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

I sent a letter on XX/XX/2022 to XXXX. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? 
How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a negative/delinquent item on my Experian credit report. It ONLY exists on my Experian report. It recently showed up in XX/XX/XXXX. This new item dropped my score from XXXX to XXXX. I tried disputing it through the bureau, but they did not resolve it. 

From what I can tell, the company does not exist. The phone number on the Experian report for the business does not work. I check the address and there is no company that exists at that address. In fact, the address is currently for rent when I googled it. 

The Company is : XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX According to Experian- It says it was an education loan opened XX/XX/XXXX. 
The opening balance was {$0.00} It says that I failed to pay in XX/XX/XXXX. 

I never had this account and don't know what it is. As I mentioned earlier, it showed up out of nowhere a few months ago. 

Also what makes this weird is how can one fail to pay a XXXX  balance? 

I attached 3 screen shots : 1. Shows the account on my credit report, you can clearly see the opening balance was XXXX and it is negative in XXXX 2. I attached a screenshot of Experian saying I can not dispute this again, I tried calling and they forwarded me to you 3. I attached a screenshot of the address listed on the Experian report is currently vacant and for rent as of XX/XX/XXXX supporting my claim that this is a non-existent company
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX opened XX/XX/XXXX with a balance of {$23000.00} XXXX XXXX opened XXXX XXXX with a balance of {$14000.00} XXXX XXXXXXXX opened XX/XX/XXXX with a balance of {$2500.00} XXXXXXXX XXXX opened XX/XX/XXXX with a balance of {$1700.00} XXXX opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$9100.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint ( # XXXX ) & ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE FOLLOWING INFORMATION ATTACHED IS UNAUTHORIZED/FALSE AND MISLEADING/UNDERMINING/IMPAIRED.
Product: Debt collection

I took out a student loan with XXXX XXXX during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around 15K.  After graduation I was struggling to make ends meet with no job and a new XXXX. I called XXXX XXXX several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXX and called XXXX XXXX and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to XXXX. Same as XXXX XXXX I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in public service and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. 
Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. 
I was planning to go back to school and now this is all shocking and disheartening. Even today when I call XXXX they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe {$20000.00} and I must pay now and there is nothing that I can do about it. Why didnt XXXX perform their due diligence to give me a call and place under a repayment plan. I do not feel that XXXX XXXX nor XXXX  performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. 
Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are up to date.
Product: Payday loan, title loan, personal loan, or advance loan

One main I see this in accurate inquiry on my credit report That wasnt approved by me
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian report shows an account with XXXX XXXX that I simply do not own. I became aware of this around XX/XX/2021. 

I called XXXX XXXX to report the problem, initially thinking that this was a fraudulent account opened with my social security information. They then reported there is no account registered to anyone with my social security number. 

I followed up by checking other reports - from XXXX  and XXXX. None of which show this account, so clearly this is a problem with Experian 's report. 

I called Experian twice to register a dispute. Once, thinking it was a fraudulent account, and then later after I had talked to XXXX XXXX directly. The dispute went on for a couple of weeks, and when finally " resolved '' on XX/XX/2021, did not change anything on the report. 

This is obviously frustrating, as I took all possible steps I could, and Experian never reached out with a satisfying resolution or to follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX  XXXX please remove any other spelling of my name. I was looking further into my file I found addresses that I never lived at.Please delete the following unknown addresses : XXXX XXXX XXXX XXXXOHXXXX XXXX XXXX XXXX XXXX OHXXXX  XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX KS,XXXX XXXX XXXX XXXX XXXX XXXXKS XXXX XXXX XXXX XXXX XXXX XXXX KSXXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXXKS,XXXX  XXXX XXXX XXXX XXXX XXXXNJ, XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX OHXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ,XXXX XXXX XXXX XXXX XXXX KSXXXX XXXXXXXX XXXX XXXX XXXXNJ,XXXX  I am looking to start my new job but my new employer is having issues with my verification due to several unknown addresses and incorrect information on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma advertised that i had outstanding odds of approval for a certain loan. So i clicked on the add and began the process. I was contacted but never told that I wasnt applying for the loan that I clicked on the credit karma website. They checked my credit which put a knock against me and told me i was approved for a few different options unfortunately none of them were the one I applied for. In fact they didnt even know what I was talking about completely unaware of the offers made to me by credit karma. It seems they have pulled the bait and switch scam. If the people in charge of paying the kickbacks to credit karma are aware of this scam then they too are a part of it and seem to be guilty of racketeering themselves.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving the complaint. This fraudulent, inaccurate, and false information consists of a mobile account open on XX/XX/XXXX to XXXX, a XXXX XXXX account open on XX/XX/XXXX and an unknown line of credit for XXXX XXXX last reported on XX/XX/XXXX These accounts and other personal information that was used resulted in several fraudulent hard inquiries on my credit profile. I've attached a list of the fraudulent inquiries in questioned " I have went through all of my credit reports to identify the unknown activity. The aforementioned accounts, collections, and hard inquiries appearing were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results from the identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

As the Consumer, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Supporting this is 5 U.S. Code 552a " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Equifax violates of - 15 U.S. Code 1681b " Equifax would need my written consent to add anything to my consumer report which I did not give.

- 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) " Reporting Transaction history is illegal.

Under 15 U.S. Code 1681c " No adverse items besides the conviction of crimes should be on a consumer report.

- 15 U.S. Code 1681s2 " Equifax has been put on notice of the inaccurate information and must immediately stop reporting that information.

Under 15 U.S. Code 1681n Equifax is liable for {$1000.00} per violation for noncompliance. ( There have been 71 violations counted. ) Per the FCRA as a federally protected consumer. I am now Opting Out of any authorization. I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. LOANCARE SERVICING C XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about how Zelle handles disputes, especially given the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, neither my financial institution nor Zelle adequately investigated my claims. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only failed to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

My purpose was to buy two tickets to see a XXXX XXXX concert on XX/XX/2019, at XXXX XXXX. On Friday, XX/XX/XXXX I checked online to find a reasonably priced ticket around the original price of XXXX  dollars before the concert was sold out. Found a seller who was selling tickets for {$50.00} and messaged them. They replied later evening and said they were selling. As this was my first time doing a transaction like this I followed the person 's orders on how to send the money. I was skeptical of these prices and asked for the seat locations they had on their tickets to see if they were even available on sites on like XXXX  XXXX  that were reselling. They responded with seat locations that were sold so I thought the seller was real. I followed her orders to use " family and friends '' instead of " goods and services '' because they told me it was faster. I sent 100 dollars through paypal along with a {$35.00} dollar transaction fee because of the " friends and family '' service. When I sent out the money they kept replying they haven't received the payment yet and told me use an app called XXXX XXXX. I didn't know what app it was but I still downloaded it. I assumed from the high rating on the app store that it was a safe app. I sent them XXXX  dollars through this app and they said they still didn't recieve the payment. Because I had lost XXXX  dollars already I didn't want to send anymore money. I told them to send me the tickets. They responded by saying that they haven't recieved payment and would not send them. I told them to refund me and they said no because then they were afraid I wouldn't buy the tickets anymore. The text conversation lasted till XX/XX/XXXX at XXXX XXXX pst. I tried calling them through XXXX, they would pick up and then hang up again. When I told them I would call again the next day after I slept they never responded and deleted their account from XXXX the next day so I wasn't able to reach them. I found from the payment on Paypal that there was an email and email them. I emailed the person and the respondant said the person was unavailable. Apparently they are not connected but this connection is also sketchy because it was the account where I sent the money to. I called the customer line on Paypal later to get some help and they said that because I used the Friends and family service that they couldn't do anything besides emailing the same person.
Product: Student loan

I have had a loan in forbearance with Great Lakes Higher Education for about a year or more now. I am at a point where I can start making payments as I have recently become steadily employed and want to start paying these loans off. I have reached out to the servicer on multiple occasions to make a payment as I have a high amount of interest that has already accrued on the account I have. They keep asking me for my personal bank account information or telling me to go open a checking account somewhere as they will not accept credit card payments. I have a valid credit card I can pay with and I 'm not comfortable giving anyone direct access to my savings account ( I do n't have a checking account ). I have no other method of paying my student loans other than through a credit card. All I want to do is make a payments until the loan balance is paid off. There seems to be no flexibility at all on this and if I knew there were stipulations to getting my student loan that it can only be paid off with a direct link to some kind of a bank account at this point I would have just foregone my education entirely because now its likely going to ruin my credit and keep piling on interest. Any and all help would be greatly appreciated! 
Thanks so much!
Product: Credit reporting

Ok I Submitted a Dispute to Experian about the Misreporting they have on my Credit Report. I filed Bankruptcy XX/XX/XXXX and Finalized By US Bankruptcy Court XX/XX/XXXX. 
They continued to report Negative payments prior to these dates. The penalized me for them Via FICO score. The only reason I filed Bankruptcy is I was unemployed for 2-3 years because of the Recession XX/XX/XXXX. I even took out Loans during that time, managed to pay them in Full, Never late as shown on Attached Dcouments. They also show me at an Address of residence at XXXX XXXX XXXX XXXX XXXX XXXX which is the Address of My Bankruptcy Attorney in XXXX Florida. 
They do not even indicate my Current employer where I have been working and employed as a Fulltime employee since XX/XX/XXXX. see XXXX attached and Experian docs Misreport attached. 
Thank You I just hope you can help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove all un mailable addresses.

According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), there is a need to ensure that consumer reporting agencies exercise their significant responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, as backed by 15 USC 6801, which states : " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A furnisher of information to credit agencies is defined as a financial institution under this title.

According to 15 USC 1681, Section 604 ( a ) ( 2 ), " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither Equifax, XXXX, nor the furnisher of information to credit agencies have my consent to furnish this information, and they certainly do not have my written consent. Therefore, any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Furthermore, 15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681c ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission.

Please Provide me with your address to send My notice of demand
Product: Student loan

I called MOHELA about the public student loan forgiveness program that I was entered into on XXXX. The documents that they needed were provided by my employer. When I called the other day to get more information because I had changed jobs, they said they wouldnt accept the forms from XXXX  because the dates that were entered were not accurate in the date format. The dates they have for my start date with that employer are correct, but the end date is incorrect. I told the customer service representative that, and she ignored me. I also asked for assistance with help now on paying my loans and she ignored me. I then asked to talk to a manager, and was on hold for 45 mins and never got to speak to a manager. I was told extremely upset, and even more frustrated that if the forms were some how filled out incorrectly why wasnt I notified in XXXX? Can I please get some help with this? The company is making claims that arent even correct all so they dont have to help you. This is beyond upsetting!
Product: Debt collection

This company continues to harassment me.by repeated calls to me, family, employer, friends and neighbors. I has asked them to stop calling and harassing me several times but they continue. I even asked them in writing to stop calling and harassing me and they still continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I want to know why the amount of interest that is being charged to my account fluctuates if my principal is going down with a fixed interest rate. I have a fixed 5.1 % interest rate and the interest being charged goes up and down seemingly at will with the principal being less than the prior month. My car payment has gone from {$420.00} to {$480.00} with a fixed interest rate. There are no missed or late payments. I called the finance company and they said that my payment has " flipped '' and there was nothing he could do about because that's the way his company works. Also I paid {$500.00} a month for the last 4 months. I want to know why my car payment went up beyond the contract agreement.
Product: Credit reporting or other personal consumer reports

This account is not mine XXXX In the amount of {$990.00} it is fraudulent