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

I disputed fraudulent information on my credit report beginning XX/XX/2018. I have provided 2 police reports and numerous other information but still they are leaving on my report fraudulent accounts with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX   XXXX. I have even provided an internal fraud report number for XXXX  after visiting a local office. I was not even in the country when this happened. I was XXXX XXXX military. XXXX  has done nothing but tell me that I have to provide more information. I am about to lose my home which will make my family homeless. I faxed XXXX  a police report on XX/XX/XXXX and they stated they required a different format which I faxed them on XX/XX/XXXX. I have fax confirmations. This is after several letters dating back to XX/XX/XXXX. Spoke to XXXX at XXXX. 

I did send the same to Transunion and they have removed it from my credit report while it is being investigated. They should have been done with their investigation as I started this in XX/XX/XXXX. Spoke to XXXX at Transunion. I have a copy of the return receipt for Transunion. 

XXXX  has removed it and has been good to work with. 

XXXX has been very difficult on every level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, I am writing to file a complaint against APPLE CARD - GS BANK for violating the law 18 USC 894. I have been a victim of harassment and unfair debt collection practices by APPLE CARD - GS BANK, and I believe that my rights under the law have been violated. 

I received a call from APPLE CARD - GS BANK demanding payment for an outstanding debt. The caller was aggressive and used threatening language, stating that if I did not pay immediately, legal action would be taken against me. This behavior is a clear violation of the Fair Debt Collection Practices Act, specifically 18 USC 894, which prohibits debt collectors from using abusive, deceptive, or unfair practices to collect debts. 

I have attempted to resolve this issue with APPLE CARD - GS BANK directly, but their representatives have been uncooperative and unwilling to work with me to find a solution. I have also requested validation of the debt in writing, as required by law, but have not received any documentation to support their claim. 

I am requesting that XXXX investigate this matter and take appropriate action against APPLE CARD - GS BANK for their unlawful debt collection practices. I also ask that any negative information related to this debt be removed from my credit report, as it has been reported inaccurately and unfairly. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a fair outcome. 

Sincerely, XXXX XXXX
Product: Debt collection

Repeated calls from Portfoliorecovery and even when I answer and tell them I am not who they are calling for, they just say thank you and hang up and then call back from a different phone number.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following accounts : 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 card or prepaid card

I initiated a balance transfer on XXXX XXXX XXXX transferring {$440.00} from my Capital One credit card to XXXX credit card. Only XXXX XXXX XXXX the balance transfer was completed by XXXX and the {$440.00} was added to that account. Today XXXX XXXX XXXX I still see the balance on my Capital One statement as well, I called customer service and they claim they don't see any transfer to XXXX. As of right now the {$46.00} balance is on two credit cards and needs to be corrected including the refund of any fees or interest. The transfer appears on XXXX 's end, the problem appears to be with Capital One
Product: Student loan

I took out loans to get a  XXXX  from   XXXX   XXXX   University - at the time, I did not know that the interest rates being charged were insanely high ( between 6 % and 8 % ). The original amount of my loans were about {$90000.00}. As a newly graduated   XXXX   XXXX  , I was only making about {$55000.00} per year and living in   XXXX   XXXX   XXXX   - I could not afford to make payments, so needed to go into forbearance. Because of capitalized interest, I now owe {$140000.00}. I am currently making payments of about {$900.00}  ( this is  a huge monthly burden ), and I am not making a dent in the balance - this is all going toward interest. I have pulled are report of the payments I have made, and over the years that I have been in repayment, I have paid close to {$250000.00}, but my balance remains the same. I feel that I will never be able to pay off these loans - at the rate I am going, the balance will remain the same for my entire life, and I am struggling to afford these payments.
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. 

I told Transunion to reinvestigate these accounts : Inquiry from XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX, Inquiry from XXXX XXXX XXXX : HARD Inquiry : XXXX  - XXXX, Date : XX/XX/XXXX, Inquiry from XXXX XXXX, Note : HARD Inquiry : XXXX  - XXXX, Date : XX/XX/XXXX, Account : XXXX XXXX XXXX XXXX  XXXX ), Account : XXXX XXXX XXXX XXXX ), Account : XXXX  XXXX ( XXXX ), Account : XXXX XXXX XXXX XXXX ), Account : XXXX XXXX  ( XXXX XXXX, Account : XXXX XXXX XXXX ( XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to several representatives for the company to remove the incorrect information. The account is reporting on credit profile as inaccurate information and hurting my score. This account is also preventing me from getting approved for items.
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 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. 


Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

there is a fraud account that i am disputing on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have failed to receive notice of investigation from the following XXXX bureaus : XXXX, XXXX, and TransUnion. The following credit report has stopped me from receiving funding and good character when applying for anything. Letters sent out on XX/XX/2022, since then i have received no response.
Product: Debt collection

SUBJECT : Complaint Against SYNCHRONY BANK, XXXXXXXX XXXX XXXX, XXXX. Alleged Attorney for Plaintiff SYNCHRONY BANK is a licensed New Jersey attorney, Bar No. XXXX, who is currently employed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; and XXXX XXXX XXXX XXXXXXXX, ( XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Ny, United States, XXXX XXXX for Violations of Debt Collection Practices. Dear Sir/Madam, I am writing to file a formal complaint against SYNCHRONY BANK, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, for violating the Fair Debt Collection Practices Act ( FDCPA ) and state laws regarding debt collection in New Jersey. The law firm is pursuing court action against me violating its terms and conditions, which mandate arbitration in the event of a dispute. 

SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX have disregarded the FDCPA by : 1. Violating its dispute resolution terms : Their terms and conditions clearly state that arbitration is the required method for resolving disputes. By pursuing court action instead, they are engaging in unfair and deceptive practices.

2. Unfair legal action : The firms approach constitutes harassment and abuse, as defined by the FDCPA since it contradicts their method of dispute resolution. 

Additionally, the law firm has breached New Jersey state laws by : 1. Lack of Required Licensure or Registration : SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX have not provided proof of their required debt-collecting licensure or registration with New Jersey state regulatory bodies.

2. Non-compliance with State Regulations : The firm has failed to adhere to state-specific debt collection regulations that protect consumers from abusive practices.

The firms actions also raise serious concerns about their compliance with court rules and procedures : 1. Abuse of the Legal System : By bypassing the arbitration process and pursuing court action, SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX XXXX are misusing the legal system and causing undue stress and financial burden. 
2. Lack of Fair Operation : Their actions demonstrate a disregard for fair legal procedures and consumer protection laws.

I have attached copies of all relevant documentation, including correspondence with SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXXXXXX XXXX, their terms and conditions, and court documents. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX, Consumer as defined by the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to complain about the closed accounts thats on my credit report those accounts are closed and still reporting negative information on my and its against the law I have rights FCRA 15 u.s.c 1681i Im telling yall those closed and negative accounts are not mines there are do to fraud and the accounts are not mines I dont care how the information matches Im telling you to please remove them close and negative accounts on my account please, please stop updating those fraudulent accounts with my information just please remove them they are not mine and if the accounts are closed how and why are they still reporting on my report thats against the law and Im not stopping until they are gone its not fair to people to be a victim of identity theft and still nobody cares to believe us we have rights please stop updating the accounts wit my personal information I want them removed off my account please Im asking again and again to remove those closed and negative accounts on my credit report they are not mines
Product: Credit card or prepaid card

Capital One credit card closed our accounts without any reasons. They are not allowing us to redeem out accumulated cash to purchase a new XXXX XXXX vehicle.
Product: Debt collection

I am disputing a debt that was reported by Credence Resource Management, as it does not belong to me and they have sent repeated text messages. The company contacted me via text regarding this debt, which I have no knowledge of or connection to. Additionally, this debt has resulted in a derogatory remark on my credit file, negatively impacting my creditworthiness. 

I request that the Consumer Financial Protection Bureau ( CFPB ) assist in addressing this issue by investigating the claim and contacting the debt collector and any other parties involved. I also request the following actions : Verification and validation of the debt, including documentation that proves I am responsible for it.

Immediate removal of the inaccurate and derogatory remark from my credit file if the debt can not be validated. 
Ceasing all further communication from the debt collector regarding this disputed debt. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems has caused Financial Deformation by reporting inaccurate information. ChexSystems has provided one report dated XX/XX/XXXX stating the Source of reported information is from XXXX XXXX XXXX Missouri XXXX. XXXX XXXX, XXXX XXXX MO XXXX and in another report dated XX/XX/XXXX has changed the Source of reported information to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX. Both reports have the same account number and Paid if full as closure Status, but the reports show two different reporting dates. I spoke with employees XXXX XXXX and XXXX XXXX to fix this issue and correct the in accurate report but they refused to. My report id is XXXX.
Product: Vehicle loan or lease

I was over charged and asked for a XXXX dollar down payment for a used vehicle that already had XXXX miles on it I have been paying for the vehicle the transmission went out on me I still had to pay for the extended warranty and now I have to pay for the repair of the transmission plus all the tickets it accumulated while it was stolen I have been asking the bank for the title or the company and till this day they wont even send me a copy of it I wanted to transfer the loan to a different bank and they said that was not possible and hung up on me and they even put the wrong name on my title but Im still paying for it and Ive just lost a lot of money with this vehicle and the company knew all this would happen when they sold it to me but were careless and still went on and let me purchase it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  has not removed themselves off my credit XXXX XXXX  has removed the original collection and now another collection company is bothering me via mail
Product: Student loan

Navient continually pushed me toward forbearance instead of income base repayment. As a result, I am paying much more interest.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding XXXX 's failure to conduct reasonable investigations of my disputes concerning inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Specifically XXXX. I disputed the following items on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA Section 611 [ 15 USC 1681i ], Experian is required to conduct reasonable investigation when consumers dispute the accuracy of information in their credit reports. However, Experian has failed to : -Properly verify the accuracy of the disputed information with original creditors ( missing information ) -Review all relevant information I provided regarding these disputes -Update of delete inaccurate information following investigation -Provide me with written results of their investigation XXXX. This failure to reasonably investigate disputes has caused me harm through : -continued reporting of inaccurate information -Negative impact on my credit score -Difficulty obtaining credit -Time and resources spent trying to correct these errors XXXX. I require Experian to remove these inaccurate accounts from my credit report as they are not complete
Product: Credit card or prepaid card

PayPal account under the email address XXXX was created without my knowledge or authorization, I did not authorize any transactions initiated from this PayPal account. Additionally, my signature was forged on a XXXX package sent for the {$5000.00} transaction referenced in this affidavit, I did not receive any XXXX package or benefit as a result of this transaction. Lastly, online banking credentials have been compromised as the address listed is XXXX XXXX XXXX XXXX XXXX MI XXXX and phone number listed is XXXX, neither of which is my accurate contact information.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint against XXXX for their mishandling of my student loan deferment request, which has resulted in significant and unwarranted damage to my credit score. 

On XX/XX/year>, I submitted a request to defer my student loans due to my enrollment in school, along with all required documentation. XXXX initially rejected my request, incorrectly stating that the official 's signature was missing, a mistake they later acknowledged because the officials signature indeed was there. XXXX, a loan specialist at XXXX assured me that the forms would be reprocessed. 

As of XX/XX/year>, my deferment request has still not been processed, and I have experienced a drastic drop in my credit score of XXXX points. My credit report shows remarks such as " Loans deferred '' and " All payments made on time, '' yet despite these positive indicators, my score has significantly decreased. Additionally, my XXXX account continues to show that I owe loan payments, which I believe is due to their failure to process my deferment. 

Further, I have noticed that XXXX has made XXXX changes to my credit report during this period. This is an excessive and unnecessary amount of changes for a simple deferment request, and it has directly contributed to the substantial and unjustified drop in my credit score. 

This situation is causing me undue financial stress and impacting my creditworthiness through no fault of my own. I am requesting the CFPB 's assistance in ensuring that Aidvantage corrects the errors on my credit report, properly processes my deferment request, and rectifies any inaccuracies in their records that are currently harming my credit score. 

Thank you for your assistance in resolving this matter. 

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

I have no knowledge of this account nor have I authorized any of this!
Product: Debt collection

I sent the attorney the three letters from him reflecting three different dates of service and the amounts. I wrote him on XX/XX/2018 asking for proof of the debt. I received another notice of debt today and no response to my letter. I believe he is misrepresenting himself. I can't imagine a hospital turning over a debt of {$7.00} to an attorney.
Product: Checking or savings account

Bank of America has allowed my personal information to open multiple accounts with no constant from me. The first issue was there was an attempt for a credit card to be opened and was denied due to my credit score with in the same time a debit account was opened and money was funded into the account with fraudulent money that was flagged in there system. I filed a police report at my local PD then received documentation that the account was not mine and was fraudulent account. Then on XX/XX/2023 a document was sent to me stating another account was open and I have not opened any account with Bank of America or any affiliated companies
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
2.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and noticed an account named enhanced recovery co l that is unknown and is connected to a fraudulent item on my credit report XXXX