23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX of 2016, I have a derogatory mark from XXXX XXXX for {$250.00}. I told them I was going to cancel my service and they said it was fine. After I ended my service, they kept charging me for even more months after I have cancelled my service with them. 

I contacted them and they said the only thing I could do is just pay it off. I do not want to pay for months I didn't use their service for.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : XXXX This account was sold to a collection agency, and I request that you update the credit report to reflect the proper status of this account. The account should not be listed as " open '' if the debt has been transferred to a third-party collector. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, and I believe the current reporting is incorrect. 

I request that you investigate this matter and correct the account status to reflect the following : The account should be marked as " sold '' or " transferred to collections '' rather than remaining open. 
The collection agency should be reporting the debt separately. 
If you are unable to verify this account or its status, I request that it be removed from my credit report. 

Please notify me once the investigation is complete and the necessary corrections have been made. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have XXXX loans of varying interest rates through EdFinancial. On XXXX XXXX, XXXX, I refinanced my student loan through XXXX. A payment of {$31000.00} was paid on XX/XX/XXXX ( the complete balance of all loans ). After it was credited to my account, I found out it was only applied to XXXX loan ( XXXX XXXX XXXX - XXXX ), leaving me with a balance of {$26000.00} still owed across the XXXX remaining loans. Additionally, on XXXX XXXX, EdFinancial took {$140.00} from my bank account as they believed I still owed them a monthly payment. I've repeatedly called EdFinancial to explain the situation and to ask them to a ) apply the payment of {$31000.00} to all XXXX remaining loans ; and b ) to refund me the {$140.00}. I have called every month since XXXX, and I called twice in XXXX, and each time, they say they are working to process the payment. It's now been almost XXXX months, and my account is still saying I am past due in payment, and it's also reflected on my credit report. But each time I call, they refuse me anything in writing to confirm they are processing, and I'm now also on the line for a monthly payment to XXXX. Please note, I have XXXX recording of me calling someone at EdFinancial in which they explain I " don't have to worry '' and that the payment will be applied. That was said in XXXX... 

On Tuesday, XX/XX/XXXX, I called once again to see what the status of my account is since it was still saying XXXX XXXX. The woman I spoke to said I needed to provide proof of payment. I said, Well, if you look on my account record, it shows a payment of {$31000.00}. And she replied, We need a bank statement showing that the amount actually came out of your bank account. I said, Well, the loan was refinanced by XXXX, so I cant show you my bank statement showing I made the payment. And she said that until I could prove that I made the payment, she cant help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I incurred an inaccurate 30 day late payment in my credit report XX/XX/2021. I have contacted all three credit bureaus and XXXX. After 4 months in XXXX the creditor finally contacted me via secure message to tell me that it is incorrect and they would be removing it. I disputed it with all three credit bureaus and included the secure message. The concluded the disputes and did not remove the late payment. This inaccuracy has caused me not to be able to get any loans or build my credit. My next step after this will be suing. I am at a loss and this is wreaking havoc on my ability to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$47.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$38.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$34.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX ) XXXX Balance : {$45.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$36.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$38.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$47.00} XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$38.00} XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$38.00} XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$38.00} XXXX ( Original XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$39.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$38.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$38.00}
Product: Mortgage

XXXX XXXX a Veteran an and myself bought home at XXXX XXXX XXXX XXXX XXXX TN XXXX WE REQUESTED THE FULL360 forbearance in XXXX XXXX the house has been put on auction four times in violation of cares act. TMS ALSO sent bill for all arrearages. THEY REFUSE TO GIVE FORBEARANCE FOR 360 period. 

House on saleXXXX XXXX XXXX XXXXXXXX AND XXXX LIES ABOUT RIGHTS  AMD LAW WE DEMAND FULL 360z
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID theft and would like the CRA 's remove the inaccurate information from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXA ; acct # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Disputing error [ XXXX ] on credit report Dear XXXX XXXX, I am writing to request a correction of the following information that appears on XXXX XXXX, XXXX, & XXXX XXXX report : Credit report information to identify account status : XXXX XXXX XXXX XXXX XXXX ; acct # XXXX Dates associated with item being disputed : FROM XX/XX/XXXX until XX/XX/XXXX. 

Explanation of item being disputed : Due to the conversations my insurance XXXX and auto loan agent refused to hold regarding my insurance XXXX at the time of the accident, that claim was reported totaled, ensured that a timely payment of loan amounts due would be included in insurance claim. Representatives from insurer was not precise and accurate with responsibility to maintain timely payments. This lack of communication resulted in the reporting of payments late, and subsequently charged off ; when the account should have been listed as, " XXXX ACCOUNT, '' after deferment contingencies were not offered, even after insurance XXXX submitted reports. 
- The report shows proof your company that have already been repaid. 
- The date of next reporting cycle on my report will reflect XXXX years from the time of initial defer request of totaled vehicle. 
- Since having this automobile disaster, I have had costly ( financially, and non-financially & economically ) expenses to secure proper transportation and the associated fees of acquiring, registering, and insuring transportation. 
- This circumstance started a web of circumstances affecting my credit worthiness, standing, and creditability. The information needs to be accurate and updated. 

Please ensure the accuracy of this situation is recorded and reflected on all personal and business credit reporting bureaus. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

Within the last 4 months, an account with XXXX XXXX XXXX XXXX XXXX ) was opened by my mother. She was approached by someone at the supermarket advertising XXXX and who offered her a lower rate to enroll me as the account holder. 

My mother is XXXX and not adept with technology. She was quickly frustrated with the attempt to use the new equipment XXXX XXXX XXXX XXXX XXXX ) and immediately called to cancel the service and to arrange to return the new equipment. 

XXXX  continued to contact me about the account and we called them utilizing her account in order to address the issue. My account was closed and customer service notes were supposed to have been made on my account and hers noting that she was retaining her account at the address and closing mine, which was not active for even a month. 

The equipment provided for my account was not used longer than an hour tops, most of which was the time for me to set up the account. Because of this reason and the fact my mother is a long time customer of XXXX ( previously XXXX XXXX, since XXXX ), any payment was waived or so we were told by the customer support agent. 

Yesterday, while doing a routine check of my credit report, I noticed a collection amount on my XXXX credit report from XXXX XXXX XXXX, in the amount t of {$150.00}. The date for the debt was XX/XX/year>. No attempts by either XXXX or this collection agency were made at time of writing to collect on this debt or to verify its validity with me. 

This negative entry on my credit report XXXX have prevented me from being approved by XXXX XXXX XXXX XXXX for XXXX XXXX XXXX, which would have allowed me to pay off my credit card debt and improve my XXXX XXXX. 

Had we been told months prior that we would be required to pay some termination fee, my family would have paid it. My mothers payment history with XXXX is impeccable. Her account is under the name XXXX XXXX, at the same address as myself ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ). 

Whether it was an error on the part of XXXX XXXX XXXX XXXX XXXX a failure of the customer service representative handling my mothers account and mine is irrelevant. I dispute this debt as I do not believe it to be valid. The account was opened for a brief time closed almost as quickly, with the equipment returned to a physical XXXX location in XXXX, XXXX 

Having called the company today, a dispute was opened under reference number XXXX. Prior to opening this dispute, it was noted that no customer service notes were found on my account. This is an omission that likely led to debt collection action being erroneously taken against me. 

I would greatly appreciate the help of the CFPB in sorting out this situation. As for XXXX XXXX XXXX XXXX and the XXXX credit bureaus, I would greatly appreciate the support of the CFPB and XXXX XXXX XXXX XXXX XXXX the situation and clearing my name of this debt. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX number : XXXX XXXX XXXX number:XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

They say that they investigated with XXXX and it was the same person. I have documentation to show that the Social Security number on the original debt to XXXX is not my social security number. 

They say they are investigating. But they cant with the documentation that proves it is not mine. Same name but Social Security number should be what this is governed by not a persons name.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the XXXX Department of Education and its loan servicer, XXXX, regarding my fraudulent federal student loan from XXXX XXXX XXXX and the Department XXXXf Educations failure to act on my discharge request.

I submitted a Borrower Defense to Repayment ( BDTR ) claim on XX/XX/XXXX due to XXXX XXXX XXXX predatory lending practices and fraudulent misrepresentation, which were legally acknowledged in previous settlements against the school. However, despite this claim, I have received no response, and my loan remains on my credit report with negative marks, including late paymentswhich should not exist. 

Additionally, my loan has been in deferment since XX/XX/XXXX, meaning no payments were due during this period. Despite this, XXXX has continued to report late payments, which is both factually incorrect and a violation of federal regulations. 

What I Want to Be Resolved : Immediate discharge of my XXXX XXXX XXXX student loan, in accordance with Borrower Defense to Repayment provisions.

Immediate removal of all late payments from my credit report, as my loan was in deferment since XX/XX/XXXX, and no payments were legally required. 
Official confirmation of my loan discharge and credit correction from the Department of Education and XXXX. 
Legal Basis for This Complaint : Higher Education Act ( 20 U.S.C. 1087e ( h ) ) Borrower Defense allows loan cancellation for students defrauded by schools.

15 U.S.C. 1681s-2 ( a ) ( FCRA ) Late payments reported on a deferred loan are inaccurate and must be removed. 
XXXX XXXX XXXX Deferment Policies Servicers can not report late payments while a loan is in deferment. 
The Department of Education and XXXX are in violation of federal law by failing to act on my discharge request while continuing to report inaccurate negative information to credit bureaus. I request immediate CFPB intervention to ensure compliance and corrective action.
Product: Debt collection

I had a personal and business checking account with XXXX bank and what they did was allowing companies to take money out of my accounts that was not there. The companies that XXXX allowed to do this bounced the accounts for fee 's and payments because they knew XXXX bank would pay because of their reputation. All of this was done electronically but not on my behalf. XXXX bank was notified of this and they did not to correct this errors on behalf of individual companies who did this maliciously and purposely with cruel intent on my behalf they did not protect me as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX authorized user account appearing on my credit report from Equifax. I have disputed this account numerous times, yet it is still appearing and causing my score to drop by a great deal because the account is a charge off. This account DOES NOT belong to me. This has been going on for over a year. XXXX XXXX reported the account as recently as XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

how are you reporting XXXX collections for the same account when i have XXXX? 
see attached.
Product: Money transfer, virtual currency, or money service

My new boss sends me a Cashiers check Monday XX/XX/XXXX telling me to deposit in my account. I deposited the check and she was very suspicious about it, asking me if imthe check cleared every 5 minutes. I called Chase bank customer service and spoke with a person in XXXX to double check that everything was right with the check. My understanding is that if something is wrong with the check, the bank is the only entity that can tell me whats going on. I tell her the story and that I thought it was a fake check and she said youre fine cause the check cleared and it was a cashiers check. In order to have one of those you have to pay cash so youre fine that was at XXXX Tuesday morning. At XXXX my boss tells me to withdraw XXXX and deposited in a XXXX XXXX account to pay for some bills, since the bank told me that everything was fine I did it and I said to myself youre probably overreacting, the bank already told you that it was fine after that she asked the for a {$200.00} XXXX XXXX and I sent it as well. By XXXX my account was negative {$3400.00} ( the amount of the check was {$3900.00} ) I called my boss and she blocked me. When I called the bank they told me that it was my fault that I should be more careful next time. I filled a complaint at the police department and called the Chae complaint department yesterday and honestly, no one really helped.The last person told me I was a scam victim and that she was sorry for the misunderstanding with the customer service rep but I needed to pay that amount by XX/XX/XXXX cause after that a debt collector was going to contact me. In conclusion, I called the bank before doing everything else, the rep told me that it was okay. When it comes to my Chase account I only trust Chase customer service. I dont work for them, they should know better!! I need them to find that conversation and deal with the situation. A miscommunication in that magnitude ruined my life basically. Now I owe almost {$4000.00} that obviously I dont have just because I trusted a Chase customer representative that didnt know what she was saying/ doing. Im really disappointed and a little scared of the situation. And at this point I believe theyre not going to help me get to the bottom of this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX This letter will notify XXXX that the following companies placed unauthorized inquiries on my credit report on XX/XX/XXXX. 

I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I initiated this inquiry Either provide me with strict proof or DELETE the item immediately. I will take legal action if you do not delete the inquiry in 15 days.

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter.

Suppose you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization. In that case, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
The following companies placed unauthorized inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

On XX/XX/year>, I bought a lamp that was never deliver. I open a dispute immediately since that I have been month discussing the dispute with Citi bank because they resolved the issue on my behave but they continue to reverse the credit. {$1400.00} credit from XX/XX/XXXX was reversed again on XXXX. I will not pay for goods that were not delivered, especially since I have provided proof of this. I requested an audit to be sent to me a month ago, but I have yet to receive it. If Citicard affects my credit, I will escalate this matter further. This issue requires urgent attention. Despite calling every week, the audit promised by Citibank has not been sent to me. I am growing increasingly weary of this situation.