23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. I have previously filed several complaints about this matter and have yet to get it resolved. My name is XXXX XXXX this is my only name nothing else is correct my address is XXXX XXXX XXXX XXXX California XXXX this is my only address remove any other address it is my not my job to validate account but the consumer agencies.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to XXXX XXXX XXXX account # XXXXXXXX  opened XX/XX/2023 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation by the negative information posted on my credit report
Product: Money transfer, virtual currency, or money service

Money was sent and was not able to confirm or receive money back
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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/year>
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX  XXXX CT XXXX IN RESPONSE TO CFPB COMPLAINT : XXXX AMERICAN ADJUSTMENT BURE Last reported XX/XX/XXXX {$380.00} AMERICAN ADJUSTMENT Last reported XX/XX/XXXX {$150.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability
Product: Student loan

I was given financial aid to attend an unaccredited college that has been sued and closed down throughout the country. My degree is useless and I was not able to use it for the purpose I went to school to receive this degree. It was not accepted by the law school I applied at due to the lack of accreditation even though I was guaranteed by the school it would be accepted.
Product: Vehicle loan or lease

In accordance with the Fair Crediting Act, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604 a. Section 2 it also states that consumer reporting agency can not furnish an account with my written instructions. Under 15 U.S.C. 1666B states a creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My name ia XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Remove all of these inquiries from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically my mortgage company sold my loan to another company and my credit score dropped 63 points!! Why? And how is that my fault ... ..? Please advise
Product: Bank account or service

PLEASE NOTE : TECHNICAL PROBLEMS WITH CFPB " DISPUTE '' SECTION -- " SUBMIT '' BUTTON DOES NOT WORK. 
RE : CFPB XXXX Dear CFPB, I tried to dispute Union Bank 's response to my initial complaint earlier this week. However, there are some technical problems with your " Dispute '' section/ '' Submit '' button. The bank partially addressed my issue. 
I appreciated the response from XXXX XXXX, Office of the President, Union Bank. I also appreciated her reversing {$60.00} of the fees that had been charged to my account ( $ XXXX/month x three months ). 
On XXXX, at XXXX XXXX, I spoke with XXXX at the XXXX XXXX, XXXX Union Bank Customer Service Center. She said that I was never charged any bank monthly fees " until XXXX. '' XXXX said, " new bank fees went into effect XXXX. '' However, I 'm afraid this is not true. I have a large stack of paper bank statements ... all of them show {$20.00}, or {$18.00}, in monthly fees charged to my account. I was charged these monthly fees long before XXXX. 
I called the XXXX XXXX Customer Service Center again, on XXXX, at XXXX XXXX. XXXX. I wanted to confirm the amounts of the fees charged to my account. The employee who answered the phone ( and I 'm afraid I did not get her name ) put me on hold XXXX different times to talk to her supervisor. The third time, I was put on hold for about seven minutes ... no one ever came back on the line. 
At the time I first opened a " Signature Banking '' account, I was renting a room from relatives in XXXX XXXX, XXXX. Currently, I am paying full market rental rates in XXXX XXXX, XXXX, where I help to take care of my XXXX mom. My savings are dwindling rapidly. I feel that Union Bank discriminates against lower income customers. If XXXX is in " Signature Banking, '' no fees are charged. But if you are a lower income customer, with a " Bank by XXXX '' account, for example, monthly service fees are assessed.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I, XXXX XXXX, am lodging a formal complaint regarding an unauthorized and erroneous collection account appearing on my credit report, attributed to States Recovery Systems. This entry has been reported without my knowledge or agreement, and I assert that I have no contractual relationship with States Recovery Systems nor have I authorized the use of my personal information for such reporting. 

This matter contravenes several provisions of the Fair Credit Reporting Act ( FCRA ), particularly Sections 607 ( a ) ( 1 ) and ( 2 ), which mandate that credit reporting agencies maintain accurate, complete, and current data. Additionally, Section 615 ( a ) ( 1 ) clearly prohibits the dissemination of information to consumer reporting agencies based on inaccurate knowledge, a principle clearly violated in my case.

Moreover, Section 621 of the FCRA outlines the liabilities faced by entities failing to adhere to these requirements, stating that violators are subject to compensation claims by affected consumers. This scenario is further supported by violations of 15 U.S.C 1681 et seq, including Sections 1681i and 1681j, which emphasize the obligation of credit reporting agencies to ensure utmost accuracy in their reporting practices.

The dubious nature of the collection account, which appears to have been illicitly traded, also infringes upon the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ). These acts explicitly forbid the sale or acquisition of debts known to be invalid. Furthermore, such practices may constitute deception or fraud as described under federal statutes 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ).

I appreciate your immediate attention and resolution to this pressing issue. 

Sincerely, XXXX XXXX
Product: Student loan

XX/XX/18- Is when I saw that my loan company is corrupted and it has been report on XXXX   XXXX XXXX , that they are dropping the loans from AES . I have AES, they will not work with me on forberance, on lowering my payment, they keep raising the payment and it is getting harder for me to pay. There was a time they told me I never paid them and I did so I had to pay them again. Another time they got my loan mixed up with someone else 's loan. My main issue is that they would not work with me so I can pay them back. My second issue is that now that they are all over the news I need help and guidance how to fix this issue. 

The XXXX XXXX  XXXX reported Monday that judges around the country have dismissed dozens of lawsuits against delinquent borrowers because the entity bringing the suitswhich purchased loans from other originating lenderscant produce paperwork to prove it owns the debt. Sometimes, explains student loan expert XXXX XXXX, such issues have arisen because documents have gone missing, particularly for older loans where actual hard copies were transferred. In other cases, he says, there are basic misinformation or data input mistakessuch as mixing up borrowers names or Social Security numbers. 

They also dont usually provide proof of the transfer of the individual loan from the bank to the Depositor to the Trust. 

American Education Services ( AES ), the loan servicer that manages XXXX XXXX debts. If youve gotten collections notices from XXXX or bills from AES, theres a chance XXXX XXXX holds your student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX about five months ago to complain about the fact that when they charged my account for a monthly minimum fee, separate from their high interest, separate from initial annual fee and application fee, etc., so as I protested the minimum fee even with a balance, paid-as-agreed history, never late, that this fee, usurious in my opinion, over-drew my line, thus resulting in a negative credit reporting trade line, which dropped my score 30 points. I told them to reverse the fee and report paid as agreed on my account. 

Then I called back again to inquire about my account status, around XX/XX/2019 the phone representative said she couldnt find the account, then transferred me to another department, then transferred again, with quite a wait on line. Once a representative came on line, XXXX, informed me account was closed due to fraud/suspicious activity. 

I was shocked because XXXX XXXX, 1. Never informed me my card was cancelled due to fraud 2. Never contacted me to inquiry about my account activity 3. Never asked about any transactions that may not be mine 4. Never informed me that the account was closed 5. Never informed me I had no open-to-buy 6. Never sent me an  affidavit to sign Then the customer service representative said I was to make a payment to keep the account from going delinquent, which I did and she took that over the phone, and said she was sending me a new account, with a new number ; to date, 1. Never received a card replacement 2. Never received a statement w/balance transfer 3. Never was asked to cut up/return or destroy my original plastic 4. Never received any correspondence summarizing their promises 5. Never received a physical statement showing my payment received and new balance, and what is in the  balance. 

TO DATE, I HAVE NO IDEA WHAT IS HAPPENING TO MY ACCOUNT, WHAT I OWE, PAYMENT REQUIRED, CREDIT LINE STATUS, CREDIT REPORTING STATUS. 

I have come to believe, they retaliated against my account for complaining about the initial over-limit status due to the monthly service fee.
Product: Credit reporting or other personal consumer reports

There is information of a credit card that is closed on all three of my credit reports for a synchrony bank citgo credit card. 
I was a victim of identity theft and would like the account removed from all three bureaus
Product: Debt collection

In a letter dated XX/XX/XXXX from ERC, I received a response to a previously disputed debt. ERC sent a response to a validation request after I informed ERC that I do not owe them or XXXX, the original creditors. I told them to remove the debt completely from my credit report as it is not a debt or settled. XXXX falsely advertised that they provided high speed internet in my area when in fact they didnt. XXXX eventually sent me a refund check. The service was activated and cancelled the same day because it was not high speed internet. It was dial up and it was extremely slow. High speed is not offered in my area from XXXX in early XX/XX/XXXX. XXXX should not have place me in collection and ERC has been informed of all this. I want ERC to remove the bogus account because they dont even have the correct account number at all and I do not owe ERC or XXXX and they keep sending me correspondence and putting damaging remarks on my credit.
Product: Credit card

My XXXX XXXX XXXX brother asked me to help him find out who sent him a box of brownies from Amazon with no return address. So i googled Amazon Customer Service and at the top of the page with Amazon Customer Service, it said SPONSORED IN a XXXX box. So I called it and the call was answered by a foreign man and he answered THIS IS AMAZON HOW CAN I HELP YOU??? I was no where close to even be thinking FRAUD. So I said my brother received a box from Amazon with no return address and we are wanting to find out who it is from. I have called the company who made the product inside, and they said that they can't help me because the order went through Amazon. I called XXXX this amazon. And a foreign man says before we can start, I need you to identify yourself that you are who you say you are. We are a very large company and we do this to prevent fraud. At, this point, I was still not thinking FRAUD. He says I need you to send me {$1.00} through Venmo and I will turn around and send it back to you. Still not suspicious. So I did have my phone out to make sure he received my dollar and he returned it back. So he put me on hold, to transfer the money back, and then I see that he got into my account and took {$2900.00} from my account when I was on hold. I was hysterical, I was screaming put my money back. So then he apologized and said he was going to put it all back and that it was his mistake and then he had to put me on hold and then I see that he took another {$990.00}. Then it hit me, OMG!!!! This is FRAUD. I then blocked that number. Then the rules say to settle it with the seller, but by then XXXX was gone, deleted, no longer on Venmo. But when she came back, she had XXXX different names. I was now beyond hysterical. Ready to XXXX. I don't work and this is my house payment money. So now I call XXXX XXXX  and ask them to stop payment to Venmo, or can you reverse the charges. They said they could. So Everything was fine. On XX/XX/2023. So they got my money back. Yay! Noo, Boo! I get a letter from XXXX XXXX  that said We are taking our money back on XX/XX/XXXX. After their investigation they found that the money that was reversed was actually a legitimate transaction. I freaked out. The money was taken from my account went to my daughter, XXXX XXXX. XXXX has nothing to do with this They saw her name frequent on the Venmo sight and said I gave the money to my daughter. But, all the records say the money went to XXXX XXXX, I have no idea who that is!!! And XXXX XXXX, doesn't know if I am telling the truth or not I called XXXX XXXX, Venmo many times, city police, FTC, Attorney General of Nebraska, Debit Card Fraud Division, XXXX number from the real site, and I waited. Only to find out that no one was doing anything to get my money back. I still don't have my money and my account is very low. if you can't help me, please let me know ASAP. I have to get this money back. 
I will attach my screen shots.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that you are reporting the wrong address information and names on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX  XXXX XXXX XXXX XXXX MS XXXX Please remove the following address ( es ) and names from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Address ID # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Address ID # XXXX My name is : XXXX XXXX XXXX Wrong Name : XXXX XXXX Name ID # XXXX
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$6000.00} credit card XXXX XXXX XXXX XX/XX/XXXX {$10000.00} Auto Loan XXXX XXXX XXXXXX/XX/XXXX {$16000.00} personal loan XXXX XXXXXXXX XX/XX/XXXX {$2100.00} Credit Cards XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$5300.00} Credit Card XXXX XXXX XXXX XX/XX/XXXX {$6000.00} credit card XXXX XXXX XXXX XX/XX/XXXX {$10000.00} Auto Loan XXXX XXXXXXXX XX/XX/XXXX {$2100.00} Credit Cards XXXX XXXX XXXX  XXXX XX/XX/XXXX {$5300.00} Credit Card XXXX XXXX XXXX XX/XX/XXXX {$6000.00} credit card XXXXXXXX XXXX XXXX XX/XX/XXXX {$10000.00} Auto Loan XXXX XXXX XXXX XXXX XX/XX/XXXX {$5300.00} Credit Card ACCOUNT NAME : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).