23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reached out to Navient about a status change on my credit report which shows student loans have been written off. I spoke with the Navient representative XXXX on XX/XX/2023 around XXXX and requested info about the write off status and he confirmed that the loans were written off and went into collection with a law firm that serves as a collection agency named XXXX XXXX XXXX I requested the bill of sale, 1099 form for the written off amount, any documentation on the write off, and a copy of the signed contract for the alleged debt. I am currently awaiting this information. 

I am now requesting via the CFPB that Navient provide the following : bill of sale, 1099 form for the written off amount, any documentation on the write off, and a copy of the signed contract for the alleged debt. 

This is not a request for validation of debt or any alleged debt but rather proving where you got my information and what you believe entitles you to collect any debt or alleged debt from me. I am not asking for verification of debt, statements, or any account information. Navient is not to communicate with me directly nor indirectly with the attempt to collect any debt or alleged debt.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has resulted in the continued presence of inaccurate or unverifiable accounts on my credit report, causing me harm.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing.

I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX  inaction violates federal law and my rights as a consumer under 15 U.S. Code 1681o. I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to those outlined in 15 U.S. Code 1681n and 1681o, if this matter is not resolved promptly and accurately.

The following items to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a notification from the credit monitoring app that I am using. This agency is being reported just this month XX/XX/2021. This is the first time I heard about this company. I am not familiar with the name of the agency or with the balance. What is expected is for me to receive notification first from the agency about any account that will reflect and affect my credit file. This account had a big impact on my credit score and it is so sad that I havent heard about this account. I was not given any proof of this account. I am worried that my personal information is compromised because of this notification. The reason I am filling a CFPB complaint case. Section 609 of the FCRA states that the agency is required to send me the original paperwork that verifies this account otherwise, this is false information. I need this account removed from my credit report.
Product: Checking or savings account

I made a purchase via XXXX from seller XXXX XXXX, and the seller contacted me and told me the package was removed from the locker and told me they would issue a refund. That refund appeared on my account after I filed a fraud dispute for never receiving the package. Last week USAA, the bank knowing this, still went to XXXX and forced a payment from them, stole the payment, then told me they will reverse the credit because they determined it was an authorized charge. So why did they go back to XXXX and steal the money like it was not authorized and ignore the refund from the seller? They stole money and reversed my credit and told me that I have to pay it back on XX/XX/XXXX. Please make the bank give the money back to XXXX because that was fraudulent if they decided it was not fraud.
Product: Payday loan, title loan, or personal loan

I was a victim of cyber fraud starting XX/XX/XXXX. Criminals hacked my checking and savings accounts and stole all assets. By the time I discovered what was going on, I immediately contacted my bank ( XXXX XXXX ), debit and credit cards and filed a case of fraud with all of them. Accounts were frozen and I was issued new account numbers, checks, and cards. Also reported fraud to credit reporting bureaus and blocked my information. Also reported fraud to the XXXX Police Dept, FTC, and XXXX XXXXXXXX XXXX XXXX. When I discovered the damage I noticed that the fraudsters applied for loans to add to my checking account I'm sure to replenish the money in my checking account in an effort to steal even more, they applied for loans with Rocket Loans, XXXX XXXX, and XXXX XXXX. The latter two companies denied the loans after doing due diligence by making sure I applied for the loans which I DID NOT. Rocket Loans, the loan company about which I am filing this complaint, did not do the required due diligence. They notified me that " a one-time payment of {$7000.00} was authorized ( NOT BY ME ) on XXXX XXXX, XXXX. I was stuck with paying off this loan as I don't have the resources to hire a lawyer to fight this corrupt loan company and did not want to risk further ruining my formerly very high credit score. I paid the amount in full with a check which I mailed on XXXX XXXX, XXXX. 

I would like my money back since this company granted this loan without my authorization. They are responsible for dumping this money into my checking account and charging high interest rates to be paid for this unauthorized loan. However, I've had little help from the bank and the reporting agencies mainly because I had little information on the individuals that did this to me. 

At the very least I want this company publicly reported so that others will be aware of their unlawful, predatory practices against vulnerable and unsuspecting people.
Product: Credit card

In XXXX of 2024, Got charged two with charges on my credit card, one for XXXX dollars and one for XXXX dollars. I locked the card and requested a new card. I was issued a chargeback for both charges, they recently reversed one of the two charges saying that the merchant said it was a valid purchase. The charge that was reverse was the XXXX dollar charge. The email address and phone number that were listed on the merchant copy were not my phone number or email. The charge was issued same day that I froze the card and requested a new card. As of recently I have been using the credit card strictly for gas and the charge I am disputing was not for gas. I spoke to a representative about possibly reopening the dispute but she did not sound confident or give me any any confirmation email or message about reopening the dispute. It is not a large sum of money but I do not want to pay for a purchase I did not make.
Product: Credit reporting or other personal consumer reports

Dear credit bureaus, I am writing to formally dispute the accuracy of a collection account listed on my credit report. The details of the account are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/year> ( as reported ) After carefully reviewing my credit report, I have noted that this account is being reported as opened in XX/XX/year>. I do not recall ever opening an account with this creditor on the specified date. Therefore, I am requesting the following information in accordance with the Fair Credit Reporting Act ( FCRA ) : Method of Verification : Please provide a detailed description of the procedures used to verify the accuracy of the information regarding this collection account. I would like to know the specific method and sources you utilized in your verification process. 

Source Information : Please provide the name and contact information of the original source that provided this account information to XXXX. 

Documentation of Account : I request a copy of any contract or agreement that bears my signature and indicates that I opened this account in XX/XX/year>. I would like to review the original documentation to verify the legitimacy of this account. 

Under the FCRA, I am entitled to request this information, and I expect a prompt response from your office within 30 days from the date of receipt of this letter. If the disputed account can not be verified or if the requested documentation is not available, I request that this account be removed from my credit report immediately. 

Please confirm receipt of this letter and provide me with the requested information at your earliest convenience. I appreciate your prompt attention to this matter. 

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

To Whom It May Concern : It has been brought to my attention that { WELLS FARGO } has listed { negative listing } on my XXXX XXXX file. To my knowledge, I have never had account with { WELLS FARGO ) therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { WELLS FARGO } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { WELLS FARGO } be permanently removed from my XXXX XXXX report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX rounds of dispute letters for unauthorized inquiries on my credit report. Never received a response back. These companies never looked into my dispute. 
Sent XXXX dispute letter out on XX/XX/21 and again on XX/XX/21 never received a response for either letter. And my disputes are not frivolous. I did attach my drivers license and social security card for verification still no response.
Product: Credit reporting or other personal consumer reports

Earlier today, I noticed that my credit report contains inaccurate accounts, and I have no explanation for it. I regularly review my credit report, but this time I came across some unexpected errors. I attempted to refresh my browser, hoping it was just a technical issue, but the inaccuracies persisted. Therefore, I am requesting a careful examination of the documents I submitted to prevent future concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. Please have them removed from the 3 credit reporting agencies Please see bellow th elist of accounts : Identity Theft WELLS FARGO Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/year>, at XXXX XXXX, I purchased a XXXX XXXX flight from XXXX ( XXXX ) to XXXX ( XXXX XXXX ) scheduled for XX/XX/year>, at XXXX XXXX. My confirmation email was received at XXXX XXXX. 

Due to unforeseen emergent family matters regarding the person I was traveling to see, I had to cancel my flight. I canceled it on Monday, XX/XX/year>, at XXXX XXXX, well within the 24-hour cancellation policy XXXX XXXX states for a full refund to the original payment method, as long as the flight is at least 7 days away. 

While I acknowledge the flight was 4 days away rather than 7, XXXX XXXX own refund policy does not override consumer protection laws regarding services not rendered. I did not take the flight, and the service was never provided. I should not be forced to pay for something I never received. 

XXXX XXXX denied my refund and forced a reservation credit onto me instead of returning the money to my original payment method, which was my Affirm account ( Loan ID : XXXX ). 

I have since disputed this charge with Affirm for the third time, who is currently reviewing the dispute. However, this transaction should have never been disputed in the first placeit should have been refunded immediately, as per DOT consumer protections. 

Violations & Escalation : DOT Refund Regulations : U.S. Department of Transportation ( DOT ) mandates that airlines must issue a full refund to the original payment method if a passenger cancels within 24 hours of booking, as long as the flight is at least 7 days away. 

However, XXXX XXXX ' internal policies can not override federal consumer protection laws. The fundamental principle is that I did not take the flight, and therefore, I should not have to pay for a service not rendered. 

Affirm Loan Dispute Loan ID : XXXX The purchase price was {$340.00} with an interest rate of 32.36 % APR, totaling {$350.00}. 

The dispute is still under review, but Affirm has placed a hold on payments while the investigation continues. 

XXXX XXXX needs to issue a full refund back to my Affirm account immediately, not a reservation credit.
Product: Debt collection

I just received a letter dated XX/XX/2024 from " Allied Interstate LLC '' about an alleged debt on behalf of XXXX XXXX in the amount of {$400.00} ( attached ). 

I've never heard from nor done business with " Allied Interstate LLC '' prior to this letter. 

I was a previous customer of XXXX XXXX, however I ended services with them on XX/XX/2024 as confirmed in attached letter. Despite my advance notice that I would be vacating the storage unit ( in accordance with their own rules ), they erroneously auto-charged me on XX/XX/2024 for a FULL forthcoming month of service totaling {$400.00} ( receipt attached ), when in fact I should have only been charged for the 5 days of occupancy from XXXX XXXX. 

I am absolutely not liable for paying for an entire month of storage. I tried to reach XXXX XXXX to have this corrected but they ignored me, so I disputed the charge with my bank. XXXX XXXX never tried to contact me about this again until I received this letter from their goons at " Allied Interstate LLC ''. 

Obviously they didn't provide the full story to " Allied Interstate LLC '' thus " Allied Interstate LLC '' is misinformed. I'm happy to pay a prorated amount for the days of occupancy, from XXXX XXXX as required, but that's it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account.
Product: Checking or savings account

On XX/XX/XXXX around XXXX I received a text from SoFi asking if I spent {$220.00} at XXXX XXXX XXXX XXXX I did not and they then froze my card asking me to call them the next day. I called the next morning and was told there was nothing they could do until the transaction posted to my account but they asked if I wanted a new card. I said yes. Fast forward a couple of days, I asked for an update and they stated that there was nothing they or I could do but wait until the investigation was over. At this point Ive removed my direct deposit ( s ) and most of my money from SoFi. Im just requesting an update of some sort on this situation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an on going issue and is physically and mentally draining. TransUnion is not impartial. XXXX XXXX was allowed this year to report each month a late payment so that it shows up on my credit report as late payments. That account was closed as of 2016 how can they report as late? Additionally Transunion allowed a {$290.00} false charge to remain on my credit for over a year. After I again sent prove it was incorrect they deleted the items. When an item is deleted Transunion is not crediting my credit report with increased FICO scores. The deleted account should be applicable with a score to match. Transunion allowed XXXX XXXX to delete my mortgage history almost two years ago thereby lowering my credit score. An erroneous medical debt for approximately {$800.00} was removed two weeks ago, they did not increase my score. They should be investigated. They removed an invalid collections item from XXXX and never increased my credit score. So it is situation after situation, where they do not do what is right for the consumer but rather big business. Check my credit history what I am stating should be easily be verified.