23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended XXXX College from XX/XX/XXXX to XX/XX/XXXX. Student loans were processed with XXXX XXXX XXXX who I arranged monthly installments. I am in good standing with this company however, in XX/XX/XXXX I received a message on my credit report of two derogatory marks. I discovered XXXX turned student loans over to a collection agency, XXXX XXXX XXXX. I was never informed in writing or verbally that my account would be placed into collections. I have contacted both companies several time with no prevail. As of XX/XX/XXXX XXXX has stopped sending statements. I am continuing monthy payments to date. I have also, filed disputes with XXXX, XXXX, and the XXXX XXXX XXXX. After researching XXXX XXXX XXXX, my discovery shows many complaints of unethical business practice and illegal collection practices. I have also attempted legal action but have not been successful in finding representation. I can provide documentation in my favor such as proof of payments, notes from conversations with all parties involved, my last statement sent from XXXX, proof of complaints on the XXXX XXXX XXXX site and XXXX investigation report which found in my favor. I am seeking help in resolving this issue. Please advise if your agency can be of assistance to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent XXXX the police report the information that was not mine on a dispute they are not trying to help in anyway even tho it was their security breach that cause all these damages ... now my XXXX XXXX   is missed up with my experian cra violation must remove inaccurate information they have cause my family thousand in dollars in time trying to fix this issue missing work and missing opportunity from a job b/c of my credit situation with inaccurate information ...
Product: Checking or savings account

I got alert today from my complete id fraud protection alert email saying I open the bank account in the chase so I went to the chase bank to confirm they told me someone opens an online account on XX/XX/1920 chacking and saving they told me someone hack my old information from chase inactive account I called three credit bureau and inform them already and I am reporting to FTC I don't know what ells to do need help please thank you
Product: Student loan

Fedloan advised me in XXXX and XXXX I had to recertify my loans otherwise it would mess up my payment counts. I recertified my loan. XXXX, this was incorrect. Die to the administrative forbearance I did not need to recertify by XX/XX/2022 because I had an additional year at the lower payment. Fed loan processed my recertification XXXX and my payment went up by over {$300.00}. I am a XXXX single mom and I do not have that kind of money. Plus, Fed loan was not honest when they stated my loans had to recertify by XX/XX/2022 when in fact I had a year like everyone else. 

I want my monthly payment to go back to the previous amount of {$99.00}. I am being penalized for Fed Loan 's incorrect information.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX my date of birth is XX/XX/XXXXXXXX  and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax has my birthday as XX/XX/XXXXXXXX  I demand they have this fixed.
Product: Credit reporting or other personal consumer reports

I have reported identity fraud to all 3 credit reporting services. 
Transunion : 6 hard inquires XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am making a complaint for a few reasons. The first is that Transunion is reporting things that are not mine. I have reported to them numerous times that someone has gotten ahold of my information and they are reporting inaccurately. I have also called in multiple times to all three bureaus to let them know that they are all reporting different information. 

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

It is my understanding per 15 usc 1681 it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I am writing to urgently seek the Consumer Financial Protection Bureau 's intervention concerning severe discrepancies in my credit report, which have gravely impacted my financial well-being and threaten the stability of my family. 

Background : I have identified inaccurate and potentially fraudulent reporting by certain creditors in collaboration with credit bureaus XXXX and Equifax. Despite presenting substantial evidence of these discrepancies, the negative accounts persist on my credit report, obstructing my ability to secure a home loan at a pivotal rate. 

Please see the attached supporting documents for all details relating to matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, these entries were fraudulently created without my knowledge or consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that these items be immediately removed from my credit report. 
Fraudulent Accounts 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I APPLIED FOR THE CO-VID 19 SMALL BUSINESS RELIEF FUNDING AND WAS DENIED DUE TO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I THEN THOROUGHLY REVIEWED MY CREDIT REPORT AND FOUND FIVE CREDIT CARD ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH ADDRESSES I HAVE NEVER LIVED AT. I HAVE NEVER OPENED ANY OF THESE ACCOUNTS OR EVER AUTHORIZED ANYONE ELSE TO OPEN THEM IN MY NAME. I HAVE NOT BENEFITTED OR RECEIVED ANY MONIES IN GOOD FAITH. I AM NOT LIABLE FOR THESE ACCOUNTS AND NEED THEM REMOVED PROMPTLY AS IT THEY ARE NOW CAUSING ME FINANCIAL HARDSHIP. PLEASE REMOVE THESE ADDRESSES AS I HAVE NEVER BEEN ASSOCIATED WITH THEM : XXXX XXXX XXXX CA  XXXX, XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I had learned through my statements that I was being charged 1.6 % of my balance for " Card Security '' payments that I did not register for. The charges include {$0.00} on XX/XX/2023. {$8.00} on XXXX XXXX. {$4.00} on XX/XX/2023. {$26.00} on XXXX XXXX. {$22.00} on XX/XX/XXXX, XXXX and {$19.00} on XXXX XXXX. My statements do not allow me to see if I was charged before 2023. 

I contacted Synchrony Bank and was told that these payments are for an " XXXX XXXX XXXX '' feature that was added to my account through an automatic server. I asked them to rectify and reimburse the money taken from my account without my knowledge and was told I had to contact the security company directly to attempt to fix these charges. 

Please understand that the issue is not the jumping through hoops and extra inconveniencing phone calls that need to be made to fix this- The problem is that Synchrony Bank XXXX adding optional features to people 's accounts automatically without the contracted user being notified, in hopes they don't recognize it and can continue to be charged for X amount of time ( and yes, I check all of my online messages if I receive XXXX ).
Product: Student loan

I was called to XXXX XXXX in XXXX, by law my loans were supposed to be deferred. I did not come off XXXX XXXX until XXXX. I was in XXXX from XXXX to XXXX XXXX law I am entitled to have a six month grace period. My payments would have started in XX/XX/XXXX. 
XXXX : 1 month XXXX : 2 month XXXX : 3 month XXXX : 4 month XXXX : 5 month XXXX : 6 month My first bill should have been due XXXX XXXX. Navient is refusing to honor my 6 month grace period. They stated I used my 6 months while I was on XXXX XXXX which they cant do because my loans were already deferred due to my XXXX XXXX XXXX. Navient is unable to provide the history of my loan as well so they can tell me exactly when the 6 months were used. XXXX said due to it being with another provider they are unable to provide exact dates and times to verify. Navient has placed a delinquent payment on my credit report for XX/XX/XXXX when my account was supposed to be in the 6 month grace period.
Product: Debt collection

I hope this letter finds you well. I am writing to formally request the removal of late payments from my credit report associated with my XXXX XXXX XXXX. account ending in XXXX.
Product: Debt collection

My name is XXXX. I had a few cases open with Bonneville Colletions in XXXX. I have been paying payments to them for around XXXX months. I finally have my credit repaired to the point my bank said they would loan me the money via signature loan for the pay off amount of XXXX dollars that I had discussed with the woman working my case 's my wife and myself both had case 's with them. After me asking repeatedly " are you sure these are all of my case 's '' and her assuring me that that was all of them I signed for my loan and my bank sent a check for the XXXX dollar sum. The check was received by Bonneville Collections on XX/XX/XXXX and on the very same day I received a call from XXXX requesting a payment from me. I then notified her of the settlement and that they would have a check there in the amount of XXXX dollars. I was then informed by her that the settlement was not with " her department '' and that they did not honor the agreement or any of the case 's that she was working on. I repeatedly asked to make sure all of my case 's were accounted for and also that I would no longer owe Bonneville Collections from the date they received the check in the pay off sum of XXXX dollars, to that they answered all were accounted for and I would no longer be indebted to them. I have a fax from them as notice to the pay off amount dated XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am a victim of fraud, misrepresentation. 
I went to XXXX XXXX with an approved business car loan from my XXXX XXXXXXXX to buy a car on XX/XX/year>. The dealer took my approved car loan letter and all the business paperwork and told me to call my insurance company to insure the car. The dealer rep called XXXX gave me a blank form to put my social security number and sign it to verify my identity. The car dealer rep went into the finance office and came back few minutes and told me that it was difficult to get XXXX XXXX XXXXXXXX on the phone to transfer the fund. The car dealer rep said the finance office has find another loan to help me get the car to drive home. I didn't fill out any credit application, i did not give any job information, I did not give any financial information. The only paperwork i the dealer was for my approved car loan from XXXX XXXXXXXX XXXX. All the information the car dealer used to acquire Santander bank loan is misrepresentation and fraudulent. The dealer inflated the advertised car price, inflated my unemployed social security income, included extended warranty that I didn't want but the dealer said Santander require me to have warranty, falsify job position for me and took {$500.00} down payment from me. I contacted Santander bank and alerted them that the loan was created fraudulently and that am unemployed social security recipient. Santader staff by the name of XXXX requested for XXXX months of my bank statement to investigate my source of income and opened a fraud investigation case XXXX : XXXX. After the investigation XXXX told me that my income on the credit application was inflated to over {$50000.00} and a job position was created for me. Regardless of the fact that I am unemployed and social security recipient making less XXXX. Santander sided with the fraudulent car dealer and insisting on collecting on a bad loan that was fraudulently created. Santander rep XXXX said the bank will repossess the car if I can not afford to pay and will put any late payment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Equifax added a collection account XXXX XXXX XXXX which was improperly and falsely handle. Upon further research, this account was transferred/sold and I am no longer responsible for this account and never have been.Under 15 U.S. Code 1681b- Permissible purpose of consumer reports.

( a ) In General Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, No consent is identity theft. They have violated my rights as a comsumer and Im requesting legal action to remove this account immediately. 
In Addition they have violated the Fair Debt Collection Practices Act as well.
Product: Checking or savings account

On Monday  XXXX   XXXX  I went in to Chase Priv ate Client branch located at  XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . I asked for a private account. I was tricked into believing a ge ntleman was working for the FBI and investigating the bank and my inheritance was basically stolen from Chase Bank NA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and credit bureau haven't update information nor has provided proof or documentation in regards of late payments. They have not supplied this information and must delete the alleged late payments off my credit reports. under federal law they have 30 days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX is reporting on my credit report after they said it would be deleted. 

XXXX XXXX  # XXXX I have no knowledge of this account I never lived at several addresses that reporting, Ive disputed them the only reporting should be XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX, the only phone number XXXX, the only name is the XXXX on file that shows my mailing address XXXX XXXX XXXX they havent sent documents requested, there are several inaccuracies on the payments, date, amounts, missed payments, no info showing please have them delete ive disputed this several times
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute letter to the credit bureau in regards to items I seen on my credit report that did not look familiar and were inaccurate. Since sending my initial letter it has been over a month and I still have not received a response or anything about the status of my disputes. I also sent another letter demanding the bureau to respond prior to submitting this complaint. I know that according to the law the bureau must investigate the items I disputed and respond within 30 days of my initial dispute or the items have to be deleted immediately. It has been almost two months to date. This is effecting my credit score and I have followed all the correct procedures and I feel my disputes are being ignored and it is aggravating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX We took a loan for XXXX from XXXX  XXXX XXXX, which later was bought by XXXX XXXX XXXX XXXX XXXX  for a property located in XXXX XXXX, Florida. Property Address : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XX/XX/XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681b ( a ) ( 2 ) I have given Equifax specific written instructions via certified mail for my consumer report. As I stated in my letter, this is not a dispute, but a demand. XXXX is in violation of my rights as a federally protected consumer. 

My federally protected consumer rights have been violated pursuant to : 15 USC 1681b ( a ) ( 2 ) - States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ). States I have the right to privacy.

15 U.S. Code 1681e ( b ) Sates a consumer reporting agency shall follow reasonable procedures to assure 100 % accuracy of the information concerning the individual about whom the report relates.

1681C ( a ) ( 5 ) - States that no consumer reporting agency may make any consumer report containing any adverse information other than records of convictio
ns of crimes which antedates the report by more than seven years.

15 USC 1666 ( b ) - States a creditor may not treat a payment on a credit account under any open end consumer credit plan late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 


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 furnis 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 informatio other than records of convictions of crimes which antedates the report by more than XXXX year 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

For about 3.5 months I have been trying to get incorrect items validated or removed from my account that are reported by the 3 bureaus. I have sent multiple letters only to get that the accounts have been verified and are to remain. They are updating my credit report multiple times per week with these accounts with different dates, as if to cause me to be ruined for questioning such. This is unlawful and needs to be stopped.
Product: Credit reporting or other personal consumer reports

Tho account was not charged off I paid it In full I would like it removed off of all XXXX credit bureaus they are all reporting differently
Product: Debt collection

My husband and I get calls from XXXX office. They called my husbands employment ( he XXXX ) and when he said to stop calling him, they still called the XXXX. We have asked repeatedly for documentation of the loan and amount we supposedly owe. They do n't. They have now filed a civil lawsuit against my husband. When my husband called his office for more info, the staffer said we owed XXXX and we needed to settle for XXXX. We are in the process of getting legal representation to fight back.