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

In XXXX XXXX I got a loan with XXXX for XXXX  use the account went in default and closed in XX/XX/2017. XXXX three years later sold the account but continues to keep it on my credit, they then report as XXXX/tomorrow, and then XXXX  also I report to all three bureaus but equifax was the only one that didn't remove the account. I got a letter in the mail stating that the account was sold to galaxy enterprise. Requesting that I have to pay them XXXX when the account closed I owed them XXXX, now I have another company Requesting money for the account for XXXX XXXX and it is still XXXX. Under frudling acts I am asking for your help to have this account remove from my credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATE ON THIS ACCOUNT 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 I was never been late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced acount and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g
violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit card

In XXXX XXXX, I noticed a fraudulent charge of {$340.00} on my credit card account. I immediately disputed the charge with Milestone, explaining that I did not authorize the transaction. However, my dispute was denied. The bank stated that the merchant provided paperwork and ID claiming the charge was valid, but I was never shown this evidence or given a proper explanation. 

Since then, the bank has continued reporting late payments on this account, severely damaging my credit. I have repeatedly tried to resolve this issue, but the bank refuses to remove the charge or the late payments. I requested documentation proving that I authorized the transaction, but they have not provided anything directly to me. 

I am asking for a full review of my dispute, removal of the fraudulent charge and late fees, and correction of my credit report to remove the negative reporting associated with this issue. 

Let me know if you want to adjust anything!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax produced a completion of an investigation. The Document sent states this " We have researched the collection account Account XXXX The results are : The Disputed item is not currently reporting on the Equifax credit file. If you have additional questions about this item please contact : Fair Collections & Outscour XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Phone XXXX XXXX XXXX " I challenge last payment date and and date of 1st delinquency as erroneous and inaccurate. 

Equifax also stated the same about another file that reads as such. " We have researched the collection account Account XXXX The results are : The Disputed item is not currently reporting on the Equifax credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Phone XXXX XXXX XXXX '' I Challenge all fields that are left blank or with a {$0.00} designation. Such as but not limited to Incorrect balance, ( Notice of deficiency deducted amount ), Scheduled payment amount, actual payment amount, date of last payment amount reported as XX/XX/XXXX, the account history with status codes does not match the reporting data of last payment and request all signature level documents stating both redemption and deficiency notices. ( I never received any type of documentation. 


When I checked my credit report both files still showed reporting. Both Files has missing information and also inaccurate information. 

On XX/XX/XXXX - I called Equifax to discuss the discrepancies. I gave the agent as well as the supervisor the confirmation # XXXX. They viewed the documents and told me that both files are still reporting. Although, I have documentations from Equifax stating that they both were removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer report and noticed that there were a few unauthorized, unknown inquiries being reported. At no time did I authorize anyone to put anything on my consumer report. 

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 disputed the following accounts to no avail with Experian. They claim that they verified these accounts and I have not received any proof from the company nor Experian that these accounts belong to me. I have escalated my concerns to the FTC to investigate and possibly become part of a Class Action law suit. The following accounts do not belong to me : XXXX-Account # XXXX XXXX  XXXX XXXX -- # XXXX XXXX XXXX- # XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

There are pages of dates that Credit Karma inquired about my credit. I do not remember anything that I applied for Credit Karma. Please inquire.
Product: Debt collection

XXXX claimed that I owed them money after my account was closed. They sent a debt collection agency after me months ago. I provided them with all the paperwork which showed that XXXX actually owed me money. Once they did not contact me anymore, I assumed the matter was settled. Now I received a new letter from a new collection agency, once again stating that I owed money. I tired to call XXXX but they said they have nothing to do with it once it is turned over to the agency and I have to deal with them. I do not understand why I have to continue to have to deal with another agency once I settled everything with the first one.
Product: Student loan

I want to file a complaint regarding my student loans. I have received differing information regarding consolidating my federal loans. I called several weeks ago and inquired about consolidation of all my federal loans. I was told by the loan agent that my loans would be consolidated into one loan and my PSLF qualifying payments would be recalculated and counted as the highest number of payments made to all loans. So I proceeded with the consolidation. I completed the app online and got confirmation that my loans were being consolidate. Then on XX/XX/22 I got a letter in the mail that was regarding my consolidation. The letter stated that if I consolidate these loans I would have to re-start my payment counts toward PSLF. I panicked. This is direct opposite of what the agent told me. I placed many calls to MY FED Loan and was put on hold for over 30 minutes, when I tried to get a call back I was either hung up on or placed on another hold. Never was able to ask anyone. I searched the website for information and saw on there as well that my payments would restart. I canceled the consolidation request so I would not loose my payments. The website states that counts start over as well. However I am hearing from MANY other borrowers that this is no longer correct but that the site is not updated, that the letter I got 2 weeks ago is outdated. So I have once again been trying several times a day to contact the servicing center with absolutely no luck at all. I can not get the information that I need to determine if I need to apply for consolidation again. This has been very confusing and the information that I was given over the phone weeks ago is direct opposite of what is on the website. I need written facts so that I can determine if consolidation is the right course for me. I can not consolidate if I have to restart my payment counts. I just need correct information and can't even get a call back. I have also direct messaged them on XXXX XXXX and can not get a response. I do understand that everything is in process to change the information however there is a deadline I am trying to meet as well for the consolidation process. I need help getting the correct information. I have been getting misinformation for years with various student loan servicers.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfil its legal obligation under XXXX to conduct a reasonable reinvestigation of disputed information creditreport, leaving inacurate or unverifiable accounts unresolved CFPB has recently filled lawsuit against experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adquately notify consumers of dispute outcomes.These failures align with my experience, were experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as experian inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I had a $ XXXX XXXX newspaper subscription, that I ended in XXXX, drawing from my Barclaycard Rewards Mastercard. I had auto-pay set up, such that any bills to my credit card should have been automatically paid for from my debit card account at Oregon XXXX XXXX XXXX XXXX as had happened for over a year. This did not happen starting in XXXX, and the {$4.00} subscription cost snowballed into a {$90.00} credit card balance, due to late fees, which I only realized when I was sent a notice in XXXX that my account was being closed. A {$4.00} late fee was charged XX/XX/XXXX, {$12.00} late fee charged XX/XX/XXXX, {$25.00} late fee charged XX/XX/XXXX, and a {$40.00} late fee charged XX/XX/XXXX, in addition to {$0.00} " minimum charges '' each month starting in XXXX. I spoke to a Barclays customer service agent ( XX/XX/XXXX ). He told me that Barclays had made some kind of systems change, in XXXX I think, that resulted in a number of customers being taken off of auto-pay without their knowing, and with Barclays unable XXXX tell who had had auto-pay. He acknowledged that it was not my fault and thus removed all the late fees. I pressed him to remove the interest charged as well, which he said he did, such that I would have a XXXX balance after paying {$8.00} for the newspaper subscription ( now I'm not sure why I should have payed more that the {$4.00} for the XXXX newspaper subscription ). He told me he couldn't do anything about the lateness having already been reported to the credit bureau, but gave me their address for me to mail a complaint to. When I logged in Monday XX/XX/XXXX, it appeared I still owed {$90.00} due in XXXX, and also that I had a balance of {$2.00} due now. I called back and they said I know longer owed the {$90.00} but did owe {$2.00}, which they removed on account of that being from interest that shouldn't have been charged. They said they could NOT re-open my account without me reapplying. My complaint is on behalf of all the other auto-pay subscribers who were taken off auto-pay and charged late fees, and because I'm concerned about how this may continue to affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX  account # 's XXXX XXXX XXXX {$180.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$98.00}, XXXX/XXXX XXXX  XXXX {$1300.00}, XXXX XXXX XXXXXXXX {$4800.00}, XXXX XXXX XXXXXXXX , {$5000.00}, XXXX XXXX XXXXXXXX {$160.00}, XXXX XXXX {$2200.00}, XXXX XXXX  {$0.00}, XXXX {$0.00} , has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/XXXX, an ACH Electronic Debit of XXXX from our Citibank checking account was sent to XXXX XXXX  for a new account opening. The XXXX was received successfully to fund my new checking account at XXXX. Due to the inactivity of the XXXX Checking Account, the XXXX was returned to Citibank on XX/XX/XXXX. Because of inactivity, XXXX Closed the Checking Account on XXXX XXXX XXXX 

We called the XXXX customer representatives hotline to inquire about XXXX as it was never credited back to our Citibank checking where the transaction was initiated. After passing around for 2 months of calls over the phone, we decided to get help from a local XXXX branch assistance. After many months with the help of the local XXXX Branch Manager chasing down the external/internal ACH Trace # of the transaction returning the XXXX back to Citibank, Citibank was not able to track down the XXXX. 

We got a notice from Citibank around XX/XX/XXXX they were shutting down all our accounts ( no reason given ) on XXXX XXXX XXXX We already sent a complaint email to our Citibank account representatives on Wednesday, XX/XX/XXXX, stating our XXXX was still not credited back to our active checking account at that point. 

Our Citibank Accounts were shut down on XX/XX/XXXX. We continue to work with XXXX 's local branch manager and Citibank 's local branch manager to help in tracking down our missing XXXX. 

Finally, with escalations on XXXX, on XX/XX/XXXX, the money was traced to be residing with XXXX ( Capacity as the Third Party Service Provider of ODFI ACH Operator for XXXX ). A letter was issued by XXXX to have Citibank ACH Department recall this transaction of XXXX and credit it back to Citibank 's Account. 

However, with our Citibank checking closed on XX/XX/XXXX, Citibank stated they can't get the money from XXXX and issue a XXXX check. We can't go to XXXX directly to get our money as we are not a customer of XXXX. Our Checking account at XXXX is also closed.
Product: Debt collection

I went to court for this issue. Was told by the judge to pay XXXX XXXX in the amount that was owed of {$1800.00} by XX/XX/XXXX, 2012. I went into the office to give the property manager a chashiers check if {$6000.00} but was told they couldnt accept any money from me. I few weeks later all of my belongings were thrown out into the alley behind the building.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so, XXXX refused to accept payment over the phone and agreed they made the error.. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Credit card

A charge was made on my card from XXXX. I have not purchased anything from them. I asked chime to investigate this in which they did not. I was told that basically it is my fault that someone charged my card without my knowledge.
Product: Bank account or service

I have repeatedly asked for an original contract ( front and back copies ) from DISCOVER BANK to which this day I have NOT received and this request was sent on XX/XX/2016. I directed my request to the Chief Financial Officer XXXX prior to a now existing lawsuit claim against me by XXXX. I asked for an original contract because I suspected fraud on the account in which DISCOVER BANK may have materially altered said contract for a profit but without my consent ( Securitization ). Instead of responding, I 'm thinking the alleged account was assigned to XXXX which would require another contract. I have a right through the privacy act to know how my information is being used.
Product: Student loan

Im reaching out once again because as a consumer I firmly believe we should be protected by US LAW from criminal fraudulent activity and behavior from corporations. 

After I finally submitted the NAVIENTs School Misconduct Loan Discharge Application for my fraudulent private student loans from the criminal and fraudulent for profit XXXX XXXX, now Navient, after being banned from ever servicing Federal Student loans, sold their ilegal portfolio of fraudulent private student loans from criminal for profit institutions to ANOTHER COMPANY. 

Now a different company with a horrible reputation, XXXX, services my loan after I already paid the initial loan amount but still owe 2X that amount. Now my NAVIENT School Misconduct Loan Discharge Application becomes obsolete.

What happened to the FTC Holder Rule? 

Why were Federal Loans the only ones discharged when both Federal and Private were issued under the same fraudulent conditions? 

As a legal US consumer I feel harassed, threatened and coerced by a criminal corporation ( NAVIENT ) to pay for something I shouldnt be paying for. 

Navient gave me an ultimatum that if I dont pay by the XXXX of XXXX I will be sued, even though I was just informed my loan is no longer with NAVIENT but with XXXX. 

This is absurd and shouldnt be happening in the United States of America, its a disgrace. 

I was scammed by a for profit institution and now Im being coerced to pay for a fraudulent product by a criminal corporation.

We, thousands of defrauded students/consumers, need protection.
Product: Checking or savings account

I have tried and tried to get all of my banking account, savings, checking, cd 's, and an irrevocable trust account information from USAA. They will call and leave a message and when I call back I get a message and then back to ground zero. This has now gone on for far to long. I only found out about all of this fraud when the account was basically empty. They treated me horribly. My grandfather was one of the original 300 members of USAA. I need to get some resolution. I need all of my records because these were stolen by the thieves, my mom and brother.
Product: Credit reporting or other personal consumer reports

XXXX  this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit purpose.
Product: Credit reporting or other personal consumer reports

I have the right to privacy as a federally protected consumer. I do not consent to E-Oscar verification.

18 USC 1028 ( a ) - Aggravated Identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

How is XXXX reporting my information when there is no contractual obligation between me and XXXX? My information should be protected against any breaches. XXXX please show me the law that shows you must report anything to a person 's consumer report.

The law says you MAY report and the consumer must give permission.

15 USC 6801- Protection of Non-public personnel information. The law says that it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non-public personal information.

15 USC 16802 obligation with respect to disclosures of personal information. 15 USC 16802 ( b ) Opt-out - A financial institution may not report Non- Public personal information to an non-affiliated third party unless there was 3 disclosures sent to me before the information can be exchanged and the consumer must agree to it.

so Nelnet what do i need to do so that my information does not get reported.

15 USC 1692 CC in writing a consumer can refuse to pay a debt collector.

15 USC 1681 ( b ) 2 permissible purpose - There must be one permission written consent from the consumer and they must have a legitimate business reason or government/ court order but without those, they can not pull the consumer report. the law clearly states " A person may furnish in accordance with the written instructions of the consumer to whom it relates.

If consumer reporting agencies can not share information without written permission, so how did Sage Stream and Lexus Nexus get my information? Also when they got it, who gave them permission to share it with a consumer reporting agency?

Identity Theft 15 USC 1681 Q - obtaining information under false pretense Any corporation who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretense shall be fined based on title 18.

18 USC 1028 ( a ) - Aggravated Identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.