23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

American Express ( AMEX ) violated my FTC right to charge back a debt by declining a legitimate charge-back of {$1100.00} for my XXXX/XXXX/XXXX at the XXXX XXXX XXXX. The hotel 's dirty pool failed state inspections and put my husband in the hospital with a XXXX XXXX that cost {$15000.00} ( Doc : My letter dated XXXX/XXXX/XXXX ). 

AMEX committed BAD FAITH by reducing its Over Time Repayment Services and wrongfully declining a credit card charge to my computer repair company. I closed the AMEX account and returned my charge card on XXXX/XXXX/XXXX ( Doc : My letter dated XXXX/XXXX/XXXX ). 

AMEX failed to provide a requested response to my XXXX/XXXX/XXXX letter. I wrote a CEASE AND DESIST DEMAND letter dated XXXX/XXXX/XXXX to stop the daily harassing telephone collection calls ( Doc : My letter date XXXX/XXXX/XXXX ). 

AMEX assigned the disputed {$35000.00} to XXXX XXXX XXXX on XXXX/XXXX/XXXX. I wrote my timely XXXX/XXXX/XXXX letter to XXXX XXXX XXXX demanding a VALIDATION OF DEBT. I never received any validation of debt from AMEX or the debt collector attorney ( Doc : My letter dated XXXX/XXXX/XXXX ). 

AMEX sued me using the debt collector firm. XXXX XXXX XXXX XXXX, on XXXX/XXXX/XXXX and won a default judgment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX AMEX attempted to illegally garnish my checking account but the account was overdrawn and it failed. It was an illegal garnishment because my only income is XXXX which can not be garnished. On XXXX/XXXX/XXXX the lawsuit was dismissed due to my bankruptcy. 

AMEX and XXXX violated the FDCPA by failing to provide the XXXX/XXXX/XXXX demanded VALIDATION OF THE DEBT. All our letters were mailed Certified Mail. I do not owe AMEX anything because of it BAD FAITH AND ITS FDCPA LAW BREAKING.
Product: Debt collection

I was contacted about a debt on XXXX/XXXX/XXXX that I questioned the legitamacy of. The debt collector claimed I owed over {$500.00} for medical bills dating back to XXXX. I sent a certified letter asking for verification. 

On XXXX XXXX, I received a letter stating that the verified debt was {$19.00}. 

I received another call today, XXXX/XXXX/XXXX again claiming that I owe over {$500.00}. I was told they would have to verify the debt again.
Product: Credit reporting or other personal consumer reports

I was in fact affected by the XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a request to Equifax and XXXX to update my address, as I had to recently move. I have done this for XXXX months, with no change or acknowledgement from Equifax or XXXX. I have tried calling the credit bureaus and have been told that they can't authenticate me because my driver 's license address does not match the address they have on file for me. I updated my driver 's license so it shows my current address, not my old address, which I am trying to update. 

I just want my address updated. I have sent the documents Equifax and XXXX requires for XXXX straight months. 

Please help.
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. 

Account Name : XXXX  Account Number XXXX  and list of Inquiries.

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 or other personal consumer reports

I havent been able to access my credit report or score since XX/XX/year> on XXXX XXXX which prompt me to login to TransUnion site directly still no success. I sent in a dispute in writing regarding accounts that was fraudulently obatin and does not belong to me which one company has reported over 3 items fraudulently on my report by the name of XXXX company I sent in my photo id along with social security card which I had to get replaced because I havent had access to my social security card in years. I called transition advised them of the issue and keep being told its escalated to special handling team an someone would reached out within 3-5 business days hence its been 20 days no resolution I called again to today an still being told the same exact information theyre escalating again please allow 5 business days not giving me update on my dispute or credit file which should be against the law.
Product: Debt collection

Missed 1 payment in XX/XX/2018, daily calls multiple times still continued even after payments are being made. Most calls ignored/sent to VM during business hours, but some were answered and each time I said to stop calling my number. The calls persisted until I called them up and complained, when I was laughed at and threatened with repossession for only missing the 1 payment.
Product: Student loan

I ATTENDED XXXX XXXX IN XX/XX/2006. MY PRIVATE LOANS ARE NOW WITH A COLLECTION COMPANY. MY LOANS WENT FROM {$5000.00} TO OVER {$18000.00}. I BELIEVE I HAVE BEEN OVER CHARGED. I UNDERSTAND THAT ALL OF THE XXXX XXXX   COLLEGES HAVE CLOSED AND ARE BEING SUED. I'M CONCERNED BEING THAT I ONLY ATTENDED ONE SEMESTER THAT MY LOANS HAVE NOW WENT TO COLLECTIONS WITH AN OUTRAGEOUS BALANCE. MY LOAN WAS SENT TO XXXX, XXXX, AND XXXX. I DON'T EVEN HAVE A TRANSCRIPT TO TRANSFER ANY CLASSES IF I WERE TO ATTEND ANOTHER SCHOOL TO PERSUE THE SAME DEGREE.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX, Trans union and XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!
Product: Checking or savings account

XX/XX/2020 opened checking and savings account with SunTrust Bank. Transferred over {$4000.00} from my XXXX account to open both accounts. Downloaded the mobile app and signed up for mobile banking. Both the website and mobile app never functioned. XX/XX/2020 I stopped by the branch to see what was happening. I was told that the transfer hadn't posted yet so that is why the website and mobile app weren't working. I made a deposit by check into both accounts of {$500.00} each with additional {$20.00} in cash into each account. Everything began to function after XX/XX/2020 and the debit card and checkbook came in. XX/XX/2020 I deposited {$38000.00} via cashier check into the new account. XX/XX/2020 I deposited {$36000.00} via cashier check into the new account. On XX/XX/2020 I reviewed my account on the mobile app and was prompted to call customer service because my account had been closed. I immediately returned to the branch and spoke to XXXX XXXX the branch manager who informed me that the account was under review to be close since XX/XX/2020. I told her that I had not been notified by mail, email or phone of this. From that day I was denied access to my account by website of mobile app. I wasn't given a day of when my funds would be returned to me. I asked for the information of the District Manager XXXX XXXX. I called Mr. XXXX and left several messages. When I spoke to him after a week and half of leaving messages he assured me that I would be receiving my funds. It was an unfortunate circumstance. I've left several messages for XXXX XXXX from corporate office with no response. I've spoken to customer service with no resolution and have been told that my money will be returned to me by check sent by regular mail not certified or XXXX. I find this to be more than unacceptable and negligent on the part of SunTrust Bank. If the relationship had been terminated unbeknownst to me on XX/XX/2020 then why did the institution accept two sizable deposits on XX/XX/XXXX and XX/XX/XXXX? It is now XX/XX/2020 and I have no resolution and no money. This is a total of {$79000.00}. I have reviewed comments on XXXX and XXXX only to find similar complaints and clients waiting anywhere in upwards of 3 to 12 months to receive their money back. Too many similar complaints this is not a coincidence. This has the potential to ruin many lives financially in every aspect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my student loans in XXXX. The lender then sold my loan, went out of business, and my loan was sold 2 or 3 more time. All while interest upon interest has been adding up for the interim XXXX  years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.
Product: Credit reporting

RE : XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$140.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, MT XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$140.00} XXXX Experian needs to have this Entry immediately removed from my Report. This was disputed with XXXX and they sent a letter stating they requested these items to be removed with the CRA. I am not late on paying a bill, expecially this {$140.00} bill that does not belong to me! 
It is erroneous and I will file an AG compaint against experian.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is a result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite this, the account remains on my credit report with your bureau. I ask you to remove this account from my report ASAP : XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account Number Num : Balance {$190.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided each credit bureau ( XXXX, Equifax and XXXX ) with a deletion letter for XXXX # XXXX, this account is reporting late payments that are inaccurate for the following dates XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have provided them with the deletion letter twice and each time the investigation come back with the lates still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someon had pulled the unathorized hard inquiry on XX/XX/2018 on my credit report and I want them to be removed on all the credit bureaus
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card has not reported anything to Equifax credit bureau anything to Equifax since 2022. Equifax still claims that XXXX XXXX credit card is active and not closed when in fact the account was closed in good standings XXXX XXXX credit card has failed to provide financial reporting to Equifax on my account. When will XXXX XXXX update my financial reporting to Equifax? And all the major credit bureaus? When will XXXX XXXX notify Equifax that my XXXX XXXX credit card is closed because Equifax claims that the account is still active. XXXX XXXX credit card has not been reporting My financials to any credit bureaus especially Equifax which claims that my XXXX XXXX credit card is still active when it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im applying for a building loan and three hits were in my credit report that I didnt apply for. Two for XXXX both on XX/XX/XXXX, and one for XXXX XXXX  on XX/XX/XXXX. I would like for these to be removed from my credit and to find out if credit was given in my name for these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX 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: Student loan

Someone used my identity to ATTEND COLLEGE disburstments were made funds were never recieved.
Product: Credit card or prepaid card

Account was cancelled without warning or reason. Would like annual fee pro-rated refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been fraudulently using inaccurate information on my credit report for years. I have tried disputing the account multiple times, calling, and I will have no option at this point but to file suit under the Fair Credit Reporting Act unless this item is removed from my report entirely. 

There is an item they show on my report by the name of XXXX  ( acct # XXXX ), formerly under XXXX XXXX XXXX, which they are displaying with inaccurate dates, info, reporting as multiple entries with different origination dates, inaccurate status, and fraudulently showing this account as open on in collection when I have no unpaid accounts to my name. 

Transunion has made ZERO attempt to rectify this situation, and my FICO score with Transunion is a full 50 points lower than with XXXX or XXXX. 

I have contacted XXXX  and XXXX XXXX XXXX  and they concur that this is inaccurate reporting on the fault of Transunion. 

The handling and concern for myself with this matter on the part of Transunion has been appalling.
Product: Credit reporting or other personal consumer reports

Two main issues : 1 ) Apparently someone set up an account using my SS and I am unable to reset the password since they have set up 2FA to a phone that I do not have access to. The company does not provide a means of reclaiming the account on experian.com once it has been created by someone else with publicly available information. 

2 ) When I tried to create a new account using a different email address as suggested on XXXX XXXX, Experian forced me to accept opening a new " digital checking account '' with them in order to sign up. There is no option to proceed in the general account sign up process WITHOUT creating a digital checking account. 

I was able to call and cancel the account raised in point # 2, but have been unable to fix the first problem. The account rep for the checking account cancellation said he was unable to connect me to a live account rep to try and fix the log in problem.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized inquiries on my credit report from XXXX, XXXX and Transunion. These inquiries are inaccurate and appear to be fraudulent attempts to open accounts in my name without my knowledge or consent.

Please see the dispute letters I attached on this complaint. It consist the details of unauthorized inquiries.

The presence of these unauthorized inquiries on my credit report is detrimental to my financial health and could negatively impact my ability to : 1. Obtain credit at favorable rates. 
2. Secure housing and rental agreements.

3. Obtain insurance at competitive rates.

4. Apply for certain jobs.

5. Actions taken to resolve the issue : I have already contacted the Bureau involved and disputed these unauthorized inquiries. However, I have not seen any progress to my disputes.

Given the lack of resolution and the ongoing negative impact on my credit report, I urge the CFPB to intervene and : 1. Require the credit bureau ( s ) to immediately remove the unauthorized inquiries from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference.

Thank you for your time and attention to this matter. I look forward to your prompt response and swift resolution.
Product: Checking or savings account

On XX/XX/2023 I was informed through on-line banking that a check I had deposited a few days prior was cleared and the money was now in my account. I acted in good faith on this information, reimbursing the person who wrote the check, because I could no longer get the item to them that they had paid me for. I reimbursed them using XXXX. On XX/XX/2023, I was told that the check was returned and not funded. 

The person who wrote the check and received the XXXX payment is not responding. I would never have sent them money if I didnt trust my banks information that the check was cleared.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX with XXXX  XXXX XXXX. I am renting and own no property. I live from a small IRA, Social Security and a large contribution monthly from my oldest son. 
My second son, XXXX XXXX XXXX borrowed from a private lender while attending XXXX XXXX XXXX XXXX I ended up cosigning XXXX student loans while he was a student almost 30 years ago. 
He has been unable to pay off his loans due to the overall size of his debt. The company now handling the loans is Navient. He is currently on a repayment plan with Navient for loan # XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We had all of our credit cards in her name because she had excellent credit scores. We have never had consumer debt, always paid our obligations on time and we have never use any credit except mortgages when we owned our home. 
I am now left with being unable to obtain any credit cards in my name because the student loans reported by Navient are in arrears. I have no debts except a car loan which I pay monthly and always on time. 
I would simply ask that Navient remove me from the credit report since I have no assets and they will not have anything to collect when I die. It serves no purpose to continue to have me on this loan as a co-signer since I have no assets and limited income. 
It remains a source of family stress in my/our relations and there is no hope that Navient will received any proceeds when I die. I have life insurance and a small IRA both of which are not available to lenders.