23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I recently applied for public service loan forgiveness and was approved and place with FedLoans as my student loan servicer. I completed all of their online documentation and opted to complete online payments. Additionally, prior to being placed with this scam company, I completed the federal application to renew my income-driven payment application which was approved and accepted by XXXX XXXX student loan servicer. 

First, FedLoan claims my bank ( XXXX ) rejected my online payment because they couldn't find my account. In doing my research this is a common complaint people have about this company. I logged into my account to review what I had entered and all the information was correct. I contacted FedLoans and was given the same song and dance, I explained the I pay Navient Loan servicer every month using the same account information. In speaking to my bank, no payment from FedLoans was ever sent to XXXX with an account similar to my account or my account number. 

Then, I received a message that I had failed to complete the Federal Student Loan Income-Driven Recertification application so, now I owe {$2500.00}. When I called I explained I completed the recertification process on XX/XX/2019, and I was told that the application was insufficient and I had to complete it again. In the meantime, I receive correspondence from XXXX stating my income-driven recertification application was denied because it was not time to recertify my application. 

It is plain to see that this is a scam of a company and they are being allowed to force consumers to pay outrageous amounts through unscrupulous business practices that border on the line of illegal and are most certainly unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Apparently there was a credit card from amazon opened in my name under an amazon account that I do not own. The card was being used and payments were being taken out of my account. Amazon would not give me access to the account that was closed and I could not log in to dispute with the bank because I did not have the card info. I have tried numerous times to contact the bank as well as amazon with no luck.
Product: Credit reporting

I have requested my Chex System report twice, once several months ago. They are yet to send it to me. I was recently denied an account my XXXX XXXX XXXX based on information they provided.
Product: Debt collection

I received a response from LVNV fundinXXXX, I never got a response from this collection agency until, I contacted CFPB. I 've asked for a resolution and as the company has only provided a bill, but not a copy off the contract according to the FCRA they have n't submitted anything validating the debt to LVNV. I 've asked for this verification and still to no avail has this happened. According also to the FCRA, a copy of the bill is n't validating a debt. A letter was submitted also to settle for a collection amount to XXXX XXXX. 
I 'm asking for your assistance in this matter, please assist with having LVNV provide complete verification as requested according to my rights under the FCRA. I would greatly appreciate it.
I this ca n't be done I am asking that this be removed from all 3 credit bureaus until this debt can be validated and settled. In the letter submitted it stated that we are not admitting that this debt is owed. Please ask for a copy of the letter submitted to them as well.
Product: Vehicle loan or lease

Closed RV loan with new buyer from out of state XX/XX/XXXX. Oregon Title was to be sent to me, sign title, and forward on to new owner in XXXX WA. I called US Bank ~12 days ago ( XX/XX/XXXX ) asking why I had not received title. Customer support person " XXXX '' took my call. He indicated title had never been sent and it would be sent ASAP. I asked for email or phone verification when title is sent. He indicated yes he would do that. I recalled yesterday ( XX/XX/XXXX ) asking AGAIN where title was and why I had not received it. Customer agent " XXXX '' took my call. After lengthy wait on phone, she indicated release of lien could be faxed or snail mailed to me. I asked where is the title? She indicated they did not have DIRECT contact with US Banks title division. I asked to speak to manager. They assigned " XXXX XXXX '' to my case. I asked him if he could call the Title division. He said No they can not call them directly. He indicated he would EMAIL them and ask why I have not received title and if it could be expedited. If it has been lost, he indicated release of lien could be sent to me. I asked if it could be done overnight and he said NO. I has since called XXXX XXXX today XXXX XX/XX/XXXX XXXX and left vm for him. I have now waited more than two months for the title for this rv. The new owner has contacted me asking where the title is and why he has not received the signed over copy from me. I do not have an answer for him. He is unable to register the vehicle in WA without title or release of lien.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I pay {$95.00} annual fee on the Visa XXXX XXXX credit card. But, when I try to use the card for booking travel on an airline website ( XXXX ) the transaction gets declined. If I use Visa card from another institution the purchase goes thru fine. When I called the US bank, I was told they don't have a record of the transaction so they can't help me. After I told them the transaction is getting declined in the Verification by Visa service, they offered to connect me to Visa, instead of solving the issue as I am their customer ( not Visa 's ). I was supposed to earn 4 % cashback on {$5000.00} international airline tickets and I did not because US bank set-up declined the transaction. Charging customers a high annual fee and then not ensuring the transaction is processed when it should, is NOT fair.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inaccurate credit inquiry from my credit report. Specifically, I am referring to the inquiry dated XX/XX/2024, which appears to be listed under my credit report. 

Upon reviewing my credit report, I noticed that this inquiry was made without my authorization. I did not apply for any credit or authorize any transaction with Capital One on the specified date. As such, I believe this inquiry is incorrect and may have been made in error. 

For your reference, here are the details of the inaccurate inquiry : Date of Inquiry : XX/XX/2024 Inquiry Reported By : Capital One I kindly request that you investigate this matter and remove the inquiry from my credit report as soon as possible. I have enclosed a copy of my credit report highlighting the incorrect inquiry for your reference. 

Please confirm the receipt of this request and inform me of the steps being taken to correct this issue. If additional information is needed from my end, please let me know.
Product: Credit card or prepaid card

On my credit card I have 1 late payment in 3 year in 6 months. That's late payments was made on time but was not received by capital one for unknown reasons
Product: Credit reporting, credit repair services, or other personal consumer reports

On exactly XX/XX/2018, I sent a letter to each company listed on XXXX, EQUIFAX and XXXX  regarding inquiries on my credit profiles that were not authorized. I never received a response back neither were the inquires removed from my credit profile. 

On exactly XX/XX/2018, I sent a letter to XXXX  XXXX and Equifax requesting assistance in removing the inquiries not authorized by me, informing all three bureaus that I contacted each of the creditors by phone as well as by mail. No response has ever been received by XXXX  or XXXX regarding. 

Equifax responded back informing me that the inquiries were valid and will remain and although a proven signature document with my information and signature were requested, Equifax failed to provide this information to me.
Product: Credit reporting

I called Equifax and they stated NO fraud alert is listed on my credit file which should not be as I never requested one be added. Again the car company pulled my credit and yes it is on there. I need help. Equifax does have the alert on my credit file
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the delayed correction and the need for a second attempt to rectify the late open accounts on my credit report. Despite my initial dispute and submission of supporting documentation, I have observed that the late open account entries are still present, adversely impacting my credit profile. 

I initially disputed these entries and provided detailed documentation supporting my claim that these entries are inaccurate. However, upon reviewing my updated credit report, I was disappointed to find that the corrections have not been made, causing ongoing harm to my credit score and financial standing. 

I have attached copies of my previous dispute letter, the supporting documentation submitted, and the most recent credit report highlighting the unresolved issues. 

I urgently request that you expedite the reevaluation of this matter, conduct a swift and thorough investigation, and promptly correct the late open account entries on my credit report. The prolonged presence of these inaccuracies is causing undue stress and negatively impacting my ability to secure credit and financial opportunities. 

If additional information is required for a comprehensive investigation. I expect a timely and fair resolution to this matter, in accordance with the Fair Credit Reporting Act. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$73000.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> CREDIT MANAGEMENT LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Dear [ XXXX XXXX XXXX ], I am writing to dispute the debt you claim I owe in the amount of [ {$280.00}. I believe your actions regarding this account violate several consumer protection laws. 
Specifically, you have failed to provide me with validation of the debt as required by 12 CFR 1006.34B5. Additionally, you reported this debt to a credit reporting agency without affording me the opportunity to dispute it, in violation of 12 CFR 1006.34C4. Your actions constitute misleading, misrepresentative, and deceptive practices, which violates 12 CFR 1634D and 15 USC 1681S27 ( A ). 
I am requesting the following : Immediate validatio of the debt, including a copy of the original creditor 's purchase agreement. 
Removal of this account from my credit report until this dispute is resolved. 
A cessation of all communication with me except via email, text, or phone call. 
I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these violations. 
I expect a prompt and comprehensive response to this dispute. 
Sincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, La. XXXX [ XX/XX/year> ] Dear [ Credit Management ], I am writing to request proof of your licensing and bonding as a debt collector. This information is necessar to verify your authority to collect the debt you claim I owe in the amount of [ {$280.00} ]. 
Please provide copies of your license and bonding certificate. Louisiana XXXX XXXX. XXXX and all its sub chapters Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Could you confirm if FCRA 605B necessitates the exclusion of any erroneous accounts from my credit report? I'd appreciate it if you could review the documents, as some of the listed accounts are inaccurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX but closed the account and XXXX XXXX sent information to a collection company for un-returned equipment that was later determined to have been returned. When I contacted XXXX XXXX they informed me that they would have the information retracted from the collection company which is named XXXX XXXX XXXX.but the company never made the adjustment. 

In addition, the amount that is listed as owed is XXXX and is NOT an amount that XXXX XXXX listed as being owed. 

XXXX XXXX sent me an email stating that I have a credit of XXXX and one for XXXX. There is no balance on the account with XXXX XXXX and the collection company refuses to make the corrections on either of the 3 credit reporting agencies. 

Please help me to correct this issue and have it removed from all 3 CRAs I am attaching a copy of the correspondence from XXXX XXXX with the above stated information listed.
Product: Debt collection

We ordered XXXX XXXX online when were moving into our new home. After finding out that we could keep XXXX internet at the new address, I tried to cancel XXXX internet online, but was unable to because of long wait times. 
We received the comcast ( XXXX  ) installation kit at out new address and sent it back to XXXX unopened and unused. No internet service was started with XXXX ( XXXX  ) Here is a confirmation email from XXXX : Your equipment return details. My Account XXXX  We received your equipment Thanks! Your equipment return is complete. Your account has been updated to show that we received the following equipment : Model # Serial # XXXX XXXX We value your input. Please click here if you'd like to share feedback about your experience. 

I have confirmed with XXXX or XXXX XXXX representatives and confirmed with them that we never started this service with them. 
I was continuously harassed by XXXX with countless phone calls and emails, even after they knew that I did not start the service and they received the equipment back that was never used or opened. 
Now there have been at least XXXX different collection agencies trying to collect a debt I did not incur. 
I believe XXXX actions on this are fraudulent, dishonest, and outright harassment. 
Thank You XXXX XXXX
Product: Payday loan, title loan, or personal loan

I enrolled in a weight loss program in XX/XX/2020 that was supposed to cost around {$2600.00}. The group had me signed up to make installment payments through Denefits, but the cost is not coming down. I have already spent {$3400.00} ; the payoff amount is over {$2600.00} ; it was explained that my payments would go toward the balance ; it does not appear that that is happening. The products never worked after 30 days of use. I called several times to explain the diet wasn't working. In XX/XX/2020, I was told to eat a bag of green apples to help jumpstart weight loss, but nothing happened, which by all accounts, was a ridiculous recommendation. I have decided not to pay this company any more money primarily because of what I spent so far. I am getting at least 20-30 harassing phone calls a day about payments. I have paid for this program even though it did not work.
Product: Credit reporting or other personal consumer reports

This CFBP complaint has been filled to request pursuant to FCRA & 605b ( 15 U.S.C & 1681 c-2 ) that you, the Transunion credit reporting agency block information appearing on my consumer credit report that is the result of indetity theft and fraud with in 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan open with roadrunner financial in XXXX XXXX XXXX This account has resulted in fraudulent collection appearing on my consumer fico credit report I due not recognized the afforemention accounts, collection as reported. The aforementioned accounts, collection appearing in my credit report were not open by me, this account is a result of identity theft and fraud I have attached a copy of the FTC identity theft criminal complaint # XXXX as proof from the US FEDERAL TRADE COMMISION that all of the aforementioned consumer credit accounts, collections are the result of indentity and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX company is currently reporting a negative listing to the XXXX major credit bureaus ( XXXX, Trans Union, and XXXX ) regardingt Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello, My name is  XXXX  & I have been asked by  XXXX   XXXX  to help him file this report against  Wells Fargo.    He had Personal Checking & Savings, Business Checking, Merchant,  Visa Credit Card & even Mortgage account with Wells Fargo fo r many years.     However, in the years roughly of   XXXX   till he closed his banking account w ith Wells Fargo.. He was Charge for transactions he did not make not to add, there  was dupplicate car d ( s ) us ed in another state.     I am trying to help him sort out statements he has.   Its a bit hard because all he can tell me with certainty is that after going to the branch numerous times and being told it was a computer mistake that it would adjust, it turned into, just ignore it and  XXXX  had very good credit and he could not ignore it and he paid these charges.     Since he was given a new card from time to time because he would go to the branch often & they kept the fraudulant card its hard for me like i was saying to figure out which account numbers of so many that he has many statements to.     He paid charges he did not make.   He was changed account number and made duplicate cards without his consent.   He was a victim of fraud and some time before closing out his accounts he was told in a branch near his business that he could sue within  6years.
Product: Debt collection

I received a notification from XXXX  that I had a new collection on my credit file. I reviewed the credit file alert, and verified that Sequiun put a collection on my account from XXXX XXXX on XX/XX/2020 for XXXX. I have never had a bill from XXXX XXXX that was not paid, I've never been notified by XXXX about an outstanding bill, nor have I been notified by Sequiun about a collection or a past due bill. I only discovered this by the credit file alert. I do not owe this, I've no idea where this comes from. I've reported this as fraud to all three credit reporting agencies. I reviewed the website for this company after multiple times of trying to reach them. All XXXX 's at their company are full, there are never any people answering calls. There are many reports on their website of fraud occurring with other people, as well as on XXXX search. I've also reported them to XXXX. 

Sequium Asset Solutions XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also 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 a account without my written instructions THESE ACCOUNTS ARE INCORRECT LISTED BELOW : XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Through the mortgage refinance application process, our social security numbers were transferred via unprotected email without our authorization or knowledge by an employee of Guaranteed Rate Inc constituting a violation of the Gramm-Leach-Bliley Act, Safeguard Rule requiring financial institutions under FTC jurisdiction to have measures in place to keep customer information secure.
Product: Debt collection

This debt was placed for collection, repackaged and sold to : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX The original debt is over 9 years old, and the new Debt collection company submitted in error that it was placed for collection on XXXX. They sold it to another debt collection company and I have a current XXXX account in good standing, but the new collection agency reported the date wrong so they can attempt to collect this old debt longer. I would like this removed from my credit report as they continue to harass me daily. Thank you Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$760.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$760.00} Original Creditor : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX  XXXX XXXX XXXX XXXX