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

I am filing a complaint regarding a collection account being reported by Credit Systems International that does not belong to me. The account lists XXXX XXXX as the original creditor, but I have never had any obligation to pay XXXX XXXX. On XX/XX/scrub> 2024, I submitted an FTC report to XXXX XXXX, and they informed me it would take 30 days to remove this information. However, the account is still being reported. Credit Systems International has never contacted me regarding this alleged debt, nor have I received any correspondence about it. 

Additionally, Credit Systems International has violated FDCPA regulations by reporting inconsistent open dates, last reported dates, and date last active across all three credit bureaus. These discrepancies indicate that the account has been re-aged, a deceptive and unlawful practice used to extend the reporting period of a negative account. This is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, Credit Systems International has failed to comply with FDCPA 809 Validation of Debts, which requires debt collectors to provide proper validation of a debt upon request. I have never received a validation notice regarding this account, nor have I been given an opportunity to dispute the debt before it was reported to the credit bureaus. This failure to provide verification further proves that the account is being reported unlawfully. 

I have also attached evidence showing that my information has been compromised in multiple data breaches, further supporting my claim that this account is not mine. I am demanding that this account be removed from my credit report within 7 days. Failure to comply will result in legal action for FDCPA and FCRA violations, as well as compensation for financial harm and emotional distress caused by this inaccurate and unlawful reporting.
Product: Student loan

This complaint is in combination with complaint # XXXX submitted on XX/XX/19. American Education Services continues to demand payment of these student loans, completely violating the automatic stay from my Son 's bankruptcy. Attached is another letter we received from them now demanding payment from co-signer. Something needs to happen to stop the servicer. They continue to persist in the communication even though we have provided them information on the bankruptcy and the previous complaint I filed with CFPB. I am now going to ask the Bankruptcy Trustee to fine this company for the continuous violation of the bankruptcy law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. XXXX
Product: Credit card

Discover Financial Services credit card used for hotel booking. Hotel didn't have hot water upon check-in, agreed to a 30 % discount in writing. Since hotel, XXXX XXXX in XXXX, XXXX  did not have staff able to refund directly to the Discover card, I initiated a dispute. Provided agreement from XXXX XXXX, in the form of an email, to Discover card. Discover did not resolve the dispute, responding with the vague wording of : " We can not, however, continue further with the investigation on your behalf with the merchant based on the reason you have provided for requesting to dispute this transaction. ''
Product: Debt collection

I found out that I own {$1400.00} By court document. I never open a credit card with XXXX XXXX  I ask the collector company to sent me the contract show me my signature, they never did. They suppose open this credit in XX/XX/XXXX - 2014. The company name is Midland Credit Management
Product: Credit card or prepaid card

My account due date is on the XXXX of each month. On XX/XX/22 I logged into the app to process my payment at XXXX EST. It showed my payment would not process on time since it was after a XXXX EST cutoff. I had no knowledge of this and thinking it was an error, I tried again but ultimately ended up calling customer service. I was told the app was accurate and the cutoff time of XXXX is shown on page 3 of my electronic billing statement. I disconnected without paying to investigate and found no statement in my email account. So, I called into customer service again. The next representative told me my statement showed as sent electronically. I disputed this and explained I keep all my records and nothing was there. I also usually get a payment reminder via email each month and found nothing was sent this time. The representative said they do not send reminders but I have records proving otherwise. I was told there was nothing that could be done about the fees. The representative told me as a courtesy that beginning in XXXX they were changing cutoff times by 1 hour. So now payments must be made by XXXX EST. I have received no notice of this change as a cardholder and according to the company website their cutoff time is XXXX EST. With this in mind, my payment would have been on time and would negated any late fee IF I hadn't gone through 2 representatives before ultimately paying on the app. According to my research, code 1026 states the cutoff times must be clearly identified on the billing statement. This is not the case and no notice was given to educate consumers on a new cutoff time. It is only found in small print on the last page of the statement. 
Furthermore the website provides misleading information of cutoff times. I've never been late on this account until now which resulted in a {$30.00} late fee. I was given a one time credit of {$15.00} through the automated system on XX/XX/22 which will be credited within the next 1-2 billing cycles. I feel the creditor is acting in an unethical manner and would like this to be looked into further please.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC 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 DEPARTMENT OF EDU US DEPT ED XXXX 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 DEPARTMENT OF EDU US DEPT ED XXXX XXXX XXXX XXXX XXXX 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 DEPARTMENT OF EDU US DEPT ED XXXX
Product: Debt collection

i never received anything stating that i owed this company money. My first time seeing this is when i pulled my credit report. Never got a notice in the mail nothing.
Product: Debt collection

My account was incorrectly sent to collections by XXXX XXXX. My credit card was lost and replaced. It was an auto-debit and I was no longer attending the gym. Even though I was not informed by any means of an outstanding amount. I got a letter from Aldous and Associates in Utah that I had a balance. 

I went to XXXX XXXX and paid the balance in full. I have the receipt. XXXX XXXX said they will clear the item with Aldous and Associates. I also spoke with Aldous and the rep assured me that they will make contact with XXXX. 

Fast Forward, there is a collection item that dropped my credit score by XXXX points from XXXX. I was under contract for a property and lost my deposit. 
The negative item was added on XX/XX/2022 and I made payment on XX/XX/2022. The collection letter was dated XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a inquiry on my credit report that I did not authorize.
Product: Money transfer, virtual currency, or money service

Overdraft fee ATM didn't give money and Wells Fargo took over XXXX $
Product: Credit reporting or other personal consumer reports

This information is very wrong, I do not recognize that it is mine, I have many problems to also have this, I want them to delete everything that is not mine XXXX $ XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX {$0.00}
Product: Student loan

I have been receiving more than one call a day from Navient with regard to my outstanding balance on my student loans. Because both my husband and I carry outstanding balances on student loans, we want to consolidate our loans and apply for income based payments. Navient has denied me that right, claiming that because the loan they are calling about is a " private '' loan they can not speak to the facts about my subsidized and non-subsidized loans. They have given me options to make payments towards only the private loan for which they call about and they refuse to entertain that I can not afford the payment options they are giving me. This is above and beyond the fact that the institutes who sold me my education falsely promoted wages and career opportunities to get me to go to them. I can not afford to hire an attorney to help me with this issue. I have applied to the Borrowers Defense on https : //studentaid.ed.gov and I am patiently awaiting someone to contact me to help. Furthermore no one at Navient has responded to my request for documentation to review from my original loan ( s ). What can I do? Where can I turn?
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

I have been paying on this loan for 2 years until I could no longer afford to do so. Interested continued to rise and I could no longer afford to make payments on this debt.
Product: Debt collection

Sherman originators LLC have bought some of my personal loan and credit card debts. They are a collection agency that are very aggressive from what I understand. But I am currently almost in my second year of my XXXX  XXXX bankruptcy so theres nothing they can do against me. I am asking for this company to contact XXXX XXXX XXXX XXXX to let them know these loan and credit card accounts they bought are closed accounts and not open. My XXXX  credit score is being hurt badly by this company that shows my accounts as being open still. When actually these accounts have all been closed as of late 2022. When I first filed my bankruptcy XXXX XXXX in XX/XX/year> 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, understand my rights as a federally protected consumer. 15 USC 1681 was created to insure that credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the definitions section of 15 USC 1681a, a 'consumer report ' is defined as any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

In 15 USC 1681a ( d ) ( 2 ) it specifically outlines items that are supposed to be excluded from a consumer report. Under exclusions, 15 USC 1681a ( d ) ( 2 ) ( B ) it states : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The definition of 'credit ' in 15 USC 1681, is the same as the definition of credit under 15 1691 which means, 15 USC 1691 ( a ) ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. 

Additionally, a credit card is defined as the same term from 15 USC 1602 which means : 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Therefore any extension, alleged extension, or approval of credit directly or indirectly by the issuer of a credit card or similar device should be excluded. 

The follow accounts are being reported in violation of the above mentioned statue : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX XXXX XXXX  XXXX Additionally, 15 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The credit reporting agencies do not have my written instructions to produce a report in my name in the first place. Without my written consent and instruction, the agencies are acting without permissible purpose. Also, using my social security information without my consent is a form of identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a follow up complaint regarding the unresolved attempts I have made to remove fraudulent items from my credit report. I have diligently followed the necessary procedures, including filing disputes and providing supporting documentation, on multiple occasions, yet these fraudulent entries continue to tarnish my credit history. To provide context, I first noticed the presence of fraudulent items on my credit report Since then, I have taken the following actions : I promptly contacted your agency and filed a dispute regarding the fraudulent items on. I provided all requested documentation, including a copy of the police report filed for the identity theft. I followed up on the status of my dispute, and I was informed that the investigation was underway. After receiving no resolution or update on my dispute, I filed a second dispute. I reiterated my concerns and provided any additional evidence requested. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX XXXX ; XXXX XXXX Balance : {$2100.00} ; XXXX XXXXXXXX Balance : {$6200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

first order of business my credit profile is reporting addresses that are not associated with my social security number, i would like them removed from Experian, XXXX, and XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX also Experian is reporting that I have applied for two XXXX XXXX credit cards ( 2022 ) that was false, but that information has been posted on my credit report i would like it removed i did not make those inquiries. 
XXXX XXXX XXXX inquiry ( 2022 ) i need it removed Experian is refusing to honor my wishes
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian on XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I authorized Citibank to wire to XXXX XXXX XXXX XXXX in XXXX, the amount of XXXX ( XXXX XXXX ), which at the time equaled {$9600.00} USD. The money was taken from my account on that day, but the intended recipient never received it. 
I have complained to them several times and finally submitted a formal complaint dated XX/XX/2021, of which is acknowledged in a letter from Citibank, attached. 

Subsequently, I have been talking to them through their website chat venue ( attached ), and I consistently called them. They keep saying that they're working on it. I ask to speak to a supervisor and only once in the XXXX months did I finally get through to a supervisor. He sounded like he's taking care of it, but nothing happened. 

The intermediary bank that they used to do the transfer was XXXX. I don't understand the problem, let them get their XXXX branch on the phone and work this out. Why must I suffer?! 

Finally, on XX/XX/2021, I get a letter from Citibank saying the following : " Based on the information you provided and the results of our research we determined that the funds were not made available to the recipient for the amount mentioned in the disclosure. '' They even posted a credit in the amount of {$35.00} for the wire transfer fee and {$22.00} for the third-party fees to my account. So, they credited me the small money, because they failed on the wire transfer, but the wire transfer itself, they didnt reimburse yet. 

I got the wire fees back, but the {$9600.00} is still not returned to me. 

I have been asking them for XXXX months to just recall the wire, or pay me back, because it was never received. 

I even called the bank in XXXX and spoke directly to the bank manager. He told me if Citibank recalls the wire, he will send it back. 

This should not be my problem. This is a screw-up by the bank, and they should reimburse me immediately while they continue dealing with it. I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Mortgage

Started a loan application to purchase a new home with Capitol One Mortgage on XXXX XXXX, XXXX. The loan officer overlooked a document explained in attached XXXX page verification of incident described here which led to my credit score of : XXXX at the time of this loan application which dropped to XXXX as of XXXX/XXXX/XXXX over XXXX credit pulls by Capitol One Mortgage as proven by XXXX. In addition to an issue with XXXX error in a failing to mail a new credit card with bill to correct address ( as reported to cfpb on XXXX/XXXX/XXXX ).