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

I am a natural person. My legal name is XXXX XXXX XXXX XXXX XXXX. The consumer reporting agency continues to violate my rights. The consumer reporting agency continues violate 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency has caused me and my family immense hardship with there illegal reporting. Their reporting is hurting accessing MY equity in MY home because of illegal entries in my report. They claim to have done an investigation, that they did not do by the letter of the law. Who did they speak to that could speak to my character??? 

The consumer reporting agency violated:15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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. 
Account : XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 there was a background check conducted by this company. The information that was sent to my employer was incorrect. My DMV printout is dated for XX/XX/2023 which has 1 point on my record. There were backgrounds conducted by this same company in XXXX and its the same background. There was a point removed from my driving record and this coompany sent that I have 2 points on my record when the Department of Motor Vehicles already removed the point. Now I can not get employment at this time because this report was inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the same items for almost XXXX YEAR NOW! I have sent in all required documentation and filed police reports and identity theft reports but the credit bureau EXPERIAN refuses to honor any of the requests. I noticed my identity had been stolen at the beginning of XXXX. I am disputing accounts and the disputes are only taking XXXX to XXXX days to come back as XXXX! How can the disputes be properly investigated after only XXXX days of filing? Another concern of mine is the fact that Experian is not acknowledging a Federal Document. These accounts violate my privacy rights according to USC 1581 OF THE FAIR CREDIT REPORTING ACT. EXPERIAN has consistently violated my right to privacy over the past year. I have documentation showing i have sent experian correspondence about some accounts that i thought to be fraud or not mine and according to the following : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ALSO, Experian has received my complaints from the cfpb and has also declined to acknowledge that also by working in a timely process to get accounts removed from report. I also have asked the credit bureau EXPERIAN NOT to furnish data on accounts that i believe to be fraud, my privacy rights sre being violated according to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I have never gave EXPERIAN or the furnishers of these accounts PERMISSION WRITTEN NOR VERBAL OR EXPLOIT MY PERSONAL DATA. XXXX of these accounts are internet loans, meaning they were obtained online only and is hardly any way to contact customer service but thru email, so it is NO WAY EXPERIAN VERIFIED THOSE ACCOUNTS ACCURATE!! EXPERIAN can not go off of here say, they MUST go thru proper procedures when verifying debt. These accounts have random addresses, phone numbers and jobs i never had!! These debts are fraudulently being verified by experian Accounts XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One XXXX credit card. 
I have not used my credit card in well over XXXX  months. 
It does not even work. I reported this issue to them. Furthermore, there were fraudulently charges made in or around XXXX of this year for about {$30.00}. I had no idea there was any activity on the account. The credit card company issued about {$120.00} in charges related to this single charge not being paid. When I became aware of this around XX/XX/XXXX, I brought the fraud to the company 's attention. I also, to protect my credit, paid by check by phone over {$140.00} XXXX XXXX XXXX to pay off the balance while they investigated. This was to prevent the right hand not speaking to the left and a charge off occurring. This is because I have a XXXX XXXX XXXX to protect. I am in the middle of a refinance. I also have business credit cards that rely on my personal credit history. All got harmed because of Capital One being incompetent and unhelpful. 
Yesterday, I was on the phone with them for over XXXX hours reviewing XX/XX/XXXX - the money I paid -- where did it go? On XX/XX/XXXX, from XXXX XXXX, I paid online another {$47.00}. Where did this payment go? Why is the current balance on Capital One showing {$140.00}. They have violated my rights under the Fair Credit Act. The account should be XXXX balance or even negative. They need to restore the credit card to good standing. I do not want to close the account. And they need to update the credit bureaus to reflect that this was their error and they improperly reported. I have identification numbers on the employees I spoke with. XXXX '' XXXX '' XX/XX/XXXX -- he could not locate where my XXXX payments went. He transferred me to escalations. I spoke with XXXX. I spoke with XXXX. {$100.00} are bank fees. {$13.00} are interest charges. They need to remove these. My account ends with XXXX The credit card has an expiration of XX/XX/XXXX. I have been a client of their since XXXX. I have called them over 6 times since XXXX and they are not helpful. They keep saying this is en effort to collect a debt .... And then they ask me to start over again. I ask them what do the notes say? Why am I having to repeat myself.
Product: Student loan

In 2010 I had taken out a private loan from Sallie Mae for a cheap vehicle to possibly continue my education at XXXX XXXX University in XXXX WV. I was currently taking online courses in XXXX  XXXX. After Sallie Mae closed it's doors I was transferred to Navient/XXXX. I fell into default after years of struggling to repay. I had my tax refund of over {$3000.00} offset a few years ago which has effected me tremendously to this day. So now and for years previous, my credit score is the worst, I wasn't able to get any type of help through Navient aside from refinancing through XXXX, I actively have XXXX   XXXX  XXXX  and my grants are exhausted preventing any chance of going back to school. Trying to get back on track but it's been next to impossible for the past 9 years '. Non accredited school that is now closed..and a loan servicer who set me up for failure before they were shut down. Not sure if this is even the correct place to go to for help, but I need it.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Today ( XX/XX/2018 ) I was trying to purchase tickets for a concert on XXXX and I got scammed twice. Both scammers requested I sent money through XXXX.

1st payment to 1st scammer was {$100.00} ( for one ticket ). I have a phone number and email address.

2nd payment to 2nd scammer was {$300.00} ( for two tickets ). I have a phone number, email address, and Driver 's License.

Wells Fargo uses XXXX   so I thought I was protected and this was a trusted platform. Unfortunately I didn't receive any tickets from both scammers and Wells Fargo refused to help but recommended that I file a police report, which I did and I have the case number. I also emailed XXXX support but I don't expect to get any help from them based on what I was reading. I also filed a complaint with XXXX.

Can I be advised on what consumer protection I have in regards to this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

2 accounts XXXX XXXX, which in fact is not my account, i asked for original contract with my signature which they can not provide because they sold the debt, so XXXX no longer owns it, and it is closed with the company they sold it to. I contacted that company and they told me the account is closed and they are not reporting what so ever. I have also disputed for validation, never got that, I disputed it for being in charge off every month which is grounds for deletion itself, but instead they reported charge off once and still sent no validation. Multiple violations in accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under XXXX XXXX code XXXX ( b ) and these accounts are in violation.
Product: Student loan

I recently applied for Public Service Loan Forgiveness program with XXXX XXXX. I was told that after consolidating my loans in XXXX, the time started over from that date. Problem is they are not taking into consideration my loan paid prior to XXXX. In fact I paid off several loans from XXXX XXXX and Kentucky Higher Ed from XXXX XXXX. After reviewing my credit report XXXX XXXX has reported that they actually paid these loans off via consolidation. This is not true. I have reached out to the Dep of Ed. and XXXX XXXX and they are not taking my issue seriously.
Product: Credit reporting or other personal consumer reports

Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Please remove the following names from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please remove the following inquiries XXXX XXXXXXXX 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 


Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Identity Theft Report Proof of identity : a copy of my drivers license Fair Credit Reporting Act Section 605B [ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered unauthorized inquired in which in I never applied. According to the Fair Credit Reporting ACT, legally these unverified and unauthorized items Must be removed immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate XXXX XXXX XXXX XXXX, personal XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I requested documents that provided proof I gave authorization for these inquiries to be furnished on my consumer report. Transunion did not provide me with any evidence or proof that these inquiries were authorized and responded with no proof of authorization but further reported the inaccurate information on my consumer report every month. I am attaching an identity theft report to this complaint as these inquiries are unauthorized to be reported on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent a wire to an account holder at TD bank I have sent a similar wire to TD bank using the identical information on 10 other occasions without any incident. 

On XX/XX/2020 TD bank sent a return wire to me of the original amount less a {$40.00} fee When I inquired as to why my wire was not accepted, TD bank would not assist. They would not even investigate my concern. 

When I inquired why TD bank charged a fee on my wire they acknowledged they likely charged a fee but refused to advise why. The {$40.00} fee was charged by TD bank and not my bank. 

When I asked for this to be escalated to a manager, the online phone representative who would only identify herself as " XXXX '' refused to escalate this. When requested, she would not provide any other identifying information about her name or the call number. " XXXX '' did state she checked with her supervisor who refused to get on the phone but directed my to a local branch to log a complaint when I expressed my concern about being sent to a branch in the midst of Covid-19, XXXX expressed indifference and again refused to assist in any way
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a van through Sun Trust Bank in 2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.
Product: Student loan

On XXXX XXXX, XXXX I recertified my student loans, since I knew my recertification date was in XX/XX/XXXXXXXX 
On XX/XX/XXXX XXXX, Department of Education made an announcement about recertification dates. Specifically, those who had recertification deadlines in XX/XX/XXXX, and saw after they already recertified and their payment went up, that they would be returned to their previous monthly payment amount until the new recertification deadline. 
On XXXX XXXX, XXXX, I reached out to MOHELA to confirm that I expected to benefit from this announcement as I had recertified already to comply with my XX/XX/XXXX XXXX deadline and my payments had gone up. 
On XXXX XXXXXXXX XXXX, I received a response from MOHELA that confirmed that I would benefit from the change. MOHELA 's response indicated the following : " Your account should revert back to the Pay as You Earn ( XXXX ) Repayment plan. Your monthly installment of {$0.00} will continue through your new IDR recertification deadline on XXXX. '' On XX/XX/XXXX, I sent another message to MOHELA asking if there was any guidance on to how long it would take for me to see the change. I asked because that same day, I received a bill telling me that I had a {$68.00} payment due on XX/XX/XXXX. 
On XX/XX/XXXX XXXX, MOHELA responded again, telling me that their response to me on XX/XX/XXXX was incorrect, that my payment would not be decreased, and my payment continued to be due on XX/XX/XXXX, in direct violation of DOE 's announcement. 
On XXXX XXXX, XXXX, I sent an email to MOHELA 's Customer Advocacy Team Specialist, asking for assistance on my situation. 
As of XX/XX/XXXX, I have not received any response from him.
Product: Credit card or prepaid card

I subscribed on XX/XX/XXXX to a XXXX XXXX XXXX credit card, which has a {$300.00} annual travel credit benefit per my cardmember agreement. 
On XX/XX/XXXX, I placed a purchase for travel of {$560.00} via XXXX XXXX using my XXXX XXXX XXXX card, and was expecting the balance of my annual {$300.00} travel credit to be applied, since it applies on a calendar year basis. 
I called Chase on XX/XX/XXXX and then XX/XX/XXXX to  inquire about closing my XXXX XXXX XXXX, as I did not want to renew and pay the {$450.00} annual fee. On XX/XX/XXXX, I was told that my travel credit benefit might not be applied because I intended to close the account. So I asked not to close the account, and waited another 48 hours before I called back. When I called back on XX/XX/XXXX, I was told by a different operator from Chase that I would actually get the travel credit, and asked to change my XXXX XXXX to a Chase Freedom in order to avoid the fee while keeping my credit account opened. 
It took 4 entire days for Chase to post the charge to my account after it was in " pending '' state, while it usually only takes 48 hours. Chase claims that because I changed credit card, the charge was posted only after I did the product change and thus would not benefit the travel credit in spite of what their phone operator confirmed to me when I specifically inquired. Also, the cardmember agreement states that " A statement credit will automatically be applied to your account when your card is used for purchases in the travel category, up to an annual maximum accumulation of {$300.00} ''. This means that using the card is the reason the travel credit should apply, and not when the charge should be posted.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account below : XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Student loan

Spoke with the Student Loan Movement company in XXXX about why my payments were not showing up on my federal student aid website as going towards my actual student loan. I was told that it wont show until I make my final payment to them. When speaking with the US Department of Education it was brought to my attention that this company that I have been paying since XX/XX/XXXX is not a legitimate company associated with them nor do they have any knowledge of this company since my student loan is actually consolidated through XXXX XXXX. Spoke with XXXX XXXX today as well and they have no recollection of this company either and started that no consolidation company is suppose to ask for a persons Federal Student Aid login, also they had created a whole new bogus email where XXXX XXXX was sending information to. Plus XXXX XXXX let me know that I was not to be making any payments until XX/XX/XXXX. I was told by both US Department of Education and XXXX XXXX to call my bank since I had a card on file with Student Loan for automatic payments. I made 6 payments of $ XXXXmonth from XX/XX/XXXX to XX/XX/XXXX. Then $ XXXX monthly payments starting XXXX XX/XX/XXXX with the last payment being XXXX XXXX since canceling with them today.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa, XXXX XXXX Account # XXXX no contract no signature
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Equifax on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 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. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX INQUIRY Account Number : XXXX XX/XX/2023 XXXX