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

When I completed my XXXX XXXX I had {$16000.00} in debt that was forgiven through Teacher Loan Forgiveness back in XX/XX/2015. After that, I took a parent loan to help my son with his education for {$19000.00} ( which was the only thing I owed to the Department of Ed since my loans were forgiven. I started repaying my loan two years after and then XXXX came and it went into forbearance. When the forbearance was listed and I was supposed to start repaying, I received an email suggesting I applied a PFSL loan forgiveness, so I did. That's when the nightmare started, my account was transferred to XXXX and I was finally told that I didn't have enough qualifying payments. I started paying XXXX and I received an email from the Department of Ed stating my loan was going to be discharged under the Borrower 's Defense and fraudulent activity from the XXXX XXXX. At that time, XXXX transferred my loan to XXXX. When I received XXXX XXXX 's bill, it was almost double from what I owed. When I did my research, apparently they consolidated the loan that was forgiven with the parent plus loan that I owed, I have been trying to provide evidence to XXXX XXXX of the loans I've taken ( which are listed in the student aid page ), the teacher loan forgiveness and the discharge and they refuse to take the information from me. They say it needs to come from the Dept of Ed. I call the Dept of Education and they say they don't communicate with services. They sent the discharge notice to the incorrect servicer which is XXXX ( my original servicer ) I have almost 35k on my credit report that don't belong to me, evidence of their mistake and no one to help me. Hopefully I can get some help through you,
Product: Debt collection

XXXX XXXX XXXX repeatedly sent statements indicating a bill was unpaid. In fact, I had used my XXXX Visa card to pay and received an email receipt. I took several actions to relay to them the payment had been made. These actions included a phone call, where I was assured the problem was resolved. Upon receipt of another statement I sent them fax copies on XXXX dates of the payment receipt. 

Despite these actions they sent the issue to a debt collector. I have received XXXX letter from the debt collector and have responded in writing disputing the debt.
Product: Checking or savings account

In XXXX of XXXX I attempted to open a new Discover deposit account but was unable to do so. I contacted Discover about this issue and they were unable to provide a resolution, but claimed that the issue had been escalated and that the issue would be resolved shortly. After multiple attempts to obtain the escalated resolution I was told that Discover was ceasing to do business with me. My accounts remain open, even though Discover claims that they will be involuntarily closed shortly. Upon inquiring about the reasons why I was being shut down, Discover was unable to provide me with an answer.
Product: Credit reporting or other personal consumer reports

There is a inquiry on my report I didnt do Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 XXXX  company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41 Date : XX/XX/2023 Ally Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INFORMATION SERVICES LLC Is reporting these fraud accounts on my credit report : XXXX XXXX {$3500.00} XXXX, XXXX XXXX {$2700.00} XXXX XXXXXXXX XXXX {$14000.00} XXXX Equifax is violating FTC rights & my personal rights. I have made several attempts to dispute & correct this matter & Equifax continues to ignore & disobey the law. Equifax knows by law these companies have not legally verified that these fraud accounts belong to me. This fraud is causing a multitude of stress for my family & I & my future endeavors to use my credit. I was planning on upgrading my membership with Equifax, but why should I pay $ 30+ a month & they don't seem to care about my life. 
Thank You.
Product: Payday loan, title loan, or personal loan

On, or about, XXXX, I applied for a loan for {$500.00} on line from " Big Picture Loans ''. On XXXX they deposited {$800.00} to my checking account. The first payment of {$230.00} was deducted from my account. None of this payment was applied to my account. They claim to charge no hidden fees, this fee was hidden from me. Appearantly their interest rate is approx. 800 %. I was not informed of this interest rate until after the payment posted. I thought an interest rate like this would be illegal. I was never informed that this co. basically opperates outside of XXXX law.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
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 vears.

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: Credit reporting, credit repair services, or other personal consumer reports

XXXXct. # 15 USC 1681 ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s3 of this title, Any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a violation of the FCRA to report " Late payments '' as that is a transaction. XXXX XXXX XXXX # XXXX XXXX XXXX  Act. # XXXX XXXX XXXX # XXXX XXXX Act. # XXXX XXXX XXXX XXXX. # XXXX XXXX
Product: Credit reporting or other personal consumer reports

the accounts listed below are done with fraud .I never open these accounts. I have filed a police report and attempted froze my reports. 

XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX
Product: Credit reporting

I had a XXXX transunion credit score for the past two months and as recent as XX/XX/2017. Having not applied for any credit and with all active credit accounts on auto pay I received a XXXX reduction from transunion while during the same period of time my XXXX and XXXX score went up by a few points. Additionally, I submitted XXXX disputes to tranunion and immediately after submitting the disputes on XX/XX/2017 my score was reduced by a substantial margin of XXXX points. Normally, emails are sent when changes are reflected on a credit report. I received no notification from transunion of any changes that I am aware of. It appears that this deduction was partly in response to my dispute submissions. This is the second time within the last year that transunion has deduction my credit report by a very substantial margin and second time the deduction occur after submitting disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX and XXXX XXXX XXXXXXXX have violated my rights XXXX 

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 an account without my written instructions.
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 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 Account has violated my rights. 
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. 16815-2 ( 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: Credit reporting or other personal consumer reports

My Capitol One Credit Card account ending in XXXX currently reflects a late payment on XXXX of XXXX due to an incorrect " Date of First Delinquency Reported ''. 

I paid this charged off account to settle the debt with Capitol One and they have changed the date of first Delinquency. 

The " Date of First Delinquency '' should be XXXX of XXXX as reflected in my credit report from XX/XX/XXXX of this year prior to me paying the chargeoff. 

The dispute results confirm they have now changed this date to XX/XX/XXXX, this is not correct and should be changed back to XXXX of XXXX
Product: Checking or savings account

Hello I am having issues with Bank of America, my checking account was in the process of closing however my IRS check was excepted on XX/XX/XXXX and I have yet to receive my money due to investigation, Ive been given days after days, that my account was closing and they will issue me out a cashiers check, when I call call they tell me my account is still not closed they then provide me with yet another date this has been going on for about 2 months now Ive explained to Bank of America that my bills r backed up I keep telling my landlord The same dates and days they give me and to no avail Im still on hold I need help I dont know what to do or what to tell my landlord now
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello On XX/XX/XXXX I sent out a letter to Experian, XXXX, XXXX I asked for a full validation of the reported information for 3 items. Amounts were for {$9100.00}, {$890.00}, {$470.00} I asked for signed, original contracts for that correlates to the accounts in question. I got billing statements but now signed contracts. I sent a follow up letter on XX/XX/XXXX stating I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report.You are required to do this under the FCRA 609/611. I have since received an email saying that this has been validated but the items are still on my report and not signed contracts were provided.
Product: Bank account or service

I was recently contacted by who I thought was the IRS. Upon answering the phone, I was asked whether I was aware that there is a warrant out for my arrest - so of course I immediately panicked. I was then told that because I owed money to the IRS ( of which they knew the *exact* amount, so I thought it was legitimate ), I would be arrested within 45 minutes if I did not pay at least some of the balance due. Because I lived at my place of work, I panicked that a police car would come and arrest me at my place of business - a terrible thought. These scammers knew ALL of my personal information, including my address and the balance due, so again, I thought it was legitimate. As a result I sent them {$500.00} ( which may seem like a small amount to some, but to me is a huge amount of money ). Immediately afterwards I had a bad feeling, and looked up the phone number ( they told me that if I hung up, they would consider it a noncompliance, and that they would send the police ). I saw that I had been scammed. So I called Chase the minute I realized and asked them not to send the money. I begged, pleaded, and cried, but they would not reverse the charge no matter how much I asked them to. I do n't understand what the point of " fraud protection '' is if when I 'm a victim of fraud I am not assisted. I have called several times to no avail. Surely there is something they can do - the XXXX of Chase, XXXX XXXX, makes {$27.00} XXXX a YEAR! If nothing else, ca n't this meager ( to him ) {$500.00} come from his personal account? 4 days after this happened I was laid off - and now I am in dire straights - and simply can not continue to have an account with a bank if they can not treat their customers well when disaster strikes. Please, if you can do anything to help I would be eternally grateful! Thank you so much for the consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several occasions to have my credit report updated. My idenity was stolen. I have submitted police reports as their is an ongoing investigation. However, even with this information Equifax has refused to delete the accounts. What more can I do if I have the police report? This is a clear violation of the Fair Credit Reporting Act. The following are the accounts that are in dispute. Some of the accounts I was paying in an attempt to keep my credit high. I eventually stopped because it did not help matters. I even asked the business for proof of the transactions so this information can be added to the police investigation. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX : ( XXXX ) XXXX 2. XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX 3.  XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX XXXX
Product: Debt collection

I RECIEVED A LATE ON MY STUDENT LOAN IN XX/XX/2021, THEYRE SUPPOSE TO BE IN FOREBERANCE RIGHT NOW DUE TO COVID,
Product: Credit reporting or other personal consumer reports

XXXX filing a complaint to inform you that I have been a victim of fraudulent activity. After researching how to remove fraudulent items from my report, I found that I need to visit the Federal Trade Commission at https : //www.ftc.gov to file an identity theft report. As per FCRA section 605b, Credit Reporting Agencies must remove any items listed on an identity theft report with reference number XXXX. The attached documents will assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from identity theft within 4 business days of receipt.
Product: Mortgage

I had to do a bankruptcy in XXXX, the lawyer never sent in the disclaimer so my mortgage hasn't been on my credit report since. I tried to find the lawyer when I found out 10 years later, no luck. Wells Fargo says there's nothing they can do. I also had XXXX insurance on my loan. I have been XXXX since XXXX. They can't find my XXXX benefits
Product: Credit reporting or other personal consumer reports

I have tried to get Equifax, XXXX and XXXX to get this corrected and they say its right and company responds as correct, and I provide letter from XXXX XXXX XXXX  on what they agreed on and its being paid as agreed upon and they Company still refuse to correct. XXXX, XXXX XXXX and XXXX XXXX. After so many attempts and sending my letters they refuse to correct. I want them deleted now and report corrected as to.
Product: Vehicle loan or lease

DO NOT, I repeat do NOT get a loan from them. They lied to me emailing me about a XXXX dollar promotion as I was looking for a company to finance my first ever car purchase. I had other companies that were willing to finance me, but what hooked me was the promotion as I planned on using it as a months payment as I budgeted my expenses. This turned out to be a flat out LIE, as I was at the dealer ready to sign they tell me that the promotion is only valid for people who REFINANCE through them, which was NEVER mentioned in the email or the subsequent calls I had with their agents, up UNTIL I had to sign for the car. I had no choice but to sign as I was already there at the dealer excited to drive away. I later emailed and called Westlake Financial regarding this FALSE ADVERTISING and they never replied to a SINGLE one of my emails in which they asked me to submit he proof that they sent me said email, because according to them they had no record of said email or the preceeding calls mentioning said promotion. I submit everything they asked and got NOTHING, absolutely NOTHING in return. They didn't reply to anything. Trash company with predatory lending and false advertising.
Product: Credit reporting or other personal consumer reports

I dont recognize these addresses please remove. Thank you. 

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
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts : A personal credit card account opened at XXXX XXXX under the account number XXXX An account opened at XXXX under the account number XXXX An auto loan account opened at XXXX XXXX under the account number XXXX An account opened at XXXX XXXX under the account number XXXX An account opened at XXXX XXXX under the account number XXXX An account opened at XXXX XXXX XXXX under the account number XXXX An account opened at XXXX  XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 2 closed credit card accounts with XXXX XXXX XXXX XXXX that have been closed since XXXX. However. Both accounts are still reporting new late payments monthly to all 3 credit reporting agencies ( transunion, XXXX, XXXX ). Not only are they reporting new monthly late payments on closed accounts but they are not reporting correct and complete information to all 3 CRAs. For example. There are multiple open dates, last active dates, last date of payments ect showing for each CRA. I will attatch a screenshot from Identity Iq showing late payments from XXXX as well as alll of the inconsistencies between the bureaus thats being reported. As well as an invoice for each violation and innacurate and/or inconsistent item furnished on each CRA. Ihave reached out to XXXX XXXX Multiple times about having the accounts removed as well as all 3 credit reporting agencies.
Product: Checking or savings account

I received a letter from Bank of America which I had been banking at for over 15 years on about XX/XX/2020 saying they were closing 2 of my accounts for no reason. The letter looked odd but had a number so I called it but a recording said there was nothing I could do. Since I had banked at B of A for so long I went to the branch I bank at and spoke to a XXXX XXXX who made some calls and assured me that the letter was fake and to not worry about it. That is the only correspondence I received but then earlier this month I could not pull up these accounts and went back into B of A and spoke to XXXX XXXX who I have know at the bank for years. He could not do a thing and confirmed the letter was real and that per all of their agreements they can close my accounts anytime they want. Needless to say this was a shock as I am a small business owner that has used them for 15 years and now I had over {$200000.00} in their bank and I could not get to the funds. My accounts were closed so I had payroll for my employees bounce and many checks bounce because B of A is ( ) fill in the blank. To make matters worse I still have not received all of my fund yet from them so for over 2 weeks they have kept some of the funds.This has caused me great problems with suppliers that I have done business with for years.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$3300.00} XXXX. XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1200.00} XXXX. XXXX XXXX # XXXX XX/XX/XXXX {$3300.00} XXXX. XXXX XXXX # XXXX XX/XX/XXXX {$4500.00} XXXX. XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1300.00} XXXX. XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX # XXXX XX/XX/XXXX {$1100.00} XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} XXXX. XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX. XXXX Section XXXX A. states I have a right to privacy. 

15 U.S.C. 1681 Section 604 A. section 2 states : a consumer reporting agency can not furnish an 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 7 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.