23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required XXXX window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXXXXXX this is the account XXXX  : XXXX
Product: Credit card

I purchased {$62.00} worth of merchandise for which I never received a statement. Two months later, I got an email saying that my payment was late. I immediately called and made a payment of {$37.00}. The rep said that it went thru and I got an email confirming that the payment was being processed. And that the late fee of {$30.00} would be reversed. 
XXXX comes, I go on line and scheduled a payment of {$37.00} that would cover the balance and interest. 
Little I knew that both of my payments were rejected. I contacted my bank trying to figure it out since Comenity Bank kept saying that they didn't know why. My bank confirmed that the problem was on their side. Nevertheless, I made a payment of {$80.00} and they took the payment to cover the late fees, so the initial amount due remained open. From then on, I have been charged over {$300.00} in late fees. They charge late bee on top of late fee. I have called them many times but they don't care. In fact, I just talked to them and they threaten me with more late fees until I pay what they want. They used the {$80.00} payment to cover late fees so they can keep charging me. 
Right now they have charged me over {$300.00} only in late fees. And they will continue.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Experians failure to conduct a proper investigation into accounts I disputed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information. However, Experian failed to adequately investigate my dispute, violating my rights under the FCRA.

Additionally, 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) mandates that Experian notify the data furnisher of the dispute within five business days, ensuring they conduct their own review. If Experian verified the disputed accounts without a thorough examination, they are in further violation of 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy of consumer information.

I request immediate action to ensure a proper investigation, deletion of any unverifiable accounts, and compliance with the FCRA. Please advise on next steps regarding this matter. 
XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Bureaus : XXXX, Experian XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Bureaus : XXXX, Experian, XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Bureaus : XXXX, Experian XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} Bureaus : XXXX, Experian, XXXX
Product: Student loan

I called navient to complain why my interest rates are not going down, they jist quickly went up and up went market goes up but when market goes down they stay the same. I asked what kind of fraud is that. They said they will send me a letter since clearly they can not explain by phone but now my loans are been transferred to XXXX so by the time i get the letter is too late. Account # XXXX XXXX and XXXX
Product: Checking or savings account

I was in XXXX and had money taken out of my bank account are there were transactions that were not mine and when I got out of XXXX, I reported this information to Wells Fargo I provided, and then proof of XXXX and provided them all the information and all the transactions that were not mine and advise them that I did notdo these transactions they denied my claim I did an appeal and was also denied on the pill. They said they did not believe that I did not give permission to someone to do these transactions and therefore it was {$7000.00} or somewhere close.
Product: Credit reporting, credit repair services, or other personal consumer reports

have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting or other personal consumer reports

I had taken my XXXX to conn 's to purchase a refrigerator. They ran her credit and approved XXXX. While she was looking at merchandise the same sales rep also ran my credit for a kitchen table I was looking at. I decided to not purchase the table and my XXXX XXXX selected the fridge she wanted. The sales rep proceeded to process the credit but failed to switch the info back to her name and social. They left her birthdate on the account. Upon realizing this error we returned to the store and spoke with a member of their management team who pulled over the sales rep who verified he made an error in the paperwork. They instructed us to reach out to their credit department to get it corrected. When we called their credit office they stated we would need to make a payment and return to the store to correct the mistake. We returned to the store and called the credit office with the manager and again they said it was being corrected and would reflect on the next month 's invoice. Next invoice cycle came around and we were still unable to log into the online account so we returned to the store where they again called the credit office to submit a correction and took the next payment. This process repeated 3 more times and my XXXX XXXXr lost her job and was now unable to make the payments. We again reached out to correct the account but they still have not done so. They are now calling me 3 or more times daily to collect and I have informed them of the dispute but they say it is still my responsibility tobmake the payments because they now claim to have payment made using my card on file but I have never made a payment to this account. Every payment made was by my XXXX XXXX in person while trying to get my name off of her account.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding an unresolved credit reporting issue with Experian. I initially sent a dispute letter requesting physical verification of an original signed consumer contract with my signature on it for XXXX XXXX XXXX XXXX on XX/XX/XXXX, but I did not receive the requested documentation. Additionally, the account was not removed from my credit report as a result of this dispute. As a follow-up, I sent a second dispute letter on XX/XX/XXXX, including my dispute letter, social, Drivers License, utility bill, and notary stamp.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the alleged collection account associated with my credit report, referenced as XXXX XXXX, XXXX. This dispute is made under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692 ( g ), which affords me the right to request validation of the alleged debt.

Under the FDCPA, I demand that compliance officer, XXXX, XXXX investigate this matter providing a full and complete validation of the debt. Specifically, I request the following : Proof that the alleged debt exists and that I am legally obligated to pay it. 
A copy of the signed agreement or contract that created this debt. 
A detailed accounting of the amount owed, including all charges and payments made. 
Documentation demonstrating that XXXX XXXX, XXXX XXXX XXXX has the legal authority to collect this debt. 

Additionally, I am invoking my rights under 15 U.S. Code 1692c ( c ) to demand that XXXX, XXXX, XXXX XXXX cease and desist all communication with me regarding this matter, except for the purposes explicitly permitted under the FDCPA, such as providing the requested validation or confirming the closure of this account. 

Again, I requested that this matter be brought to the attention only of the compliance officer, XXXX, XXXX, for thorough investigation to ensure that your practices comply with federal regulations. 

XXXX, XXXX and XXXX XXXX are required by law to respond to this request in writing within 30 days of the date you receive this letter. If I do not receive a satisfactory response within this timeframe, I will assume that this debt is not valid, and I will take appropriate steps to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX account XXXX does not belong to me.
Product: Student loan

On XXXX XXXX, 2016, I called the holder of my federal student loan, Great Lakes, about the possibility of a short term forbearance. I 'm relocating to XXXX in two months and wanted to forbear for three months on my payments to increase my monthly available funds for moving expenses. When I called Great Lakes, I was informed that I was not eligible for a discretionary forbearance. When I asked if there was anything that Great Lakes could do to help me for a short term basis -- my other loan provider was willing to grant me a deferment for relocation expenses and I assumed that Great Lakes would be accommodating since they say to call them for repayment assistance -- I was informed that I could either pay my student loan with a credit card or not pay on my loans. I was told that nonpayment was an option because default would not trigger until 365 days and that there would little, if any, consequences arising therefrom. As a XXXX, I know that this statement was a misrepresentation on many fronts. First, Great Lakes will begin assessing fees on my account the minute I stop paying my account. Second, nonpayment after thirty days will be reported to the credit bureaus, which will adversely affect my credit score and my credit history. Third, nonpayment will make the entire unpaid balance of my loan and any interest due immediately and payable immediately. And fourth, my loan account could be assigned to a collection agency, which could result in wage/Social Security garnishment and further adverse effects to my credit score. The fact that a Great Lakes representative would recognize nonpayment as a legitimate " payment option '' when a customer is faced with a repayment issue is appalling. I hate to think that this is the advice that Great Lakes is giving to borrowers who need temporary assistance with repaying their student loans. Such conduct, to me, appears to be a predatory lending practice that inures in Great Lakes ' favor and not the borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on several occasions made known to EQUIFAX that they are still reporting fraudulent information that they told me falsely through this CFPB portal it was removed. Upon me checking my report via myequifax.com to my surprise the account was and still is reporting! I have called EQUIFAX as well as disputed this fraudulent account, provided two FTC reports and provided other documents and disputes regarding this account and was told by EQUIFAX that the account was removed. At this point I have no choice but to seek legal counsel after this final attempt to rectify what I know to be unlawful use of my credit report. I ask the CFPB to look into this account as well as past responses from EQUIFAX that falsely state they have removed the fraudulent account that continues to report on my credit profile. The dates of these responses are in the CFPB 's portal under my disputes made to CFPB on XX/XX/2022 and XX/XX/2022. I have also attached previous disputes and there dates outside of CFPB sent to EQUIFAX alerting them of all the fraudulent information they were housing do to someone illegally using my information to open accounts etc. I also have attached with those disputes an FTC report with my identifying information. I ask that this issue be looked into as I have been denied housing as a result of this fraudulent inaccuracies being reported by EQUIFAX effecting me emotionally. Please Help. Lastly I have attached screen shots of my current credit report and how the item that was said to be deleted by EQUIFAX is still in fact reporting. This is unlawfully misleading and not being honest. I have included my license as Identification and as proof of my address as I do not have any bills at the moment to do so. And have attached my social for additional proof.
Product: Consumer Loan

A local auto dealership sold my daughter a truck this last spring that she can not afford. The basis of my complaint is the dealership stated my daughters annual income was more than twice of what her actual income is. The lender has taken the position this loan is a no income verification loan so the responsibility falls solely on the shoulders of my daughter. In addition, the lender stated since my daughter signed the credit application that listed her income with the inflated amount she is responsible not the dealership. My daughter trusted the closing dealership finance manager and signed this document blank. My daughter provided income detail in the form of previous two months bank statements revealing her true income. 
The finance manager justified the monthly payment amount is affordable by saying " if the lender approved it you can afford it ''. 
The lender is XXXX and they have chosen to assign total responsibility to my daughter and not the dealrship. 
Please help!!
Product: Money transfer, virtual currency, or money service

PayPal has limited my account. I am allowed to add money to the balance, add bank accounts and cards, but not make payments or withdrawals of any kind. They asked me to provide several additional pieces of information, which I provided ( bank statements, proof of transactions, etc ). After I provided them with certain information, a few days went by and then they asked me for other information. They have been reviewing this information since mid week of last week and said it would be lifted within five business days. I have inquired several time since then about the status both through customer service on their page, through their XXXX page and on the phone. Every time I was told it was still in review and would be within 5 business days. My account was put in limited status for seemingly no reason whatsoever. An internet search makes it apparent that I'm not the only one that they have randomly selected for this account limitation. Several posters reported that they were never able to get their accounts back and that their balances were just never accessible to them. That is what concerns me.
Product: Vehicle loan or lease

Bank of the West unlawful discrimination of the XXXX XXXX of the U.S.A. ( ( 8 USC 1101 ( a ) ( 21 ) & Public Law 94-241 Section 302 ) / Internationally Protected Person ( 18 U.S. Code 112 ).

The violations are 12 CFR 1002.4 ( a ) - ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction.

( https : //www.consumerfinance.gov/rules-policy/regulations/1002/4/ ), 5th Amendment - Nor be deprived of life, liberty, or property, without due process of law, and 18 U.S. Code 112 - attack upon the liberty or if likely to endanger his liberty.
Product: Student loan

I am being harassed by Windham Professionals Inc ( XXXX XXXX XXXX XXXX NH XXXX ; XXXX ). I was contacted XX/XX/XXXX at my work number about an " Obama Student Default Program '', which I have learned there is no such thing and was given false and deceived by the caller from Windham. The caller tried to force me to sign an agreement with out me being able to review or get legal advice. I asked repeatedly to send me the documentation via US Post so that I may review with my attorney and the caller agreed but the documents were never sent. I received harassing telephone calls from Windham at my work telephone several times a day even after I have told them not to call my work number. I received a threatening voice mail from a man stating that " I needed to call him back before he made a decision for me ''. 

I did review proof of the debt from Windham. The documents sent show a promissory note of {$9500.00}. They claim I owe over $ XXXX but there has been no proof provided on the differences between balances. I am disputing the the balance of the stated debt owed. 

Windham is now claiming they are going to garnish my wages by XX/XX/2016. Notice was dated XX/XX/2016 and received XX/XX/2016 I want the garnishment processed stops since the debt owed is in dispute. 

I want Windham Professionals to cease and desist all activities with my student loan.
Product: Debt collection

I saw this on XXXX XXXX and disputed it please send me a letter and in that letter you asked to put in someone else 's information so that is violating HIPPA law IT has personal information of the other party so I tried contacting them and are they tell me was that they were sorry and they wanted me to send it back to them immediately. They were giving me the runaround I called the number that was on the letter apparently that was a wrong number to the routed me to someone else I 'm supposed to that person and I he tell me he was to send it back. They were being and uncooperated I told them that I was going to call the CFPB because it was a big violation that I thought needed to be reported. On the other bill it 's not even my first name is spelled A different way and I have no reconition of the account so I want it off my credit report. And as I was looking at it it 's over seven years old. The only resemblance that we would have is the address street fees XXXX just like mine but im in XXXXand she is in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is inaccurately reporting on my credit report. It was removed from XXXX on XX/XX/2019. I reached out to XXXX  and Experian to remove the information as it is reporting inaccurately also. According to them it was verified through XXXX XXXX and Bankruptcy court. Upon receiving documentation from the XXXX   Bankruptcy court that is inaccurate and they do not verify that information.