23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I filed for Loan Forgiveness in connection to the Debt Relief for XXXX XXXX Students and I am filing this compliant against Genesis Lending in connection to that filing and in connection to the CFPB Complaint Case No. XXXX. 

I attended XXXX XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. During my tenure at the school, I was required to " apply '' for new loans each quarter semester and several times, the financial counselors informed me that I was not eligible, in full or in partial, for Federal Assistance and that I would be required to take out a Genesis Loan to cover the costs. In the CFPB Complaint Case, it is noted that XXXX, rather than reduce tuition to eliminate the shortfall " funding gap '', I was preyed upon to take out Genesis loans that XXXX XXXX had a financial interest in. 

In my application for Loan Forgiveness, a copy of which is being provided, I was not provided adequate career services or opportunities. The job that I obtained to complete my externship was unpaid and resulted me being hired as a XXXX XXXX, not a XXXX, for which the degree I obtained. The salary for this position was less than what I was earning at my prior office job before the economical crisis. The salary for this position was not sufficient to cover living costs and to pay my school loans. I was able to pay my Genesis Loan ( s ) in full post graduation but at times, I have not been able to pay my Federal Loans and have had to put my loans on forbearance. 

It is my position that XXXX XXXX deceived me and unfairly induced me, as student, to incur additional and significant debt in the thousands ( of dollars ), via obtaining loans from Genesis Lending, to graduate from a institute that could not prepare or provide me the adequate tools to obtain and secure a job that would support myself and my family, and to pay my student debt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with [ XXXX XXXX XXXX ] Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXX XXXX XXXX ] despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my [ XXXXXXXX XXXX XXXX  ] account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my credit score and jeopardized my financial well-being.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and [ XXXX XXXX XXXX  ]. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, partially in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate the claims adequately. They informed me that recovering lost funds was impossible and that tracking those transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and radiates concerns regarding consumer safety.
Product: Credit card or prepaid card

Key Bamk has not returned {$450.00} in 6 months.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XX/XX/XXXXAccount number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXX/XX/XXXXXXXX Account number : XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXL XXXX XX/XX/XXXX
Product: Debt collection

Pursuant to 1692b ( 5 ) and 1692f ( 8 ) Aspire sent me a statement with their symbol on the envelope and inside the content. The content in the letter did not state that it was an attempt to collect a debt.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX {$1200.00} These collections are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a part of the Equifax breach three months ago.
I was not notified for three months, and I have not been informed about exactly WHAT information was compromised.
I am deeply disturbed not only be the fact that they allowed this breach to take place but that they waited three months to notify impacted individuals about the breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two collection accounts from XXXX and XXXX XXXX XXXX. XXXX has confirmed my account with them is in good standing and I have never used XXXX XXXX XXXX for anything. There is also a Minnesota address on my credit report, but I have never lived there or even been there in 20 years. Neither XXXX  nor Equifax will rwmove this fraudulent information.
Product: Debt collection

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : An unathorized credit freeze imposed by a CRA called SageStream , LLC I had never had any contact with, has been preventing me from obtaining credit I am well qualified for. SageStream has been completely unresponsive so far. 

On XX/XX/2020, after doing some significant, extended research, I submitted an online application to accept a mailed personalized offer of a no-fee, fixed-rate personal loan from XXXX by XXXX XXXX XXXX " XXXX '' ). 

The application could not be approved, for the following stated reason : " Credit freeze on bureau, unable to verify credit history '' I have since discovered that XXXX was able to obtain my credit report from XXXX, but not from SageStream , LLC ( " SageStream '' ). 

As a result, XXXX has been unable to even consider / start processing my loan application to date. 

Until XX/XX/XXXX, I had never contacted or been contacted by SageStream for any reason, nor had been aware of its existence. 

Since XX/XX/XXXX, SageStream has ignored my brief, to the point, specific messages, left at its falsely self-described " call-back '' voice mail box XXXX. 

Its industry peers routinely verify identity on the phone and process such basic requests in real time, without any document harvesting or phantom call-back promises.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Checking or savings account

On XX/XX/XXXX I went to an ATM to withdraw {$500.00}, the ATM only had a pet transaction limit of {$400.00} so I withdrew {$400.00} and then {$100.00} the next day on XX/XX/XXXX at XXXX am I received notifications of the same transaction done at a different completely unknown location.The XXXX went through but due to insufficient funds the XXXX was not duplicated and was declined. Immediately I called to make the case and changed my card. The request was denied because it was an ATM transaction. I called again the next day and was told that the bank in question which is Chime had system issues that caused the trouble. Upon talking to them I was told that the case is more than likely going to get denied because I made the claim before the company knew of the issue and since the original one was denied chances are the rest will be denied too. It was a known system issue and now the bank still has the {$400.00}. Not only that but until I get the new card Im completely locked out of using my account. This is a huge issue to me personally as I was keeping those funds to help pay off a debt and when the money was to be withdrew it was not available and now Im at risk of losing a settlement. The worst thing is the bank shows no willingness to fix an issue which cause them to steal {$400.00} from a customers account.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX have 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 XXXX, 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 XXXX, transunion, and XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

Carrington mortgage provided a letter stating my presidentially declared major disaster forebearance was voluntary cancelled. This information is not true. I never voluntarily cancelled my forebearance.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I am not a third party company I am sending this complaint without assistance from any one.

I noticed that these accounts reporting on my credit file listed below have been reporting as charged off on my credit report bring my credit down. 
This account was discharged and I am not responsible for the debt.

The credit bureaus are repeatedly reporting on this debt and has marked it as charge off then marked it as paid charge off.

I am requesting that these account below be removed from my credit file. 
I never applied for a loan or signed for any loan I have not attended high school or college. 
I received a letter over XXXX  years ago stating that the loans have been canceled I am on social security. and I am not working I am XXXX. 
I keep getting denied for housing because of these accounts and the unfair reporting of these accounts. 

XXXX US DEPT OF ED/XXXX  ending in XXXX XXXXUS DEPARTMENT OF EDU ending in XXXX XXXX US DEPARTMENT OF EDU ending in XXXX
Product: Checking or savings account

I had an authorized transactions I didn't have my pin with my card I lost my money was spent all my card chime Bank refuse to reimburse the money
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
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 XXXX XXXX XXXX  INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

My 2017 XXXX XXXX XXXX has XXXX  miles I can’t drive it since the front wheel came off at 70 mph on XXXX in XXXX SC on XX/XX/2018 It was towed to XXXX  XXXX in XXXX  SC no one would help me because I’m a XXXX? I rented a car to get to a motel rest and go XXXX  to XXXX  FL. Warranty Coverage was denied because the service man said he never saw four lug nuts snap off like they did he said you probably took it to XXXX. The vehicle has only been service by the authorized XXXX  dealership I leased it from a another Authorzed XXXX Dealership in XXXXFL. XXXX the service man wouldn’t budge so I gave him $XXXX to order a new wheel and four lug nuts.Thank front tire had a slow leak repaired in XX/XX/2018 when the pass.side strut was replaced, that dealership denied they repaired a leak that day and had been called by XXXX at XXXX XXXX. For about $2000 including a rental car I wasn’t going to get upset or fight with very rude employees at a bad time. I paid to car hauler $XXXX to tow the car to my FL home where it’s sitting in my driveway because it’s unsafe to drive after sitting 2 months inXXXX SC
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, please be sure that they address my complaint, and please don't close the case simply because they claim they resolved the issue- they didn't. 

I have been trying to log into Transunion for weeks and am unable to. Transunion does NOT recognize my name & SS # any more. ( Note that this is different from my first complaint ). Not when I try to log in to recover my account, and not when I try to create a new account ( as Transunion claims that it may be closed due to inactivity ). 

I followed the link Transunion provided in their response ( https : //membership.trueidentity.com/tucm/login.page ), and again... I entered my SS # twice and my last name. And when I click on " continue to next step '' Transunion simply takes me back to the previous page to enter my information. Yes I checked and double checked that I entered the information correctly- I did this numerous times. It will not accept my information and will not allow me to proceed. 

WHY DOESN'T TRANSUNION RECOGNIZE MY NAME & SS #???
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 



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

I have been so patient with TransUnion but it seems they are just neglecting my request of removing the items I asked them to do. Some items were not related to me and some of the furnishers were not authorized. I would like them to be removed immediately if no proof is provided. 
Incorrect addresses : XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00}
Product: Debt collection

I receive the daily notification from the USPS on mail that is supposed to be delivered to me. Due to a domestic dispute, my mail is regularily tampered with. I saw an address that stated : Return Mail only and XXXX XXXX  XXXX, XXXX MI XXXX. I did not have any idea who this was so I looked it up on line. It was listed as Diversified Consultants. I do not know who they are. I saw they are a debt collector. So out of fear that the domestic dispute was leading to collections I was unaware of, I contacted the company. I told the first rep my story and that I wanted to update my address, he transfered me. The second guy I spoke to was so unprofessional. I told him that due to the domesctic dispute I wouldnt be able to receive the mail and I wanted to update my address and have the letter resent to me. He countered with " You are disputing this? '' I repeated that I wanted to update my address so I could see what was in the letter. I had to do this 3 times. He then told me it was something from XXXX. I said how is that possible as I have had service with them since 2004. He responded with " So you are saying you have never had XXXX? '' I seriously lost my mind at this point. I said you are harassing me and saying the opposite of everything I say. I want my address updated and the debt you claim I owe to be validated and I will then respond. He stated they will only send a collections letter. I know this is a false statement. When I asked for that he needed to provide validation of any debt I owed, I talked to my attorney about that and I know I am right. I updated my address. Then the rep stated the same things again stating I was disputing the debt and claied I didnt have any XXXX service ever. I again told him you are 100 % wrong in these statements. That I was calling to update my address to see what you are sending and that I have had XXXX and the same number since 2004. As if that wasnt bad enough he started saying that he was going to call XXXX and have my phone line shut off for fraud as I claim I never had XXXX. I lost it! He has no right to affect my cell phone or my service with XXXX especially under these conditions. He then threatened to tell XXXX I was refusing help. I said help for what? I have nothing to base that on. He was way out of line. According to my attorney, there are 5 major FDCPA violations here. I have the call recorded as AZ is a one party recording state so all of my statements are verifiale in that call recording.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXXder 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Debt collection

According to the FCRA XXXX  account # XXXXhas violated my rights. 

FCRA section 605 B. It is illegal to report information on my credit report without my permission.