23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This loan was taken out in XXXX for roughly 10093 dollars, which is currently at 28000 dollars roughly. At no time did the school tell me this was a private loan when we was going through the process. I was told this was standard. First time ever taking out a loan. Did not know until XXXX that this was a private loan when the information started coming in the mail. Tried to fight this by calling Navient with no help. It was either pay or this will go on your credit, which it did. I was finally able to get someone to seen me documentation in XXXX about this promissory not. No where on the application says anything about this being a private loan. On a separate piece of paper, without my signature, saying this is a private loan. The only signature on the document is from a person at the school. I was completely mislead by XXXX XXXX and been trying to get this fix with Navient for 9 years now. Finally gotten some where by getting this website to fill this paperwork out.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 5 late payments on an account that I was on fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this compliant on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on the immediately. Thank you for your understanding and prompt action.
Product: Payday loan, title loan, or personal loan

The account below is not my account, this account is a case of Identity theft from several years ago. 

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

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not reported ; This account is also showing OPEN ACCOUNT when this account is in collections. 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Please apply these laws to account : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

ALL information reported to credit bureaus MUST be accurate.

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 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 or 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.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally ; Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b - Acquisition of location information does not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. 

The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) 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 States A consumer reporting agency can not furnish an account without written instructions. 

In addition, the following collection agency has committed violations by the Alabama FDCPA Law. Alabama requires all debt collectors to be licensed in ALABAMA in order to collect a debt. The collection agency listed below DOES NOT have a license to collect debt in ALABAMA. 


XXXX XXXX XXXX Also, the Credit Bureaus took more than 30 Days to complete my investigation ALL dispute letters were sent by Certified Mail. Letters sent on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Hello, I previously submitted a CFPB complaint regarding how I can not see my new card ending in XXXX on the TD card services login. Instead, I only see my old card that was closed due to inactivity ( ending in XXXX ). I received a response advising that my account has been corrected. However, the correction was made only to my regular TD bank login, not my TD card services login. When I log into TD card services, I am still presented with my old closed card XXXX. My username for the TD card services website is the same as my username for the regular TD bank login XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurate accounts on my credit report. I then proceeded to reach out to the credit reporting agencies to seek remedy of the situation but would not help me correct these fraudulent an inaccurate accounts. 
1.XXXX account # XXXX date open : XX/XX/XXXX balance : {$440.00} 2. XXXX XXXX account # XXXX date open : XX/XX/XXXX balance : {$320.00} 3.XXXXXXXX XXXX ( original creditor:XXXX XXXX account # XXXX date open : XX/XX/XXXX 4. XXXX XXXX ( original creditor:XXXX XXXX ) account XXXX XXXX date opened : XX/XX/XXXX balance : {$100.00} 5. XXXX XXXX  ( original creditor : XXXX  ) account # XXXX date opened:XXXX balanced : {$380.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Upon checking my credit on XX/XX/XXXX, I noticed there were some hard inquiries that were listed that do not have permissible purpose. According to The Fair Credit Reporting Act Article 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a debt collection notice that is not mine since I have never had a XXXX XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loans transfer to another company ED Financial Services. They kept old info on my report. I called them in XX/XX/2022 to rectify. Nothing was done. I did not have late payments to this loan. Only because of covid 19 and transfer of this account did these payments stop. account # XXXX amounts {$1800.00} and {$1000.00} In accordance with the fair credit Reporting act convergent account # XXXX, has violated my rights. 15 USC 1681 Section 2 : States I have the right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15USC 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.
Product: Money transfer, virtual currency, or money service

I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a comprehensive reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Product: Checking or savings account

This is in response to the initial complaint that was improperly closed. 


This is not accurate. Ive never indicated that Ive never done business with XXXX XXXX and if thats a question please pull the actually call. Its clear that I have in the past based on my bank statements. Initially I did think that those transactions were unauthorized because the name on XXXX XXXX was not recognized. After I investigated them, I realized that some the charges were valid, just not the duplicates so I called and indicated such. As I stated several times, Im unable to login to XXXX XXXX as my account was closed. Again if there is a question there pull the call logs and things will become clear. If you were doing your job and disputed the charges requested, you would quickly see that the charges are actually in fact duplicates! Providing my XXXX XXXX statement should not be relevant as duplicate charges were not authorize and neither were any of those XXXX XXXX charges that I asked you to dispute as those were completely unauthorized. Again, Im asking you dispute the charges. Why dont you do that and see what happens instead of asking me to provide Info that I unable to. I mean seriously If Im saying XXXX XXXX wasnt authorized then whar on earth can I provide for you to prove that? The burden of proof should not be mine it should be the unauthorized charges. Thats the {$2500.00} that you reference. XXXX did mention that she needed cash app history but i mentioned that I dont have access to that. Why cant you just do what a bank is supposed to do and not question my intentions and integrity a consumer?!? Ive been with BBT for a number of years and applauded with the abysmal service that Ive received by the institution.

To be frank, I am in process of switching all of my banking products from BB & T as the level of service is getting progressively worse. Why is this request such a problem? At this point I'm considering litigation regarding this matter because this is unacceptable that you wont even investigate. This is ridiculous when all you have to do is initiate the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters on XXXX XXXX, 2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
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 XXXX 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 {$1000.00} 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. Please see attached file for these items I am complaining. 
"
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and noticed that I have some Inquiries on my report that I did not authorize. I filed a FTC report and will include it in my dispute. I also contacted all 3 Bureau 's about this problem as well.

The Inquiries that I am requesting to be deleted are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have repeatedly told this company that XXXX XXXX does not have this phone number. I have been told my number has been removed but have not. People calling are very rude when told this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern : I am writing to dispute and update incorrect personal information on file with your company. 
Please update my records with the following : - Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Correct Name : XXXX XXXX XXXX - Correct Social Security Number : Last XXXX ( XXXX ) - Correct Date of Birth : XX/XX/XXXX - Correct Employer : XXXX I request the removal of any inaccurate or outdated information, including incorrect addresses or contact details, as they are not deliverable by the U.S. Postal Service and are not reportable per the FCRA. 

Enclosed are copies of supporting documents to verify my identity and provide proof of residence : - Driver 's License - Proof of Residence Please correct these errors and provide an updated copy of my credit report reflecting these changes. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX Enclosures : - Driver 's License - Proof of Residence
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 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, credit repair services, or other personal consumer reports

Trans Union did not verify the XXXX XXXX account # XXXX on my credit report, after I sent them four certified letters.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Demand for Immediate Removal of Inaccurate Medical Debt Reporting Dear Sir or Madam, This letter serves as a formal demand to investigate and rectify the inaccurate reporting of a medical debt that has been erroneously reporting to my credit report. The debt in question is detailed as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Balance : {$550.00} Date Open : XX/XX/year> Account Number : XXXX I unequivocally assert that I have no financial obligation to XXXX XXXXXXXX XXXX XXXX. This alleged debt is not only baseless but constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to credit reporting agencies must be accurate, verifiable, and substantiated.

The continued presence of this inaccurate information on my credit report is materially harmful and unjustly impacts my financial standing. Pursuant to my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I demand the following : Immediate Removal : The removal of this erroneous account from my credit file across all credit reporting agencies.

Verification Documentation : Proof that substantiates the validity of the alleged debt, including any contracts or agreements bearing my signature.

Written Confirmation : A formal acknowledgment of the resolution of this matter, including confirmation of the removal of the disputed account from my credit report.

This matter must be resolved within the legally mandated 30-day period from the receipt of this correspondence. Failure to comply will leave me no choice but to pursue all available remedies, including but not limited to, filing a formal complaint with the Federal Trade Commission and initiating legal proceedings to enforce my rights under the law.

Please be advised that I expect prompt attention to this matter to avoid further escalation. 

Yours sincerely, XXXX XXXX, XXXX
Product: Mortgage

I entered a payment plan in or around XX/XX/2020 at which time Wells Fargo advised me that entering the plan would be like bringing the loan current and they would stop reporting the loan as late on my credit report. While in the repayment plan covid happened and I then entered a forebearance. It's now time to exit the forebearance and Wells Fargo is taking away the best option for me which would be to have the missed payments placed on the back of the loan because they're saying I wasn't current at the time I entered the forebearance. I've tried explaining 2 things to Wells Fargo : 1. I was told the loan would be treated as current when I entered the forebearance and now to benefit them that doesn't apply anymore 2. It was never explained to me when I entered the forebearance that it would be more beneficial to me to complete the repayment plan before entering the forebearance. The servicer is acting in bad faith and using a questionable practice because they seem to have omitted information that would have allowed me to be in a better position to keep the home out of foreclosure.
Not a single person took 5 seconds to make me aware that if possible I should complete the 2 other payments that were left on my payment plan before entering the forebearance.
Product: Credit reporting or other personal consumer reports

** [ XXXX XXXX XXXX ] ** [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Formal Verification of Trade Line - XXXX XXXX Dear TransUnion Consumer Solutions , I am writing to formally request a comprehensive verification of the trade line associated with XXXX XXXX that appears on my credit report. Due to concerns over potential inaccuracies and fraudulent associations, it is essential to verify this information. 

**Details of Disputed Trade Line : ** - Creditor : XXXX XXXX **Requested Documentation : ** 1. **Furnishment of Contractual Agreement : ** - Please provide any and all contract documents that include my wet signature which legally establish a relationship and/or loan/debt with XXXX XXXX. 

2. **Record of Communication : ** - Supply copies of any notifications or correspondence exchanged between myself and XXXX XXXX regarding this account.

3. **Verification of Address : ** - I request verification and documentation of any address associated with this account. It is crucial to investigate an address that seems to have been fraudulently linked to my name. Please provide evidence of this association and any updates submitted. 

**Statement of Dispute : ** I believe the above-mentioned trade line contains inaccuracies or fraudulent elements for the reasons outlined. According to the Fair Credit Reporting Act ( FCRA ), if you can not furnish the necessary documentation to prove actual ownership and validity of this trade line, I expect its immediate removal from my credit report. The law clearly stipulates that unverifiable information must be deleted promptly to ensure the accuracy and integrity of my credit file. 

As per the FCRA, I anticipate a written response with the requested documentation, or confirmation that the disputed information has been corrected or removed, within 30 days of receipt of this letter. 

Please send all correspondence and documentation concerning this matter to the address provided above. 

I appreciate your immediate attention to this request and look forward to a swift resolution. 

Sincerely, [ XXXX XXXX XXXX ] ---