23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I used a XXXX XXXX all to withdraw XXXX dollars I only received XXXX. I called the bank and they said I had to dispute it with my bank because I do not bank with them. My bank is XXXX I called XXXX  they said I had to wait XXXX business days for it to settle then dispute it. I did that now they have denied my claim and now I have to wait for them to send me the report to open it back up which they said would take 7/10 business days. I need to dispute it through flag start too because they took XXXX dollars from me and Im not just going to let them steal my money.
Product: Debt collection

Professional Debt Mediation Inc contacted me a second time after i sent them an official letter to case all contact and that I am not responsible for this debt as i was XXXX at the time this debt had taken place. I also informed them I am on SSI and they can not collect any debt from me anyway. They also sent me a list of other peoples personal medical information which is also a violation of others personal rights.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed some inaccuracies and incorrect information. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to investigate the account listed below because ( XXXX XXXX account number XXXX ) late payment is reported inaccurately, this account says it was XXXX days late in XXXX which is incorrect it was paid on time never late as shown in the images. 
This account has been updated by XXXX to current and never late. I demand that XXXX also update this account to current and never late as required by law to reflect maximum accuracy.
Product: Debt collection

On XX/XX/2022 I sent {$750.00} ( money order ), along with a Settlement letter to National Credit Systems. Previously, I sent a {$750.00} Cashier 's check to the same company and the check was returned back to me. The note I received was that the company could not accept a cashier 's check and ask me send a Money order. 

Today is XX/XX/2022 and no response! I paid this creditor and they also received the settlement letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing a hard credit pull inquiry from your company on XX/XX/2021 that has negatively impacted my score. I did not authorize this pull from your company and I can only imagine it was done fraudulently. Additionally I am impacted by covid19, delta and now Omnicron variants. I can not speak on the phone but assure you if not remedied in a timely fashion and corrected there will be lawsuits filed, citing this request to remove. Please respond by hard copy printed mail once it is removed. Thank you.
Product: Credit reporting

I submitted a dispute online and it appeared to go through, but I did not receive any notice of it and when logging in later I could find no record of ever having filed it. I then called TransUnion and they had no record of the dispute, so I filed it over the phone and the representative collected my email address, but I received no notification that it was submitted or the status of it. If I log on to their website I still do n't see any indication of the the status of the dispute. 

The account I 'm attempting to dispute is " XXXX # XXXX '' which was a debt that was sold to XXXX but not appropriately reported to TransUnion ( or TransUnion recieved the report but failed to actually file it, much like they 're doing to me now. ) This caused the debt to be duplicated when it is actually the same XXXX adverse account.
Product: Vehicle loan or lease

Ally Financial Inc has forged my signature on an alleged loan agreement. Ally has failed to validate the debt or furnish the original documents with my actual signature. 
Ally has taken many illegal actions against me in regards to this forged agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Monterey Collection Services XXXX XXXX at XXXX XXXX maliciously placed a {$4800.00} amount on my personal credit report with XXXX, XXXX and XXXX. They have NO supporting documents or any evidence or me owing the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX   XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX. How did the student loans ended on my credit report? They do not have a place here. 
It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! DPT EDXXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to TransUnion and also called TransUnion there is a hard inquiry on my credit from XXXX XXXX XXXX that is an error I also mailed XXXX XXXX XXXX and called XXXX XXXX XXXX and when I call the XXXX XXXX XXXX  I give them my information and the employees keep hanging up on me this needs to be taken off
Product: Debt collection

I have been in medical care since 2017 and made payments to Citifinancial. I had a payee making payments. I never received any statements after a certain date and payments stopped. I started to get payment vouchers recently that I know of and did not know where they were coming from and what they were about. I did not understand when I went to credit report it said something about Citifinancial and bankruptcy. I recently wanted to refinance my home to take care of many medical bills that I have from the past 3 years and found out the loan has not been paid but it does not have the name of the company on it that is sending me the account statements. I will be calling them now but do not know what to believe or not. The company which I am receiving the account summary from is real XXXX XXXX   out of XXXX Texas. If you have any answers, I would appreciate them. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has failed numerous times to correct and update the CURRENT STATUS OF THESE PAID AND CLOSED ACCOUNTS. They continued to balance accounts that were settled and paid. These accounts are still reporting a current status as either in collection or delinquent. The CURRENT STATUS should report as paid as agreed and closed. XXXX  XXXX  has inserted a debt that was already paid. These accounts are still reported each month as a current charge-off. This continues to severely affect my credit. THE AFFECTED ACCOUNTS ARE BELOW : XXXX XXXX XXXX Acct XXXX - XXXX XXXX XXXX XXXX- Acct XXXX XXXX XXXX XXXX XXXX- Acct # - XXXX XXXX XXXX # - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX
Product: Credit card

Made about {$90.00} charges on Capital One credit card in XXXX of XXXX. I forgot that I had charged anything on the card, because this is my emergency card, and did n't pay until XXXX of XXXX, when I got the report that I had a 30 day past due account from my credit monitoring. I called, talked to the representative, offered to make {$120.00} dollar payment to bring the account to {$0.00} balance, she accepted. Evidently, she did not adjust off the less than {$1.00} service fees that remained, nor did she tell me they were there, nor did she note anything on my account. She said it would take XXXX to XXXX statement cycles to show everything current. 
Still not correct in XXXX, called back in, and they adjusted off service fees since payment in XXXX, and was told that it would take XXXX to XXXX statement cycles to show everything current. Credit report as of XXXX shows payments in XXXX and XXXX were 30 and 60 days late. 
Called back in XXXX to get credit report fixed, and am told that they can fix XXXX, but not XXXX. Agent agreed that it was their fault, but said that she had already gone above and beyond what she was supposed to do and could do no more. I asked to be sent to someone who could resolve this for me, and she said she was the most senior person that I could talk to, but I could send a letter to their general correspondence address.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute and Intent to Pursue Legal Action Under 15 U.S.C. 1681n Dear EXPERIAN, I am writing to formally dispute several inaccuracies on my credit report and to notify you of your obligations under 15 U.S.C. 1681n. Despite my previous attempts to rectify these issues, they remain unresolved. As such, I am considering pursuing legal action to seek damages for your non-compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified the following issues on my credit report : 1. Incorrect Addresses : My credit report contains old addresses that do not belong to me. I have previously requested that these addresses be removed, yet they remain on my report.

2. Unauthorized Selling of Information : It has come to my attention that my personal information has been sold to other creditors without my consent. 

3. Closed Accounts : Despite my requests, you have refused to remove closed accounts from my credit report.

4. Reporting of Charged-Off Debts : It is my understanding that charged-off debts that have been sold should no longer be reported on my credit report. However, these debts continue to appear on my report.

Under 15 U.S.C. 1681n, you are required to ensure the accuracy of the information you report. Failure to comply with these requirements can result in liability for damages, including statutory damages of up to {$1000.00} per violation, actual damages, costs, and attorneys ' fees.

I am requesting the following actions : 5. Removal of Incorrect Addresses : Please remove any addresses from my credit report that are not associated with my current or previous residences.

6. Cessation of Unauthorized Information Sales : Immediately cease selling my personal information to third parties without my explicit consent. 

7. Removal of Closed Accounts : Remove all closed accounts that are inaccurately reported or have been previously requested for removal.

8. Verification and Removal of Charged-Off Debts : Provide verification of any charged-off debts that you continue to report. If these debts have been sold, they must be removed from my credit report. 

If these issues are not addressed within 30 days of receipt of this letter, I will pursue all available legal remedies to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response confirming the resolution of these issues. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On the morning of XXXX/XXXX/2015 I decided to check my credit on XXXX XXXX. I was shocked to see that my credit report contained a collection account from Stellar Recovery for the amount of {$120.00} as this was the first time I had been made aware of the outstanding debt. Stellar Recovery, Inc never once made contact with me through XXXX mail, not even a single phone call. The status of the collection account on my report reads " open '' with an open date of XXXX XXXX, 2015. Had I not logged onto XXXX XXXX, I would have never known that this debt even existed. I contacted Stellar immediately and spoke with a representative. I told her that I would need to contact XXXX before paying anything as I did not realize that there was a balance on my account at the time it closed. She informed me that " XXXX has nothing to do with this account anymore and that XXXX does not have record of it '', I also asked her what account # to use in reference to this debt and did not receive an answer. The REAL problem here is that I was not informed of the debt before they reported it to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Equifax Admitted that my information was compromised due to the Equifax data breach, and Equifax did nothing please help me delete the following accounts immediately XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX
Product: Student loan

XXXX XXXX XX/XX/2018 Loans were taken out with XXXX to pay for XXXX University tuition and help with book cost. 
Acumulated over 100,000 in student loan debt. 
XXXX University is no longer a institution can even get help to talk to former representatives who work there. 
XXXX know as XXXX is transferring debt to Edfinancial. 
I put in two borrow defense application. One denied other going on a year in review. 
XXXX University and XXXX the parent company formerly known as XXXX has not tried to help discharge or forgive former XXXX University students with the lending company. 
XXXX University was misleading and fraudulent and has put XXXX in debt The degrees obtained from XXXX University are useless to many companies and in this day in age the credits are not transferrable. 
BIDEN ADMINISTRATION needs to add XXXX University to the list of schools for forgiveness.
Product: Student loan

Something doesnt seem right about the way my student loan has been handled. I borrowed {$1800.00} and have repaid {$1800.00}. I have called multiple times to settle the balance of late fees and interest. I was told that I could settle the balance for {$400.00} and then told I still owed {$1000.00}. I have made multiple attempts to work with Wells Fargo and feel that they have been inconsistent, deceptive and dishonest.
Product: Vehicle loan or lease

I am a natural person, I am a living human being, I have rights I know my rights ALLY violated my rights in this contact numerous of times. I demand a refund and accounts to be removed or paid in full. 

The contract was breached or violated by : 15 U.S. Code 1605 - Determination of finance charge 15 U.S. Code 1640 a -Each violation is 2x finance charge 15 U.S. Code 1662 - Advertising of down payments and installments 15 U.S. Code 1692j - Furnishing deceptive forms 15 U.S. Code 1635 - Right of rescission
Product: Money transfer, virtual currency, or money service

I hope this letter finds you well. I am writing to bring to your attention a distressing situation I have encountered with my Chase Bank account. I am reaching out to express my dissatisfaction and seek assistance in resolving the matter. 

On XX/XX/, I fell victim to a XXXX scam where the perpetrator falsely claimed to be from XXXX. They suspended my cell phones on the account and requested payments to reconnect the service. Unfortunately, I unknowingly transferred funds from my Chase account under the belief that I was making a legitimate payment. It later came to my attention that this was a fraudulent transaction, and I promptly reported the incident to both XXXX, XXXX and Chase Bank. 

The amounts in questions are for 2 transactions with the amounts and the transaction ids {$310.00} {$670.00} XXXX payment to XXXX XXXX XXXX payment to XXXX XXXX Despite my immediate action and diligence in reporting the unauthorized transaction, I am disappointed to inform you that my efforts to recover the funds have been unsuccessful. I am troubled by the financial loss resulting from this unfortunate incident. 

I understand that maintaining the security of online transactions is a shared responsibility between customers and the bank. However, I believe that as a loyal customer of Chase Bank, I deserved a more proactive and supportive approach in addressing fraudulent activities, especially when it involves unauthorized transactions through XXXX. 

I kindly requested that Chase Bank thoroughly investigate this matter and expedite the process of refunding the funds to my account. The Fraud Claim # is XXXX. 
I am more than willing to provide any necessary information required to assist in this compliant. 

I trusted that Chase Bank values its customers and was committed to resolving this but unfortunately did not. I been going back and forth with XXXX and Chase for months. Chase Bank close my Fraud claim without making any attempts to contact me so was left thinking the this issue was still being investigated for months. Chase is saying they can not refund these charges because it came from the same IP address and Face ID token. The XXXX transactions were done on a computer not a mobile device and I was scammed. After escalating this to their management, they still will not refund these debits. I'm at a lost and I just recently lost me job on XX/XX/ and desperately need the money. 

Thank you for your understanding and cooperation in resolving this issue. I look forward to a favorable resolution.
Product: Credit reporting or other personal consumer reports

Hello and good day. This is a follow-up from # XXXX that I submitted on XX/XX/XXXX. On XX/XX/XXXX at XXXX I had a missed call from XXXX, a male who stated in a voicemail message that he's from Bank of America and is calling regarding my complaint. I didn't call him back. The same day at XXXX he sent me an email to contact him at the telephone number below but there wasn't a telephone number in the email. He signed off as XXXX XXXX and the email was from XXXX XXXX. He wanted me to call him to confirm that I am the party who engaged the CFPB. I responded to the email on XX/XX/XXXX at XXXX that yes, I am the party. I saw your call and heard your voicemail message. As of today, I haven't received a reply. On XX/XX/XXXX I received postal mail from Bank of America? From " XXXX XXXX XXXX '' XXXX XXXX, Texas XXXX " coincidentally the improper use and non-permissible hard inquiry started as well as the identity fraud ''. The letter had instructions for me to send my information to " XXXX XXXX XXXX '' documents, copy of credit report and misc. documents to them along with a detailed letter, name of credit agencies, reason for mt dispute and more. The letter also stated that they need the information to research my dispute, and they can't proceed because the information they received was incomplete. I was going to mail them some of the documents with hesitation and in the end, XXXX couldn't accept it as they do not deliver to XXXX XXXX XXXX and needed a physical address. On XX/XX/XXXX at XXXX I emailed XXXX XXXX XXXX for a physical address and as of today I haven't received a response. I certainly will not mail them anything now as they could be the scammers. This has been going on since XX/XX/XXXX with XXXX resolution. Please advise CFPB as I am exhausted and had to make many changes due to the fraud and the non-permissible hard credit report inquiry. I also became a victim of healthcare fraud as well after this started. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Texas XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Texas XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally register a dispute with Experian regarding incorrect information on my credit report. On XX/XX/XXXX, I contacted Experian about the following inaccuracies on my credit report, and to date, they have not responded. I am providing the details of the inaccurate information and the necessary corrections : The account with the following details was reported as late, but it was never late : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$7000.00} Please remove the late payment notation.
Product: Credit reporting 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 Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$16000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$16000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lost of credit line on credit account closed accounts due to credit lenders balance too high on accounts even when I given double payments amount of debt way too high XXXX in debt have always kept accounts in good standings fees on cash advances when I dont use cash advance features credit score at XXXX but why just wondering why so many negative reports 100 % payment rate wondering who is XXXX XXXX   and also pay off a XXXX loan with interests sad thing no credit for it on credit report may my matter be looked in to please not in need of new cards but I pay on time thank u for ur time incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per Equifax. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. I never in my life had an account with sprint. In XXXX, I was a victim of identity theft, I contacted Equifax and they removed the account back in XXXX. The Debtors 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 mine. According to the FCRA, XXXX XXXX XXXXXXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.