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

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 ) under 15 USCS 1666b ( a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ) Upon receiving a dispute credit bureaus are required to conduct a reasonable investigation Under 15 U.S.C.1681i ( A ) ( 1 ) ( a ) I request information on investigation was told they dont have any
Product: Student loan

When the rules changed on the public service loan forgiveness program which I was previously not eligible for, I submitted the paperwork for my 17 year public service career to have loans forgiven and possible refund of overpayment. My loans were previously serviced by a private servicer ( XXXX XXXX XXXX ). All along the way, I was toldk that any overpayments beyond the 120 I had made would be eligibile for reimbursement. I even submitte additional paperwork for a previous position faxed addtional info at my expense to include this position even though my current fullfilled the 120 payment/10 year threshold. Multiple times I was told that I should be in line for a refund of overpayment ( approx. XXXX XXXX ). Just today I learned that because I paid a private servicer for the 10+ years, I am not eligible for a refund. I was told wrong info all along the way.
Product: Money transfer, virtual currency, or money service

Brigit is sending me several texts a week about an account balance with links for an account that I do not have. Ive contacted them to try to figure out whats going on and have asked them several times to fix this. Someone signed up for an account using my phone number. I asked Brigit to remove my number multiple times ; I am not associated with that account. I do not have an account with them, never have and never will. This has been going on since XX/XX/year>. They refuse to remove my number. I block and report junk each time they text me but Brigit just texts me from a new number a few hours or a day later.
Product: Bank account or service

The Us Bank operations ctr. XXXX XXXX mn. XXXX, Phone : XXXX have a report on my chexsystems record saying that possible false information used in opening an account. I used my proper and legal identification opening this account. The U.S. bank closed my account and took the funds I had in my account
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my Citibank Visa card was charged a transfer fee of {$2000.00} to a company called XXXX XXXX XXXX and I have no idea why or how this happened it was supposed to go to my Chime bank Visa card but instead went to XXXX XXXX XXXX and I have tried contacting both companies and got nothing resolved at all so Im out {$2000.00} for this issue. Can you help me? Thanks
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$450.00} Unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter as a consumer to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. XXXX XXXX violated my privacy by furnished a bankruptcy referenced number XXXX to XXXX XXXX and to XXXX, Equifax, and XXXX. I did not give XXXX XXXX permission to furnish this information, as I have a right to privacy. It has also been over thirty days since i have sent the letter. By law, a company has 30 days to investigate, and I have yet to receive a response regarding my dispute has been received.
Product: Mortgage

Recieved a letter ( dated XX/XX/2023 ) from Umpqua Bank that my loan was being transfered effective XX/XX/2023. With information of the new servicer and that Umpqua Bank will no longer be accepting my payments from me after XX/XX/2023. However I also recieved a morgage Statement indicating that I was to make my next mortgage payment by XX/XX/2023. 

Here it is XX/XX/2023 and I am unable to make a payment using Umpqua 's online payment site. And the new servicer " XXXX XXXX '' doesn't appear to be able to find my loan number indicated in the letter from umpqua bank that I had recieved on XX/XX/XXXX. 

I am past due on the payment, as i am unable to pay either Umpqua or this new servicer " XXXX XXXX '' and I'm sorry That sounds like a fake outfit if I have evern heard of one. 

Thank you for your time.
Product: Checking or savings account

There was a data breach and the company that I use for direct deposit through my work had their files stolen and my checking account number was released to the world wide web. I called in the regular number- the woman that answered had an accent - seemingly they've outsourced to the XXXX as well. She literally told me that there was nobody that could talk about that and to go in to the bank. 
Obviously this is very time sensitive. I was extremely surprised at the way this was handled. I currently don't have a clear answer on how to resolve this and banks are closed this weekend due to the transition over to BMO, so I can't actually go to a bank.
Product: Student loan

I currently owe something around XXXX a XXXX  for what is essentially a loan for a XXXX  XXXX  camp that I did through a university. I am permanently XXXX  and not really able to pay my bills and have been trying to work with EdAid to get some kind of a permanent reduction in what I owe so that I don't have to default. They've been unwilling to do that and also have an unwilling to remove my bank account information from their system. I can't seem to find any other way to do it and they insist my checking account information has to stay in there. I would rather default than have them take away the last little bit of money that I have since I need that to pay my food, utilities, rent etc and don't want to be homeless just to pay off a debt for a meaningless, useless XXXX  XXXX camp certificate to a company that seems inflexible and not super interested in helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account ( XXXX XXXX  XXXX ) in the amount of {$1500.00}. This balance is showing on my credit reports which is incorrect as it has been paid in full by the dealer on XX/XX/2019. I had contacted XXXX XXXX XXXX  personally myself to confirm the payment from the dealer was paid in full to the bank. It has been confirmed as paid in full and XXXX balance. I disputed this amount with all 3 credit reporting agencies and received a response today from XXXX that I need to submit additional information or they will not dispute this for me. This is wrong because its adding to my debt to ratio and in fact I do not owe this amount. It is affecting my credit score. I do not have proof that the {$1500.00} was paid in full as I mentioned earlier when I turned in the old lease the dealer paid in full the balance owed to the bank and I re-leased a new vechile from there.
Product: Debt collection

Tuesday XX/XX/year> I was notified today that I was in collections for renting at XXXX XXXX XXXX XXXX. When I was notified from a recent leasing agent at an apartment building I applied for showed that after there second screening of rental verification that I popped up in the system for collections for lumen. I was unaware of the this debt and had XXXX clue what she was talking about and decided to go look and discover on my credit reporting that they are say I owe the XXXX  of dollars when they clearly violated the lease agreement I signed and was made false promises while living in the unit. I made it very clear I can not live with roommates that owned pets due to me having a XXXX XXXX XXXXXXXX and I asked to move rooms and requested many times to move and no accommodations where made and I was consistently ignored because the building was being reconstructed due to freeze warning that caused the pipes to burst on one half of the building leading them to have to vacate majority of the building and accommodate that half of the building while the other half of the building basically had to live in a construction site. When talking on the the phone with the debt collector about the charges she communicated with me as if I was subordinate and proceeded to get angry with me and speak in a disrespectful manner to me when I was clearly not knowledgeable of the debt she was trying to collect. Southern management company just seems to me like a fraudulent company that threatens people and does not seem to be able to communicate with others in a pleasant way.
Product: Debt collection

I have called once a day at different times to see if they answer EVERY MONTH AND NO ANSWER I have tried to reach them over and over to find out how much I owe. Because I only have one last statement from XXXX. That just shows even by leaving voicemails they dont return my calls EACH MONTH. Even their website doesnt let me see how much I owe. Their website only asks how much we want to pay. I had to call the doctors office so the secretary could contact Cooperative Solutions.  I dont want to give them more than I owe and have them not return the left over money because of their lack of communication. Obviously they take the money but dont communicate with their debtors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraudulent inquires from the credit bureaus as XXXX Bank instructed me ; the credit bureaus are not removing or blocking those credit inquiries from my credit report, credit bureaus are referring me to XXXX Bank to dispute those inquiries directly with them because XXXX Bank is alleging that the credit inquiries are valid every time I deny then with the credit bureau. Whenever I dispute fraudulent inquiries without including the valid accounts that I have with XXXX Bank and the correct inquiries related to those accounts, XXXX Bank is closing all my accounts for no reason. They claim that the credit bureaus are informing them that I am disputing all the open accounts, I requested evidence of that, but XXXX Bank refuses to send proof to me. At this point, I am informing CFPB that Equifax and other credit bureaus, and XXXX Bank are refusing to remove the following fraudulent inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX  Those inquiries have been inserted in my credit report per XXXX Bank request, I called to the Account Protection Team at ( XXXX ) XXXX, and spoke with XXXX, a supervisor of that department, and XXXX refused to help me with this dispute claiming thaXXXX XXXX  didn't have access to the applications completed in more than 30 days ; I requested to speak with the person who is verifying these inquiries with the credit bureaus, and she said that I have to contact the credit bureau to resolve this. 
Valid Accounts that I have with XXXX Bank that don't need to be disputed or closed : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing only the inquiries that I listed and nothing else, so then the accounts that I have with XXXX Bank should not be affected for retaliation.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX : XXXX TransUnion : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute for hard inquiries from XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These inquiries are not connected to open accounts. These inquiries were unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is continuing to allow THREE unauthorized hard inquires report to my credit file. XXXX  AND XXXX  HAVE BOTH REMOVED THESE HARD INQUIRIES. I WILL NOT STOP DISPUTING UNTIL THEY ARE REMOVED. THEIR RESULTS WERE : XX/XX/XXXX. After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our consumer relations center for processing. You will receive your results within sixty ( 60 ) days from the date you submitted your complaint to the CFPB. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at XXXX. Should you have any further questions, please contact www.transunion.com ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person with a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

The obvious infractions are as follows : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a credit inquiry listed on my credit report that I did not authorize. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 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 XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I received an email this evening, XX/XX/2022, that my XXXX payment was due on the XXXX. I paid XXXX payment, on XXXX XXXX through my bank 's bill pay. My account showed it was received and taken out of my checking account. I called Capital One, thinking this was some sort of confusion, spoke to a young woman, explained that the payment had been made on the XXXX of XXXX She researched, said the payment showed, it was applied to XXXX XXXX bill. Said, no, that payment was made in XXXX. To shorten, XXXX payment was received for XXXX, on XX/XX/XXXX, and applied to XXXX 's payment. As the payment I made for XXXX was received on XXXX, XXXX, and they hadn't closed the books for XXXX, it was also applied to XXXX. I now need to pay XXXX 's bill. Explained, my XXXX check comes in, I sit down same day, or next, and right off pay bills. I don't have the budget to pay the bill for the same month twice, and have never done so. Asked if they could apply, as was intended, the XX/XX/XXXX payment to XXXX XXXX lady spoke to supervisor, came back and said no. Asked to speak to supervisor. Gentleman came on, and said it was my fault and I had to pay XXXX Said if I read the statement, I would know the payment would be applied to XXXX. 
I am not asking for payment to be excused or delayed. Delaying the payment would only set me back. I made the payment, just want it applied to the correct month.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$3700.00}, {$0.00}, {$8800.00}, {$5400.00}, {$1000.00}, {$410.00}, {$9200.00}, {$2100.00}, {$5300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 


-- OPPORTUNITY ACCOUNT -- 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.
Product: Debt collection

I attempted to take a loan out for home items but the loan never went through as when I went to check out the approval status changed when I tried to checkout. 

acima repeatedly calls me and says I owe them money, the product has been delivered, and they can deduct money from my wages even though I never had this order. 

They use what looks like personal cell phone numbers in an attempt to get you to respond or answer the phone ( with fictitious names attached to the numbers ). The voicemails tell you they will come to your house to collect your money or wi continue to call if you do not pay. 

They also constantly text you ( at least 5-7 times a day ) and relentlessly send emails. No postal mail is sent.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. this practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPB ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File NO. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are accounts/collections list that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 
All of the items will show on my attached FTC report. 
Best Regards, XXXX XXXX