23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute the recent credit reporting drop of XXXX points by TransUnion for the simple fact of them adding my student loans ( U.S. Department of Education ( ESC ) to my credit report unexplained drop in my credit score. 

On XX/XX/XXXX, TransUnion added several accounts from the U.S. Department of Education ( ESC ) to my credit report and automatically dropped my credit by XXXX points. These accounts, which are student loans, had already been accurately reported by other credit bureaus and are all in good standing. Despite this, the addition of these accounts caused my credit score to drop by XXXX points. 

This reduction in my score is both concerning and unjustified, as adding accounts in good standing should not negatively impact my creditworthiness. To clarify the matter, I contacted the U.S. Department of Education ( ESC ), who confirmed that the accounts were properly reported and that they see no reason why their addition to TransUnion 's records would result in such a significant drop in my score given the accounts have always been in good standing.. 

I have attached supporting documentation, including : -Details of the accounts in question. 
-Evidence of their good standing. 
-A comparison of credit reports from other bureaus where these accounts were already reported without any negative impact. 

This situation is highly detrimental, as an unwarranted drop in my credit score affects my ability to access credit and can have long-term financial consequences. I respectfully request that TransUnion review this issue, correct any errors, and restore my credit score to reflect the accurate and positive standing of these accounts. 

I look forward to your prompt resolution of this matter. Please feel free to contact me directly if you require further information or documentation.
Product: Credit card or prepaid card

I have purchases on my credit card from a trip I made to XXXX, XXXX back in XXXX of XXXX. I reported the problems to Wells Fargo immediately and they cancelled my credit card and sent me a new one. They credited me for the charges after I reported them as fraud. Within XXXX weeks, they charged me back for those transactions and told me that the chip was used on the card. I know that I did not use the card for those purchases. In fact, one of the businesses called " XXXX XXXX '' is not a " real '' business. They have no store front and I ca n't find them on the web. Wells Fargo has not been able to tell me who they are or how to reach them. Here are the purchases shown on my VISA that I did not make : XXXX {$110.00} XXXX XXXX {$100.00} XXXX XXXX {$72.00} XXXX XXXX Since XXXX, I have been back and forth with the Wells Fargo Fraud Department, the Dispute Department, and the Executive Team. I have talked to over 10+ agents between those departments and no one has done anything to assist me. Honestly, I do not believe that they chip was used but that is what they are telling me. I asked them to prove that to me but they have n't. In addition, I asked Wells Fargo to contact the merchants to give us copies of the receipts. They told me that process takes 30 days and we conducted that " process '' during the time period of XXXX XXXX to XXXX XXXX and the merchants did not respond to Wells Fargo attempts. After that 30 day process, Wells Fargo told me that I could enter into an arbitration period. However, everyone I talk to now tells me that " if '' the chip was used ... .and the merchant does n't respond to Wells Fargo 's requests for a receipt, then the customer is still responsible for the charges. They are not willing to allow me to enter an arbitration process. I do n't know what to do but feel as though I need to hire an attorney to represent me as Wells Fargo does n't care about me or my problem and has wasted a lot of my time between calls to find someone there that can help me. I did not make these purchases ... .nor do I believe that my credit card was swiped at these businesses. In addition, the 2 merchants did not respond to Wells Fargo and no one has shown me any receipts of the transactions. In the meantime, Wells Fargo is continuing to bill me for these purchases AND bill me interest for them as well. I need to understand my rights and what steps I need to take now as I 'm not getting anywhere with Wells Fargo at this point. Please let me know what I can do to help myself as Wells Fargo is not offering me any assistance at this point.
Product: Debt collection

1st I mailed a letter to this company ( see attached ), and then I submitted a complaint on XX/XX/XXXX, through this website. On XX/XX/XXXX the company responded that they purchased my debt as a third party, however, I provided feedback to the company, requesting proof of purchasing agreement from the original creditor to your agency. The discrepancy that I have is that the original creditor has used my acct as a " charge off '', meaning they forgive part or all of the balance through their expense reports and/or tax records. Therefore, when it is sold to their agency, I may or may not be responsible for amounts that have been considered " Charged off ''. The company has not provided this information to me through any form of communications.
Product: Payday loan, title loan, or personal loan

I have been trying to reach someone at XXXX Align in response to paying off my loan with them. Their billing department appears to be non-existent. I can not find a way to payout the loan in full online, nor can I reach anyone via email or via phone. It goes to a voicemail and the email is not responded to.
Product: Credit reporting

I have written countless emails and sent faxes requesting TransUnion to fix my address over the past 2 months. During a conversation on XXXX XXXX with, XXXX XXXX, I was told that the address was fixed but it still appears incorrectly and is preventing me from monitoring my credit with my preferred monitoring service. I have TransUnion monitoring service and it is incorrect in that service as well. My address should read : XXXX XXXX XXXX, XXXX, MD XXXX. Transition has address listed as : XXXX XXXX XXXX XXXX, XXXX, MD XXXX because I was forced to place numbers before the address in the online dispute form. Please fix the address so that it appears correctly for monitoring purposes with TransUnion, XXXX XXXX, XXXX, etc. 

I was told in writing by TransUnion that it was the law to allow anyone to pull my credit and I have no defense against random pulling of my credit report. I was notified in writing by TransUnion that my credit file is basically public record and anyone may pull the file without my permission or knowledge. TransUnion has their own interpretation of the legislation that governs credit files and the sometimes sensitive information it houses. I do not agree with anyone at anytime being allowed to pull my credit without my permission or knowledge nor is it legal or permissible under the FCRA. I am requesting again with for the XXXX XXXX inquiries to be removed from my credit report. Please see attached for supporting documentation from XXXX XXXX.
Product: Debt collection

On or about XXXX XXXX I received a phone call from a place called XXXX whose name may have been changed or otherwise to XXXX or XXXX XXXX XXXX Possibly Called XXXX XXXX As Well. They called family and myself making threats if I didnt make a payment then they would proceed with actions within the laws of my state regarding an Ace Cash Express pay day loan. I had been paying on this loan and the place was just XXXX. Ace Cash express never called me or wrote me any communication and simply said pay when you can. The Debt collection agency also never sent me any written letter or otherwise concerning this debt. This situation caused me anxiety, nightmares and a health scare due to the stress I endured. They called from XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A friend of mine went to Santander Bank in XXXX XXXX for a bank check. What happened to me in past with bank check fees infuriates me. My friend told me XXXX, a teller waived bank check fee as self payable reason as bank policy. In the past XXXX only waived the fee once as courtesy as doing a huge " favor " for her customers like me.
Product: Credit card

I received an email on XX/XX/year> at XXXX EST from Capital One that I had updated my phone number. I then received another email immediately after that I had been approved for a Capital One Business credit card. I have no relationship with Capital One and did not request this card.

Approximately one hour later, I contacted Capital One via telephone to try and understand why I had received the email. They were able to find the account from the information I provided. They froze the account and told me they would open an investigation into how the account was opened.
Product: Debt collection

Subject : Formal Complaint against LVNV Funding LLC To Whom It May Concern, I am writing to formally dispute and bring to your attention of LVNV Funding LLC egregious violations of consumer protection laws, specifically 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s2 ( 7 ) ( A ). 
Upon my attention to reviewing my credit report LVNV Funding LLC placed several collections on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 
Upon reviewing my credit report, I have identified discrepancies that directly contravene the aforementioned statutes. The inaccuracies from the collection agency are violating my consumer rights by using false misleading, misrepresentation, and deceptive means. Im requesting the purchase agreement between the debt collector and original debtor. As well Im also demanding a request to furnish proof that you are licensed and bonded. 
These violations have caused significant harm to my creditworthiness and financial standing. As per the regulations outlined in the consumer protection laws, I request that you promptly investigate these discrepancies and take appropriate actions to rectify them. 
According to the date on my consumer report indicating that I opened an account with LVNV Funding is blatantly false. I neither received any services or products from LVNV Funding LLC into any contractual agreement with them. This information tarnishes my credit history and infringes upon my consumer rights.

Under 12 CFR 1006.34 ( d ) collection agency has no authority to furnish any account to a consumer reporting agency without providing all disclosures required by law, and they are in clear violation, I am entitled to a timely and thorough investigation of my dispute. I expect that you will adhere to this requirement and provide me with updates regarding the progress of your investigation within the legally mandated 30-45 days timeframe.

Furthermore, under 15 USC 1681-s2 ( 7 ) ( A ), I reserve the right to pursue legal remedies for any failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Im formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

I hereby declare my revocation of all communication channels with LVNV Funding, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
Thank you for your prompt attention to this matter. I anticipate a swift resolution. Please keep me informed about the progress of this complaint.
Product: Checking or savings account

Im filing a complaint against Navy Federal credit union regarding overdraft fees, I have incurred. Despite having sufficient funds when transaction was authorized I was charged due to lagging posting of credit and charges. This issue aligns with the current CFPB findings against Navy Federal for similar practices where transactions were settled with insufficient funds I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money was taken out of my account on different occasions. Once there was a transaction of XXXX dollars taken from me through t bitcoin. Also charging my account an I was not able to contact any live agent. I had to speak with some fake phony a gave them all my information, which I believe they used it for illegal purposes.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated : XXXX XXXX XXXX XXXX. The inaccuracies are highly injurious to my credit score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied on XXXX  for a credit card that says it will not affect your credit and only do a soft pull not a hard inquiry. The card lives in your wallet however its issued XXXX XXXX XXXX 

In the agreement it says you have to accept the card before they do a hard inquiry. I never accepted or was offered the oopourtunity to accept by email, phone, or any kind of XXXX XXXX XXXX told me they agreed and on XX/XX/2023 today theory would tell the credit bureaus thatbIn did not accept the card there for they cancelled the card and agreed. 2 days ago I received an email from XXXX XXXX saying after they didc their research just the applying counted as accepting the card. Please visit the XXXX  site or I can send pictures with both the statement about no affect to my XXXX XXXX and that I had to accept the card before they would do a hard inquiry which they didn't. I DID NOT ACCEPT ANYTHING
Product: Checking or savings account

I am requesting to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven in XXXX of XXXX. As of XX/XX/XXXX, my credit report did not show this. I contacted Mohela and XXXX to ask that it show paid in full closed. XXXX responded by showing the original loan amount as paid but left what appears as interest still owed on the account. I have not been informed by any agency that loan interest was still due. It is my understanding that the whole of the loan is forgiven. 

In the summary of my credit report, XXXX still shows that I owe the full loan amount. 



I would like my credit report to correct this issue on my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$82.00} Opened : XX/XX/year> Re : Fraud/Aggravated Identity Theft I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you, XXXX XXXX XXXX , is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. 

XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX XXXX XXXX, is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.

This is a notice to CEASE and DESIST of illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for the accounts opened XX/XX/year>. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you, XXXX XXXX XXXX, into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud.

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 

Warm Regards, XXXX XXXX XXXX Without Prejudice All Natural Rights Reserved
Product: Debt collection

This medical bill was place into collection prior to me even having the chance to submit my medial insurance. Once I still tried to have my insurance added they denied me the opportunity. 

After the bill was placed into collections in XX/XX/2017I received phone calls at all hours of the day and night. I even heard a representative speaking negatively about me and my medical situation after she thought that she hung up the phone. I was very offended and took it very personally that I was being treated with so much disrespect. 

I have sent paid the entire bill off and would just like the collection completely removed from all 3 credit agencies.
Product: Credit reporting

A company called Clarity Services is randomly making inquiries on my XXXX Credit report. I show roughly XXXX inquiries over 1 year. This in excessive and impactful. I have never applied for services or loans on behalf of any of their clients this is gross misuse of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My First & last name are as follow : XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

My First & last name are as follow : XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

My Current Address is : XXXX XXXX XXXX XXXX 
XXXX SC XXXX Sincerely
Product: Bank account or service

I have been a Citibank gold customer for 40 yrs . They always
included my mortgage toward they required balance needed for gold XXXX
status. Recently they changed that policy and now I'm being charged for
for my checking accts and any little thing I need done. I don't think is 
fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is the CERTIFIED MAIL FROM XXXX XXXX. Transunion is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 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 well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! Account : XXXX XXXX XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXXXXXXOpen options Account # : XXXX  XXXXXXXX XXXX XXXX Open options Account # : XXXX  XXXX XXXX XXXXXXXX Open options Account # : XXXX XXXX XXXX Open options Account # : XXXX XXXXOpen options Account # :XXXXXXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX XXXX Open options Account # : XXXX XXXXXXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXXOpen options Account # :XXXX XXXXXXXX Open options Account # XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Debt collection

Credit Collection Services company aka " CSS '' Company erroneously attempting to collect for a creditor XXXX XXXX. They file number they sent me is XXXX XXXX XXXX I never received a service or phone from XXXX  XXXX which CCS states occurred on XX/XX/2022 CSS posted the amount of {$590.00} to the credit reporting agencies to my records CSS has sent me several demands for payment. I called CSS and told them that this claim is in error. CSS can not produce any documentation to support this claim