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

Equifax credit breach my personal information was leaked online by th credit bureau and I purchased online credit protection that didn't help me keep my identity safe there has been a lot of loans and personal credit cards obtained in my name that I didn't receive or order XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card and auto loan was taken out with a car dealership in California im a true victim of identity theft and seem to no get any assistance with the route I'm taken. I we told squeaky wheel gets the grease!
Product: Credit reporting

3rd party debt collector reporting debt with no contract agreement with original debtor. XXXX after removing information continues to go back and reinstate after 30 days
Product: Debt collection

This was not sent in error. All of the 8 accounts under the Dept of EducationXXXX were deleted before but why it come back again? Please investigate all those accounts and delete them immediately. The same applies for XXXX account. In total of 9 accounts.
Product: Credit reporting or other personal consumer reports

I a

m rejectin g this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being.

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors.

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found.

The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer.

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed are fraud and I never did any business with these companies OR contracts : XXXX BANK 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. OF XXXXL # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX COMPAN # XXXX, XXXX XXXX COMPAN # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled update of my credit report and didnt see any changes. You still posting this negative on my name but these accounts are not belong to me. I think someone have my personal information
Product: Bank account or service

I have an American Express Serve Card. On Tuesday XXXX/XXXX/2016 I received a deposit from my XXXX in the amount of {$590.00}, this deposit was from a hardship withdraw that I submitted for so that I could pay my rent since I am facing eviction. Around XXXX I went to XXXX on XXXX in XXXX , Ohio to withdraw the money via ATM. This bank 's ATM is on the list of bank 's Serve customer 's may go to withdraw money for no fee. I put my card in and selected the amount of {$580.00} to withdraw. The machine stated it was dispensing my money, the machine kept making noises like it was counting but no money ever came out. I went inside the branch and explained what happened and was told that there was someone working on the ATM at that time and per the teller, if no money was dispensed, then it should not have came off my card. I went to check my card and American Express had immediately taken the money and hard posted it to my account. I called the American Express and spoke to a supervisor named XXXX, she just told me I had to file a complaint and it could take up to 45 days. I asked to be transferred to a manager and I forgot to take her name down. She understood the severity of this, since this was a large amount of money and me and my XXXX children are about to be put out of our house. She went and started the dispute process and advised me to fax my letter explaining everything to XXXX. She advised she would try to get this resolved quickly. I faxed my letter on XXXX/XXXX/2016, I then called to follow up today Thursday XXXX/XXXX/2016. I spoke with a rep and a manager by the name of XXXX, who has no care in world. Advised her that my landlord is giving me till XXXX/XXXX/2016 to pay my rent or else we have to go. She says with no care in the world, I have to wait till XXXX XXXX that is when the dispute team said they will look at this issue again. I ca n't wait till XXXX. I use to bank with XXXX and when an ATM transaction was done it would pend for at least 24 hours and then hard post. American Express takes the money off my card immediately and will not put it back that fast. I 'm upset because this is pretty much theft in my eyes, my money has been taken, but I never received it and now I ca n't pay my rent and American Express will not take care of this in a manner of seriousness.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXXXXXX Balance {$740.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXXXXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am reporting that XXXX, equifax, and XXXX are improperly reporting student loans to my credit report. 

20 USC 1232g ( b ) The Family Education Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of my student education records.. 

I would like these XXXX student loan accounts removed from my report immediately! The loans are from XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
I want the CFPB to publish this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I filed a complaint against TransUnion showing that there is incorrect information showing on my report, they are not reporting the method of their investigation, the last investigation request to complete through this bureau has not completed. So just this information alone under the FCRA should complete my request to delete all negative information on my report because they can not properly verify what's on my report. Furthermore there is an attempt to assassinate my credit file further. On 3 occasions over the last 2 months my credit score has dropped the 1st time 152 points, the 2nd time 122 points, and the 3rd time 112 points. There has not been anything major happen in my credit file. I called TransUnion yesterday and they said they would not discuss over the phone even-though I went through their " dispute credit report '' option on their phone system. They did convey that one of the credit cards are showing that I'm in delinquent status. That's impossible I pay on them every 2 weeks. If you go back through the history it will show that fact. In addition when I went to remove a credit freeze on my credit report it was showing my credit file in " unknown '' status I had to call in to have them remove the freeze. All of this has ruined my chances to refinance my mortgage at a more competitive rate, it's forced me to 20 % interest rates to purchase a vehicle, and it threatens my employment + the ability to travel for my job due to the inability of my credit file to be able to get approved as my job requires for a credit card that can hold a substantial balance. In fact the bank scores being pulled are substantially less than the consumer view I'm getting. I would have a better score in bankruptcy than what I do trying to work forward with the credit file I have. How sad is that? Something needs to be done and I will continue to fight this until my credit file is reporting accurately and the scores reflect the true credit I actually have. It's bad enough we have been told to essentially shelter in place for this pandemic and then have to be hamstrung even further with all of this. There is no excuse this needs to fixed once and for all.
Product: Consumer Loan

I financed a vehicle loan with Drivetime back in XXXX. I have been paying on the loan and the maturity date is XXXX XXXX. I checked my credit XXXX XXXX and noticed that the loan had been removed from my credit report. I have called Drivetime numerous time to correct the error to no avail. I feel this is a UDAAP violation because I was lead to believe the loan would be reported on my credit it has n't been reporting.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX LAWSUIT I Believe that I was negatively impacted, Hurting my chances after receiving a response to my earlier dispute that this account was verified
Product: Credit card or prepaid card

Thank you for your response concerning this issue and I apologize for my late response. 

In the response letter I received by mail on XX/XX/2022 it shows the date the application for account ending in XXXX was improved and opened as well as the date the account was closed. With all the information I have, the date this account was opened does not match with the information I received and can use it as evidence, the letter also does not say was the time this account was opened. 

The letter it also shows the date ( in XXXX ) the account was closed, however I am still receiving by mail monthly payments on a Credit Card that I never opened or made any withdrawl from but somehow being responsible for. 

I wish to have my name cleared and not receive any more mailed statements from this account and hope to resolve this issue without taking any legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On or around XX/XX/XXXX, I signed a secondary loan to buy a property in XXXX XXXX ( See annex 1 ) The lender POPULAR XXXX  issued a Loan Number XXXX for US {$25000.00} as secondary Mortgage to be able to finance the purchase of the property. 
The property had a period of grace of ten ( 10 ) years without any interest, after that i would be charged 5.5 % over the balance. 

On or around XXXX POPULAR XXXX  transferred the loan management to XXXX XXXX XXXX XXXX for House financing, they were supposed to send me a letter to my address in XXXX but it never arrived. I just got that letter after the problem was exposed on XX/XX/XXXX ( See annex II ) On XX/XX/XXXX i received a notice from my Credit card indicating my XXXX XXXX dropped from XXXX to XXXX due unpaid balance reported by XXXX. I contacted the agency and dispute that report but they mentioned two days letter that the reported issue remained. 

After several days trying to contact the XXXX XXXX XXXX for House financing XXXX, they confirmed the fact and sent me the balance until that date, from XXXX {$25000.00} the loan mortgage raised to XXXX {$31000.00}, and the unpaid quotes amounted XXXX {$6700.00}. This amount was demanded as a condition to be removed from the Credit Report XXXX. 
When i asked how they send me the bills to be paid, they informed that Popular XXXX  supplied the XXXX XXXX XXXX XXXX XXXX PR XXXX as my current address, which obviously resulted in a wrong address, in despite Popular XXXX  was sending me the Loan Statement for my Principal XXXX to my current address in XXXX, XXXX i asked why they expected for XXXX unpaid bills and never tried to reach me in some way as my personal information is public ( See XXXX XXXX ). 
It turned in a very serious economic impactful situation for me, in XXXX ways my credit report affected, and the money paid to XXXX, until now i didn't receive any statement as we agreed after the payments were made and my address corrected ( See annex IV ) and in a very lucrative business for Popular XXXX  and XXXX, who owning the loan and all the information about my whereabouts didn't provide the right information to XXXX, and for the last one who did less than nothing to collect these money as instructed by the delegation from the owner.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of XXXX XXXXI sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticedmany items which do not belong to me. Since Im a stickler for research, I found that under section605b of the FCRA you are required by law to remove & block any items which are found to be openeddue to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report foryou and the bank 's records ( learned through more research both parties require ). Please block/removethese files. XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX OF XXXX XXXX : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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: Student loan

I have had a dispute with XXXX over this since 1994. I completed an " Application and Promissory Note '' for a Consolidation Loan from XXXX XXXX XXXX XXXX, because I was led to believe by a Collector that I might benefit from the program. When I received the Disclosure Statement, some five months later, it was clear that the higher interest rate and capitalization of the penalties was not to my benefit. Therefore, I did not accept the terms of this loan contract, nor sign any agreement, nor make any voluntary payments. Clearly, there was no " meeting of the minds between two parties '' as required by contract law. The loan subsequently defaulted and was guaranteed by USA Funds. It defaulted again and was then guaranteed by XXXX. Since then, XXXX has steadfastly refused to provide me with due process to resolve this issue. Their contract collectors have committed violations of the Fair Debt Collection Practices Act. Both XXXX and their contractors continue to assert that this is an enforceable contract even though I never agreed to any specific terms. The simple question is this- do student loan agreements fall outside of the accepted principals of contract law? Namely, that the terms must be clearly stated, that there must be offer and acceptance, and a " meeting of the minds '' must be demonstrated in order for any contract to be enforceable. Are student lenders immune from these basic principals, as XXXX asserts? Has XXXX deprived student borrowers of their basic rights under contract law, in order to protect lenders? I have attached the ambiguous " Application and Promissory Note '' which states no specific terms, nor does it clearly state the names of the parties entering in the agreement. I have also attached the " Repayment Addendum and Disclosure Statement '' which does state the terms, and which I never accepted. I had rehabilitated my student loan in 1994 when, while checking my options, XXXX XXXX XXXX XXXX voluntarily satisfied my debt without my permission. When I refused to accept their fraud, USA Funds then filed a fraudulent default claim with XXXX. XXXX has been harassing me since 1994. XXXX should be looking to recover the funds from XXXX and/or USA Funds. The simple question I have is this- are student loan banks immune from the basic principles of contract law? How do I get this XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago, because I founded a XXXX XXXX XXXX XXXX XXXX and received approval from the Dept. of Ed as a loan forgiveness program for our counselors, since we service XXXX XXXX patients, my loans were moved from a provider to direct payment to the Dept. of Ed. That provider was not the problem. Prior providers who were horrible lost my loan servicing to an organization in XXXX, which was great. 

XXXX and XXXX have reported negative comments about delinquency to the credit bureaus. I was NEVER delinquent, as I was on a deferral basis, since I am still in a XXXX program. I switched schools from XXXX XXXX ( money hungry ) to XXXX ( tries to reduce student debt ). XXXX is eligible for deferral programs from other school balaances. There is no reason to report me delinquent. I feel this is just a thumb in the eye for leaving them. Please correct. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Problems are : Dept of Ed. XXXX and XXXX XXXX XXXX. Hit me for every single loan. Battered my credit score. Totally unfair. If you need my social, it is XXXX. 

Thank you very much.