23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have received various requests for re-payment on a identified loan wit h Keybank National Association. Unfortunately, the primary borrower h as not been responsive to neither   XXXX   XXXX   recovery program,  Keybank  's collection efforts nor my communications to assume full responsibility in satisfying the loan obligation.   As the cosigner of this loan, I 've been left with little to no recourse in trying to remedy the situation with all parties involved. There were past attempts to try and see if, as a cosigner, I could completely shift the responsibility to the primary borrower. However, I was informed that the loan documents did not have the necessary loan provisions in order to transfer or allow for a cosigner forgiveness.   The situation at hand was originated out of a goodwill to provide hope so that a disadvantaged youth could benefit from the opportunity of going to college, receive an education and ultimately better themselves. As I experience the unfavorable results, I do n't take back my act of kindness, but wish I was in better circumstances to make good on the obligation, regardless of the youth 's success.   Today, the fact of the matter is that I now too find myself in an economic hardship. As a result of unemployment and new initiatives for self-employment, I can not continue to make good on the aforementioned loan. I have inquired into the possibility of some alternative programs for deferment and/or forbearance. After much effort, I have gained little ground in reaching a solution that is fair. It seems that the primary borrow continue to have all the rights to negotiate and do what they see is convenient for them, while I 'm stuck with the obligation of payment with no recourse. In hindsight the loan product seems predatory in design. I have humbly asked if not complete forgiveness, then the possibility of a 50 % settlement on the outstanding balance of the loan, which was denied.   After this ongoing scenario, my credit severely affected by it and it creating a hardship, while I 'm obligated to make monthly payments for the past year, I have been notified by the Loan Administrator -  XXXX , that a  XXXX  interest tax form can not be released to be because of IRS Legal rules. In short, I 'm responsible for paying, but ca n't claim interested on my taxes.   I 've have never felt so vulnerable, hopeless and a victim of predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter via Certified Mail, Return Receipt to Experian regarding three issues with my credit report : an entry from " XXXX/XXXX XXXX XXXX  '' ; an entry from " XXXX XXXX XXXX '' and an inquiry from " XXXX '' ( see attached letter and return receipt ). 

While the XXXX XXXX issue was resolved, the XXXX and XXXX issues were not : ( 1 ) The XXXX account is not mine. The collection account previously associated with this account, from XXXX XXXX XXXX, has already been deleted due to their inability to verify the account. 

( 2 ) The XXXX XXXX inquiry was not authorized. My XX/XX/XXXX letter requested proof that this inquiry was lawfully made, such as " a description of the records reviewed. '' Instead, I received a notice dated XX/XX/XXXX indicating that Experian had verified that both items belong to me, with no accompanying proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX inquiry on XX/XX/XXXX JP Morgan Chase card services inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX
Product: Debt collection

I am writing to express my extreme frustration and anger about the accounts on my credit report that I believe are due to identity theft. I demand that these accounts be removed immediately. The questionable accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my repeated attempts to resolve this issue directly with the creditors and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that there is not enough proof to show that these debts are invalid, and I demand that they be removed from my report immediately. Your fast attention to this matter is not only crucial, but it is also your legal obligation. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Checking or savings account

My husband and I opened a virtual wallet checking account with PNC Bank. My husband could not establish an online account to manage the account online. After spending hours on the phone with customer service and no resolution, we decided to close the account. I called customer service and explained the situation to the representative and requested the {$25.00} fee to close the account be waived. The representative 's manager approved the waiver of the {$25.00} fee. I made sure to clearly confirm I would not be charged any fees for closing the account. They stated that the fee would be reimbursed to me after the account closed by cashier check. It has now been nearly two months and I have not been reimbursed, even after follow-up calls with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
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. 

List of Unauthorized Inquiries : XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX DEPT OF ED - XXXX XX/XX/XXXX - XXXX DEPT OF ED - XXXX XX/XX/XXXXXXXXXX/XX/XXXX - 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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

I contacted Equifax several months ago, regarding their company lowering my credit score after I paid off an account. On today, I saw that my credit score dropped XXXX points, because I have a {$1500.00} dollar balance with payment not due until XX/XX/2022. The credit utilization is 26 %, which is less than the recommended 30 %. Overall, I am utilizing 4 % of my {$40000.00} line of credit that is available. It appear that Equifax, is practicing deceptive business practices. The extreme lowering of my credit score is unethical, and illegal. I have heard that XXXX Americans credit scores, are toyed with in this manner and I hope that this is not the case.
Product: Student loan

My student loan is being reported on my credit report from multiple servicers due to being sold from one financial institution to another and it is showing on my report as if though I have many outstanding student loans loans ... I am disputing as Duplicate reporting of trade lines
Product: Credit reporting

I 've disputed these accounts several times and they keep stating they have verified them even after I sent a debt validation response from the data furnisher stating they have not reported any accounts to any credit bureaus.
Product: Debt collection

MERCHANTS ADJ SERVICE never sent a Debt validation notice to me by mail nor did I receive a forward request of mail from them. MERCHANTS ADJ SERVICE reported to all 3 major credit bureaus a debt I do know nothing about. I have XXXX and XXXX which pays 100 % my claims and when I contacted my insurance they stated all claims are paid and full and that I shouldn't owe any medical company a debt. To told me to file with the federal agencies. So that is why I am filing with the cfpb.
Product: Credit reporting or other personal consumer reports

Equifax continues to report an incorrect balance on my credit report for accounts XXXX XXXX XXXX and XXXX, although I have disputed these accounts as discharged in a XXXX XXXX XXXX I have disputed these two accounts multiple times but Equifax continues reporting the two creditors balances inaccurately on my credit file.
Product: Credit reporting or other personal consumer reports

Ive taken a look at my credit report recently and noticed accounts reporting that I do not recognize or have never had contracts with
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt referenced above. I have reviewed the information provided regarding this account and have identified material discrepancies that require resolution in compliance with applicable federal and state laws.

1. Reporting of Charged-Off Account This account appears to have been charged off by the original creditor. As a charged-off account, it should reflect a {$0.00} balance on my credit report, consistent with the guidelines established by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that credit reporting agencies and furnishers accurately report consumer information. Continuing to report a balance on a charged-off account creates an inaccurate credit record and may constitute a violation of the FCRA. If this account was so
ld to a third party, only the current owner of the debt may report a balance. Please confirm whether the original creditor transferred or sold this account and provide documentation substantiating any such transfer.

2. Non-Issuance of IRS Form 1099-C If the creditor has determined the debt to be uncollectible and reported it as such, Internal Revenue Code ( IRC ) 6050P requires the issuance of Form 1099-C for debts forgiven or discharged in amounts of {$600.00} or more. To date, I have not received a Form 1099-C, raising questions about the accuracy of the creditor 's charge-off status and the legitimacy of any attempt to collect on this account.

3. Validation of Debt Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request comprehensive validation of this debt, including : Proof of the original amount owed, the breakdown of fees and interest, and evidence of the account 's charge-off status.

Documentation showing the chain of ownership, including proof of assignment or sale of the account to your agency, if applicable.

Verification of compliance with state-specific statutes of limitations governing debt collection.

4. Request for Immediate Action In light of the discrepancies outlined above, I demand the following : Immediate cessation of all collection activity until this matter is resolved. Correction of any inaccurate reporting to the credit bureaus regarding the status of this account. If the account is invalid, immediate de
letion of the tradeline from my credit report.

Failure to comply with these requests may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office, as well as pursuing legal remedies under the FCRA and FDCPA. 

I expect a written response to this dispute within 30 days, as required by law.
Product: Credit reporting or other personal consumer reports

The cedit report has in accurate personal information which is not my information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor, BMW Financial has violated my rights. Under 15 usc 1681 section, 602 states I have the right to privacy. Under 15 usc 1681 section 604 a section 2 it also states a consumer reporting agency can not finish an account without my written instructions. Under 15 usc 1666B a creditor may not treat a payment on car payment account under an open consumer credit plan as late for any purchase
Product: Debt collection

I'm planning to sue your company for not correcting the inaccurate information on my credit report, a clear violation of the Fair Credit Reporting Act. Despite numerous requests, you've consistently ignored the law, and this is my final demand before taking legal action in my local county for your non-compliance.
Product: Payday loan

Calling me at work for {$1000.00} in fees
Product: Debt collection

Hunter Warfield, Inc is attempting to collect on debt that is not owed. XXXX in XXXX XXXX claims that I overstayed my lease by not returning the keys on time. I vacated the unit on XX/XX/XXXX, and our lease ended on XX/XX/XXXX. On XX/XX/XXXX, we left the mailbox keys, unit keys, and XXXX fobs inside the unit because we had not received any specific move out instructions from the leasing office. 

XXXX in XXXX XXXX withheld the alleged debt amount from my security deposit that was returned, and it did not affirmatively respond to any communication to recover these funds. Since XXXX in XXXX XXXX was unresponsive, I disputed the amount with my credit card issuer, XXXX XXXX XXXX  ( XXXX ). XXXX in XXXX XXXX could not substantiate this alleged debt, so XXXX ruled in my favor. See attachment XXXX dispute update.pdf. XXXX explains that for its dispute process from a merchant perspective, If you submit proper documentation and successfully challenge the dispute in the necessary timeframe, the disputed funds will be returned to you. ( See attachment XXXX dispute process.pdf. ) XXXX in XXXX XXXX was unable to submit proper documentation for this dispute, so they lost the dispute. In retaliation, they sent this amount to Hunter Warfield. 

In previous complaint XXXX, Hunter Warfield promised to cease contact but did not promise to delete this debt. XXXX in XXXX XXXX was unable to substantiate this debt to a neutral third party, XXXX, and I have provided attachments to that effect. 

Please immediately delete this erroneous debt and continue to cease contact. Any collection activity is illegal. Selling or continuing to hold the debt, which you now know to be illegitimate, is illegal. Reporting it to the any Credit Reporting Agency is illegal. Cease all collection activity, and ensure you do not sell it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX, I have reach out to XXXX XXXX asking if we could defer my payment for this month due to health concerns and also the holidays. The customer representee granted me the deferment for more than the time needed. She had informed me that XXXX XXXX defer payments by 2 months instead of 1. During the duration of my loan I have never been late not once. The representee then mentions there will be one time additional fee added to monthly payment and gave me an option rather if I could pay at the particular moment or when my next bill would be due after the deferment of payments. I agreed to the one time additional fee and mention to the representee I will make the payment either before or day after. She then mentions there is a form I need to sign in order to start the deferment process and upon signing I must use a pin code to open the document. The document was signed and afterwards XXXX XXXX reports to the credit bureaus of the status of my account how my monthly payments were deferred. I then assumed then everything was taken care and I wont receive a late payment on my credit report. After XXXX XXXX noted on my credit report about the deferment of my payments, I then paid the one time fee XXXX because it was convenient to pay the fee now instead of paying my agreed monthly car note of {$500.00} and {$210.00} together at once despite given the option to pay the one time fee upon my due bill date. 
I contacted XXXX XXXX  after seeing the late payment on my credit report. The customer representee then noted on my account about the removal of the late payment however its still being reported 30 days later. I am in the process of buying a house and this reporting has lowered my credit score dramatically. I have followed all that was required of me and I shouldn't have gotten a reporting of a late payment based off what was told to me from the customer representative on the day of requesting deferment of payments.
Product: Vehicle loan or lease

My husband had recently bought a XXXX XXXX XXXX for me to use XXXX XXXX took him for the loan. We gave a XXXX XXXX XXXX trade in and XXXX $ cash we paid 16 payments not one was late. He recently became a legal resident and we where told by our lawyer to report all the changes to social security, any financial places we owe money to to be transferred to his new social security and irs. So we did we contacting XXXX XXXX they changed all the information. We contacted safe one they werent able to since the XXXX XXXX was bought through them. There is XXXX XXXX I think he bought his truck here also and they couldnt change it eather. On XXXX XXXX XXXX XXXX repossessed the XXXX XXXX while I was at work. We thought someone stole it I called the police they told me no the financing company repossessed it. So we had to wait till Monday come Monday we contacted TD so they could tell us that my husband had gave information that didnt pertain to him. His elegal social security that irs gave us an itin number to use for it. So we where left without a car and he asked what is going to happen with everything we gave in for the car and the car payments they said you loose it. I know so many people this has happened to them and everything has been changed for them because we are trying to fix our wrong but i know that this happens to a lot of people too its not right. We are fixing our lifes and so big corporations can just keep our money??? I dont know what else to say I think this should not be happening to no one there should be some kind of protection for customers who want to buy things like this and then they just get taken for XXXX $ dollars later.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY SEVERAL DATA BREACHES. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. THIS ACT VIOLATES 18 U.S.C. 1029, WHICH PROHIBITS THE UNAUTHORIZED USE OR POSSESSION OF ACCESS DEVICES WITH INTENT TO DEFRAUD. REPORTING INFORMATION THAT IS KNOWN TO HAVE ERROR IS A DIRECT VIOLATION OF 15 USC 1681S-2. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX
Product: Credit reporting or other personal consumer reports

o Whom It May Concern, I am submitting a formal complaint against TransUnion for their failure to appropriately investigate my dispute regarding an inaccurate XXXX account on my credit report. Despite my submission of a formal dispute, TransUnion has failed to conduct a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i, which mandates a reasonable reinvestigation of disputed information. 

XXXX is falsely reporting that I owe a balance of {$2500.00}, including alleged charges for non-returned equipment. This information is entirely inaccurate. I have made multiple attempts to resolve this issue directly with XXXX and XXXX XXXX XXXX XXXX, the collection agency involved, yet TransUnion continues to report this erroneous balance without properly verifying its validity. 

TransUnion 's failure to meet its legal obligations under the FCRA has caused undue harm to my credit profile. I request the CFPB to investigate TransUnion 's handling of this dispute and to ensure compliance with federal regulations requiring accurate and fair reporting practices. 

I have attached supporting documents detailing my disputes and correspondence with TransUnion, XXXX, and the collection agency. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting

There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX assistance XXXX total, XXXX XXXX XXXX total, XXXX accounts through XXXX XXXX. Please help as this agency is not complying
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. 
Below are the errors I have identified : MB FIN SVCS XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.