23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient ; multiple times : they 've recently reorganized their website so that I can no longe r split loan ( s ) into different billing groups. Previously, by doing this, I could easily and through self-service pay my base loan amounts, and then select one ( by virtue of billing group ) to pay extra on. When I do n't split it into billing groups, it is difficult to ascribe overpayment to one loan without potentially underpaying another and going into default on one o r more other loans by accident. I use the overpayment to attempt to pay down my debt by focusing on higher interest / lower balance loans. Since the changes, they can no longer do this ( according to service ) and I must call. When I do, I am frequently on hold for double-digit minutes, I get representatives who disconnect the call ( note : I try to be pleasant ), I get representatives who want to transfer me, I get representatives who wish to charge me for taking a payment over the phone even though there is no effective way to parse out a payment toward an individual loan within a group. I believe they introduce these confusions to maximize the amount of interest that I pay and minimize the chances I can garner effective assistance with my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

OUR COMPLAINT in accordance with the fair credit reporting act XXXX  Account # XXXX XXXX  late payments on : XXXX XX/XX/22 has violated my rights. 15USC 1681 section 604 sates I have the right to privacy. 15USC 1681 section 604A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose Hide
Product: Credit reporting or other personal consumer reports

Experian now closed 13 complaints in a matter of minutes AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting or other personal consumer reports

Upon viewing my most recent consumer report, I saw XX/XX/XXXX that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XX/XX/XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Since the year of XXXX, my personal name, date of birth, addresses, phone numbers, and email have been leaked in multiple data breaches. Some companies include XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX. Someone has continued to use my information to try to open up accounts in my name. I received my consumer report earlier this month and discovered some inaccuracies, unauthorized accounts, and inquiries reported to my consumer report. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlight that XXXX has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results. 2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards. 3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. As per these allegations, I am concerned that the inaccuracies on my credit file may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge. 

Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Also , I only have one address that I reside at currently and the only place safe for me to receive mail please update the address to this address only : XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 
WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My  Federal Tax Refund w as recently garnished by the Treasury  Off-Set pr ogram for a fraudulent debt. I have n't received any prior warning to my home address of this debt or collection agency. Account  Control Technology ne ver reported this debt to any of the  XXXX  major credit bureaus essentially leaving me uninformed to resolve the issue. I could have acted sooner, before the treasury offset garnishment, however the debt they 're trying to collect was from when I briefly attended a  XXXX  scho ol (   XXXX   College )  several years ago, which I had around {$3000.00} in federal loans for. I stopped attending after a month or so after hearing a previous graduate tell me that her class and the class before hers were not being placed in jobs like the school had promised, falsifying job placements. Years later they closed this schoo l (   XXXX   College ) for  fraud and for falsely stating they would place students in jobs and never doing so, along with other illegal lending practices. I figured the loan would be forgiven since I never saw it appear on my credit report. I saw this was not the case when I found out that they took my tax return which was {$2800.00} to pay this debt for a school that was found fraudulent and closed down. I have read in several articles that these collection agencies are collecting on loans they know are eligible to be forgiven. Can I do anything about this? My loan was put into the offset program which caused a major financial hardship for my family and I. I needed that money for other financial obligations and I also have  XXXX -month-old son. Things have been very difficult for me since I was injured in a car accident last year and I 'm currently being treated and have n't been able to go back to my delivery work.
Product: Credit card or prepaid card

- I had applied for a Credit card through American Express due to the lucrative offer of obtaining a bonus of XXXX points after spending {$5000.00} - I applied on XX/XX/2019 and achieved the goal of spending the {$5000.00} around mid-may - The welcome bonus did not show up in my account at any point so I opened a chat with American Express to find out why this was - They informed me they had denied the bonus due to being ineligible. 
- I asked them why and they would not provide a specific reason as to why. 
- I was at no point ever informed that I was ineligible for the bonus and the application proceeded to approval without any communication that I would not receive the welcome offer. 
- I was told that the account had been reviewed after approval and at that point, the welcome offer was removed from the application. I was also told that it was not required that I would be informed of this. 
- Under the impression of being elgible, I met the spend and proceeded as normal. 

It is to my impression that this should be considered fraud as I submitted my application under the influence that I would receive the welcome bonus given I met the terms of the agreement. I was also told that regardless of not being informed that I am still being denied the bonus. I never would have proceeded with the application if I had known I was inelgible for the bonus.
Product: Credit reporting, credit repair services, 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, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX.
Product: Mortgage

We had a second mortgage equity line with XXXX years and years ago. After XXXX folded and sold all of their mortgages we tried to find out who our new lender was with no success. We then went through a chapter XXXX bk that discharged in XX/XX/XXXX which listed XXXX as discharged. We kept our home and made all first trust deed payments on time but still never heard from any lender regarding the second. We had assumed this was because of the bk discharge. Five years later in XX/XX/XXXX Franklin Credit Management contacted us saying they intended to foreclose on our home. We have incurred thousands and thousands of dollars in legal fees, our credit has been negatively impacted and the title to our home is a mess. The major legal issue I have with Franklin is that we never received the service transferring notice that is supposed to be sent within 15 days of a mortgage being transferred to another servicing company. Had they complied with the Servicing Transfer Notice requirement ( or any of the other lenders in between XXXX and Franklin ) we would have been paying them and might have even been able to negotiate a loan modification. However, we were not notified. Franklin Credit Management was responsible to notify us within 15 days of receiving our loan for serving and they did not and it has cost us dearly. We have contacted them multiple times trying to negotiate a settlement or modification. They were rude, disrespectful and unreasonable to the point we had to hire an attorney. I truly believe this predatory servicing company is operating outside regulatory guidelines as it suits their purposes
Product: Debt collection

Originally I received call from Wilson, Rilley, and Associates stating charges were pending against me in XXXX XXXX county and unless debt resolved I would be served by sheriff at my place of work or home. I made payment arrangements however the amount due of debt kept changing and when I requested record of payments it was more than originally advised. I later received call advising since a payment was declined they would have their attorney reinstate original charges against me and add additional charge of declining a charge over state lines. Later I receivea another voice mail claiming they were from County service and I wld be served at work for charge against me within 48 hours unless I contacted the plantiff.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. XXXX Experian received my letter disputing a XXXX account and two inquiries I believe were in violation of consumer protection laws ( CPLs ). I cited all CPLs I believe were violated. This letter was sent certified and I have the receipts for it and I know what day and time it was received. With my legal team I ensured all cited CPLs were relevant and applicable. 

A partial investigation was done and partial investigation results were sent to me. This investigation is well past the 30-day period required by law. The investigation results had shown the two inquiries had been deleted but absolutely no acknowledgement or communication about the XXXX account although it was disputed in the letter received XX/XX/XXXX. 

I've disputed this illegally furnished account many times and I'm fully prepared to sue XXXX and Experian for their roles in causing hardships and blatantly disregarding CPLs. 

A good solution would be to permanently remove the account from my Experian provided " credit report '' and for XXXX to cease the communication of my private information to third parties without contacting me first and getting to my permission.
Product: Mortgage

My loan modification was completed 3 years ago and my account has still not been updated after several phone calls and emails
Product: Debt collection

Universal Recovery Corporation has two collection accounts on my credit report. I have sent letters asking for verification of the debt and they refuse to order it to me. I have asked them to remove the negative reporting since they can not send me proper validation of credit to me, but instead state that they have it. One account is {$6000.00} and other account is {$470.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Bankruptcy XXXX  XXXX, US BKPT CT XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

On my Discover card : My First Date of Delinquency was XXXX. 
The account was CLOSED XXXX. 

The account was then Charged Off XX/XX/XXXX ( which was more than 7 years after the account was closed ). 

When an account is Charged off, it leaves the account with a {$0.00} balance. 

The company reported that they charged off the balance XX/XX/XXXX ( ~ $ XXXX ). HOWEVER, the company is still reporting the same exact amount as a balance ( a current running balance ). 

I have filed disputes for the removal of the account should recently AND in the past ( many years ago ). 

The above is the information that at least two of credit reporting agencies currently has. 

The account was closed in XXXX. 
The account was charged off in XXXX. 
There was no additional charges to the account since XXXX. 
Therefore, after the balance was charged off ( XXXX ), the account should have a XXXX dollar balance. 
The reported current running balance is incorrect, and damaging! 

In addition, since the account was closed in XXXX, come XXXX ( 7years after ), the account should have been removed from every one of my credit reports ( every credit reporting agency ). 

Since there was a supposed payment on XX/XX/XXXX -which was the charge off, AND the supposed " currently running balance '' reported of the same amount of money, the account has not been removed and continues to cause damage/harm. 

I have tried to dispute it, but the disputes resulted in the same reported running balance. 


This has caused harm to my credit. 
This has stopped me from repairing my report/credit ( for years ). 
This also has caused harm to my ability to gain credit. 

It is imperative that the information be corrected with all 3 credit reporting agencies! 
... be corrected to a XXXX balance, as of XX/XX/XXXX. 
... And, in addition, since the account was delinquent & closed in XXXX, it has been more than 7 years. Therefore, the account should not be on any of my credit reports. 
* Please remove the account from all 3 of my credit reports. 

Many years have already passed in which I could have been building credit -to which the error has caused harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 8th Dispute to Experian that they keep flagging as already resolved this is a illegal act that I will be speaking to legal counsel about. On my previous dispute to Experian / XXXX, Experian FALSELY ACCUSED ME The request to block information was based on a material misrepresentation You have agreed in writing that the information was blocked in error You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. Therefore, we are declining your request to block one or more of the requested accounts. I DID NOT OBTAIN ANY GOODS, SERVICES, MONEY of any of these accounts. I have reported Experian and XXXX to the office of my attorney generals office : XXXX XXXX, as my rights under the FCRA 2009 have been violated by both of these consumer reporting agencies, I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Experian it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT The Federal Law as explained to me by my Attorney Generals office is that ; Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days. The fraudulent account that I am requesting be blocked and asking Experian to cease and desist reporting are. XXXX XXXX : {$3700.00}, XXXX  XXXX XXXX {$4600.00}, and inquiries with Multiple creditors including : XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX. 
XXXX XXXX XXXX, inquiry date : XX/XX/XXXX. 
XXXX XXXX  XXXX, Inquiry date : XX/XX/XXXX. 
XXXX, inquiry date : XX/XX/XXXX. 
XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX. 
XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In my personal research, I discovered several Fair Credit Act violations in the contracts I obtained from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. These violations include : - Promissory note - Requiring a deposit to be made - Using consumers ' social security numbers to obtain loan funds- Disclosing consumers ' personal identification and sensitive information to credit reporting agencies without written permission. 

According to 15 USC 16026, I am considered the creditor. Additionally, 15 USC 1662 states that it is illegal for the lender to request a down payment. Referring to 42 USC 408, it is deemed fraudulent to request my social security number. Furthermore, based on 15 USC 1605, the lender was obligated to provide me with insurance. I am perplexed as to why I was required to pay a down payment and why the lender never provided me with insurance, instead requiring me to obtain my own insurance.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.
Product: Checking or savings account

In XXXX of 2022, a check in the amount of {$15000.00} was endorsed to me by a family member. Because the check was from Chase I thought it would be easier to open an account with the check at a Chase Bank. Within a month Chase closed the account because the individual who endorsed the check to me was not able to be verified by her phone number. I was told at the time that because she was not able to be verified by phone that she would have to bring her ID into the bank branch to be verified. When we were able to bring the ID to the bank they told us that they no longer accept identification verification in the bank and she must be verified by phone. Her number needed to be listed in a public registry so they can search it and call. We went to the bank branch where the account was opened to sit down with the banker who opened the account and their money release department and they all gave us a different answer as to why we cant get the money. I had the person who originally issued the check, look to see if the money was still in his account and it was not. He asked if he can get it back, I also asked if they can send it back to him and both of us were told no. The bank at this point is refusing to give us the money or return the money back to the person who wrote the check and I truly believe that someone at the branch stole the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, 12 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 01 XXXX XXXX XXXX XXXX, 08 XXXX, 12 XXXX XXXX XXXX XXXX XXXX, 12 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 Company Inquiries : 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

Experian sent notice that it did not appear that my dispute was not sent be me or authorized by me and they havent taken action on my dispute I, XXXX XXXX, am demanding my dispute be investigated and completed within the lawful timeframe.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/year>