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

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney.

Please acknowledge this letter and provide a timeline for resolution.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit card or prepaid card

Back in XXXX I sent my credit card company a hand written letter in much detail about charges I did not make. After a month or so they tell me I did not send enough information. 
I sent them exactly everything I could including dates, amounts, why I was disputing it. 
I simply had no more info. They tell me they will issue me a temp credit while they investigate which they never did. More time passes and they keep telling me they are investigating. They tell me with no reason it is closed. I am told I can re-issue the dispute which I did again and they will not tell me anything. 
I keep getting the run around. I am out of options and will not pay disputed amount and am afraid it will affect my credit in a negative fashion.
Product: Debt collection

In XXXX, XXXX, and XXXX I found out I was a victim of identity theft while serving in t he United States XXXX. In late XXXX I was XXXX and lost my belongings in storage. I tried to fight it in the past and even in the present but had no success. The accounts that I'm disputing are with XXXX and as such. 
1. XXXX XXXX Parial account # XXXX First reported XX/XX/XXXX and now is considered a charge off. Recent balance {$10000.00} written off {$7400.00} 2. AD Astra Recovery Service Partial account # XXXX First reported XX/XX/XXXX which is in collections. {$300.00} 3.XXXX XXXXXXXX XXXX Partial account XXXX XXXX First reported in XX/XX/XXXX which is in collections. {$500.00} 4. XXXXXXXX XXXX XXXXXXXX Partial account # XXXX First reported XX/XX/XXXX which is in collections. {$99.00}
Product: Payday loan, title loan, or personal loan

I received a pre-approval offer for a loan up to {$4000.00} in the mail. I applied for the {$4000.00} loan and was denied. I called a spoke with a manager by the name of XXXX. She was nice to talk to, she listened, empathized and assured a return phone call and/or voicemail. I did not receive that call back. I called back again and spoke with a manager named XXXX. She was not nice. She was very passive-aggressive. I explained to XXXX that her company has violated the law. 15 USC 1691 states that it is unlawful for ANY creditor to discriminate against ANY applicant with respect to ANY credit transaction. Opploans has discriminated against me based completely or partly on a communication from a consumer reporting agency. Pursuant to 15 USC 1681 congress has found that the banking system is dependent upon fairness & accuracy. I have not been afforded fairness by Opploans. I am the consumer & original creditor. I can not be denied an extension of my own credit. The adverse action taken against me has caused me & my family XXXX XXXX. As a result of this XXXX XXXX I am unable to eat tonight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several calls, written several letters and sent this same affidavit to Experian and they refuse to respond. I continue to tell them that I am a victim of identity theft and have told them that they are violating my rights by having the information on my report. Can someone help me?
Product: Credit card or prepaid card

I was charged on my credit card as a fraudulent charge. I have submitted documents to CapitalOne and they refuse to reverse the charge and will not charge the merchant back. I refuse to pay the charge although I have submitted proper documentation to them and they are threatening to pursue collections and put this against my impeccable credit if I dont pay the charge. I have supporting documentation on hard copy which if needed I can mail to you upon request.
Product: Credit reporting or other personal consumer reports

I was added to the Discover Bank XXXX as an authorized user XX/XX/2023. The XXXX ended XX/XX/2023. The XXXX Cycle started XX/XX/2023. 

I first pointed this information out to Discover and asked them to remove the delinquent entries. 

I then educated myself and DISCOVERED ( pun intended ) that it is a violation of the law [ 15 USC section 1681a 2 ( A ) ( i ) ] for Discover Bank to report late payments as delinquencies after assessing late payment fees. These paid fees makes the payments transactions. No creditor or credit bureau is permitted to report transactions. 

I asked Discover Bank, and each respective bureau that Discover reports to, to reverse the late payment entries to okay or paid as agreed. 
Instead, Discover Bank added OK to the previous month preceding the two months that the false and illegal late payment entries were submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a break in and didnt file a report because I didnt notice anything missing. But after a couple of years I started noticing different things on my credit about credit cards I never had. So I figured it must have been from the break in.
Product: Credit card

XXXX I was in Macys department store and tried to use my Macys credit card which I have had for over five years. The card was denied when I checked my account. My balance was XXXX the cashier told me she could reinstate my account since it wasnt used in a while and she continued to prepare an application. I asked her if this was an application that was reapplying for a credit card. She said yes that was a process and I told her to stop it because I didnt want to Hit my credit report as applying for a credit card. I came home called Macys and was told that they canceled my credit card because my credit report went down a few points and thats what they base their credit card on. I told them I had no late payments with that account. My account was XXXX balance and I never had a problem before. She said there was nothing they can do about it. Thats their policy. They check credit reports, and if the credit report goes down at any point, they cancel the credit card. I think this is an unfair process of an account that was in good standing with the store to be automatically canceled.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Good Afternoon, My name is XXXX XXXX and I am writing to finish my ongoing battle with XXXX XXXX on some unfair and unreasonable marketing tactics. To start off I have been at this for a while with them and as of late I was obviously distressed and upset and still am for the treatment I had been given from them when dealing with my two vehicles I had purchased from them. Some emails had been exchanged on my part that I do have to apologize for but I have been and still am upset and just was trying o get what I believe is fairly owed to me. I have made all of my payments on time and will becoming up on a year now and have nothing to show for my troubles. My Credit Score hadn't gone up and the way they financed my new vehicle they made out and was able to increase my interest rate because of no fault of my own. They did offer me a settlement which at the time I had planned to reject because I was to give up my rights and youldnt complain any further but wrongs done to me. So I did reject it but before I could I was contacted by XXXX from Customer Relations with the message that offer of settlement was rescinded due to my emails and them basically coming to the conclusion that no matter what they did I wouldn't be happy. Looking back I should have taken the offer but glad I didn't because I still have the right to complain about horrible situations this company has put me into. They offered me to give me my original interest rate I had on my 1st vehicle I had purchased back from me because of the mechanical issues that I was having and going back and forth with them that this vehicle shouldn't have never been sold to someone in the General Public. Not to mention money I had paid into my first vehicle I wouldn't see back because it was time that I waist that vehicle which I was ok with at the time but was understanding that my Onetime payments would reflect my new interest rate. First they said it did before it was deleted and got another answer all together afterwards. I want what is fair tired dealing with this company by myself I was told even though the CFPB has no legal opinion in matters but could help me the customer who has been done wrong by a company who clearly takes advantage of consumers that have horrible credit and expect them not be able to fight back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Everytime i purchase that involve credit report, that XXXX XXXX XXXX {$5100.00} still shows in my credit report everytime i refinance the house or car or purchase a product. That {$5100.00} has been paid off 2 years ago and i even called XXXX to take out that report but still shows..
Product: Student loan

I am an individual currently in XXXX  school. I have been switching between being a part-time ( 6 credits ) and a below part-time ( 3 credits ) student starting in XXXX of XXXX. I have been attending the University of XXXX  XXXX XXXX, but have not take out any new loans for school. This is related to my older loans from receiving my XXXX degree and are in the repayment process. 

Several times now I have been in a period of interest forgiveness on my subsidized loans due to being in school part time. When I switch to below part-time I should be charged interest on my subsidized loans, I get that. 

The loan servicer keeps adding " Capitalized Interest '' amounts to my loan balance as a back charge for time spent below full time, even though it is during semesters where I was enrolled above full time. This happened on XX/XX/XXXX, which was the most charged and should have included 6 months of interest forgiveness on my subsidized loan as I had graduated XXXX of XXXX with my XXXX. It also happened on XX/XX/XXXX even though I was enrolled as a 6 credit student for the Fall XXXX semester. It also happened on XX/XX/XXXX even though I was a 6 credit student during the summer semester which ended in XXXX of XXXX. 

Each time this happened I called them to dispute. They always say it is based on the dates my school reports to the government on when I was a part-time student and I have to reach out to my school to update them. I reached out to my school, the confirm they have put the correct dates in the system. Navient won't budge, and now I am on the hook for hundreds of dollars in capitalized interest that should have been forgiven and I am also paying interest on that interest. 

Navient in no way shape or form notified me before adding these charges to my account, they just did it. They never provide an explanation of where the capitalized interest is coming from ( ie what dates it is covering ), and they just tack it on to the first statement after they apply it. 

This is an extremely unfair practice and I feel I am being overcharged by my loan servicer related monies that should have been forgiven. 

I will also make it clear that not only do I pay my loans, I actually overpay them even when they are in forbearance. There should be little to no interest on a monthly basis due to me paying them down every month. I can not wait to pay these loans off next year so I can be done with them, but everyone needs to be aware of Navient 's unfair and deceptive lending practices.
Product: Mortgage

I applied for a loan with them. They approved me for XXXX. On the approval letter they said there is a guarantee XXXX $ if they couldnt close. After 1 week of opening the escrow they denied my loan. Im asking for the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple incorrect and unauthorized credit inquires 1. ) Capital one XX/XX/XXXX 2. ) Capital one XX/XX/XXXX 3. ) Capital one XX/XX/XXXX 4. ) Capital one XX/XX/XXXX 5. ) XXXX XXXX   XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. XXXX /XXXX XXXX XX/XX/XXXX 10. ) XXXX/ XXXX XXXX XX/XX/XXXX 11. ) XXXX/XXXX XX/XX/XXXX
Product: Student loan

I submitted requests to be placed on an ICR plan in XXXX, XXXX, XXXX, and XXXX of 2024. I have screen shots that all of these requests were sent from the StudentAid.gov website. I have spent hours on the phone with MOHELA and StudentAid. Representatives confirmed that my application was received from XXXX and is in processing. I am now hearing of people who applied months after me being placed on an IBR plan while I have been in limbo since XXXX.
Product: Mortgage

again, I at NO time told you this wasn't because of Covid, you offered me a plan in regards I could put arrearages at the end of the loan and or paid in a lump sum. This was never offered to me and then you state you placed me on an unemployment plan when I was and can verify I was employed. 
Please can an outside source listen to the phone calls and not this fairy tale they have concocted, for I will continue to file complaints until this is corrected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Credit Dispute Regarding Improper Investigation and Request for Removal of Inaccurate Derogatory Trade Lines Dear TransUnion Dispute Team, I am writing to formally dispute multiple inaccuracies on my credit report and to express serious concerns regarding TransUnion 's failure to properly investigate my past disputes. The recent CFPB complaint against XXXX ( XX/XX/XXXX ) underscores industry-wide deficiencies in handling credit disputes, and I believe similar issues exist with TransUnion 's dispute processes, including : Failure to conduct adequate investigations when consumers report inaccuracies.

Automated processes that result in incomplete or cursory reviews. 
Re-insertion of previously removed inaccurate information without proper notifications. 
Specific Issues and Requests : Inadequate Dispute Investigations : Despite prior submissions, TransUnion has failed to provide clear or comprehensive resolutions to my disputes, which has negatively impacted my financial standing. 

Derogatory Trade Lines : I am not the primary account holder on the following derogatory trade lines, and they should be removed immediately : XXXX  XXXX XXXX XXXX XXXX XXXX with FCRA Requirements : Under the Fair Credit Reporting Act ( FCRA ), TransUnion must ensure accurate reporting and conduct thorough investigations into consumer disputes. I request a detailed review of all previous disputes and prompt removal of inaccurate or unverifiable information from my credit report. 

Notification of Re-Insertions : If any previously removed negative information has been re-inserted, I demand immediate notification as required by the FCRA, along with supporting documentation. 

Requested Resolution : Remove all inaccurate derogatory trade lines where I am not the primary account holder. 
Provide a comprehensive review of prior disputes, along with documented outcomes and supporting evidence. 
Ensure compliance with investigative procedures mandated by federal law. 
Please respond within the legally required timeframe and provide written confirmation of the corrective actions taken. If this matter is not properly resolved, I will be left with no option but to pursue further action. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX  has denied my Identity Theft Claim stating that the information is accurate but have yet to provide any proof that I am not a victim of Identity Theft. XXXX claimed that The Slate account ending in XXXX was opened on XX/XX/2017. This account was fraudulently used a result of Identity Theft. 

Furthermore, during the periods of XXXX I have been living outside of the United States as a resident of XXXX. Therefore, any account activity during this period was made fraudulently without my knowledge as a result of Identity Theft. Any payments that was made to XXXX XXXX  was NOT made from me as I was living in XXXX. Any account usage during this period was NOT made by me. This can conclude that someone has indeed stolen my identity and has hacked into my personal account information including emails, bank accounts, credit reports, credit cards etc. Under The Fairs Credit Act I request that this debt be removed from my name or I will pursuit a civil legal action. I have attached a copy of my Identification card issued by the XXXX Of XXXX. Further documentation such as passport entry stamps of XXXX, apartment rental contract in XXXX, Car registration in XXXX and other verifiable information can be provided upon request to further prove that I was outside of the United States during the years of XXXX.
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 : XXXXXXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to 3 Three Credit Bureaus to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The account is still reporting to my credit file held by them. This account is opened fraudulently. I informed them of the issue & provided them with the required documents to correct the account via FCRA. They have failed to verified the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account be corrected by the bureaus from my report : XXXX XXXX XXXX XXXX Balance : {$4800.00}.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

I attended the XXXX  XXXX XXXX XXXX in XXXX. I signed a loan with my mother as a cosigner with the promise of the school that there would be " lifetime '' education, access to equipment and job placement assistance. The school closed without notice in XXXX. I stopped paying this debt in XXXX, after paying since XXXX with only a few lapses, due to financial hardships.The debt has been passed to a number of aggressive collections agencies and now appears multiple times on my credit report, reducing my score significantly. 

It is my understanding that our current President had to repay the students that attended his university as they were misled and essentially not given what they paid for. 

After research on current litigation, I believe this debt is fraudulent as I was misled by false advertising and false promises. I also believe the XXXX XXXX XXXX XXXX should be investigated and the tuition paid to this company masquerading as school should be returned to the people who attended their closed locations, including but not limited XXXX, VA. 

This debt, that I assume XXXX  XXXX XXXX XXXX has absolutely nothing to do with at this point, is hindering my ability to purchase a home, to return to school and to sign up for simple utilities for my family. Please do something.