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

I have several listed accounts that appear as late when indeed they are not. I reconfirmed this with an official Experian credit report and they verified as late going from current to 60 days late within a 30 day window, I've contacted EXPERIAN several times with a 2 year time frame with this complaint of these incorrect accounts statuses and have seen no adjustments. According to law 15 U.S. Code1691i- Procedure in a case of disputed accuracy. If the completeness or accuracy of any item ( s ) of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item ( s ) from the file in accordance to paragraph ( 5 ) The accounts in question : XXXX # XXXX {$2200.00} XXXX # XXXX {$540.00} XXXX XXXX {$1300.00} XXXX OF XXXX # XXXX {$2000.00} XXXX XXXX XXXX # XXXX {$1800.00} XXXX XXXX XXXX # XXXX {$4600.00} XXXX XXXX XXXX # XXXX {$3400.00} XXXX XXXX XXXX # XXXX {$9600.00} XXXX XXXX XXXX # XXXX {$6800.00} XXXX XXXX XXXX # XXXX {$3700.00} XXXX XXXX XXXX # XXXX {$3500.00} THESE ACCOUNTS ARE INACCURATE GOING FROM CURRENT TO 60 DAYS LATE IN ( XXXX ) MONTH IM WHICH IS IMPOSSIBLE AND ITS Breaking The LAW UNDER FCRA.
Product: Debt collection

National credit systems came after my husband and me for an alleged debt that we do not recognize or find fair and proceeded to dispute it. we asked for the debt to be verified and validated according to our rights but instead kept receiving documents and a letter stating that this alleged debt was " validated by the original creditor '' which does not provide us with any proof of owing this alleged debt, but instead kept ignoring our request for proper documentations and asked us to provide them with documentations. They also stated in their letter that they would delete or not report any of this to the major credit bureaus while in dispute which was untrue as they did and now our credits are being affected for a debt that has not been validated or verified according to our rights. We have sent all certified mail and kept copies of their response specifically stating that they would delete or revise all reports they might have made to the credit bureaus and instead failed to do so without any written notice. This has caused my husband and me a lot of stress and damage as we were in the process of attempting to purchase a property. This is in clear violation of the Fair Credit Reporting Act ( FCRA ) of the Agency 's failure to follow guidelines for handling disputes. as well as Failing to send us notifications about our credit report.
Product: Credit reporting or other personal consumer reports

Hard Inquiries please remove 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Please see complaint XXXX submitted on XX/XX/XXXX for historical data. 

I am attempting to refinance and the new lender informed me that the mortgage was not reported on my credit report. I contacted ShellPoint numerous times for resolution. They sent me a notice on XX/XX/XXXX that the error had been corrected. 

I verified with 2 of the CCB 's that the loan was now reflected on my credit report. 

In continuing with the Re-Fi I am now told that ShellPoint will NOT release the payoff information because I am not on the loan - yet they are reporting the loan on my credit report. 

I signed all of the documents at closing. The home is titled to : XXXX XXXX AND XXXX XXXX, Husband and Wife, AND XXXX XXXX, UNMARRIED, AS JOINT TENANTS WITH RIGHT OF SURVIVORSHIP.
Product: Credit card or prepaid card

Notified on XX/XX/2018 by CapitalOne Master Card of charges on our card ending in XXXX at XXXXXXXX XXXX. On Sunday morning at about XXXX I called their Fraud Dept.. Three charges were made that night as follows : XXXX XXXX XXXX XXXX XXXX for {$3000.00}, XXXX for {$15.00} and then again for {$17.00}. CapitalOne cancelled that card and removed these charges from this card and took action to issue a new card. Today CapitalOne notified us of a new charge to XXXX XXXX for {$380.00}. I called CapitalOne as this charge showed against the new card that we have not received as yet. XXXX a Fraud Account Mgr. indicated that this charge was allowed against the cancelled card because a number of attempts was made to process it. She indicate that this happens at Visa and MasterCard. It appears that there is a flaw in these credit card  systems that allows a fraudulent charge to be processed against a protected cancelled card. It appears that there is a programming issue in these credit card companies that is putting consumers at risk.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX misrepresented job placement rates to prospective students between XXXXXXXX XXXX XXXX falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting or other personal consumer reports

My kitchen caught on fire and I went and stayed with my grandmother an auntie, whom we all have the same exact name. I told XXXX, Transunion, and XXXX that I was only staying with my grandmother an auntie for XXXX weeks and going back home. This was not my address as a visitor and I dont want any of my mail going to my grandmothers house. My address is XXXX XXXX XXXX, XXXX, IL XXXX. The credit bureaus has my address as XXXX XXXX XXXX XXXX IL XXXX. This is how identity theft happens. Also XXXX has an address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX on my credit report I have never lived at XXXX XXXX XXXX  in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this information to be corrected or removed per my disputed items requests and also want a new credit report so that I can see the changes they have made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of fraudulent or inaccurate info on my credit profile. I am getting denied for jobs, I cant move into an apartment, I cant even get pre-qualified for a home! 


Hard Inquiries : XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Collections non specific {$510.00} {$510.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$810.00} {$810.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX   XXXX Collection services {$810.00} {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Collection services {$510.00} {$0.00} XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXX XXXX {$810.00} {$0.00} XX/XX/XXXX
Product: Debt collection

They try to collect money from me for something is not belong. I want them to provide me with 2 pieces of information 1 ) Original Contract with my signature on it 2 ) Proof of ownership
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/XXXX XXXX XXXX URGENT! Removal of Unauthorized Medical alleged Debt Account To whom this may concern, I write this letter to you with utmost urgency and frustration regarding the outrageous violation of my rights. It has come to my attention that your organization is shamelessly and unlawfully reporting certain accounts to XXXX, XXXX, and Experian. I must emphasize that this is a clear breach of trust and a flagrant disregard for the law. I demand your immediate attention to this matter and insist on the swift resolution of this outrageous situation. 

Let me be unequivocally clear : unless you can provide me with concrete evidence that I have explicitly granted XXXX XXXX XXXX or XXXX XXXX XXXX permission to disclose any of my medical information to XXXX, XXXX, or Experian, I demand the complete deletion of the following accounts from your records : Account number : XXXX Amount : {$4700.00} Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ), I possess the unequivocal right to safeguard the privacy of my personal information and medical records from being exposed to third-party reporting agencies. This law exists for a reason, and I will not tolerate its blatant violation by your organization. 

Moreover, in accordance with the Fair Credit Reporting Act ( FCRA ), I reserve the right to demand validation of any debt being reported to credit bureaus. 

Therefore, I insist that you promptly furnish me with comprehensive documentation containing all information you received from the service provider regarding the alleged debt associated with the aforementioned account. Failure to comply with this demand will only further expose your organization to legal consequences for your blatant noncompliance with federal regulations. 

You have an immediate and non-negotiable deadline of 30 days to respond to this request. Should you fail to provide the requested documentation within the stipulated timeframe, I will have no choice but to consider the aforementioned debt null and void. In such an event, I will not hesitate to escalate this matter further, demanding the immediate removal of these unlawfully reported accounts from your reporting agency. 

This egregious violation of my rights and the willful disregard for the law can not and will not be tolerated. I demand nothing short of your immediate attention and swift action to rectify this outrageous situation. Failure to do so will leave me with no alternative but to seek legal recourse and hold your organization accountable for its blatant misconduct. 

I expect and demand your prompt and satisfactory response to this matter. I will be monitoring this situation closely, and any further delays or inadequate responses will only escalate the severity of the actions I will pursue against your organization. 

Consider this an ultimatum and an opportunity to rectify your actions before more serious consequences befall your organization. 


Best Regards, XXXX : XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Product: Student loan

I am enrolled in the Public Service Loan Forgiveness program. I have been working with XXXX regarding the qualifying payments. There are 6 months of payments ( XXXX ) made on a direct subsidized loan and a direct unsubsidized loan which are listed as " payment is pending manual review. '' I have spoken to XXXX regarding these payments and they have confirmed that the employment during this time frame was certified. These loans were through the lender ACS Education and I am unable to contact ACS directly to ask them to provide XXXX further information regarding the status of those payments. With these payments I will reach the 120 qualifying payments needed to apply for loan forgiveness. Your assistance is appreciated.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM EXTREMELY UPSET ON THE RESPONSE I AM KEEP GETING FROM AN EXPERIAN AGENT. I HAVE SUBMITTED MY IDENTITY THEFT REORT, ON THE FEDERAL TRADE COMMISSION WEBSITE, AND THE AGENTS TELLS ME THE FORM IS NOT VALID. HOW COULD IT BE NOT VALID WHEN I ACTUALLY WENT ON THEIR AUTHORIZED WEBSITE AND COMPLETED MY IDENTITY THEFT REPORT. AS A CONSUMER MY COMPLAINT IS AGAINST THE FEDERAL TRADE COMMISSION REPORT PLEASE UPDATE YOUR WEBSITE AND PLEASE LET THE BUREAUS KNOW THAT YOUR FORM IS VALID SO WHEN I SUBMIT MY COMPLAINT IT WILL BE VALIDATED, AS IT IS I AM ALREADY FRUSTRATED ON THE FACT THAT I AM A VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ON MY CREDIT REORT ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT. THE ACCOUNTS WERE OPENED WITHOUT MY CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is acting as a debt collector company but in the XXXX XXXX XXXX buyer list XXXX is a junk debt buyer company. 15 Usc 1692g I am the original creditor only I can validate debt. I have filed multiple dispute letters and will continue to take action on these fraud agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed many incorrect and unauthorized items appeared in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open XXXX  Account Number : XXXX Late Closed XXXX XXXX Account Number : XXXX Charge Off XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Collection XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reports rolling late payments from XX/XX/XXXX - XX/XX/XXXX in error after this loan was closed in early XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian is refusing to remove & block these accounts is related to fraud over seven years ago. These accounts should be removed by Federal Laws from the date these accounts were open. Experian is making their own policy 's and saying these accounts are to remain from there last date of payments. That is incorrect by Federal Law States. Experian is in volitions of Federal Laws. Experian was sued once before for violating Federal Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX referred an account for collections, which I have disputed not only with XXXX but the collection agency AFNI. I had disputed this account via telephone with AFNI requesting validation of the said debt. I did receive a response which was a automated letter dated XXXX, please see attached. This communication received from AFNI gave no details, only they have verified with the creditor. I had sent my 1st dispute in writing requesting the information I had requested via the telephone. please see attached, item # 1. 
Item # 2 thru # 5 attachments is the response received from AFNI dated XXXX with the same automation letter only this time with 1 line " this letter serves as verification of the account '', along with a copy of the of the last statement from XXXX showing a credit for the current month but a " previous Balance '' and this is where my dispute is and has been, I have no knowledge of this " previous balance ''. The service was no longer in use and the equipment was hand-delivered to a XXXX store on XXXX XXXX. in XXXX, AZ for I had moved from the address XXXX services were installed at. 
Item # 6 my request once again for validation dated XXXX, I never received any response from AFNI after this. 
Now I just check my credit bureau and found AFNI has of XXXX has listed a derogatory rating to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Product: Student loan

These are student loans I have been repaying since I completed my XXXX in 2000. In the past six months, my income-based repayment plan was rejected ( even though I made the exact same amount as the previous year ) so after exhausting all options, we finally agreed over the phone to a graduated repayment plan over 12 years that would begin around {$150.00} per month, with incremental increases each year, until year 12 when the increase would be about {$500.00} per month. The last thing the customer service representative stated after agreeing to terms and conditions is Great Lakes does not service these types of repayments so my student loans would be sold. XXXX is now the holder of the loans and claims they have no record of the terms and conditions agreed upon between Great Lakes and myself. I have contacted Great Lakes requesting my customer service history and they stated they will only release those records through legal channels. I am seeking resolution by securing full and non-redacted access to my Great Lakes customer service history for the past 12 months.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am a federally protected consumer under the Fair Credit Reporting Act. Please be informed that as per 16 CFR 313 along with 15 U.S. Code 6802, I am now opting out of any and all authorization I the consumer may have given to Experian written, unwritten, verbal and non-verbal concerning the following Capital One accounts listed on my credit profile with Experian. 

XXXX. XXXX XXXX. XXXX XXXX. XXXX Please promptly delete all items of information related to the accounts listed above from the file of the consumer. Both together and separately my consumer and privacy rights are being violated. The aforementioned accounts are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm, duress and discrimination.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX CARD XXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK N.A. XXXX XXXX BANK N.AXXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have an open line of credit at Keybank which was opened in XX/XX/XXXX. Keybank blocked by online banking and access to the line of credit in XX/XX/XXXX with no explanation. I have tried to get an explanation from Keybank since with no success. I have been making regular payments on the line of credit by visiting a KeyBank branch. 

I haven't violated any terms of credit line.
Product: Credit reporting or other personal consumer reports

I sent my letters off XXXX. I told the credit bureaus to '' INVESTIGATE every piece of information '' on the accounts I have listed below. Also I have attached letters I sent out and here is the tracking number XXXX According to the FRCA The term '' INVESTIGATE consumer report '' Means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reportin agencey can not furnish a account without my written instruction