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

My name is XXXX XXXX, date of birth is XX/XX/XXXX, XXXX is XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX needs to be removed from my credit for the following reasons : The alleged dollar amount is incorrect. I received correspondence indicating that {$240.00} was owed ( see attached ), then correspondence alleging {$200.00} was owed. 

Nothing is owed and nothing was ever owed. This was paid by insurance. Although not owed, the alleged debt was paid on XX/XX/XXXX ( see attached ). 

Further, paid medical debt that was in collections can no longer be included on consumer credit reports ( see attached ). 

If this is not removed on or before XX/XX/XXXX, I will be filing suit against both Trans Union and XXXX XXXX 


Thank you for your time and attention to this matter
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. 
Here are the items for your verification Account : XXXX XXXX XXXX XXXXXXXX ( CLOSED ACCOUNT ) payment late year XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX XXXX XXXX XXXX would not update the payments like they where supposed to end up adding a lot of missed /late i have proof that i have been paying on it but they added another on me it was not late for sure i paid it way before then and they still ant updateing it i need to see if we can get them late payment remove cause this ant right it should not take them 30days or more to update payments dragging me to late payments on my reports over them not updating them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 I contacted XXXX and Equifax concerning accounts that should have been removed. Accounts still remain on my credit report with paid or {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment made on XX/XX/XXXX from XXXX Checking account XXXX XXXX calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. XXXX XXXX representative advises me to file a dispute with XXXX XXXX XXXX Banking Dispute with XXXX XXXX payment XX/XX/XXXX XXXX reaches out to XXXX XXXX XX/XX/XXXX ( XXXX will not speak to XXXX without Subscriber ) XXXX XXXX stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called XXXX XXXX with me, XXXX XXXX XXXX XXXX banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called XXXX XXXX onXX/XX/XXXX @ XXXX XXXX minutes transferred multiple times stated payment would be applied to mortgage XXXX payment made with XXXX XXXX at XXXX XXXX location XX/XX/XXXX XXXX XXXX XXXX NY XXXX from XXXX XXXX ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my XXXX XXXX XXXX is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call XXXX XXXX directly to rectify. The same day, I called back XXXX XXXX and spoke to customer service representative XXXX XXXX & XXXX on the phone XXXX minutes being transferred back and forward Payment directly debt from XXXX  account # around the same time ( will show on past XXXX statement ) XXXX was able to get XXXX XXXX XXXX on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX p.m. stating that they will be mailing out a paper check for the balance that should have been applied to the XXXX XXXX XXXX. Paper check was dated XX/XX/XXXX ( see attached ). Received check from XXXX for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months, I have been unable to initiate an online dispute with the Experian credit bureau. I have noticed that whenever I call, the representatives ( a ) rarely listen to my concern ( b ) often transfer me to another department that does not help ( c ) or, they flat out lie and tell me that it is another issue and offer to take the dispute over the phone. 

There are multiple inaccuracies on my credit file which have negatively impacted my credit file. I have initiated a few disputes with representatives online but have no evidence/confirmation/statuses of those disputes. ( my wife has been able to initiate an online dispute successfully with full access to all features ). 

The membership that I pay for allows me to view my report. The report has an option that allows me to initiate an online dispute, but when I click on the option, I am constantly getting an error message instructing me to call. The representatives are mildly demeaning and rarely listen. 

I am often transferred or left on hold but overall, completely ignored.
Product: Student loan

Until XX/XX/XXXX, my student loans were services by ACS Education Services. I joined the Federal Service in XX/XX/XXXX. I contacted ACS Education Services several times when they were my loan servicer to enquirer about the PSLF program. I was told I was on track for loan forgiveness. In XX/XX/XXXX I learned from another source that my student loans with ACS did not qualify for the program, and I refinanced my loans as the correct type so I would qualify for PSLF. If ACS had provided me with the correct information, then my loans would be forgiven this year in XX/XX/XXXX. However, since ACS misled me, I will not have my loans forgiven until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This complaint is in response to many attempts to have EQUIFAX update my consumer report as it relates to my credit accounts dating back to at least 2022. I have a right to have my consumer report reflect a 100 % accurately. There are at the very least 9 accounts that should be reflecting on my consumer report that isn't.
Product: Credit card or prepaid card

On XX/XX/XXXX, I submitted a complaint to CFPB ( XXXX ) regarding my Barclays account XXXX Below is my original complaint : On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, ME XXXX ( XXXX ) XXXX ) mailed a cashier 's check ( # XXXX ) for {$11000.00} to Barclays. XXXX XXXX provided me with a document showing the check was reconciled by Barclays on XX/XX/XXXX. However, the money was never credited to my account. On XX/XX/XXXX, I called Barclays and reported the issue. I provided them the check amount and number and they started an investigation. On XX/XX/XXXX, the company credited a " provisional credit payment '' of {$11000.00}. I received a letter stating the investigation did not produce the check in question so they put the {$11000.00} back onto my account on XX/XX/XXXX. This is reflected on my XX/XX/XXXX statement. On or about XX/XX/XXXX, I reached out again to Barclays and they asked that I fax a copy of the check to them. I did so and they money was credited back to my account. The issue is, I was still charged with late fees for the several months the check was pending. Also, my current amount due for a minimum payment {$670.00} with {$540.00} past due. I called them several times to have the payment amount adjusted to reflect the current balance on the card and also to make the appropriate credits towards any interest and late fees incurred due to the extended timeframe they could not locate the check. They continue to tell me that the balance due is " computer generated '' and they refuse to change it. So, my account has been locked and the company continues to call me to harass me by phone, along with continuing to add late fees onto my balance. 

On XX/XX/XXXX, I received a response from XXXX at Barclays ( letter attached ) stating that the reason for the lost check was because I did not have the full account number on the check. Therefore, it was reconciled but was not added to my account. To clarify any confusion, as I stated in my original complaint, I was not the person who mailed the check to Barclays. Since this payment was part of a debt consolidation loan, XXXX XXXX XXXX mailed the check directly to Barclays. It is their policy. When I received this response from Barclays, I immediately called XXXX XXXX XXXX to notify them of this response and attempt to fix the issue. I showed them the response from Barclays. The credit union stated that they did not write the account number on the check because they included a copy of the most recent statement that I had sent to them when I was applying for the loan. I also attached a signed letterhead from the loan processor indicating they included the statement in the envelope with the check.
Product: Payday loan, title loan, or personal loan

Had borrowed money in 2004 and paid off shortly thereafter where a primary residence was used as security. The loan was paid in full but the title was never released. I have requested the Bank ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX GA ) to release the title and all I could get was a letter stating we owed no money. The home has been sold and I need the lien removed by the bank. 

Thank You, XXXX XXXX
Product: Credit card

I closed my Discover card on XX/XX/XXXX But the are still charging me interest. 
The interest is almost as much as the payment. 
I paid {$78.00} in XX/XX/XXXX and was charged {$61.00} in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my consumer credit report I have found inaccurate late payments on my account. Please validate all dates as Im sure its incorrect. I have paid this account. 

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

THIS IS MY 3RD DISPUTE TO EQUIFAX AND   XXXX   IN REFRENCE TO THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT. I HAVE MAILED CERTIFIED LETTERS TO EVERY CREDITOR MENTIONED AND NO RESULTS. I AM REQUESTING THAT THESE FRAUDULENTS INQUIRIES BE REMOVED SOME WERE MADE 2 AND 3 DAYS IN A ROW WHICH DOESNT MAKE SENSE THAT I WOULD REQUEST MY CREDIT TO BE PULLED BACK TO BACK. I CONTACTED THE LOCAL CITY POLICE DEPARTMENT AND I HAVE FILED A POLICE REPORT THIS IS FRAUD AND UNAUTHORIZED. THERE ARE OVER   XXXX   INQUIRIES THAT I DID NOT AUTHORIZE AND I HAVE SPENT OVER 60.00 SENDING OUT XERTIFIED LETTERS TO EACH CREDITOR WHICH I SENT COPIES TO EACH CREDIT BUREAU SHOWING I DID MY PART. AT THIS TIME I AM ASKING THAT THE FOLLOWING INQURIES BE REMOVED FROM MY CREDIT FILE THAT I DID NOT AUTHORIZE. EACH CREDIT BUREAU HAS A COPY OF MY FORMAL POLICE REPORTS FROM IDENTITY THEFT. MOST OF THE INQUIRIES WERE FOR ONLINE AUTO LOANS. PLEASE REMOVE FROM CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute by mail asking what form of verification was used to verify the said Debt that doesnt match my records. they claimed that the furnisher has verified it and they dont need to show me proof ... iv reached out to the funisher and they havent responded to my mail or phone calls, yet transunion still claim its verified ... its been 6 months iv tried working on this and im being told the same thing ... iv requested informtation regarding the verification on the debt with 2 certified letters now and havent recieved anything but a credit report copy, that i can get get online for free...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX NEGATIVE 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I tried both by internet and phone to contact this company to freeze both my credit and my husband 's credit. I could not get through and ended up mailing the information required to freeze each of our credit reports by XXXX Mail. I also sent XXXX checks to pay for the service for each of us. The mail was certified delivered and I have n't yet heard a word from anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of fraud perpetrated by Discover Student Loans ( dba XXXX XXXX XXXX XXXX and XXXX XXXX ) and supported by XXXX Credit reporting. 

Specifically, I am being held accountable for an account that is not mine, and they have refused to provide me with any substantive information on such as a promissory note. I have never had a student loan account with this company, yet they are reporting me to the credit bureaus since XX/XX/XXXX and have harassed me for six years. 

For six years, they have called, sent letters, etc., but have failed to take any legal action or provide me with any official account paperwork. I have requested over this six year period that they leave me alone, but they have ignored me. To this end, for six years I have requested official signed verification from them, and they have ignored me. Moreover, each time I have called XXXX, they require that I provide my SSN and DOB before they even assist me. There is an account number listed on the correspondence they have sent me, but they claim that their own account number is invalid. For years I refused to give them any information, but on XX/XX/XXXX, after I learned they were reporting me to at least one of the credit bureaus, I gave them my SSN and DOB because I wanted assistance. They in turn used this information that I gave them to report the account to XXXX! Even after I gave them my SSN and DOB, they still would not give the promissory note, but demanded that I dispute the account on their website. 

When I learned they were reporting to the credit bureaus, I disputed the account. XXXX claimed the account was verified on XX/XX/XXXX with only a SSN and DOBthe very information that I gave Discover when I called for assistance one week earlier! Upon speaking with the supervisor, XXXX, on XX/XX/XXXX, she confirmed that they only verify with a SSN and DOB and do not require a promissory note or a signed contract. She refused to assist me further and stated that I should call Discover for further verification such a promissory note! 

I do not know where to go next. Discover will not give me any official documentation on this account and XXXX is upholding their practices. Both companies have shifted the burden to me to prove that this account is not mine and I have nothing to show because I have never contracted with them. On the other hand, I believe that Discover has a responsibility to provide me with documentation showing that I am responsible. Moreover, XXXX has a duty to report accurate information which they have also failed to do because they used only the information that I provided to Discover verify the account! 

Please investigate the practices of these companies. My credit is being damaged, and moreover, the companies are abusing their power to trick, harm, harass, and take advantage of consumers.
Product: Credit reporting or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that J am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec, 16811 ( a )? I heard that if you can I provide proof, these accounts must be deleted. Well. I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
1 demand the following accounts be veriffd or removed immediately Account : XXXX XXXX XXXX Check report from Identity theft as well in attachment Thank you!
Product: Debt collection

Pressler and Pressler is continuing to sue people in new jersey. 
XXXX Plaintiff : XXXX XXXX XXXX XXXX Pressler and Pressler Defendant : XXXX XXXX The credit card debt is already charged off by the bank. This charged off debt is being sold to third party. 

Subrogation will not be allowed to a third person who without any obligation to do so pays an indebtedness and this rule is fully applicable to payments of an indebtedness secured by a mortgage. '' ( for debt collectors ) also see title 15 usc 1691 I ( federal debt collectors protection act ) which says " nothing in this title ( fdcpa ) shall be construed to authorize the bringing of legal action by debt collectors. '' When a debt collector misrepresents that it is a subrogee ( has the right of subrogation like an insurance company ) it is actionable ( see federal case XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

The credit card company has already been paid by insurance for the charged off debt. The companies like XXXX XXXX XXXX is paying pennies on a dollar for the charged off debt and harassing people who are already in financial trouble. 

1. Plaintiff admits voluntarily purchasing the alleged account causing the Plaintiff 's damages to its own self. Scienti et volenti non fit injuria - " An injury is not done to one who knows and wills it. '' 2. The defendant reserves the right to plead other affirmative defenses that may become applicable and or available at a later time. 

3. The defendant reserves the right to submit counterclaims that may become applicable and/or available at a later time. 

The defendant requests this case be dismissed with prejudice along with any further relief the Consumer Financial Protection Bureau and XXXX deems just and proper. 


This is fraud and needs to stop. Please help. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Checking or savings account

It looks like Chase is doing something similar to what XXXX XXXX was caught doing in opening fake accounts. I was contacted by XXXX XXXX at Chase bank in XXXX XXXX XXXX, CA. She told me that if I opened a new checking account and transferred money in, I would qualify for a bonus of {$200.00}. She said I needed to come into the branch to open the account, which I did about XX/XX/XXXX. She told me that in order to open the account, I would need an employer direct deposit. I told her I 'm XXXX XXXX and do n't have an employer direct deposit. She said that as long as money was transferred into the account within 30 days of opening from a non-Chase account, it would qualify for the bonus. On XX/XX/XXXX, I transferred the required amount from a non-Chase account. 

While I was opening my account, she told me that my wife would also qualify for bonus money if she opened an account as well. I told her my wife is a XXXX XXXX with no income and she said she would qualify under the same rules. My wife went into Chase on XX/XX/XXXX, and opened an account. The person that opened the account was not XXXX and said they did n't know if my wife would qualify or not. The banker suggested I contact XXXX. 

I called her the following week and told her the issue about my wife 's account. She said she would look into it and get back to me. I never heard from her. I called and emailed her several times with no response. Finally, on XX/XX/XXXX, after getting no response from her, when into the branch where she works. I talked to her and told her of the issues with my wife 's account and that I still had not gotten the promised bonus money. She said she would talk to her manager and get back to me the following week. I never heard from her. 

About XX/XX/XXXX, I called the branch and asked to speak with XXXX XXXX, the branch manager. I told her what had transpired. She said she would talk to XXXX and get back to me the next day. I never heard from her. 

On XX/XX/XXXX, I called and talked to XXXX. She said she talked to XXXX and she denied ever telling me what I was told. XXXX told XXXX that I was told it would have to be an employer direct deposit to qualify for the bonus money. 

Of course, that makes no sense. Why would I ( XXXX XXXX ) and my wife ( XXXX XXXX with no income ) open an account with the promise of bonus money if the only way to get that money was a direct deposit, which neither of us have. It seems that XXXX got us to open accounts to increase her bonus. I thought it was weird she would cold-call me for just that purpose.