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

I have had several issues getting the incorrect information about my Student Loan from XXXX XXXX XXXX XXXX PROPERLY removed from my TransUnion Credit Report. I have submitted XXXX different disputes with the CFPB ( case number XXXX - XXXX as well as XXXX - XXXX ) about TransUnion violating my rights under the fair credit reporting act by repeatedly reporting FALSELY XXXX additional accounts ( when I only have XXXX fully consolidated federal student loan ) # XXXX and # XXXX both showing up as being extremely delinquent. Not only are they showing multiple additional accounts when I only have the XXXX, but I also had entered into the XXXX XXXX XXXX  Initiative way back on XX/XX/2023 and ANY AND ALL student loans under this act are ONLY to report as being CURRENT AND ONTIME. 
Now not only has TransUnion repeatedly ignored my official disputes through the CFPB and just denied me of any and all rights At the same time I have reached out to XXXX on XX/XX/XXXX and told them that my student loan account was being reported as XXXX separate accounts and that NEITHER had been removed NOR were being reported correctly as PAID IN FULL and ONTIME as they should through the XXXX XXXX XXXX XXXX. They ASSURED me that once they had reported the account as a NEW NUMBER XXXX the other XXXX old accounts would FALL OFF my TransUnion Report as they would have then submitted all of the NEW INFORMATION about my account now being CURRENT AND ONTIME under the XXXX XXXX. I was PROMISED this would happen after they reported to TransUnion on XX/XX/XXXX or XX/XX/XXXX WELL, now that time has come and gone and I see that this new account has been reported to TransUnion and STILL NO REMOVAL of the SAME ACCOUNT being FALSELY REPORTED NOW FOR A GRAND TOTAL OF XXXX, YES XXXX separate accounts XXXX in terrible delinquent status and XXXX with a hearty new debt total. And thanks to both companies denying me of my rights and falsely reporting this information I was just denied a car loan with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX listed multiple 30 and 60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60 day late  payments from my credit reports.
Product: Student loan

Navient states I am not eligible for the private loan forgiveness settlement because my private loans were in forbearance, but the qualifications state only that a person needs to have missed XXXX consecutive payments before XX/XX/XXXX, and states nothing about forbearance. I was in forbearance because they stated at the time that was my only option since I couldn't pay and if I didn't that the loans would go into default and then they could garnish wages and put a lien on my house and ruin my credit. So I was forced to go into forbearance because of their threats. Even today, XX/XX/XXXX when I tried to speak to a supervisor, she stated my loans are set to go into default next month and that they can garnish my wages and put liens on my home, which is their scare tactic. My interest rates are really large and they won't lower the rates and they refuse to acknowledge that I do qualify for the forgiveness. They harass me at least 4-5 times per day. I pulled up my payment records to Navient and it clearly shows I've missed payment numerous times and the ONLY reason I did the forbearance was due to them stating what would happen to me if I didn't and they never clearly stated the truth to me. Again, no where does it state that if your accounts were in forbearance you couldn't get the forgiveness. When I brought this up to the supervisor she then stated I didn't qualify because I had to miss XXXX consecutive payments. When I told her I missed XXXX payments she then stated I didn't qualify because of forbearance. It's not right if I don't get it when I felt pushed into forbearance in order to keep my wages from being garnished. 

I did a printout of my account with Navient and I didn't make any payments from XX/XX/XXXX - XX/XX/XXXX which is 13 months AND from XX/XX/XXXX - XX/XX/XXXX which is 9 months. The requirement for forgiveness states : " The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, XXXX XXXX, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. '' It states nothing about forbearance and I definitely qualify. 

I told the supervisor that I was filing a complaint and she then told me that my account is going into default next month and she didn't think this complaint would be addressed by that time and therefore they could put a lien on my house, ruin my credit and garnish my wages. I DON'T DESERVE THESE THREATS.
Product: Debt collection

AFNI, INC AT @ T AFNI, inc. 
XXXX XXXX XXXX XXXX, IL XXXX FTC affidavit submitted with proof of id and address. 

Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report
Product: Credit reporting, credit repair services, or other personal consumer reports

As according to the press releases on XXXX/XXXX/2017 Equifax has been breached and released personal information of millions, of which i am one. Equifax has confirmed my information including up to " names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers '' has been obtained by others. My financial security, credit health, and personal identity are now at risk though no fault of my own. Despite previous similar breaches with Equifax, such as those with XXXX, substantial security measures were not implemented to protect consumers, whose information Equifax acquired without consent of the consumers. Furthermore, Equifax did not immediately inform the public about the security breach and waited, withholding information of the event for months. This denied me and others the chance to protect ourselves and avoid being taken advantage of for their mistake.
Product: Credit reporting or other personal consumer reports

I have previously submitted a complaint with this company about the negligence they have been demonstrating within my consumer report. After getting a response from the company, they have proceeded to provide me with false and misleading statements. Apparently in XX/XX/year>, this account was " charged off as bad debt and does not cause the issuance for a 1099-C ''. This statement obviously couldn't be any further from the truth. 

According to the Internal Revenue Service, Form 1099-C : Cancellation of Debt is required by the Internal Revenue Service ( IRS ) to report various payments and transactions made to taxpayers by lenders and creditors. These entities must file Form 1099-C if {$600.00} or more in debt was canceled or forgiven. Taxpayers who receive the form must report the amount indicated as other income on their tax return. Canceled debt must be reported as taxable income on annual tax returns even if the issuer doesnt send a Form 1099-C because the canceled debt is less than {$600.00}.

There are three copies of the 1099-C. The lender must file Copy A with the IRS, send me Copy B, and retain Copy XXXX If I " borrowed '' money from a commercial lender and at least {$600.00} of that debt was canceled or forgiven, I should receive Form 1099-C from the lender. Without copy B, this company is hindering me from properly remitting my taxes.

Since this canceled debt is defined as taxable income in the eyes of the IRS, how is it being reported as a debt on my consumer report? This company is involved in ORGANIZED CRIME, RACKETEERING, MONEY LAUNDERING, COERCION, EXTORTION and TAX EVASION. I demand that this account be removed from my credit report for erroneously reporting false debts. This company is NOT in compliance with the Fair debt collection practices act, or the Fair credit reporting act. 

I have attached the erroneous statements I received by this company to prove that the debt was charged off, which is proved to be taxable income to the IRS. Next I with submit a 1099-Barter form for the IRS to audit this account.
Product: Credit card or prepaid card

Around the latter part of XXXX, XXXX from Regulatory complaints contacted me via phone regarding a complaint via the XXXX  and requested a return phone prior to XX/XX/XXXX. I returned the call multiple times. Upon speaking with XXXX. ( rude and unprofessional behavior ), I did not get my credit for {$750.00}. I requested to speak with a supervisor but no one has returned my request nor has my issue of a credit has been resolved. 

( I authorized for placement of new parts onto my vehicle ) for the requested service repair radiator ( Per XXXX ) BEFORE the determination of the reason why the CHECK ENGINE light is ON. Video of explanation of diagnosis for the vehicle per XXXX XXXX. https : XXXX This video was given to XXXX at XXXX & XXXX XXXX XXXX. My quote of said service was XXXX Once the parts were received XXXX was able to move forward in XXXX. Once the pandemic hit. I was out of work. SO I informed the business of my financial situation which extended well beyond the initial phase, as we all aware. However, I was grateful that my car was done complete per XXXX. Because the repairs were started on XX/XX/XXXX. 
From : XXXX XXXX XXXX XXXX To : " XXXX '' XXXX Sent XXXX Thursday, XX/XX/2020, XXXX XXXX  PST Subject : Re : Parts Ordered we received the grommets, I needed those to begin repairs. 
just waiting on the small outer grille. 
thank you. i will send you the invoice I informed the Shop owner XXXX of my anticipated date for pick in XX/XX/XXXX ( well beyond the time repairs were started and my anticipation of being completed. ) At that time, XXXX requested to bring the car to me. So, I was happy about that. Nonetheless, though I requested pictures ; none were given showing the car completed, I paid {$800.00} additional to the original estimate of XXXX, requested to diagnose my AC ; charges for AC work which I did not AUTHORIZE and no AUTHORIZATION or client being informed of any charges beyond the XXXX. 

Due to the fact, I was leaving town and I needed my car without revocation. I paid the ASTRONOMICAL AMOUNT OF XXXX. Due to the over charges in labor. I went to XXXX for an evaluation of the work done. It was determined that the invoice was not understandable which leads me to further believe. I am overcharged and some work was corrected by XXXX which cost me {$370.00}. I was OVERCHARGED in labor hours Therefore, I want an credit to my account for the difference
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX  OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$2400.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; 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, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX Account # XXXX, 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 : 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

I reviewed my Consumer Reports and noticed that I had TWO late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of t
heir ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Amex, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Product: Debt collection

This not my account I asked repeatedly for proof regarding this account the complete profile where the signature was provided not a statement I want to know who signed for this account it's been years XXXX  is not investigating the claims associated with the collection on the account I asked the debt buyer for proof of signature who signed for the account nothing has been provided this has been going on for years either provide the proof or remove it
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any acccounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
DEPTEDXXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$310.00} XXXX XXXX XXXX  Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I noticed some unauthorized accounts on my credit report that I did not benefit from. I need these fraudulent accounts removed from my entire credit reports from all three bureaus. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!
Product: Debt collection

I am writing this letter in because I received a lawsuit in the mail from Law Office of XXXX XXXX XXXX about a debt reported by Kino Financial in the amount of {$2600.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation with my signature proving that I owe this debt ; and a copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
Product: Debt collection

In 2017 I was transferred to the XXXX  and after a while XXXX XXXX XXXX sent a surprise bill with astronomical fees added and refuse to file this against my insurance .They have put this on my credit report and damage my credit and financial well XXXX XXXX XXXX has a history of mistreatment patients with surprise medical bills for many years and need to be investigated thoroughly! Please assist me in getting legal action against this company for damages and charging a {$2200.00}. fee for a local transfer to the XXXX
Product: Checking or savings account

At the beginning of XX/XX/2018, I applied for a XXXX XXXX XXXX XXXX   Business Checking account. I opened the account because I saw a promotion online for : " To earn a {$250.00} cash bonus, open a new Free Business Checking or any Union business checking account, maintain an average balance of {$2000.00} or more during the first 60 days and make any combination of 8 qualifying transactions by debit card at merchant locations, check, or online bill payment within the first 60 days. '' On XX/XX/2018, I received an email from an account administrator requesting business verification documents. I provided the requested documents on XX/XX/2018. 

During the rest of the month of XXXX and beginning of XX/XX/2018, the bank requested additional verification documents, to which I provided in a timely manner. 

On XX/XX/2018, it was informed to me that my account opening was successful and in order to open the account, an opening deposit was required. I was provided a mailing address to mail a check to, to which I provided. The check was cashed and deposited in my account on XXXX. 

Based on the extended process to get the account opened, I was under the impression that I had 60 days from XX/XX/2018 ( account opening date based on all correspondence I received ) to meet the promotion requirements, per the terms noted above. 

However, in the beginning of XX/XX/2018, after a follow-up call, I was informed that my account was actually opened on XX/XX/2018, and that the 60 days were nearly elapsed. At this point it was infeasible for me to actually meet the promotion requirements. 

I moved forward and actually completed the promotion requirements based on my understanding of the effective account open date of XX/XX/2018. 

I reached out to Union Bank via phone and email ( XX/XX/2018 and XX/XX/2018 ) to reconcile this issue, which was cause by the Union Bank elongated account opening process, to which no responses were received. I am now contacting the CFPB.
Product: Credit card

I dont understand this new bill that has taken affect regarding lowering late charges on credit cards. I have not seen one of my cards, capital one, XXXX XXXX XXXX XXXX XXXX lower any late charges. In fact they are usually {$40.00}. Who does this apply to?? And why am I still being charges this much?
Product: Credit reporting, credit repair services, or other personal consumer reports

While removing all 3 credit records I have noticed countless errors in hard inquiries that I do not recognize. I have 3 Hard inquiries on XXXX, 7 on XXXX and possibly 4 on Experian. The only accurate hard inquiry that should be on my report is from XX/XX/XXXX of XXXX This was my only authorized inquiry. Also none of the Hard inquiries match from all 3 reports. FCRA states that this information has to be 100 % accurate and it is several discrepancies within these inquiries that are being reported. Also the hard inquiry from XXXX XXXX is no longer my account and needs to be removed immediately since that account was removed from my report altogether.