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

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dated XX/XX/ and XX/XX/ please investigate and provide proof with statements showing that these payments were late. If proof can't be provide i demand these be updated to paid as agreed on time as they should be due to the fact i was never late. thanks! please see screenshots attached.
Product: Checking or savings account

I currently have a TD Bank checking account. on Date XX/XX/2019 I withdrew from my account {$46.00}. After losing my debit card at the nightclub and got my pin stolen they took 2 withdraws of {$200.00} and {$44.00}. I called that night and reported the fraud which my card was canceled. I received a new debit card after a week but my funds were never given back. 

I disputed these 2 transactions 2 times already with the same response. I have no other choice but to file a complaint.
Product: Student loan

I was enrolled in an interest only repayment plan and when the plan was over, on XX/XX/XXXX, an unauthorized amount of money was taken from my bank account.

All letters and account information showed one amount due and a larger amount was taken.

I emailed and called and was told that the loan payments were applied incorrectly for 2 months and that the larger payment was taken for their mistake. I was also told that they had open access to the account and I had given blanket authorization. I asked for the call recording and for a case review and no one has been able to find them. 

I have been calling, filing complaints, emailing since XXXX and no one has found an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. has violated my rights. Or list of inquiries 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 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 b
elieve that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverifiable accounts were unresolved the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experian, alleging Systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures aligned with my experience were experian, has neither corrected nor removed disputed items despite the evidence I provided.causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law and my rights as a consumer.
Product: Credit card

I am writing to formally file a complaint against Discover Card regarding account number XXXX. Over the past year, I have made multiple attempts to dispute fraudulent charges totaling {$2200.00} on my account. These charges resulted from identity theft, and my card information was sold on the dark web. I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted several dispute requests to Discover Card, but my concerns have not been adequately addressed. 

Despite providing evidence of the fraud and following all proper channels, Discover Card continues to report this account on my credit report, negatively affecting my credit score. I have made numerous inquiries, but they have been largely ignored, and no significant progress has been made in resolving the fraudulent activity. 

I spoke with a representative named XXXX, who assured me that a fraud investigation would be initiated to address the outstanding issues. However, after a year of disputing the charges, no real action has been taken, and the inaccurate information remains on my credit report. 

I respectfully request the Consumer Financial Protection Bureau 's assistance in ensuring that Discover Card conducts a proper investigation, removes the fraudulent charges from my credit report, and resolves the ongoing harm to my credit score caused by their inaction. 

Thank you for your attention to this matter. Please contact me at XXXX or XXXX for any additional information or documentation. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX XXXX {$110.00} XXXX XXXX XXXX  XXXX {$500.00} XXXX  XXXX {$300.00} XXXX XXXX {$1000.00}
Product: Debt collection

Hello on XX/XX/2021 I had a medical collection account from a 3party collection company by the name of CommonWealth financial put on my credit report for the amount of {$1800.00}. I requested Validation of the debt be sent to me via certified mail. CommonWealth Financial received my letter and responded with a itemized bill on XX/XX/2021, No contract not signature of each medical procedure they are saying I had done! This response clearly violates my right according to HIPAA. They did not provide me with a HIPAA release form that releases my medical information to them, therefore by providing this information they are in violation of my HIPAA rights! I am proceeding with legal action against the above creditor should this item not be deleted within the required legal time. I will also file a complaint with XXXX and the XXXX
Product: Credit reporting or other personal consumer reports

Im having issues with my identity. Ive been a victim of id theft for a while and im trying to stop this. Im not being able to work due to my information ( Name, SS, address, D.O.B. ) not matching E-verify ( DHS ) system or SSA. Ive gone to SSA, IRS etc. and have had to apply for a new card and full name, address correction. Althought when i try to have the same done to my credit bureaus accounts after multiple disputes, it always looks like the info is never corrected. They keep my name but it is not my full name. This is the reason why i keep having identity screening issues. Ive lost all my jobs due to this and have had financial and mental hardships as a result.I dont know what or why isnt this resolved.
Product: Credit card or prepaid card

I contacted discover over plain tickets I bought that the tickets got canceled and because it was done through a second or third party the airline couldnt refund me. 
I have contacted the airlines and filled a complaint and discover would not refund the money because I cant get proof from anybody showing the tickets where not used by me
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase has submitted a credit inquiry on my XXXX   XXXX. I do not have any Chase financial products nor did I request any. This is the second time that Chase has done this. They blamed identity theft last time, and I have not had my personal info compromised-that has been verified. Furthermore if it were my identity being stolen than why is Chase the only financial institution that I am having issues with.
Product: Money transfer, virtual currency, or money service

I have an account with Binance.us and you need to use a XXXX XXXX to access your account. For some reason it crashed and even though I have a login and correct password, I can not access my account without the XXXX XXXX. 

I have contacted them several times about this, they asked me to send them a screenshot of my bank account XXXX XXXX XXXX ) and a copy of my CA driver license and a video of me asking me to do the following : Don't worry, we can assist you manually. 

To help you with your request, please provide the following requirements to continue : Step 1 : Attach a selfie photo of yourself, holding the same proof of identification. 

Step 2 : Attach a video of yourself, holding the proof of identification and repeat the following phrase : " Today is ( DATE/MONTH/YEAR ), I am requesting to reset my account XXXX for my Binance.US account associated with ( XXXX XXXX. '' Please provide the documentation attached to this thread, or you may use a XXXX link. Unfortunately, we don't accept documentation within XXXX XXXX. 

After we verify your files, we'll authorize the reset XXXX process. Please understand that as a security precaution, we will temporarily suspend the withdraw function for 48 hours. 


- which was all done back on XX/XX/XXXX and have gotten no response I need a new XXXX XXXX  XXXX XXXX and setup key please so I can get back into my account and access my funds. Thanks
Product: Credit reporting or other personal consumer reports

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Product: Mortgage

I am trying to collect my escrow surplus of {$7400.00} for XXXX from my mortage lender Ditech Financial LLC which shows on my XX/XX/XXXX statement ( account XXXX ). 
After numerous phone calls to Ditech customer service XXXX all I get is the run-around about my escrow surplus check.I contacted them on XX/XX/XXXX, They said a check was mailed on XXXX ( I did not receive ) They issued a new check on XX/XX/XXXX, ( I did not receive ) .I called on XX/XX/XXXX and was told someone would contact me, no one contacted me, I called on XX/XX/XXXX and asked to speak to a supervisor or Mgr but they could not locate one.I also asked customer service if they had my correct mailing address, they did.They have all this information on their recorded messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank XXXX Credit Card Inquiry BANK OF AMERICA got a copy of my XXXX Credit Report. 

Bank of America pulled two Soft inquiries and one Hard inquiry of my XXXX Credit Report without my permission. These occurred over the XXXX XXXX holiday on XX/XX/2022. 

I called immediately to Bank of America trying to resolve however they were closed on the holiday. I called XXXX to see if I can dispute it and they were so close on the holiday. 

I called back on XXXX XXXX to Bank of America to resolve this inquiry and they told me they could not help me. That I would have to resolve this issue with XXXX. I didn't call XXXX and they help me file the dispute to remove this inquiry. 

I am now filing a complaint about Bank of America 's business practices to the CFPB.
Product: Student loan

In early XXXX  2024, the Department of Education ( ED ) announced recertification would be extended to fall 2024, at the earliest. My loan recertification date was XX/XX/2024, and MOHELA required me to recertify my income by XX/XX/2024 ( see attached file - " XXXX - XXXX '' ). So ED made this announcement after my recertification was already due to MOHELA. 

On XX/XX/XXXX, MOHELA sent me a letter stating they processed this recertification ( see attached - " XX/XX/XXXX Income Driven Repayment '' ), after ED announced the extension. So MOHELA processed that recertification after the ED 's announcement. ED 's website says payments that increased due to recertification would be reverted to the previous payment amount. MOHELA still has not reverted my new payment amount ( {$650.00} ) to the previous, lower amount ( {$570.00} ), per ED 's guidance. 

I called MOHELA on XX/XX/XXXX and spoke to XXXX ( ID # XXXX ) who did not have a timeline for when payment amounts would be reverted. I called MOHELA again on XX/XX/XXXX and spoke to XXXX ( ID # XXXX ) who said there is no timeline for when payment amounts would be reverted. XXXX also told me they would not put me in administrative forbearance, despite this being ED/MOHELA 's mistake, so I will now be forced to pay the higher payment amount starting with the month of XXXX until they fix this mistake and revert my payment amount. I am counting on PSLF, so I am essentially being forced to pay the higher, incorrect amount ( based on ED 's new guidance ) and if I don't, these months won't count towards PSLF.
Product: Credit reporting or other personal consumer reports

Dear, Transunion Re : Identity fraud victim This wasn't sent inadvertently, and it wasn't a significant false statement. 

I am not a third party i am a consumer and that I have included all of my verification documents, the erroneous information on my credit profile that your agency is reporting is already causing me enough stress and anxiety. Before I have to involve my legal counsel, please remove these unathorized items. 

Please be advised that the accounts in my credit report are the result of unauthorized use of my social security card and number. These accounts were opened in my name without my permission and consent, and they have nothing to do with anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information as the law instruct.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA section 807 violation misleading false reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports.

XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. Code 1666b - Timing of Payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, VA XXXX Sincerely, XXXX XXXX
Product: Debt collection

bought tickets, tryed to cancel or another date they said I couldn't. I went on trip and they charged me twice.for same day-amex card
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$6600.00} XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX PXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

I XXXX XXXX, The real XXXX XXXX validate that i am the original creditor. I attached my social security card # XXXX for identification verification purposes.I have the sole power and control over anything that involves MY CREDITOR because no credit can be created with me. I was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. Please understand that i attached my FTC REPORT # XXXX and I also attached an invoice for all the damages i received due to the violations that your company is guilty of. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, which is technically Identity Theft, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Furthermore, This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. Also I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX XXXX MO XXXX 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. 
I demand that the following accounts be removed immediately.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit card

Application submitted that I requested was not presented to me, Nor was I approved for a card so I am requesting the information to be removed off my credit reports due to me not authorizing the company to run my credit. I am a victim of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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. I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I formally request that you provide validation of this debt. Additionally, under 15 U.S.C. 1681b, I demand that you provide the permissible purpose under the Fair Credit Reporting Act ( FCRA ) for any inquiries you have made into my credit report.

Furthermore, I am invoking my rights under additional federal laws, including but not limited to : 15 U.S.C. 1611 Criminal liability for willful and knowing violations of the Truth in Lending Act ( TILA ).

15 U.S.C. 1666 ( e ) Prohibition on creditors or assignees restricting rights of obligors to dispute billing errors.

15 U.S.C. 78m ( q ) ( 1 ) Requirements for financial institutions regarding proper disclosure of material financial obligations. 
15 U.S.C. 77q Prohibitions against fraudulent interstate transactions in the sale or collection of securities or debt instruments.

To properly validate this debt, I request that you provide the following : A complete and itemized account statement detailing the alleged debt, including the principal, interest, and any fees applied.

2. A copy of the original agreement that created this alleged debt, bearing my signature.

3. The full chain of assignment, including all transfer and sale agreements between the original creditor and any subsequent debt buyers, demonstrating that you have the legal right to collect.

4. Proof that you are licensed to collect debt in my state, including your debt collection license number.

5. A copy of any judgment, if applicable, that you claim justifies your collection efforts.

Until proper validation is provided, I dispute this debt in its entirety. Any attempt to collect an unverified debt may be a violation of the FDCPA and other applicable laws.

Additionally, under 15 U.S.C. 1692c ( c ), I demand that you cease and desist all further communication with me regarding this matter, except to provide the requested validation or to notify me of specific legal actions you may take. Any further attempt to collect this debt without proper validation will be considered harassment and a direct violation of federal law.

Failure to comply with this request may result in legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. 
Please provide the requested documentation within 30 days of receipt of this letter. This letter serves as formal notice that I am fully aware of my rights under the FDCPA, FCRA, TILA, and all applicable state and federal laws. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to use my credit