23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loan account has been over credited with a double payment since XX/XX/year>. My online account shows a total payment of XXXX on XX/XX/year> but my bank account was only debited for half that, XXXX. This has now incorrectly reduced my monthly payment amount. I've tried calling multiple times to get this sorted out but I've either been told they would fix it ( they didn't ) or that I'd have to speak to a different customer service agent ( I haven't been able to ). This is absurd, I've called them 4 times now to get this sorted out and nothing ever happens. This is the worst company I've ever had to deal with. They have also had multiple issues with account transitions and auto payment. This feels like purposeful negligence in order XXXX XXXX XXXX XXXX. There is zero choice of in loan service provide so they have a completely captive customer base.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan for over 7 years and for over 7 years I have NEVER SEEN MY REPORT WITH 16 OUTSTANDING LATE PAYMENTS because I always handle whatever the company needed from me before tax time. Now the debt has been closed and given to the government to pay I asked several times, trough a goodwill letter to remove the bad remarks from my profile and stop reporting the account inaccurately and wrongfully. The account has been closed since XXXX of XXXX but the reports of bad payment started XXXX of XXXX up until now XXXX of XXXX that's 14 late payments wrongfully on my report. Please remove this I have closed the debt to move and this is putting even more hardship on me during the pandemic
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX XXXX XXXX and also reached out to Equifax about my concerns about the following account which is XXXX XXXX XXXX XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE
Product: Checking or savings account

M & T bank aquired Peoples United bank where I hold several accounts. My access was denied from XXXX through XX/XX/2022 for the merger to take place. Since then I have not been able to access my checking account for online banking. I have attempted to call the bank and have not been able to get through. I have sat on the phone for hours. I also wrote to them and went into a branch. They have not replied to my online message and the branch manager said they can't do anything to help. They suggested that I keep calling and be patient. Meanwhile I can't pay my bills. M & T should not be allowed to function as a chartered bank.
Product: Debt collection

This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401. This company has stolen my identity unlawfully and is trying to extort money from me. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with EASTERN ACCOUNT SYSTEM INC. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). EASTERN ACCOUNT SYSTEM INC can not and will not ever produce a contract between me XXXX XXXX and EASTERN ACCOUNT SYSTEM INC because that contract does not exist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am hereby requesting all above disclosures required by Federal. 

Yours Truly XXXX, XXXX ( All Rights Reserved )
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 U.S.C. 1681e ( b ) Compliance and procedures. 

( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning their individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signatures on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Creditor Name : XXXX XXXX XXXX Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED from my XXXX and TransUnion Credit report and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed above. 

I demand that the following be validated or DELETED immediately. 

In addition, DELETE all non-account holding inquiries over 30 days old. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation/ Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/22 I received a notice on my credit report that Creditor Aldous & Associates added a derogatory mark to my credit report. I had no idea ny company was out to collect a past debt. I received no documentation of the debt from Aldous & Associates nor had any communication until this point.
Product: Student loan

I started making student loan payments to Navient on XX/XX/XXXX by the amount of {$87.00}. This amount was the repayment plan that was provided by Navient. The amount was an automated payment from my checking account. I've been paying that amount for almost 7 years. Last month XX/XX/XXXX, I received a letter saying that they did an audit and found that I need to start making bigger payments to meet the payoff date of XX/XX/XXXX. The new amount will be {$190.00}. This is more than double the amount I was paying for the past 7 years. I called to find out more information and see if I did something wrong. I talked to the first representative and her supervisor and they both said the same thing. They performed an audit and found that my payment needed to be increased. For the past 7 years I was making payments that they told me to make. What ever information they had to calculate the repayment plan did not change. If a mistake was made on their part, they should have found out sooner, not 7 years later. If they found out earlier, I would understand my payment increasing by a little bit. But since the mistake was found 7 years later, it ballooned my payment to more than double. I don't think this is fair and this large amount will be a burden on my family financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Co account # XXXX, and account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

On XX/XX/year> I received a Barclays JetBlue credit card in the mail that I did not apply for. I immediately called the telephone number to report this and was told that they had closed the account down for fraud and reported it to their security investigation unit and labeled it as fraudulent they said that the account was closed and I should get a letter from the investigator, anywhere between XXXX days up to XXXX weeks I didnt receive another letter, but they assured me at the time that the account was closed. They did not say if the account was used if there was a balance nothing I did not receive any other communication from Barclays then I received a letter which is dated XX/XX/XXXX that I had enrolled in paperless statements which I did not because to my knowledge the account was closed, I called immediately and was told that they did complete an investigation and it Was determined that it was not a fraudulent account and that the card was used in XXXX for a flight. They would not give me any further information they said they would open it back up to the investigators, which is obviously not a resolution. I was victim of identity theft that I had no idea was even transpiring. This was one of three attempts to open a credit card. I had put fraud alerts on my credit after this happened in XXXX I also received a letter from a health insurance company that I was part of a breach back in XXXX that I assume maybe was where my information was sold to try to open these accounts but Barclays did not to my knowledge did not close my account if Im still getting correspondence in regards to this account I want to ensure that this is in fact flagged as a fraudulent account. I want all if any balances or reporting that were made on my credit report removed because it was fraud, and I want everything in writing from Barclays. In my opinion, it should be easy to identify it. It was not me who opened the account because I clearly did not fly anywhere on the dates theyre saying, and I dont understand how that wouldnt be something that would be easy to investigate, whereas you cant fly without identification, and I can prove where I have been and I know for a fact, I was not on a flights During the time theyre saying have I flown JetBlue recently
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, I the consumer is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. The reported information published on my consumer report for account # XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed. This is also a violation of 15 USC 1681 ( 2 ) ( a ) i. This report contains information solely as to transactions or experiences between I, the consumer and the person making the reportXXXX XXXX  created the report.Notice, it is a fact, affiant is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I was not given the chance to opt-out of having this reported information about Account XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed.
Product: Credit reporting or other personal consumer reports

CFPB Dispute Letter 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 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  submit this dispute regarding XXXX, Equifax, and XXXX 's failure to conduct internal investigations and verify information accuracy. 
Dispute Basis : Failure to conduct independent investigations ( 15 USC 611 ( a ) ( 1 ) ).

Bias and partiality towards XXXX. 
Lack of documentation and evidence. 
Request for Documents and Information : Pursuant to 15 USC 611 ( a ) ( 1 ) and 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request : Name and contact information of the real living person from each agency who personally investigated this item. 
Documentation obtained and used during the investigation. 
Names of individuals personally spoken to regarding this matter. 
Methodology used to arrive at the determination. 
Proof of internal investigation procedures. 
Copy of the original agreement signed by both parties. 
Investigator Information : I require details about the investigator, including : Full name.

Title.

Contact information.

Dates of investigation.

Investigation Details : Please provide : List of documents reviewed. 
Interviews conducted. 
Evidence considered. 
Timeline : I expect to receive the requested information within 5 days of this request.

Investigation Requirements : No investigation can be complete or verified without : My inclusion and input.

A copy of the original agreement signed by both parties. 
Previous Requests : I have previously requested the original signed agreement from XXXX, but have not received it. 
Remedial Action Requested : Conduct thorough, independent investigations. 
Delete inaccurate, incomplete information from my credit reports. 
Provide documentation supporting internal investigation findings. 
Supporting Law : 15 USC 611 ( a ) ( 1 ) - Investigation requirements.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) - Verification of debt.

FCRA Section 611 ( a ) ( 2 ) - Verification of debt. 
Contact Information : 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

This account With XXXX XXXX XXXX XXXX was charged off in XX/XX/XXXX. They Have been updating this account with negative and positive payment history. The latest update was XX/XX/XXXX. I have NOT made a payment on this account since XX/XX/XXXX. this why the account was closed and charged off. 

They are illegally Re-aging this account on my Credit Report. This is affecting my credit score in a negative way. Which is a CLEAR violation of the XXXX XXXX XXXX XXXX. They are updating my account as if it is still open. I've contacted this company they where rude and unhelpful. I'v also disputed this account with all XXXX Credit Bureau XXXX XXXX They Did nothing as well. 

I hope this get this problem solved thank you
Product: Credit card

I've always made sure that payments on this account are made on time and not allowed to become overdue. I'm unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error should be corrected.
Product: Credit card or prepaid card

I received a Go Program VISA Debit card from the state of ND in XXXX or XXXX of XXXX when I started unemployment ( effective XX/XX/XXXX ). Once my claim went through, the card worked fine and I had no issues. I went off unemployment near the end of XXXX, XXXX. 
On XX/XX/XXXX, I went back on unemployment, instead of using the existing Go Program VISA Debit card, I was issued a new card. Now, when I log into my account on the Go Program website ( www.goprogram.com ), I'm not able to see my current balance or make transfers. It appears as though my online account is associated with the old card and there's no apparent way to change it or add the new card. 
I've called Go Program customer service ( XXXX ) three or four times with no results. Each representative I've spoken with does not speak English as a first language and has had a difficult time understanding my problem. When the light bulb finally goes off, they say it's an easy fix and put me on hold. After holding for what seems eternity, they come back and say that they can not fix the problem but that someone who can will call me back within 48 hours to a week. I've never received a call back. This is the worst customer service I have ever experienced and is unacceptable. 
Please look into this issue so that others after me do not have to suffer through a similar experience. 
Thank you. 
XXXX XXXX XXXX
Product: Student loan

I am distressed that you have included DEPT OF ED/NELNET XXXX information in my credit profile on and that XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. 


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

In accordance with the Fair Credit Reporting act these accounts has violated my rights. Please see below : XXXX MORTGAGE XXXX XXXX, I was never 30 days late in XX/XX/XXXX or XX/XX/XXXX. The other bureaus have me listed as, Paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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. 

NAME - ACCOUNT NUMBER XXXX - # XXXX XXXX  XXXX - # XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  - # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX - # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> 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 generallf, 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: Vehicle loan or lease

in XX/XX/XXXX I am attracted by work downtime calamities, going through a financial downturn in XX/XX/XXXX I request a request for forgiveness so as not to pay for the coming months 2 months I speak with the bank regions which the operator tells me that if I qualify for forgiveness and sent via email with the form, which was sent by me and I had no contact with them through email, I continue to send my monthly payments and in XX/XX/XXXX I find out the receipts that appear 2 months to pay which I hear that the letter of forgiveness was incomplete because the reason was not included in writing within the application, Now it appears to me reported in my credit record the 6 months as if I were trapped 30 days for each month ... that totally lowered my score which I am requesting a line of credit and I find out that all those months affected me totally having fulfilled their requests I need that please take into account the documents that demonstrate the fulfillment It is not good for me to report because of a communication error and not lack of payment or request from my partner.