23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On Saturday, XX/XX/XXXX I got a notification from my bank that my account went into overdraft. I was charged fees on top of the overdraft. I checked my account to see what caused the overdraft. To my dismay, it was a auto debit check from my private loan from Navient charging me about {$440.00}. My normal payment on the XX/XX/XXXX is around {$270.00}. I was confused and angry but could not speak with the company because they were closed on the weekends. Monday morning around XXXX XXXX I called the company regarding the matter. I told them that I was not notified of a payment increase or a change in my rate reduction program. The person on the phone name was XXXX and she was very rude. She argued and told me I signed up for this and they are allowed to debit whatever amount. I was trying to explain to her that I was not notified, but she said well it was taken out of your account since last month. When she told me that I checked my account and saw that she was right. About {$440.00} was taken out automatically by check and then for some reason I paired them {$270.00} on top of it. Because she was SO rude I asked to speak with someone else. This person, XXXX, wasnt AS rude but she was not empathetic either. I asked her if I was notified that there would be a change in my payments. She said yes and told me to hold on and it took her almost 2 minutes to look. She stated she couldnt see when I was notified by it should be in my statement. I asked her how am I supposed to know when my rate reduction program ends without notification from the company? I also was confused because I did receive an email from Navient stating my program was ending XX/XX/ and my payments would be increased in XX/XX/. I submitted an updated financial statement and e-signed it. I never received a call back from Navient about that. I did not receive any notification notifying me of an increase starting in XX/XX/XXXX. She claims one of my loans ended in XX/XX/XXXX but couldnt explain to me when would one end and not the other when I signed up for the rate reduction program and the same time ( I think in XX/XX/XXXX ). I also asked her to take me off of auto debit because of this matter. She never notified me that I would be charged {$23.00} to end auto debit. This company is not professional at all and I wish I never signed up when starting college.
Product: Student loan

I received a notice from Coast professional that read if you wish to repay this debt voluntarily, you must contact our representative with 15 days of the notice. I did just that and after negotiating a payment plan, I was told it would not avoid wage garnishment. I agreed to the payment quoted and a manager got on the line to advise that i still would be garnished. I 've met both deadlines so I 'm unclear of why the letter is so misleading.
Product: Credit reporting or other personal consumer reports

I changed my first name XX/XX/scrub> 2023. Since then I have disputed my name with equifax multiple times. I provide the documents they request everytime. They state that a drivers license works as id verification so I have uploaded that with every single dispute. For the last 516 days they have responded telling me to upload my drivers license cause apparently they are too lazy to open the driver license photo I already uploaded and they still wont do anything then today they hung up on me after going silent and pretending they werent on the line for 30 minutes. They have had 516 days to fix my name but apparently are too lazy to do the one thing they are required to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX Balance : {$9700.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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

I was trying to get this off my credit since the Balance Is XXXX, I Am Having Problems Getting The Paperwork, To Prove That My Balance Is XXXX, Because I Am Trying To Get This Account Off My Credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of the XXXX XXXXXXXX XXXX XXXX account on my Equifax credit report, which was last reported on XX/XX/year>. This account has already been investigated, but the information remains inconsistent with both XXXX XXXX compliance standards and my rights under the Fair Credit Reporting Act ( FCRA ). 

Basis for Dispute : XXXX. Inaccurate Payment and Closure Dates : XXXX confirms this account as " Paid, Closed '' in XX/XX/year>. However, Equifax lists the account with a last payment on XX/XX/year>, and still reports it as " Closed '' but retains conflicting historical data. 

This inconsistency violates FCRA 623 ( a ) ( 1 ), which requires furnisher to report accurate information. 



XXXX. Prior Investigation Results : This account was previously disputed, but Equifax failed to correct or delete the information despite the apparent inaccuracies. As per FCRA 611 ( a ), I have the right to a reinvestigation when the initial outcome does not resolve the issue. 



XXXX. XXXX XXXX Compliance Violations : Reporting the account with conflicting data regarding payment history and closure violates XXXX XXXX guidelines, which require uniform and accurate reporting across all bureaus.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I NOTICE I HAD FRAUDULENT ACCOUNT IN MY REPORT. PLEASE REMOVE THOSE ACCOUNT FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT ( XXXX ) # XXXX.
Product: Debt collection

For the last several years Jefferson Capital has been trying to collect in a debt that the original creditor had stated was not mine and was a XXXX balance ( as far as the were telling myself and the Minnesota attorney general office who was assisting on this file. We seek validation of the debt and they dont validate, the debt is removed from my credit report only to be added back on after a couple of months. What is the point of the dispute process if when you win as the consumer they can just repost it to your credit reports by just changing a date by a day or adding {$1.00} dollar to the balance and have it reappear. I have had this debt removed from my report 6 times only to see them place it back up
Product: Debt collection

Complaint Regarding Attempted Scam On XX/XX/year>, I received a phone call informing me to contact a specific number regarding a process server allegedly sent to my address. Upon calling, I spoke with an individual named XXXX, who claimed to work for a company attempting to resolve an old debt I supposedly owed to a Check Into Cash establishment. This individual had access to my Social Security number, an outdated address, and details of the alleged debt. 

XXXX insisted on resolving the matter out of court before the process server arrived. He outlined several payment options and mentioned that I needed to sign a legal contract through DocuSign to finalize the settlement. However, the document required my credit card and debit card information, which raised red flags. Suspicious of the legitimacy, I refrained from signing. 

On XX/XX/year>, I received multiple follow-up calls from XXXX, pressing me to sign the contract. When I pointed out discrepancies in the document 's stated amount and insisted on having my lawyer review it first, XXXX became argumentative. He stated his company would continue to call daily if I did not comply, a tactic I identified as harassment. After I ended the call, I noticed that the document had been withdrawn from DocuSign, but I retained the email address, the content of the email, and the phone numbers used to contact me. 

This experience appears to be an organized attempt to scam me. I am reporting this incident for further investigation. 


The phone numbers they used to call me : XXXXXXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX I was supposed to receive my deposit from capital one, its now the XXXX and I still havent received my check.
Product: Debt collection

Portfolio Recovery Associates LLC placed a collection on my credit reports for {$1800.00}. I disputed this entry and requested proof they legally owned the debt. After some research online, I discovered that I am entitled to this information as noted in the case Green v. Portfolio Recovery Associates LLC. 

This information was never sent so I paid the {$1800.00} under duress because I have a heart condition and the stress of this was causing affecting my blood pressure and causing me additional health problems.
Product: Debt collection

I receive calls from Focus Receivables Management on a daily basis attempting to collect a debt that is owed by another person, one I have never had a relationship with. The automated message asks me to call at XXXX.
Product: Checking or savings account

On XX/XX/22 at XXXX EST I received 4 emails from Bank of America stating that an online account had been opened in my name. The account is called Bank of America Advantage SafeBalance Banking Account. They used my full social to open the account. I looked up the fraud department number for Bank of America and reported the Identity Theft. They did a report and closed the account and alerted the credit bureaus. I've also had to contact my banks and creditors to make a fraud alert as well.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( Requires removal of each item from the credit report which you identify in your complaint within 4 days of complaint getting submitted to CFPB ) FCRA 611 ( 15 U.S.C. 1681I )
Product: Checking or savings account

I paid my tax bill to my treasury office in my state {$1400.00}. It was took from my account and the was an issue with the check so they sent it back and it has been over a month since and I have yet to get my money back.
Product: Debt collection

On XX/XX/2023 I was contacted by FBCS about a debt I had owed. They provided an option to pay for {$340.00} by XX/XX/2023. Upon verifying and logging into my account on XX/XX/2023, the only option was to pay {$550.00} as a bait and switch. No other amount options were available.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 
I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Mortgage

I have submitted documents in order to short sale my property and face a foreclosure on my credit report I submitted XXXX and pay stubs and all other docs through a friend of mine. I was denied because a box on the Request do mortgage assistance had a box unchecked the ask whether or not I am receiving unemployment. It is clear that o am not I submitted pay stubs and a XXXX. I believe that sps have violated my rights and intentionally ignored my file. I was told to resend file them I was told no enough time to review file.
Product: Debt collection

Bank of America has falsely reported a credit line of extension. 
The Bank has sold the alleged debt to a collections agency XXXX XXXX XXXX as of XX/XX/XXXX The Bank has not provided any documents-emails, calls, letters from any branch in the amount of the debt {$10000.00} ( approximate ). 
The Bank has attempted to open a law suit on the alleged debt through XXXX without notification of the sale of this debt notice of sale XXXX XXXX XXXX has furthermore not provided any communication on the any collections actions Under 15 USC 1692 ( e ) ( 8 )  request BOA to be investigated for intentional non compliance and knowledge that its agents have violated FDCP statutes in XXXX and XXXX XXXX XXXX ( affirmative false representations and omissions of material facts to a third party collections agency ). 
XXXX XXXX XXXX regularly collects debts as part of their business activities. 
It has threatened to collect on a charge off that has not been affirmed by the defendant or through the Bank with original signatures of the contract The harassment, illegal actions include vandalism of the property, stalking in XXXX. 
The Bank has from XX/XX/XXXX not responded to any requests for documents or communications. They have not responded to any mails. 

Please also include investigations into transfer of {$770.00} by Bank of America without any notice in the mail or through email or call. 
Thereafter within, 30 days I received notice of private suit on a line of credit for {$10000.00} approximately opened in XXXX by the Bank through a third party collections agency ( XX/XX/XXXX XXXX   XXXX XXXX ) Lawsuit in XXXX is further harassment impacting credit score and ability to obtain employment in XXXX and XXXX XXXX XXXX. The additional burdens of requiring lawyers who have the knowledge and ability to work on contingency has reduced my income and savings to below acceptable. The Bank has in various ways attempted to take private property and my access my 403 B on false grounds through harassment on the checking accounts and by alleging a false line of credit on card through fraudulent actions of bank employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

barclays bank has been paid and the account should be in the process to a settlement.they said it is under investigation and there has been no results?
Product: Money transfer, virtual currency, or money service

Somebody created a " Cash App '' account in my name using my credit card information. On XX/XX/XXXX, this criminal sent themselves {$2200.00} from my bank account. I have contacted XXXX XXXX, who is doing an investigation. I have attempted to contact Cash App, which does not have a phone number. In order to email them, you have to have an account. I had to create an account to contact them. I asked them to do an investigation and gave them all my information. After waiting 3 days, they sent me an email today stating some irrelevant information about how to dispute if I didn't receive goods or services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I paid off my Chase credit card in full and closed it out I never received a bill afterwards for the day or two days that interest had occurred which came to {$7.00} my credit score went down 62 points because that {$7.00} was n't paid. Chase reported at that it was a late payment more than 30 days on my credit card I had no idea that that interest had occurred due to the fact that I closed out the account I never received a paper bill they said they sent me an email but it must have went into my spam. I called Chase and ask them to reverse it being so I was trying to get my credit score up and just cause my credit score to go down 62 points and they refused to help me
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 {$0.00}.

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 XXXX XXXX, XXXX  and the subsequent response received on XXXX XXXX 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 with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

I 'm purchasing and brand new home in XXXX XXXX and applied for mortgage loan from Bay Equity Home Loans since the end of XXXX 2016 and we received email and the package congratulation for the loan approval in XXXX 2016. It was supposed to close escrow in the week of XXXX but it did n't happen because at that time they then start asking for more and more proof of our sources and the time lengh that where my partner lived before.. Every time they ask, I provide it to them right away, NO delay but I never heard an update few days or week later then I contacted them, and every time I contacted them, they ask for more and more. I had documents sent over from XXXX and they said they need interperetor to translate and I still did n't hear nothing until 10 days later they still said that they still looking for interpretor then next day afternoon XXXX contacted me and told me to cantact some lady to pay {$250.00} for translation but that lady 's company do n't take credit card, the lady asked to to transfer the fee into her coworker that has the same bank with me to avoid the transfer fee for me, she said. I took care whatever I need to take care but until now they still telling me maybe next week, tomorrow. I took their words and assumed as it, I ordered appliance, furnitures and kept on reschedule so many time due to delaying on the loan at the point that delivery companies wo n't let me reschedule anymore
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and there is an account on my credit report for XXXX XXXX for {$34000.00}. I have provided a copy of the Federal Trade Commission identity theft report, which I will attach to this complaint, and I have made every attempt to communicate with XXXX XXXX, and the credit agencies. Its also come to my attention, which neither of these two accompanies are willing to acknowledge or even discuss XXXX XXXX has a drivers license on file that starts with the Y, However, my drivers license starts with W this is solidified proof that this is a fraud account, but they wont remove it or block it
Product: Credit reporting or other personal consumer reports

EQUIFAX IS NOT RESPONDING TO ANY OF MY DISPUTES AND COPIES OF MY IDENTIFICATION HAS BEEN PROVIDED ON SEVERAL OCASSIONS. SEE ATTACHED COPIES OF DISPUTES THAT HAS BEEN SENT TO EQUIFAX, XXXX AND XXXX. 

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

I WANT ALL OF THESE ACCOUNTS EITHER VERIFIED OR DELETED