23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, For four months now, the credit bureaus have been reporting an inaccurate delinquent account on my credit reports. This negative account is being reported as a debt that XXXX XXXX XXXX XXXX claims was owed to them starting in XXXX of XXXX. While I did have a bank account with Grow since XX/XX/XXXX, I moved away from the bank ( local XXXX, FL bank ) and closed the account in XXXX. Absolutely no knowledge or notice of a balance was given to me as the account was CLOSED. I was not notified of a balance, and was unable to login to account because it was CLOSED. XXXX XXXX sent no mail, e-mails or calls to notify of a debt to them or it would have immediately been paid. In order to establish a debt, the consumer must know of the debt and be given a due debt. This NEVER happened. This is not a valid debt and needs to be REMOVED. 

I have reported this debt to Experian twice now and they will not remove the fraudulent account. 

The account number reported XXXX IS NOT the account number I had with XXXX XXXX. I have NEVER opened an account with that account number. This account number is made up, and is further proof of foul play. My account number with XXXX was XXXX ( proof attached-number masked for security ). This account that experian is reporting is inaccurate, fraudulent, and needs to be removed immediately. 

I have sent XXXX a check for the amount they claim I owe in order to just get this off my credit however it is still being reported with three months of late payments, with a made up account number, made up due dates, and without the proper documentation to claim I was aware of or that I acquired this debt. 

( Proof of account number, check payment to XXXX once made aware of this false debt, police report of identity theft, etc. available upon request. ) Thank you for you help with this unethical practice. 

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

ON XX/XX/2022 I MAILED LETTERS TO EXPERIAN, XXXX, AND XXXX LETTING THEM KNOW THEY ARE IN VIOLATION OF HIPPA LAWS. I ASKED THEM TO PLEASE PROVIDE ME WITH A WRITTEN CONSENT BEARING MY SIGNTURE, GIVE YOU PERMISSION TO FURNIS THIS INFORMATION TO MY CONSUMER REPORT. THEY HAVE FAILED TO PROVIDE ME WITH ANY INFORMATION ABOUT THESE ACCOUNTS.
Product: Checking or savings account

I was in XXXX XXXX from  XX/XX/XXXX-XX/XX/XXXX. While in XXXX I noticed that there were a few  unauthorized withdrawals from my checking account at a branch in XXXX XXXX. on XX/XX/XXXX andXX/XX/XXXX.  I immediately called Chase Bank to report the fraud and they issued a provisional credit. After a few days I received notice that they had rejected my claim and I was responsible for the charges. Reached out to Chase again and explained that I was out of town when these charges were made and I even provided proof via travel docs. A couple days later, I was notified that they had looked at the claim again and again had rejected it because a PIN number was used to complete the transaction. They claim that there is no way for them to definitively prove that I hadn't authorized this person to make these withdrawals on my behalf. I explained that they are saying that I am committing fraud myself by filing a false claim...they said that they were not saying that but clearly they are.
Product: Credit card or prepaid card

Hi my name is XXXX XXXX XXXX. I live at address XXXX XXXX XXXX XXXX California XXXX. My date of birth is XX/XX/XXXX. the answer to my secret question is " what is your pet 's name? '' The answer is " XXXX ''. My debit card number is for XXXX. Expires on XX/XX/XXXX security code XXXX. My social security number is XXXX. 

I'm writing to you today to express concerns about possible corruption and inside jobs within your bank. My account was frozen for no apparent reason and once I got it confirm to be valid and not fraudulent by the EDD state they proceeded to activate my bank account again you got to learn that as of XX/XX/XXXX I was negative {$2600.00}. According to them I was negative because my temporary credit applied for my two disputes have been reversed automatically they said after my account has been frozen. I called more than a week ago to escalate a claim and I called back this Monday to find out that the only escalated one claim the supervisor claims that I would get my money in 3 days so far it's been a struggle to get ahold of anybody to check the status of my claim I was hung up on this morning rudely by a claims department representative. All I'm asking for is there a adjustment my disputes that haven't yet been investigated and also access to my funds that I've received from EDD I also asked do you look into the matters of your employees that haven't been helping people the proper way it's been noted on XXXX and other online forms about similar cases receiving no help whatsoever I need access to my funds as soon as possible feel free to call me at XXXX. I've been waiting about 10 for my negative account balance that shouldn't have happened to be reversed. If my account doesn't get reverse I won't be certifying any new benefits and I will be reporting this to the XXXX XXXX XXXX and the federal government to investigate fraud among the representatives of the bank.
Product: Student loan

My loans were approved for waiver by the Borrowers Defense to Repayment program under the department of education, but the lender has not waived the loans because they are consolidated. 

This is a violation of a prior CFPB order and stipulation agreement of XXXX.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : Ally Financial DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : CXXXX XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXXXX XXXX DATE OPENED : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Checking or savings account

I asked why funds do be taking out right then and there and it caused for me to have payments that I shouldnt have to have
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX XXXX on XXXX XXXX concerning chargeoff showing on my credit report. I asked them to prove that this account was mine. They never responded so I sent them another letter on XXXX XXXX. They never responded to this letter either and just stonewalled me. They have a responsibility to prove the reporting or delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are saying the complaint is not by me. I AM XXXX XXXX. THIS COMPLAINT IS FROM ME. Stop being XXXX and trying to use every excuse in the book not to address the issue which is the fact that you did not investigate in 30 days!

Now try another excuse ....
Product: Checking or savings account

On XX/XX/XXXX, an individual sent a payment to my PayPal debit account, which has a checking number and debit card. I was unable to accept the payment, and PayPal notes the account must be verified. 

I then made countless calls to PayPal customer service over the weeks, only for them to say every time that 'there is a block we can not lift and you must wait 48 hours to link a bank, also don't use the service. ' As of XX/XX/XXXX, the payment is marked as returned by PayPal because they state the account wasn't verified. They prohibited me from verifying my account to accept the money into my account.
Product: Debt collection

I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 

XXXX. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal. 

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. 

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.
Product: Mortgage

On XXXX I receive a call from Freedom Mortgage as to do a VA IRRRL Streamline Refinance from the Loan Officer XXXX XXXX. We discussed and I had decided then that I would would like to add my wife to the loan. XXXX, told me that was not possible although I knew it was as the VA Handbook describe in what situations can you add and remove individual. XXXX, then stated that he would get her added to title. I was fine with this as it wasnt necessary to add her to the loan but I wanted her on title. As we get tot he end we both sign our Closing Disclosure. We both signed and scheduled closing for XXXX. On XXXX the notary shows up and nothing is as discussed. Everything is show myself as single and nothing as being married. I went ahead and signed because I knew with COVID-19 didnt know when the opportunity would come up again and figured this could be fixed in post closing. I sent an email toy XXXX and a sales manager called me later that day saying he would follow up. I still have not heard anything
Product: Student loan

I applied for a public safety loan forgiveness ( PSLF ) waiver ( Waiver Program ) the Federal Student Aid department of education on XX/XX/XXXX. I have been a public servant since XXXX ( XXXX years ) and also on a XXXX federal student loan repayment plan since XXXX. Under this new Waiver Program, my XXXX student loan payments will now be considered a qualifying payment under the PSLF program. I estimate I have made 190+ payments to date, when I only need 120 to qualify. When I submitted my application, I was told that the Department of Education ( DOE ) would need 60-90 days to qualify.

I contacted the Federal Student Aid Program several times during this period to verify my application status. On XX/XX/XXXX, I was informed my application was being denied for lack of a " wet ink signature '' on the application by myself and my employer. Both my employer and I had digitally signed which was in violation of the DOE 's application requirements. My issue is that the DOE did not notify me of this deficiency for four months. When inquired over the phone as to why I was not timely notified, I was told they were just too busy. The Student Aid Program instructed me to resubmit my application which I did on XX/XX/XXXX, and received acknowledgement back from the program by mail with a letter dated XX/XX/XXXX. 

In my conversation with the Federal Student Aid Program today ( XXXX ), I was told that my resubmitted application was still subject to their 90 day processing timeline and and would not be processed any faster, despite my applying for the Waive Program in XX/XX/XXXX. I have a real issue with this as the Cares Act federal student loan forbearance program expires in XX/XX/XXXX which will result in my having to make additional payments on a loan that I will have already overpaid for under the Wavier Program.

Any assistance you could provide would be very helpful. 

Thank you, XXXX XXXX
Product: Credit card

Subject : Urgent Request for Compliance with Service Member Civil Relief Act ( SCRA ) Dear American Express Customer Service, I am writing to express my deep concern regarding a significant issue with my American Express account ( [ Account Number or last four digits ] ) that has persisted unresolved for XXXX XXXX. As a loyal American Express cardholder of more than XXXX XXXX, I expected greater responsiveness in handling matters related to my XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 

On XX/XX/year>, I entered XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I contacted American Express to have my account placed under the protections afforded by the Service Member Civil Relief Act ( SCRA ), codified at 50 U.S.C. 3901-4043. According to SCRA, my account should have been placed at a capped interest rate of XXXX XXXX, applicable while I am actively serving. However, upon reviewing my past statements, I found that my account was only placed under SCRA protection for XX/XX/year>, with subsequent charges returning to an approximate XXXX XXXX XXXXXXXX. 

Despite my repeated efforts to address this discrepancy, including multiple conversations with American Express representatives, the issue remains unresolved. Each attempt results in the same response, without any effective resolution. This has not only caused financial strain but also undermined my trust in American Express 's commitment to support service members. 
Here is my ref Id of this chat - XXXX & XXXX I am requesting an immediate correction of this issue. Specifically, I ask that : My account be adjusted to reflect the XXXX XXXX interest rate as required by SCRA from the start of my XXXX XXXX in XX/XX/year> to the present and while I remain in XXXX XXXX status. 
A thorough review of past statements to identify and credit any overcharged interest incurred due to this oversight. 
An explanation of why it has taken so long to rectify this matter and why I continue to receive insufficient responses despite my ongoing attempts to resolve this issue. 
Thank you for your prompt attention to this matter. Please contact me at [ Your Phone Number ] or via email at [ Your Email Address ] to confirm the steps being taken. I trust that American Express will honor its commitment to uphold the rights and protections granted to service members.
Product: Debt collection

I had a XXXX XXXX months ago then right after fell sick and was taken off for by my doctor and XXXX  have been off XXXX months due to XXXX XXXX  issues on unpaid FMLA! At that time I let the XXXX  XXXX XXXX XXXX XXXX XXXX  know this and that I would pay the balance due asap when I am released to XXXX. I an twice widowed, went through all of my savings while off paying my living expenses with it and my credit was ruined after my savings ran out on XX/XX/2022. I am still off all bills are behind and I have no way to get a loan or credit card or pay anyone as my score has tanked to XXXX due to all. I work for the State of XXXX XXXX  and was denied my workers comp and disability. I also provided insurance for them to try to bill all as well as XXXX while I am off work. In addition this bunch of crooks at the collection agency have padded the balance by several hundred dollars so committing fraud and are sending notice via my email instead of mail which I never gave them my approval to do!! I will not be paying the bill at all now!! This is my official CEASE AND DESIST to them and I am contacting a lawyer about suing them!!
Product: Debt collection

On XX/XX/XXXX I went to see XXXX XXXX for annual wellness checkup. After my visit XXXX  months later! recieved a bill for {$40.00}. I contacted the Dr office questioned them about the bill. Stating that it was for annual check up. I have XXXX XXXX XXXX and XXXX XXXX insurance. I should not have a copay. Especially for annual check up that is covered at XXXX XXXX. I've seen this XXXX for many years. Often for annual check up. So after another 3 months I received a collection bill from collection agency. I called that agency stating that I have dual insurance and it was supposed to be wellness checkup. The collection agency said they will contacting XXXX XXXX office and will call me if there is issues. Haven't heard back from the collection agency since. So now I schedule for my annual wellness, when I showed up for my appointment, I was told I can't see XXXX XXXX because I didn't pay my bill. As many times I disputed this bill, they told me it's my responsibility to pay for it. 
I told the office manager that if I truly owed it then I would have paid but it's wrong to bill me for {$40.00} when I have dual insurance and covered XXXX XXXX for wellness checkup. 
So I called the XXXX XXXX back today XX/XX/XXXX, now they told me that they did not file as a wellness check up but as a new patient. I was not inform about being a new patient especially I has been seeing the XXXX office for many years. This is unethical and insurance fraud.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to rectify a dispute with Bank of America, and I am thoroughly dissatisfied with their handling of the matter. My complaint, filed with the CFPB and overseen by XXXX XXXX, a Resolution Specialist at Bank of America, has been met with blatant disregard for my requested resolution. 

During our conversation via telephone on Thursday, XX/XX/2024, I reiterated to XXXX XXXX that my dispute is being mishandled. Despite my clear instructions, XXXX has chosen to dismiss my requests and has demonstrated a lack of understanding or acknowledgment of federally mandated laws, including USC and CFR codes referenced in my dispute. Instead of investigating thoroughly, XXXX XXXX has opted to interpret these laws according to her own understanding, disregarding my position entirely. This negligent approach by Bank of America further confirms their disregard for my concerns. 

1. Bank of America has failed to adhere to my opt-out directive, as stipulated in 16 CFR 313.7 and 313.10 ( a ). Despite my confirmation of their privacy notice, I have explicitly exercised my right to opt out of sharing my non-public personal information with non-affiliated entities, including major credit reporting agencies. 

2. I have also explicitly informed XXXX XXXX that Bank of America should refrain from reporting specific information to my consumer credit report, in line with 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ). However, XXXX has misconstrued my directive, incorrectly assuming a complete opt-out of consumer reporting, thus neglecting my request. 

3. By invoking my privacy rights, I have formally revoked all authorizations granted to Bank of America, as permitted under 5 U.S. Code 552a. This revocation includes consent provided through various means, such as written agreements, verbal agreements, or actions taken without explicit consent. Bank of America 's blatant disregard for my revocation request and ongoing negligence in addressing my disputes is unacceptable. Despite repeated reminders, they have failed to acknowledge my privacy rights and have ignored my opt-out requests. 

This is my final attempt to resolve this matter with Bank of America. It is unreasonable for it to take three attempts to resolve an issue with this institution. I expect immediate attention to this matter and a resolution that complies with regulatory requirements. 

Furthermore, I demand that all my personal and business accounts remain open and active during this dispute. I explicitly state my refusal to close any accounts for any reason, and I expect Bank of America to adhere to this directive without further delay.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX BLATANTLY VIOLATES SEVERAL FCRA regulations. XXXX XXXX account was CHARGED OFF on XX/XX/XXXX on XXXX, TransUnion XXXX, XXXX and XXXX XXXX of XXXX. XXXX XXXX continues to report it as a charge off/ collection status open, with discrepancies between each of the credit bureaus. This inaccurate information falsely manipulates statute of limitations, and proves that XXXX XXXX deceptively report incorrect information to credit agencies. Despite being charged off, XXXX XXXX has failed to provide me with a 1099-C form, as required by IRS code 4681. Additionally, XXXX XXXX has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, XXXX XXXX  has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter disputing an error I sent a letter requesting method of verification No action was taken