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

Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute regarding an ongoing issue I have encountered with Equifax Information Services LLC. Despite providing multiple submissions of proof of identity as requested, Equifax has failed to verify my identity, and I continue to experience delays in resolving this matter. 
Here are the details of my case : Full Name : XXXX XXXX Date of Birth : XX/XX/year>XXXX  Mailing Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone Number : ( XXXX ) XXXX Social Security Number XXXX I have submitted the following documents as proof of identity multiple times : A valid government-issued photo ID Utility bills or other proof of address A Social Security card Other requested documentation Despite these repeated submissions, Equifax has not successfully verified my identity, and I have not received any clear explanation for this failure. This ongoing issue is causing significant frustration and disruption, as I am unable to resolve credit-related concerns or engage in necessary financial activities. 
I am requesting your assistance in resolving this matter with Equifax Information Services LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written all three Credit Bureaus XXXX, XXXX and XXXX about my daughters Navient student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. Navient has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that Navient is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. Navient is not the only account passed the seven year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly
Product: Credit reporting or other personal consumer reports

Previously a complaint was submitted on behalf of this negative tradeline on my credit report. 
I see that you all are reporting false and inaccurate information on my credit profile and I am no longer requesting, but demanding a removal of this erroneous tradeline. 

In response you all sent me letter and stated that I allegedly opened an account on XX/XX/XXXX and that you all purchased the account on XX/XX/XXXX. But, you are reporting to the credit bureaus something totally different. 

You are saying my account was opened on XX/XX/XXXX. For one, the date is wrong, and secondly, I didnt open an account on that date, however, XX/XX/XXXX is when you allegedly purchased the debt. So nothing should be reflecting on my credit report as if I opened an account on the day you all decided to PURCHASE A PUBLIC RECORD DEBT Youre also reporting to XXXX that the account is closed and charged off but reporting to XXXX that it is OPEN and I am LATE! Which is destroying my credit profile without consent. 

It is also said in the letter that my account became delinquent on XXXX XXXX but you are reporting to XXXX that my last payment was XX/XX/XXXX.. 


I am requesting this tradeline be deleted, as in REMOVED, as soon as possible, or I will request further action be taken for violating the acts of the FCRA.
Product: Consumer Loan

On XXXX XXXX, I financed a car through XXXX XXXX, who 's financing manager was acting on behalf of Chase Auto Finance. I have an XXXX FICO score and was offered a 3.9 % interest rate for a new auto loan. I asked the finance manager why Chase was advertising lower rates ( 2.49 % ) on their website and he stated I would need to talk to Chase ( after my loan closed ). I contacted Chase as soon as I received my billing information from them and asked why I was n't offered a lower rate, commensurate with my credit score. The agent for Chase could n't answer my question and transferred me to a Chase auto finance manager who informed me that the finance manager at XXXX XXXX ( acting as an agent for Chase XXXX was able to mark up the interest rate to whatever they felt they could " get away '' with. The fact that I could obtain a lower interest rate from Chase for the same term and amount was never disclosed to me. I assumed, as a reasonable consumer, that Chase would offer a competitive loan rate regardless of how it was obtained ( ie. online, branch, or auto dealer ). I feel that Chase Auto Finance and their agent XXXX XXXX engaged in Unfair, Deceptive Act and Abusive Practices by offering the same loan for the same customer at different rates, based upon the acquisition channel and not disclosing as such. I also do not feel that Chase has proper XXXX party oversight for auto financing agents making auto loans on their behalf.
Product: Consumer Loan

I wish that i could mark all of those boxes XX/XX/XXXX while at XXXX mph, my XXXX Chrysler 300 failed and died suddenly, power steering, brakes, lights, everything inoperable, 1. ) XXXX-REFUSED MY CLAIM ALTHOUGH I WAS FULLY COVERED and HAD A COLLISION. 
2. ) CAR WAS TOWED TO XXXX XXXX, XXXX in XXXX, Dealer charged me {$600.00} in repairs, ( {$250.00} replace starter, ) ( {$350.00} in engine inspection labor ) 3 ) XXXX XXXX denies my warranty claiming that the engine died due to gross negligence on my part. They based that solely on a 1 month gap where I could not accoung for oil change receipts. 
4 ) XXXX put the remaining balance of the vehicle owed on my new loan, promised XXXX in rebates for buying a new car. XXXX also used rebates and freebes from manufacturers XXXX, " fix '' chrystler XXXX. 
5 ) I had came in with a XXXX loan approval from MILES program, XXXX pulled a fast one, a bait and switch on contracts, I NEVER PHYSICALLY SIGNED ANYTHING. I set up the madatory alloyment on his computer, and I shook his hand. 
He failed to add GAP and I had to pay {$480.00} cash from my own personal money. he kept the license, title and registration as collateral un y il I had enough a month later. 

I only found out that ally was my lean holder 2 years later when allotments stopped. 
the Chrysler 300 was under a safety recall get o r electronic key failure consistent with my story and I was fooled to think it was the engine by a CHRYSLER mechanic specialist. 
XXXX doubled the purchase price, jacked upp the interests, and made the 300 disappear before I could even ask for it. 
its almost 4 years {$26000.00} was ticket price - {$7000.00} " rebates '' {$1000.00} military discount 48months {$530.00} = {$25000.00} ( original agreement ) 72monthsx $ XXXX= {$38000.00} ( Ally 's cut????? ) refuse to provide " contract '' or statements dealer lost it I never signed it, but Ally reposessed when I got suspicious, and ruined my credit. stole my personal property, and sold at the auction the within 12 hours of repossession. NEVER recieved any mail, or documents please please help, theres so much more, I will explain it all, i hsve recordings, emails, and a compilation of deceit for all XXXX of them ... ... 
they cant get away with this, I am a XXXX veteran
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXXXXXX XXXX XXXX account that was a personal loan for {$300.00} that I paid off in full and its showing potential negative on my XXXX report as well as a capital one credit card that I paid off of balance of {$440.00}. I would like those two items corrected or removed off my credit report please
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX, XXXX XXXX  with account # XXXX and a balance of {$1300.00}. The original creditor is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXXXXXX XXXX Charge account with account # XXXXXXXX XXXX XXXX  with account # XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

On XX/XX/28 I received an email from XXXX saying I have a new credit inquiry, which I did not recognize, for a XXXX card. I contacted XXXX, transunion, XXXX to freeze my accounts. In the morning I had XXXX more credit checks from XXXX XXXX and XXXX XXXX which I did not recognize. I called XXXX  again and this fraudulent person had my account freeze reversed
Product: Debt collection

I was shopping for wireless plans in early-XX/XX/XXXXor may be late-XX/XX/XXXX.  XXXX wireless was one of the plans that I checked out at the time. They asked for my information to check what was available ( I am not sure if they did a credit check ). I finally ended up buying the XXXX   wireless plan. So, I directly switched from XXXX XXXX XXXX to XXXX on all my devices. XXXX was never activated on any of my devices. Naturally I have never used any XXXX service - made no calls, received no calls, used no data. In the process, they enrolled me in some XXXX plan and I started receiving bills to my surprise. Initially, I assumed it was a mistake on their part which would be corrected soon. Later, my account was sent to a collections agency ( XXXX XXXX ). I used the online XXXX dispute-resolution portal to file a complaint with XXXX, which was turned down. Of course, as I had never signed up for the service, they never asked me for any payment information ( such as credit card info ), so they did not charge my credit-card or anything. Then I disputed this Collections account with the credit agencies and it was finally removed after a lot of effort. 
Recently ( around 2 weeks ago ), XXXX has used another collections agency ( Receivables Performance ) to collect the same erroneous bill. I got this new collections account removed from my XXXX  records, but the dispute I filed with XXXX  is still under processing. This collections account has unfairly spoiled my credit record and could be a potential problem in our home-buying process. 
I would request the respected CFPB-officer to look into this matter and help removing this erroneous account from my credit-file, hopefully at the earliest. 

Thanking you, XXXX XXXX XXXX
Product: Checking or savings account

I called BMO Harris yesterday ( XX/XX/28 ) when I realized that payments that were supposed to cease, had continued to be withdrawn. In the middle of XXXX I revoked the authorization for a creditor to take ACH withdrawals biweekly. I sent them a letter stating that they no longer had authorization to take anything out of my account. I also spoke with someone in XXXX and told them i would be manually resuming the payments but it would be initiated on my end. I did attempt to resolve the issue with them and get the payments ( 3 since I revoked authorization in XXXX totally {$350.00} ) credited back to my account with no luck. So I filed a dispute, explained the situation, and she even closed my debit card and got a new one. Here is where BMO is lightyears behind, she said they won't be issuing a provisional credit at all. So even though the transactions are fraudulent because they continued to withdrawal funds after I explicitly told them they they could not and I was revoking my authorization, I get to wait until BMO fraud team investigates and maybe get my money back then? Absolutely not. That is NOT what XXXX outlines for financial institutions when it comes to fraud. I even sent documentation to support my claim to the reps hoping that would speed things along. So here I sit without {$350.00} dollars that I really need because BMO doesn't think they should credit customers while they are waiting for an investigation. Unreal. If XXXX can issue a provisional credit in 12 hours so can you and so should other banking institutions when dealing with fraud. When the consumer does everything right and the merchant fails to resolve, the burden lies on the financial institution and until they have proof supporting anything other than the details of the claim, the money is mine and should be credited to my account ASAP.
Product: Bank account or service

TO whom it may concern I was in XXXX working as a XXXX at the XXXX and left my account info in my book self at home in XXXX and Some how some one got hold of my debit card and pin number for my personal and business and tried to deposit bad checks in my checking accounts and my bank of america accounts was closed! Once I found out what had happen I called and explain my story but they said I was responsible if i did write my pin down in a business folder and I did n't file a police report me being in XXXX and this happening in another state I didnt know how to go about filling. as a result I was banned from bank of America forever! Also I have been reported in the XXXX with fraud on my account not being able to open checking accounts at any bank in any state reflecting my credit. Im a victim for Id theft most likey buy a family member. I am been treated like a criminal. I did nothing wrong. I would like for my accounts to be reopen with the funds that where there when i left XXXX. I think bank of america should have called me when these transaction happen so I could help stopped all of the head ache I had these two years please help my solve these issues thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

As for the past 19 years, I have been trying to fix a problem with all credit bureaus for miss using my SSN and creating a new identity with my daughter 's SSN number. The SSN number got switch while working for XXXX XXXX XXXX in the year on XX/XX/XXXX. Experian has sent me a letter after filing many complaints with CFPB and ignoring everything that has been submitted to Experian. Experian has put loans under my credit report that were not mine in the year XXXX with XXXX XXXX.After filing many complaints against Experian the company sent a letter asking for my personal information on XX/XX/XXXX, received on XX/XX/XXXX. This information has already been sent to Experian on XXXX XXXX, tracking number USPS tracking XXXX XXXX XXXX XXXX. I will not send any more information to any credit bureaus because of what has occurred to me for the past 19 years since XXXX, which is horrible to put me or my daughters in this situation. I have responded to every requested that has been asked of me, except this one because the information has already been generated to Experian in this matter through certified mail with a return receipt. I had credit monitoring insurance and both claims were not processed or I never knew the outcome of both claims number are as followed XXXX and claim number XXXX, which there were no results from either claim I filed on this day of XXXX XXXX know this is a duplicate, but the first one did not upload correctly, so I had to do this after discovering my upload documents did not upload.Thanks
Product: Payday loan, title loan, or personal loan

The loan company received the payment and it cleared my bank on the XXXX of XXXX. However, they didn't " post '' it until XX/XX/2022 so they are charging me late fees. It is crooked.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX ( specifically, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) have filed multiple lawsuits against me in the XXXX XXXX XXXX XXXX XXXX, Commonwealth of Virginia in an effort to collect debts from defaulted private student loans , each loan originating from XXXX XXXX XXXX XXXX from the period of XXXX. Attorneys for the Plaintiff have filed with the court and served upon me a Warrant in Debt for each of the six student loans they are attempting to collect, as well as filed with the court and served upon me a Bill of Particulars for each case as ordered by the court. Included with each of the Bill of Particulars, attorneys for the Plaintiff have also filed an affidavit from a purported employee ( XXXX XXXX ) of XXXX XXXX XXXX, signed XX/XX/XXXX. The affiant makes the same misleading and defective claims that were previously identified in the XX/XX/XXXX CFPB complaint filed in federal district court against the XXXX XXXX XXXX XXXX XXXX. This is evidence that XXXX and XXXX XXXX XXXX XXXX XXXX continue to file lawsuits in state courts fully aware that their claims are deficient and lack standing, thereby knowingly violating the terms set forth in the consent order. 

Attached is a copy of the Bill of Particulars filed by the Plaintiff. The Bill of Particulars filed in my other five lawsuits are identical in form and substance with the exception of the Trust name, along with dates and alleged amounts owed, changed to meet the specifics of each loan. 

Attached is a copy of the XXXX affidavit filed by the Plaintiff. The affidavits filed in my other five lawsuits are identical in form and substance with the exception of the Trust name, along with dates and alleged amounts owed, changed to meet the specifics of each loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian about an account that is fraudulent. Experian stated verified, I requested documentation, contracts or any proof that this account belongs to me. Experian never sent any proof or documents that this account belongs to me. This is my last attempt to try to get this resolved before I file a lawsuit against Experian. According to the FCRA A credit report agency must show proof how an account was verified. Im requesting this account be removed immediately. 

Account : Account Date Opened XXXX XXXX  XXXX XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report a serious incident of fraud and potential identity theft that I have experienced with a company called Credit Sage. I believe it is crucial to bring this matter to your attention and take immediate action to protect myself and others from falling victim to this scam. 
Here 's a detailed account of what transpired : XXXX. On XXXX I discovered a negative account in collections when checking my credit score on XXXX XXXX, which prompted me to seek assistance in improving my credit. 
XXXX. I found a company named Credit Sage that claimed to specialize in credit repair services. They offered to improve my credit score by charging a startup fee of {$270.00} and subsequent monthly payments of {$99.00} until the collection account was removed. 
XXXX. Trusting their promises, I shared all my personal information with Credit Sage, including my social security number, date of birth, and credit-related security questions, as they required these details to identify my identity. 
XXXX. On XX/XX/2023, I became suspicious and decided to research Credit Sage online. To my dismay, I discovered that the company does not exist and came across numerous reports from individuals who labeled it as a scam. 
XXXX. Alarmed by these findings, I immediately contacted Credit Sage for clarification. They assured me that the company was legitimate and guaranteed that I would receive dispute updates by XXXX 
6. However, when I attempted to reach out to Credit Sage recently, they have been unresponsive to my calls, further confirming that this is indeed a fraudulent operation. 
7. I took proactive steps by contacting XXXX XXXX, my credit card issuer, to prevent any unauthorized transactions from Credit Sage. They confirmed that Credit Sage has already been reported as a scam company. 
My primary concerns at this point are the potential misuse of the personal information I shared with Credit Sage and the risk of identity theft. I urgently request your assistance in addressing this matter. Here are the actions I propose : 1. Investigation : Conduct a thorough investigation into Credit Sage and take appropriate legal actions against them for perpetrating fraud and potentially engaging in identity theft. 
2. Fraud Alert : Place a fraud alert on my credit file to heighten security measures and prevent any unauthorized access or fraudulent activity. 
3. Credit Report Review XXXX Review my credit reports for any suspicious accounts or inquiries resulting from the information shared with Credit Sage . If any fraudulent entries are found, please assist in their removal and the necessary steps to rectify the situation. 
4. Consumer Awareness : Raise awareness among other consumers about the existence of Credit Sage as a fraudulent entity to prevent further victims from falling into their trap. 
I appreciate your prompt attention to this matter, as time is of the essence in safeguarding my personal and financial well-being. Please provide me with any guidance or assistance in taking the necessary steps to protect myself and mitigate the potential damage caused by this scam.
Product: Debt collection

XX/XX/18 : Loan company created new loan account and sent XXXX dollars of loan that I don't owe. ( I had preexisting loan with that company with balance XXXX dollars ). School or loan collection company did not notify me of sending this loan before hand, I happened to see it when I logged in to check my preexisting loan. Since then, I called collection company, school, and XXXX  ( I was working with the XXXX to pay off my preexisting student loan ) to get to the bottom. School admitted that they sent the loan wrongly to the collection company without realizing that I have been working to pay off my student loan past 2 years with the XXXX  since graduation of school. School said that they will contact the collection company and fix the issue. 
XX/XX/18 collection company negative disbursement the principal XXXX, account still had a balance of XXXX dollars of interest from the principal that I don't even owe. I called the school and collection company XX/XX/18 contacted both collection company and school to resolve issue of remaining interest it should be XXXX. 
XX/XX/18 account now has balance of XXXX dollars, I contacted the school and called the collection company. 
XX/XX/18 I contacted the school and I sent private message on the collections company website asking them to resolve issue. 
XX/XX/18 I contacted the school to ask for updates or if they hear from the company XX/XX/18 I emailed the school XX/XX/18 I emailed the school XX/XX/18 I emailed the school asking for updates. 
XX/XX/18 I sent private message on the collections company website asking them to resolve issue. 
Since mid XX/XX/XXXX I stopped calling the collection company because their call center people refuse to connect me with upper management or account specialists who handle my problem and keep repeating the phrase the issue has been forwarded to account specialists. 
School forwarded the correct documents for the incorrectly sent loan account to be XXXX out. The company needs to update my account, but has not done so for long time Today there is still XXXX dollar of balance left XX/XX/18