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

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. 
I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a XXXX collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of XXXX legal standards pertaining to credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting. 
XXXX. **Failure to Furnish Form XXXX : The collection agency has also failed to provide me with a copy of Form XXXX concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations. 
XXXX. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent. 
XXXX. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer. 
XXXX. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Student loan

From the time we applied for an received my son 's federal student loans, we only knew that XXXX XXXX was the servicer of these loans. 

XX/XX/XXXX received email from XXXX XXXX notifying us that the student loans would be transferring to XXXX. 

XX/XX/XXXX received welcome email from XXXX notifying us that the student loans had been transferred to XXXX. My son set up his account profile on XXXX in preparation to makes payments. 

Starting in XXXX, my son made payments in different large installments via direct bank transfer to his XXXX account ultimately completely paying off his student loans in a matter of a few months. 

XX/XX/XXXX received email from Edfinancial advising student loan payment was due on XX/XX/XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX received emails advising student loan payment was due even though we had already explained that we had no knowledge of having any loans outstanding with Edfinancial. My son provided proof of payment with XXXX and we have spent a considerable amount of time on the phone attempting to resolve this issue with Edfinancial. 

As of today, XX/XX/XXXX, we still have not heard from anyone at Edfinancial about this situation and it still shows that we owe Edfinancial the full amount of the loans that were paid to XXXX.
Product: Debt collection

Im trying to fix my credit an its a few things on my credit report that been over XXXX years an I keep dispute it an they want take it off the name of the company Jefferson capital system an XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized hard inquiries from experian XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a new collection on my credit report that I did not get any notice or warning of. I never received a 30 day right to dispute letter and I never received any notice that this was a collection until I saw it on my report. This is in violation and I would like it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up 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 written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, hereby authorize Equifax reporting bureau to remove the specified fraudulent creditors and inquiries under the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S Code 1681s-2 on my behalf. 

Dear Equifax Credit Bureau, I urgently bring to your attention the discrepancies in my credit report. Alongside my complaints filed with the FTC and CFPB, I urge the bureaus to impartially address these inaccuracies. The unauthorized access by certain creditors necessitates the immediate deletion of the following : XXXX. Collections- XXXX XXXX ( originally XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  - XXXX ( auto loan opened fraudulently ) XXXX. XXXX XXXX XXXX {$6100.00} ( identity theft ) XXXX. XXXX Account # XXXX ( fraudulently opened ) Inquiries for removal : XXXX. XXXX XXXX, XXXX Company : XXXX Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX. XX/XX/XXXX Company : XXXX Address : XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX. XX/XX/XXXX Company : XXXX Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX. XX/XX/XXXX Company : XXXX XXXX Address : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, ND XXXX XXXX. XX/XX/XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OR XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX As someone of XXXX identity, I seek fair and unbiased treatment in this matter. I await your prompt resolution in compliance with regulatory standards. 

Sincerely, XXXX XXXX
Product: Debt collection

I had credit card debt roughly {$3000.00}. My debt had been transferred to Portfolio Recovery Associates ( PRA ). My debt attorney settled the case for {$400.00}. I have made XXXX installment payments of {$100.00} totaling {$400.00} to account # ... XXXX XXXX BANK. I was hoping I had resolved this account with my full payment. 
However, the last payment was misapplied to the incorrect account # ... XXXX XXXX XXXX XXXX BANK, which was another debt with PRA which I have and contesting. 
Therefore, leaving me at {$300.00} paid, and the other {$100.00} misapplied. 
I 've continuously called, emailed, sent bank documentation providing payments and receipt. I 've also involved my lawyer hoping to resolve the case. Unfortunately, they have not contacted my lawyer back. My lawyer notified me to " file a complaint with The Consumer Financial Protection Bureau. They have previously sanctioned Portfolio for bad faith collection conduct. '' Therefore, I am contacting you and can provide more detail at your request.
Product: Debt collection

MIDLAND placed a out dated, no longer valid collection on my credit. I disputed it and my bureaus found that to be true and had it removed. Midland sent it to a law firm after it was removed and now the law firm is calling numbers that are related to the company i work for but dont get to me directly. I called the law firm and they said that its a open account and that ill have to submit my deviance as proof that it was indeed disputed. didnt give me any information or how to do so, so i told them that they would need to get MIDLAND to supply that information since they were the ones who sent the " colleciton '' to them after it was removed and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

after disputing the following debts with XXXX 4 times and XXXX and TransUnion 3 times they have came back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified. The Fair Reporting Act ( FCRA ) requires the Credit Bureaus ( XXXX, XXXX & TransUnion ) to have PHYSICAL COPIES in THIER files of  documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU Under the FCRA, Credit Reporting Agencies ( XXXX, TransUnion & XXXX ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer since XXXX, TransUnion & XXXX can not provide proof of verification to me in the form of a physical contract document per written request to do so- the account is classified as " UNVERIFIED '' and under the FCRA- all UNVERIFIED accounts MUST BE DELETED. The FCRA reqires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification According to case law the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT. by providing all of this information, there is no question that i am the one making the written request. i request that XXXX XXXX XXXX And XXXX XXXX XXXX be removed from my credit reports.
Product: Student loan

My loans were switched to Mohela. I submitted my XXXX form a couple of months ago. They still haven't processed the form even though the email I got said that it would be processed by the beginning of XXXX. Also, according to their website, I have made enough qualifying payments to have my loan completely dismissed. They haven't processed this either. 

I have called, but the wait times are usually over 165 minutes. I have sent emails with no response. 

I heard on the news that they are being sued by the state of California for not submitting loan forgiveness when the needs have been met and for extremely long call wait times, and for not getting back to people. Now these things are happening to me. 

I want to know when my loan will be forgiven since I have made the qualifying payments. 

Thank you!
Product: Credit reporting or other personal consumer reports

I just XXXX my credit report and I seen XXXX hard Inquires on my account XXXX from tower loans and XXXX from XXXX XXXX  card I contacted XXXX and XXXX they had me reach out too you all I did not authorize any XXXX too pull my report or create a hard Inqiry which has made my screen drop tremendously also I got a letter from XXXX XXXX XXXX XXXX saying my account is in a data breach and offering XXXX XXXX theft protection
Product: Credit card

I lost my job in XXXX of this year. I was able to make payments on my credit card in XXXX and XXXX. In XXXX, my unemployment ran out. I called Capital One and advised them of the situation. I made my XXXX payment, but missed my payment for XXXX. I called Capital One again. They agreed to put me on a repayment plan, which includes no late payment fees, no over the credit limit fees, and allows me time to pay off the card. They had previously charged me XXXX late payment fees and XXXX over the limit fee ... .each XXXX being {$35.00}. They claimed at the time that my minimum payment was {$150.00}. This took my balance down below my credit limit, to {$480.00}. ( Credit limit is {$500.00} ) After removing the XXXX fees ( which totaled {$100.00} ) that *should* have made my minimum payment for XXXX {$45.00}. Nope ... .it 's still {$150.00}. Capital One continues to call me, insisting that taking those payments off my account did NOT affect my minimum payment, and that I *now* owe {$150.00} on a {$480.00} balance. That 's a THIRD of the outstanding balance. I 've advised them that they need to fix my account, since my payment is messed up. They refuse to do so. I 'm almost to the point of telling them where they can put their XXXX card!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the home buying process. I have asked numerous times for my credit report. The Leander XXXX XXXX NMLS ID # XXXX has given me every excuse to why he can not give me the information. I can not move forward unless i have another leander run my credit. He knows this and is being very unprofessional. I shouldnt have to work this hard to get my own information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account listed on all three of my credit reports is inaccurate, how can all three credit bureaus have three different open dates for this account. XXXX  is reporting XX/XX/2015, XXXX  is reporting XX/XX/2015 and Equifax is reporting XX/XX/2015. This is not good for my credit report worthiness.
Product: Debt collection

I supplied a cease and decease letter to XXXX of the Skytrail customer service after numerous contact with the company informing them I would be off work due to injury. They continued to contact me after the notice via phone, text, emails and numerous voicemails at my employment. The calls have started as of XX/XX/2018 3-4 times a day, the cease and decease letter was email to the company on XX/XX/18 and I received and email from the company acknowledging receipt and they also stated they would continue collection calls on XX/XX/18. Today XX/XX/18 I have received 2 more calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing this letter to request the deletion of inaccurate information I have discovered on my credit report. 

The reference listed under XXXX XXXX, was original XXXX XXXX account is inaccurate and based on CFPB findings, this is due to fraud and identity theft as the full outstanding amount was paid directly to XXXX XXXX XXXX XXXX should not be reported or shown on my credit because it is inaccurate, and I do not have any legal reseason to be on my credit. Since this fraud and inaccurate report by XXXX  XXXX, I request that this inaccurate account be deleted because it is hindering my life as it is negatively impacts me and it violates my rights. 

Enclosed you will find a CFPB letter after they researched my complaint and found that it was indeed a fraud, including the amount paid directly to XXXX XXXX, so XXXX XXXX does not have any reason to be on my credit report and must be deleted and removed from my report as stated under 15 U.S.C 1681 Section 602 A States I have the right to privacy. 
In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights as it is a fraud account, and it is also paid and should be deleted from my credit report. 

Please evaluate this information and delete this fraud/paid account from my credit file as you see fit. 

Sincerely, Signed XXXX XXXX.
Product: Credit card or prepaid card

I bought a dog from XXXX in XXXX Texas, it was a promotional and it was 12 months 0 % interest and this was right before Covid 19 hit. So right before it happened I lost my job so I couldn't get unemployment. During this time I was able to find a job at XXXX and make some payments then when I was struggling to put food on the table I find out the banker that petland is XXXX XXXX XXXX and they had a Covid relief program where you could apply and it was 3 months no payments and no interest well I had to apply twice. They added late fees as well as once they second time was up they slapped me with huge charges. My dog went from XXXX to XXXX. So once this happened I went about my day until I could just pay it off. Well now that it's paid off guess what they do. They added a late fee for this month though I don't have a balance. This has docked my credit almost 200+ points. This needs to be looked into deeper.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent certified mail to The reportion credit unions about illegal activity being written on my report. With no response. 


Under 15 USC 1681b - permissible purpose of consumer report, XXXX XXXX CLEARLY STATES : ( a ) IN GENERAL subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusion from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to subsection 1681s-XXXX of this title any- ( i ) Reports containing information solely as a transaction or experiences between the consumer and the person making the report.
Product: Money transfer, virtual currency, or money service

On XX/XX/ I made a transfer from my XXXX XXXX to my Robinhood account. Transaction amount below {$2000.00} {$2000.00} It arrived my Robinhood account and ever since I haven't had access to my funds, I spoke with Robinhood several times and provided every information they needed and they still wouldn't allow me access my funds.

I'm asking for help for immediate access to my money
Product: Credit reporting

Every time my credit report is obtained it always shows a different balance and different dates, it has put a complete hold on my future because of this incorrect information
Product: Credit reporting or other personal consumer reports

I have requested that XXXX, XXXX and Experian remove the following collections without success. 

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. 

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 Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 item 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

I was never late for these months. I have proof payment was made to the account. I was never late. Please update and make corrections for this account XXXX I was never late in XXXX of XXXX or XXXX of XXXX or XXXX of XXXX. Please update my account it hurting me from closed on a house.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report that I believe to be the result of identity theft. I want to clarify that this letter and the accompanying supporting documents are genuinely from me, and I affirm the authenticity of the documents enclosed. I am aware of the seriousness of the matter and the importance of providing accurate information when disputing items on my credit report. Therefore, I want to confirm my identity and the legitimacy of the documents I am submitting for your review. 
Furthermore, I dispute the following accounts on my credit report, which I believe are the result of identity theft : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX I opened a small business checking account with Chase Bank located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. I have two complaints : 1 ) When opening my account, I specifically stated ( twice ) that I DID NOT want my information sold and requested that it be noted accordingly. The Relationship Manager ensured me he did. Within two weeks, I received a SPAM text, email, and phone call informing me there were issues with my account and therefore my funds were frozen requiring me to call the number provided. I didn't call the number provided, instead, I call the Chase Customer Service number which they refused to help me because I didn't have my ATM card number with me. I provided them with all the other pertinent information to verify my account but was instructed they couldn't access my account without the account number. I had to wait a week when I return to town to call because I was unable to access my account through my APP. After I placed the call to confirm my account was not " frozen '', I received a call from a woman stating she was a relationship manager following up on my experience with Chase. When I explained what happened, she asked me to hold while she got a member of her IT department on the line, who was a male with a strong XXXX XXXX. While I was on hold, I XXXX  the phone number that was displayed on my phone. The woman then returned and asked me for my account number and password. I told her I XXXX  her number, and it wasn't a number from Chase Bank, and then she informed me she was calling from her cell. I hung up on her and she called me back from another number, which when I called it back was disconnected.

2 ) I used XXXX to transfer {$2400.00} to my Editor. I had over {$10000.00} in my account. My Editor informed me she did receive the money. I called customer service and was informed that they put a hold on the funds until " the back office '' approved the transaction. My Editor did receive the money until late that evening, which was an issue since I was on a tight deadline. Chase has no right to hold my funds of {$2400.00}, which is a legit business transaction. When I called the branch to inquire why they held up my funds, I was told they wanted to ensure I wasn't laundering money, which is the most absurd thing I've ever heard. The money was being transferred from XXXX XXXX XXXX.

Chase Bank is more concerned with placing a hold on my money for a legitimate business transaction for a measly {$2400.00} than they are selling my information, which required me to go through several hoops to ensure the safety of my funds.

When I went in to close my account, I reminded the Relationship Manager that I requested my information not to be sold and asked him why he lied to me and told me he noted my account. He had no response.