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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$26000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I emailed the company for an ach revocation on my checking and debit card and they refuse to do so. They responded with the following email. 

Hi XXXX, I understand that you're requesting to revoke ACH and debit authorization. I can provide some insight. 

We received your request for revocation, however please note that this process does not apply to settlements of XXXX. 

When opening the XXXX account, you agreed to allow us to transfer funds from your connected bank accounts for any outstanding overdrafts on your account. This is disclosed to you as a reminder when you take out XXXX, which results in a negative balance, where you also agreed to any service and/or optional express fees and optional tips. 

On this day, Dave will automatically transfer funds from your connected account ( s ) for the settlement. If the first account has insufficient funds, Dave may use your other settlement methods ( Dave Checking account, external debit cards, or external bank accounts ).

Not to worry as there are no penalties or fees for late settlements. If there aren't enough funds available to cover the full amount on your settlement date, we'll attempt to transfer funds until the amount is fully settled.

Thanks for contacting Dave. 

Dave 's friend, XXXX
Product: Checking or savings account

On XX/XX/2021, I was looking through my banking account and saw that two unauthorized transactions had occurred. Both transactions were conducted on XXXX  in the amounts of {$330.00} and {$390.00} and were recorded on XX/XX/2021. I immediately reached out to the Bank of America fraud department to dispute the claims. The charges were credited back to my account as they initiated an investigation. On XX/XX/2021, I received a letter from Bank of America and they denied my claim in total, yet I only received a breakdown of the {$330.00} and not the {$390.00} charge. Their reasoning was that XXXX XXXX provided documentation that proved the transaction was valid. The documentation provided was a online order using my name, address, and phone number but listed a email address that is not mine. It appears that someone gained access to my account and made unauthorized purchases and then picked them up at a XXXX XXXX. I called Bank of America again to dispute these charges and was told that they appear valid. I also made a complaint about only receiving partial documentation from them. Someone used my identity and money to make these purchases. I was told I need to mail in a signed statement to reopen the claim but they will take the money they originally credited me back. So now I have to wait on a physical letter to be mailed to them. This is ridiculous and unfair to me. I have been with this bank for 15 years and will be looking to take my banking elsewhere when this is over. 

I have filed a police report with the XXXX XXXX Sheriff 's Department on this matter and the report number is : XXXX.
Product: Debt collection

I checked my credit report and discovered that this company has reported that I owe them a debt. I never received notification of this debt prior to them placing it on my credit report. My rights were violated
Product: Credit reporting or other personal consumer reports

I asked XXXX XXXX to remove the paid and closed account from my credit report. This account is keeping me from getting other credit cards because it shows as potentially negative and charged off. Please remove the paid account!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for XXXX XXXX credit monitoring on XX/XX/XXXX. On XX/XX/XXXX, I cancelled my account and requested by email deletion of all stored personal and financial data. 

XXXX XXXX representatives are refusing to honor my request, stating XXXX XXXX has the right to retain possession of my personal financial data for two years. XXXX XXXX representatives are refusing to disclose the specific policy or regulatory entity that they claim gives them this power. 

I find it deeply concerning that XXXX XXXX XXXX emails to me contain no representative name, no links to the policy or entity that XXXX XXXX is alleging gives the company the power to keep, store, and otherwise use my personal financial data for two years following my initial request for account deletion.
Product: Credit reporting or other personal consumer reports

Experian has repeatedly failed to conduct a proper investigation into my previous disputes regarding inaccurate information on my credit report. Despite multiple complaints filed over the past several months, Experian has either ignored critical documentation, failed to provide a meaningful response, or simply verified inaccurate information without conducting a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 

I submitted formal disputes to Experian, providing supporting documentation such as identity verification, proof of errors, and letters detailing why certain accounts should be corrected or removed. However, instead of addressing these concerns, Experian either : Closed the disputes without providing any evidence of an actual investigation, Verified inaccurate information without considering the documents I provided, Sent generic responses stating that the disputed accounts were verified, without explaining the method or sources used, Ignored requests for proof of verification from the furnishers, which they are required to obtain under 15 U.S.C. 1681i ( a ).

Additionally, Experian has failed to comply with the 30-day dispute resolution timeline outlined in the FCRA. Some of my disputes were left unresolved past the legally required timeframe, while others were closed prematurely without a proper investigation. 

Due to Experians negligence in handling these disputes, my credit report continues to reflect inaccurate and misleading information, negatively impacting my creditworthiness and financial opportunities. I am requesting that the CFPB intervene to ensure that Experian conducts a thorough and lawful investigation into these disputes, provides a clear explanation of their findings, and removes any unverifiable or incorrect information from my credit report.
Product: Credit reporting or other personal consumer reports

Dear [ XXXX XXXX Loan Servicer ], I am writing to formally dispute the handling of my student loan due to the recent FERPA violation involving unauthorized access and mishandling of student loan borrower data. Given this breach, I am requesting an immediate review of my account and full loan forgiveness as a remedy for this violation of my federal rights.

My concerns include : 1. Unauthorized Access to My Student Loan Data Recent reports indicate that borrower information was accessed by unauthorized individuals. This is a direct violation of FERPA protections, which require my student records to remain private.

2. Failure to Secure My Personally Identifiable Information ( PII ) My Social Security number, financial records, and other sensitive data should have been safeguarded. This failure puts me at risk of identity theft and financial harm.

3. Breach of Trust and Federal Compliance As a borrower, I entered into this agreement with the understanding that my data would be handled securely and lawfully. This breach calls into question the legitimacy of my loan servicing and the Department of Educations compliance with borrower protections. 



My formal request : Due to this serious violation of federal law, I demand full discharge of my student loan balance as an appropriate remedy. The government and its loan servicers have failed to uphold their legal responsibility to protect my private information. I should not be expected to continue repaying a loan that was mismanaged and that has exposed me to financial risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with XXXX EXPERIAN AND XXXX about hard inquiries on my CREDIT REPORT that are not mines PERIOD. The ( ONLY ) hard inquiry that is mines is the ( XXXX 'S ) that's showing on my EXPERIAN only. I also called the fraud departments on ALL the other hard inquiries on my 3 CRA 's and THEY sent over requests to have them DELETED yet they are still there. And XXXX  AND XXXX both have yet to provide me with ANY/ALL documents they have with my signature on it that gives them the right to have a Child support LOAN showing on my CREDIT report.
Product: Mortgage

We have not been able to work with XXXX XXXX XXXX and now Green Tree Servicing and have not had a mortgage payment since 2006 when XXXX was refinancing. Green Tree Servicing has stonewalled all our attempts to get a gov't program and/or loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, Transunion, and XXXX to show proof of how they continuously verified these accounts showing up under my social security, and they have yet to show proof and/or remove those accounts from my credit profile, I have disputed these account for the past XXXX, asking each credit reporting agency to provide proof of how they verifed these account, and show proper documentation. Accounts below : XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account Number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX ( {$20000.00} ) Account Number XXXX XXXX XXXX ( {$8500.00} ) XXXX XXXX XXXX XXXX {$0.00} ) XXXX XXXX Account Number XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received an email from " OneMain Financial '' XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX which stated that, " We're reaching out to confirm the outcome of your loan request ( s ) submitted through a financial services website, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX their number, called, and gave the reference number that was in the email body. The man on the phone said that they were getting a lot of calls, because their legal department sent out a batch of letters and emails letting people know that they were denied a loan. He assured me that it was not fraud, and that I had not applied for the loan, but that it was a preapproval offer through XXXX XXXX, and that they were having to inform everyone that they were denied a loan that they didn't apply for. (? ) The email also states that the date of my " application '' was XX/XX/XXXX, over six months ago. 
I'm not sure if this is allowed, or if it was just a letter going out that they should've sent previously for something they are ( somehow ) legally allowed to do. 
I'm not sure if XXXX XXXX is at fault or OneMain Financial, or maybe both. 
XXXX XXXX of email has been uploaded. )
Product: Debt collection

XXXX XXXX helped me settle my debts. The account is settled and paid. The collection agency who accepted the settlement sent the account to an attorney office. I provided proof the the settlement to the attorney office but they are now suing me for said paid debt.
Product: Debt collection

My name is XXXX XXXX. In XX/XX/XXXX, I was served a document regarding a credit card, which I did not recognize. I contacted the bank listed on the paperwork to inquire, and they informed me that a credit card had been opened in my name, maxed out, and sent to collections. I reached out to the collection agency to dispute this because XXXX a victim of identity theft. They told me the case had already been forwarded to XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX and explained my situation, and they instructed me to complete an affidavit of identity theft and submit supporting documents. I did so, paying for the mailing, but after following up, they told me the documents I sent were insufficient. I asked what additional information was needed to resolve this and was told I would need to file a police report. This is why the police report is dated in XXXX XXXX thats when they told me to do it. 

When I appeared in court on XX/XX/XXXX, the judge asked if I was aware of the credit card account, and I told her no. She also asked if I had received any bank or credit card statements for this account, and I explained I hadnt because Im a victim of identity theft. The judge instructed me to gather witnesses and further documents. 
Now, XXXX preparing for the trial on XX/XX/XXXX, where XXXX be representing myself, and I need guidance on how to support my case. I want to know what documents will help me dispute this claim and how I can prove my innocence. Additionally, I would like information on filing a motion to dismisswhether its a letter or something I say in court. I should also mention that back in XXXX, I saw this credit card on my credit report and disputed it with XXXX. At the time, the collection agency was listed under a different name, Continental, before it was sold to CKS Prime, which is now involved in the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has incorrectly reported I have only XXXX years of credit history. This has caused denial of credit because my credit is " new ''. It has also lowered my credit score significantly. I have had credit since XXXX. 
This information was reported correctly previously. 

XXXX XXXX has on their site, my credit history " needs work ''. I am XXXX years old. I have already put in the work, paying off student loans after 30 years, paying off furniture store credit cards, car loans, etc. A credit card company for XXXX XXXX closed my account because I didn't use the card. Another credit card company charged fees even though the card had a XXXX balance. I closed it to save money. ( I am a XXXX. I can not afford to pay fees for a XXXX balance. ) None of this is reported. 

Transunion is only reporting open credit. This creates a skewed history. 

I am a XXXX XXXX. I was born during XXXX. It is fact, XXXX were purposely denied credit solely based on being born XXXX. Being the direct descendant of XXXX, daughter of parents born into restrictive legal XXXX and I was born during XXXX, I did not have the means to afford a mortgage until XXXX years ago. Otherwise I would have a longer history in terms of home ownership. I do have a longer history for other types of credit. 

Transunion needs to correctly list my credit history as XXXX years not XXXX. It needs to report my work experience as XXXX XXXX XXXX since XXXX. 
I briefly worked for XXXX XXXX XXXX from XXXX until XXXX and I returned to XXXX XXXX XXXX. I am still employed. 

My addresses are reported as if I am transient. I have lived in apartments. The last XXXX dwellings I occupied, I lived there for XXXX years each. 

Transunion has a history of age and XXXX discrimination in their work place. 

There are XXXX people, who are alive today, who benefitted from legal XXXX financially. Some of those people still believe XXXX are less than human and deserved the maltreatment they experienced. These people are now doctors, lawyers, bankers, teachers, and Transunion employees.
Product: Student loan

To whom this may concern, I have recently been doubling my efforts to pay back my student loans. I have not missed a payment in the 10 years that I have been attempting to work off my debt. I borrowed nearly {$65000.00} in private student loans for a XXXX degree in XXXX. I still owe {$60000.00} after 10 years of paying. 


Providing that much money for a XXXX in XXXX should be illegal. It boarders on a predatory loan. I have been lucky enough to find a job that allows me to afford to pay back my loans, but it took much personal sacrifice and deprivation. 


Here is a list of my loans and the percentages of interest that I am being charged : XXXX 5.5 % XXXX 4.5 % XXXX 7.5 % XXXX 6.5 % XXXX 10.5 % XXXX 6.5 % XXXX 10.5 % The loans numbers are respectively : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 


This is sickening that I am being charged interest rates at this level. I have already paid the money back that I borrowed and now I am being gouged for interest. How can I be charged interest rates at this level? My first car loan was less then 5 %. My credit is excellent and I have a stable job. It is awful that Navient is making money on the backs of people that are responsible enough to pay their loans, but do n't have enough money to have a life because of it. 


Thank You, XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

The Winn Law Group has contacted me regarding a XXXX credit card debt that I had to stop paying on in 2009. The 4 year statute of limitations in the state of California has passed and they can no longer sue me yet they continue to call, mail and harass me.
Product: Credit reporting or other personal consumer reports

Could you confirm whether FCRA 605B necessitates the removal of any erroneous accounts from my credit report? I believe some of the listed accounts are incorrect. It's making me uncomfortable, so could you please double-check the documents?
Product: Checking or savings account

At XX/XX/2017, I received a offer deal information in my Bank of America XXXX account, which states I could earn a {$100.00} bonus after I receive two direct deposits of at least {$250.00} each within 90 days of new checking account opening. So I opened the account at that date, and I received an additional confirmation letter from Bank of America at XX/XX/2017, reference # XXXX. From then, I have received multiple direct deposites more than {$250.00} including payrolls and tax refunds, but I still didn't receive the bonus until today. I have contact Bank of America about this issue, but the representatives continus telling me that I should not be targeted for this offer because I have already took this bonus before. I acknolwge that I had another {$100.00} bonus from Bank of America in the early 2017, but the second offer letter doesn't mentioned this is a once per lifetime offer. As a result, I want want to get your help to receive the {$100.00} bonus from Bank of America. Thank you!
Product: Credit reporting or other personal consumer reports

I Filed dispute against 2 reported collection charges on my XXXX and XXXX Report. Each was from the same company at the same amount, XXXX dollars. One stated delinquency date was XX/XX/year> and the other was on XX/XX/year>. 
I requested a detailed description and charges of the alleged products or services reported for each and the date I allegedly received the product or service. Also, according to HIPPA, it was not to be disclosed without my written consent that I received medical/ health services form this company without my written consent. This is displayed on each credit report. They were asked to provide this and they did not. I have been charged for something without any disclosure or description of products or services. I should not be expected or required to pay for anything that a validation or description of products/services can not be provided. XXXX and XXXX replied that the information was verified but did not provide me with any documentation requested on validation. I also requested if any insurance claims against this alleged service or product be provide with detailed information. I have received no validation of the charges or authorization to disclose that I received XXXX XXXX XXXX XXXX XXXX XXXX has not been adhered to.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATONS : REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX ONLY REMOVE THESE INFO : XXXX XXXX XXXX XXXX, TX XXXX Dispute this ACCOUNTS ONLY REMOVE : XXXX  XXXX/XXXX  : XXXX View account details Account status Age of Account Late payments Closed 4 years 4 months 4 days 6 View account details Account status Age of Account Late payments Closed 2 years 11 months 24 days XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 5 months 19 days XXXX XXXX : XXXX XXXX View XXXX, XXXX : XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX XXXX  Date assigned XX/XX/XXXX XXXX, XXXX. 
View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I contacted Zelle for money that was not transferred ln time and for transactions that never posted to my account and according to people the money was sent to my number/email
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went on my credit report to see what I could be eligible for and XXXX hard inquiries were on my report I didn't recognize such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had called XXXX credit places XXXX XXXX and XXXX and the both said they cant do anything without a report from the FTC
Product: Credit reporting or other personal consumer reports

The following address are non mailable address. Please remove them from my credit report. XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Also remove the following employers. I do not work at any of these jobs. XXXX ; XXXX XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX
Product: Credit card or prepaid card

Specific credit criteria for the cards range of offered interest rates was never provided in violation of federal laws. 
The highest rate was applied. 
The letters sent too late and only after a cfpb complaint # XXXX were addressed to another person. 
The barclays website 1. showed a higher FICO at the time of the account opening and also 2. a fake fico and fake credit report reasons was sent along with the erroneously addressed document from barclays responding to the original cfpb complaint. Theres no possible way any of those reasons belonged to me NOR would they result in a score as high as XXXX. My score was nearly 760 at the time of my application. 
No legal action or penalties have been levied against barclays for this rate scam and subsequent violation of federal laws.

See also XXXX See attached screencaps of docs sent and score from barclays website.
Product: Mortgage

After approved for 4 % property taxes ( previously 6 % ) for XXXX and XXXX, mortgage co BSI Financial was provided with all necessary docs XX/XX/XXXX. I requested re-calculation of escrow analysis still not received a month later. I pd the mortgage based on old escrow analysis for XX/XX/XXXX. On XX/XX/XXXX, I was told it would take two weeks and heard nothing. When I called back XX/XX/XXXX they said This will all be straightened out just give me 2 days ( XXXX XXXX ). On XX/XX/XXXX via email, Its a process per XXXX XXXX. Ive provided all documents. Today XX/XX/XXXX XXXX XXXX stated my refund from XXXX was sent to BSI as well as the refund for XXXX tax yr. I emailed XXXX XXXX today XX/XX/XXXX to find out if they received the refund to which he responded Its a process. Despite having the new property tax amount showing 4 %, BSI STILL pd XXXX XXXX at 6 % XXXX XXXXXXXX.