23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This Dispute Item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block this file. 

XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Payments to the XXXX XXXX has been continously made since the account has been opened. The full amount for each month/billing cycle was not made but at minimum half the amount was received. The XXXX XXXX wrote off my account and sent the account to a collection agency XXXX XXXX XXXX - XXXX. The XXXX XXXX is still receiving payments for this account. The wrong amount has been transferred to XXXX XXXX. They are both trying to collect on the same account with different amounts. I received no notice of the transfer of debt. Only my monthly billing statement from the XXXX XXXX whom send confirmation of payment being received.
Product: Credit card

I purchased a XXXX XXXX XXXX from XXXX in XX/XX/year> and applied for the store credit card to receive the promotion of 0 % for 12 months. The purchase total was just under {$1800.00}. I recently received a statement this month with an interest charge of {$590.00} because I was informed this balance was not paid in full by the time the promotion expired. When I called customer service to inquire about the interest charge I was informed if I wanted any of the payments I submitted over the last 12 months to be applied to the promotional balance I needed to call them after submitting a payment to tell them I wanted the payment applied to the promotional balance. I was told I could avoid the interest charge if I paid the promotional balance in full ( {$1000.00} ). I was then informed when a payment is received the payment is applied how they deem fit. I was under the impression the payments I was making over the last 12 months were being applied to the promotional balance since that was the very first purchase made with this card and the reason this card was opened. I have done this with other store credit offers and have never had this experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint. 
On the XX/XX/XXXX I asked for a due date change.

On the XX/XX/XXXX I asked for a due date change. 
I made complaint to the Cfpb on XXXX REQUESTING A DUE DATE CHANGE I made a complaint with the XX/XX/XXXXon XX/XX/30 REQUESTING A DUE DATE CHANGE How many times do I need to ask for a XXXX due date change. 
In XXXX I called 3xs. 2 of those times were to request a due date change. 

it was a clear breakdown of communication in the past. 
How ever to remedy this I requested a due date change for the 3rd. It was explained to me I need to wait for my account to be in good standing. 

I did. 

Now here I am ready to pay my card on the and I get hit with ANOTHER LATE. 
I spoke to XXXX Id number XXXX She informed she couldn't change it. The late fee was because I failed to get confirmation on the late. And the the same information of how I change the due date and the time line in which to do it. 
She informed me Target sent a statement so it's my fault if I didnt see it. 

I told her and the staff before..literally every one in spoke too..I need a set date. I'm in and out of the hospital..I don't check I go in on the 3rd and pay. Per my record I've had one genuine late I've always paid on the 3rd. Because when I forgot my card the operator target said it was ok.

I understand there was a miss understanding. But at this point its very clear.

I trusted you guys to change it when I called 2 other times. 
You failed. 
I don't know your process it's not my job to know. It's my job to pay on time. And if I cant request a due date change Via phone in the time that was stipulated by Target.

Which I've done in the time line you given me by 2 of your operators. AND IN WRITING 2XS via cfpb and bbb. All times my account was in GOOD STANDING. 

I dont feel like that's ethical for your staff to not change it.. then charge me a late fee. Then make it seem like you didn't know or I failed in some manner to ensure your staff follow thru.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the ongoing failure to remove fraudulent items from my account, despite multiple attempts and escalating complaints. Despite my persistent efforts and cooperation, the fraudulent charges persist, causing significant financial and emotional distress. 

The persistent presence of fraudulent charges on my account not only undermines my confidence in your organization 's ability to protect its customers but also reflects poorly on your commitment to addressing fraudulent activity promptly and effectively. 

Conduct a thorough investigation into the origin and nature of the fraudulent charges. 
Promptly remove all unauthorized charges from my account and ensure the reversal of any associated fees or penalties. 
Provide a detailed account of the steps taken to address the fraudulent activity, including an explanation for the persistent delays in resolution. 
Implement stringent security measures to prevent similar incidents from occurring in the future. 
I emphasize the urgency of resolving this matter expediently to restore my faith in your organization and safeguard my financial interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5500.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : $ {$5500.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX, SD XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}.
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : CBA XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 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 or other personal consumer reports

I am writing to formally dispute multiple accounts reported on my credit file due to suspected identity theft. These accounts are not mine, and I believe they were opened fraudulently using my personal information without my consent or authorization. The following accounts are being disputed : XXXX XXXX XXXX : XXXX XXXX XXXX : Experian, XXXX XXXX. XXXX XXXX XXXX *Account Number : XXXX XXXXCredit Bureaus : Experian XXXX. XXXX *Account Number : XXXX XXXXCredit Bureaus : Experian XXXXXXXX XXXX *Account Number XXXX XXXXXXXX XXXXCredit Bureaus : XXXX XXXX. XXXX XXXXXXXX XXXX XXXXAccount Number : XXXX XXXXCredit Bureaus : Experian, XXXX, XXXX XXXX I have contacted the respective credit bureaus ( XXXX, Experian, and XXXX ) and reported the suspected fraud, but I am seeking your assistance to ensure that these accounts are investigated under the protections afforded to me by U.S. law. As part of my dispute, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 U.S.C. 1681c-2 ), which require the credit bureaus to promptly investigate any disputed information that is reported on my credit file. Furthermore, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) provides specific protections for individuals whose identities have been stolen, ensuring that fraudulent accounts are removed and not held against the victim 's credit. I have attached a copy of my Identity Theft Report ( FTC report or police report, if available ), as well as supporting documentation that demonstrates my claim.
Product: Bank account or service

On XXXX XXXX, 2015 I went to Citi Bank to cash a check that was draw on Citi Bank. The Teller ask for my identification, social Security Number and Job Title to cash a check. Just for clarification in order cash a check and you do not have a check is what because I do not have a checking account do that give them perimission inquiry into my personal life Social Security Number is PIV Confident Item.
Product: Student loan

During the week of XX/XX/2020, I called the private student loan lender of MOHELA XXXX XXXX stating that I am unemployed and my XXXX  is going bankrupt due to the COVID-19 pandemic. I asked for an interest free deferment. I was only offered a 3 month forbearance. I told the representative that I am not interested in a compounding ( capitalizing ) on the principal term. She reassured me twice that it is non-capping. I agreed to this non-capping term. On XX/XX/2020, MOHELA XXXX XXXX wrote me and stated they approved me for a 3 month forbearance that is capitalizing and placed me into this. I was lied to on the phone and put into forbearance terms that will cost me thousands of dollars. This needs to be investigated. 
Also, the government needs to make private loans deferred during this time, as only federal loans are deferred for 6 months and all people with private loans are being forgotten about while we have no income. These private loan policies are predatory. There also needs to be legislation to update the bankruptcy law to eliminate student loans for people who are going bankrupt related to COVID-19. We need help. In a chapter XXXX bankruptcy, student loans are not discharged even in the midst of this natural disaster. In a chapter XXXX filing, they ignore your student loans and put them into forbearance for 5 years while other debts are paid and can you imagine how much someone's life is ruined after 5  years of interest being added to a principal loan balance that is over {$300000.00}? The system is broken and creating indentured servitude.
Product: Student loan

When the deferment started, I contacted XXXX to see what my payments would be after the deferment ends and my renewal application was activated. They ensured on several occasions that my remaining months at the payment I was making before the deferment started. On XX/XX/XXXX, I had my Income Driven Repayment plan renewed for {$170.00} to pay towards my outstanding student loan debt. I accepted that amount and moved on with my day. The loans are all under deferment and the last time i applied for my annual renewal was XX/XX/XXXX. Apparently, a few days later, another submission was made in my name with a much higher income input and done as a new application, not as a renewal, which takes away the months I had remaining on my old IDR plan from XXXX. This second application made my payments {$260.00}, almost double what i was paying before the deferment started, but by income has only increased a few XXXX dollars since then, no where near doubling. I spoke with 2 different representatives, one claiming to be the first ones manager and said the second submission is invalid and wasn't submitted by me. I wanted it removed and the first one that was approved 3 days before to be the one to use. They kept saying over and over there was nothing they could do except submit another application and override the second one. This is ridiculous and borderline illegal, in my opinion. I stated that I didn't submit it, had no confirmation of this higher amount, electronically or by mail. I didn't know this change until I spoke to them on XX/XX/XXXX because of a phone call they made to me to confirm my contact details. This was all a shock as its not stated on the main page when I log in what my payments will be when the deferment ends. I was on the phone with AidVantage for an hour and 15 minutes before finally agreeing to another application to get my payments to {$190.00} and i lose my 3 months I had left at the amount before deferment. They refused to dispute the second application. All I kept getting when asked why we couldn't use the original renewal app was, " Our system wont let us '', even though it was the valid submission and the manager agreed that I wouldn't of put in a second app knowing my current was already approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian my id utility bill and police report they are requesting more pages of my police report and the page I sent them is all I have and all I was sent by the agency since my information was lost miles away i made the report with the agency that was far away and this is all they gave me and is valid to there standards my other documents I could upload via the portal so I sent through here and should have been forwarded to them Experian sent me a email saying they cant block because they did not get all information and this is false
Product: Credit card or prepaid card

I have had an Amazon store card with Synchrony bank for years and have never missed a payment. In XXXX I had two payments that were returned within a 24 hour time frame. Firstly, I did not realize I setup 2 payments of both {$500.00} and {$600.00}. Second XXXX XXXX XXXX used to allow them to go thru and I would just transfer the money in my account to cover low or insufficient funds. This time I am not sure why they did not allow it. The day the payments were returned ( which was in 24 hours ) I immediately issued a {$700.00} payment to post to my account and also incurred a {$40.00} late fee which I paid. I have had a lot of fraud activity lately and do not keep much money in my checking for this reason. On XX/XX/13 I went to make a purchase and the card was declined. When I checked online it said my account was closed, so when I called synchrony they advised it was because of these two returned payments. This is really night right as I accidentally had this returned payment happen one time in how many years. I didnt realize I scheduled double payments and because I keep low funds in my checking due to fraud I have lost an account that I frequently use and always pay on time. This is not good treatment of a long time customer with excellent paying history.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX3 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I am not satisfied with the XXXX from ChexSystems. In my disputed request I asked for copies of the documents sent to them from the appropriate companies in dispute. In that disputed statement I clearly stated that I wanted a copy of what CHEXSTSTEMS received from the companies. If they can not provide that information to me then they have not meet the burden of proving that they this information is accurate. I am stating that this information being reported is not accurate. I never stated identity theft. I stated this information is not being accurately reported and that the inquires on my report are not accurate in that they did not obtain my authorization to inquire or receive a copy of the report. If ChexSystems can not provide documented and written proof that these people have accurate information and that they received proper authorization this needs to be removed from my report. The derogatory items are causing me harm and they are not accurate and the inquires are not any that I am aware of at this time. With that stated ChexSystems is not following the law and is reporting inaccurate information. If ChexSystems continues to do this I will have not other choice but to file a lawsuit in federal court and to sue the other parties listed as well. If ChexSystems is checking and truly investigating they should have provided me with a accurate duplicated copy of what these companies have sent to them as so called proof. Based on their actions they have not met the burden of proof of the law and they should be required to do so. I am so tired of agencies doing XXXX like this to people. I want duplicate copies of the documents sent to ChexSystems as proof of these degrogatory items being reported. I do not believe that Chex sytems has contacted these people at all. If they had contacted them they would provide duplicate copies of the information they received. I will be waiting for a accurate response. ChexSystems is sending what they feel like sending and not what is required by law
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue has been going on since XX/XX/2019. Experian, XXXX and XXXX fail to remove bankruptcies they claim was verified by the courts. I obtain verification from the Federal Court clerk asking, if they verified with the credit bureaus. The credit bureaus refuse to take the letter from the clerk.
Product: Credit reporting or other personal consumer reports

This information isn't authorized and I didn't take out or use any student loans. I have tried contacting the creditor and the school but they keep giving me the run around about closing the account or investigating the account as it wasn't used by me. 

There are 4 accounts open totaling {$10000.00} being reported on my credit report. It shows open and never late but I never made any payments on an account I have no knowledge of. I would like this closed and removed immediately. I have also contacted XXXX, XXXX and Transunion and they fail to investigate to validate the loans to have them removed and deleted! 

Attached is FTC report that lists the loans as a creditor or apartment but not sure why it doesn't list as loan. 

FCRA law. 
Account # XXXX
Product: Student loan

On XX/XX/XXXX, I had applied for an IDR plan with the Dept. Of Education, which was received by my servicer, Nelnet, on XX/XX/XXXX and confirmed via email. I have repeatedly received email updates every so often stating that the IDR is still in process but that it is not yet completed. 

On XX/XX/XXXX, I had called Nelnet to attend to a different issue, and asked about my IDR plan approval while I was thinking about it. I was told that it still was in process. The miss I was speaking with was nice enough to suggest that I submit income verification to Nelnet to try to speed up the process, but she could not provide any more information. 

It has been approximately two months request, and I need this request to be processed, otherwise I risk unnecessary financial strain.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX