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

To Whom It May Concern : I am submitting documentation regarding my student loans ; I am a XXXX   veteran with almost twenty-two years of XXXX XXXX service. My student loans were discharged XX/XX/XXXX of XXXX due to XXXX through XXXX, XXXX, The US Department of Education and XXXX XXXX. I am having issues with all US Department of Education loans starting with account number XXXX and XXXX XXXX  loans starting with XXXX reporting inaccurately to XXXX, Equifax and XXXX. 

I have disputed this several times with the credit agencies and provided all the necessary documents regarding the discharged  accounts. I have also reached out to the loan servicers and the Department of Education to get this issue resolved, however as of XX/XX/XXXX of this year they are still reporting incorrectly. I have included a copy of all documents that were sent to the credit agencies and loan servicers as well as copies of my credit reports. As you will be able to compare on my XX/XX/XXXX and the most current credit reported dated yesterday XX/XX/XXXX. 

At this time, I am requesting that you review all the documents and assist in helping to resolve this issue in a timely matter as I am not able to move forward on purchasing a home that I have a contract on and a closing date of XX/XX/XXXX and until this has been resolved. The 120 late 's that are being reported have pulled my credit score down over 100 points and with these accounts still showing open, it looks like I still have a debt that I haven't paid. Thank you for your assistant in this matter and I also give my wife XXXX XXXX XXXX permission to speak to anyone on this matter if I am not available. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account on my credit report. The account in question is : Creditor Name : XXXX Reported Balance : {$200.00} Credit Limit XXXX {$70.00} Closure Date : XX/XX/XXXX I am a victim of identity theft, as documented in my FTC Identity Theft Report ( # XXXX ). Under the Fair Credit Reporting Act ( FCRA ), particularly sections 15 U.S.C. 1681c-2, 1681e ( b ), and 1681s-2, I am entitled to accurate credit reporting and the removal of fraudulent information. Below, I have outlined the specific inaccuracies and discrepancies in the reporting of this account : XXXX. Inaccurate Closure Date vs. Reported Activity Issue : The account is marked as " Closed '' on XX/XX/XXXX, yet the report shows ongoing balances and payment history through XX/XX/XXXX. 
Violation : This discrepancy violates FCRA 1681e ( b ), which requires credit bureaus to ensure accurate and current reporting. A closed account can not legally or logically show activity beyond the closure date.

2. Inaccurate Payment History Issue : Payment history inaccurately reflects missed payments from XXXX to XXXX, despite the account being marked as closed in XXXX. 
Violation : Reporting payment history for a closed account is inaccurate and misleading, further violating FCRA 1681e ( b ). Such errors unfairly harm my credit score.

3. Discrepancy in Last Payment Date Issue : The report shows a last payment date of XX/XX/XXXX, even though the account was closed on XX/XX/XXXX. 
Violation : This inconsistency demonstrates a failure to properly update or verify account information, violating FCRA 1681s-2 ( duty of furnishers to provide accurate and updated information ).

4. Balance Exceeds Credit Limit Issue : The reported balance of {$200.00} exceeds the credit limit of {$70.00}, reflecting a utilization rate of 298 %.

Violation : While high utilization may sometimes occur, reporting an inflated balance for a closed account indicates either error or fraudulent activity. This reporting harms my credit score and violates FCRA requirements for accuracy.

5. Incorrect Account Status Issue : The account is marked as " In Collections/Charge-Off '' as of XXXX, even though it was closed in XXXX. 
Violation : This misrepresentation of the accounts status is another violation of FCRA XXXX ( b ) and contributes to inaccurate reporting. 

6. Conflicting Remarks Issue : The remarks section states Profit and loss write-off and Account closed by credit grantor in XXXX, yet the account shows ongoing balances and payments. 
Violation : This conflict in account details reflects incomplete and inaccurate data in violation of FCRA standards. 

7. Failure to Mark Account as Fraudulent Issue : Despite submitting my FTC Identity Theft Report ( # XXXX ), the account remains reported as valid. 

Violation : Under FCRA 1681c-2, credit bureaus are required to block fraudulent information when provided with an identity theft report. This failure to act violates my rights under federal law.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report due to a recent data breach. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which entitles me to have fraudulent information blocked from my credit file.

The following accounts were fraudulently opened in my name and should be removed from my credit file : Fraudulent Accounts XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9400.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$27000.00} XXXX. XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$6000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9500.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XXXX XXXX, XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$77000.00} XXXX. XXXX XXXX - XXXX - XXXX XXXX, XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$38000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - XX/XX/XXXX - {$77000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$300.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXXXXXX XXXX
Product: Vehicle loan or lease

So in XX/XX/2021 I got a loan from Santander Consumer USA, and shortly after that I lost my job and XXXX XXXX XXXX XXXX XXXX and then I was back to work and XXXX XXXX XXXX. I got upside down in my loan they repossessed the vehicle and I still have a charge off on my credit report for {$26000.00}. So I am unable to get any form of credit today. And they even repossessed the vehicle that was worth more than the loan amount. Im pretty much completely stuck in my life right now because of that loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

SUBJECT : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRES Inquiry made by : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX made on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I open a account with truist on XX/XX/2023 a couple days later I deposited a check for {$3000.00} iny account which they froze in said it would be available in a couple days I have p.o.a..they cashed it but it's still not available to me I can't take the check no where else because its been cashed at truist in they still haven released my funds in closed my account they haven't told me any thing but its under investagation
Product: Vehicle loan or lease

In XXXX of 2020 I got laid off due to Covid I called and paid my car payment and I spoke to a representative about getting laid off. I asked if I could skip the month of XXXX due to the lay off. The representative said that she could move my XXXX payment amount to the end extending my term. I asked if it would effect my credit she stated it would not due to Covid. In XX/XX/2020 I made my normal payment before the due date and in XX/XX/2020 I paid double to try to make up for missing XXXX. Global lending marked me as 30 days late for the month of XXXX and XXXX. My payments are due on the XXXX of every month and I paid XXXX 's on the XXXX. So neither XXXX or XXXX should be 30 days late. I tried calling and explaining the situation and they are very rude. They stated they are a private company so it is under their discretion whether they follow the CARE act or not. They refused to let me talk to a manager and kept passing me around laughing at me and being very rude. I have the statements showing I paid XX/XX/XXXX and XXXX I paid double. I've disputed it multiple times and they keep denying it. It has greatly affected my credit and me buying a home. I do not believe what they are doing is fair. Especially considering they agreed to move my XXXX payment. But to also mark me late for XXXX when I have a statement showing I paid early in XXXX is absolutely terrible. I have tried everything and I am at a loss as to what I can do. Global Lending is absolutely ripping people off and ruining their lives. With these missed payments it has severely affected me.
Product: Credit reporting, credit repair services, or other personal consumer reports

here are inquires that i dont recognize nor did i give approval to look into my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Product: Debt collection

After sending a letter of debt validation to LVNV Funding, I received a response letter that did not include any documentation that confirms that I am responsible for the debt for the two accounts. It did not include an original contract, personal identification, signatures, or any other verifiable documents. The response only included a billing statement. Therefore, I want LVNV to IMMEDIATELY stop reporting these accounts to XXXX, XXXX, and XXXX. In addition to removing all previous incorrect reports/information from previous months. 

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

XX/XX/year> the outstanding balance was {$9500.00} XX/XX/year> I received a email notice of balance due from the Community Manager {$10000.00} XX/XX/year>XXXX XXXX XXXX  changed the amount to {$9700.00}, XX/XX/year> the amount was changed to {$7700.00} Reported on credit XX/XX/year> Appeared Opened XXXX. XXXX, 2024 ( XXXX mos ) on credit report for {$9700.00}. 
Somehow this account had XXXX different account IDs numbers .Debt amount sent to XXXX party inaccurately therefore its reported on my credit wrong. Debt is no longer mine nor can it be verified. 
XX/XX/year> I received a settlement amount of {$7700.00} Never authorized anyone to sell my information/identity 18 USC 1028A 15 USC 1681b 15 USC 6802
Product: Credit card or prepaid card

An account was opened without my knowledge by my now ex-wife. Upon divorce the joint account that was paying the card was closed which resulted in the card no longer being paid. As a result the card had a missed payment that showed up on my credit report. I immediately paid all fees for the account but Chase will not remove the late payment from my credit report. I had no way of knowing about this account. I did not open it. I should not have a late payment reflected on my credit report for an account that I did not know about. Chase states that I should have known about the account because it was open for a long time and statements were sent to where I was living. I did not get the mail. My ex-wife received all mail because she was a stay at home mom while I was at work. Also, Chase did not have my address at the time of the late payment. I had no way of knowing a payment was due. I tried to call multiple times to take care of this and each time was told that the late payment report was accurate and that I should have know about the account. They said it was not a bank error to allow an account to be opened by a wife in the name of a husband.
Product: Credit reporting, credit repair services, or other personal consumer reports

Criminal history errors transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an initial dispute letter on XX/XX/XXXX but received no response from them. I sent a follow up letter on XX/XX/XXXX but still there was no response or investigation made. 

I have written the company numerous times and they keep on reporting incorrect information on my credit report. The unverified, incomplete, inaccurate items remained on my credit report in violation of Federal Law. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt. 

I did not receive a letter announcing that the investigation has begun. They are required to respond to me and complete their investigation within 30 days but none of this happened. 

List of Personal information that I have no knowledge of, not mine : Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX - I believe that I had made my payments when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. 

List of accounts Account does not belong to me. Information does not relate to any transactions that I have made : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Transunion reported XX/XX/XXXX on the date of last activity, while XXXX reported XX/XX/XXXX. All dates should be the same. 

I have disputed these accounts and personal information from the Bureaus. These are not my accounts. Please help me remove it from my file. I contacted the the Bureau but I could not get any help.
Product: Credit card

I have an automatic payment option enabled to my account ending in XXXX. I have always have the auto pay in place and they charge me {$38.00} in fees on XX/XX/2023 and claimed my account is passed due, when it wasnt, I scheduled a manual payment for {$38.00} dollars because I was mislead and lied to. Additionally I was charged another {$29.00} in fees for a return payment when in fact I have auto pay in place. While their supervisor lied and claimed my account number is wrong that is why a fee was charged they have initiated an amount of {$160.00} from the same account she claimed it was a wrong account number. Credit card and banks are raping consumers in outrageous and ridiculous fees like a wild fire. I am tired on being charged unreasonable fees or fees that I did not caused to be added to my account. What are you going to do about it, why is credit card companies allowed to charge XXXX XXXX  in interest but I am not receiving the same XXXX XXXX  in interest on my money sitting at the bank. How much longer you going to allow financial institution to XXXX consumers
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against TransUnion for their overly burdensome dispute process, which violates the Fair Credit Reporting Act ( FCRA ). Today, I received XXXX letters from TransUnion ( dated XX/XX/XXXX, file numbers XXXX and XXXX ) requesting proof of my identification and current mailing address and many other personal documents before processing my dispute requests. This practice repeats for every dispute, and it contradicts the FCRA, which protects consumers ' rights to dispute inaccurate information without undue burden. Moreover, the FCRA requires furnishers to investigate all disputes. Section 1681s-2 ( b ) states that " [ a ] fter receiving notice '' of a dispute, the furnisher " shall conduct an investigation with respect to the disputed information. '' 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ). This language is " both mandatory and comprehensive '' ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) ). TransUnion 's practice contradicts CFPB guidance that " consumer reporting agencies and furnishers must reasonably investigate disputes received directly from consumers that are not frivolous or irrelevant and furnishers must reasonably investigate all indirect disputes received from consumer reporting agencies even if such disputes do not include the entity 's preferred format, preferred intake forms, or preferred documentation or forms '' ( CFPB, " Supervisory Highlights Consumer Reporting Special Edition, '' XXXX XXXX ). The CFPB and FTC have stated in an amicus brief : " If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it '' ( FTC, " FTC, CFPB Submit Amicus Brief Defending Consumers ' Ability to Dispute Inaccurate Items on Credit Reports, '' XXXX XXXX, XXXX ). I request that the CFPB investigate TransUnion 's practices to determine if they comply with the FCRA and take appropriate action to ensure that TransUnion processes my disputes without this onerous process. The ideal resolution would be for TransUnion to investigate my disputes without requiring repeated identity verification, focusing on the substance of the disputes as required by the FCRA. I am attaching the XXXX verification requests received today as evidence of TransUnion 's practice. ( This is also the case for XXXX. As evidenced in the attached letter from XXXX dated XX/XX/XXXX, they similarly require extensive documentation for identity verification before processing disputes. XXXX demands copies of two items : one to verify identity -- -with a complete XXXX Social Security number -- -and another to verify current address ). These requirements impose an undue burden on consumers attempting to exercise their FCRA rights.
Product: Debt collection

The company is Affirm. I have a new phone number and they're calling for a woman by the name of XXXX who previously had the number. I've spoken to several people who say they'll remove my number from their list but they continue to call. They will call 5-6 times a day and back to back at the same time repeatedly. I've even threatened to take legal action and contact you all but they still continue to call. I work third shift and their calls wake me up and I can't turn my ringer off because I have sons who may have an emergency and need to contact me.
Product: Debt collection

CMRE Finance, placed on my credit report twice the same amount for the same day ( 1.
CMRE FINANCE N/A Collection/ Chargeoff Learn More {$470.00} XXXX XXXX, 2017 2.
CMRE FINANCE N/A Collection/ Chargeoff Learn More {$470.00} XXXX XXXX, 2017 ) charge off for medical bills. I had called them and told them that I was covered by the XXXX XXXX and XXXX and used providers in the insurance group ... that I was Not responsible for the amount not covered by insurance and according to medicaid I do not owe this, as the hospital and doctors ( under contract ) has agreeded to accept as payment in full from insurance company for the services that were given to me.
Product: Mortgage

I have a mortgage ( original Charter One Bank ) now serviced by Citizens One XXXX. The loan is a XXXX ARM with an interest rate of 2.500 %. About a year ago Citizens One contacted me and asked why I was making payments on the XXXX day of each month instead of earlier. The terms of the note provide no late charge if paid by the XXXX day of month. I complained that this was sort of like harassment - but changed the monthly payments to XXXX to not hear about this again. A few days ago I received a mortgage statement showing an " overdue Payment '' of {$980.00}. The statement is dated XXXX XXXX, 2017 and does not include any late charge. This seems like a wrongful attempt to obtain payments before the agreed due date. If this is systematic I hope CFPB can investigate and demand they stop.
Product: Credit reporting or other personal consumer reports

Didnt do a investigation in a timely manner and my information was exposed to a data breach
Product: Debt collection

I cancel the service of broadband with XXXX on XX/XX/XXXX and transfer my provider to XXXX. 
After numerous call in regard canceling of the service and returning device XXXX install for my connection to the broadband. ( I pay rent for more than 5 year every month for this device the cost of it on the invoice. is {$70.00}. ) I personally drop of the device at XXXX Now on XX/XX/XXXX I received a debt. collect invoice. from ERC for {$190.00} I call this company and I war refer to XXXX to dispute the the charges. 
XXXX will not talk to me if I do not give them my SS number,
Product: Student loan

I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called AES ( American Education Services ). This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( XXXX, XXXX, XXXX ). I am not sure how the credit bureaus verify this when AES is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both AES and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/XXXX while showing a document of Disclosure Statement sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE 34 EDUCATION, SECTION 685.215 - Discharge for false certification of student eligibility or unauthorized payment.