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

ive been a victim of idenity theft i check my credit in janaury and notice a XXXX XXXX XXXX XXXX credit card open under my name that i didnt consent to are had any knowledge of this account. someone open and this XXXX XXXX credit card under my name using my social security number my driver license and my address through united states postal service mail forwarding and also used spoof my cell phone number and open a bank account with XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information that is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} ; ( Original Creditor : ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

My ex-husband agreed to pay for medical services from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$1300.00} and he did not pay. He provided my information and I was not present nor agreed to pay for such debt. I have no financial responsibility whatsoever because I was not even aware. 

Last year a the collection showed up in my credit report and I contacted XXXX   for an investigation. They only verified the accuracy of my identity but not the origin of the debt nor the correct debtor. I contacted the collector, Ability Recovery Services LLC ( the account was purchased by XXXX XXXX XXXX ) by certified mail on XX/XX/XXXX and instead of contacting/collecting from the correct debtor, they sent me another collection letter. I called them today XX/XX/XXXX and instead of investigating they hang up on me twice. 

Again, I never received medical services from XXXX XXXX XXXX XXXX nor I engaged in any financial transaction with them, therefore they should remove my name from such debt collection.
Product: Student loan

I have been a full time XXXX XXXX XXXX XXXX since XXXX. I completed a XXXX in XXXX in XXXX. During my time at college I had to take multiple student loans to pay for my education. The loans included Stafford loans, Perkins loans, and Key Alternative loans. The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX, and finally XXXX. I feel that I was pressured and talked into multiple consolidations that overall were very detrimental to my loan balance. I pursued a career in XXXX XXXX because I knew that after 10 years of service I would be able to receive loan forgiveness in my federal loans. Since the majority of my loans were federal this in theory would have worked out. I was unaware at the after consolidation to a private company this would not be available anymore. The company such as XXXX XXXX did not adequately relay this information to me and talked me into the consolidation. I have just about all of my loan statements. I consolidated one last time with XXXX just because they offered one of the lowest rates. I feel that the companies first listed defiantly preyed upon me as a college student with little money. At this time my balance is XXXX, XXXX this after almost 10 years of full on time payments. At this rate I could have been an XXXX.
Product: Credit reporting or other personal consumer reports

Please have equifax remove this report from my credit report. XXXX its self admitted to the account being fraudulent. Please remove it as soon as possible. Thank you. I have picture of all of the other bureau not reporting except equifax and XXXX admitting the account was fraudulent.
Product: Student loan

XXXX. Unauthorized Access to My Student Loan Records My personally identifiable information, including my Social Security number, loan balance, and repayment history, was accessed without my consent due to federal mismanagement. This breach violates FERPA and my rights as a borrower. If immediate corrective action is not taken, I will pursue legal remedies for damages. 

2. MOHELAs Failure to Process Multiple Loan Repayment Plans I applied for several income-driven repayment plans, including the SAVE Plan, and submitted all necessary documentation, yet MOHELA failed to process my applications, resulting in wrongful charges. Their failure to act has caused financial harm, and I demand full loan cancellation as a direct response to their negligence. 

XXXX. Illegal Late Fees Charged While I Am Enrolled in XXXX XXXX  I am actively enrolled at the XXXX  XXXX XXXX, which qualifies me for in-school deferment. Despite faxing my official enrollment multiple times, MOHELA has ignored my submissions and continued to charge late fees illegally. This is a blatant violation of federal student loan policy. 

I have exhausted all reasonable attempts to resolve this, yet MOHELA and FSA continue to allow these violations. I demand the following actions be taken IMMEDIATELY : FULL CANCELLATION AND FORGIVENESS of my student loan balance due to servicer misconduct and unauthorized access to my records Immediate removal of all late fees and wrongful charges Immediate processing of my repayment plan applications with retroactive application to correct MOHELAs failure A formal investigation into MOHELAs negligence and the Department of Educations failure to protect my data If this demand is not met, I will escalate with legal action, a Borrower Defense claim, a CFPB case, and potential class-action involvement against MOHELA and the Department of Education XXXX 

I have attached some documents for verification. 

If I do not receive a full resolution within 15 days, I will escalate to legal action, public exposure, and direct congressional involvement. This is not a requestit is a final demand for complete loan cancellation due to servicer misconduct and financial harm. 

I expect an immediate written confirmation of corrective action.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I applied for a {$30000.00} personal loan with SoFi via their app. When given the option on the application to provide SoFi with proof of employment/income, there was an option to provide future proof of employment. I have two jobs and one of them was starting on XXXX XXXX. SoFi asked me via their application to upload the offer letter of my future employment, which I provided. I was not given the option to provide a payslip for my second job, but I uploaded that as well. SoFi accepted the documents. On XX/XX/year>, SoFi emailed me requesting that I provide Verification of Employment from my employer. ( Disclosure : Sofi did not indicate in the application that after submitting future proof of employment, that I would have to provide the proof of employment via a form provided by SoFi that my employer would need to complete and send back to them directly ). As instructed, I had my employer fill out the form SoFi requested and sent to the provided email : XXXX. My employer sent the Verification of Employment form on XX/XX/XXXX and XX/XX/year>. SoFi claims to not have received the email nor the Verification of Employment form within the email. On XX/XX/year>, I sent SoFi a copy of that form from my personal gmail that I received from my employer. SoFi did not accept this document because it needs to come directly from my employer. I called SoFi on a recorded line on XX/XX/year>, to find a solution. The would not accept anything besides the Verification of Employment form provided directly from my employer. I have offered my payslips in lieu of that form to prove my employment. SoFi rejected this alternative method of proof. As my credit report was checked at the time of application, I know my employer was listed on it, hence SoFi must have seen this on the hard credit pull. I have my employer listed on my credit report because I signed a contract with them prior to start date of XX/XX/year> and received a signing bonus from them prior to starting, which was received on XX/XX/year>. Me and my employer have fulfilled the obligation SoFi has put on me but has refused to accept any proof that has been submitted. In addition, on XX/XX/year>, I forwarded the email that my employer sent to me with the document SoFi requested, to the email : XXXX. I have not received word of this will be accepted.
Product: Bank account or service

I deposited my XXXX distribution check as I have retired. The amount was XXXX. I deposited the check on XXXX XXXX. Bank of America released XXXX on XXXX XXXX. They are holding the remaining XXXX in till XXXX XXXX. I have called and asked them to please release some of the money and they refused. They asked me why I needed the money and what did I do with the XXXX. This money is mine and they were very rude asking personal questions. I do n't understand why it takes XXXX business days to release MY money. I need the money and they treated me like I was a welfare recipient and I wanted something for free.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that there was not a through investigation done for my credit report and it return with updated information now was given to me as an update result the account from XXXX XXXX account amount {$2100.00} is not mind.
Product: Credit reporting or other personal consumer reports

Transunion ======================== XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX*This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately*** ***Do not add any fraud alerts to XXXX nor Transunion***
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2-19, Experian Credit Svcs . refuses to put on my credit report ALL my monthly payments. 
1. XXXX XXXX is missing XX/XX/2019, and XX/XX/2019 
2. XXXX XXXX XXXX is missing XX/XX/2019 and XX/XX/2019. 
3. XXXX XXXX XXXX has been paid in full as of XX/XX/2019. 
3. Experian has not raised my credit score accordingly. 
All consumer fraud and violations of FCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments XXXX XXXX XXXX Account To Whom It May Concern, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Account Details : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Creditor Remarks : Closed Nature of the Complaint : Inaccurate Reporting : My credit report reflects late payments in XXXX and XX/XX/XXXX. However, I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. The reported late payments ( 30 days late in XXXX and 60 days late in XXXX ) are inaccurate and misrepresent my creditworthiness. 
Discrepancies in Reporting : TransUnion is reporting 30-day late payments for XX/XX/XXXX and 60-day late payments for XX/XX/XXXX. 
Both XXXX and XXXX do not report any late payments for these periods, highlighting inconsistencies in reporting accuracy across bureaus. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates my rights under the FCRA ( 15 USC 1681 ), which requires credit reporting agencies to ensure maximum accuracy of the information reported in consumer files. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation and may violate FDCPA protections for consumers. 
Truth in Lending Act ( TILA ) : The reporting practices undermine the transparency mandated by TILA, which requires the accurate reporting of credit information. 
Additionally, the FCRA ( 15 USC 1681i and 15 USC 1681s-2 ) mandates that credit reporting agencies and information furnishers correct inaccurate or incomplete information. Articles 616 and 617 ( 15 USC 1681n and 1681o ) outline the civil liabilities for willful and negligent noncompliance, including damages for failure to adhere to these provisions. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. Please update my account to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue

may lead to further action to protect my rights as a consumer. Attachments : Copy of my personal identification document Copy of
my recent credit report highlighting the discrepancies Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I show on my credit that I owe XXXX XXXX XXXX XXXX XXXX dollars. Over the last 3 years have gone back and forth with them, that I do not own this debt. I return the equipment and it was received on their end. No one will fix it and than now it is showing up on my credit. I am please asking to finally remove this off my credit as I do not owe this balance and it is unfair to my credit. 
Thank you for your help in advancw
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Transworld Systems Inc. closed account # XXXX in the amount of {$700.00} On XX/XX/XXXX Transworld Systems Inc. placed the same amount of debt that they claim I owe under a different account # XXXX which I have no knowledge of either account or debt. 

Letters of disputes were sent and received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The latest dispute letter I received from Transworld Systems was on XX/XX/XXXX and that stated that account # XXXX was in a dispute status. 

Every time a dispute letter was sent, Transworld Systems constantly sent me a copy of bill from XXXX  XXXX XXXX  which they are using for their METHOD OF VERIFICATION. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute a METHOD OF VERIFICATION. 

As of current, Ive only gotten responses back from the dispute letter Ive sent to Transworld Systems from XXXX, XXXX and XXXX stating that the debt was valid. 

As of XX/XX/XXXX Ive yet to hear back from Transworld Systems Stating how and why the debt was valid with no method of verification. 

Since the debt was last disputed on XX/XX/XXXX, Transworld Systems has again willfully violated the FRCA by not responding to my dispute. 

Transworld Systems Inc has not responded within the required 15 day deadline of sending their METHOD OF VERIFICATION. 

Not only they have not responded in 15 day deadline, but they have not responded to my dispute letter since XX/XX/XXXX. 

I have previously reached out to Transworld Systems Inc. several times with all required documentation concerning this alleged debt. 

I have have asked Transworld Systems for theIr METHOD OF VERIFICATION three times, and three times I have been denied my request for their method of verification and met with NON COMPLIANCE. 

As stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well. 

This is the Information that the credit bureaus are supposed to store in their database on every consumer. 

As well as 609 ( c ) ( E ) As of 09/18/2020 Transworld Systems Inc is still reporting all negative Information about this alleged debt to all three of my credit reports. XXXX, XXXX and XXXX.

I am asking the Consumer Financial Protection Bureau to investigate the non compliance by Transworld Systems and the disputes that i have submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX XXXX {$100.00}
Product: Student loan

I have been out of college for well over 5 years and despite consistent and high monthly payments, my principal balance continues to increase and increase. When I question customer reps at Navient on how I can better my situation, i.e lower interest, or consolidate, or make correct payments to make a dent in loans, I never receive accurate responses. This then has months go by where my principal just grows and grows despite my successful payment history. I ca n't get answers from them and I just want to get on with making these payments so that I can be successful in paying them off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT, and I'm including it again. 
DEPT ED XXXX Balance Owed : {$9100.00}
Product: Debt collection

Sometime in 2018 someone unknown to me got a loan with this company. I have disputed this account several times and the company will not remove this from my credit report. I have submitted proof of my identity and a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I have items passed on that should be taken out or Block. Per FCRA segment 605 the Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including a new ID THEFT REPORT # XXXX once more. I've educated my lawyer regarding my aims and they are eager to consider the Credit Bureaus responsible for their tenacious rebelliousness. The addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX and inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX still reporting on my credit file, again, these items were made fraudulently and I seek to have them completely deleted from my Credit File pursuant of the FCRA section 605b.
Product: Checking or savings account

I am the victim of identity theft. Someone opened a checking and savings account with Navy Federal Credit Union using my personal information. I reported the fraudulent account to Navy Federal Credit Union in XXXX. The accounts were frozen, but not closed. I continue to receive monthly statements for both accounts. I have attempted to speak with the Security department regarding this issue multiple times, however there is always a lengthy hold, and I have not been able to get through to them. 

I have been waiting over XXXX months to have this account closed. 

On XX/XX/2023, my advocate with XXXX XXXX XXXX faxed a copy of the Federal Trade Commission Identity Theft Fraud affidavit, the Navy Federal Credit Fraud affidavit, a copy of my drivers license, and a Limited Power of Attorney- a legal document authorizing XXXX XXXX XXXX to discuss the fraudulent account on my behalf. 


My advocate called Navy Federal Credit Union on XX/XX/2023 and was advised the legal document sent to them was not processed or accepted with no reason for denying the document. 

Per federal guidelines, Navy Federal is required to investigate and close this account within a reasonable amount of time. This has not happened. I am respectfully requesting that this account be closed due to fraud within the next 30 days, and confirmation of that closure sent to me in writing.