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

Thank you for addressing some inaccuracies in my credit report. However, a few items still need review and removal. This new complaint pertains to issues arising from erroneous credit report details. As per Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within 4 business days, provided ( 1 ) proof of my identity ; ( 2 ) an identity theft report ; ( 3 ) identification of such information by me ; and ( 4 ) my statement that the information does not relate to any transactions I have made The following items need to be removed as they are inaccurate. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} -- -- -- -- -- -- The following inquiries need to be removed as they are unauthorized. 
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/XXXX. If you assert these items are accurate and verifiable, provide copies of any documentation bearing my signature, as I believe none exists. If no such signed agreement is found, these items must be removed from my file. The letter attached to this complaint is being sent certified to protect my rights. My research indicates you frequently do not comply with the FCRA statute mentioned. If you ignore this request, I will refer the matter to my attorney. This is not intended to be a litigious matter. You have 4 business days to remove any items from my credit file resulting from incorrect reporting. I do not consent to E-OSCAR or any automated verification methods. Your immediate attention and response within 4 business days are expected.
Product: Student loan

American Education Services keeps denying my cosigner release for different reasons, even though I have not missed a payment in over 6 years. This is different from the policy of XXXX XXXX XXXXXXXX the original lender which offered co-signer release to borrowers with the XXXX XXXX XXXXXXXX XXXX XXXX based on consecutive payment history. 

XX/XX/XXXX I received an electronic letter stating : I was not eligible for cosigner release due to not setting up XXXX XXXX 

WHY WE ARE CONTACTING YOU We reviewed your inquiry related to the Co-Signer Release benefit for the loans and loan owners identified in the Loan Information section of this letter. Unfortunately, we are unable to move forward with your request for Co-Signer Release for the following reasons : NOT ELIGIBLE YET : You are not currently on XXXX XXXX  You can request a review of the Co-Signer Release benefit after you apply for XXXX XXXX and at least one payment has extracted. 

XX/XX/XXXX I received another electronic letter stating : WHY WE ARE CONTACTING YOU We reviewed your inquiry related to the Co-Signer Release benefit for the loans and loan owners identified in the Loan Information section of this letter. Unfortunately, we are unable to move forward with your request for Co-Signer Release for the following reasons : NOT ELIGIBLE : A period of forbearance was previously used on the identified loans and the use of forbearance is a disqualifying factor for the Co-Signer Release benefit. 

The forbearance I recall was in relation to Hurricane Irma XXXX in Florida that affected myself and Florida Residents immensely. AES said I could request a forbearance without any penalty at the time due to the hurricane. In fact, they had it as a greeting when you called the customer service number, that borrowers who were affected by the hurricane could apply for forbearance. I kept my word in accordance with the forbearance and AES has not. I have not missed a payment in 6 years and XXXX months.
Product: Debt collection

I received a notification today from the credit bureau that a collection was added on my credit report in the amount of $ XXXX.I did not receive any dunning letter or written notice nor phone calls allowing me a chance to dispute the validity of this debt before being placed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, my personal information being reported is inaccurate My only name is XXXX XXXX, Date of birth XX/XX/1994 Address : XXXX XXXX XXXX XXXX Ga XXXX In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Graves ( mo ) 281 Sw 715,719, I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX , XXXX,
Product: Debt collection

I was called at work by Cash Call and they gave a co worker my information of how much I owed and when will I pay. A about XXXX min later they called my cell phone and when I spoke to them and explained what had happened they stated they would look into it but nothing has been done. They said they were going to listen to the recording but I do not know if that was done. And they call my phone almost every hour on the hour.
Product: Checking or savings account

Fifth Third Bank has canceled and changed my account numerous times. I have been charged a {$11.00} maintenance fee on my account. I have lost thousands of points earned from credit card purchases that suddenly disappeared without any explanation. This has been going on for years and it's asinine. I have been with this bank since I was a child. My mother opened up my first savings account with this bank, at the same branch that I've used my entire life. There is no customer loyalty when I have been loyal to them for my entire life. I'm always having to worry if my money is safe FROM THE BANK when I shouldn't have to be worried at all, that's why I deposit my money there to feel that my money is secure. It's not. It's being slowly taken from me and there's nothing I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I Contacted Transunion By Phone And Spoke With A Transunion Representative Failed To Provide Me The Consumer Accurate Information Inside My Credit File. Violation1 Secondly, Transunion Representaive Was Rude And Sacastic And Refuse To Anser My Question As Consumer. 2nd Violation 3rd Transunion Representative Intentionally And Willfully Hung Up The Phone In My Face Faking As If She Couldn't Hear Me. The Call Ended. It Was Not A Bad Signal. I Have A Witness! Transunion Has Failed To Provide Me Verifiable Proof of The Original Creditor Signiture. Transunion violated 15 U.S.C 1681 ( a ) ( 1 ) ( 2 ) 15 U.S.C. 609 ( a ) ( b ) 12 C.F.R.1692 ( a ) ( b ). I Have Reason To Beleive Criminal Activity Is TAKING place Inside Transunion Concerning My Information. Fraud, Identity theft
Product: Credit reporting or other personal consumer reports

someone got a hold of my personal information, i was told there was i data breach at the XXXX XXXX XXXX on or around XX/XX/XXXX - XX/XX/XXXX and i'm assuming that iwas a victim of fraud
Product: Vehicle loan or lease

I have been a customer of Consumer Portfolio Services for the last year. Unfortunately, in XXXX I started getting sick and found out I had XXXX. I was hospitalized on and off and the doctors have determined I am considered a " XXXX XXXX XXXX XXXX survivor. I've been XXXX XXXX times in the last few months, some lasting over a week. I fell behind on my payments and initially contacted CPS in XXXX after receiving emails saying they could help. I was made to feel like XXXX for needing help. I was told to borrow the money, I don't have anyone to borrow it from. Finally I was told they could extend my XXXX payment out to XX/XX/XXXX, but that my XXXX payment would be due XX/XX/XXXX and Id have to handle {$220.00} in late fees. Basically all they would do is move XXXX payment. I agreed to it because I was worried about losing my car and they gave me no other option. Unfortunately my return to work was delayed until XX/XX/XXXX due to my most recent XXXX. I did not be getting a paycheck until XX/XX/XXXX. I used livechat to see if I can do something about XXXXLate fees. And start with a clean slate. I was basically told that they'll send an email to upper management but they can't promise anything. CPS has been the ONLY company unwilling to assist during this rough time. My mortgage company, utilities, every other company understood my situation and was willing to work with me but CPS refuses to budge. All I'm asking for is the payments to be deferred to the end of my loan so I can start with a clean slate in XXXX. I've tried reporting to the XXXX and this company has not responded to them over a month later.
Product: Checking or savings account

I already have laurel road - keybank checking account. When i login- they prompted/offered me savings account. I started the process of savings account- all the process was completed and then it was denied. 
How come I be denied a savings bank account in the same bank where i have checking account? I am US Citizen and living in this country for more than 20+ years with XXXX credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about my credit on XXXX, XXXX and XXXX. My credit was XXXX. I got 4 hard inquires removed because its been the full 2 years so they got dropped. THEN my credit when DOWN to XXXX. You would think hard inquires being dropped would INCREASE my credit score, because its a good thing to happen. I called and asked why it dropped. I spoke to FOUR different employees and none of them could explain to me why it dropped. I believe there has been a mistake in my credit score and needs to be fixed. Nothing else changed for it to drop. Everything else stayed the exact some. 

Transunion did NOTHING to fix it or explain why it changed. They couldnt give a reason. 

This was on XX/XX/2019 when it dropped. 
Inquires removed were XXXX, XXXX, XXXX and XXXX XXXX.
Product: Prepaid card

ADP TotalPay card with money network upgraded my account unilaterally without any request from me or any notification to me and charged " account maintenance fees ''. I spoke to the customer service, and they only say they can not reverse but can not explain why the account was upgraded without my request
Product: Mortgage

I have applied more than 5 times over the years for a refinance. I 've Never gotten to speak to a person who XXXX. I 've been denied a lower interest rate from XXXX percent. I filed a complaint with the Indiana Atty. generals office and a representative from Ocwen denied I applied for a refinance. They placed me in foreclosure proceedings and chagred me a fortune for their atty. fees.
Product: Debt collection

I purchased a home at XXXX XXXX XXXX in XXXX, Florida, XXXX and the XXXX XXXX XXXX XXXX billed me for their {$60.00} annual dues before I could occupy the property. Their management company, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Florida, XXXX promptly referred the {$60.00} debt to their XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX, for collection and refused to even discuss the matter with me. The law firm filed suit for {$2500.00} to collect that {$60.00} debt.The XXXX XXXX even told my tenant of the property to pay his rent directly to them until the debt was paid, thus damaging my relationship with my renters. 
An attorney I randomly selected, XXXX XXXX, was kind enough to negotiate the amount owed down to {$1800.00} on a pro bono basis and I paid the XXXX firm off. I feel victimized by the apparent collusive effort between the XXXX XXXX XXXX and the XXXX XXXX XXXX in direct violation of the principles of the FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, am writing to file a formal complaint against the three major credit reporting agencies : XXXX, XXXX, and XXXX. This complaint is in regard to multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), particularly concerning the privacy and accuracy of my credit information.

Violations Include :. Privacy Rights Violation ( 15 U.S.C. 1681, Section 602 ) : All three agencies have mishandled my personal and financial information, compromising my right to privacy as protected under the FCRA.

. Unauthorized Distribution of Information ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : XXXX, XXXX, and XXXX have all furnished information about my account without receiving my explicit written consent, a direct contravention of the FCRA mandates. 

. Incorrect Late Payment Reporting ( 15 U.S.C. 1666b ) : Despite my diligence in making timely payments, the reporting agencies have inaccurately reported late payments on my credit profile, which is misleading and damaging to my credit standing. 

These actions by XXXX, XXXX, and XXXX not only violate specific provisions of the FCRA but also inflict undue harm on my credit reputation and overall financial well-being. 


I expect a prompt and thorough resolution to this matter and request to be kept informed of the progress. 

Thank you for your immediate attention to these serious concerns. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I have been contacting Aidvantage since XX/XX/XXXX trying to get them to extend my current payment on the PAYE plan onf {$190.00} ( which was in effect since before COVID ; orignal amount was {$230.00} and decreased because I paid off the subsidized portion of my loans ). My PAYE repayment plan was set to recertify XX/XX/XXXX, however, per Student Aid 's language, any recertifications prior to XX/XX/XXXX would be pushed out until XXXX. My PAYE plan was automatically recertified with a new payment amount of {$580.00} because my tax information is automatically linked somewhere to Aidvantage/Student Aid. I have been contacting Aidvantange since late XXXX to get this straightened out and was finally told in XX/XX/XXXX I would need to contact Student Aid directly to request this change because they " can not do anything as the payment plan amounts come from Student Aid and they just administer them. '' I can not get ahold of anyone at Student Aid and they claim they have forwarded requests which have not been resolved. Aidvantage has contacted me twice throughout this entire process promising to have the issue corrected within one week and it has not been resolved either time.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Experian Experian Dispute Center XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX. 

Subject : Request to Block Fraudulent Information Under FCRA Section 605C To Whom It May Concern, I am writing to formally request that you block specific information on my consumer credit report that I believe is the result of identity theft and fraud. This request is made pursuant to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

The fraudulent, inaccurate, and false information that I need removed from my credit report includes the following accounts : 1. **Credit Card Applied at XXXX XXXX XXXX Applied on XXXX, XXXX. 

XXXX. ** Credit Card Applied at XXXX XXXX - Applied on XXXX, XXXX. 

These application were submitted using my identity, and I did not authorize any of them. As a result, several unauthorized hard inquiries have also been made on my credit report. 

Please send me a written confirmation once these items have been blocked and removed from my credit report. I would also appreciate any additional guidance or steps that may be necessary to ensure that my credit report accurately reflects my credit history. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went into my local Chase branch and opened a checking account ( XX/XX/31 ). I tried to fund the account with a {$5000.00} check drawn on XXXX but it turns out that XXXX had changed its clearing house bank and so the check was returned. I then transferred {$1500.00} using XXXX into the account to fund it. I tried to setup a few more accounts to do XXXX transfers in and out of the account ( XXXX, XXXX XXXX XXXX ( wife ), XXXX XXXX  XXXX XXXX ). I made a few errors trying to figure out XXXX using {$1.00} transfers that failed but more or less figured it all out and thought I was good to go. The main reason I want this account is our local bank does not do XXXX. 

A couple weeks later I received my bank card so went to local Chase to deposit a {$5000.00} check to fund the account from a local bank and I could not use the card so I went in tried deposit it in person and was told that my account was being closed but they could not tell me why other than some other department had made a note on my account to be closed and not do business with me every again. I called the number they sent me two more times trying to get an answer but they refused to give me any information other than they are closing my account and will not tell me why. The local branch could not return the {$1400.00}. I also have a credit card with Chase which I have no idea what the state of that is. Chase simply has no one to talk to to resolve this issue. 

Hard to believe that such a simple issue can not be resolved but clear Chase has automate system without any opportunity to talk with some who can resolve things.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX and EQUIFAX Have violated my federally protected consumer rights to privacy, confidentiality and publish information to my credit profile without my written consent. As a consumer I am protected from this types of IDENTITY THEFT under 15 USC 1681. The account that is illegally on my profile is : XXXX XXXX XXXX open XX/XX/22. Equifax and XXXX both have committed fraud and have violated my right Under 15 USC 1681 section 604a section 2 : it States that a consumer reporting agency can not furnish a account without my written instructions. I have not provided my written instruction to XXXX or Equifax. In section 15 USC 1681c ( A ) ( 5 ) Section states, no customer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which and antedates the record report by more than seven years. I have not been convicted of a crime in seven years or ever. I otherwise as a consumer : Have the right to privacy as stated Under 15 1681USC section 602a.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be XXXX XXXX XXXX XXXX XXXX I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Product: Credit reporting or other personal consumer reports

THIS INFORMATION THAT ON MY CREDIT REPORT 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 XXXXXX/XX/XXXX STEMS FROM ME BEING A VICTIM OF TRAFFICKING PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS INLIGHT OF SECTION 605 C OF THE F.C.R ACT THANKS FOR YOUR HELP AND UNDERSTANDING
Product: Debt collection

A past due balance with my vacation company was submitted to Pinnacle Recovery after 30+ days of non-payment. I never received any written notice of what was owed and I was never given the opportunity to dispute their claim. The individual assigned to my " case '' was not helpful. I tried to work with a supervisor and was rebuffed. They will not verify the actual amount owed and will only take care of business over the phone. I am attempting to pay the debt in installments, but they will not allow that.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX/XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.