23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I co-signed a student loan for my then daughter-in-law for approximately {$13000.00}. I was assured that if the loan was in good standings after 5 years I would automatically be dropped as the co-signer. The loan has been in good standing up until early last year ( XXXX ). The balance is now greater than {$16000.00}. I believe the loan has changed hands multiple times, so when I got notice of a default I was surprised. I wrote their collection agency a letter giving my response as to why I didn't think this was my responsibility anymore and they responded that given the information I provided they were referring the matter back to the current loan holder, Firstmark Services. I have moved since this loan was originated and no longer have the documentations as to my loan agreement and responsibility. I am almost XXXX and XXXX. There must be some statute of limitations or something that provides me with some form of relief or assistance. My former daughter-in-law has made new arrangement on the loan, but they should be between her and them. XXXX years is unconscionable and the fact that after years of paying on this loan the amount is now greater than the original loan. The account number for this loan is XXXX
Product: Debt collection

I settled with a debt collector regarding a medical debt totaling {$1800.00}. We agreed I would pay {$1200.00} which I did on XX/XX/2020. The debt collector was Central Portfolio Control and the gentleman offering the settlement was named XXXX XXXX, phone number XXXX. 
I recently rec 'd a letter from a different debt collector, XXXX XXXX XXXX, stating I owe the difference of {$540.00}. I do not. I've attempted to contact XXXX by phone and no one answers, I tried chat.. no one answers. I've called the original creditor XXXX XXXX XXXX XXXX, who can see that a debt settlement was reached in 2020, but would not help any further with the debt collector.
Product: Credit reporting or other personal consumer reports

I am disputing multiple inaccuracies and violations of my federally protected consumer rights under 15 U.S.C. 1681. The following accounts have violated my rights to privacy and confidentiality and must be deleted from my credit report : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Additionally, I am addressing specific discrepancies on my credit report that align with billing errors as defined under 15 U.S. Code 1666 ( b ). These include : Failure by the creditors to accurately reflect payments I made or properly credit my accounts. 
Computational or accounting errors made by the creditors. 
Furthermore, the creditors failed to provide me with billing statements at least 21 days prior to the payment due dates, invalidating any claims of late payment under the law. I request concrete evidence from the creditors ' bank records to verify their claims of non-payment. The designation of " late payment '' appears to be the result of invoicing errors. 

Experian has also failed to properly investigate disputes, remove inaccuracies, and prevent the reinsertion of errors, violating 15 U.S.C. 1681i. These actions further breach my rights under 15 U.S.C. 1681n and 1681o, concerning willful and negligent noncompliance with consumer reporting obligations. 

I respectfully request that : The late payments for the following accounts be updated to " paid as agreed '' : XXXX XXXX Account # XXXX XXXX XXXX  Revolving Account # XXXX The following accounts be deleted from my credit report : XXXX  XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Revolving Account # XXXX I urge you to take immediate action to correct these inaccuracies and ensure compliance with federal law.
Product: Checking or savings account

On XX/XX/XXXX my personal checking account XXXX ; Saving Accounts : XXXX ( closed XX/XX/XXXX ), XXXX, XXXX, XXXX ( last three closed XX/XX/XXXX ) at Navy Federal Credit Union was unilaterally terminated without any prior notice or explanation. Despite many attempts to obtain clarification from the credit union, I have not received any acceptable response. This has caused significant distress and uncertainty regarding my financial standing at Navy Federal Credit Union. I attempted to transfer funds from another account and was obstructed. This obstruction seems to be preventing clients from conducting transactions other than those that benefit XXXX XXXX. I do believe XXXX XXXX has assumed it is a joint owner of my account based on its actions. This confusion has raised serious concerns about the management and security of my funds. 

Furthermore, I am concerned that XXXX XXXX may be unable to meet its obligations to depositors and creditors. The value of a bank account is not solely reflected by the current balance ; it can also include other factors such as accrued interest, pending transactions and ant investments linked to the account or profit generating schemes such as fractional reserve banking. Very disturbing regarding the security of my account. 

Previously XXXX XXXX has used my service agreement to restrict certain actions or limit my ability to transact on my personal account. This agreement is not valid because of behavior that amounts to breach of trust, breach of fiduciary duties, insolvency, false advertising, identity fraud, and deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERNED THESE LENDERS PULLED MY CREDIT WITHOUT MY CONSENT OR PRIOR AUTHORIZATION. I CALLED THE THREE CREDIT AGENCIES AND COMPLAINED ABOUT THE ERRORS ON MY CREDIT REPORT AND DEMANDED TO HAVE THEM REMOVED. THEY IGNORED MY CALLS AND DID NOT REMOVE THE UNAUTHORIZED INQUIRIES. 
THE FOLLOWING ARE THE UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, XXXX, and TransUnion regarding the inaccurate addresses, phone numbers, employment and a multitude of other inaccurate information. I have reached out and explained to each of the bureaus about identity theft and fraud that occurred during the pandemic & after. I have faced challenges disputing unauthorized credit cards and car loans opened in my name. Despite me providing proof of their actual address and documentation, the issue persists, and I have promptly reported the fraud and misuse of my credit.
Product: Checking or savings account

I complained recently about them taking XXXX $ I did not authorize but upon checking my account I noticed more funds charged to which I never authorized.
Product: Credit reporting or other personal consumer reports

Complaints were filed on XX/XX/2023 and all i got was feedback provided and company responded i tried to apply for loans but were denied do to negatives on my credit report which is a violation of 15 USC 1681
Product: Money transfer, virtual currency, or money service

Im writing to raise concerns about Zelle and how disputes are handled. Ive experienced issues where my financial institution and Zelle didnt investigate my claims properly. I was told recovering my lost funds wasnt possible and that they couldnt track the transactions, which feels unacceptable. It seems like Zelles system isnt doing enough to protect users, and it leaves people like me open to scams and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my situation, I have a satisfaction letter from a debt collection agency that was given to me. I have taken this and disputed all 3 credit reporting agencies. The results of their investigation has been unchanged and updated. I am trying to resolve a closed account under my credit report that is stating as a Charge Off/Collection from a repo and it needs to be changed to a settled debt. I have contacted all 3 parties and their managers of credit bureaus, XXXX XXXX ( original auto loan lien holder ) and Independence Capital Recovery which is formerly known as XXXX XXXX XXXX XXXX ( debt collection agency who purchased the debt ) to see what they can do. They all give me the runaround saying that there is nothing they can do to update my report. Here is my satisfaction letter attached to this complaint. I settled the account for less than the full amount of {$1500.00} for it to be closed. 

When I have spoken to XXXX XXXX, and XXXX  's dispute center over the phone their response for the unchanged status of that closed account is that they are only a reporting agency and that they have received a satisfaction letter but give this information to XXXX XXXX to verify. They said to contact XXXX. I have contacted XXXX and spoken to a supervisor over the phone named XXXX XXXX and she advised that there was nothing she can do as once the debt has been charged off and sold to another lender they wipe their hands clean with it essentially. As I contact the general manager XXXX of Independence Capital Recovery through his direct phone number he says that this scenario has never happened to him and that they do not report to the credit bureaus. He say 's " he acknowledges the debt has been settled as he knows i have the satisfaction letter but there was nothing he can do and to then further contact the bureaus again. 

The status under these accounts still are under Charge-off/collections and not settled. At the time all of these parties were contacted were the date of XXXX XXXX XXXX
Product: Mortgage

A chat representative revealed to me that Mr Cooper had not actually done what I was told they had done to keep me from getting contacts. Chat attached.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Dear CFPB, I am writing to bring to your attention a serious matter concerning aggravated identity theft, a federal offense under 18 U.S.C. 1028A. This statute, enacted in 2004, mandates a minimum sentence of two years in federal prison for those found guilty of such offenses. The sentence for aggravated identity theft must be served consecutively to any other penalties for the underlying charges, and probation is not permitted.

Aggravated identity theft involves the unauthorized use of another person 's identifying information in connection with a felony or terrorism offense. Examples include, but are not limited to : Stealing a person 's social security number or credit card information Opening accounts in the victim 's name Using the victim 's information to obtain goods or services Billing a client electronically for more hours than were actually worked Charging a customer for a more expensive product than ordered using electronic payment methods To establish aggravated identity theft, the following elements must be present : The defendant knowingly transferred, possessed, or used, without lawful authority, a means of identification of another person. This could include someone else 's driver 's license, passport, social security number, or other personal identifiers.

In light of this, I am requesting a SSA-89 form from the following creditors and inquiries : Creditors : XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX {$2800.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX2024 ) XXXX XXXX  ( XX/XX/XXXX2024 ) XXXX XXXX ( XX/XX/XXXX2024 ) I respectfully ask that these institutions remove any information related to these accounts and inquiries from my consumer report if they are unable to provide the SSA-89 form with my wet signature XXXX 

I appreciate your attention to this matter and look forward to your assistance in resolving these issues promptly. 

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

I hope this letter finds you well. I am writing to express my ongoing frustration and concern regarding the repeated attempts I have made to remove an accounts included in bankruptcies and public records from my credit report. Despite my diligent efforts to rectify this issue, it persists, causing significant harm to my financial well-being. 

I initially contacted your agency on date of initial dispute to report and dispute an account that is inaccurately included in bankruptcies and public records on my credit report. Since then, I have made several additional attempts to address this issue, providing extensive documentation to support my claims and adhering to your agency 's dispute procedures diligently. 

Regrettably, despite my persistent efforts, this account remains on my credit report, negatively impacting my credit score, financial credibility, and overall trust in your agency 's ability to maintain accurate credit reports. This inaccurately reported account has a direct impact on my ability to secure loans, housing, employment opportunities, and other financial endeavors. 

I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of this account in bankruptcies and public records. It is crucial to emphasize that this account does not belong in bankruptcies or public records and is not a reflection of my financial responsibility. 

I urgently request that you take immediate and definitive action to remove this account from the bankruptcies and public records section of my credit report. I have provided substantial evidence to support my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the correction has been made. 

Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Ensuring the accuracy of credit reports is paramount for maintaining trust and confidence in the financial system. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your immediate assistance to remove these following items : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2600.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 EXPERIAN DISPUTE AGAIN XXXX FOR CAR LOAN Good Morning, I am repeating that XXXX was frustrated that I was closing my account and moving to XXXX XXXX. They retaliated by turning off my online access and would not allow me to make the payment in a timely fashion, by not allowing my payment from new credit union. 

It was not only intentional, but I have filed with the XXXX  to complain. 

In XXXX  years of membership, I never EVER even ONCE had a late payment. 

By turning off my online access, I was calling in, using number after number to try to input my payment. 

Their management team would not return my calls. I have original file with XXXX  that I will include. 

AFTER that, they then called me, I told them I could not SEE anything on my payments, so they turned it back on. I was then able to pay immediately. 

In my opinion, they intentionally covered up when the payment was due, as it was on auto pay along with ALL my payments for XXXX  YEARS! 

This filing was from XXXX, I finally got a response after the complaint and then they turned it off AGAIN! 

I am not the only person this has happened to! I would ask that you accept my dispute, as I do NOT have ONE SINGLE other history of late payments. It was for {$130.00}. 

My husband is a XXXX, it was NOT the amount, it was them intentionally making a late payment by hiding my online access.
Product: Student loan

I have federal student loans from Utah Higher Education Authority ( UHEAA ), which I am making monthly payments of principal and interest of {$420.00} on the XXXX of every month. I made an additional payment of {$10000.00} on XXXX XXXX, 2016. It is my understanding that XXXX percent of that {$10000.00} should go towards the principal of the loan, since it is an extra payment on top of my regularly scheduled monthly payments. This is also what UHEAA representatives have told me on numerous occasions. However, XXXX applied {$21.00} of my payment towards interest for the four days of interest that accrued from my normal payment date of the XXXX to the XXXX. They did not apply XXXX percent of my payment towards the principal of the loans. When I spoke with XXXX, a manager at UHEAA, she confirmed this was their policy and their system automatically applies any payment first towards any interest due and the remainder to principal. I would like {$21.00} credited towards the principal of my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian tried to get me to " upgrade '' to a paid account in order to " lock '' my credit, a service offered free of charge by XXXX and XXXX. In the fine print I discovered that I can FREEZE my credit without charge. Experian consistently makes it very difficult to freeze and unfreeze credit, forcing people to fill out long forms. Compared to XXXX and XXXX, it is a nightmare. I believe they are taking unfair advantage of possessing my confidential information and are using questionable business practices in order to make a profit off this information.
Product: Debt collection

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under LJ Ross Associates Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as LJ Ross Associates Inc. had not responded, therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Product: Credit card

I received a credit of {$310.00} that was pending on XX/XX/year>. It still has not been made available.
Product: Checking or savings account

I am writing a complaint on Bank off America cause in XX/XX/2019 I had lost my debit card with them and I reported the fraud to BOA and they did not approve my claim. I moved from my address in XXXX XXXX XXXX XXXX NM to XXXX XXXX XXXX XXXX  XXXX I filed a police report and sent it to them attached with my social security number XXXX cause I did not have my account number heard nothing back and they had my account overdrawn cause of this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX received a letter requesting the " Method of Verification '' as I suspected that they utilized an electronic method known e-Oscar to verify the debt they say I owe. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Transunion received the same letter/request on XX/XX/2021. XXXX received the same letter/request on XX/XX/2021. The Method of Verification has not been received by listed companies. The ( 15 ) day period has been exceeded.
Product: Payday loan, title loan, or personal loan

After several bouts with XXXX and XXXX related medical issue, my income got a little boost so I started trying to catch up. I am inundated with XXXX - XXXX calls a day on my cell phone and XXXX XXXX calls on my home phone then they hang up once I answer the phones. This is the second time that duplicate payments were made in the amount of {$76.00} ( due XX/XX/XXXX ), {$58.00} ( due XX/XX/XXXX ) and XXXX ( due XX/XX/XXXX ). On XX/XX/XXXX, I called Affirm to reverse the payments because was caught up. Affirm told me they refund/reversed the money back to my account. Later that evening I double check my account and found they processed XXXX unauthorized payments to the account. Now Ive been charged {$60.00} Overdraft plus {$76.00}, {$58.00} and {$40.00}. I reviewed the Affirm accounts and it reflects each of them were refunded but additional processed payments not due. Also, while I thought they were processing a loan modification which said I had no active loans to modify then they delayed it to report derogatory item.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer/client/member of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters. 

I have made several attempts to report and have fraudulent items removed from my credit file. However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data.

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. 

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX