23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2019 I sent a dispute letter to Fed Loan Servicing about the student loans they claim I owe. I asked them to send me verifiable information for the accounts and the information that they sent me did not constitute the {$210000.00}. They sent me a promissory note from a school and had a lot of information redacted and if this was supposed be a document that was mine it should not have had information withheld and if one school has charged this amount of than they were doing some money laundering and should be charged Federally. They sent me an itemized bill, which is not valid proof of verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I sent this information to Fed Loan Servicing and they continue to report negative information to my report and did not respond to my letter. Their reporting is a violation and continues to prevent me from moving forward with my life and prevents me from finding means to provide for my family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 around XXXX XXXX  MT, I received a call from XXXX. The number showed up as " Chase Bank '' on my phone. The woman stated there were two unauthorized transactions on my account and she was going to issue a new debit card. She then asked for a verification code and instructed me to hit " yes '' on my phone when prompted by the Chase messaging system, which I did. After this occurred, seven {$60.00} transactions were taken out of my checking account and five separate {$60.00} transactions were taken out of my savings. When I called Chase Bank to see why these ones weren't flagged, I only then learned the woman before was a scam and had tricked me into both offering a code and writing " yes '' on my phone which allowed access to what someone at Chase called my " digital wallet. '' I felt stupid but it was the reality of what happened. 

Chase issued me a temporary credit and then notified me on XX/XX/XXXX that they were rescinding the credits on XX/XX/XXXX because they found the transactions were, in fact, " authorized. '' I called Chase Bank on XX/XX/XXXX around XXXX XXXX  MT and spoke with two different individuals. They didn't explain why the investigation found me guilty other than " the device was consistent with the transaction, '' which I assume means the the fact that the scammers tricked me by using the Chase text system to get me to issue a code from my cell phone. When I told them this was a fraud victim scenario, I was dismissed ( I was actually told by the first person " no, this isn't fraud '' ), and told there are no other options and that I could not speak to anyone on the investigations side since the decision was final. Even though they told me there are " case by case '' decisions, they told me " regulations require us to do it this way. '' On top of this, I've sent three messages to Chase through the secure message center, but only one has been responded to, which told me to call the same people I spoke with the first time. I'm not really getting any clear information from Chase about what rights I have. 

I understand I played a role in the scam I was a victim of, but I would be surprised that Chase Bank offers no fraud protection for these scenarios for its customers. Is this really true? 

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

You are Violating the FCRA Pursuant 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience between the CONSUMER and PERSON making the report is not included on the consumer reports!! Delete ALL Late Payments on my Consumer Report. Specifically, this account with, ALLY FINCL, XX/XX/2021 and XX/XX/2021 you reported that my transaction was 30 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

account. 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 XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 vears. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I am sure you are well aware of the legal actions taken against XXXX XXXX XXXX in regards to their poor financing and reporting practices. I have obtained a copy of the Final Consent of Judgement against XXXX from the State of Pennsylvania ( where I purchased this vehicle ) and have had it reviewed and provided a copy for your records. 
My prior car loan with XXXX XXXX XXXX XXXX ( XXXX ) was opened XXXX XXXX  and there for falls into the dates included in the judgement which are XXXX XXXX XXXX XXXX XXXX XXXX. All orders of this judgement are dated effective as of XXXX XXXX XXXX 
Section XXXX of the judgement states " XXXX agrees to provide notice to each CRA to which XXXX reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement and it is to be removed from my credit file immediately. I have submitted multiple disputes to the ALL XXXX major credit bureaus ( Equifax, XXXX, and XXXX ) regarding removing this account from my credit report and each time it comes back as the information is validated as accurate, however that is 100 % incorrect as it should been removed because of this judgement.
Product: Debt collection

I was sued by LVNV Funding LLC in XXXX and attended the court dates and the case was closed. In XXXX I requested a debt verification letter and it was never received Today on XX/XX/XXXX, I was notified that there was another lawsuit filed against me for the same debt by a bankruptcy lawyer. I placed a call to LVNV Funding and it routed me to a company called Resurgent Capital Services, they told me that the law suit was indeed filed. They stated during the phone call that they had been garnishing my wages since XXXX, and the debt verification letter was mailed to an address i resided at in XXXX. I have never had any money removed from my paychecks and was never notified of any judgment placed against me. They asked if I had a spouse as they have been communicating with someone about my debt since XXXX ( which is against the law ) and this person just started payments on the debt again in XX/XX/XXXX but the lawsuit was filed on XX/XX/XXXX. I would really like this debt wiped from my record and removed from my credit report as there are many discrepancies in this situation. It is also my understanding that you can not be sued for the same debt twice if a judgement was made on the case. Please help me!
Product: Credit reporting or other personal consumer reports

I have filed complaint # XXXX concerning my non public personal information being shared by a financial institution, XXXX XXXXXXXX XXXX XXXX  XXXX Under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act I am exercising my right to not share my non public personal information. Please see original complaint and letter sent to the financial institution ( attached ).
Product: Debt collection

On XXXX XXXX  I had a notification that a new mark was established on my credit report from a company I had no idea about. No previous call ( All calls are answered and have not missed a call in over a year as the number called goes to a 24/7 dedicated phone team who answers and records all calls ) This is for a XXXX $ charge that has already been paid for and can not be verified but they would not provide an email to send this over to or even verify the debt. I could not obtain a name, email or direct number as I would just be passed to another manager. 

I am trying to buy a home for my family right now and as were getting started I now have a negative mark for a medical bill on my credit report bringing me out of range for purchasing a home. XXXX points for an error that cant be verified or asked upon Simply had they even reached out to see if this was paid or not, this could have been handled without affecting the life of another. 

The walk in clinic in question has confirmed our account is XXXX as our state insurance covered everything in XXXX  Maybe this was never submitted to our insurance but we already paid this anyways
Product: Credit card or prepaid card

I called American Express to close the American Express Gold card.

During the call they presented some offers to keep the card open. After some negotiation, it was offered to cover, with existing points, the annual fee already charged, plus additional points after some spending. 

American Express failed to follow what was agreed. 

The annual fee charged has not been covered with points as agreed multiple times via phone. It was confirmed multiple times. I was even asked for a special security code to confirm the use of points. I was asked for this code twice. 

I contacted American Express customer service about this, via chat. The bank now denies, in writing, that I was offered to cover the annual fee with points, and only confirmed the part of the offer where I need to spend to receive points. 

I request CFPB and American Express to review the call made on XX/XX/2022 around XXXX XXXX 

Banks like American Express are very rigid when asking customers to follow terms, I've read horror stories about American Express, but as seem here, they fail to follow their own Terms- and I ask, what happens to them? Nothing?
Product: Credit reporting or other personal consumer reports

I did not authorize nor consent to any of the following accounts or inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or block from my credit report. I will pursue damages for each account that is in violation if not updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Double reported student loan debt and incorrectly reported a late payment on XXXX loan during the time of XXXX forbearance. It is impossible for the loan to have been late, no payments were due. Occurred on one of many instances of the same student loan.
Product: Debt collection

the law office of William C. Grossman is collecting a credit card debt that I do owe and I had made payment arrangements of {$10.00} a month I have not made my XXXX payment so they called my wife who is not on the loan and I did not give the attorney authorization to talk to anyone about the loan and they discussed my mortgage how long I have left on it in a threatening way she did tell them that she was not on the loan and did n't want to discuss it and they kept forcing the issue this is in violation of FDCPA they had no right to talk to her or anyone about it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint through the CFPB portal about some fraudulent, unauthorized inquiries on my Equifax Credit Report. Complaint ID is XXXX on XX/XX/XXXX, Equifax response to the CFPB on the CFPB portal was that inquiries below were removed/deleted from my report. I also received an Equifax report # XXXX stating this inquiries were removed/deleted from my report but as today Monday, XX/XX/XXXX this inquiries still showing on my credit report which cause my credit score to drop 19 points. The inquiries are the ones below XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. This inquires are fraudulent/unauthorized. 

*** See attached CFPB report and Equifax Response.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Vehicle loan or lease

I would like to file a complaint on Hyundai Motor Finance. I made a final pay off on a new car XX/XX/2020. I have been seeking the title to the car every since. I have made several attempts. The only thing I have received from them is a refund for {$6.00} over payment, dated on XX/XX/XXXX, XXXX
Product: Debt collection

I had several issues with Discover card. First, out of the clear blue, I was being asked to provide my tax returns my 1040s for no reason but to keep the card opened. This information was already verified when I applied for the card, and I refused. Thus actually violated the FCRA and regulations with regards validation before approving the account. Discover and XXXX were sued class action for this same breach of contract. Also, there were several purchases made on the card that I tried to dispute because u did but make them, and they refused to take my dispute. We got hit with hurricane XXXX in the end of XXXX, and had not heard anything from Discover. All of a sudden this past XXXX I received a letter from a debt resolutions attorney regarding a case number on the docket that I had no idea about. So I called and found out it was thus firm XXXX and XXXX XXXX, who state that a case had been filed in XXXX, I never ever received anything from Discover XXXX this firm that I was even being sued for anything past due. The firm claims that I was sent letters back in XXXX and XXXX regarding a suit going to be filed and I received nothing. I didn't get served until a couple of weeks ago on a case that was filed in XXXX that I had no idea about, and I never received any letters from anyone like they claim in XXXX and XXXX. I have tried and have attempted to contact them to exercise my rights to validate the signature and contract with the original creditor, for which they have not even called me. I was never notified ur advised at any point until I contacted them that I had a suit, nir was I advised that have the right to dispute this. I can't reach anyone by phone it email or by regular nail. I want the matter removed off of my credit report and off the system in courts I was never told if any of this and until I received that solicitation letter from third party that had a XXXX  number on it, I would never have known about this. My civil rights ere violated and I demand my rights if dispute and for them to verify the original signature and validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not exercised the grave responsibility with fairness, impartiality or respect for my right to privacy. Equifax added a current employer listed as XXXX to my consumer report, along with my current home address, and personal phone number. I did not give written instructions to Equifax to add my previous employer. I do not feel safe for me or my family. This information being displayed on my consumer report is now public record. That creates a very harsh environment for me because I am constantly uneasy while at home enjoying my family time. I no longer feel safe at home or work. This is making my everyday life extremely hard to deal with. Equifax is not adhering to the federal laws put in place in the FCRA. Furnishing information without my consent has undermined my confidence in their ability to operate with integrity.
Product: Credit card or prepaid card

On XX/XX/XXXX I informed Direct Express and Social Security that my Direct Express card was lost and I needed a replacement. Social Security reported they cancelled the card and would replace it with a new card which would take 7-10 business days. 

I contacted Direct Express after a week and they reported they needed a XXXX Consent based process to begin form with Social Security I contacted Social Security and they told me they don't do this anymore. They requested an ID, Social Security Card and Birth Certificate which I do not have as they were lost also. My Case Worker provided a copy of my ID and it was not acceptable without a copy of the back of the card. So this process ended. 

I received letters dated XXXX and XXXX from Social Security stating it would take 1-2 months for the money to be transfered to the new card. I contacted Social Security again by phone regarding the letters and was told Social Security has nothing to do with Direct Express. 

I contacted the Social Security office XX/XX/XXXX by phone with my Case Managers and I was informed it would be 3-4 weeks before I get my card and Social Security is depositing regularly to the new card. 

Wednesday XX/XX/XXXX My Case Manager and I contacted Social Security to report my concerns that I am unable to access my money with Direct Express. The representative denied that Social Security has anything to do with the process yet the letters explain the length of time 1-2 months that they take to deposit to a new financial card. After I read the letter to the rep she looked further into the problem and assured me the card should come soon. 

Friday XX/XX/XXXX My Case Manager and I attempted to call Direct Express, after waiting on hold for approximately 30 minutes we reached a representative. We were told Direct Express could not help me until we contacted Social Security and filled out the consent form. I tried to explain that the Social Security Offices were closed and I was unable to complete the form. Social Security had already informed me that they no longer use that consent form. 

Social Security did inform me by letter dated XXXX stating my social security number is in my name which was the verification they asked me for. 

I do not have my card and am unable to pay my bills. Thank you for looking into this.
Product: Mortgage

My Citimortgage mortgage was paid off in 2009. Only XXXX has it marked as 'derogatory ' and I do n't understand why. I paid it off early and Citimortgage had no complaints. All my payments were made on time - what could be derogatory in this?
Product: Checking or savings account

Td bank was contacted on XX/XX/2020 regarding a purchase return XXXX transaction. Td claims account went negative and charged overdraft fees. Upon logging into account found that balance was XXXX on same date I posted amount XXXX to cover the amount. Td then stated they charged overdrafts for charges on the account that were not authorized for the overdraft protection as I opted out of this. They claimed its required on all accounts. This seems like they are stacking their overdraft fees as I paid the overdraft on the same day it posted and post more funds to cover the balance I would request that td bank refund the XXXX dollars thats removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these late remarks with the bureaus and they are ignoring me. I am wondering if the letters I sent to them are being received or just ignored. I have been asking for proof about the late remarks in my reports. Please help me get them out.