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

THESE ACCOUNTS LISTED DO NOT BELONG TO ME THE ( XXXX XXXX ) LISTED WAS OPEN FRAUDULENTLY SOMEONE USE MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IIN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Student loan

I have qualified for the Public Loan Forgiveness in XX/XX/XXXX and applied for forgiveness. I realized I didn't use their " help tool '' and my application was 'in review ' and has been in review since XX/XX/XXXX. I finally used the Help TooXXXX and submitted my application in XX/XX/XXXX and within 2 days, my payment counts were updated for the month of XXXX. They did not count any of the months from XXXX - XXXX due to my original application being 'in review. ' I have filed a complaint through Studentaid.gov and was told multiple times that my case would be expedited since I am over the 120 months, however, I spoke to someone today in the escalated department through Fedloan and was told there is no timeline. I have had the same employer since XX/XX/XXXX, have certified my employer annually and have never used the HelpTool prior and have NEVER had to wait over two months to update my account. Please help regarding this matter. I have been waiting for this moment since XXXX when I learned of the program and it should NOT BE THIS HARD. Thank goodness I do my research and advocate for myself regarding Fedloan and the Public Loan Forgiveness. I feel terrible for those that have no idea what they are doing regarding this and assume that this will not be as complicated as it is.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Student loan

When I was XXXX, I had to go on XXXX leave. I called Navient to tell them I had a XXXX and had to go without pay for 20 weeks. They told me they would put my account in forbearance until I could return to work after XX/XX/XXXX. When I called them months later they said my account was past due and I could again, apply for forbearance due to financial hardship and it would show that I was paid up to date. at that time, I set up for automatic withdraw as my sign in on their website never seemed to work. Fast forward a few months, I landed a new job and decided now is the time to buy a house. However, that 's when I found out that Navient reported my account as default on all XXXX small loans for 5 months causing so much damage to my credit that I can no longer buy a home. I wrote them a letter explaining this and they refused to help me. I 've called several times and they refused to help me. They have refused to let me speak to a student loan advocate as well. I also filed a complaint to the Omsbudman that was of no help because they did not seem to understand that I was told one thing and another thing happened. What really upsets me is that I 've never paid on my student loan until XX/XX/XXXX. I always go in forbearance due to the fact that I was a single working mom. When I went in forbearance all those years, my payment history is shown as paid. Again, I never paid on my student loan since I graduated in XX/XX/XXXX until XX/XX/XXXX! And not until this last time did they ruin my credit. I am now making enough money to pay my loans and buy a home for my family. I have no paperwork of these transactions because they do not provide me with any- EVER! It is recorded answers. I wrote a letter of good will practically begging them to investigate and stick to what they told me. They sent me a generic canned letter saying my payments were missed. Nothing was written about what they agreed to do. Please help me!
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and to also send other documents so I can review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an unauthorized XXXX account ( Account # XXXX ) that has recently appeared on my credit report with Experian. I have already disputed this account directly with Experian, yet they have failed to provide me with the requested supporting documentation verifying the accounts legitimacy. 

Furthermore, Experian has contacted me regarding my personal information being found on the dark web, which raises serious concerns about identity theft. Given this information, it is clear that this XXXX account does not belong to me, and I am requesting its immediate deletion from my credit report. 

It has also come to my attention that the CFPB is currently suing Experian for failing to conduct proper investigations of consumer disputes, violating the Fair Credit Reporting Act ( FCRA ). In handling my dispute, Experian has failed to uphold its legal obligations under : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Reinvestigation : Experian has not conducted a thorough investigation into my dispute, as required by the FCRA.

15 U.S.C. 1681b Unauthorized Use of My Credit Information : If Experian has allowed an unauthorized account to be reported in my name without verifying its legitimacy, they may be in violation of this section.

Experians failure to provide me with verification documents and their continued reporting of inaccurate information is causing undue harm to my credit profile. I request that the CFPB investigate this matter and ensure that Experian complies with the law by removing this fraudulent account from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting the Bankruptcy for XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This Bankruptcy was discharged in XXXX, XXXX and is well over 11 years old. Reporting of a Bankruptcy is between 7 10 years. This is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have attached a copy of the Order Closing Case, case number XXXX dated XX/XX/XXXX. The date of last activity reporting was XXXX, XXXX and now the Bankruptcy information has been re-aged and is now reporting a date of last activity of XXXX, XXXX. This continuing to falsely report a Bankruptcy that has long since been closed, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Debt collection

This is a follow up complaint to the previous one dated XX/XX/2018. This company sent us each another check for the same amounts as the first checks that they disbursed. These checks also bounced so now we have received XXXX in fees from our bank. We again tried to contact XXXX XXXX   and were given the run around with no answer as to why they owe both my husband and I are owed over payment refund and why they keep stopping payment on the checks after they disburse them to us. Additionally, the account that this agency identified as a " XXXX '' account was actually a judgment through XXXX XXXX that was paid in full through the Wisconsin XXXX Amortization of debts that was completed in XX/XX/2018. This judgement was sent to an attorney in XXXX Wi named XXXX XXXX. This attorney has been given a notice that the debt has now been satisfied almost 6 months ago yet the debt still shows as unsatisfied with the court system. I have tried to contact this attorney with no response from her or her law firm. XXXX XXXX is using unethical and unfair debt collection practices. They never sent us a notice of where the money we were sending them each month through our consolidation was going and it turns out that XXXX of the accounts we paid off was not even our debt ( XXXX ). Additionally, they keep showing that they owe us about XXXX dollars back, they then mail us out two checks, and they then stop payment on the refund checks. This unethical and unfair debt collection process must be corrected.
Product: Student loan

XXXX XXXX XXXX IS NOT LISTED ON THIS APPLICATION. NOT SURE WHY. I SUBMITTED AN APPLICATION FOR MISCONDUCT BUT NEVER RECEIVED ANY RESPONSE. THIS WAS APPROXIMATELY XXXX YEARS AGO. I READ AN ARTICLE TODAY ON XXXX THAT ADVISED OF A NEW APPLICATION FOR SCHOOL MISCONDUCT SO I APPLIED AGAIN. I WAS INSTRUCTED BY ANOTHER ORGANIZATION THAT I SHOULD HAVE HEARD BACK BY NOW ABOUT THE FIRST APPLICATION. I DON'T KNOW IF IT WAS DENIED BUT I DO NOT HAVE ANY INFORMATION ABOUT A CLOSED SCHOOL. I DO NOT HAVE ANY INFORMATION PERTAINING TO ENROLLMENT/ADMISSIONS BECAUSE IT WAS IN XXXX. I SHOULD NOT BE PENALIZED OR MY APPLICATION SHOULDN'T BE DENIED FOR LACK OF REQUIRED INFORMATION. ALL XXXX XXXX HAVE BEEN CLOSED FOR YEARS. MISCONDUCT HAS BEEN PROVEN. MANY OTHER CLASSMATES WHO ATTENDED WHEN I DID HAD THEIRS FORGIVEN DUE TO PROMISES MADE BY XXXX THAT WERE NOT KEPT AND CREATED HARDSHIPS FOR US.
Product: Credit reporting or other personal consumer reports

XXXXNote : Supporting documentation has already been mailed to your office regarding this matter, may inadvertently be under file XXXX XXXX XXXX  On XX/XX/year> I sent a Certified Letter to Experian to have them update/correct the personal information on my credit file, remove telephone numbers, and all other addresses off my report as they are not deliverable, and reportable per the FCRA. This has not been done. 

On XX/XX/year> I mailed a Priority Mail letter to Experian regarding several negative accounts on my credit file, and requested " competent validation '' which included a signature showing that the accounts were mine. They were given 30 days per FCRA laws to accomplish this, and have not done so. 

On XX/XX/year> I mailed a Certified letter to Experian regarding an alleged account from " XXXX XXXX. '' When I attempted to contact the alleged company by mail, the letter was returned as " undeliverable '', so I requested that Experian remove this alleged account from my report as it is possibly fraudulent. This has not been done per FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AND XXXX {$810.00} This has been over 7 years I filed a dispute with the company nothings being done.
Product: Money transfer, virtual currency, or money service

I have hundreds of dollars of charges on my credit card from Venmo ( a digital wallet company ). I had never heard of Venmo. The charges are not mine. 

I called Venmo at XXXX XXXX XXXX XXXX. They would not help me at all, and said I should contact my credit card company.
Product: Checking or savings account

I was involved in a job scam from XXXX. They sent me money in check form to deposit to my account. There were XXXX different checks that needed to be deposited so that I could provide money to vendors for equipment and materials. The first check was for {$2400.00}. There was only a 48 hour hold on the check and then the funds were released. The 2nd check was for {$2500.00} and those funds were also held only for a brief time and then released for usage. The institution, TD Bank did not validate the funds of those checks before releasing them to my account for usage. They released them with only a short hold so that these fraudulent checks were available. Had I not had access during the period of the scam that I was involved in, convincing me I was getting paid for this great work from home position, I would never have been able to send the funds to the random " vendors '' I was instructed to. TD Bank did not do their due diligence in verifying any of the information prior to release. I have had checks in the past held for many more days that were in fact legit and had to be verified ( anywhere from 5-7 days minimum )! I tried to go into the branch when I realized what had happened on XX/XX/23 and although I was scammed, they told me it was fault and I would be held responsible for the funds I already released to these various vendors. This bank should never have released those funds to me and instead should have only charged a return check fee ( which they have now done but also included the high amounts I now have to pay back to the institution ). TD Bank needs to be held accountable for there lack of being able to identify a fake check. I was a victim of fraud and am now thousands of dollars negative in my account which could have been avoided if they had never released the funds to me.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

" purchased '' boot from XXXX. I paid with Paypal. Never received the product or any communication with fraudulent seller. Paypal registered this as a transfer to Friends and family. I paid {$96.00} and no refund and never received the order and never had any communication with someone called " XXXX XXXX '' which clearly sounds like a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported to Experian two accounts in my name that have been charged off however are still reporting. The address on file with these two accounts does not and has never belonged to me. I ask for the debt to be validated and the company can not provide my original signature but Experian refuses to stop disclosing this inaccurate information. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX in XXXX XXXX about the lending club reporting my account wrong. I told them I was late in XXXX not XXXX which they opened the dispute. In turn for retailation the lending club posted my account late in XXXX again and now XXXX I spoke to the chat person they agreed I had not been past 30 days in those two months. XX/XX/XXXX they send me where I can dispute above some line in an email. I do this and they then repost the lates so my score keeps tanking I am in line for XXXX and this has cost me a 2 month delay due to incorrect posting and the damages are insurmountable. Now they send me another email to go to XXXX which XXXX they know will not open a reinvestigation that has been done. I spoke to XXXX. So I have exhausted all avenues fighting with this company for lates that were not valid and are not valid. They do not listen I have called and chatted been hung up on.. Your my last resort before counsel ask for damages as XXXX shuts down at the end of this month I am XXXX points away and the points I keep dropping from this error is in excess of XXXX its called reaging.
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Public Records that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes explain this collection account is not mine! I have attached the FTC report. Please have XXXX and XXXX remove this off my credit report asap
Product: Debt collection

In accordance with the Fair Debt Collection Practice Act, 1692g, I hereby request that you validate this debt. The act provides that you shall cease collection of the debt, or any disputed portion thereof, until you obtain verification in accordance with the law. That verification must be in writing and contain a copy of a judgment ( if applicable ), and the name and address of the original creditor and supporting evidence of the alleged debt.

I am requesting that you send me a copy of my original application or sales agreement, so that I can identify my signature.
Product: Money transfer, virtual currency, or money service

I experienced a situation very similar to the one described in the post below, where my funds were stolen from my Kraken account : https : XXXX XXXX XXXX XXXX XXXX XXXX I received no notifications about the unauthorized access, and I found it concerning that two-factor authentication ( 2FA ) wasn't required for fund transfers. Some comments in the linked thread suggest the possibility of an inside job, and I share that suspicion. It's incredibly challenging for someone to simultaneously acquire both my password and access to my mobile phone for generating 2FA codes every 30 seconds. Also phone was rechecked for any malware and similar, by specialist and was found none.This phone I use only for 2FA.

After a week of my account being locked, Kraken only provided me with the IP address from which the account was accessed and the date of access. Kraken typically records all login activities within their web interface, but strangely, this particular login was not documented. Kraken seems quick to act when it comes to emptying an account through cryptocurrency transfers, but when it comes to trying to retrieve funds, it's a different story. 

Local law enforcement has been unhelpful in this matter. I managed to trace my funds to a XXXX account and provided XXXX with transaction logs, which confirmed the transfer to their exchange. However, XXXX has been uncooperative, and local law enforcement hasn't taken any action, even though the account responsible for this theft generates over {$100000.00} daily.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX : {$1900.00}
Product: Debt collection

I made a settlement with Credit management and the issue was resolve, I was told that they would remove it off my credit file but not only am I still receiving calls stating I owe but it has not been removed of any of my files
Product: Credit reporting, credit repair services, or other personal consumer reports

1 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times, I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX