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

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. 

I was advised to send a " Dispute '' Letter to each of the 3 credit bureaus to validate the accounts under the FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt ''  so that you can see the tracking of this letter. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you ( credit bureaus ) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and show 100 % verification of the accounts that they're reporting on my credit reports. The only letter Experian sent back to me after my 1st letter to them was saying that they verified all of the accounts that I was disputing. They did not provide ANY documentation showing how they " verified '' the information, nor did they send me any signed contracts or signed applications. 

I then sent ANOTHER letter to them disputing the debts once again, and asking them to provide proof under the FCRA that these accounts belong to me. I told them that you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ). 

They have STILL once again sent me a letter stating the accounts are verified, but have continued to violate my rights by not providing ANY documentation backing up their so called " investigation ''. 

Please note that I have dozens of accounts on my credit reports that are being reported correctly, and I am not disputing the validity of those. ONLY the several accounts that were in my dispute letters that I have attached. 

I demand that these erroneous accounts be removed from my credit report by Experian immediately. 

Thank you for helping me resolve this matter.
Product: Checking or savings account

Time was spent call XXXX, typing and creating dispute letters, and licking a credit reports. Time was spent going back and forth to the post office. Time was spent finding errors on my credit. Reports time was spent calling XXXX multiple times. Time was spent filling out envelopes.Time was spent printing and signing dispute letters. Time was spent filling out usps certified mail forms. Time was spent in line at the post office
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has violated multiple USC 's : 15 USC 6802-6805 : Obligations with respect to disclosures of personal information. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me emotional damages and defamation of character.

CFR 313.4 Initial privacy notice to consumers required CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Bankruptcy account that's inaccurate. Equifax came back claiming it was verified with XXXX. The furnisher of this account is XXXX court house where I sent a letter to. There response is enclosed. I will also send the verification letter from equifax as to how they verified. Even after a ton of proof I sent to them they continue to violate my rights. I want this account removed for deformation of character and for lieing about have it verified by the furnisher. Thank you. Evidence is enclosed
Product: Money transfer, virtual currency, or money service

I was the victim of an elaborate XXXX  XXXX  scam that started on XXXX XXXX of 2021. I hired an investigator who helped me track down my funds after I discovered it was a scam and they found that the scammers were keeping my funds in a Binance wallet. I tried to provide the information that Binance.com requested after I told them that I was scammed on Friday, XX/XX/XXXX ( today ) but they said that it was insufficient even though it shows the wallets that I sent money to ( the scammers ) and if you look at the XXXX, it gives the transactional details and shows the accounts where my funds are located. I asked them what they would do with the information that I provided, and they said they would not provide me a refund without a request from the police, even though they are still responsible for allowing criminals to commit crimes through their platform. Cryptocurrency platforms are obligated to abide by the Anti-Money Laundering Act just like other financial institutions. I lost {$19000.00} to the sophisticated scammers altogether and they need to give me my money back.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX XXXX and opened a joint account with my son who has a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was attempting to help him with his money and bills. I explained to the account rep i would be primary in North Carolina and needed a debit card sent to me ASAP! 
I called for 2 weeks solid and was told the debit card was on its way. It was a lie all along. They never sent it to me they mailed both to the XXXX XXXX my son lived in. Before i could get registered, they refused to help me from NC! My son was extorted and robbed for around XXXX. Once i got help from Manager and got logged in to account, i seen a ton of fraud! I told them it was all fraud and to shut down the card. They never asked about 3 different people XXXX XXXX XXXX XXXX XXXX XXXX! I constantly reported it. My son told them he fidnt authorize snd that they were taking his phone and transferring money. 
They refused to stop the financial abuse and kept the account open until it was completely gone. 
All in all, my son had his money stolen, his wallet and phone, his car stolen that he just bought that day and they murdered him. 
Yes my son was murdered and commerce bank allowed the abuse for weeks!! 
They did not want to refund any but did refund like XXXX because the thugs were still taking money as he was incapacitated. 
I contacted fraud in XXXX XXXX to request help after the branch manager was unable to do much of anything. I also have a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX who used his XXXX XXXX multiple times each. As many as 25 times in a week or so. Its on his statements. They were also attempting to take money out if other apps while he was on life support These are nasty animals. They also storle all his clothing, belongings, phone, money, and car Then they killed him. 
Disgusting filth Commerce is at fault for refusing to listen to s mother trying to help her son to keep from being taken advantage of by these filthy animals. 
Im missing XXXX XXXX XXXX XXXX XXXX  and these fools busy kept giving his money put for weeks
Product: Mortgage

On XX/XX/year>, I made my mortgage payment via XXXX XXXX ( prior to XX/XX/XXXX due date ). After checking my account online on XX/XX/XXXX, I noticed the payment was credited to my account and called customer service. They advised this would be sent to the research department. 

Ive called several times since then and havent an update. I am now receiving letters in the mail that my loan is default, which isnt true because Ive made all my payments. 

I spoke with XXXX XXXX and they advised the payment went through on their end. I have receipts of my XXXX XXXX transaction.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, upon reviewing my ChexSystems consumer report on XXXX, I noticed a Charge-Off from XXXX XXXX dated XX/XX/year>, RTN/ACCT # XXXX with an amount of {$450.00}. ChexSystems is in multiple violations with the said account. 15 U.S.Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( CHEXSYSTEMS ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CHEXSYSTEMS ) shall not furnish any information relating to a consumer ( Myself ) if the person knows or has reasonable cause to believe that the information is inaccurate. CHEXSYSTEMS, can not report on a charged-off debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 15 US Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ChexSysyems is a non-affiiliated party of XXXX XXXX on which my information is shared. XXXX XXXX Never informed me of my right to exercise my non-disclosure option. Having understood that this is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. If ChexSystems can not provide my written authorization, the charge-off must be removed. Furthermore, 15 US Code 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The above listed accounts are adverse items which are being reported by ChexSystems without my permission which is against the law. Both together and separately, my consumer and privacy rights are being violated. The aforementioned charge-off is to be removed from my ChexSystems consumer credit report and file IMMEDIATELY as its reporting has caused myself and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX started in XXXX they stated we were late on payment well they actually changed due dates to make us show late twice. I tried to correct in XXXX when made aware of the issue. They said it is what it is. I had the issue again in XXXX I then decided to change lenders. The practices of XXXX XXXX XXXX are not good or moral. I have had several attempts with credit companies to have false information removed. I noticed they had a suit filed for illegal practices with XXXX which is where we obtained the vehicle loan. I am just trying to remove false information from my credit reports which has held me back for 6 yrs now. Why is this so hard. Angry and frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect sinceXX/XX/XXXXXX/XX/XXXX. Acct number XXXX Company named XXXX is reporting paid account open on XXXX and XXXX report. The account was paid XX/XX/XXXX but on all 3 credit reporting agencies dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have disputed this account be removed twice to all 3 agencies. They state XXXX was the original creditor I never received student loan through XXXX my student loans were Federal loans opened in XX/XX/XXXX and XX/XX/XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXX as reporting on XXXX and XXXX. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX, XXXX Solutions ( acct XXXX ) opened XX/XX/XXXX and XXXX orig delinquency date should be XX/XX/XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, XXXX XXXX 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: Mortgage

I fell behind do to con-vid, and filed for forbarrence multiple times, and was never able to get back on my feet. 

The house is now being " foreclosed ''. 

I submitted a notarized " RESPA '' request, and in return, I received multiple copies, including the promissory note, wasn't copies withe the original signature, ... ( forged ). 

... ..also, multiple attempts was made to resolve the current debt with a " 1099-c ", " 1099-nec '', and 1099-oid " IRS " tax forms. 

No appropriate action was resolved.
Product: Student loan

The only options that I have been offered by Navient are forebearance, income sensitive repayment, 9r graduated repayment. My income has not increased but actually decreased. My loans originated in 1999  and have higher balances now than origination. I can not afford the standard payment options offered. Forebearances have only increased my debt, resulted in additional interest and not benefited me. The consequences of forebearances were never explained and always offered as sson my loans went delinquent.
Product: Debt collection

Yes XXXX XXXX XXXX, is attempting to get me to pay an account that was sold to them by Citi bank unlawfully and I did not consent, which is against my rights and privacy. And also makes the debt a certificate of indebtness. Yet this is still in my credit report and they are still harasss me by mail. The account is CHARGEDOFF Which is certificate of indebtedness- which is a payment so why is my account still negative. [ 15 USC 6803 ] [ 15 USC 1681b ] 15 FCRA
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Way XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Deletion and Blocking of Accounts Due to Data Breach Dear Sir/Madam, I am writing to formally notify you that I am a victim of a data breach, and I request the deletion and blocking of the accounts listed below on my Experian credit report. As provided for in 15 USC 1681c-2 ( a ), I am entitled to request the blocking of any fraudulent accounts that result from such breaches. 
Please find the following details related to the breach : Full name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Date of birth : XX/XX/XXXX Social Security Number : XXXX Accounts affected by the breach : 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 XXXXXXXX XXXX XXXX XXXX CREDITOR INQUIRIES : ( Experian ) ( Experian ) ( XXXX ) ( Experian ) ( Experian ) ( Experian ) ( Experian ) ( XXXX ) Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Unions XX/XX/XXXX XXXX I ask that you block all fraudulent accounts that have been compromised or opened as a result of the breach, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681c-2 ( a ). I also request confirmation that these accounts have been deleted or blocked from my credit report. 
Please send me written confirmation of the actions taken within the required timeframe. 
Thank you for your prompt attention to this matter. Should you require any additional information or documentation to process my request, please do not hesitate to contact me. 
Sincerely, XXXX XXXX
Product: Student loan

On XXXX XXXX 2016, my student loan vendor changed from XXXX to ESCI Heartland. 

While the account transfer was taking place, I was under the impression that no fees or penalties would be assessed. I was able to enrolll in autopay starting in XXXX 2016. 

However, to pay my monthly payment of {$120.00} I was assessed an XXXX cent fee. Seeing as I do not have a choice but to make a one time payment for XXXX, the fee seems trivial and a way to ris
Product: Debt collection

Report of Unauthorized Debt Transfer and Suspicious Activity by SST Systems and XXXX I am submitting a formal complaint regarding the unauthorised transfer of my loan from Tally to SST XXXX and Services XXXX ( SST ), and the suspicious practices I have encountered during this process. 

Background : For several years, I made timely, automatic payments of nearly $ XXXX through the XXXX app. Recently, I noticed that no payment was debited from my account, and I could no longer log into the app. Shortly afterward, I received an email from SST notifying me that they had taken over my loan, but this email was flagged as spam and delayed in reaching me. 

Key Issues : XXXX. Lack of Notification and Authorisation : I never authorised the transfer of my loan to SST, nor was I notified by Tally that this would occur. 

XXXX. Suspicious Communication from SST : SSTs email included a payment plan of $ XXXX less than what I was payingwith no explanation or disclosure of the interest rate. Their phone number did not work, and their payment link was non-functional. 

XXXX. Inadequate Transparency : When I finally reached SST from a number I found on XXXX, they provided vague responses, stating Tally had shut down. They refused to disclose critical loan information, including the interest rate, and mentioned they can not support online payments like XXXX had. 

Suspicious SST Contact Information : Mailing Address : SST, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Email Address : XXXX ( XXXX domain is inconsistent with SST, raising concerns about legitimacy. ) Concerns : The debt transfer was done without my consent or prior notice, which violates the Fair Debt Collection Practices Act ( FDCPA ) SSTs lack of transparency, unresponsive communication channels, and suspicious email practices suggest deceptive or improper debt collection activity. 

I request that the FTC investigate both Tally and SST Systems and Services Technology for potentially violating consumer protection laws, including unauthorised debt transfer and deceptive practices. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help I reached out to the bureaus on XX/XX/2023 and haven't gotten a response. I noticed so incorrect info on my report I'm getting upset! Also I dont know who these creditor are! I will list the accounts below! 

1. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Identity Theft XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. Identity Theft XXXX Account Number : XXXX Please investigate and delete from my credit report 6. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
7. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 

8. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 

9. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report.