23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

AES/XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX XXXX XXXX  Phone ( XXXX ) XXXX Is continuing to verify to the CRAs that my student loan was delinquent. My loan was always in a paid, deferments or forebearance status when it was held by AES. 
Further AES is infamous for their mishandling of the loans and giving poor advice to their customers. 

Recently they have verified again information that it was delinquent and they are unable to provide me with any proof that this is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am unaware that my courthouse has the ability or manpower to call each bureau and provide them with information for each consumers civil claims or judgments. If they did, I can guarantee you the unemployment rate in the nation would be eradicated with all the positions they would be filling. So please, provide me with the name and number of the actual third party that provided you with the details for the following : XXXX  XXXX bankruptcy Filed on XX/XX/2017 Reference number : XXXX
Product: Credit reporting or other personal consumer reports

These are the accounts opened on my trans union XXXX and XXXX account which are incorrect. I did not open those 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I paid off my loan in full on XXXX in the amount of XXXX. On XX/XX/year> that amount was taken out of my checking account but only XXXX was applied to my loans. What happened to XXXX?
Product: Credit reporting or other personal consumer reports

I have reported to equifax and XXXX that these are NOT my account and they were fraud and I was requesting information of proof of ownership. They kept verifying my info without providing proof 24hr later. 

Highest Balance {$8500.00} Opened XXXX XXXX, 2024 ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info Balance {$580.00} Highest Balance {$410.00} Opened XXXX XXXX, 2024 ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Placed for collection Original Creditor Name XXXX XXXX Closed No Info
Product: Credit reporting or other personal consumer reports

I sent a letter requesting validation of the debt in XX/XX/year>. The company never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX isnt removing items that arent mine on my credit report and I sent in police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX**** Creditor : XXXX XXXX Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX Account : XXXX**** Creditor : XXXX XXXX - Account : XXXX* Creditor : ( BLANK ) - Account : XXXX**** Creditor : XXXX XXXX XXXX Account : XXXX**** This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Debt collection

On XX/XX/2018 the company below claimed I owed them ( 1 ) {$20.00} for a debt ( 1 ) {$30.00} for a debt ( 1 ) {$30.00} for a debt I asked them to send me proof I owed it to them. I asked them to verify and validate this so I could have a better understanding. I asked for a contract between them and I along with my signature and any agreement containing such.They said all they could send me was a receipt. They sent me a typed receipt that says " Paid In Full '' I asked them to show me a receipt with a transaction number and authorization to use any banking information or credit card containing my information. Since they didn't respond to me right away after asking for this information I submitted this same request to XXXX and XXXX. This company has yet to reach out to either company or me and produce what I asked for. 
I have never paid this company any money nor do I know who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DEPTEDXXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DEPTEDXXXX
Product: Credit card or prepaid card

I have autopay to pay Kohl 's bill monthly and my checking account info on file so payment can be deducted My XXXX payment did not get deducted and I was charged {$29.00} for past due I called Kohl 's customer service on XX/XX/XXXX and spoke with a man who did not listen to me. He just kept asking for a payments I'm trying to rebuild my credit since my husband passed away In XXXX This infuriates me Due to incompetentcy on Kohl 's part
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a account with XXXX from XX/XX/XXXX, I closed account and remaining balance was sent to collections in 2 weeks. I am XXXX XXXX/XXXX, XXXX, XXXX, so I had my PCA pay with money order. I began to build my credit, and developed a good score.In early XX/XX/XXXX XXXX XXXX XXXX put a delinquent account on my credit report, same XXXX account I had paid with money order.Since it was from XX/XX/XXXX it did not affect my score very much, I still had XXXX, .Three or 4 months ago the account was REMOVED FROM ALL 3 CREDIT AGENCIES ... Last night I looked and the very same account is BACK as a NEW ACCOUNT XX/XX/XXXX, WHICH IS REAGING, AND ILLEGAL. I applied for a home loan/mortgage a few months ago and my score was XXXX After the removal of the account, now it is XXXX in just a couple months simply from the account being reaged and listed as NEW After being REMOVED. I Have spoken with a lawyer and told I can sue because it has affected my mortgage application and is extremely illegal. I'm very ill and need help to have this account REMOVED once and for all from the three credit agencies.It is the same account and the same collection company trying to start their time over.
Product: Credit card or prepaid card

I paid off the whole balance of my credit card for capital one and I was told once I paid the balance off in full the credit line would be available by XXXX2017 and when I called to verify the check had been processed they transfer my account to fraud and then I was told that I would not have the credit line for 25 days and I told them that I was not told of this the agent I spoke with also was told that there is not fraud on my account but the account had not been taken out of fraud and they told me that there nothing more they can do even after being promised the line would be good by XXXX -XXXX-2017
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, XXXX has agreed to the terms and conditions of my letters sent on dates XX/XX/year>, XX/XX/year>, XX/XX/year>XXXX XXXX XXXX  is now hereby required to delete its XXXX XXXX XXXX off my consumer credit file as agreed. XXXX XXXX failure to produce the documentation required pursuant to 15 U.S. Code 1692g ( b ) puts XXXX XXXX  in XXXX. And releases me from all liability. The account that's being reported By XXXX XXXX is inaccurate, Delete the account immediately. This is a NOTICE AND CONFIRMATION OF ERRORS pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( b ) Reporting information after NOTICE AND CONFIRMATION OF ERRORS. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute inaccurate and unauthorized reporting related to the student loan account DPT EDXXXX, Account # XXXX. 
Fair Credit Reporting Act ( FCRA ) Violations Inaccurate Payment Status : The account is reported as Current with {$0.00} due and also stated to be in deferment ( payment not required ). According to the FCRA, furnishers must report accurate and complete information. Reporting a Current status when no payment is due ( due to deferment ) is misleading and inflates the appearance of open credit usage without reflecting actual repayment activity. 
Payment History Reporting During Deferment : There are OK/K/Current marks under the payment history while the loan was in deferment. This is misleading because no payment was due or made during those months. The FCRA prohibits the inclusion of information that misrepresents payment activity. 
Duplicate or Conflicting Account Information : Multiple account numbers are being reported for the same loan across the three credit bureaus, which may cause confusion and a potential negative impact on my score. This conflicts with 607 ( b ) of the FCRA, requiring credit bureaus to maintain maximum possible accuracy. 

It has come to light that XXXX XXXX and DOGE were granted access to federal education records and borrower files. This represents a massive breach of privacy under FERPA, which restricts the access and disclosure of educational and financial aid records without explicit written consent from the borrower. MY RIGHTS under FERPA have been VIOLATED! 
Links Below XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Theft Incident : Fraudulent Personal or Business Loan What company or bank opened the fraudulent account? XXXX XXXX XXXX Name of a company representative that you spoke to : XXXX XXXX XXXX 's phone number : XXXX Company 's email address : XXXX If you know, tell us when the fraudulent charges began. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Account number : XXXX Theft Incident : Fraudulent Personal or Business Loan What company or bank opened the fraudulent account? XXXXXXXX XXXX XXXX Name of a company representative that you spoke to : XXXX XXXX XXXX XXXX 's phone number : XXXX Company 's email address : XXXX If you know, tell us when the fraudulent charges began. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account XXXX XXXX XXXXXXXX XXXX amount of {$4300.00}. This collection does not belong to me I have sent XXXX XXXX   XXXX XXXX a debt validation they have not responded and disputed this with Equifax and XXXX and collection is still being reported
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my earlier complaint XXXX Experian responded with a false and frivolous claim that my complaint " did not appear be be submitted by me '' even though I provided my name, date of birth and the last 4 digits of my SSN. 
Please explain what exactly made Experian believe that I did not initiate my complaint or investigate and delete the following false accounts : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX  XXXX account # XXXX 4. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap
Product: Credit reporting, credit repair services, or other personal consumer reports

In all the years that I've been doing business with companies, I have never talked to anyone from these creditors. I did not purchase anything from them. I do not recognize these companies and I do not owe them, remove this from my credit report ... XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significants issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tacking these funds were unfeasible. The CFPBs findings indicate the Zelle had not only neglected to protect consumers but also has allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

AARGON AGENCY Potentially negative Date opened XX/XX/XXXX XXXX {$680.00} Status XXXX account. {$680.00} past due as of XXXX XXXX. 


This XXXX XXXX XXXX LIED about the amount they tried to collect just to show and affect my credit score and report. 

They inflated in 300 % over the real amount. This company shouldn't be in business. 
I need help. 

XXXX.
Product: Credit reporting or other personal consumer reports

I have asked on several instances for my credit report to be rectified, I have ask for verification and reverification of the information on my report which I was informed but all that they had verified and after doing my own research found this to be inaccurate. I have found the information on my report to be fraud and Per FCRA 605B ( 15 U.S.C. 1681c-2 ) it requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This information continue to be detrimental to my personal credit, 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 XXXX XXXX XXXX. 
My Identity was fraudulently utilized to try and obtain credit, Obtain 2 apartment for rent and to buy into a ponzi scheme see attached : Court docket number XXXX refers to the case United States v. XXXX XXXX in the U.S. District Court for the District XXXX XXXX. Charge : Wire fraud in violation of 18 U.S.C. 1343. Outcome : XXXX pled guilty and admitted to misappropriating at least {>= $1,000,000} of investor funds. On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 1. United States v. XXXX XXXX ; United States v. XXXX XXXX ; United States XXXX XXXX XXXX - Department of Justice