23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account on XXXX, Experian and XXXX from XXXX XXXX XXXX XXXX in the amount of XXXX. I was one of the signers on the account which was a business account. The account was closed by the bank. I understand reporting this against the company but not against me. The account was opened with an EIN number under a business name as a business checking account and not a personal account.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 )
and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

A  XXXX  mistakenly ran my credit with out asking for my approval first. I spoke with  XXXX   XXXX  about getting the inquiry removed and she agreed informing credco to remove for all credit reports.   XXXX  I have letters and documents that back this up. This was done  XXXX   XXXX     2017  and it 's still on my credit.   XXXX  I called credco and have a letter saying they will remove it but its still on my credit report. They ca n't seem to help me when I move. This is more of  XXXX    XXXX   fault,
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently reviewed my credit report and found an account with inaccurate information. I have attached a screenshot to this complaint. This Account XXXX, is affecting my ability to obtain credit based on the banking system. Additionally, this account has been closed. 

I request a complete review of my credit report and that this inaccurate information be removed as soon as possible. 

Upon reviewing my report again, I noticed that no changes were made. According to XXXX XXXX XXXX XXXX, the law states the following : ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, the consumer reporting agency must : ( i ) promptly delete or modify that item of information from the consumer 's file; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the consumer 's file.

According to 15 USC 1681e ( b ) : ( b ) Accuracy of report Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information in the reports.

And according to 15 USC 1681s-2 : ( A ) Reporting information with actual knowledge of errors No person shall 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.

( B ) Reporting information after notice and confirmation of errors No person shall furnish inaccurate information if : ( i ) the consumer has notified that the information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

XXXX, Transunion and XXXX did not conduct an adequate reinvestigation, and I can prove it with evidence. I request a complete review and correction of the errors in my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I XXXX XXXX XXXX The Consumer In This Matter Is Fully Aware Of His Rights To Being The Creditor In This Matter And That Wells Fargo Chooses Not To Follow The Law, About Consumer Protection So I Involving Subtitle Codes Of The United States Of America, Seems To Make A Very Much Problem For Me When I Want Control Of My Finances And Financing To My Life For All And Any Appliances I Choose To Protect MySelf With, So Subtitle 15USC1611, 15USC1693, 42USC408, 15USC1692, 15USC1601, 15USC1681, 15USC1662, 15USC1691, 15USC6801 @ 6802, All Are Being Ignored By This Government Franchise And I a Will Not Stand For These Actions To Be Admitted On Me In Such A Hazardous Harmful Way AnyMore At All, So My SSN Coming With XXXX XXXX XXXX  Attached To It And My Birth Certificate Coming With {>= XXXX XXXX XXXX So Why Am I Being Denied So Much When I Come With XXXX XXXX XXXX XXXX Behind Me XXXX Fully Aware And I Want To See That I Have Access To My Unlimited Credit By A Consumer Transaction Being Done Opening A Portion Of My Consumer Unlimited Credit, The Person Who Knows Of This Is The Banks UnderWriter So As Long As My SSN Is Involved I Have Consumer Rights And Consumer Protection Rights Along With The CFPB Baccing Me Up So Plz Lets See To It That I XXXX BeCome The One..
Product: Money transfer, virtual currency, or money service

I put money in a leader that when I went back for it the money wasnt there I sent it through Zelle but forgot the name cause it was awhile ago.
Product: Debt collection

Citi bank claimed that I had two cards open with them. I tried disputing and was ignored by the company. I've asked for proof that the debt was mine, such as original contract with my signature on it but was ignored. I've sent police reports as well and dispute letters 90, 60, and 30 days ago. The have not responded. Instead of working with me to help resolve it the sold the debt to debt collectors, who are now harassing me at home and work. One had a balance of {$3100.00} and the other of {$6600.00}.
Product: Debt collection

I have repeatidly disputed account number XXXX with the credit reporting bureaus about Ad Astra Recovery Services and their aggressive and frightening collection tactics. I have asked doth bureaus to investigate and validate this debt that I have paid in full with XXXX XXXX and delete it from my account. I do NOT owe Ad astra anything and they have recently been calling my cellphone at late hours and leaving voice messages with a machine regarding this supposed debt that I know i do not owe them. Please investigate their aggressive and illegal attempts at taking money i do not owe them. they have not even provided any valid evidence nor have they communicated properly with me regarding my disputes and request for them to stop contacting me, especially with automated systems. They are so embarrassing and annoying. They need to delete their account from my credit reports immediately or I will contact an attorney. This is my last warning to them. Please help me.
Product: Debt collection

I've tried several times to resolve his issue with this company. I believe my personal information has been compromised and used to apply for different types of accounts as I several inquires on my credit report that I do not recognize nor did I authorize. I have no knowledge of these items outlined in this FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi This is XXXX XXXX, I have sent you a dispute letter XX/XX/2021, but to this day, over XXXX months have passed but I still have not heard anything from you. I am attaching the same letter for you to see and you may wan na check your records. I need this messed to be removed from my report so please do investigate them and delete if you can not provide me proof the support those claims. I will check with you after XXXX days, Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an issue I have been facing regarding my credit reports. I have noticed that there are several inaccurate accounts listed on my XXXX, TransUnion, and XXXX credit reports. 

I have tried to dispute these inaccurate accounts directly with the credit bureaus, but they have not been removed. These inaccuracies are negatively impacting my credit score and making it difficult for me to obtain credit when I need it. 

I am requesting that the Consumer Financial Protection Bureau take action to ensure that these inaccurate accounts are removed from my credit reports with XXXX, TransUnion, and XXXX. I have attached copies of my credit reports to this letter to help with the investigation. 

I understand that the Fair Credit Reporting Act requires credit reporting agencies to investigate and remove inaccurate information from credit reports. However, in my case, the credit bureaus have not taken any action to correct the errors on my credit reports. 

I hope that the Consumer Financial Protection Bureau can assist me in resolving this matter and ensure that my credit reports are accurate and up-to-date. Thank you for your attention to this matter.
Product: Student loan

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : Complaint Regarding Student Loan Servicing by EdFinancial Services LLC Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against EdFinancial Services LLC regarding the improper handling of my student loan account, which has caused significant financial and emotional distress. I am seeking your assistance to have this matter resolved and the loan deleted from my records due to the following reasons : 1. **Errors in Loan Servicing : ** I have experienced numerous issues with EdFinancial Services LLC regarding [ e.g., misapplied payments, incorrect balances, failure to provide accurate information ]. Despite multiple attempts to address these issues directly with the servicer, they remain unresolved, which has negatively impacted my ability to manage the loan effectively.

2. **Failure to Provide Accurate Information : ** EdFinancial Services LLC has failed to provide clear and accurate documentation regarding the status and details of m
y loan. This lack of transparency has made it impossible for me to verify the legitimacy of the debt.

3. **Violation of Borrower Rights : ** Failure to honor a repayment plan, ignoring requests for loan forgiveness programs, or other issues related to your borrower rights.

Given these ongoing issues, I believe that EdFinancial Services LLC has acted negligently and in violation of my rights as a borrower. I respectfully request that the CFPB investigate this matter and take appropriate action to rectify the situation. Specifically, I am seeking : - Deletion of the student loan from my records.

- A full and detailed account of the actions taken by EdFinancial Services LLC regarding my loan.

- Any appropriate penalties or enforcement actions against EdFinancial Services LLC for their misconduct.

Enclosed with this letter are copies of relevant documentation to support my complaint, including correspondence with EdFinancial Services LLC, payment records, and any other pertinent information.

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure this issue is resolved fairly and promptly. Please feel free to contact me at XXXX or XXXX if additional information is needed. 

Sincerely, XXXX XXXX
Product: Student loan

Hello, My father ( XXXX XXXX ) had a Parent PLUS loan serviced by AES. My husband and I made regular monthly payments of {$590.00} via ACH toward his loan balance up until the date of his XXXX, on XX/XX/XXXX. 

I contacted AES by XX/XX/XXXX notifying them of my father 's XXXX, and they were in receipt of the XXXX certificate indicating the date of XXXX to be XX/XX/XXXX. I was advised that the loan was forgiven effective on the date of XXXX. I was unable to obtain other information until my Letters of Administration were conformed by the courts, which AES received in XXXX of XXXX. 

My issue, and what has since dragged out for a year past the date of my father 's XXXX, is that the monthly ACH withdrawal hit our account on XX/XX/XXXX ( date of XXXX - a Saturday ) and was removed XX/XX/XXXX ( Monday ). After the significant back and forth over multiple phone calls, I was advised that since the loan was forgiven on XX/XX/XXXX, that my personal payment would be reimbursed. I ironed out the proper protocol to submit a dispute and request reimbursement with a woman named XXXX, mentioned by name and employee number in the letter I sent to AES, and which is attached to this complaint. 

As I had not heard anything since my letter was mailed XX/XX/XXXX, I called AES to request a status update on XX/XX/XXXX. I was told that my complaint and request for refund were rejected on XX/XX/XXXX on the grounds that the payment was made prior to the date the company received the XXXX certificate ( XX/XX/XXXX payment vs XX/XX/XXXX XXXX cert receipt ). As this directly contradicted the information I had previously received, I requested to be transferred up the line to a supervisor that could assist. While I was being bounced around over the 40min call, I was advised I needed to send another dispute letter ( disputing the outcome - at my expense via XXXX ) to the same address I had sent the original letter ; I was also told by an employee XXXX ( # XXXX ) and her supervisor XXXX ( # XXXX ) that the circumstances appeared odd given the date of forgiveness was indeed retroactively forgiven on XX/XX/XXXX, therefore any payments after that date would have been effectively surplus ( paraphrasing ). The conversation ended when XXXX mentioned that all other supervisors were in a meeting and unable to take my call and would call me back by close of business PST yesterday, XX/XX/XXXX. I have yet to receive a return call and am deeply frustrated by being put through this circus for a calendar year. 

My goal is to receive the {$590.00} that I paid toward this loan - that was not in my name nor my responsibility, to begin with. Please assist, as I 've done everything possible and ca n't seem to get straight answers or any real help from anyone whom I 've spoken with about this matter. The emotional and financial toll has been a significant burden, as have the repeated 45+ min calls for which I have to take time off from work. 

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

Transunion will not remove a collection from my credit report from XXXX XXXX from a credit union I have never ever heard of. The account does not belong to me and I have contacted Transunion several times to remove this. They have not sent me any information and just leave it reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Great Lakes continues to send negative information to credit bureaus regarding my accounts. I have been sued by my own family, have had my XX/XX/2018 tax refund wrongly taken by the US Department of Education ( {$2000.00} ) which I included in a separate CFPB complaint, and have been facing eviction in my current place of residence. I have also had a lack of food due to lack of money. 

Because the US Department of Education failed to return my {$2000.00} tax refund or give me a reason as to why it was not returned to me, my car was repossessed. Now, looking at my credit report, I can not qualify to buy a new car because my credit has been negatively reported by XXXX XXXX, who is contracted by the US Department of Education. 

I would like them to take the false, negative information off my credit report. Mutliple contracted agencies are taking advantage of my terrible financial situation and I want it to stop. I want XXXX XXXX, along with ALL US Department of Education contractors to discontinue negative reporting on my credit. You are beating a dead horse. I have been faced with multiple evictions ( one because of the US Department of Education ) and have had my car repossessed because again, my refund was not returned to me. And now, as I try to fix the problem the US Department of Education and their contractors created ; they have sent numerous negative comments about my credit. 

The US Department of Education and their contractors need to work with me, not against me. I need to be able to buy a car and live my life. I have NO other negative marks on my credit, except for what the US Department of Education and their contractors have submitted. I am asking you to stop, it Is ruining my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern XXXX XXXXXXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE NOT MY ADDRESEES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).  You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I AM A TRUIST BANK CUSTOMER. I WENT ON LINE AT THE TRUIST WEB SITE AND SENT {$1500.00} VIA XXXX TO REGISTERED XXXX PERSON ON XX/XX/2022. I RECEIVED A CONFIRMATION ON XX/XX/2022 AT XXXX PM : " PAYMENT UNDER REVIEW. YOU'LL BE NOTIFIED SHORTLY WHEN ITS STATUS CHANGES ''. THERE WAS A PHONE NUMBER AND A REFERENCE NUMBER ON THE NOTICE. 

SO FAR THE {$1500.00} HAS NOT REACHED ITS DESTINATION. I TRIED TO CALL XXXX YESTERDAY AND WAS ON HOLD FOR XXXX MINUTES. FINALLY A LADY ANSWERED WHO SAID THERE ARE SOME ISSUES WITH XXXX AND SHE COULD NOT HELP ME BUT A REPRESENTATIVE WOULD CALL ME. OF COURSE, NO CALL. 

NEEDLESS TO SAY I AM LIVID!!! WHERE IS MY {$1500.00}???? IT HAS BEEN DEBTED FROM MY ACCOUNT, BUT HAS NOT REACHED ITS DESTINATION. WHERE IS IT? 


I SEE THAT XXXX XXXX XXXX XXXX HAVE SENT COMPLAINTS TO XXXX 'S PARENT COMPANY, XXXX XXXX XXXX, XXXX. 
I WANT AN ANSWER... .WHAT IS GOING ON?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never paid this account late  XXXX   XXXX   XXXX  Account #  XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Was the 1st attempt of requesting the removal of public information reporting inaccurately which is in direct violation of 15 US CODE:1681 1 ( I ) 5, 15 USC 1681e , 15 USC 1681a4 , 15usc 1681n Company : XXXX Experian XXXX Despite multiple disputes, phone calls and certified mail-along with a letter from the clerk of court requesting the removal of these three public records reporting inaccurately. XXXX along with Experian and XXXX have continually ignored my request. This is a clear violation of my rights under 15 USC 1681a ( 4 ), which mandates the need for consumer reporting agencies to ensure the maximum accuracy of information in consumer reports. I have provided all necessary documentation, and I am extremely dissatisfied with the lack of response and resolution. I am attaching all relevant information for your review and assistance in resolving this matter.
Product: Bank account or service

For the second time in 6 months, my Bank of America account has been compromised. My purse was stolen out of my car XX/XX/XXXX. My account was compromised at the time but Bank of America put an alert on my account to ask for verbal password for bank center transactions. I closed that account and just opened another one. On XXXX XXXX, 2016, someone was able to use only my ID and with draw {$1300.00} from my bank account. Usually I 'm asked for XXXX forms of ID ( ID and bank card ) when I make a drive thru transaction. Furthermore, if my account has an alert on it then the culprit should 've been asked to provide the verbal password. It was not provided. The bank manager was very rude and was not accepting responsibility for their lack of securing my account. I honestly feel like it 's an inside job at this point because they wo n't give me the contact to their regional manager to discuss the issue. I should have switched banks after the first incident but I thought the matter had been resolved. Six months later and here I am going through this again, and this time the bank associate ( s ) are very rude and not helpful at all.