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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00}
Product: Credit reporting or other personal consumer reports

I am a small business owner, I have disputed the discrepancies on my credit report for over 10 years with very little success. I have used each agencies platform and their platforms tools that are provided to correct this information but to no avail. I am requesting that the Consumer Financial Protection Bureau investigate all three consumer reporting agencies XXXX, TransUnion, and XXXX on my behalf. The current discrepancies and inaccurate personal information is causing substantial damage to my credit history and impeding my ability to obtain new personal credit as well as business credit. XXXX, TransUnion, and XXXX are in violation of the Fair Credit Reporting Act. Specifically 15 U.S.C. 1681s-2 under the Fair Credit Reporting Act ( FCRA ). This section of the law outlines the responsibilities of those who furnish information to consumer reporting agencies ( credit bureaus ) and sets the legal obligations for ensuring the accuracy of the data they provide. I have made nine Consumer Financial Protection Bureau complaints in total on the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year> for Credit reporting and Improper use of my credit report. I request that all derogatory and negative information be removed from my consumer report. According to the Fair Credit Reporting Act it is XXXX, TransUnion, and XXXX 's Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ) : Furnishers of information have a duty not to report information they know, or have reasonable cause to believe, is inaccurate. 
If the accuracy of information is disputed by a consumer, the furnisher must correct, update, or delete any inaccurate information after an investigation. 

Duty to Correct and Update Information ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Furnishers must update or correct any information they find to be inaccurate, incomplete, or that needs to be updated, in order to maintain the integrity of consumer reports. 

Duty to Investigate Disputed Information ( 15 U.S.C. 1681s-2 ( b ) ) : Upon receiving a notice of dispute from a credit reporting agency , the furnisher must : Conduct an investigation regarding the disputed information.

Review all relevant information provided by the agency.

Report the results of the investigation to the credit reporting agency.

Correct or delete any information found to be inaccurate or incomplete as a result of the investigation.

The FCRA has established the legal grounds for consumers to dispute and rectify inaccurate credit reporting data. Private Right of Action : Under 15 U.S.C. 1681s-2 ( b ), consumers can bring legal action against furnishers who fail to comply with their investigation and correction duties once a dispute is raised with a credit reporting agency. However, consumers can not sue furnishers directly for failing to provide accurate information under 15 U.S.C. 1681s-2 ( a ) ; only state and federal agencies, like the Federal Trade Commission ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ), can enforce that part of the law.
Product: Credit reporting or other personal consumer reports

I have noticed several fraudulent accounts being furnished on my credit report for the month of XXXX. I am really frustrated after finding out about this situation as I couldnt believe that someone could have access to my credit profile without my knowledge and used my identity for their own advantage. Please take these fraudulent items off of my record as soon as possible. 

I have already created an Identity Report for my own protection as I dont want my name to be put in shame due to these deceptive items found on my files that I have no knowledge of. Please see the following fake accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous communication regarding the late opening of my accounts. Despite our previous correspondence and the efforts made thus far, it appears that the issue of late open accounts has not been resolved satisfactorily. 

As a valued customer, the delay in opening my accounts has been a source of inconvenience and frustration. I understand that resolving such matters can take time, but it is crucial to ensure that my accounts are opened in a timely manner to access the services and benefits associated with them. 

I kindly request that you escalate this matter and take all necessary steps to rectify the situation promptly. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$81.00}.
Product: Credit reporting or other personal consumer reports

I closed a real-estate transaction using XXXX XXXX XXXX XXXX  XXXX XXXX ) as my mortgagee. My first payment towards this mortgage was dated for XX/XX/XXXX. I submitted this payment before it's due date. I received an email XX/XX/XXXXXXXX  from an ( XXXX  ) representative letting me know that they received my payment, but didn't have a loan number associated with the payment. I provide the loan number and I was told by representative XXXX, XXXX " the loan payment was applied today to your loan '' XX/XX/XXXX. My loan was then transferred XX/XX/XXXXXXXX  to XXXX XXXX XXXX  ( XXXX ). After several months I noticed that XXXX updated my credit report stating a 30 day late payment XXXX, XXXX  which is the same month my loan/monthly payment was transferred to XXXX  and subsequent charge offs XXXX and XX/XX/XXXX. I submitted a dispute with the XXXX credit Bureau who were reporting this false information, being Experian and XXXX. The credit bureaus " investigation '' came back validating the incorrect information. When I contacted both bureaus for proof validating the claim I was told they do not provide documentation regarding claims to consumers and I would have to contact the reporting company. I reached out to XXXX XXXX XXXX XXXX loan servicing department several times for proof substantiating their claim most recent on XX/XX/XXXX. The loan servicing department was unable to provide me with any documentation substantiating the claim. I compiled all conflicting information and opened another dispute with the credit bureaus citing all discrepancies found during my own investigation. The credit bureaus still deemed the information provided by the reporting company ( NASB ) as valid after their most recent " investigation '' XX/XX/XXXX. I have filed multiple disputes with both credit bureaus regarding the false reporting ranging from XXXX, providing the same proof that I have attached below proving the claim as false.
Product: Credit card

i made an account with chime on XX/XX/year> and they said my card should arrive in 7-10 days. its been 18 days, 13 if you exclude weekends. i called chime on XX/XX/year> and asked about it multiple time and couldnt get the answer i wanted. so i told them just send another card and they talking about its gone be another 2 weeks before it gets here. thats longer than the original 7-10 days. im already behind on rent because they didnt send the first card like they was susposed to. i told them i need my card today or tomorrow at the latest and they need to compensate me for chime being incompetent. it is XX/XX/year> as i write this complaint
Product: Student loan

I was called by someone from a company called XXXX XXXX claiming to be working with the department of education. They told me that through Obama Student Loan forgiveness they could freeze my student loans, guide me through reducing my monthly payments and ultimately get me a $ XXXX monthly payment, but I would have to work with another company ( Equitable Acceptance ) to monitor and/or help me through this process. I was told that this company charges about {$1300.00} for me to get this help. Payments would be broken down to $ XXXX/month and that I would need to make my first payment upfront before they could begin their processes. They then told me they needed my FSA ID and made me confirm my challenge questions. The result I was promised was that after the 3 years that {$1300.00} would be paid off and my students loans would then be forgiven. I was nave enough to believe all this and I agreed to the terms. My student loans were never frozen and this company has been continued to charge me monthly. I have not heard anything from them at all and not received any guidance on helping me with my student loans at all.
Product: Debt collection

Navient hired XXXX XXXX XXXX XXXX to Collect on a private student loan. XXXX XXXX XXXX XXXX has repeatedly used deceitful collection practices to try and collect on the debt. I called XXXX XXXX XXXX Systems today to make a payment, they proceeded to ask me to update my address with them. I told the person no i just want to make a monthly payment of {$250.00} as I have been doing since XXXX 2015. They then transferred me to their " credit card processing '' line, and they proceeded to ask for my address again which they had never done before when I had made a payment. The intent of asking for my address again had nothing to do with processing a payment, the intent was to deceitfully try an collect and updated address. This is deceitful collection practices under the Fair Debt Collection Practices Act. Navient has repeatedly hired these unscrupulous and deceitful debt collectors to collect on their debts.
Product: Credit reporting or other personal consumer reports

I am formally request for the removal of unknown inquiries and personal information from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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 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: Student loan

When student loans left the federal forbearance period in XXXX, 2023, I set up auto pay with my credit union so Ed Financial could take out my payments and apply them automatically. They have been withdrawing the money every month ( XXXX, XXXX, XXXX so far ), but are not applying those payments to my account. They continue to send me late payment notices but the money is leaving my checking account. 

I have tried to escalate this with management at Ed Financial, but the only action they have taken to date is to cancel my auto pay. Now my Ed Financial statement shows that I am nearly {$1800.00} overdue in spite of auto pay taking that money out of my bank account.

I have shared with them twice now, bank statements proving the withdrawal on the same date each month, but Ed Financial continues to pass me from agent to agent with absolutely no resolution in sight. I will consider legal action in this matter if I can't get an amicable resolution as I am currently being defrauded by this servicer. 

I am attaching images of my accounts and billing statements. In the statement from Ed Financial you can clearly see that I was enrolled in Auto Pay until this week. This was Ed Financial removing me from auto pay, but not correcting their error. Please feel free to reach out if you need any clarification for these images.
Product: Checking or savings account

The account I opened with HSBC US in XX/XX/2023 was closed without any notice. In the message I received later, they said they could close my account with or without reason, but they After closing my account, I shared the information with other partners that I did not authorize and claimed that my account was closed due to financial crimes. However, I did not violate any account terms or U.S. laws and regulations.. They unilaterally closed my account without facts and reasons, and HSBC USA sent other banks or financial institutions the false information that I had committed a financial crime. This false information caused other banks to refuse to serve me and damage my reputation. became a huge influence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$460.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$420.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$300.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1500.00} Fraudulent names XXXX XXXX XXXX Fraudulent addresss XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter dated XX/XX/2021 directing SageStream to mail my yearly consumer disclosure. Sagestream choose not to comply and did not send me a copy of my consumer disclosure.

Sagestream has a history of not complying with requests for disclosure. See previous complaint : XXXX
Product: Debt collection

One Debt is XXXX for over {$800.00} said to originate in XXXX I think- I have not had XXXX as a phone service sense early XXXX  Do not know what this is and they will only tell me it is for XXXX phone service, I am not to pay for something that is not mine. I have asked all credit agencies to remove, have filed dispute after dispute and they will not remove from my credit! 
Second is a debt with Synchrony Bank for around {$200.00} - {$250.00}. I had to ask credit agency to spell the bank name as I have never had any dealings with said bank. I do not know when this happened - found out about and again did dispute after dispute and the credit agency will not remove. 
I pay my debts! I should not have to pay a debt that is not mine!!! I should not have to have my credit score low because these agencies will not remove a debt that is not mine!!! 
Today the rep with XXXX said that they will not remove because I did not file police report or file report to you FTC.gov. I did not even know how to reach out to you before today. 
Please help me. I have been trying to rebuild credit from a Bankruptcy over 25 years ago and these two things are keeping my score from going up!!! I should not have to pay for this in any way shape or form! 
Thank you in advance for any help you can give to me. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im not liable for this debt with XXXX XXXX. I dont have a contract with XXXX XXXX XXXX XXXX I reviewed my consumer report and Ive noticed in accurate account or accounts on my consumer report Im referring to this frivolous account # XXXX XXXX XXXX A consumer reporting agency have consume the vital role have a responsibility to report consumer information to the best of there ability with maximum accuracy. I have contacted EXPERIAN have ask the to reinvestigate and remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act : and this disputed item may not appear on my credit report if it can not be supported by any evidence of proof. I DEMAND THIS ACCOUNT TO BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to provided physical verification according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose. In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports. In accordance with the written instructions of the consumer to whom it relates Please remove this creditor has violated my rights please remove late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

In 4 years of payment history, Wells Fargo is showing 2 miss payments. I called to resolve the issue, but they are unwilling to work with me.
Product: Debt collection

XXXX XXXX XXXX used extremely aggresive legal tactics to collect on a Discover Card that was used by someone in XXXX XXXX a place I have never been. I finally paid them because they had frozen my bank account though Discover and XXXX XXXX XXXX knew that these charges were not mine. Now after they have been paid they have a lein on my house that is preventing me from refinancing. They not only collect a debt that was n't mine but failed to release their lien on my property at XXXX XXXX XXXX, XXXX nj XXXX. I would like to know my legal options.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Eagelhardt v. gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist pursuant to 18 USC 8 I owe no debt this company is violating My consumer right to privacy pursuant to 15 us 1681 b 2 company has also no permission to report anything using my personal information pursuant to 15 USC 16814 Below is listed all third party consumer companies reporting my personal information without my consent I want the rental Judgement in the amount of {$2100.00} XXXX removed from all companies listed XXXX XXXXSafeRent Solutions -Corelogic XXXX XXXX XXXX -XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, have discovered several violations done on the part of the financial servicing company XXXX XXXX XXXX XXXX XXXX XXXX and Aidvantage. 
Pursuant to federal consumer regulations 15 USC 1681a ( 1 ) a consumer report is one of a written oral report provided by the consumer ( I, the consumer did not provide this information to any of the credit bureaus ) 15 USC 1681a ( 2 ) ( ( A ) ( i ) ( ii ) ( iii ) - prohibits the furnishing of any information pertaining to transactional relationships and communications between the corporations and consumer 15 USC 1681 section 602 A states I have a reasonable right to privacy and that has been violated 15 USC 1681 section 604A states that a consumer reporting agency can not furnish a account without my written permission ( I the consumer did not give any consumer reporting agency permission to furnish this information ) XXXX  and AIDVANTAGE furnished inaccurate and damaging information to my consumer credit report XXXX XXXX and XXXX Consumer has also discovered pursuant to 15 USC 1 every contract in restraint of commerce is declared illegal and is fined at {>= $1,000,000} or jail of 10 years Consumer grants permission to CFPB to act on their behalf
Product: Student loan

I applied for and was granted a {$7500.00} student loan by American Education Services ( AES ) in XXXX, to be paid by XXXX ( nw XXXX ), for pre-law studies at XXXX Universityy in XXXX. I never received payment, but my loan went on the AES books as an Account Receivable. I took only one class at XXXX, and paid for it out-of-pocket. Fast-forward to XXXX : I am being hounded by a collections law firm in suburban XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, IL ), as they bought the paper on a claim that AES was awarded a default judgment several years ago for this " debt '' on a payment never received on a loan never used. AES can not produce a copy of the cancelled check with my signature, XXXX has no record of a deposit of that size, and as they not do this kind of loan, they have no XXXX records of the check, either. Saturday, I received notice of a hearing in XXXX to issue a wage deduction summons for {$21000.00}, for the " loan '' plus interest and court costs. This is absolutely outrageous, to put it mildly.