23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

To All party involve Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm starting to wonder if the cfpb actually does anything to help the consumers because the last two complaints that I have put in both companies were clearly breaking the laws Breaking All the UCCS violating my unalienable XXXX-given rights which was here before anything else before The Constitution before we even landed on This Nation never XXXX-given which takes over everything and one of the most important things that are in that Bill of Rights is the right to contract or not to contract which is unlimited what that is stating is that I have a right to contract and those are Consumer Credit contracts or actually they're called retail installment contracts with a security agreement attached to it which clearly states that there is a security interest with it and what they are doing is they're tapping into my Social Security trust account getting paid at the submission of my application and then making the consumers pay back the loan with interest and then they'll try to take your vehicle away if you don't pay so they're double dipping I know what's going on I know the fraud and what I'm doing now is I'm attaching a very long document that's been in place since XXXX that clearly states that all mortgages loans everything is null and void due to the fraud committed by all the politicians the bankers all the corporations everything so they better take this seriously this is not no joke they are interfering with my life I can not provide for my family I can't have access to the money that is owed to me from the fraud because the treasury is so backed up it's getting serious I'm literally losing my mind dealing with this so the cfpb you need to enforce something for a change and help the consumers that's what your job is but I'm sure you're tied to all the big corporations too it's all set up and I've had it and I belong to a large group of people that are into this movement right now and you're not going to win the people are taking back this country one way or another you've controlled things for far too long the amount of greed that these companies had is unbelievable not only the federal government the state governments they rob you if all your money on a daily basis they they put insurance policies on actually multiple insurance policies on the people and they cash in on them all the time it's absolutely ridiculous so I want some remedy from this in fact I demand it I have XXXX-given rights and I'm exercising my rights okay so I hope I made myself clear and you better read this document that I'm sending you and it funny how you set the your response back one day after it was 30 days from the day that I filed out of application at your branch that's that's real slick that just goes to show you how you guys are so I hope you take this seriously and just give me what I'm asking for.
Product: Student loan

Navient-Private Credit ; XXXX. XXXX XXXX ; XXXX, PA XXXX. Loan XXXX. This is probably the XXXX time reporting this Co. They are constantly calling at least XXXX times a day even though the primary borrower has contacted them to make some paying arrangements but they completely ignore the primary borrower and call the co-signer. Today XXXX XXXX, 2015 I received at least XXXX calls and told them I had contacted the primary borrower and they kept calling until 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

On XX/XX/23 I wrote Equifax about accounts that were inaccurately reporting with a balance on my credit report. These accounts were included in a bankruptcy which was completed on my end, and therefore the balance should be XXXX. I am including my letter to them for reference. I never heard back from Equifax and my account was never updated to reflect the correct balances either. The accounts that should be reporting with a {$0.00} balance are as follows : XXXX XXXX - XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of complaint # XXXX My credit report and scores has been manipulated either by the credit companies, employees or unknown hacker source. I have filled reports under the above listed complaint numbers with attachments. I am including a new attachment from AmeriSave Mortgage Corporation of my credit score on XX/XX/2021. Please investigate my credit score and XXXX scores at the time. Investigate the key factors that adversely affect my XXXX credit score which AmeriSave stated was : * Derogatory Public Record or Collection Filed * Ratio of Balances to Limit on Bank Revolving or Other Rev Accts too High * Time Since Delinquency is TOO recent or Unknown *TOO many inquiries last 12 months I have attached additional information that was received from AmeriSave after I requested my credit scores that was never given to me until I requested. All of this information is listed on the attached document from AmeriSave.

I have also found a Closing Disclosure form that was cut and pasted by someone at Amerisave. The information in this form was changed from the original and doesn't have my signature. The numbers and the responds to the questions are different.
Product: Credit reporting or other personal consumer reports

I am writing to address several issues with the credit bureau, including inaccurate account listings, unauthorized inquiries, credit reporting errors, billing discrepancies, and accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dealt with a few of the credit card companies, including XXXX XXXX who had been uncooperative at times with a negative item which had been on my report for 7 years. This occurred in XX/XX/XXXX, during which at this time I have established new credit. The negative item was on or around XX/XX/XXXX-XX/XX/XXXX. I called all three credit bureaus trying to get negative inquiries removed, and all three were uncooperative, so I called XXXX XXXX an agency that helps remove negative items. I do not work full time I am on XXXX, I also had been receiving loan applications from the credit bureaus tempting me to apply, and I did for a few because of my credit card debt, I wanted to get a loan to pay them down and make one payment, they never told me that it would be a hard pull and it ruined my credit score. All of my accounts are paid on time. I also tried to opt out and they continued sending loan applications. I also have a complaint about the companies, XXXX and XXXX XXXX XXXX who I have been a long time consumer. XXXX offered me a credit limit of {$6000.00} dollars and I have tried to get a loan through them and they turn me down because of my income which is from XXXX. Even though I have struggled I am a responsible person and pay them every month. I had called XXXX XXXX XXXX late at night and got a man on the phone who was more than rude, yelling at me saying that I did n't provide any information and that was a lie, I told him my name, and everything he asked I answered it, he continued to yell at me until I asked for a Supervisor. He apologized for the person 's behavior. Whenever I apply for credit, these are a part of the reasons, Proportion of revolving balances to revolving credit is too high. Lack of recent information on installment accounts. ( I do n't even have a current loan ) I had one in the past with XXXX XXXX XXXX and they never reported the loan as payed off. Another was, too many inquiries in the last 12 months. ( I explained that to a customer service person at one of the credit bureaus, I believe it was XXXX that I have an XXXX and am getting help in XXXX Not sure if they believed that but it is the truth. I mentioned earlier that I wanted to opt out because I did n't want to be tempted to apply for any new credit and that was the reason why. I have been treated unfairly with no resolution.
Product: Student loan

My student loans are serviced by Mohela. I have been a federal employee for over ten years. After several months of no progress, my loans have been forgiven under the Public Service Loan Forgiveness Program. My balance is currently showing {$0.00} on both Mohela as well as StudentAid.gov. However, my credit reports are still showing that the loans have a non-zero balance. Mohela is saying that it will take ninety BUSINESS days to correct the amount on my credit report.
Product: Student loan

The loan servicer was contacted multiple times ( by phone and by email ) regarding how loan payments are applied. My son and I are co-borrowers on his student loan. On XX/XX/2019 at XXXX XXXX, I spoke with an employee at University Accounting Service , LLC . ( UAS ), requesting that any additional payment above the monthly due amount on the account be applied to principle. Upon requesting a confirmation number, the UAS employee told me that no confirmation number is generated for this type of request. The latest statement that we received regarding this account indicated that the XXXX payment, posted on XX/XX/2019, was all applied to interest. UAS was asked to correct the XXXX transaction and ensure future payments are applied correctly. Upon receiving a statement dated XX/XX/2019, I realized that payments were not applied correctly and contacted UAS again. Their reply on XX/XX/2019 was : Dear xxxx, Thank you for contacting University Accounting Service. 
Until the rest of the remaining balance of the interest is paid off, then the rest of the payments that you make, will be applied to the principal amount. As far as requesting that you make the loan a principal payment only loan, you would have to call in and request that to be done. 
If we can be of further assistance, please call our office at XXXX. Representatives are available weekdays from XXXX XXXX to XXXX XXXX CST. 
Sincerely, Borrower Relations University Accounting Service , LLC . 

So I contacted them yet again, requesting that this matter be corrected. Their second reply on XX/XX/2019 was : Dear xxxx, Thank you for contacting University Accounting Service. 
As of today you have {$1000.00} of capitalized interest that has accrued on this account. Due to this being a line of credit and not a loan, there is no way to make a payment that applies directly toward the principle without satisfying the outstanding interest that has capitalized into the balance. That interest is now apart of your total balance and that total balance is now what the daily interest is accruing on and what has to be paid. 
If we can be of further assistance, please call our office at XXXX. Representatives are available weekdays from XXXX XXXX to XXXX XXXX CST. 
Sincerely, Borrower Relations University Accounting Service , LLC . 

As of today, this matter is still not resolved as UAS is refusing to correctly apply payment made above the payment due amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to XXXX multiple times for multiple months via CERTIFIED MAIL regarding unauthorized inquiries. They advised me to file an FTC report which I did. It has been months and no responses nor removals.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the inaccurate report from my file. 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. This is the account that I marked as inaccurate XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts was never authorized to report on my credit report and is hurting me from obtaining any posable credit out there. Please see below the list of accounts reporting on my report that should not be reporting on my report : 1. Identity Theft LOANCARE LLC Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

3. Identity Theft XXXX  Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

4. Identity Theft XXXX/XXXX  Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

6. Identity Theft XXXX XXXX Date of inquiry :XX/XX/XXXXThis is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with Capital One Auto Finance and unfortunately couldnt afford to make payments after losing my job and therefore my XXXX XXXX XXXX was repossessed XX/XX/XXXX sadly. Capital One hired a repo company who illegally trespassed onto private property for one thing. Secondly, they received over XXXX for their principal balance from the auction but reported it as Charge Off as well as the remaining balance owed as XXXX which is also wrong because I have a settlement with them for a little under XXXX. I have filed a dispute on XXXX and have reached out to Capital One Auto to have them make the correct changes with my reporting so I can get my life back on track and start fresh with my credit reporting but they are intentionally trying to make me take UNNECESSARY lengthy steps for them to start the process. I have all the documentation showing proof of my claims which I got from my account on THEIR website yet them gave me only two options which are to fax the documents ( nobody uses a fax machine anymore ) or mail them their own documents which would take a longer time for them to start any sort of dispute process. I spoke to XXXX and was told that they shouldve updated their reporting on their own but I believe they are lying and stalling intentionally so they receive both the principle AND a tax write off at the same time. Its my fault that I fell behind on payments but what they are doing is wrong and illegal.
Product: Credit reporting

I have disputed the information on my report on several occasions. In XXXX, I filed a Chapter XXXX bankruptcy that was dismissed in XXXX. Some of my old student loans were included in that Chapter XXXX bankruptcy petition that was dismissed by the courts. Currently these loans are still listed on my credit file as adverse information that is still in bankruptcy and that is incorrect. As of XXXX, all of my student loans were consolidated with FED LOANS. I 've disputed this information several times with Experian as well as the other XXXX credit bureaus. Experian refuses to change the status of these student loans and continue to let these loans reflect as negative information when in fact they are not negative. These loans have always been deferred and have never received a late payment or been in default. Experian claims they are investigating these items, but it 's not possible for these items to be investigating these items and they continually are reporting these items inaccurate.
Product: Student loan

On or about XXXX XXXX, XXXX, I paid my student loan in full in the amount of {$2400.00}. By letter dated XXXX XXXX, XXXX, I was advised by XXXX XXXX / American Education Services : " Congratulations! This letter is to inform you that the loan ( s ) on the reverse side of this letter is paid in full? No further payments are required on this loan ( s ). '' Notwithstanding the above, on or about XXXX XXXX, XXXX, I received a voicemail from a representative of American Education Services indicating that there " was a problem with [ my ] account and that I should contact [ him ] as soon as possible. '' Despite my immediate return phone call and voicemail message, I did not receive any further correspondence until XXXX XXXX, at which time I received an invoice indicating that I now have a current balance on my account of {$6200.00}. Shockingly, no information was ever provided to me, and it is my understanding that - without my knowledge - interest was accumulating on this " closed '' account during this time period as well. It is my understanding that payments may have been misapplied by XXXX XXXX / AES, for which XXXX / AES now claims that I have the aforementioned balance on my account. Upon speaking with XXXX representatives of AES on XXXX XXXX, I was informed that " [ I ] was never sent a letter confirming my payoff of the above account '' and, to my disbelief, was advised that no mistake had even occurred. Upon speaking with a supervisor, I was informed that a mistake had in fact occurred, however, XXXX / AES had only discovered same XX/XX/XXXX - my investigation reveals that this information was not truthful or accurate. Despite my letter to AES of XXXX XXXX, XXXX, I still have never received any explanation of what transpired, any correspondence in this regard, or even the courtesy of an apology.
Product: Credit reporting

I have sent Equifax numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and they are not responding.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


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 reporting, credit repair services, or other personal consumer reports

Im submitting this complaint myself and theres no one or third party involved with this submission. I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 ). Additionally, I would like it to be noted that the data furnisher ( Discover Bank ) is violating my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ).
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/2024 - I received a notification from Coinbase followed by a call from a customer service representative that there was an unusual log in attempt on my account. The call was accompanied by numerous emails from the company which included their logo, address and one even providing a case number and the individual service representatives name. They provided instructions for me to only use Coinbase products- the Coinbase exchange app and the Coinbase wallet. Needless to say, the party on the other line stole {$15000.00} from me. Due to the prevalence on Coinbases logos and official communications as well as the exclusive use of coinbases products to perpetrate this scam, I wish to hold the company accountable. They have a duty of care to their customers to put safeguards in place to prevent this behavior.