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

On XXXX XXXX I sent a personal information update to all XXXX credit bureaus asking all my personal information to be updated and removed all old address connected to my report. My address has been updated with correct address and removed information with XXXX and XXXX. I have contacted Experian and advice to have my address updated and was advice that they can't see any address on my report. Also, that it was still under investigation.
Product: Student loan

Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : 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  The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I recently called TransUnion and to settle a matter regarding fraud on my inquiries I've noticed during a recent credit pull there are numerous hard credit inquiries that I did not authorize nor approve. I have already disputed these inquiries and would like for them to be removed and TransUnion refused to remove them after all documents were in order and I was constantly transferred to departments that weren't the fraud department.
Product: Debt collection

This is not my Debt and I'm falsely accused of debt on my social security credit report. 
XX/XX/2020 ( 1 mo ) {$340.00} and another one for {$310.00} Original Creditor Name XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Debt collection

I kept recieving calls from this collector I told them over the phone and over mail to not call or try to communicate with me in any way they continued to attempt to I need for yall to verify and validate this collection Innacurate account please verify with accuracy XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

remove hard inquiries,XXXX XXXX XXXX   4NQUIRIES,XXXX DXXXX XXXX XXXX XXXX
Product: Debt collection

My identity has been compromised, several accounts has been opened under my name without my authorization or knowledge.
Product: Debt collection

I have tried to resolve a " debt '' that is supposedly mines with " National credit system '' I have been sending them letters to verify that I signed and owe them the alleged debt, however they still have not produced any information stating what debt I owe them. Now they have put this debt into collection on my personal credit and it is damaging my credit. I never gave them permission to run, use or verbal persmission to obtain my social security number and ever since they obtained my ssn I been going through a case of identify theft. I have been trying to communicate with this third party group since may timeframe giving them 30 days to resolve the issue. They have had the last 90 days to resolve this issue and since they ca n't comply with my request I am filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian.com several weeks ago. I pay {$24.00} for a service with them. I notated when bring up my account online that my synchrony bank XXXX XXXX was missing all of its information including the history, the credit limit and balance. 

After 7 hours on the phone and being sent back and forth, they are claiming they see the information at their end, however the paper report that they sent me shows the same as I see on my account. 

They are totally rude, and do nothing other than keep blaming other departments. I need the account that I have online for this specific account to show the correct information. 

The tools available to me showing my score and usage is completely wrong due to this situation. 

Any help would be appreciated.
Product: Credit card or prepaid card

I recently opened this card. I had been making payments online and experiencing issues logging into their website. 

My XXXX payment was a few days late and the card company called me multiple times without leaving messages throughout the day. I was upset at the incessant calls with no urgency to leave me a message so I shot off the payment online and a message to their customer care on XX/XX/2023. I titled the message Stop Calling me and put in the body of the email that they should try to ensure that their payment systems online were more dependable. I never indicated that this was a cease and desist and I never would have sent the message at all if I had known that the company would take the extreme measures that they have and actually place this irremovable mark on my account without even confirming with me that was what I asked for. 

As a result, the company will not allow me to use the credit and will not remove the hold. They are not accepting responsibility for the rash decision that their employee made in assuming that I would want my entire account turned off by what I titled a quick email. 

I acknowledge that I was upset and should have refrained from sending the communication but the response from Comenity is far more irrational that my own irritated response. In fact, they want me to close the account and reapply which will adversely affect my credit score. This is unacceptable to me.
Product: Debt collection

Kohl 's department store keeps calling me, at least XXXX times a day
Product: Credit card

In XX/XX/XXXX I was approached in XXXX XXXX while waiting to board a XXXX Airlines flight and asked if I would like to earn free XXXX flights by signing up for a credit card. I asked if the credit card had an annual fee ant the sales person said there was no annual fee and there would be no annual fee. On that basis, I applied for a XXXX branded credit card issued by Bank of America by giving the salesperson which he entered into a tablet. Over the course of the next year, I accumulated over XXXX points ( miles ) which could be used to reduce the cost of airfare with XXXX Airlines. In XX/XX/XXXX, I received a letter from BoF thanking me for being a customer and informing me that a {$59.00} annual fee would appear on my XXXX credit card bill. I immediately called Bank of America and they informed me the charge was XXXX Airlines responsibility. Tey even gave me the phone number and phone tree sequence of number to reach XXXX. Upon calling XXXX, I was informed the charge was not theirs, but would be generated by BoF. Whin I called BoF again, they acknowledged the charge was an annual fee for that particular credit card. They refused to waive the fee and reminded me I would lose all benefits if I cancelled the card. Having been backed into a corner, it appears the correct economic decision is to bite the bullet, pay the annual fee, and use the miles as quickly as possible before cancelling the BoF credit card.
Product: Vehicle loan or lease

Purchase date XX/XX/21 Still no license plates Dealer agreed to fixing vehicle and has not
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX Balance {$570.00} DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} DEPT OF EDUCATIONXXXX XXXX Balance {$3700.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX, equifax and XXXX reported a new collections account on my report. XXXX XXXX XXXX is the collector and the account belongs to XXXX which was XXXX XXXX XXXX. On XX/XX/XXXX I paid the account in full with XXXX even though I dont believe the debt to be accurate because they told me they would delete it from my credit report. The conversation was recorded and happened with 2 separate employees. These collections need to be removed from my account ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account ending in XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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/XXXX
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 XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX regarding account number XXXXXXXX XXXX XXXXXXXX XXXX in the amount {$680.00}, has violated my rights. 

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 also states that a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX XXXX XXXX DELETE ACCOUNT XXXX : XXXX  DELETE ACCOUNT XXXX : XXXX XXXX DELETE ACCOUNT XXXX : XXXX CARD- DELETE ACCOUNT I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including Equifax and XXXX. 
1. Recent Lawsuit Findings : In separate rulings, courts have determined that Equifax and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine.

2. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of Equifax and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : 1. Immediate investigation into the disputed items listed above.

2. Removal or correction of the inaccurate information.

3. An updated copy of my credit report reflecting these corrections. 

Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Mortgage

A prior complaint was filed by me in reference to mortgages with Signature Banker secured by two apartments in XXXX XXXX. I advised the bank that they erroneously engaged in a foreclosure action against me. After sending my proofs of payment, the bank finally acknowledged that it made an error and sent me statements which included charges relating to the foreclosure. I should not have to pay such charges if the bank improperly engaged in this action against me. Furthermore, we have attempted to make monthly payments in the past and the bank has rejected them stating that it will only accept a payment that conforms to the fully amount they are claiming is due to them. I am seeking to receive proper statements from each of these loans which portray the amount that is owed so that payment can be made.
Product: Credit reporting or other personal consumer reports

I have been been asking for validation multiple times and not getting anywhere. They are reporting a past due balance along with a charge off. I have requested a copy of the XXXX that they never sent to me for the charge off. I have also asked to validate the debt. I have requested itemized /detailed statements showing all charges and also a copy of the signature of who authorized these charges to show I have personally make them and they can be validated. Neither has been given but they are still reporting to my credit incorrectly. They have continued to not resolve this problem but still reporting incorrectly during this process. 
I am asking them to validate but to stall they are sending me a letter requesting the information from me that I have requested from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax credit reporting agency block the information on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. The fraudulent and inaccurate information includes : 1. An auto loan account opened with XXXX in XXXX under account number XXXX. 
2. An auto loan account opened with XXXX XXXX, in XXXX under account number XXXX. 
3. A personal account opened with XXXX XXXX XXXX XXXXXXXX, under account number XXXX. 
4. A collections account with XXXX opened on XX/XX/XXXX, with a balance of {$690.00}. 

XXXX. A collections account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1100.00}. 

These fraudulent accounts have caused multiple unauthorized hard inquiries and fraudulent collections to appear on my consumer FICO credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report maintained by your agency, which highlights the fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries. None of these accounts, collections, or inquiries were opened, initiated, or authorized by me. They are entirely the result of identity theft and fraud. 

Additionally, I have included a copy of the FTC Identity Theft Report, Case # XXXX as evidence that the listed accounts, collections, and inquiries are the result of identity theft. I request that all fraudulent items be removed promptly, as required by law.
Product: Student loan

Peaks loan company is unwilling to assist with repayment options, I never signed up for them and was never informed by XXXX XXXX, and their interest is the highest I have ever seen for student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that you promptly initiate a comprehensive investigation into the unauthorized inquiries on my credit report. Please provide me with a detailed report of the findings and the steps taken to rectify this situation. 

Remove unauthorized inquiries : As per my rights under the FCRA, I request the immediate removal of all unauthorized inquiries from my credit report. This should be done within the stipulated time frame of 30 days, as mandated by federal law. 

XXXX XXXXXX/XX/2023XXXX XXXX, 2023 XXXX XXXX XXXX XX/XX/2023XXXX XXXX XXXX 2023 XXXX XXXX XXXXXX/XX/2023XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX, 2023 XXXX XXXX XX/XX/2023XXXX XXXX, 2023 XXXX XXXX XXXXXX/XX/2023XXXX XXXX, 2023 XXXX XXXX XXXX XX/XX/2023
Product: Checking or savings account

In XX/XX/2022 Chase bank allowed XXXX XXXX XXXX to take {$750.00} to pay off an account that was not authorized by me. Chase claims the person had my debit/bank card, immediately when the charge came through, I cancelled the card and reposted the fraudulent charge. After speaking with XXXX XXXX XXXX they acknowledged the person was out of state and the email address that was used for the payment, was returned indicating the email address was incorrect. Both XXXX XXXX XXXX and Chase blame each other and neither would accept responsibility and blamed each other back and forth during the 30-60 days when I disputed the charge.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I deposited XXXX dollars from my bank into my Crypto Account. I did this so I could transfer XXXX to another wallet. It gave me an error and said it would require pending upto 7 days. 
So today I noticed the funds removed from my.bank account and attempted the transfer again and received the same error message I Spoke to support who.said they were unable.to.help me.because I couldn't say what error was coming up and transferred me.to.a specialist. It's been 12 hours And ice yet to.hear back yet I've lost XXXX dollars already because of.the price of crypto.