23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Court Case XXXX XXXX XXXX , XXXX vs XXXX XXXX XXXX and XXXX - XXXX, XXXX XXXX Granting Defendant 's Claim of Exemption and dissolving continuing writ of garnishment was already granted on XX/XX/2021. 

Received letter from one of their sister companies trying to collect on debt and they threaten legal action in the letter when I was already granted exemption and the dissolved writ of garnishment. 

I am going to mail copy of judges verdict to the company. and advised that complaint has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported wrong information to XXXX credit bureau. After more than year they still only respond that they have reported the account correctly even when I have sent paper information on the contrary. I am sending once again an inquire for them to correct this issue which is damaging my credit score extensively and I've been denied for a refinancing of this loan due to the wrong reporting. CFPB needs to intervene on this issue since this issue is damaging my prospects and my business. I have only asked them to correct their wrong information with paper to show the truth. They still report the wrong information to XXXX  and say they are doing everything correct as if just a letter without a signature with an actual employee. In this case they say they act legally without anybody signing and being responsable for the response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX is reporting that a balance on my credit report for XXXX was not paid, and past due. The balance was paid in full, and is not past due. I also receive a check in the mail for paying more than the balance when I closed the account.
Product: Checking or savings account

On XX/XX/2024 I had an unauthorized transaction from XXXX XXXX XXXX of XXXX. The transaction posted on XX/XX/2024. I was unaware of the transaction because it never showed as pending. The charge is unauthorized. I filed a dispute with Chase Bank and it was denied on top of another transaction being made at the same place for XXXX that the bank gave me credit for.
Product: Student loan

Navient is my loan servicer. I say mine because it is under false information. I made inquiries several times about the Parent Plus Loan I took out so my daughter could get a decent education because she was young and they would not provide one to her. I felt like I was lied to and strong armed into taking the loan. No other place to turn to and wanted my daughter not to worry about it I have found myself in {$80000.00} debt for my daughter 's education. I was told several times that the Parent Plus Loan may be  consolidated into her name once she graduates so she can build credit and the I would not be responsible for the loan. Only to find out that I ca n't do anything with this loan but have it weigh me down in my XXXX 's and I have XXXX other  children that I probably wo n't be able to qualify for loans now because I was always told we could put it in my daughter 's name. Now, what do I do??? I have tried talking to several people over there and they are so rude and not understanding at all. When I was almost in tears about all this debt ... I literally could tell the Representative was talking to another agent and basically laughing at my situation. My back is up against the wall and would like to find out how I can be included in this lawsuit because the information I received was wrong and was given to me just so I would take out all these loans. What has America come to that I have to struggle this much just to put my daughter through school. The deceit and disappointment I feel in our system is enormous and has put me in a deep and sour mood towards our government and the fair Consumer Act. I was not only treated unfairly, but was deceived into taking out this loan that I thought could be eventually in her name, and lastly is the whole system. Every other loan can be either be forgiven or put in a income based repayment plan but the parent plus loan is always excluded. I feel like I am being punished because I signed a loan so my daughter could better herself and get a career because she could not qualify for a loan. I should never of been qualified with my credit. They took advantage of me and I want to file a claim against Navient, the Federal Loan system, and the whole college loan crooks that pray on good and decent citizens that will never be able to get out from under these loans.
Product: Credit reporting or other personal consumer reports

I wanted to bring to your attention that I have previously submitted dispute letters to all three major credit bureausExperian, Equifax, and XXXX an effort to have inaccurate and outdated information removed from my credit report. Despite providing all necessary documentation and following the required procedures, none of the disputed items have been removed or corrected as requested. This issue remains unresolved, and it is critical that this matter be addressed promptly. The inaccurate information is negatively impacting my credit standing, and I am requesting immediate action to ensure that my credit report accurately reflects my financial history. Please advise on the next steps, as I am prepared to take further measures if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is CLEAR and SPECIFIC. EXPERIAN FAILS TO FOLLOW THE LAWS CONGRESS CREATED TO PROTECT ME, THE CONSUMER, AGAINST UNFAIR PRACTICES FROM EXPERIAN and XXXX XXXX. My most recent dispute with Experian was closed on XX/XX/XXXX. I submitted the same account on numerous occasions due to the violations against me and my consumer rights. I notified Experian of the violations against me by XXXX XXXX. 
Experian does not follow the Fair Credit Reporting Act and consequently, they are repeatedly violating my rights, breaking the law, and causing me great stress, anxiety  and XXXX. 
Experian IS ALLOWING XXXX XXXX to report INACCURATE INFORMATION ON MY CONSUMER report. I provided evidence of the inaccurate reporting and Experian refuses to delete the account from my file. 15 USC 1681i ( a ) ( 5 ) ( A ) states that IF ANY information disputed by a consumer is found to be inaccurate, the consumer reporting agency shall, 15 USC 1681i ( a ) ( 5 ) ( A ) ( i ) immediately delete that item of information. 
I am providing in this dispute evidence that Experian received inaccurate information from XXXX XXXX XXXX and EXPERIAN FAILED to delete the information, even after it was disputed. 
XXXX XXXX reported that a payment was made on XX/XX/XXXX. 
XXXX  ALSO reported the account as 30 days delinquent for XXXX XX/XX/XXXX. 
XXXX XXXX reported XX/XX/XXXX as paid on time but suddenly changed it in XX/XX/XXXX when they charged off the account. XXXX XXXX reported the account as 30 days past due for XXXX while simultaneously reporting payment received in XXXX. In XXXX, Experian allowed XXXX to report the last payment received as XX/XX/XXXX but reported the account at 60 days delinquent. 
Experian was provided with this inaccurate information and failed to delete the information. When I disputed the harmful lies and inaccuracies, Experian failed to maintain my consumer report in a fair and equitable manner, with regard to the confidentiality, accuracy, relevancy, and proper utilization of my consumer report. 
Experian IS breaking the law and violating my consumer rights by not properly conducting an investigation Pursuant to 15 USC 1681i ( a ). Experian receives the dispute and provides all details to the company furnishing the information on my credit report. Experian told me that they do not determine anything nor do they look at the information. Experian made it clear that they provide the information to the furnishing company, and that company is the one who makes the decision about the dispute. 15 USC 1681i ( a ) ( 4 ) says that the consumer reporting agency MUST with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer. Upon their discovery of the inaccuracy, it must be deleted from my consumer report and I am demanding this account be removed. This account has been violating my FCRA rights for far too long and Experian continues to violate my rights. This is no longer going to be tolerated and in accordance with Congress, this needs to be corrected.
Product: Debt collection

XXXX XXXX XXXX has been tryin to collect a debt that does not belong to me. I have never opened an account with these energy providers. this is the case of identity theft or fraud.

the debt collector is tate & Kirlin associates inc and the amount they are trying to collect is {$1800.00}. reference # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> ) It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a dispute letter to verify all the information on my credit report. I sent it the dispute via certified mail with confirmation of receipt and tracking # XXXX. 

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. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX account # XXXX, has violated my rights because the date of last active is inaccurate, date opened is inaccurate, and payment status is inaccurate. This is grounds for removal. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, the date last reported is inaccurate, and the date opened is inaccurate. 
XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXXXXXX XXXX XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, the date last reported is inaccurate, and the date opened is inaccurate. 

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. 

Attached are before and after disputed credit reports, confirmation that credit bureaus received request.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I had a name change through the clerk of courts, First, Middle, Last name has completely changed. However I mailed Experian XX/XX/23 to update my personal name. I sent in all the documents that was asked which was copy of social security card, court documents and copy of Identification I also sent in an updated birth certificate. I called them XX/XX/23 to get an update to see if my information was updated in their system. I was told at that time my information was not updated, that it will get updated while I was on the phone with them on that day. Fast forward to today XX/XX/23 I was logging into Experian portal trying to request an updated report so that I may start working on my credit, only to find out my information is still the same. I called to let them know my information was not updated and how they told me that it was only to get told that I needed to verify I asked them why I need to verify if I mailed in all my documents. They said the system takes time and said they dont know when it will be that my information gets updated and they will put in a ticket but they still wont know when it will be that my system get updated! Im kind of confused of why its taking so long being that XXXX and XXXX has already updated in their system. This slows down the process of me disputing and fixing on my credit so that I may qualify to get an home. Can you please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy court supplied me with a letter that they did not report a bankruptcy to the credit agencies, instead of removing the incorrect information that did not belong to me they instead only removed one of the two errors and told me I have to send in another duplicate letter I already sent them claiming they can only remove one derogatory remark at a time this is the second request they have ignored the first was my request of 9 hard inquiries I did not authorize a letter was sent and now a second letter request was sent and they have failed to address this by supplying me with documentation baring my signature for these items on my credit report so they have disregarded my rights to the fair credit reporting act 611 ( a ) ( 1 ) ( A ). Then Equifax only removed the reporting source of the U.S bankruptcy court but shows as a derogatory public record which did not remove the incorrect derogatory information instead left it on my report without any source of reporting agency information and failed to supply me with the method of verification that I requested and updated my personal information with incorrect information regarding my employment that was not disputed and shown correct before, I have been at the same employer for the past 14 years so there was no reason to make that changes to my personal information without any source of changes from any agency. As well as pulling a hard inquiry I did not authorize with their company. I can only assume they did all of this purposely because of the unprofessional conversation I had with their agency. Their practices in resolving my issues has violated the fair credit reporting act section 611 ( a ) ( 1 ) ( A ).
Product: Debt collection

Sometime in 2015 I went to see a XXXX at XXXX XXXX XXXX , XXXX about a XXXX XXXX. XXXX XXXX wanted me to XXXX for 24 hours. I informed XXXX XXXX I had no insurance and could not afford the XXXX. XXXX XXXX gave me a form to take to XXXX XXXX for patient assistance. At XXXX XXXX I spoke to a XXXX XXXX who I specifically told if there would be any cost I could not have the procedure. She told me the hospital would cover the cost. Later when I received a bill from the hospital and a bill from the XXXX I called XXXX XXXX to ask why I was receiving bills at which time she told me that the financing had not caught up with the billing and I should just ignore the bills. Now I am receiving letters from a debt collector from the XXXX. I am being told that there was a XXXX who had to read the XXXX and that was who the bill was owed to. I asked XXXX XXXX why she had not informed me there would be a bill when I had specifically told her if there was ANY cost I could not have the procedure. She told me there was nothing she could do about it. I have no income and just a small amount of money to live on that I inherited and could not justify spending any money on this procedure, which I did initially inform XXXX XXXX of. No one ever mentioned to me at any stage there would be a bill from a XXXX or that one would be involved. I would have opted out of the procedure if I had been informed. I feel I was never given the choice.
Product: Money transfer, virtual currency, or money service

I placed a call to XXXX representative stating that I was suspecting of a scam. Impostor directed me to download the anydesk app.

After I downloaded the app he directed me to start two wires in order to safeguard my finds. He said that the money would be debited immediately after the test was performed. It was only way to have my money safe.

I followed the instructions and completed wires. I filed report with bank.

Impostor texted XXXX employee ID. 
XXXX XXXX XXXX phone impostor used to commit fraud Anydesk kept sending prompts that the caller was a XXXX  verified client
Product: Mortgage

On XX/XX/XXXX XXXX team of XXXX assigned to my case set me up for the deferral payment of the months from XX/XX/XXXX to XX/XX/XXXX XXXX payment required that day And my next payment until XX/XX/XXXX Per XXXX. Said I would get a confirmation letter next day. I called back on XX/XX/XXXX XXXX from litigations dept saying give u more time for SLS to send the confirmation letter. 
I have not received the confirmation letter please update me cause I dont want issues Id have to report it to the financial protection agency if I dont get back within XXXX hours Now as of yesterday I was told they didnt do it. This is unacceptable. I need someone form the corporate office to fix the issue of the reps that dont seem to be doing things correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Affidavit Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Demand for Response Letter My name is XXXX XXXX. I am contacting you on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, Experian, and XXXX on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 

-Attached is identification and Affidavit
Product: Money transfer, virtual currency, or money service

MoneyGram International has failed to release money to the intended recipient. 


Dear Sir, Title : Money Sent, Not Received REF. NO. XXXX I sent money through MoneyGram on Monday XXXX XX/XX/2023 from XXXX. When the receiver, XXXX XXXX went to the bank on XXXX XXXXXXXX, he was told there is an error 357 and transaction can not be completed at this moment. Despite constant calls for assistance, I was told the recipient XXXX XXXX in XXXX had received the money but it is not true. He did not receive any money. Please help recover the money. 


Sender 's Name and phone number : XXXX XXXX XXXX ( XXXX ) Receiver 's Name and phone number : XXXX XXXX XXXX ( XXXX ) Amount of Transfer : XXXX XXXX Ref Number : XXXX Thank you, Yours Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2022, I C SYSTEM added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA, I C SYSTEM has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with the credit bureaus to delete inaccurate information that is reflected on my credit reports. To date, to no avail. The following information should be deleted from my credit reports : XXXX  : Delete Also Known As : XXXX XXXX Delete Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX & XXXX XXXX XXXX. XXXX . XXXX, XXXX, TX XXXX Equifax : Delete : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX  XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX  : Delete : XXXX XXXX  XXXX  XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX. # XXXX, XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex systems is reporting my information inaccurately and without my consent. this is against 15 USC 1681b and 15 USC 1681e. they have refused to fix the errors and remove this fraudulent report causing damage to me and my family. i have been oppressed from getting bank accounts and a credit union. causing me fines and fees and higher interest rates.
Product: Credit card

This complaint is related to Complaint No. XXXX, submitted on XX/XX/XXXX. I am still waiting for CapitalOne to respond to that complaint. 

As noted in that complaint, before passing on a refund from XXXX caused by a cancellation of a reservation, CapitalOne insisted in deducting the full balance due on my credit card ( {$670.00} ) even though a payment on that balance was not due until XX/XX/XXXX. 

Much to my surprise, on XX/XX/XXXX, while my complaint was still pending, CapitalOne withdrew an *additional* payment of {$670.00} from my checking account. Since that payment had already been made by deducting it from my refund from XXXX, I was shocked. I received no notice that an additional payment was going to be taken from me, or whether or how I could prevent that payment. 

It should be noted that under my credit card agreement, no payment whatsoever was due. The entire balance due had already been paid, and no further payment would be due until XX/XX/XXXX. CapitalOne has essentially stolen interest I would earn until that date.
Product: Checking or savings account

M & T Bank wouldn't let me make any withdrawals from my account so I asked them to close my account XX/XX/XXXX. I spoke with the XXXX branch manager and she told me that the account would be closed immediately and that I'd receive my check with the balance of {$1500.00} by XXXX  XX/XX/XXXX. It is XX/XX/18 and I still haven't received those funds, nor have I received any notification of my funds being sent to me. The only proof I have is the recording I made of this call.