23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 items information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is me and I give permission to continue this investigation TransUnion has violated the law on several occasions. With the following inquiries which appear on my consumer report ; which is, in violation of : 3. ) Violations of 15 U.S.C 1681a 2 ( i ) 4. ) Violations of 15 U.S.C 1681b 2 5 ) 15 U.S.C. 1681a 2 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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

Dear sir/madam On or about XX/XX/XXXX, right before the fraud transactions happened ( XXXX $ ) a series of fraudulent activity also occurred on multiple platforms. I had fraudulent activity on my credit cards ( XXXX  as well ), social media accounts, and my email login credentials were changed. ( I attached photos ) It wasnt immediately noticed that a large amount of money was removed from my savings account, as I rarely check that, thinking it was safe. The police were notified, and an identity theft report was filed. This has been a very stressful situation for me and the hardship it caused is unimaginable. 

TD Bank mailed me letters from the merchant that contains IP address login information, which is part proof of Authorization, from me. Whats bizarre about those, I was able to recover my emails and there was email sent From the merchant that also contains IP addresses, only one of the the 8 which matched the ones on the documents they sent to TD. They were all from different locations some relatively near and some far from my hometown, including Georgia, Pennsylvania, & Maryland. The information that the merchant is providing seems very in accurate and questionable. 

Ive contacted TD banks fraud department. They were able to recover 5 of the 12 unauthorized charges. After that Ive gotten no help. Ive asked for a written explanation from the bank multiple times so that I could prove My innocence.. Im not sure how Im being told some charges were unauthorized and refunded to me, but the others were authorized. Im not a scammer, and none of the charges were authorized by me. 

On XX/XX/18, I had {$5000.00} taken out on an IP address in Delaware. How is that me? I am attaching screenshots of the XXXX address along with its location.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Product: Debt or credit management

My name is XXXX XXXX. I have a problem with a collection agency called Jefferson capital system that is reporting I owe them a debt for XXXX dollars however, I have tried multiple times to have them send me the actual contract agreement that I signed that I owe a debt to them in that amount and they have not been able to provide that, I also mention to remove it from all 3 credit bureaus since they cant provide that contract and no success as a active member of the military I feel this wrong and I need it fixed please hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have spent hours on the phones trying to resolve this issue. I called week after week to clear my reports my name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers nor open any of these accounts. I ask that the items be deleted to correct my credit report I have to find new housing as soon as possible. I need this issue cleared I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX is not the original lender, I completed purchase through XXXX, they usually offer biweekly payments with no interest. The original lender is XXXXXXXX XXXX based on documents I found. Loan was processed XX/XX/XXXX, meaning first due date around XX/XX/XXXX. I made final payments XX/XX/XXXX and XX/XX/XXXX with a XXXX  debit card since my bank returned payment due to my direct deposit date and XXXX did not attempt to rerun like other creditors. However, even if I paid my final payments XX/XX/XXXX and XX/XX/XXXX. That is still technically less than 30 days late. XXXX is reporting me 30-60 days late on Experian and will not update info.
Product: Mortgage

Parkside lending reported my tradeline as 30 days late in XX/XX/2019 ; however ; Parkside Lending did not service my loan, as I refinanced with Parkside Lending and they sold the loan on XX/XX/2019 to XXXX XXXX XXXX. 

In my welcome letter, I was instructed to send all payments to XXXX starting with my XX/XX/2019 payment. 

I have provided evidence : bank statements, mortgage statement, & welcome letter, that I made all of my payments to XXXX including the XX/XX/2019 payment that is in question. 

I have disputed this 3 times with XXXX with no luck whatsoever! I have also called Parkside Lending and they refuse to help as well. 

I have attached documentation that proves my loan was sold XXXX and I never was late in making a payment to Parkside Lending. 

Soto Credit Report XXXX XXXX XXXX XXXX XXXX opened XX/XX/2019 XXXX XXXX Statements Payments to XXXX XXXX, XXXX, XXXX XXXX Statements/Transactions Payment Details XXXX XXXX XXXX, XXXX
Product: Debt collection

I sent this company a letter asking for their license stating that they are licensed in my state to collect. I asked for them to send me a calculation to prove the amount that they state is the correct amount of {$110.00}. I asked for them to send me a copy of their assignment to the debt they claim I owe.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I saw addresses on there that are not correct. I looked up your website, I have enclosed proof of my current address that you require. 

The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way. I have enclosed my ID as proof of the correct spelling. 

Here is a list of the incorrect addresses, please remove them : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

TransUnion is reporting inaccurate and incomplete information in my credit report. The following information do not belong to me : XXXX. XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX
Product: Checking or savings account

I had saw in my checking account that {$3300.00} was transferred from my primary bank ( first National ) to a bank I dont have an account open for ( XXXX XXXX  ). This was done on XX/XX/XXXX. I went ahead and contacted first national and filed a complaint directly through them. Im currently ( XX/XX/XXXX ) waiting for the paper work from them to complete the complaint process. This is also the second time in two months that unauthorized payments have been taken directly from account. Im not sure if my identity has been compromised.
Product: Debt collection

XXXX XXXX XXXX this XXXX XXXX XXXX XXXX debt ( I don't know if it's for the credit card or personal loan, but those were also included in my XXXX filing. I filed for XXXX Bankruptcy on XX/XX/XXXX and XXXX XXXX XXXX was included in that filing. I no longer owe this debt. I asked my Bankruptcy Law Firm today, XX/XX/XXXX to send a " Cease and Desist '' Letter to XXXX XXXX XXXX. The amount of the debt is {$16000.00}. I don't recognize the last XXXX digits of the account listed on the credit report given. This could be my credit card or personal loan, that I no longer owe due to filing this Credit Card in the bankruptcy. This Debt Collection should not even exist and they need to " Cease & Desist '' the debt collection attempt for a debt I no loner owe due to XXXX Bankruptcy that was filed on XX/XX/XXXX, and XXXX XXXX XXXX XXXX ( all accounts ) were included in the filing and even the debt collector XXXX XXXX XXXX. Any further collection is tied to that filing. This debt collection needs to stop and dropped from the open collections portion of my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct. # XXXX, XXXX XXXX XXXX acct. # XXXX, XXXX XXXX XXXX acct. # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX credit, XXXX XXXX XXXX has violated my rights . Several of these account were deleted and fraudulently added back to back account after being deleted. 

15 U.S.C 1681 Section 602 A. States I have a 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 with out my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Transunion XXXX separate certified letters on XX/XX/2021 and XX/XX/2021 that were signed for and received on XX/XX/2021 and XX/XX/2021 ( and I have proof ) regarding the negative and incorrect reporting of a {$2400.00} charge off on my credit report regarding an account from XXXX XXXX. In my second dispute letter I let them know they failed to comply with the law and they must now remove the item from my credit report, yet it is still being reported. They have failed to respond both times within XXXX days and failed to provide me with copies of any documentation associated with this account, bearing my signature which is a violation of federal law. Therefor they were supposed to immediately delete that information off my credit report. I clearly also stated I did not consent to XXXX or any other automated means of verification. Attached you will find proof of both of my letters sent via certified mail and proof of being signed for via certified mail receipt.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX listed an account on my credit that is not mine. I do not own this vehicle never owned this vehicle I have no affiliation with this vehicle. On numerous occasions betweenXX/XX/XXXX-to present day I have informed them of this mistake and repeatedly they ignored me and furnished no proof of me acquiring this debt.
Product: Student loan

I attended The XXXXXXXX XXXX XXXXXXXX from XXXX. Myself and Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit schools such as the one I attended. As a matter of fact, The XXXX XXXX XXXX XXXX was investigated by the federal government. They have been sued by the government a number of times. Recently the over {$6.00} XXXX in federal student loans were cancelled for people who attended the XXXX XXXX schools. 
Because of the numerous claims of fraud and misconduct perpetrated by these for profit schools, such as The XXXX XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against The XXXX XXXX XXXX XXXX, and my Fed. loans of {$81000.00} were discharged and my credit repaired. 
My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

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

I want reported account to be removed XXXX  XXXX XXXX and XXXX XXXX XXXX and
Product: Checking or savings account

On XX/XX/XXXX, Citibank put a block on my account for no reason at all. I called XXXX  times asking why there was a block on my account. The fraud department hung up on me each time and did not give me any reason as to why. At the same time that was my money which left me stranded in another state.
Product: Checking or savings account

I made a new checking account with Wells Fargo and was supposed to receive a {$400.00} bonus if I deposited {$4000.00} or more within 3 months of opening new account. I should have received it weeks ago and after multiple calls I have still not gotten it. 

- XX/XX/2020 New checking account created. I received an email from Wells Fargo with the eligibility requirements and what I need to do to receive the bonus. 
- XX/XX/2020 I receive a direct deposit of over {$4000.00}, meeting the bonus requirement within 3 months of opening the account. 
- XX/XX/2020 I call Wells Fargo telling them I still haven't gotten my bonus. The person on the phone says that I will receive it within 30 days after I have met the requirements. 
- XX/XX/2020 31 days since I have met the requirements for the bonus. I call Wells Fargo again and tell them I still haven't gotten my bonus. The person on the phone says to wait 10 more  days. 
- XX/XX/2020 I call Wells Fargo again. Told to wait more. 
- XX/XX/2020 I call Wells Fargo again. I am told that she has filed a " report '' to investigate my situation. I am told to call again in 10 more days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX and its Account Managers several times, I have sent a cease and desist letter and although I paid this account off XX/XX/19 it still is reporting monthly as 60 days late with a {$610.00} balance to XXXX, Experian and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get TransUnion, XXXX  and XXXX  to fix my credit report for almost a year. They have items on my report that go back to XX/XX/XXXX every time I dispute anything they temporarily freeze my account while they are investigating, I have accounts that were closed past the Florida limitations limit but they still are reporting it, I paid and closed accounts in XX/XX/XXXX and opened another dispute because they were still on my report when XXXX  XXXX updated my score it dropped 69 points. In fact every time a pay anything down my credit score drops they take items disputed off then add them back on the next month I would like them to remove all paid accounts they also have two XXXX XXXX XXXX listings but its the same account its been duplicated I have asked that the closed duplicated one be removed but it remains on my report, XXXX  on the other hand has info that is not mine so when I try to answer the question they must have the other persons info and I get kicked out so I can not even order that report
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I received a letter from Nelnet stating my student loan was delinquent back in XX/XX/2021. I called Nelnet to figure out what was going on because Student Loans were on deferment due to the XXXX XXXX. I requested a forbearance for XXXX days while I wait for the paper work to place the loan back in deferment. While waiting on the paper work, my account was reported to the Credit Bureaus as delinquent XXXX days past due. I called Nelnet to see how this could happen when I requested the forbearance for XXXX days and was waiting on the Income Repayment Plan paper work. No explanation given and knocked my XXXX XXXX down XXXX points with each credit reporting agency. Talk to a rep at Nelnet to see why the Student Loans were excluded from deferment when it's not a private loan and why it was reporting delinquent during the Pandemic. Got nothing resolved with Nelnet. Disputed this delinquent status with all three bureaus and it still remains on my credit report as delinquent.
Product: Debt collection

My concern pertains to the account in question, which is erroneously listed as a late payment account. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. XXXX XXXX XXXXXXXX. I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Credit reporting or other personal consumer reports

I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report.

The accounts in question are as follows : Creditor Name : XXXX XXXX  Account Number : XXXX Reported Late Payment Date : XX/XX/year> XXXX