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

I sent a letter on XXXX XXXX, 60 days ago requesting an investigation into an inaccurate account I saw on my credit report. Then I sent a follow-up letter on XX/XX/XXXX asking that they comply and tell me the results of the investigation. I still haven't received a response on my dispute. I feel like they are ignoring my consumer dispute.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. 

XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX Account number # XXXX DEPT OF EDUCATIONXXXX account XXXX XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATIONXXXX account XXXX XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATIONXXXX account XXXX XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX
Product: Checking or savings account

On or around XX/XX/XXXX Chase Bank was advised that my Business account for XXXX XXXX XXXX was experiencing fraudulent charges including but not limited to withdrawals ' ATM .. and credit card charges that were not mine. 

I was told to call Customer Service. Customer Service did not help. 

On or around XX/XX/XXXX XXXX I went to th chase Bank branch on XXXX XXXX XXXX. All I asked was for my account number and routing number. I was in XXXX Virginia for three weeks which I can prove and when I mentioned that to the clerk she immediately stood up and called security. I left without saying a word. 

I'm an American Citizen and pay SC taxes on my business and I would like to have my account number and routing number as I was never given any checks. They do not seem to be willing to cooperate nor investigate the fraudulent charges.
Product: Debt collection

This issue shows that I opened an account on XX/XX/2018 with First Bank of Omaha and that I owe them {$7100.00} for something I know nothing about. I have sent numerous letters to both XXXX XXXX  who is the debt collector listed on my report and the credit bureaus, as well as First Bank of Omaha. I have not received anything other than an Invoice from XXXX  XXXX  saying I owe {$7100.00}. I requested more information and instead of sending me the requested documents they actually updated my credit report to show as new debt and increased the amount. Lowering my score again. 

They have hit my credit report more than once for this alleged debt with no documents showing that I opened an account with them. I did not open an account with them I dont know why this is on my credit report
Product: Credit card

I received notification from citi bank regarding my best buy mastercard being past due. Upon receiving this notice I checked my credit report which now shows a derogatory mark due to this account being 90+ days past due. I called the number provided on the letter & explained that I had not received any type of statements or notifications prior to this delinquent notice. My email was confirmed as I am setup on e-bill, however I have not received any type of statements regarding my account via email. I was being pushed to pay the balance of over {$150.00} due to late charges accrued on my account. I requested to know why I did not receive a notice when my loan become 30 days delinquent, to which I had no response. I was transferred to another department for 'resolution ' in which I was disconnected when the agent answered. I was advised by the prior agent that I could not make a payment online since I did not have my XXXX. He advised there was no way to reset my password without having my credit card. My credit card was discarded of to prevent use of this account. I am aware that an annual fee is charged and as a consumer I am responsible to pay, however it is the responsibility of the creditor to also notify the consumer of amounts due or actions that will be taken.
Product: Mortgage

discharged from bankruptcy XXXX 2015 I have paid my mortgage every month. Mortgage company sold my loan to another and new company saying I owe XXXX or will foreclose on my by XXXX XXXX. I provided proof of my mortgage payments still they persist that my account is delinquent.
Product: Student loan

I keep filing a complaint and they keep responding with the same response, verbatim. I CONTACTED XXXX numerous times already and they said that there's no way that they can help me at all, I was told be them each and every time I contacted them " Only MOHELA is able to take care of this issue ''. My student loans was approved for discharge through the XXXX XXXX  XXXX XXXX program in XXXX XXXX. However, my student loans still have not been discharged and is reflecting on my credit, I reached out to all of the credit agencies and they have all informed me, that they have not received any information regarding discharge. I keep contacting MOHELA and they keep disregarding my complaint and sending me a copy and paste message to each complaint. I was approved for discharge and they need to discharge it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information contained in my credit report. Specifically, I have noticed a discrepancy between the balances reported by XXXX XXXX and TransUnion for the same account. 

According to my XXXX credit report, the balance is {$0.00} as of XX/XX/XXXX. However, my XXXX credit report shows a balance of {$110000.00} as of XX/XX/XXXX. Furthermore, according to TransUnion credit report show a balance of {$110000.00} and a report date of XX/XX/XXXX. These conflicting balances for the same account indicate an error that needs to be addressed and corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, Congress has articulated the purpose of the act, which includes ensuring the accuracy and fairness of credit reporting. As stated in the congressional findings and statement of purpose : Congressional Findings ( 15 U.S. Code 1681 ( a ) ) : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Statement of Purpose ( 15 U.S. Code 1681 ( b ) ) : " It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. '' In light of these findings, I request that an immediate investigation be conducted to reconcile the discrepancy between the three reports. I also request that my credit reports be updated to reflect accurate information. Enclosed are copies of both credit reports highlighting the discrepancies.
Product: Consumer Loan

I encounteted this business on XXXX/XXXX/XXXX. XXXX was my salesman and XXXX was on finance. I was told and showed the vehicle being XXXX. The contract was done via computer and XXXX showed me a deal for XXXX with a down payment of XXXX. After electronic signatures was obtained XXXX was printed and placed in a sealef envelope. I was contacted by XXXX and advised to call Credit Acceptance to verify residency and they quoted me figures that sounded quite foreign to me. So i called Credit acceptance and advised them that i did not want to verify at this time and allow me to contact the dealership. They also stated they would put it to the side and escalate the issue. ( However the I encounteted this business on XXXX/XXXX/XXXX. XXXX was my salesman and XXXX was on finance. I was told and showed the vehicle being XXXX. The contract was done via computer and XXXX showed me a deal for XXXX with a down payment of XXXX. After electronic signatures was obtained XXXX was printed and placed in a sealef envelope. I was contacted by XXXX and advised to call Credit Acceptance to verify residency and they quoted me figures that sounded quite foreign to me. So i advised them that i did not want to verify at this time and allow me to contact the dealership. They also stated they would put it to the side and escalate the issue. I then went to the dealer and spoke with XXXX who informed me that the vehicle was XXXX but the finance company charged them XXXX to take my deal which the price is now XXXX. He also informed me with the price being that amount they only received XXXX from the deal which wasnt really a profit. I was under the assumption i was financing XXXX. He was trying to settle the situation until he looked in the computer and it said deal was funded. He then became rude and stated this issue is now between you and Credit Acceptance not us. You signed it and we have been paid. Thus leaving me financing a XXXX car for XXXX. I feel that this company is a scam and needs to be investigated. I am also pursuing this issue with the finance company to ensure future contracta from them are fully investigated. finance company verified the account anyhow without my consent ) I then went to the dealer and spoke with XXXX who informed me that the vehicle was XXXX but the finance company charged them XXXX to take my deal which the price is now XXXX. He also informed me with the price being that amount they only received XXXX from the deal which wasnt really a profit. I was under the assumption i was financing XXXX. He was trying to settle the situation until he looked in the computer and it said deal was funded. He then became rude and stated this issue is now between you and Credit Acceptance not us. You signed it and we have been paid. Thus leaving me financing a XXXX car for XXXX. I feel that this company is a scam and needs to be investigated. I am also pursuing this issue with the finance company to ensure future contracta from them are fully investigate. I constantly have to call the finance company about the mattet in which speaking with XXXX today basically stated oh well im stuck with the deal.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX  XXXX XXXX credit card account 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 an account without my written instructions. Lastly, 15 usc 1666b A creditor may treat a payment on my credit card account under an open end consumer credit plan as for late any purpose.

I called and asked for it to be removed and was told that they no longer can do it and I am responsible to do it myself
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XX/XX/2021 I received an email from experian indicating that my email address was changed. 

I immediately tried to check what really happened as i never changed my email address or made any other changes to my experian account. I could not login to my experian account. I called experian and after talking to fraud and membership team, i realized that my email address, phone number on experian account was changed and I no longer had any access to my experian account. I tried to place a fraud alert and security freeze on my credit file at experian. Experian sent a pincode for the credit freeze but i did not get the pin at my email since that was changed. So at this time, the pin is with the person who has changed my account details. Experian asked me to wait for 72 hours before they could help in restoring my account.
Product: Checking or savings account

On XX/XX/2022, I purchased what was advertised as a garden project book but turned out to be a book about bugs and the company enrolled me in a membership ( with a week free trial period ) without due notice ; I received an email confirmation of the enrollment and upcoming {$39.00} charge. I notified the company about the book not being as advertised. Then I called Chime same day at XXXX to dispute the charges as they were not what I purchased as well as block future charges from the merchant. I was bounced to 3 separate representatives. The last representative did not understand XXXX or did not LISTEN. I told him that I wanted to block the merchant so they can't charge me for a membership. I told him several times that the merchant will try to charge me in a week after the alleged free trial ends. He wouldn't listen and kept looking to History of my account for a charge of {$39.00}. I had to tell him several times that it would be a FUTURE charge by the same merchant from whom I bought the book. He still couldn't understand and kept saying he can't find the charge for {$39.00}. I finally asked for a supervisor who spoke XXXX. This employee hung up on me and refused to block a merchant or unauthorized charges.
Product: Credit reporting or other personal consumer reports

XX/XX/year> TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX RE : Reinstatement of Fraudulent Account Dear TransUnion compliance officer.

This is a final notice regarding my Identity theft issue. I have file multiple disputes via certified mail and with the CFPB with no resolution in this matter. Today as I reviewed my credit report, I notice an account that was deleted due to Identity Theft was reinstated on my credit report. I believe that Transunion have failed to permanently block these accounts to prevent them from being re-reported. TransUnion has violated the FCRA several time. Willful non-compliance.

The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. I would like to point out that these accounts were the result of Identity Theft and under FCRA 605 ( B ) I am entitle to the block.

TransUnion sent me a letter dated XX/XX/year> that as a result from their investigation the account were deleted. See attachment. 

PLEASE PERMANENTLY BLOCK THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also file a direct dispute with TransUnion via phone. Spoke with a Supervisor XXXX who said that there is nothing he can do, and that the investigation will take XXXX days although this was already deleted from my file.
Product: Debt collection

My father passed away and US bank keeps calling me regarding his debt. They have called 10 times, and each time I inform them of my fathers passing, that there is not Estate, and please stop calling. They say that they will note his account and stop the calls but they are still calling, and it has been 5 months.
Product: Debt collection

Received a collection letter from Alliance One on XXXX/XXXX/2015 dated XXXX/XXXX/2015 attempting to collect an incorrect amount of {$6.00} with additional fees of {$6.00} for a debt from the XXXX program that is not due until XXXX/XXXX/2015 dated XXXX/XXXX/2015 in the amount of {$4.00}. This debt collection is attempting to collect when the bill is not even due. And XXXX letter threatens to issue a traffic citation if not paid. IT IS ILLEGAL TO USE AGENCIES TO COLLECT DEBTS AS PAST DUE WHEN THEY ARE NOT DUE! XXXX DAYS IS NOT ADEQUATE NOTICE FOR ANYONE TO PAY! 

I am absolutely ticked off enough to never travel to Florida again over a {$4.00} toll where the state is too cheap to have toll booths with people collecting {$1.00} to use the road.
Product: Money transfer, virtual currency, or money service

unfair, deceptive, and abusive practices and other legal violations by taking action against companies and individuals that break federal consumer financial laws. 
Western Union broke the law by failing to protect consumers sending money abroad.
Product: Student loan

Enrolled in a XXXX XXXX school ( XXXX XXXX, XXXX, Indiana XXXX ) was lied to about job placement, lied to about how my education would be covered mostly by grants, and they kept pushing this on me. They pushed me into a XXXX XXXX ( Now Navient ) Loan, said I met the criteria with a cosigner, and it was the best loan one could get. When in all truth it was the WORST. Variable rate that is up to % 13 percent, and climbing. I owe more on the debt now than when I first took it out. 

Come to find out there were XXXX loans with FIXED interest rate at 6.8 %, and there was no income requirement. 

This shows that XXXX and XXXX/Navient were in together on enrolling students that could get a creditworthy co-signer to get this Variable interest rate loan. This loan was pushed and pushed on me, and I was n't given many other options, it was then or never. XXXX has been proven to do shady business dealings, and has been fined for it. XXXX defrauded a bunch of students, and is now out of business. These XXXX conspired with each other to get the max they could out of each enrolling student, while constantly pressuring them, and lying. XXXX these companies shady practices have been exposed, so something should be done. They pushed me towards that XXXX XXXX Variable Interest rate because they new I had worthy credit and a cosigner, and income. 

They never mentioned the XXXX loan ONCE! Ask yourself why would I take out a Variabe Interest rate loan, when I could take out a fixed interest rate loan??
Product: Mortgage

The foreclosure dates given was XX/XX/2019 I called before that date and they changed it to XX/XX/2019 and I called again and was told the foreclosure date was suspended and will get the information in writing never received anything in writing. Almost everyday and Im told different things from varies operators. Finally spoke to the XXXX he said that he would fax it today and still havent received anything. Also I received a modification application and I filed it out and they said that I was denied but I sent it on time.
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 Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported in the files you maintain under my Social Security number.

No contracts exist ... Account was settled with creditor, ( no valid claims ) I want it removed. False information is being reported. Debt can not be collected twice.It was removed and re-inserted without notification which is requires by law, violation of FCRA law. 
I challenge the accuracy, compliance and reportability of this listing.F.C.R.A. violation. re-inserted without notifing me.Remove or litigation will followsettled all accounts with original creditor. 
I C System {$580.00} I C System {$360.00} I C System {$360.00} As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

FCR Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the 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 nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution under that title. 15 USC 1681 ( b ) Permissible Purpose and 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency Experian do not have my consent, permission and or authorization to furnish this information and they do not have my written consent. In addition, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) I was never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer report containing any of the following items of information any other adverse item of information. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian reporting agency isnt maintaining reasonable procedures. Lastly, It's my right to file this complaint under the Federal Credit Reporting Act and the Privacy Act of 1974 US laws.

Your prompt attention and involvement in this situation would be greatly appreciated. I look forward to your support in resolving this matter.