23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, Im having issues with FedLoan and XXXX. My loans are paid in full and I made payments from XX/XX/XXXX- XX/XX/XXXX, Im eligible for a refund under CARES Act. I requested a refund on XX/XX/XXXX with FedLoan. I followed up in XXXX and same story, its processing and can take anywhere from 2 weeks to 2 months. Sometime in XXXX I found out my loans were transferred to XXXX. FedLoan resubmitted refund request. Its now XXXX and XXXX has yet to receive my account info from FedLoan. This is very frustrating. Loan providers go to the extreme when requesting payment, but when it comes to a refund, they find every excuse on why its taking so long. Please handle.
Product: Credit reporting or other personal consumer reports

I've come across an error on my credit report involving an account that either isn't mine or contains incorrect information. This mistake is harming my credit score, and I'd like it corrected.
Product: Credit reporting or other personal consumer reports

I requested a copy of my annual credit report for Transunion on XX/XX/XXXX. I noticed that Transunion is still in violation of my lawful consumer rights by furnishing an unsolicited bankruptcy on my consumer report. I have been asking them to rectify this violation for 2 years now. I have attached the certified mail that was signed for in XX/XX/XXXX when I first requested this unlawful information to be removed from my consumer report. This has been 2 years of ongoing civil rights violations on Transunion 's part. 

As pursuant to 15 U.S.C. 1681b, Transunion must, by law, remove any such information on my credit report that has no permissible purpose. As this furnishing was not initiated by me and has not resulted in any firm offer of credit or insurance, Transunion has not proven any permissible purpose for which they can or should lawfully have this information furnished on my consumer report. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. ( 1 ) In general. A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e )
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX was submitted to the CFPB on XX/XX/XXXX. It is understood the Fair Credit Reporting Act XXXX FCRA XXXX requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. 

TransUnion response XX/XX/XXXX to XXXX in part was : We will follow-up with you within sixty 60 days Upon phoning XXXX XX/XX/XXXXXX/XX/XXXX employee # XXXX confirmed the existence of verified records provided by XXXX but refused provision of these business records relating to transactions and accounts. Attached is USPS ( not emailed as repeatedly requested ), received XX/XX/XXXX TransUnions 5 page XX/XX/XXXX, same day response, again concealing from me and CFPB copies of applications and other business records relating to transactions and accounts. TransUnion has been repeatedly, in writing, requested for 187 days to provide applications and all other business records relating to fraudulent XX/XX/XXXX # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX transactions and accounts. 

On XX/XX/XXXX page 4 TransUnion clearly acknowledges the disputed item was verified as accurate TransUnion is an eager accomplice to Nissans fraud. As I never had the vehicle, never register the vehicle to surrender, TransUnion, to avoid additional damages, please email XXXX all business records justifying your fraud participation : Disp Invg Comp-Rpt by Grntr : Payment Deferred : Voluntary Surrender. 

Please ASAP provide all documents/records by return email to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXXhas 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching to your company, in hopes to have these closed accounts removed from my credit report. I was not knowledgeable about credit scores and reports in the past, and now that I am more aware I see that these accounts are affecting my credit score negatively. I am hoping to move forward and build credit starting with removing these closed accounts please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. 

In accordance with the Fair Credit Reporting act. The following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These names have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX continues to harass myself and my family, causing undue emotional and mental damage despite numerous pleas to stop sending information and calling. 

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. 

XXXX XXXX XXXX XXXX XXXX - I do not recognize this debt and they continue to harass me every day. This is also not reported correctly because it's reasonable to believe that the spelling is inaccurate All of these collections are hampering my ability to obtain credit to start a business and help my family. I have been in XXXX  for over a year now because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite 3 written request, the unverified items listed below still remain on my credit report In the results of their first investigation and subsequent reinvestigation, they stated in writing that these items were " verified '' and " reported correctly '' They are required under the FCRA to have a copy of the original creditors documentation on file to verify this information is mine and correct. They refuse to give me any documentation to show my signature on any contract as it is required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

I have contacted the bureau on multiple occasions with receipt certifications that they have received my letter and concern. Now, I demand the following accounts be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( I RECENTLY RECEIVED A LETTER ASKING FOR ME TO VERIFY MY PREVIOUS ADDRESS AND SOCIAL SECURITY NUMBER FROM THIS COMPANY )
Product: Checking or savings account

After reviewing my account and transactions, I detected well over {$600.00} dlls in fees applied to my account from XX/XX/XXXX to XX/XX/XXXX. I do bank with another institution and have never encountered such fees. When opening my Checking account with Chase, I was not quite informed of additional non-chase atm transaction fees of {$5.00} as well as other fees associated with it. 

Just analyzing all fees associated to my account from XXXX XXXX XXXX XXXX it totals about {$650.00} in fees. 

This is alot of money to have to pay in fees in less than one year. Most recently I also found out that I have become a victim of identity theft and filed a police report as of XX/XX/XXXX.
Product: Bank account or service

I wanted to ask what happen with the XXXX is a issue that was happening at Citibank, when I came on board to the XXXX branch in XXXX Florida and while doing monthly audits I discovered numerous accounts opened without client authorization. 

I brought this to the attention of my current supervisor at the time alongside upper management and loss prevention an investigation was done to be done however since I brought forward those claims that showed numerous employees practicing unethical practices, I was considered a whistle blower and that 's when the retaliation alongside discriminatory behavior started against me until I was fired without merit. 

Is there a legal case against them?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, De Lage Landen accessed my consumer credit profile. On XX/XX/XXXX, a certified letter was sent to De Lage Landen notifying them of the unauthorized request, as this constituted a violation of my rights under the Fair Credit Reporting Act 604 ( 15 USC 1681b ), as well as a violation of my rights to privacy. I requested De Lage Landen to investigate and furnish the names, business addresses and phone numbers of those who initiated this unauthorized credit inquiry, as well as furnish a copy of the source document signed on my behalf so that I may verify its validity. De Lage Landen was advised if they found I was not the one who authorized this inquiry, I that it be removed immediately from my credit file, and to forward me documentation that the unauthorized inquiry was removed. If they found that I am in error, please send me proof of this. Finally, I requested an updated copy of my credit report, which should be sent to the address listed. De Lage Landen has failed to respond to my request.
Product: Credit reporting

HI MY NAME IS XXXX XXXX XXXX AND I WAS JUST ONLINE CHECKING MY CREDIT REPORT OUT AND I NOTICED THAT SOMEONE WAS USING A NAME OF XXXX XXXX I NEVER USED THAT NAME AND IN THE FUTURE ONLY ACCEPT THE NAME OF XXXX XXXX XXXX S.S # XXXX
Product: Credit card

Citi failed to send me a bill for two months. I had a XXXX balance on the account. I made a payment on XXXX and was told that they would only be able to credit one late fee and that I had a remaining balance of XXXX late fee. I received an paper bill with another late fee of XXXX. The manager said that the email was not returned to them and could not credit the late fee. I was told that the last fee applied on XXXX was for the month of XXXX.
Product: Credit reporting or other personal consumer reports

Issue : Failure to properly investigate credit report errors and misrepresentation of account status by Experian. 

Company : Experian Complaint Description : I am writing to file a formal complaint against Experian for failing to properly investigate my credit report errors and allowing the re-addition of deleted items, re-aging of an account, and continuous balance increases on a charged-off account. These actions have significantly harmed my credit score, my character, and my ability to acquire credit or housing. 

This issue has been ongoing, but as of recently, the issues began when I noticed that deleted items were improperly re-added to my credit report, despite previous resolutions showing they should have been removed. Additionally, I have an account that has been re-agedthis account was charged off and closed, yet it continues to show balance increases and opens and closes repeatedly, creating confusion and damaging my credit standing. 

I have made repeated attempts to resolve these issues by contacting Experian, but despite this, the problems persist. I am particularly concerned that Experian 's failure to properly investigate these discrepancies is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and a direct result of the type of " sham investigations '' detailed in recent reports ( such as the Consumer Financial Protection Bureau 's legal action against Experian ). The failure to correct these inaccuracies has significantly tarnished my credit, negatively affecting my financial well-being and defaming my character. 

Accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXK Supporting Documents : copies of any relevant documents, such as correspondence with Experian, previous investigations, credit reports showing the errors, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FOURSIGHT CAPITAL LLC Inquiry : 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: Vehicle loan or lease

I received a loan through XXXX XXXX XXXX when I purchased a vehicle from XXXX. The loan is predatory and I was not aware. I have been paying on this car for almost 6 years and it was totaled on XX/XX/2023. The original cost of the car was {$15000.00}. I have paid around {$27000.00} and when my insurance company got the pay off quote they were told {$15000.00} is still owed and when I called them they said it was due to late payments. This company was supposed to factor COVID-19 into this and did not disclose how Intrest is accrued. They have not sent my original loan agreement to justify this. Theyve threaten to take the vehicle multiple times and took it one time while I was in between jobs because it was 70 days late.
Product: Mortgage

I contacted XXXX in an application for loan modification. Iwas supplied with inaccurate telephone numbers, wrong address, and apoint of contact person who had no idea how I received their telephonenumber. In my case, I feel that these hurdles were placed to discourageme from trying to receive assistance with my mortgage. Their motto is, '' We 're here to help. '' I am still trying to work with my Lender and Servicer toreview my application for a FHA Short Refinance Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the recent collection notice I received from XXXX XXXX XXXX regarding a debt that THEY claim I owe. I am aware of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 ), and I believe that your collection efforts are in violation of this law.

As per the FDCPA, it is illegal for debt collectors to use abusive, deceptive, or unfair practices when attempting to collect a debt. I strongly believe that your agency has violated this law by engaging in the following practices : THEY DO NOT HAVE THE RIGHT TO COLLECT IN THE STATE OF GEORGIA THEREFORE THEY SHOULD NOT BE REPORTING ANYTHING ONO MY CREDIT REPORT THEY ARE NOT ON AMY OTHER RPEORT OTHER THSAXXXX XXXX AND XXXX REFUSES TO REMOVE THE ACCOUNT In light of these violations, I demand that your agency immediately remove this collection from my credit report and cease any further collection efforts related to this debt. I also request that you provide me with written confirmation that you have taken these actions within 30 days of receiving this letter. 

Please note that I am prepared to take legal action if necessary to protect my rights as a consumer under the FDCPA. I urge you to take immediate action to remedy this situation and avoid any further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report, I noticed a fraudulent medical account on my profile. This is causing me distress as i am a XXXX XXXX XXXX veteran. My income is limited and this is in the way of me getting improved for anything. I have my healthcare paid for by the government and this is NOT MINE. Please remove the medical account number " XXXX '' from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, i'm not sure what's going on, but it's been more than 90 days and the company and credit bureaus/reporting agencies failed to send me the results for the investigation. The student loan still reports incomplete, and unverifiable information. There are so many inconsistencies getting reported between the 3 credit reporting agencies. I don't want to waste my time or anyone else time. I need this removed from my credit report. Please delete!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago my office was broken into and my identity documents were stolen, resulting in identity theft. I filed a police report and have attached the report to this complaint.

I ordered a copy of my credit report with Factor Trust and found a lot of things that are due to the identity theft that need to be removed. I am disputing all the information below : Addresses : XX/XX/XXXXXXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  XXXX, TX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX   {$5700.00} XX/XX/XXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX  {$2200.00} XX/XX/XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX   XXXX  {$3500.00} XX/XX/XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX {$4800.00} XXXX  I have never done business with any of the companies listed below. Any reporting that I have is due to identity theft.

Loan by XXXX XXXXXXXX XXXX   into XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  TX XXXX I have disputed all of the information that was incorrect in my XXXX  report and XXXX has removed it. My XXXX  profile needs to be updated in your system as it is all wrong.
Product: Checking or savings account

We were victims of identity theft. XXXX XXXX of our savings accounts were drained from someone adding an external account in my name and connecting them to our USAA savings accounts. On XXXX XX/XX/XXXX, we noticed a withdrawal of XXXX which was all we had in our savings. I notified the bank on XXXX XX/XX/XXXX that someone withdrew our XXXX. During the dates of XXXX XX/XX/XXXX someone made multiple deposits and withdrawals totaling a deficit of XXXX in one account and XXXX in the other. In total including the XXXX which was in our savings, we incurred a total loss of XXXX. I am not certain why USAA did not freeze the accounts like they froze us out of our accounts. Worst of all, USAA is holding me couplable. They have frozen our accounts to include our checking account which has all my direct deposits from my military pension, XXXX and civilian employment. Subsequently, we were forced to open a bank account outside of USAA. As a result, changes in our direct deposits will not take effect until the month of XXXX which will result in late payments for all of XXXX 's bills.
Product: Debt collection

Portfolio Recovery called this phone number this morning, a number they only have because my company used to be owned by them, asking for me under an old name. I asked if she was calling from PRA and she refused to answer me, kept asking if i was XXXX ( my old name from years ago ), I told them in the past not to call this line, when i told her this she continued to ask if i was XXXX, disregarded what i said- i repeated " you are NOT allowed to call this number ''. She found the number in the employee directory ( PRA has yet to remove our information from their own database even though they sold this company 18  months ago )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Debt collection

SEE ATTACHED I HAVE RECENTLY REVIEWED MY CREDIT REPORT AND FOUND SOME DEBT COLLECTIONS I AM UNAWARE OF AND DEBT COLLECTOR TRYING TO COLLECT A DEBT BY CONTACTING ME THROUGH EMAIL.
Product: Credit reporting or other personal consumer reports

I dont know about these accounts. Im a victim under law FCRA SECTION 605c. I demand fairness and accurate removal of these accounts Ive already provided substantial proof that requires deletion of these items.
Product: Credit reporting or other personal consumer reports

I called XXXX  XXXX XXXX because I was not able to open a Bank account on my behalf. I ordered XXXX XXXX and t showing I owed money on this financial institution. I reported them that my bank debited the money on my checking account when I was in the XXXX and that I don't received. 
I was in the XXXX that day and I went to atm machine to withdraw money and it happened nothing dispense on the ATM,. I reported it to the XXXX  in the XXXX and showed that my bank was debited and I never received the money thru ATm. The manager created a report they said it would takes a couple of months. So I disputed it to XXXX  XXXX XXXX and this is what happened they closed my account and telling me I owe the money that I never received. I am suffering now I can not open any bank account.