX XXXX XXXX XXXX ) in XX/XX/year>, Additional correspondence and evidence highlighting Capital One 's failure to address the fraud. Capital One 's dismissal of my claim is unacceptable. They have failed to : Provide a detailed explanation of their investigation, Address the evidence I submitted, Justify their denial, and Comply with their obligations under the Fair Credit Billing Act ( 15 U.S.C. 1643 ), which limits my liability for unauthorized charges. This unresolved issue has caused significant financial and emotional distress, as well as damage to my credit. I request the CFPB to ensure Capital One reopens my case, provides a thorough investigation, and holds itself accountable for this matter.
Product: Debt collection

Contacted the company several times leaving voicemails. Still no call back. 
{$790.00} bill This is not my bill, it appear to have been opened around 2016. I want this off my credit because I did not open this account. I have also disputed this account before. It was taken off my credit and it has come back again.
Product: Credit card

Capital one closed all my credit card accounts for no reason. I have been a loyal customer with them for years and this is extremely upsetting, I dont think I will ever do business with them again.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and TransUnion has been reporting inaccurate information which is violation of 15U.S. CODE 1681
Product: Debt collection

I have asked Capitol One three times to remove my number from their call list ... because I did not owe them any money ... they are calling for someone else.