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

Im filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX  XXXX XXXX opened on XX/XX/XXXX, XXXX/dept of ed opened on XX/XX/XXXX, XXXX/dept of ed opened on XX/XX/XXXX, XXXXdept of ed opened on XX/XX/XXXX, XXXX/dept of ed opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX Those accounts are results in several fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the fraudulent accounts in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

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

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

I am writing to formally dispute a late payment that is still being reported on my credit report for my student loan account. The late payment in question occurred over 5 years ago, and I believe it is necessary to address its reporting status due to recent developments regarding student loan debt. 

To provide context, I want to highlight that the student loan account in question has been deferred and I have never had any other late payments. Despite the deferred status, the credit report continues to reflect the late payment from over 5 years ago. However, I want to bring to your attention that there are ongoing discussions and movements in the United States government to address the issue of student loan debt and potentially remove it from individuals ' credit reports. There has already been motion for the debt be removed from government workers. 

The inclusion of this late payment from several years ago significantly impacts my credit history and may limit my financial opportunities. It is crucial to consider the evolving landscape surrounding student loan debt and the potential implications it may have on the reporting of such information. 

In light of these circumstances, I kindly request your assistance in investigating this matter thoroughly and reassessing the reporting of the late payment on my credit report. I believe it is unjust to continue reporting this late payment, given the passage of time and the potential changes that may be implemented regarding student loan debt reporting.

Please take into account the following points : The late payment in question occurred over 5 years ago, and since then, I have diligently worked to improve my credit history and maintain a responsible payment record. 
The account is currently deferred, as indicated by the documentation I have provided, and is not in an active repayment status. 
The current environment surrounding student loan debt calls for a reevaluation of reporting practices, as there is growing momentum to address the burden of student loans and potentially remove them from credit reports. 
I kindly request that you review this matter with consideration for the points mentioned above. I believe it is essential to rectify the reporting of this late payment, especially in light of the potential changes to student loan debt reporting that are being discussed. 

Please provide me with a written confirmation once the investigation is complete, and the necessary corrections have been made to my credit report. Your prompt attention to this matter is greatly appreciated. 

Should you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX. I am committed to resolving this dispute and ensuring the accuracy of my credit profile.
Product: Student loan

I received information from the Student Loan Help Center about a program attached to President Obama 's affordable care act. I was told that this program would allow me to reduce my monthly payments and eventually have my loans forgiven after 20 years instead of XXXX. I was told this would all be done for me for a one time fee that can be split up over 3 months. I would have to fill out an application and " e-sign '' it to complete the application process. However, part of what I was told to " e-sign '' turned out to be some kind of legal contract that I was not informed of. I was told that I would only have to sign in XXXX places and it turns out that my e-signature was placed in at least XXXX other places. Throughout this entire process, the worker over the phone heavily implied that this was run through the government and that they were in fact part of the government. At no point in time was it disclosed to me this was a private company or that I can apply for these type of relief methods myself. This whole process may not be fraudulent but it is predatory. It preys on the fear many students have with large debt and convinces us of a golden way out. As it turns out, the old saying If it 's too good to be true, then it probably is. '' was correct.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX  account was listed as " charged off XX/XX/XXXXXXXX  '' and has remained in that status until recently when the status was changed to " charged off XX/XX/XXXXXXXX  ''. The change in " charge off '' date caused my score to drop more than XXXX points. Due to the age of the account and the last payment, the account should be removed from all bureaus.
Product: Debt collection

Vision Financial gained every number of my relatives, customers, and co workers from XXXX XXXX and sent a blanket message that a court action was going to be filed against me over an old debt. I have contacted XXXX 's Security department and they are investigating this as a potential hack of their systems. I will be taking legal action against them for damages but need this investigated. Phone number for them is XXXX
Product: Debt collection

Dear CFPB, First of all thank you for always being helpful to the consumers. 
I had purchased an XXXX  package from XXXX and unbeknownst to me they registered themselves as the registered agent and took the payment, when I realized they had done this I immediately called to cancel any Autopay including the one for the registered agent service. I thought the matter had been resolved. Without any advance phone calls, letters or notice, I received a threatening letter from their collection agency Caine and Weiner, XXXX XXXX reference # XXXX. I called XXXX XXXX  and they asked me to call CA state of Secretary and prove that the auto payments were cancelled, I tried calling and emailing them but got no response, I also emailed the law firm asking for the person who was in charge of sending the letter, their license number etc. I again received an email today demanding the XXXX dollar annual autopay XXXX XXXX keeps/kept billing without my knowledge and did not even send me a letter or phone call before referring to collections and threatening to damage our credit, This is highly unethical, illegal and slyly charging autopayments without our knowledge and then sending to collections without any attempt to first resolve or clarify what happened. Please help as this is threatening and harassment from XXXX XXXX  and Caine and Weiner Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Product: Debt collection

The caller identified as being with " XXXX '' regarding a flexshopper account. I asked about what the debt was for, and at that point, XXXX minutes into the call, the rep read the required debt collection & recorded call disclosure. The consultant asked me to confirm that I was " XXXX '', which I did, and then the phone rep proceeded to disclose to me my full name, DOB, address, SSN and email and asked me to confirm v. asking me, which is a violation of privacy/FTC/FCRA regulations XXXX
Product: Checking or savings account

I opened an banking account with Truist on XX/XX/year> I deposited my irs issued tax return with the amount of {$7900.00} into the account at the XXXX XXXX XXXX branch which gave me a time frame of when my funds will be released which was XX/XX/year> and I have not received any of my funds due to negligence of the bank I provided the documents of my account tax transcripts which they asked for on XX/XX/year> with no word back from anyone regarding my funds. I demanded my account be closed and funds to be mailed but they are holding my account open against my will
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding unknown and inaccurate items listed on my credit report. To this date more than 90 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 110 days or more since my last request without any response. These items should be promptly deleted from my credit report. This is affecting my search for housing. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.
Product: Credit card

Monthly Experian Credit Monitoring account has an open credit fraud account high risk in the amount of {$10000.00} dollars. This credit card is not authorized or notarized in any form; please remove immediately!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute to both XXXX ( Report # XXXX ), XXXX and TransUnion XXXX Report # XXXX ) via certified mail regarding inaccurate information of XXXX XXXX These accounts were inaccurately reporting the date opened, date last active and balances. I provided supporting documentation for my dispute that information was not reported accurately. Following the investigation, XXXX deleted these accounts from my credit report, recognizing the inaccuracies. However, XXXX and TransUnion have not followed suit and have erroneously marked the information as verified '' and have not provided me with any method of verification. 

XXXX has replied via the XXXX dispute center resulting that the information is verified and accurate on XX/XX/XXXX. In addition to this reply being after 30 days which is mandated by law, according to the updated report ( # XXXX ), information is still reporting inaccurately. There is no date given for any of these accounts for the month of XX/XX/XXXX, and no data given for the months XXXX XXXX XX/XX/XXXX in ( Report # XXXX ) Transunion has not replied to my dispute and I have had no contact with them at all regarding this matter. According to the previous report ( # XXXX ) in XXXX and the updated report in XXXX ( # XXXX ), information is still not 100 % accurate.
Product: Vehicle loan or lease

On XX/XX/XXXX Bank of America transferred {$1300.00} out of my account without permission. They claim this was to cover a vehicle that was totaled back in XXXX. I had gap insurance, so no balance should have been remaining. I called on XX/XX/XXXX and was told a manger would call me back that day because Bank Of America always sends out notices before they offset an account. I called again on XXXX and was told the same thin about a manager returning my call. I received a call today, XXXX from a manager and was informed that they typically offer a settlement or good faith payments towards balances like this, and they have in their notes that I asked them to not call me so they weren't able to offer those things to me. I informed him that that is a lie, as I have never asked Bank of America to not call me. I asked him to tell me where in the notes it is stating that I asked for them to not call me, and he said he would have to research it. 

Bank Of America has never sent me any correspondences offering me a settlement, good faith payments, or informing me about his alleged balance. Instead, they took money I had allocated towards bills with their unauthorized transaction. 

I asked the manager if I could pay a settlement, and he said no since they already had the money. Bank of America is an unethical financial institution that could care less about their customers.
Product: Debt collection

I was sent a notice that I owe {$8.00} to XXXX XXXXXXXX XXXX for XXXX XXXX XXXX. I called the company and I spoke with someone and told them that I did not want the extension that they were charging me for. She said she took care of it and now they are badgering me for {$8.00}. 
I did not check any box to say I wanted an extension and thought it was taken care of. I dont know if the girl I spoke with entered the information into the computer but they keep sending me letters and now its in collections. Would you please help me remedy this situation? 
They already sent me mail that costs half of what they think I owe them! 
Thank you, XXXX XXXX XXXX
Product: Student loan

I have contacted them in regards to fraud on my student loan account. I had XXXX other federal student loans that were founds out to be fraudulent. I 've been going back and fourth and filled a fraud case and they keep coming back saying that the amount is mine when it is not. I 'm lost and not sure what to do, I have been able to get all other fraudulent items off of my credit report besides this and they really are no help to me in figuring this out. Mean while the interest keeps going up but the entire loan is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMEX ( XX/XX/XXXX and XX/XX/XXXX ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the XXXX, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Debt collection

I had a personal loan with a company named XXXX for {$11000.00}. I paid off {$3600.00} of which {$1100.00} was interest. I took out the loan on XX/XX/XXXX. I made XXXX payments and unfortunately, I had to file for bankruptcy in XXXXXXXX XXXX XXXXXXXX, to save my home from foreclosure. A company named XXXX XXXX XXXX, then bought the debt and has been sending threatening letters from lawyers to me and is also trying to take me to court. They have also threatened to have me incarcerated if I don't show up to the court hearing.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Date XXXX : XX/XX/XXXX XXXX # : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Checking or savings account

I opened the account on XX/XX/XXXX with the promise of a bonus of {$500.00} if I deposited XXXX dollars within 30 days and left the money in the account for at least 90 days. The XXXX went into my account on XX/XX/XXXX. In XXXX Citi sent me a bunch of wierd papers for me to fill out. Papers that I have never had to fill out for a checking account ever before. I called and asked why and the associate told me it was mistake on their end and that my account was good and I would recieve the bonus. They apologized to me profusely. I was expecteding to see the bonus in early XXXX and when it didn't appear, I called Citi and was told I needed to fill out a XXXX. I sent them a XXXX but they sent back correspondence saying it was altered and they needed another XXXX. They also included a XXXX form which clearly states that if I am a US citizen , do not fill out that form. Still no bonus.I called again and they told me again to send a XXXX. Rather than argue with them I sent another XXXX. I called again on XX/XX/XXXX and was told they would open an investigation and I would get the results in 5 business days. After those days went by, I called again and asked what the results of Case # XXXX were and was told it may take 10 days. It is now been 16 days and the bonus has still not been credited to my account. This bonus should have been in my account months ago and I just keep getting the same run around. Please help me.
Product: Credit reporting, credit repair services, 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$900.00} 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 Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$900.00} XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

Back in the year of XXXX the peak of COVID-19, I was approved for a loan at Check N Go for {$4500.00}. Since then, life has not gotten any easier. I have not had any sort of stability which made it difficult for me to receive updates as it pertains to this loan. 

I want to help, and I want to make things right but financially I am in no position to take on an extra monthly expense because I am barely making ends meet. 

On XX/XX/XXXX it was brought to my attention that a creditor was trying to get in touch with me and wanting to seize wages. My being scared from the constant threats to garnish what little wages I have I agreed to a payment arrangement that I genuinely can not afford. 

I am asking for more time and grace so that way I can start making payments towards this loan from XXXX Can you please help?
Product: Vehicle loan or lease

the loan company repossessed the vehicle told me the payment that was being made that it was supposed to bring my account current. I am now being told that it did not that it was still 37 days past due for 2 full payments past due.

They refuse to actually call me they put notes in claiming they have called me and then they never do. Not 1 representative has the same story about the past due amount I have one representative claim what I paid was paying the repossession fee only the next claims there was an error made in the payment that they didn't process it right.

On my account it shows that after they took the payment from me that I authorized they attempted to put a payment through that I didn't authorize them to attempt on my account.

At this time their claiming that I am 37 days past due and that the loan modification expired that they were supposed to have approved moving 2 payments to the end of my loan. Their claiming that the 37 days past due is a total of 2 payments which is impossible if it was 2 payments worth it would be 60 + days past due not 37 days past due.

I have read numerous complaints from other people who have had similar experiences with them. When they had the car repossessed they couldn't provide me with paperwork when they filled out the initial loan paperwork they screwed it up putting myself as the co-signer and my co-signer as the main signer on the loan when asked to fix it they said they can't do it because they would have to refinance it and they don't refinance loans.
Product: Checking or savings account

On XX/XX/year> an ACH draft in the amount of {$880.00} was withdrawn fraudulently from my VyStar Credit Union business checking account under the description of XXXX XXXX XXXX. As soon as I reviewed my bank statement the following month, I contacted the bank 's customer service agents to report the problem since the bank failed to notify me. I was told by VyStar to directly contact the company they thought responsible ; I did so but they denied any charges. This is a company that I have not had any business with in at least XXXX  years and never purchased more than {$25.00} worth of services from. I contacted VyStar again, on numerous occasions ( at least XXXX ), and was told that they were researching it and that someone would get back with me. No one ever did. After at least a month of being put off I called again and was advised that I would have no recourse because I did not notify you within XXXX hours of the incident. 
After speaking with my attorney about this matter, I understand that under Regulation E and the Nacha Rules I have *60 days* from when the bank sent me my electronic statement in which to object to an unauthorized transaction. I provided timely notification but have not received satisfaction from my financial institution. I even sent them a letter 3x ( mailed, emailed and hand delivered ) to get recourse but they refuse to help. I simply want the money back that was stolen from me. 
I attached a copy of the letter I sent to the financial institution.