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

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute Letter for Mismanagement of Investigation To Whom It May Concern, I am writing to formally dispute the investigation conducted by Experian regarding my account XXXX XXXX  XXXX account number XXXXXXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number XXXX, and unauthorized inquiries XXXX XXXX XXXX XXXX  I believe this investigation was mishandled and that Experian did not fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : On XXXX XXXX, I submitted a dispute concerning [ briefly describe the disputed information ]. 
I provided supporting documentation, including [ list the documents submitted ]. 
The outcome of the investigation was unsatisfactory, and I believe Experian failed to : 1. Accurately convey my dispute to the furnisher.

2. Conduct a reasonable reinvestigation.

3. Notify me of clear and actionable results.

This aligns with the allegations noted in the recent CFPB complaint against Experian ( XXXX XXXX. XXXX ), which highlight systemic failures in Experians investigation processes, such as mischaracterizing disputes, over-relying on furnishers, and providing unclear outcome notices.

Requested Action : 1. Reinvestigate the matter with proper attention to the documentation and details provided.

2. Forward all relevant information to the furnisher, ensuring a thorough review.

3. Provide me with a clear, written explanation of the results and any actions taken.

Failure to comply with FCRA requirements adversely impacts my financial well-being, and I may pursue further action if this issue is not resolved promptly.

Please confirm receipt of this letter and update me on the status of my dispute within the timelines mandated by the FCRA. You can reach me at ( XXXX ) XXXX or XXXX Thank you for your immediate attention to this matter. 

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

The Family Educational Rights and Privacy Act of 1974 ( FERPA ), otherwise known as the Buckley Amendment, was passed to protect the privacy of students ' educational records. It gives parents and students who are 18 years and older the right to access their records. It also requires that parents or eligible students give permission before their information is released to a third party, except in special circumstances like transferring schools or a health emergency. My current student loan servicer XXXX XXXX and the Department of Education, is in violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) because they have been reporting my loan information to third parties. This information is to be removed from my consumer credit reports effective immediately.
Product: Credit reporting or other personal consumer reports

I have not made these accounts and strongly suspect they are scams.
Product: Student loan

On XX/XX/18 My alleged past due amount was {$6500.00} on that date I made a payment of my entire annual bonus and then some for a total of {$700.00} bringing the balance down to {$5800.00}. This was reflected on their website. The very next day on XX/XX/18 ( Saturday ) I checked the site because everytime I make a substantial payment they jack up the balance, just as they did a month ago when I gave them most of my tax return. Surprise, Surprise,  they are up to their usual fraud. the balance " magically '' jumped back up {$220.00} in one day! Keep in mind this is on top of my usual $ XXXX/mo payment. I can not find anything on their site about fees or anything that would justify this. Given their long history of criminal abuse of lenders I am utterly disgusted. They have been robbing me of my life 's labor for years and it seems nothing is changing, no one is helping me! I will spend all my free waking time tomorrow on top of the 10 hour day I have to work getting shuffled around on their automated phone system, which has been so honest and helpful in the past ( extreme sarcasm ) PLEASE HELP ME FROM THESE CRIMINALS!!! I AM BEGGING YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several medical bills from XXXX XXXX XXXX get sent to a collections company called Cornerstone Credit Services in XXXX, Alaska. I was unaware of these collections and as soon as I found out I paid the collection agency with the understanding that they would be deleted and stop reporting negatively. All accounts were paid in full on XX/XX/XXXX. As of XX/XX/XXXX they are still reporting negatively with all three credit bureaus. The account informations is as follows : XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$260.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$300.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$60.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$53.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$53.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$330.00} There is also a collection account sent to Cornerstone credit services from XXXX XXXX XXXX. That was never my account and disputed this also. I paid cornerstone the collection amount to ensure that it would be removed from negatively reporting from my credit report. This too has not been done. Information is as follows : XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$760.00} It is my desire to have these items removed/deleted as promised by cornerstone when I made payments on these collections accounts.
Product: Checking or savings account

I received a credit alert on Sat XXXX that an account application was submitted with my information with Navy FCU. 
I did not submit that application. I called them that day and was told the application was flagged and stopped. 
A month later on Mon XXXX I received an account statement saying that a checking and a savings account were opened in my name at a minimum. 
I called Navy FCU a XXXX time and was only told they were investigating. But accounts are still open in my name and they will not close them.
Product: Debt collection

On XX/XX/2019, I received a phone call from Penn Credit Corp claiming I owed a debt of {$150.00} to XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, I sent a debt verification letter to Penn Credit corp, as I am entitled to under FDCPA. I continued to receive phone calls from them, and I repeatedly requested a verification of the debt that included a bill from XXXX, at the one they sent me did not not XXXX on it, nor did it look like an official bill. It looked like a bunch of number put in an excel spreadsheet. I also requested information regarding 1 ) Agreement with the creditor that authorizes Penn Credit to collect on this alleged debt. 2 ) The agreement bearing my signature stating that I have agreed to assume the debt. 3 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. 4 ) Proof that the Statute of Limitations has not expired. 5 ) Complete payment history on this account along with an accounting of all additional charges being assessed 6 ) Information showing me that Penn Credit corp is licensed to collect in my state ; and 7 ) license numbers of the Registered Agents I was in contact with. Penn Credit corp sent me the same papers that look like an excel spreadsheet, which do not contain both my name and the name of XXXX on the same page. They did not provide me with the information i requested, nor was it enough to verify anything. Penn Credit corp continued to call me, and I brought up this concern with them. I explained that it did not seem like a legitimate debt, they then threatened to " happily '' report this debt so it " hits my credit score ''. The document attached is the same letter I sent with personal information removed.
Product: Checking or savings account

On XX/XX/XXXX, I reached out to CASHAPP about receiving a cash card with the name XXXX XXXX on it. I was married in XX/XX/XXXX and on that day my name was formally changed to XXXX XXXX. So theres no reason why I should have received anything from cashapp ( because I had an ACTIVE account with them ) in any name but XXXX XXXX. Upon investigating, cashapp sends me an email stating they closed the XXXX XXXX account and everything was fine. On XX/XX/XXXX, I received a text from cashapp stating my account was closed due to gambling and terms and conditions violations. I reached to customer service and they said they couldnt tell me anything. I called their customer service number and was told I could appeal. The appeal person sends me an email stating my account will remain closed and thats all they could say. I repeatedly told them that I DO NOT GAMBLE, that Im a stage XXXX XXXX patient that doesnt work and I use my account to pay my bills/co-payments for XXXX. They still closed the account. Fast forward to today, XX/XX/XXXX, I received a XXXX firm in the mail for XXXX XXXX XXXX I opened it because I didnt understand why I was receiving any tax forms for XXXX XXXX XXXX XXXX XXXX has not worked since XXXX, as XXXX XXXX XXXX NO LONGER EXISTS. When I opened the letter I saw that SOMEONE opened a cashapp account using my former name, social security number, AND cashapp allowed them to collect money. Money that theyre asking me to pay taxes for. My identity has clearly been stolen and when I reached out AGAIN theres nothing they can tell me. They cant tell me how they allowed this to happen. They cant tell me how they allowed cash transactions to go through and not once asking me if I did it or not. They allowed {$XXXX} in transactions under my old name. If they properly investigated they would see this isnt me and I need help finding out who did this.
Product: Debt collection

In XXXX, XXXX, XXXX XXXX, manager at XXXX XXXX XXXX XXXX, contacted me repeatedly to collect my student loan debt from their said client, NAVIENT Solutions, who held my student loan. XXXX proposed a {$9000.00} settlement from me on my loan of {$38.00}, XXXX balance, at that time ( it has since accrued over {$2000.00} in interest with my current loan holder, XXXX ). XXXX and I went back and forth several times on the phone negotiating terms. We discussed my financial and personal stressors affecting my repayment at that time ( to include me being between jobs from the XXXX XXXX XXXX ending in XXXX, my father unexpectedly passing away in XXXX, joining the XXXX that XXXX, and having moved unexpectedly three times already that year with more major moves to come ). She offered a lower settlement amount so I could begin paying on it before I left for basic training that XXXX where I would be non-reachable for three consecutive months. She agreed to a {$2000.00} total amount paid in 6 installments to XXXX XXXX XXXX to settle my entire student loan held by NAVIENT Solutions. 

I agreed and paid the initial payment of {$330.00} on XX/XX/XXXX with the remaining installments of {$330.00} due on the XXXX of each month thereafter. XXXX XXXX emailed me a document with the Settlement Agreement of these terms. I paid the entire settlement amount in full and in advance. However, I never received confirmation. I reached out several times to confirm but was unable to reach anyone. Other major life changes and additional losses took precedence and I moved forward. 

Early XXXX, I was contacted by XXXX who had apparently taken over my NAVIENT loan. The new amount ( with interest accrued from the past two years I assumed it was settled ) is now over {$40000.00} and due for payments in XX/XX/XXXX. I informed them of the previous settlement with XXXX XXXX. They had me upload those documents, but ultimately said settlements are not an option and XXXX XXXX was a fraudulent company. 

At that point, I contacted XXXX XXXX to get proof of my final payment on the settlement agreement with XXXX XXXX from XXXX. She was no longer with the company. The new manager, XXXX XXXX, told me my account was locked but he would work on opening it back up to email me proof of payment on the loan agreement. 

On XX/XX/XXXX, XXXX XXXX emailed me the document stating they were happy to let me know they received and posted my final payment from XXXX to my student loan account held by NAVIENT Solutions. It said once the payment was cleared, they would report to their client that my account was settled in full. His contact number was included ( XXXX ). 

The following week, I tried to arrange a three-way call between XXXX XXXX XXXX me, and XXXX. I called XXXX XXXX about a plan to coordinate this with them in the days to come. They have not answered multiple phone calls from me since that attempt to schedule the 3-way call. Their phone robot states it does not recognize my number and puts me on an endless hold. 

I have attached document of agreement, payment confirmation, and loan information.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information
must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Debt collection

Accurate Debt Collectors stated my social security number to me and asked for my medical insurance membership number.
Product: Credit reporting or other personal consumer reports

The company " IQ DATA INT'L INC '' as shown on my credit report this debt/ collection is not mine I have already disputed this and was not looking into by XXXX this collection appeared out of no where and has since increased it balance within the last 30 days from XXXX to now XXXX this is predatory and dispute was resolved in 1 days not even taking the time to investigate why and who they are abusing my credit report and no one has started to investigate this matter beyond 1 day I have attached 3 documents 3 different amounts days apart from each other.

Section 623 ( a ) ( 1 ) ( B ) .If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Product: Credit card or prepaid card

On XX/XX/ I noticed an unauthorized credit check performed by Bank of America ( BOA ) reported on my personal XXXX credit report. I contacted BOA to report the fraud and request a copy of the application that was submitted on my behalf. I was told information regarding the fraud would be provided to me in the mail within 7 to 10 business days and provided with a fraud Case ID # XXXX. On XX/XX/ I followed up with BOA after having received no information in the mail. I was told by representative XXXX no information had been sent, however she agreed to find someone to expedite my request for mailing the information. After placing my on hold, she transferred me to representative XXXX who had no knowledge of the situation nor could not use my Case ID to locate any interaction with previous representatives. XXXX took my information again, stated she had corrected everything and properly notated the situation in the system ( she provided me with a reference number, XXXX ), then transferred me to representative XXXX to attempt to locate my Case ID information. XXXX could not tell me what actual information BOA would be mailing me, he was only vaguely aware that an affidavit or other document might be involved. Both representatives confirmed I would receive information in the mail from BOA regarding the fraud and my request for a copy of the application. On XX/XX/ I contacted BOA again and spoke with BOA representative XXXX, still having not received any information, and was told no information had been mailed but that the previous representatives had incorrectly entered my city in the system. I was told BOA would still not be mailing anything for the next 7 to 10 business days. After requesting transfer to a supervisor, floor supervisor XXXX, who stated the employee responsible for sending copies of applications was " out of the office '' and there was no way to expedite my request for information. XXXX  refused to provide her last name after I asked. I advised XXXX that I already waited over 30 days to receive any information, she simply apologized and stated the process was long. When I asked her what else I needed to do to ensure I would receive information from BOA she simply stated steps which " should '' work but refused to commit to any resolution of the situation. I advised XXXX I would rather resolve the issue with BOA directly than file a regulatory complaint, however she simply repeated her previous responses and was not interested in doing anything more to help me, even when made aware of BOAs previous errors. I have currently been waiting over 30 days to receive information on a credit card application submitted fraudulently on my behalf to BOA and have not received the information promised by BOA to assist me in identifying who committed the fraud, what documents need to be submitted to collect a copy of the application, or a copy of the application itself.
Product: Debt collection

I had a prepaid phone in   XXXX  . Through  XXXX   XXXX   XXXX . It was {$60.00}.      XXXX  claimed when I discontinued the service that I still owed them {$60.00}. Which under a prepaid plan is impossible because it is pay in advanc e. Service ca n't be p rovided without payment.     I make a significant annual salary, but I refused to pay this because I felt it was a large company abusing their power and that they 'd normally succeed because no one would know how to defend themselves vs a big company.     They put me in collections and just this year almost 4 years after the issue. my credit rating was hit for  XXXX  points.     I spent the last 8 years of my life never missing a payment from any creditor and paid several  XXXX   XXXX  in bills only to get an  XXXX  credit rating ruined by  XXXX  over a {$60.00} bill.     I think that is ridiculous that companies can have this level of control in a dispute.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing regarding the above-referenced account. XXXX XXXXXXXX XXXX XXXX Please note that I am not disputing this account. However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account. The Date of Last Payment made on this account. The Date of Charge-Off for this account. I would appreciate it if you could provide this information in writing. If additional documentation or authorization is required to process my request, please let me know at your earliest convenience. Thank you for your prompt attention to this matter. I look forward to your response
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account with out 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- ( 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.