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

Account # XXXX This complaint is a REBUTTAL to a response from XXXX XXXX XXXX dated XX/XX/year> regarding a dispute on the above account & also previous disputes regarding this account. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to my CONSUMER REPORT. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX  is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to allow XXXX XXXX XXXX to report incorrect information to my consumer file. This entire balance on this account was paid off on the XX/XX/2020. Recently XXXX had a collection agency attempt to collect payment from me. The collection agency, XXXX XXXX has now closed the file in their office and returned it to XXXX Because the account was paid off. XXXX XXXX did the right thing. XXXX has an obligation to ensure that only accurate information is being reported. XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. Recently in doing some research on the student loans in my name that are being serviced by XXXX XXXX XXXX. I learned that the loans are for a school by the name of XXXX XXXX XXXX. I never signed an enrollment agreement with XXXX XXXX XXXX nor did I ever sign or agree to become a former student of XXXX XXXX. This seems like fraud to me. I do not wish to be associated with XXXX XXXX  and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I do not understand why there are student loans listed under XXXX University in my name. I never agreed to this. I am requesting XXXX University XXXX to provide information stating that I agreed to be associated as a former or current student with this school. Before today I had no knowledge of any of this. I am requesting documentation with signatures that XXXX  XXXX XXXX has the right to pursue loan payment from me for the school XXXX XXXX XXXX. I do not wish to be affiliated with XXXX XXXX XXXX. I never agreed to any enrollment or loans with XXXX University. Therefore XXXX  XXXX XXXX must substantiate seeking loans associated with XXXX from me.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>. XXXX  XXXX have charged off, closed and reopened this account a total of XXXX times. This account is being reported to the credit bureau with an incorrect address and incorrect status of the account. According to code 15 usc 1681eb the credit reporting agencies have the responsibility of reporting maximum accurate information to my credit report. How are they reporting income to my credit report ; when this account is in charge off status and the IRS has considered this account canceled or forgiven debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Request Alleged Debt Dear XXXX XXXX, I, XXXX XXXX, am requesting that you cease all communication with me regarding the alleged debt, pursuant to theFair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). Under this law, you must stop contacting me except to confirm the cessation of collection efforts or to notify me of legal action. 
I also remind you of your obligations under15 U.S.C. 1692to avoid any unfair, deceptive, or abusive practices. Failure to comply with this request may result in complaints to theConsumer Financial Protection Bureau ( CFPB ) or legal action. 
As of the date of this letter : 1. I do not acknowledge the validity of the alleged debt. 
2. You are instructed to stop all communication with me immediately. ( that includes credit reporting ) The only communications I will accept moving forward are : Written confirmation that you have ceased collection efforts. 
Notification of any legal actions you intend to take. 
Please confirm receipt of this letter and compliance within15 business days to avoid arbitration. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Hey I been trying to report this but I got scam I met this old lady which her name is XXXX XXXX and she said she work at an office then she said that she needed a friend to talk too and she was an old lady and then she would pay me to talk to her do I started talk to her then she said that her account officer will be sending me the checks which her name was XXXX XXXX and she send then when I trying disputed the transaction I was too late and then they started threading me that when I receive the money I have to send to them otherwise they would find and that I didnt want that they started calling my phone everyday which the phone number they were calling me from was XXXX and the email the XXXX, I just wan na be able to open my account again please I need where to put my money at and I also have screenshots of all the conversations.
Product: Mortgage

In XX/XX/2013, I filed for a divorce. I had to do a modification on my home. I submitted a quick claim deed and a divorce decree stating my husband name is to be removed for the loan. I was approved for the modification using only my income and my information. My ex husband information was not used because he was to come off the loan. I would like for Chase to correct their error and remove his name from the loan. I have been paying the mortgage for the last 6 years on time. Chase continue to tell me they can't remove his name from the loan. They have denied me several times for an assumption. They also denied me a refinance. I'm hoping this issue can be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS ALLOWING XXXX AND AVANT TO ATTACK MY CREDIT FILE. THIS IS HARASSMENT. THESE COMPANIES ARE REPORTING 3 COLLECTION ACCOUNTS FOR THE SAME ALLEGED ACCOUNT. THAT IS ILLEGAL. EQUIFAX MUST PRODUCE 3 WET INK CONTRACTS FOR THESE ILLEGAL ACCOUNTS OR DELETE ACCORDING TO THE FAIR CREDIT REPORTING ACT 609 ( a ) ( 1 ) ( A ). I HAVE ASKED EQUIFAX TO REMOVE THIS FRAUD BEFORE BUT THIS IS JUST HARASSMENT AT THIS POINT. THEY CAN NOT PUNISH CONSUMERS FOR ATTEMPTING TO REMOVE ILLEGAL ACCOUNTS.
Product: Debt collection

In XXXX of XXXX i was contacted by XXXX XXXX XXXX XXXX. This company is reporting erroneously about two accounts i had with Credit Control after being settled and after having acknowledged and sent confirmation of said settlement. One debt was settled on XX/XX/XXXX and the other was settled XX/XX/XXXX. I received two statements that reflected that the both accounts were settled in full.
Product: Debt collection

Because I have been a victim of identity theft I placed a alert of my credit it now as of XXXX/XXXX/XXXX has a freeze on it. On XXXX/XXXX/XXXX I received notification via XXXX XXXX  XXXX of an alert. The alert showed a hard inquiry by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
They are located in XXXX, NC. I contacted someone on XXXX/XXXX/XXXX at XXXX. They have a collections debt so I asked why would my credit be pulled without permissible purposes. I have not received any letter about any debt and considering I havent applied for credit or owe any new debt my credit shouldnt be pulled. The individual asked me for my name and I refused to give her my address and social because she didnt answer why they pulled my credit. Obviously the debt was fraudulent or invalid. I explained I never gave anyone permission to pull my credit. They cant offer any explanation. I have been working closed with the credit bureaus to keep my credit safe and information only to be violated.
Product: Debt collection

Cavalry SPV Dear Cavalry, I was contacted by Cavalry via mail on XX/XX/year>. The representative said I owe XXXX to XXXX. However, I do not owe that debt. My information was stolen and I disputed that account with XXXX and major credit bureau. 

If you believe that I am still responsible for this debt, Please send me any documentation you have to proves that I owe it. Until then, Please cease all communication with me and note on your records that I dispute any responsibility for this debt. 

If you are reporting this information to a credit bureau or have already reported it, Please report that I am disputing this debt. 

Thank you
Product: Checking or savings account

My Bank of America account was closed due to fraudulent activity regarding a check I deposited. I was fully unaware that I was being scammed. On Wednesday XX/XX/2023, I received an email about a job offer. At that time, I was all over the internet searching for remote customer service jobs and the timing for this " offer '' I received at good time. The Job description was a customer service representative for a medical tech company. The job listed that I'd serve customers who were ready to order a product, also stating that usually customers would spend about {$15000.00} and that I'd be paid 20 % of each transaction. I thought that this job would benefit my family and I. The job also came with instructions for me to send my information such as name, address, and phone number. I replied to the scammer with my contact information. I'd reach out to the scammer the next day to see what the status of my application was and the scammer replied to me stating that there are many applications they are looking through and that they will send out a payment in the form of a check for my assessment. 4 days after, I received an email from the scammer and they said that a check was Issued to my home via XXXX and they also provided me a tracking number. The scammer then gave me a task and what I needed to do was to take the check that they had sent me, and deposit it into my bank account. At that point, I'd become majorly skeptical about the task, but I decided to carry on with the task because I didn't want to lose my ability at losing a great paying job. The scammer then asked me to send proof of the deposit and I followed their orders. Each day after, the scammer would ask if the check had deposited and I would update them the status of the check. I would then go on to updating the scammer until XX/XX/2023. My account was randomly closed and I was genuinely confused. I then called my banks customer service to get a better understanding of what the situation was about, and they told me that my account was closed due to fraudulent or suspicious activity. I was really confused and I asked if I'd be able to open a new account and Bank of America stated, " we will permanently revoke you ability to create a new account and we will be ending our relationship. '' I was completely unaware of being scammed. I was completely unware of the check being fake. It's not right that I got my account forcefully closing my account without giving me the chance to reverse it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure what happened to cause XXXX XXXX XXXX Bank to approve a credit card with my personal information. I've been trying to get this off my credit for almost 7 years with no success. I filed a police report years ago but this is still on my credit report. On several occasions, I've asked XXXX to provide evidence of who may have opened the account so that I can give it to the police but they have not sent me any evidence ever. No matter how many times I have asked for valid proof I was only supplied with a copy of a bill. Per the credit reporting agencies XXXX, Experian, and XXXX  the {$8900.00} debt is going to fall off in XXXX of XXXX, however it should have never been on my credit report. It appears the account was opened in XXXX of XXXX. I have never used my Nevada state ID, Social Security #, Name, DOB, and any other personal information to open an account with XXXX XXXX XXXX Bank XXXX XXXX XXXX. I have been trying to get this account off my credit for over 7 years. I filed FTC Report Number XXXX on XX/XX/XXXX but it did not resolve the issue. Per the FDCPA it is scheduled to fall off my credit report in XXXX of XXXX, however it should have never been on my credit report at all. This account appears to have been opened around the same time that I was applying for home loans and bought my house.
Product: Credit card

I had a Citi Card XXXX account the balance for which I have always paid by the due date. On XXXX XXXX, XXXX, I received an urgent call and text message about a possible security breach on the account. I called the customer service office and was informed of XXXX charges on the account ( XXXX from the same company ) for purchases I had not made. When I confirmed that these charges were not mine, the customer service representative told me that Citi Card was closing my account. I objected arguing that this action would cause significant problems because of my automatic payment creditors. But the customer service representative would not budge. I then asked to speak to a supervisor and was transferred to XXXX. As I had told the previous customer service representative, I told XXXX I check my account every week so I could quickly inform them of any security breach. But he said the company policy required the closing of the account. And again, XXXX refused to reconsider his decision when I complained about the automatic payments. When XXXX would not change the decision, I asked for a refund of the remaining portion of my annual membership fee. XXXX explicitly told me I would receive a refund of that amount. 
Citi Card closed my account on XXXX XXXX, XXXX but never refunded my membership fee. 
I, then, engaged in a lengthy back-and-forth with the Customer Service Department at Citi Cards. At first, the representatives simply ignored my complaint. Then I received a response that my request was untimely because refunds were only possible within 30 days from the mailing of the statement with that charge. ( I was charged {$95.00} on XXXX XXXX, XXXX ). When I reiterated that Citi Card 's supervisor XXXX had told me the unused portion of the fee would be reimbursed, I received a message apologizing for the " incorrect information you received. '' Then, when I asked if Citi Cards was acknowledging that XXXX had made a misrepresentation, I received a message from XXXX, a senior account specialist, who asserted that " Our records do not show that you were advised that the membership fee would be credited. ''
Product: Mortgage

I got divorced in XX/XX/XXXX i got a mod pd XXXX payments XX/XX/XXXX i had a bad motorcycle accident then they took it back i fault with them for 4 years then they told me my name was not on the morg. they have been reporting on my credit for 5 years and have ruined my credit, to the point that I am unable to get a mortgage. My credit was ok until this started. I have even tried to get a mortgage through them, but they told me they were unable to give me a mortgage due to my credit, that they ruined. Now I must go to court XXXX XXXX for a status conference, and this is the XXXX. They said that they sold my house and I never got any paperwork of the sale or date of sale. I do not want to loose my home. They have done so many illegal things. I have had to hire a company to get my credit straight and get them off of my credit report. I have so much more to say and do not know where to begin. I have not even had my day in court to tell the judge what all has happened while trying to save my house. Can you please help me? the morg. is still in my xwifes name
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian Information Solutions for egregious violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance standards, and the Consumer Financial Protection Act ( CFPA ). Their negligent and deliberate actions have caused severe harm to my financial well-being, including the denial of employment opportunities.

Since 2020, Experian has demonstrated a pattern of noncompliance and willful disregard for my rights, including : Violations by Experian : Failure to Conduct Reasonable Reinvestigations ( 611 ( a ) ( 1 ) ( A ) ) : Experian consistently marked disputed items as " verified '' without conducting thorough investigations or providing evidence to substantiate their findings.

Refusal to Investigate Disputes ( 611 ( a ) ( 2 ) ) : Experian falsely claimed that my dispute letters did not appear to come from me, thereby obstructing my ability to exercise my legal rights under the FCRA.

Deliberate Reporting of Re-Aged Accounts ( 623 ( a ) ( 5 ) ) : Experian re-aged derogatory accounts to extend their reporting period beyond the legally allowed timeframe, perpetuating inaccurate and harmful information. 

Negligent Adherence to Metro 2 Compliance Standards : Experian failed to ensure proper reporting, including errors in compliance condition codes, pay status, and other critical data fields.

Harm Caused by Experians Actions : Experians inaccurate and derogatory reporting has directly caused me to be denied multiple employment opportunities, negatively impacting my career and financial stability.

Their refusal to investigate disputes and report accurately has delayed my ability to correct my credit file, causing ongoing stress and financial hardship.

Supporting Evidence : I have attached the following documents to substantiate my claims : 1.Copies of dispute letters sent to Experian, along with their inadequate responses. 
2.Credit reports showing Experians false verified status on disputed items.

3.Employment denial letters explicitly citing credit report issues. 

*Reference to the CFPBs XX/XX/XXXX, lawsuit against Experian XXXX which highlights similar violations and systemic failures.
Product: Payday loan, title loan, or personal loan

Discover Personal loans has me listed as being in default of a personal loan that was opened fraudulently and I did not apply for. 

It is a case of Identity Theft and I have never even lived at the address I'm which I supposedly applied. 

I would like Discover to provide me with ANY application for this loan in MY XXXX with a verified bank account in my name that could be linked to me.
Product: Checking or savings account

After more than 20 years of being a customer, USAA has unilaterally closed my ( and my family 's ) accounts. Per their letter, they suspect fraud of some sort on the accounts. They have closed the accounts. My issue is with the 60 day time frame for them to initiate returning funds. That is a ridiculous time frame after closing an account with no notice. I demand access to the funds that they are holding.
Product: Vehicle loan or lease

I had a loan with Toyota Financial which I completely paid couple months back but it still shows on my credit report. This is effecting my credit because it show I owe the money.
Product: Student loan

This is the 2nd time I have had Navient do this to me, I did n't bother calling them this time because I basically get told last time " it is what it is, deal with it ''. They have notified me 2 months ago that they were taking over my XXXX student loan bill ( ONE bill around $ 8k with a 5.8 % interest on it. I have just looked at my Navient account this morning ( XX/XX/2017 ) and can see that they have finally shifted my student loan from XXXX to Navient and they have conveniently turned ( again ) my ONE loan at 5.8 % interest into FIVE DIFFERENT loans with 6.5 % interest on each! How is this legal? I got notification that they were going to take over my one loan at 5.8 % interest, never did they tell me they were going to change that one loan to 5 and tack on a 6.5 % interest to each!
As I said, this is the 2nd time they have done this to me. I finally was just able to get it almost down to 2 loans ( there is around {$500.00} left on one that I was hoping to pay off this month ) from 6 different loans with them from the last time they did this. I 'm really distraught at this point and crying for help.
I also now live in the XXXX which makes it terribly difficult ( and even more costly ) to send money as I have to send the money to my parents, pay them an additional {$20.00} to take that money ( their bank charges them ) and pray that nothing happens to them because XXXX forbid they have an accident, pass away, etc. leaving me unable to pay Navient who insist constantly making it more difficult for me to pay my loans.
I am near tears here, is there anyway you guys can help? I am not at all trying to get out of paying my student loans, I know I went to school and am happy to pay the loan back at a reasonable rate, but I feel like I am constantly being kicked down by these guys and their back-handed methods of trying to find more ways to get money out of me.
I really appreciate any help or advice that can be given. Thank you for taking the time to consider my post above and please accept my sincerest apologies for the long winded-rant. I just find this really distressing. I look forward to any sort of advice/help that can be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reinvestigation, this XXXX XXXX # XXXX **** was opened XX/XX/XXXX, and Closed on XX/XX/XXXX Pay Status Charged Off. As of XXXX Report dated XX/XX/XXXX. As of XX/XX/XXXX, This account has been reopened as an active account on my credit report with late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX Inquiry : XX/XX/XXXX and XX/XX/XXXX - XXXX XXXX XXXX/XXXX  ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX  ( XXXX ) XXXX 2. XXXX Inquiry :XX/XX/XXXX - XXXX ( XXXX   ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX 3. XXXX XXXX XXXX Inquiry : XX/XX/XXXX - XXXX ( XXXX  ) XXXX See an error?

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX