23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Friday XX/XX/year> my account was placed in an admin forbearance. this happens a lot with this company for no reason ( actually the reason is when they mess up so far ). I found this out at the end of the day so called Monday to ask why. The original letter given to me Friday says my account may still accrue interest without the auto debit reduction. I have full ability to pay and leave my account on auto pay for a reason. So now I think " wow, increased interest, also no payment means no PSLF credit '' so I call them Monday and ask. The woman told me they're redoing the formula for SAVE and reducing the discretionary income. great, what does that have to do with my auto debit? I ask her to remove the forbearance because I'm concerned that it's now accruing interest at a higher rate. she decided to say nothing and not correct me about this ( the correct answer was there was XXXX interest in this transition, but we find that out later ). then on Monday at XXXX I got an email about WHY my account was paused, a whole three days later mind you, and with conflicting information. Now it says my month will count to PSLF, there will be no interest accrued, and there is no payment. This came after I pulled the forbearance five hours earlier because I had bad information on Friday and then the woman on the phone also did not correct me. So naturally, I dont know who to believe and because the PSLF program has been so mishandled to milk more money out of us in the long run i'm just going to pay this month anyway, because I do not trust you ( why should I, I was given conflicting information and/or it was withheld. if she was untrained that is also their fault. ) Why would you not put the correct information in the original notification and also why would you even need to put my account on a forbearance anyway???? so messed up, so now i have to call again and possibly reinstate it? i bet they can't do that because it was " admin '' forbearance and now if i ask for it back it'll be requested by me and will have the interest. ya 'll tactics you used on my mom well we learned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an old account around XX/XX/XXXX or XX/XX/XXXX of last year and I was told by two different XXXX reps that this account would be deleted from my credit reports. Well actually three because I asked the rep that took my payment just to make sure before paying. I contacted XXXX over a month ago to inquire about the account still being present on my credit reports and was transferred to someone, I believe in collections, and was told that XXXX doesn't delete but rather reports as paid in full. I did my part but they did not. I disputed this account and was told that it was accurate and would not be deleted but I provided the documentation of the conversation with one of the reps and still have not resolved this situation. My credit report list the XXXX XXXX XXXX as the collector but XXXX collected the payment from me and made the deal with me. I do not owe XXXX XXXX XXXX at all. I just want this to be resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  USER LATE PAYMENT Balance {$1600.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX Balance - Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance - Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$4000.00} Balance updated XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX Balance {$14000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have called and left messages as well as waited on hold multiple times for over 20 minutes at a time. I have never once gotten anyone willing to take my money for the {$60.00} I owe. No one has ever called me back on my multiple messages left to make my payment after leaving clear, concise, information about my and my information. The hospital is also refusing to take my money. I have now tried calling again today 4 times and have been hung up on each time and no one will take my payment. I am in collection and should not have been even for one day because they are not allowing me to pay by debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 the BECU Credit Union ran my credit check with the XXXX  credit reporting agency, and my credit score was shown as XXXX. That is totally incorrect! I was rejected based on incorrect information. The credit score that XXXX  is showing to me is XXXX.
Product: Checking or savings account

XX/XX/2022, there were 3 unauthorized XXXX  transfer transaction. {$500.00}, {$700.00} and {$200.00} dollars were transferred without proper authorization. XXXX transfer under the recipient name XXXX XXXX amounting to {$500.00} and two transfer under the name of XXXX XXXX {$700.00} and {$200.00}. Capital One said they made an investigation and turned out the transaction happened to a registered device. 
I spoke to the manager handling the case and she rudely replied to me that you have to have some evidence to back up my dispute. There was no notification from the bank alerting us of the transfer.
Product: Credit reporting or other personal consumer reports

I am writing to address the three charged-off accounts under my name with XXXX XXXX XXXX XXXX XXXX These accounts represent a challenging chapter in my financial journey, one that has been marked by significant hardship, including the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe recovery time. 

The financial strain I endured during this period was immense. The pandemic severely impacted my income, leaving me unable to meet my financial obligations. The unexpected medical expenses and physical recovery following my car accident compounded this hardship. These events were entirely out of my control, and I am now striving to rebuild my life and my financial stability. 

Currently, these charged-off accounts are weighing heavily on my credit report and hindering my ability to move forward. In good faith, I am asking for their complete removal from my credit report with all three major credit bureaus ( XXXX, XXXX, and Equifax ) .I kindly request a written response within 15 days of the date of this letter. Please send your agreement on your company letterhead so I may proceed with payment immediately.

This is not just about resolving a financial matter ; it is about rebuilding my life after extraordinary setbacks. I trust XXXX XXXX XXXX XXXX to recognize my genuine intent to resolve these accounts and my effort to move forward responsibly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX ( XXXX : XXXX XXXX   : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Experian : XXXX XXXX   : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX XXXX XXXX ( Experian : XXXX ) XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX  XXXX XXXX XXXX ( Experian XXXX ) XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX ) XXXX  XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX ( Experian : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX  XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : Account with late payments wrongly reported, the dates are not accurate and they exaggerated the number of days. 

ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone : XXXX Email : XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Collection Accounts Below XXXX XXXX Account owner Individual Account XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX Account owner Individual Account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX, L Account XXXX Individual Account XXXX XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX Age of Account 1 year 1 month Dear, Equifax I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts listed on my credit report, and I have no clue how they got there. Ive always been diligent about checking my credit, but today, discrepancies appeared out of nowhere. I refreshed my browser, thinking it might be a glitch, but nothing changed, leaving me extremely frustrated. I am pleading for the submitted documents to be properly reviewed so I can stop worrying about this issue once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} NAVIENT XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report. These accounts were opened or reported without my authorization and are the result of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information removed from my credit file. 
Fraudulent Accounts to Be Blocked and Deleted 1. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$2600.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$680.00} XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$1700.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$4900.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$3400.00} XXXX. XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX o Balance : {$1900.00} XXXX. XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$5100.00} Fraudulent Inquiries to Be Blocked and Deleted XXXX XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. These accounts have a low or XXXX balance. 

Open credit card accounts XXXX XXXX XXXX {$870.00} out of {$800.00} 110 % XXXX XXXX {$310.00} out of {$300.00} 105 % XXXX XXXX XXXX {$880.00} out of {$850.00} 104 % XXXX {$2000.00} out of {$2000.00} 104 % XXXX XXXX XXXX XXXX {$3800.00} out of {$3700.00} 102 % XXXX XXXX XXXX {$1600.00} out of {$1600.00} 101 % XXXX {$1000.00} out of {$1100.00} 99 % XXXX XXXX {$1000.00} out of {$1100.00} 98 % XXXX XXXX XXXX XXXX {$1300.00} out of {$1400.00} 98 % XXXX XXXX XXXX {$770.00} out of {$800.00} 97 % XXXX XXXX  XXXX XXXX {$470.00} out of {$500.00} 94 % XXXX XXXX  XXXX XXXX {$250.00} out of {$300.00} 85 % XXXX XXXX XXXX XXXX {$240.00} out of {$300.00} 81 % XXXX {$200.00} out of {$400.00} 52 %
Product: Mortgage

This is in relation to claim XXXX and a response also submitted on XX/XX/XXXX. Shellpoint continues to change the date of when they think a payment was missed. Their latest claim was the account has been delinquent since XX/XX/XXXX. Due to time needed to get old records from the bank, records were sent to them ( and attached here ) on XX/XX/XXXX illustrating payments made back to XX/XX/XXXX and no evidence of a missed payment.
Product: Debt collection

Contacting my work. Using my work phone to contact me which is a violation of FDCPA. Also I do not owe the amount stated since, as anyone knows, my federal tax return has been takes every year since 2007.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had a late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2020 Please investigate and provide proof with statements showing that these payments were late. Also this was around XXXX XX/XX/2020 we according to capital one I got a pass because I wasnt fully working that month because of Covid If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Payday loan, title loan, personal loan, or advance loan

Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Navy Federal, XXXX XXXX XXXX, XXXX, VA XXXX. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2.

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 2nd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice.

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 3rd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice.

USPS Registered Mail Tracking # XXXX ( delivered on XX/XX/2023 )
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX 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 reporting or other personal consumer reports

am writing to dispute several accounts reported under my name without my consent, violating the Consumer Credit Protection Act ( XXXX XXXXXXXX XXXX  ). I have contacted Experian and XXXX regarding these inaccuracies, but they failed to provide the requested evidence and indicated they would not remove the accounts. 
I request an investigation into these accounts and the following : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$740.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$1600.00} XXXX XXXX # XXXX XX/XX/XXXX {$740.00} Dated XX/XX/XXXX XXXX- I spoke to ( XXXX ) case # XXXX Experian. Case XXXX I spoke to XXXX
Product: Money transfer, virtual currency, or money service

I AM filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redness for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I have been a victim of fraudulent activity and this is another request to remove the information from my credit file resulting from the fraud. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any account and information not later than 4 business days after XX/XX/2023. Ive already included this report in my previous letter & I am including it again. Also, the information the Credit Bureaus provided on some accounts and information are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. By the provisions of the Fair Credit Reporting Act, I request that the Credit Bureaus remove the following accounts and information from my Credit File as soon as possible : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX These accounts and information were never authorized on my behalf thus I am disputing these and be removed from my Credit File. These accounts and information have caused me damage I am looking forward for these accounts and information to be removed without delay. As much as I appreciate the Credit Bureaus previous action and have some of the disputed accounts and information removed, I am a bit disappointed seeing these accounts and information still being reported without proper verification. Please help me resolve these matter the sooner the better.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreed to adjust my account to reflect on time payment for XX/XX/2020. 

I sent the letter from creditor who stated they are going to update the reporting to experian and they stated that it was not sufficient to make any changes. They also did not provide the results. Their email stated that I could view the results " here '' but there was no hyperlink to view.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is XXXX   XXXX on my Credit Report with XXXX, XXXX, and Transunion. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Despite more than three written requests, the unverified account ( XXXX XXXX ) still remain on my credit report in violation of Federal Law. XXXX, XXXX, and Transunion are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? XXXX, XXXX, and Transunion have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore XXXX, XXXX, and Transunion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to. XXXX, XXXX, and Transunion failure to positively verify these accounts has hurt my ability to obtain credit.