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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian Please delete the following accounts : XXXX { XXXX XXXX XXXX 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
Product: Checking or savings account

XX/XX/2018 TD Bank Reversed A Provisional Credit Back To My Checking Account And My Account Is Negative - {$210.00} and my account is being used for Social Security Direct Deposit and TD Bank Claims There Going to Keep Money From My Social Security Check and this transaction was a Fraudulent Charge and TD Bank Denied the Investigation For The Claim USPS And i did not do this transaction please help me resolved this problem TD Bank is Stealing My Money Off My Checking Account
Product: Student loan

My son applied to the university in 2011 and accepted to attend in XXXX XXXX. He received a partial scholarship. He was an A student from XXXX XXXX XXXX. They said it did not cover all the tuition. They told me I had to sign the parent plus loan or he could not attend that school. My son had worked so hard to get accepted, and I could not allow that to stop him because I didn't work. I spoke to the university financial counselors. I told them I was on total XXXX retirement from XXXX. I was forced to sign and they counted it as income. However, I did not work from XXXX XXXX and included proof letter from XXXX and was considered permanently disabled during this period. Sent my application for discharge to XXXX, edvantage, XXXX, XXXX, was told I was going to be discharged, but after covid they said I still owe money. Tried disputing with credit bureaus. 

I have requested they discharge my loan to XXXX, XXXX, and XXXX. I have included further pertinent information and all medical reports from doctors, proof from XXXX XXXX letter, and the application requesting a discharge, I have more documention to present of my illness. Today, I continue to have lupus and fibromyasia and I am in remission. However, when my son was in school I was 100 % totally permanently disabled and did not work from XXXX, I attempted to return to pay this loan because it has not been discharged. Shown all documention I was disabled when loan granted. 

I have paid the loan for more than 10 years, and I still owe the same amount because interest was being paid at 8 %. I have asked they use my forgiveness plan since i worked as a teacher. It was denied. They claim it was a parent plus loan and was for my son. No one will listen or review my information. I need to be forgiven.
Product: Debt collection

I was called by FMS Financial Solutions on XX/XX/2023 in an attempt to collect a debt. The representative asked me about a letter they sent that I never received. Upon letting her know this, she told me that they would be turning the debt over to an attorney and that a judgement would be entered against me. I explained that I was unemployed and the representative insisted that I make a payment of a XXXX XXXX XXXX to prove that I have good intentions. Again, I explained that I was unemployed and the representative said I needed to call family members and friends and borrow the money. I repeatedly told the representative that I was unable to pay the debt, and still, she insisted that I pay it today. She went on to ask me personal questions about if I had a husband or boyfriend who was working and could pay the debt. She asked me where I was staying and how I was currently supporting myself over and over after I already told her I was unable to pay the debt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I have been trying to get the Experian account shut down since XXXX of last year. I was guaranteed that the email address on file and phone number was removed. Both of them being my XXXX XXXX email, because he is the one using my social. I have called already XXXX times this morning with no success of changing any information. I was tossed around to several different employees and eventually hung up on after verifying my stolen identity information. I am not able to verify anything they have on file since my XXXX  is the XXXX most likely to have changed everything. I have concerns about providing an updated address, because he is my XXXX  and I don't want him knowing where I live. I expressed this multiple times to anyone that would listen with a response of " let me send you to someone else '' only to get hung up on! How the XXXX does it make any sense to provide updated information that my XXXX  with have access to either way?! What the XXXX are the bureau 's doing to protect XXXX XXXX XXXX so that there XXXX  doesn't find them by providing an address? Nothing has been resolved with Experian. 

I had a credit report ran on me middle of XXXX by a hospital I visited which also put me on the radar for him knowing where I am! 

XXXX are you guys doing to protect XXXX?!?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as SSN and DOB in order for it to appear in your personal credit file. The Credit Bureau has not updated the information and per the new law, true Bankruptcy listed does NOT include this information and should be deleted from my credit report.
Product: Credit card

I applied for, and was approved for an American Express Platinum card in XXXX of 2024. A signup bonus of XXXX points was advertised for meeting the spending limits for this card, which I subsequently met. However, I never received this bonus. When speaking to American Express, they mentioned that their terms and conditions explain that not everyone is eligible to receive the bonus- which I understand. However, they also claim that applicants will be notified prior to submitting their final request for the card if they are not eligible for this bonus for whatever reason. American Express claims that I was shown a notice saying I was ineligible, but I was not. At the very least, there should be some sort of record of this denial that I might be able to review - an email, a notice in my account, etc. Had I known I was ineligible for the bonus, I would have never spent months meeting the spending requirements or paid the {$690.00} annual fee.
Product: Credit card or prepaid card

I have called Genesis FS Card Service about they keep billing me and I do NOT have their credit card, When I first got it, I cut it up because I didn't want to use it. They keep billing me and I haven't been the one who is using this account. Every month they keep billing me and I told them that I don't even have their card and asked why they keep sending me a bill. I have been paying every month but this has got to stop. I even told the man that he should look into this because I have NOT been using this account. I just received another bill and my last supposed to had been {$29.00}, and I paid them and wrote on the bill, PAID IN FULL but I keep getting bills from them. The only card that I ever use is my Debit card from XXXX XXXX so why are they people keep sending g me a bill over and over again. I told him to close this account but they haven't, they just keep sending bills to me. The man was very rude when I tried to tell him that I do NOT have their card or charge anything to that account. He just got smart with me and told me to keep paying.
Product: Credit reporting or other personal consumer reports

TransUnion conglomerate for violations of the Fair Credit Reporting Act. The TransUnion company failed to take steps to ensure the rental background checks that landlords use to decide who gets housing were accurate. The company also withheld, from renters, the names of third parties that were providing the inaccurate information. 

I put at risk of wrongful housing denials because TransUnion failed to follow the law. 

These reports increasingly use black box algorithms, relying too often on inaccurate or misleading information, to produce a renters risk score or to make a recommendation to landlords. This score or recommendation can conceal false information from scrutiny by either landlords or renters and make it difficult to impossible to correct inaccurate information. As a result, people are denied housing, charged more for housing, spend longer finding housing, and incur more housing search costs.

In todays joint complaint, the CFPB and the FTC allege that the company : Failed to take steps to produce accurate reports : The company violated the Fair Credit Reporting Act by failing in numerous instances to take steps to assure the maximum possible accuracy of eviction records in its rental background check reports. For example, the company failed to assure that its reports reflected the current status of public records. This included failing to share information showing that an eviction was dismissed and not preventing the inclusion of sealed records or multiple entries about the same eviction case. As eviction data is often weighed heavily in assessing rental risk, inclusion of inaccurate and duplicative eviction information is particularly harmful to renters and their families. 
Failed to identify who provided inaccurate information : When the company obtained criminal and eviction records from third-party vendors, it failed to identify the third-party vendors in its disclosures to consumers. Instead, the company told people that criminal and eviction records were taken only from the jurisdictions where the proceedings took place. People trying to find a place to live did not know it was a third-party vendor that they needed to contact to correct inaccurate information. 



I have been a victim of the info above, and would like to take action, or needing to know what are the next steps of this issue?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$320.00} ; 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
Product: Credit card or prepaid card

Someone was able to open a credit card in my name with just my social security number. All of the other information was wrong so Capital One should have caught this. I was able to close the credit card with Captial One but this person still has my social security number and I would like to press charges if possible.
Product: Debt collection

So a couple things wrong. The credit card company is capital one, who XXXX credit funding claimed they reached out to. I had reached out to XXXX XXXX XXXX because I had paid off a debt of two separate credit cards around the same time. I reached out to them when I saw that they were attempting to re-report a debt that I had paid. When I reached a settlement deal with the debt collection both credit cards were updated on my credit report as settled and had a balance of XXXX for about 1 year and a half after. Fast forward to recently and I had called them to dispute and they eventually sent a letter saying that the debt was valid. It doesnt make sense that the debt was cleared from my credit when I paid both debts off and they come back and say that I owe them a {$3000.00} debt again. So they re-reported it on my credit report and put an update to my balance that went from {$0.00} ( settled ) to a now balance of XXXX. The second problem is that the report is now showing that the debt was made in XXXX when originally everything was back closed and settled in XX/XX/XXXX which is what originally was on my credit report and it was opened in XXXX XXXX. I would like this removed from my credit report because both accounts were settled just for them to come back and say I owe {$3000.00} all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

im not sure when the account was open but i start receiving calls i contact the company and credit companies advise them of the issue and incorrect information the item is still floating on my accounts and i am still getting calls it has been months i am sure the company received the complaint directly from the credit company
Product: Debt collection

Ive tried several times to speak with someone at the apartment complex to get documentation on lease. Every time i speak to someone they tell me all back and then I get no answer. Ive tried disputing it with collections company 3 or 4 times its been in dispute well over 30 days. They keep saying its verified and updated ..now and still showing on my credit report.. I spoke with someone today and now they want to send me a fraud package, but wont send me the documents I asked for
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of id theft/mixed file see attachments
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ( Original creditor : : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ( XXXX  XXXX ), ( XXXX XXXX ) XXXX XXXX XXXX XXXX ) has violated my rights I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an inaccurate account from XXXX XXXX XXXX XXXX for {$1300.00} ( 3 times ) since XX/XX/XXXX.  This is an inaccurate account. I do not owe this company.
Product: Student loan

Hi, I consolidated my school loans with XXXX XXXX under the belief that my payments would count for eventual loan forgiveness after 120 consecutive payments. I am a full time local government employee and my employment was certified, but after 5-6 yrs. of payments, I have been told that none of those payments would go toward the forgiveness program. I was misled by XXXX XXXX. I recently consolidated with the right program after I sent the certification forms and found out. 

Something should be done. It's not right that I was misled. I went back to school at night and on weekends. I did so as a single custodial parent. This type of program would be very helpful to my financial situation. 

Please advise how this can be remedied. I made on time consistent payments through auto-deduction and it's not right that nothing can be done. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 use 1681. 

Account Name : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Bank account or service

On XXXX XXXX, 2016 there was a deposit in my account of XXXX and more dollars and buy the on that same day I had withdrew {$200.00} leave old me {$200.00} plus answer by Monday one of the companies that would draw a monthly had taken out their portion of XXXX. Over the weekend the account was in - {$3.00} by Monday when I would deposited the XXXX that left the account with a few dollars left over and the company money was taken out by Wells Fargo. By Wednesday or so I recieved a call from the company I 've been dealing with that takes out money they informed me yet they have not been paid. When a calling Wells Fargo one of the representatives had an attitude and basically told me there was nothing they can do for me because I 'm not understanding where my money went when I clearly understood once they took out my money they have replaced it on Tuesday of XXXX which they had and for me as well and then came back on that Wednesday and told me I was negative and I can pay for anything which does n't make sense because the other bill is XXXX so if I have XXXX in the account why ca n't XXXX XXXX bill be paid this cycle became very repetitive and irritating
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 items listed on my credit report as collections from the Company XXXX XXXX ( 1 ) {$850.00} and ( 2 ) {$980.00}. I have sent certified letters to dispute these charges to the credit bureaus and to the XXXX XXXX agency to no avail. ( Letters were sent XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. ) They continue to say the debt is valid, with no evidence of such. However, per my insurance XXXX XXXX XXXX XXXX - there are no claims from providers for these amounts. I am requesting that both items be deleted from my credit file. I have no other collections and this is a hardship and burden to me and my family.