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

On XX/XX/XXXX, I submitted disputes to XXXX, Experian and XXXX   regarding inaccurate negative information in my credit reports.These companies chose to disregard the fact that I am not responsible for these negative assessments, despite the fact I included copies of my divorce decree from XX/XX/XXXX that specifies clearly my ex-husband alone is responsible. The negative information relates to XXXX XXXX bank, formerly known as XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$8000.00} and XXXX with a balance of {$20000.00}. Under the terms of the marriage dissolution, XXXX XXXX alone is responsible for the obligations. He has defaulted and this has negatively and unfairly been applied to my credit history. Furthermore, I have nothing to do with XXXX XXXX 's XXXX XXXX account, yet, this is also in my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  acct # XXXX {$530.00} reporting as open account and collection account, XXXX XXXX XXXX, acct # XXXX {$750.00} reporting as open and collections account. XXXX XXXX XXXX  acct # XXXX {$470.00}, XXXX XXXX XXXX acct # XXXX $ XXXX acct XXXX XXXX {$500.00}, XXXX XXXX XXXX acct XXXX XXXX {$470.00}, reporting as open and collection account., XXXX XXXX XXXX  acct # XXXX {$390.00}, According to law 15 US Code 1681-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in 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 30- day period beginning on the which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

These public records were not reported to the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question.

I have sent NUMEROUS letters to the bureaus requesting their removal with provided documentation.

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. I request that this information be blocked and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Experian of this and it is Experian who should make these changes by removing the inquiries. 

XXXX XXXX XXXX Inquiry Date XX/XX/2020 Finance Reseller EXPERIAN BUSINESS CRED Inquiry Date XX/XX/2020 Credit Bureaus
Product: Credit card or prepaid card

Bought a new TV and never activated XXXXXXXX XXXX XXXX .When trying to activate it on my new TV it gave me a code to sign on with my computer or mobile phone. I choose using my mobile phone. It said i was having trouble signing on with code and gave me a number to call. Thinking that this was a secure server that XXXX had in their network i called the number. The person who answered said that he was with XXXX XXXX department and somebody in Ohio was using my account. So in order to make sure my account was not being used he needed to go through a verification process to confirm my identity. He said that we were going to do some dummy charges to my card and that it wouldnt be charged to my account. Also if they were XXXX would be held responsible for it. After several verifications he said that the process wasnt finish yet. So i began to get cautious and started snapping pictures of the charges and watching my accunt on my laptop. When i seen my account getting to be less than what it was i required him to put my account back to what it was or i wanted to speak to a supervisor. That when credited my account back with XXXX $ and XXXX  $ with the XXXX logo that said refund and cancellation and with chime when money is credited back to your account it credited in green. He re credited my account back so i was thinking it had to be someone with XXXX.
Product: Student loan

I spoke Mohela XX/XX/2023 in regards to my new XXXX payments being recalculated as too high. They allowed me self certify over the phone, I even had an amount of ~ {$900.00} which was close to my original loan payment - and then they said in 5 business days my account will be updated to reflect that. 

I logged in and payments were around {$300.00} ( not {$900.00} that Mohela had determined on our previous call ). I have 13 loans and only 3 of the 13 are in repayment status. I am not sure why the other 10 are placed in forbearance. I do not want them to be in forbearance status as I am enrolled in PSLF and do not want to miss a month for repaying. 

Not to mention I called their customer service with over XXXX minute wait time. This is not fair that we are getting penalized due to the inadequacies at Mohela. I need my account to reflect repayment status.
Product: Debt collection

When a collection agency acquires your debt, you are typically notified by phone or in writing. 
According to the Fair Debt Collection Practices Act, the debt collector must send a written notice called a debt validation letter within five days of their first communication. Your letter will generally include details about your total debt and the creditor seeking payment, along with instructions regarding your right to dispute your debt. 
I was not contacted by the collection agency within the 5 days of their first communication
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a month to month contract with XXXX while in NY. I called in XXXX of XXXX to end the contract, returned my equipment and give them my new address as they told me there MAY be a final bill sent to me. 

I didn't receive any bills from XXXX. In XX/XX/XXXX I received notice from a collections agency ( at the new address ) that I was in default. I made the payment after receiving the notification. 

XXXX reported late payment and that the money was in collections from XXXX until XXXX of XXXX after I reported the error and tried to contact XXXX directly ( at which time they told me they had record of the final bill dated at the end of XX/XX/XXXX ( more than 2 months after I had terminated the service. That " supposed '' bill was never received. 

I would like the late payment and collections removed from my credit report as any requirement to send this bill to collections was a direct result of XXXX not completing their billing correctly to my new address in a timely manner, and is in no way a reflection of my ability or willingness to pay my bills on time. 

This is not the first time I have had an issue with XXXX when ending service with them, which tells me it is a systemic issue, but it is the first time it has gone so far as to permanently affect my credit.
Product: Student loan

My name is XXXX XXXX. I am a XXXX XXXX XXXX XXXX After many odds job, in XX/XX/XXXX, I enrolled XXXX XXXX XXXX to learn about XXXX XXXX  with the hope that after graduation I would easily find a good job. My major was XXXX XXXX XXXX XXXXXXXX. In XX/XX/XXXX, XXXX XXXX was forced to close down due to fraud activities in a long period of time, plus the teaching quality and curriculum were too out-dated because of their greed. I was in despair for months. As a student I did not know anything about it until the college closed down. I was completely disoriented for a while. However, I could not let my XXXX years of study go easily. I slowly regained my spirit and determination to complete the program I was studying. I tried to transfer my credits to another college, but I was not able to find any college in XXXX XXXX where I live that would accept me or that I could afford to attend. Finally, I found XXXX XXXX in XXXX that accepts my credits from XXXX XXXX. Because I was almost graduate from XXXX XXXX and able to transfer a large portion of credits from there, I only needed to study online in XXXX year ( XXXX ) to complete XXXX XXXX  XXXX XXXX program and graduated from XXXX XXXX XXXX 
However, XXXX XXXX teaching quality made my knowledge crippled, plus because of study online I did not have any support in terms of job placement in XXXX XXXX. I went to a lot of interviews, I even got into the 2nd or 3rd round of recruitment, but in the end I still lost to the candidates who graduated from universities around here. In the midst of extreme disappointment, I was hired by XXXX XXXX to work as an XXXX XXXX, a profession that I do until now with a minimum wage and only requires being a high school graduate to work. Nothing good in return to me after XXXX years of study, except that I have to bear big student loans totaled {$39000.00} ( it was much higher and I paid it down ) in which about {$31000.00} from XXXX XXXX and {$8500.00} from XXXX XXXX Eventually, it was my big mistake to transfer credits to XXXX XXXX  but I did not have a second choice at that time. 
Please help me to get all of my student loans discharged or at least {$31000.00} from XXXX XXXX. I simply can not afford to pay these loans due to my salary level and the expenses of living in XXXX XXXX. I am a victim of an unqualified college which was controlled by the Department of Education. 
Thank you for reading this letter. I really hope you will help me get out of this terrible situation. Please do not hesitate to contact me for further questions. 
Note : In XX/XX/XXXX, I already contacted Mohela ( before it was XXXX ) about this matter but I got rejected.
Product: Credit reporting, credit repair services, 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 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.C1681 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 of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Fig Loans Texas LLC is reporting an alleged debt on my credit report that has yet to be validated. This company is known for their fraudulent practices, and I am demanding that the contract bearing my signature is submitted along with the debt validation. I do not recall owing your company anything. Your company does predatory lending practices that purposefully deny borrowers their locked interest rates when market rates rise, and this has been confirmed. I am demanding that the account on my credit report is removed until this investigation is completed. Furthermore, I did not give consent to your company to furnish anything to the credit reporting agencies on my behalf. Please see the attached invoice for the violations committed by your company and remit payment to the address on the invoice. This account is to be removed with 14 business days along with the payment.
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and concern regarding the numerous attempts I have made to rectify an inaccurate late open account on my credit report. Despite my ongoing efforts to correct this discrepancy, the issue remains unresolved and continues to have an adverse impact on my financial well-being. 

There is a late open account inaccurately listed on my credit report, which does not accurately reflect my financial history. This inaccuracy is significantly damaging my credit score, affecting my ability to secure fair lending terms and credit opportunities. 
I have diligently followed the prescribed procedures for disputing inaccuracies in my credit report as outlined by the Fair Credit Reporting Act ( FCRA ). In each dispute, I have provided clear explanations, supporting documentation, and evidence to substantiate my claim. 

Regrettably, my efforts have not produced the desired results, and I continue to encounter the following challenges : My previous dispute letters and supporting documents have received minimal to no response, leaving me unsure about the status of my dispute. 
The delay in addressing this inaccuracy has caused significant financial hardships and has adversely affected my ability to access credit and financial opportunities. 

The presence of this inaccuracy continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting for both consumers and creditors, and I am fully committed to working with your credit bureau to ensure the accuracy of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that your credit bureau conducts a thorough investigation into this specific inaccuracy and takes immediate action to rectify it. Additionally, please provide me with regular updates on the status of my dispute, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, which serve as evidence of my earnest attempts to rectify this inaccuracy. I am asking for your immediate assistance to correct this accounts : XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$24000.00} ; DEPT OF ED/XXXX XXXX  Opened XXXX XXXX XXXX Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank - XXXX 2021 an unauthorized inquire.. 

XXXX XXXX XXXX XXXX 2021 an unauthorized inquire.. 

XXXX - XXXX an unauthorized inquire.. 


In accordance with the Fair Reporting Act...

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit card or prepaid card

During the last week, three prepaid Visa debit cards were compromised, where the source of the vulnerability was the company 's own website www.giftcardmall.com/mygift. A user would type in the card information online, only to get an error message. Unbeknownst to the unsuspecting customer, the card 's information is being leaked to a hacker, and the remaining balance is being siphoned off in the matter of seconds ( usually via fraudulent XXXX transaction ). A second attempt to login is usually successful, and it shows the card balance accurately albeit at XXXX, as someone had just debited a transaction exactly equal to the remaining balance. This has happened from multiple IP addresses and different browsers. The only reliable way to check a balance on a card is to call via the telephone automated line. It is virtually impossible to register a card online, because that would mean someone will drain it, as was the case with card # XXXX, from which the entire {$200.00} balance was stolen even prior to first use. In contracting with Blackhawk Network XXXX  Inc. the Bank has repeatedly failed to manage third party risk. Blackhawk Network XXXX  Inc. has been very difficult and defiant in resolving these claims. They would ask for multiple and onerous pieces of information, whereas the fraud obviously happened on their end. They also will put a 10-day deadline on many of these cases, and demand multiple pieces of information including receipts, copies of utility bills, copies of the debit cards in question, and I was just fortunate enough to have all of these. But what if I had thrown them away?!? 

I still have two claims unresolved, and more and more information is being asked of me even though I registered both cards.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX  XXXX XXXX and addresses and inquires. This has cause me great anxiety, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

" I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am XXXX that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The XXXX XXXX XXXX Acts compliance procedures section, XXXX XXXX XXXX ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, XXXX XXXX XXXX "
Product: Credit reporting or other personal consumer reports

I have never signed or entered any agreement with XXXX XXXX. Please delete this inaccurate information from my Credit Report immediately.
Product: Credit reporting or other personal consumer reports

My credit data was leaked in the XXXX breach and my information was not investigated properly by XXXX or Transunion. I disputed inaccurate information on my credit report. I request they remove all items listed in dispute letter attached and send documentation of methods used to verify the disputed information. And remove all old addresses and update address to : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Demand for Investigation Against TransUnion and XXXX XXXX for Violations of 15 U.S.C. 1692 ( c ), 1692 ( d ) ( 2 ), and 1681s-2 Request for Statutory Damages Dear CFPB Representative, I am filing a formal complaint against TransUnion and XXXX XXXX for their violations of federal consumer protection laws, specifically under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These violations have resulted in financial harm, including the denial of credit and housing, and I am seeking damages in accordance with the law.

Violations of Federal Law Violation of 15 U.S.C. 1692 ( c ) Unauthorized Communication TransUnion and XXXX XXXX have reported a debt to my consumer report without my explicit consent to communicate with me. Under 15 U.S.C. 1692 ( c ), debt collectors must have permission to contact a consumer under certain conditions, and I never authorized such communication.

Violation of 15 U.S.C. 1692 ( d ) ( 2 ) Harassment and Abuse The inaccurate and harmful reporting of this account on my credit report has resulted in tangible damages, including being denied access to credit and housing. Under 15 U.S.C. 1692 ( d ) ( 2 ), such conduct is deemed harassing and oppressive, and is therefore illegal.

Violation of 15 U.S.C. 1681s-2 Inaccurate Reporting XXXX XXXX , as a data furnisher, has violated its obligations under 15 U.S.C. 1681s-2 by reporting incorrect and misleading information to TransUnion. Despite my dispute, TransUnion has failed to properly investigate and correct the inaccuracies, which is a direct violation of the FCRA. 
Account Details : Collection Agency : XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Original Balance : {$1300.00} Date Opened : XX/XX/XXXX Status : Collection account with {$1300.00} past due as of XX/XX/XXXX Legal Demand for Damages Under 15 U.S.C. 1681n, any willful noncompliance with the FCRA entitles an individual to statutory damages of up to {$1000.00} per violation. Additionally, under 15 U.S.C. XXXX, consumers are entitled to damages for violations of the FDCPA. Due to TransUnions repeated failure to comply with federal law, I am demanding the following : {$1000.00} per violation of the FCRA and FDCPA for TransUnions failure to properly investigate and correct disputed information and its unauthorized and harmful communication regarding this account.

Immediate deletion of this account from my consumer report due to its unlawful reporting and failure to meet legal compliance standards.

I request that the CFPB investigate these violations and take necessary action against TransUnion and XXXX XXXX to ensure compliance with federal law. If this matter is not resolved promptly, I am prepared to escalate my complaint to legal action.
Product: Credit card

I applied for an Open- Ended extended line of credit with CARE CREDIT/SYNCHRONY BANK FINANCIAL and was denied. Regardless of the reasons for denial, I have the right to credit. With holding my access to my securities is SECURITIES FRAUD. XXXX XXXX IS VIOLATING THE EQUAL CREDIT OPPORTUNITY ACT AND CONSUMER AND CONSUMER CREDIT PROTECTION ACT. CREDIT DENIAL IS CONSUMER FRAUD SINCE XXXX XXXX HAS DENIED ME MY CREDIT, PLEASE RETURN MY APPLICATION FOR IT IS NOT A GIFT.