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

These accounts were previously disputed and removed ; however, they were recently added to my consumer file either under a new lender OR through the previous lenders. My student loans were dismissed under the Sweet v Cardona Settlement and I received documentation from the Department of Education on XX/XX/2023 ( enclosed ). These loans recently appeared on my consumer report under a new lender XXXX XXXX. 

As per 20 U.S. Code 1232g - Family educational and privacy rights ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings ; written explanations by parents ; definitions ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping ; ( D ) in connection with astudents application for, or receipt of, financial aid ; ( E ) State and local officials or authorities to whom such information is specifically allowed to be reported or disclosed pursuant to State statute adopted ( II ) the officials and authorities to whom such information is disclosed certify in writing to theeducational agency or institutionthat the information will not be disclosed to any other party except as provided under State law without the prior written consent of the parent of thestudent. [ 1 ] ( 4 ) ( B ) With respect to this subsection, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of thestudent. If a third party outside theeducational agency or institutionpermits access to information in violation of paragraph ( 2 ) ( A ), or fails to destroy information in violation of paragraph ( 1 ) ( F ), theeducational agency or institutionshall be prohibited from permitting access to information fromeducation recordsto that third party for a period of not less than five years. 

Furnishing this information to my consumer report is a violation of this federal law and was provided with out my authorization or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was discharged in my bankruptcy case ( XXXX District of IL XXXX ; discharged XX/XX/2008. ) It was dischargeable under the Bankruptcy Code as it was a private educational loan that was issued in an amount greater than the Cost of Attendance at my school ( I had already received a Pell Grant and Federal Student Loans directly from the college up to my Cost of Attendance that same semester ). Notwithstanding the bankruptcy discharge, this debt continues to be reported on my credit. I have disputed this debt multiple times with all 3 credit bureaus to no avail. 

This debt originally had a co-signer, and while it may be appropriate to continue to report on behalf of the co-signer, it is no longer appropriate to report it under my name.
Product: Debt or credit management

I am writing to file a complaint against Lexington Law regarding upfront fees I was required to pay, as well as consistent monthly fees for credit repair. This issue aligns with the CFPB findings against Lexington Law for similar practices. I believe these practices are unfair and request an investigation into account history between XXXX.
Product: Credit reporting or other personal consumer reports

To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? 

Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 

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
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. 
Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. Cap One - XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the unresolved issue of the late opening of my account. Despite previous attempts to rectify this situation, the problem persists, causing significant inconvenience and concern. 

The delay in opening my account has had serious consequences, including missed opportunities and financial inconvenience. It is imperative that this matter be addressed with the utmost urgency to mitigate any further impact on my financial affairs. 

I demand immediate action to rectify this situation. I expect a full investigation into the root cause of the delay and a clear plan of action to ensure that such delays do not occur in the future. Additionally, I insist on compensation for the inconvenience and financial losses incurred as a result of this delay. With this, I am asking for your assisstance to correct this late open account in my credit file : XXXX XXXX XXXX Balance : {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is referencing a previous dispute for an XXXX Acct ending in XXXX, also from a previous CFPB Complain # XXXX and most recent equifax dispute XXXX XXXX. 

So currently this is XXXX dispute for same errors which still have not been corrected by Equifax which seems to be impossible when i have supplied invoice and payment records directly to equifax, which continues to state they have verified information for the acct ending in XXXX as correct. 

# 1 acct showing as open and was closed by creditor on XX/XX/XXXX but eguifax still showing as open.. 
# 2 Equifax shows the acct late for XX/XX/XXXX, i previously supplied invoice from XX/XX/XXXX showing payment due {$84.00} by XX/XX/XXXX, and show acct statement for XX/XX/XXXX showing a payment of {$84.00} made on XX/XX/XXXX which means there was no late payment in XX/XX/XXXX. 

Which means equifax is not doing a real good faith investigation, considering i have supplied supporting documentation for the past XXXX disputes but equifax has failed to remove the errors, or delete the inaccurate information. 

So being this is my XXXX dispute of the exact same errors, i want this acct removed from the report considering there was a 30 day period for them to correct these errors and some of these investigation have been closed as soon as 2 weeks by equifax.I am currently being told i should seek legal representation because even with the evidence i keep providing equifax fails to correct these obvious errors, so i want this to be on record for future litigation, so i am documenting i have tried XXXX  times to get my credit report corrected, since i am being turned down for credit because of the inaccurate payment data on acct for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems like every year the credit bureaus removes all of my history rating data and every year I have to come back and file a complaint in order for them to fix it. I have contacted the creditors, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX Department of Education by way of the student loan database to see if anything has changed and it has not. All account have been reporting through the national student loan database since 2004, while reporting all transfers and consolidations, as " paid consolidated accounts '' the credit reporting agency has the status as multiple statuses not matching what is being reported by the creditor. I have consolidated 6 times since 2004 with the last 4 consolidations being removed by XXXX, Equifax and XXXX. Now they are removing my history ratings from those installment loans and am being givin a hard time for them to put the information back. That is close to 20 years of installment loan history removed from my credit report and the loans are NOT CLOSED!
Product: Debt collection

Contacted by Account Control Technologies in XXXX of XXXX. Informed them not to contact me at my place of employment and to email or hard copy mail all correspondence to my residence. They called a few days later at my place of employment even after being informed. Spoke with several representatives including XXXX XXXX, XXXX XXXX, XXXX XXXX. Found that they had an incorrect address for me and I had not received any documentation prior to this contact. They had " XXXX XXXX '' instead of " XXXX XXXX. '' Never received any documents prior to this phone call. Signed rehabilitation agreement on XX/XX/XXXX. Signed for them to auto draft my checking account on the XXXX of each month of {$5.00} for 9 months. Emailed copies of 2 paychecks on XX/XX/XXXX as per their request. Requested an amended letter stating the actual amount due two times via email and have not been received as promised by XXXX XXXX. Their letter reflects amounts including a charge of {$2400.00} collection fee and a charge of {$520.00} interest fee. Was informed in writing via email on XX/XX/XXXX to not contact me via phone but by email / letter only. Resent paycheck copies on XX/XX/XXXX. Was informed that all collection calls, tax refund offset would not occur, etc. and credit reports would be updated showing payments if payments were made on consistent basis. Which they have been since XXXX. Contacted ACTS on XX/XX/XXXX, XXXX found they did take my XXXX tax refund of {$4900.00}. They also took XXXX refund of approximate {$6000.00}. Was bounced around to four different representatives, given the run around and told I was misinformed of the agreement. Also, XXXX XXXX was completely unprofessional and threatened to contact my employer to garnish my wages. A man by the name of 'XXXX XXXX contacted my boss on Tuesday XXXX XXXX, XXXX and left a voicemail which we have a recording of. This company is fraudulent, harassing and dishonest. All communications have been documented. I refuse to speak to them anymore via telephone. XXXX XXXX also informed me that sending an email is a courtesy?? After researching this company have found many complaints on these same issues and more. They need to be investigated thoroughly. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out because I have reached out to XXXX multiple times stating that the account attached ion the FTC report sent and they have done thing.
Product: Vehicle loan or lease

i purchased a car from this " dealership '' in XX/XX/2021, the day i purchased the vehicle the check engine light came on, i alerted the dealer immediately and he assured me he would fix the problem. Over the next 3months i had to take the car back and forth to the dealership and each time he claimed the mechanic was fixing my car and it was never fixed. the car broke down on me in early XXXX, i got a ride to the dealership to talk to him about what happened and instead of having the car towed from my house he sent an employee to my home to put water in it and drive it back to the dealership. about 3 days later he called me and assured me the car was ready and fixed and he alleged he had taken my car to a XXXX dealership to be repaired, when i asked for an invoice or diagnostic paperwork from him he could not produce it. after driving the car get the back home it broke down again in a parking lot. XXXX ( the dealer ) finally had the car towed to him on around XX/XX/2021. he called me to state the engine was blown and had to be replaced. i have had no contact with the dealer or anyone from the company since, he has stopped answering all calls or text messages. he has been holding the vehicle since this incident. i have spoken with sever representatives from the finance company and have been advised he is avoiding any contact with them also and that the only recourse is to get the dealer to buy back the loan so my account can be closed. i am currently stuck with an open loan for a car that doesn't run and has not been in my possession for months.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 
Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX XXXX 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 instruction 's 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CONTINUE TO VIOLATE " FCRA '' SECTION 607 AND 609 ... VARIOUS ID XXXX  ACCOUNTS ON FILE NOT MINES, NEVER DONE BUSINESS WITH COMPANIES AND ACCOUNTS OUTDATED REPORTING ... REMOVE ALL FRAUD ACCOUNTS LISTED : " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX '' EXPERIAN REPORT # XXXX XX/XX/2020
Product: Vehicle loan or lease

As of XX/XX/XXXX I've made several attempts to resolve the issues with this auto loan w/ Santander Consumers U.S.A. I have also made many payments totaling at least {$19000.00} towards this auto financing acquired w/ Santander Consumer U.S.A , which does not do refinancing of their predatory auto loans. This Loan started on XXXX XXXX for a USED XXXX XXXX purchased at a XXXX Dealership with me paying a {$5000.00} as down payment w/ a monthly payment of {$630.00} w/ a 26.9 % annual interest rate. On XX/XX/XXXX I had spoken with 3 representatives in their Escalation Service Dept. and every single one fails to allocate payments correctly towards the principal amount of the auto loan. I have all the details of this communication and h this was one of the many calls made to Santander Consumer U.S.A. This bank also fails to accurately report my payments to the 3 credit agency, which by reporting inaccurate information has prevented me from being able to refinance this predatory auto loan with another bank fro a lower rate. And another problem with Santander Consumer USA is that even while making payments on time with the 30 days of the month in which the payment is due Santander COnsumers U.S.A collection department keeps calling my telephone number with " ROBO CALLS '' for collection and collection calls. Now they have been sending e-mails stating that they don't have my correct telephone number, which is a lie from their behalf as the automated system always verify and recognize my telephone number when I call every month to make an ACH/debit card payment over the telephone. Please Help as this is " highway robbery '' to say the least.
Product: Credit card or prepaid card

I applied for a credit card from Capitol One to build credit. I have never received the card.. I have called them many times bill about it, told the same thing, No one can tell me why I have never received the card. So now they are sending me a bill for a credit card I have NEVER EVER had or used. When I called I was told I had to pay the bill, it would show on my credit. I just received a bill for {$110.00} for something I have never had or used. The last time I called I was put on hold and no one ever came back to the call.
Product: Debt collection

On XXXX XXXX, XXXX XXXX, XXXX served me with a Summons for Civil Case Number XXXX, In Magistrate 's Court dated XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , South Carolina XXXX ( XXXX ) XXXX ( XXXX ) XXXX I live in XXXX, South Carolina which was declared a disaster area in XXXX and XXXX, in the complaint plaintiffs states " Defendant used the account to and/or authorized to use of account to obtain cash advances and/or make purchases and/transfer balances from other accounts '' I was never authorized to use the account, obtained cash advances, or transferred balances from other accounts by the Plaintiff XXXX XXXX XXXX. I contacted Frist National Bank XXXX Omaha to make arrangements to pay the account and A representative stated they could not help me. 

On XXXX XXXX, XXXX Attorney XXXX filed summons XXXX, which is my daughter birthday and the same day President XXXX, I think this is unfair business practices and harassment, therefore I am requesting an investigation into Attorney XXXX, XXXX, XXXX, and XXXX XXXX XXXX business practices. 

I
Product: Credit reporting or other personal consumer reports

: Subject : Failure to Process My Dispute Despite Providing Required Documentation Dear Equifax, I am writing to express my frustration with your continued failure to process my dispute and investigate inaccuracies on my credit file, despite having submitted the required documentation multiple times. 

I have already provided the following information on numerous occasions, as requested : My full name and any former names. 
My current address and previous addresses ( if applicable ). 
My date of birth. 
Documentation verifying my identity, including a copy of my government-issued ID and proof of address ( e.g., utility bill and/or pay stub ). 

Despite my compliance, I continue to receive generic responses asking for the same documents, with no resolution or updates regarding my dispute. This repeated failure to process my request and verify my identity is not only unacceptable but also a violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 

Please take immediate action to resolve this matter by : 1. Processing my dispute promptly.

2. Conducting a thorough investigation into the inaccuracies on my credit report.

3. Providing a clear explanation for the delays and why my previous submissions were not accepted.

If this issue is not addressed promptly, I will have no choice but to escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies.

I expect a timely resolution to this matter. Please confirm receipt of this communication and provide an update on the status of my dispute. 
Fraudulent paycheck stubs were used without my consent or knowledge making this charge off account and loan amount voided and unenforceable Sincerely, XXXX XXXX You can customize this letter further if needed, adding more specifics about your situation.
Product: Checking or savings account

On XX/XX/2020 I received my CARES act {$1200.00} payment into my Chime account. My vehicle and debit card were taken without permission by my ex-girlfriend. She then stole approximately {$560.00}. Upon realizing such theft occurred and confronting the thief, I was violently attacked and sustained life-threatening injuries. XXXX XXXX in my head and a XXXX XXXX XXXX. After being released from the hospital, I contacted Chime about the theft. The thief fled the area after attacking me, and was not able to be located by police. Because of it being an active investigation, the police could not release the report to me yet. However, warrants for her arrest were issued for " FRAUD ; CREDIT CARD THEFT MORE THAN {$100.00}, AGGRAVATED BATTERY CAUSE GREAT BODILY HARM OR DISABILITY, DOMESTIC BATTERY BY STRANGULATION ''. Chime 's Disputes team did an investigation, and determined " no error occurred ''. I challenged this determination, and requested a rebuttal. I was informed rebuttals take up to 45 days to complete. Over 60 days later, I contacted Chime regarding the rebuttal. I was told that they determined I did not provide any more information and they stood by their initial decision. This led to me filing a complaint with the XXXX XXXX XXXX. Chime, upon receiving the complaint via the XXXX, promptly closed my Chime account for " violation of the user agreement ''. On XX/XX/2020 the XXXX XXXX Sheriffs Office and XXXX XXXX XXXX Police Department captured the suspect and took her into custody. This allowed the arrest report to be released to me. I provided the report to Chime, and on XX/XX/2020 I was informed by Chime that they " determined an error did occur '' and that " {$560.00} was credited to your account ''. However, as mentioned before, Chime had closed my account months prior to this. So I promptly responded to their email, and informed them that my account was closed and provided updated direct deposit details. Chime then sent me a generic response stating " Any balance due to you will be mailed to the address on file within 30 days of the account closure ''. That was on XX/XX/2020. As of XX/XX/2020, I still had not received a check from Chime for the {$560.00}. I contacted Chime about this, and received a generic response stating " for security issues we can not release any more information regarding this account ''. I promptly responded with an email asking them to review the case, and transfer it to a supervisor, and not to send me a generic response again. Chime then sent me an exact copy of their first response, stating " for security issues we can not release any more information regarding this account ''. 

Almost an entire year after the theft occurred, I'm still just trying to get the {$560.00} that is rightfully mine. Chime 's conduct is immoral, not right, and straight up illegal.