23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2023, XXXX XXXX XXXX XXXX XXXX requested a balance transfer be initiated from Truist cc XXXX in the amount of {$3000.00} to be paid to our account at XXXX XXXX We followed up with Truist on XX/XX/XXXX because we learned the payment to XXXX XXXXXXXX was not made and have since not been able to resolve the missing payment from Truist to XXXX XXXX. 

On XX/XX/XXXX, we were informed that the {$3000.00} payment had been paid out on XX/XX/2023. On XX/XX/XXXX, we received a letter from Truist along with the front and back of a paid {$3000.00} transaction and immediately contacted XXXX XXXX. XXXX XXXX issued a temporary credit to our account and indicated they would send us further information. 

On XX/XX/XXXX, we received a letter from XXXX XXXX requesting a copy of the front and back of the paid {$3000.00} item. On XX/XX/XXXX, we responded to XXXX XXXX by fax and email, enclosing the front and back of the {$3000.00} item. On XX/XX/XXXX, XXXX XXXX removed the temporary {$3000.00} credit and sent a letter dated XX/XX/XXXX that the {$3000.00} payment was not endorsed or cashed by XXXX XXXX. They wrote that the {$3000.00} check was endorsed by XXXX XXXX XXXX XXXX. 

On XX/XX/2023, I visited the Truist XXXX branch for assistance to locate the {$3000.00} and was directed to the XXXX XXXX XXXX XXXX. Once I visited and spoke with the XXXX XXXX XXXX XXXX, I was told XXXX XXXX can not research this matter, and that Truist is responsible to resolve this matter. I immediately returned to the Truist XXXX branch and was informed that a dispute had been filled regarding the {$3000.00} charge to cc XXXX. 

On XX/XX/XXXX, I followed up with Truist, and a fraud investigation was finally initiated ( # XXXX ). On XX/XX/XXXX, I followed up with customer service to find out the status of the fraud investigation and incredibly was informed that a fraud investigation was never filed. The Truist representative proceeded to file a fraud claim and provided the reference number XXXX. 

Here we are 5 months later, and still no resolution. I spoke with Truist yesterday, XX/XX/XXXX, and was informed I would have a response in 60 to 90 more days. 

In summary, XXXX XXXX never received our balance transfer from Truist cc XXXX ( Truist has since replaced cc w cc XXXX ). XXXX XXXX would like this matter resolved with no further delays, and our account be credited accordingly, including fees and interest.
Product: Debt collection

United collection , Bureau Inc. threaten to have me deported. They also contacted my landlord and told them I didnt pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus Experian and XXXX stated that my account with XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX has been properly investigated, but with further investigation by my part by obtaining a detailed credit report I have found inaccurate information reported. Collections inaccurate, Account type ( details ) inaccurate, Number of month ( terms ) inaccurate, High credit inaccurate, Payment status inaccurate, Last reported date inaccurate, Comments inaccurate, Date last active inaccurate, and also Last date of payment inaccurate. Also the reporting Originator Creditor name are not matching as well. In review of my consumer credit report I have noticed that there are multiple inaccuracies reported wich are violations of my rights under 15 USC 1681 SEC 602 ( a ), 15 USC 1681 SEC 604 SEC ( 2 ), 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ), 15 USC 1681 Sec ( 2 ) ( 8 ) ( e ) 15 USC 1681 ( 5 ) ( a ) 15 USC 1681 602 A, 15 USC 1681 604 A. I have never gave permission written nor verbal for any information to be provided from or by any entity for any purposes. Under 15 USC 1681n ( a ) ( 1 ). Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} shall be awarded per violation. I want {$1000.00} per violation for actual and statutory damages as well removal of account from my consumer credit report by all reporting bureaus.
Product: Debt collection

for the last 6 months I get a phone call once a day from this company XXXX XXXX XXXX. They even call me on my work phone and they ask me for XXXX. 

There is someone on my XXXX XXXX family plan that has paid off their phone debt. This is the only reason they could be calling me. As I said the debt is not mine and it has already been paid yet they continue to call me.
Product: Credit reporting or other personal consumer reports

It seems that my credit file has been compromised once again. While reviewing my records, I noticed that the same items that are not mine. As I am thorough in my research, I discovered that under section 605b of the FCRA, you are legally required to remove any items identified as fraudulent due to identity theft. The disputed items are not mine. Please remove them.XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX ; Experian and XXXX are failing to show the following accounts are in fact In Dispute. XXXX XXXX partial account number XXXX ; XXXX partial account number XXXX. XXXX and XXXX are not reporting the following account In Dispute. XXXX XXXX partial account number XXXX. XXXX is failing to report the following account In Dispute. XXXX partial account number XXXX. XXXX is failing to reporting the following account In Dispute. OTHER COLLECTOIN AGENCIES partial account number XXXX. XXXX  and Experian are failing to reporting the following account In Dispute. XXXX XXXX XXXX  partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

file with the fcra violation ftc violation reporting error defamation of character
Product: Checking or savings account

I was charged XXXX in XXXX without my authorization. I was buying a drink and it was declined, I checked my account and saw that there was a charge of XXXX to the day before. I was able to send a fraud report on the 7th but Navy Federal Deemed it as valid transaction because chip was used but I never used the card for this amount. I spoke to a supervisor and she was condescending, manipulative, she made feel like I should okay about the situation and make it seem that this is my fault, there is nothing they can do. I am a full time father and this is my mortgage money. She kept asking what I bought that night at mid night, she kept leading me to a conclusion and everything I said she used it to make it seem like its my fault or that is the reason of the fraud. They deemed it as a valid fraud due to can not determine the merchant and determine if its fraud or not.
Product: Student loan

Subject : Request for Resolution of Public Student Loan Forgiveness Employment Verification and Payment Count Update Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the lack of response and resolution from Federal Student Aid concerning my Public Student Loan Forgiveness ( PSLF ) Employment Verification submissions. 

I have submitted multiple Employment Verification forms, including one dated XX/XX/, to update my qualifying payment count. Despite these efforts, I have not received any correspondence or confirmation. As of now, I have over 120 qualifying payments and need these counts updated to proceed with a buyback of months placed into forbearance by a Texas judge. This situation occurred while I was, and continue to be, enrolled in the Saving on a Valuable Education ( SAVE ) Plan. 

On XX/XX/, I submitted another Employment Verification Form via both file upload on their website and fax, as advised by their representatives. Despite following their instructions, I have not received any updates. Additionally, I submitted formal complaints through their website twice, as directed by their staff, but no progress has been made. 

This lack of communication and action has left me unable to move forward with resolving my loan situation. I am seeking your assistance to ensure my Employment Verification is processed, my payment count is updated, and I can proceed with the buyback process. 

Thank you for your attention to this matter. I look forward to a resolution soon. 

Sincerely, XXXX XXXX XXXX
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 reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts 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 align with my experience, where Experian has neither corrected nor removed
Product: Debt collection

I am a XXXX, XXXX  XXXX Veteran with very limited income, trying my best to get my life back in order. Please help! 
I was XXXX  in the Missouri department of XXXX continuously from XX/XX/XXXX through XX/XX/XXXX as evidenced by my enclosed letter of XXXX. While XXXX  my identity was stolen by person or people unknown to me. Between the dates of XX/XX/XXXX and XX/XX/XXXX whoever stole my identity incurred {$8300.00} in debt using my XXXX XXXX XXXX XXXX XXXX XXXX credit card ( see included account statements ). These purchases were purely fraudulent, and I had absolutely no knowledge of them. After I was released from prison in late XXXX, I learned of this debt because of pulling my credit report. I began to receive monthly statements from the XXXX XXXX XXXX XXXX XXXX XXXX and I've included a copy of the last one in XX/XX/XXXX, which states that with their added interest the balance is {$10000.00}. I also receive account statements from a company called TRANSWORLD SYSTEMS INC. ( TSI ) who now apparently ( also ) carry the debt. The last statement I could find from them is from XX/XX/XXXX, and it states that my current balance is {$12000.00} as of that date. I contacted Both of these companies and informed them that the debt was incurred fraudulently and that my identity had been stolen while I was incarcerated. They sent me a list of required documents that I was to put together to dispute the fraudulent debt, including an affidavit of forgery ( included in attachments ) from the local police. After getting everything together I returned my fraud pack to TSI via certified Express mail ( see the enclosed, signed receipt ). They signed for it on XX/XX/XXXX. On XX/XX/XXXX I received a voicemail from a person named XXXX or XXXX, in which she said she was calling for XXXX XXXX ( my name is XXXX XXXX ) and that she was the investigator for my claim. I called her back at XXXX XXXX  the same day and we spoke for four minutes and ten seconds. In our brief conversation, the only thing that she asked me is if I was married when I went to prison ( I was, but filed for divorce, which was finalized XX/XX/XXXX ). She then said that if she had any other questions she would let me know. In approximately a week, I received a 1-page summary of their " investigation. '' They had " determined '' the debt was valid and would continue to grow with interest. To make matters worse they are started taking my tax returns each year and a garnishment from my XXXX XXXX pay because the credit card ( which I got as a young XXXX in XX/XX/XXXX ) can apparently be collected as a federal debt would, through garnishment.
Product: Debt collection

Subject : Complaint Against LVNV FUNDING LLC for Violation of Consumer Rights and Incorrect Account Status Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV FUNDING LLC regarding their practices which I believe are in violation of my consumer rights. Specifically, I am addressing the handling of account # XXXX, which I contend is a certificate of indebtedness and must be rectified immediately. 

On [ Insert Date ], I noticed that LVNV FUNDING LLC has reported the aforementioned account on my credit report, indicating that it is not in accordance with my understanding of the terms of our agreement. The account in question has been inaccurately categorized, leading to significant negative impacts on my creditworthiness and financial standing. 

I assert that the account # XXXX is indeed a certificate of indebtedness, and it should be treated as such. I demand that LVNV FUNDING LLC promptly rectify this misrepresentation and update the account status to " PAID AS AGREED, '' as it accurately reflects the terms of our agreement. 

Furthermore, I am deeply concerned about the potential violation of my consumer rights in this matter. It is my understanding that as a consumer, I am entitled to accurate and fair reporting of my financial obligations. However, the actions of LVNV FUNDING LLC have resulted in a misrepresentation of my financial situation, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to ensure that LVNV FUNDING LLC complies with all relevant consumer protection laws and regulations. I request that the Bureau intervene to rectify the inaccuracies on my credit report and hold LVNV FUNDING LLC accountable for any violations of my consumer rights. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

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

I am a victim of identity theft pleas XXXX remove this fraud inquiry from my credit report.
Product: Credit card

XX/XX/XXXX, I applied for a secured card from Wells Fargo, and was approved. The secured card fee is {$18.00} per year. I was told numerous times that as long as I paid on time, and had my account in good standing, that my account would be reviewed every six months ( XXXX and XXXX ), and that I would be eligible for my secured card to " graduate '' to an unsecured card within a year as long as I maintained positive history with the bank. 

It is now almost XX/XX/XXXX, and while my credit score has improved drastically, and I 've been given XXXX additional credit cards - XXXX from XXXX XXXX, another from Wells Fargo ( which is unsecured ), Wells Fargo refuses to graduate my card to unsecured status. Additionally, Wells Fargo has, several times, increased the limits on both the secured and unsecured card, yet, they will not graduate my card, instead keeping my deposit, and charging me a yearly fee to remain a cardmember. This is fraud on their end, as I would have never signed up for the card if I had no possibility of being graduated within a reasonable period of time. Each year I 've had to pay an {$18.00} fee - for the first year ( XX/XX/XXXX ) this was acceptable, but for subsequent years ( especially after Wells Fargo had deemed me creditworthy enough to issue a *completely new, unsecured card* ), I should not have been billed {$18.00} and my card should have graduated. I 've now spent {$72.00} in fees ( {$18.00} x XXXX ) on a card that, I was told when I applied, would be graduated within 6 month - 1 year as long as I remained in good standing and paid on time each month.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX continue to allow XXXX XXXX Receivables to report medical debt to my credit profile illegally. I requested proof of consent, as required by XXXX XXXX, that I authorized XXXX Area Receivables to access as well as disclose my medical information to any third parties. It has been over 30 days since I requested this information. Under the FCRA the furnisher has 30 days to provide proof or delete these accounts immediately. 

I filed an FTC report for this fraudulent account, in which under 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. It has been well past 4 days and this account is still reporting illegally.

Furthermore, former president Biden and VP Kamala issued a rule to the CFPB stating that medical debt can no longer report on Americans Credit Report. XXXX XXXX XXXX is still reporting illegally to my credit profile. 

Equifax and XXXX responded to my disputes requesting that I provide proof of my identity, which Is merely a stall tactic to an otherwise simple deletion solution. I have attached my SS card as well as my drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Public Records area of my credit reports, I see a Bankruptcy that was last reported on XX/XX/13 to XXXX XXXX. The account now shows closed and with a XXXX dollar balance and as a Chapter XXXX discharge from Equifax with the same XXXX dollar amount balance. I made the mistakes, I paid my dues and I suffered the embarrassment ; I think its only fair to allow me to go on with my financial life with what I have learned only to grow from it. The account was closed, dismissed, and discharged, long enough ago for me to now have a piece of mind. Recently, I tried to make a large purchase for my family and the only thing that hendered the purchase was a Bankruptcy that was unfairly remaining on my credit from years ago that is now PAID IN FULL! The statue of limitations for this detrimental information would be up even if the account were open or still valid. Its time to remove the account and stop the deformation of my financial charter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute online to Equifax to update my address on my credit report. Equifax does not allow an option for individuals to update their address on their own, the only option they provide is to dispute information. I was able to log into Equifax to submit the dispute and upload a current utility bill showing my current address but was denied access ( locked out of my account ) when I tried to review the results of the dispute. I have contacted Equifax XXXX times, each time the hold time exceeds XXXX hour. I had to enter by social security number and phone number into their automated system just to be connected to a live person. Once a person comes on the line to speak to you, the language barriers interfere with the person 's ability to help me access my account. I was asked to upload a picture of my driver 's license through a link sent to my cellphone. This is an unsafe practice and makes it easy for people to commit fraud. The laws of all states also prohibit how non-government agencies obtain and use driver 's license from individuals. For this reason, I will not be providing them an electronic picture or copy of my driver 's license. Under the Fair Credit Reporting Act Equifax is required to allow me to access my credit report and information contained in their system about me. By denying me access to my own information they are in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the mishandling of my repeated attempts to follow up on the removal of fraudulent items from my credit report. 

Despite submitting multiple disputes and diligently providing supporting evidence, the fraudulent accounts persist on my credit report, and my previous follow-up attempts have not yielded any resolution. 

The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has negatively impacted my credit score and has hindered my ability to access credit and financial services.

I demand that your agency immediately conducts a comprehensive review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request that you provide me with written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX.
Product: Credit reporting or other personal consumer reports

I got a hard inquiry stating that a credit card and an account for XXXX  XXXX was opened in my name. I spent a few hours with customer support to gain access to this account. When I logged in, I saw which phone numbers were used to create the account with my information. The numbers are : ( XXXX ) XXXX and ( XXXX ) XXXX I already did a reverse lookup to see who this is and have no idea who the person is. Also what is strange is that they had the credit card ship out to my real address rather than their address. This is a very strange situation that I have never been in before but now I know that someone has my personal information including my social security number. I would have never noticed this even happened because on the account they used one of my old emails, my information and my address. The only thing they put of their own was their phone numbers. I dont use that email much anymore so I didnt see the email of them creating the account. The only reason I noticed is because XXXX, XXXX and equifax notified me of a hard inquiry on my account so I looked into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX Original creditoXXXX XXXX OpenedXX/XX/XXXX, XXXX ( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX  Latest fraudulent account posted on my credit file.
Product: Credit card or prepaid card

Got a letter from American Express dated XX/XX/2022, reference number : XXXX Stated they need more information for a XXXX Card that I did not apply for. I called American Express to discuss the fraudulent application and they stated the fraud department was currently closed.