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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX CAPITAL XXXX BANK XXXX XX/XX/XXXX
Product: Debt collection

After reviewing all of my student loans online I realized that I never opened a private student loan with XXXX XXXX. All of my student loans are federal and have been consolidated. I only have private student loans with another bank and my dad was the cosigner but never through XXXX XXXX. I arranged payments for this account but after reviewing everything this is not my account. I feel I do not owe this bank because I never took out a private loan from them only federal. No payments have been made by me because I dispute the account but the collection agency continues to charge my bank account. I am going to file a complaint with my bank if the payment does not stop. I got confused because I have so many student loans but with XXXX XXXX I researched that all of the loans I applied for should be federal never private and are all consolidated at this time.
Product: Debt collection

Re : US Dept OF ED/XXXX/XXXX Dear US DEPT OF ED/XXXX/XXXX, I have never received any written correspondence from this company. US Dept OF Ed/XXXX added a collections to my credit reports with XXXX, XXXX, and XXXX   which results from crime ( s ) that have taken place. This is invalid. I didn't received any services, goods, or loans from the original creditor. However, I am still held responsible for this debt. That is a violation of THE FAIR DEBT COLLECTIONS ACT by adding a collection ( s ) to my credit reports without my knowledge. It is also a violation of the FAIR CREDIT REPORTING ACT by reporting inaccurate information to data furnishers XXXX, XXXX, and XXXX. You were froward copies of an FTC Identity theft report and a sworn copy of an identity affidavit explicitly stating that I am a victim of a identity theft. Still you fail to comply with laws you are legally binded to adhere to. This inaccurate information is still being reported on the credit reports. It would greatly appreciated if you deleted these accounts. 

Thank you.
Product: Credit reporting or other personal consumer reports

Capitol One SPARK Credit card I had the card for my business ( XXXX XXXX ) the card never reported to my personal credit. and showed a perfect payment history on my Business credit. 

One Day I used it for a large purchase, ( XXXX ) I made some large payments ( XXXX ) payments, made 3 had a smaller balance left. and then It wouldn't let me make a payment, I call and they said this card had to be paid off every month, but I have another Capitol one Spark card for another business XXXX XXXX XXXX. I have never paid it off in the same month and I have never been reported Late. I paid the Balance in full on the Spark Card for XXXX XXXX and closed the account Opened an XXXX XXXX XXXX, Next month they reported my late on my Personal credit for 120 days and one 3 day late a few months before, Yet never reported to my personal credit before. 

I was never made aware, never got a call or email that I was going to be effected like this and now I have Late payments. I have been a customer of Capitol One for over XXXX years now. I cant ever close my Cap One Quicksilver personal card because now my score is low because of these late payment. 

I have called several times and disputed it on my credit report to no avail
Product: Student loan

This is the second complaint I am filing due to XXXX XXXX   's unwillingness to work with me and their malicious business practice.

I graduated from my XXXX program inXX/XX/2018 and had to study for boards before starting work in XX/XX/2018. My loans had been in forbearance because I have been in school for the last 8 years and could not afford {$1200.00} plus a month. I used up my 18 months of forbearance and was becoming delinquent on my loans because I couldn't start my new job until XX/XX/XXXX. I called to ask what i could do to get current and was told nothing could be done and I just had to make as many small payments as I could to bring the loans up to date. I informed them this would not be possible as I am in a XXXX program and barely make {$2100.00} a month so I would never be able to bring the loans current as I was delinquent by ~ {$4000.00} by the time XX/XX/XXXX rolled around and I started making money. I called Lendkey twice monthly from XX/XX/XXXXtoXX/XX/XXXX to work out what I could do to remedy the situation.

In XX/XX/XXXX the loans were ~ {$7500.00} delinquent as my attempts to make {$600.00} payments every other week was getting me nowhere. I made the decision to take a {$5900.00} loan from my 401K to pay this down. The loans are mostly current, I am about 20 days late on 2 of them and will make an additional payment of {$630.00} this month. I called Lendkey again this month to ask what I could do as I was struggling to pay {$1600.00} each month. They told me I could apply to refinance the loans which would lower the monthly payments now that I was mostly current and that I would get approved for a decent rate. I just received notification that my request has been rejected. I am a new XXXX XXXX   in a required XXXX  program trying to help XXXX and struggling to make ends meets. I can not live of off the {$200.00} a month I am left with after trying to pay these loans.

After my initial complaint, the company responded and said I could apply for an extension on my forbearance and/or call the VP of loan servicing. I applied for an extension in the middle of XX/XX/2018and was deniedXX/XX/2018. I have left messages with the number that was provided to me to contact the VP of loan servicing ( XXXX ), no one has gotten back to me. Lendkey also said they have reached out to me to discuss other options available to me. This is not true, no one has contacted me except to tell me that I am delinquent on my loans.

I can not afford to pay what they are asking as I will be unable to pay rent/utilities, buy food/gas, pay licensing fees to advance my career and get better pay. I can't simply go out and get another job due to the nature of my XXXX program and working roughly 60 hours a week. This is unacceptable and I will not risk being evicted or putting my career in jeopardy to pay this ridiculous fee. Because of how late I am on these payments, my credit score has been negatively impacted. Therefore I am not able to refinance or consolidate with another company because this. I will continue to submit complaints until Lendkey and I come to a more reasonable solution/payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer report and saw that XXXX  XXXX is reporting a fraudulent account on my report with a balance of {$5200.00}. I DO NOT HAVE A CREDIT CARD WITH THIS COMPANY. I have reported to XXXX, EQUIFAX XXXX And the information came back verified. After my careful review, i have determined that neither company has accurately verified this fraudulent information because the information is not reporting accurately so that means a proper investigation has not been done. Due to FCRA i am entitled to a fair and equitable consumer report and this is not fair to me. I try to stay on top of my credit and this fraudulent account is hurting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have express mailed my dispute letter, FTC report, and police report to XXXX  at XXXX XXXX  XXXX XXXX, TX XXXX since XX/XX/XXXX regarding a fraudulent account XXXX XXXX XXXX # XXXX reporting date opened XX/XX/XXXX balance {$10000.00}. I have called XXXX  and opened a dispute with a representative on XX/XX/XXXX after mailing my documents. After calling to check to status of my dispute with XXXX  each time I call XXXX  representative keep reopening new dispute which is prolonging my results on my original disputes. I am requesting a complaint to be forward over to XXXX  fraud department supervisor or higher to combine my disputes with XXXX XXXX and complete my results with my original mailed in dispute data as of XX/XX/XXXX FTC report. I have also twice uploaded supporting documentation with Report Number : XXXX Date Generated : XX/XX/XXXX. Please I have called everyday once a day to get help with this fraudulent account XXXX XXXX.
Product: Vehicle loan or lease

in XX/XX/2021 called to make a late payment to honda cause of covid asked to be late was supposed to be ok -- paid XXXX dollars a month later to get caught up now they have gone back and added 30 day late payment after they said i would be ok it was recorded i am the co signer of this lease and i was never notified cause i would have paid this before any late charges very deceptive on hondas part
Product: Credit reporting

It 's not that there is incorrect information on my report, it 's that there is very important information that is missing and should be included on my report. I sent all XXXX reporting agencies complete copies of my XXXX XXXX home mortgages and also an equity loan on the XXXX house, all paid off. I was told by them that they will not accept documents of proof from me and that they only will put on a report what the mortgage companies themselves send to them to report. I can not have these past mortgage companies report to them my good credit with these loans, because the mortgage companies no longer exist. So I 'm asking if somehow this can be rectified because as a consumer I have every right to have all my good credit history absolutely on my report and right now it is not on there. It is not fair that my credit is judged without these items on there, so I 'm hoping that somehow this can be solved.
Product: Debt collection

I sent XXXX XXXX XXXX a debt validation on XXXX XXXX 2017. Amount was for XXXX. XXXX XXXX XXXX never responded. Now XXXX XXXX XXXX is suing me and I did not receive any documents from them. Only documents I received is from XXXX XXXX XXXX XXXX stating that XXXX XXXX XXXX is suing me. The debt is not mine.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$680000.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$290000.00} Late/Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to the none of the aforementioned permissible. Please remove them. 

-XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX XXXX Inquiry : XX/XX/XXXX -XXXX  XXXX Inquiry : XX/XX/XXXX -XXXX XXXX, XXXX Inquiry :XX/XX/XXXX -XXXX  XXXX Inquiry : XX/XX/XXXX -XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been going over my credit report in the past few months. I have sent the credit agencies multiple requests to remove information they are reporting in violation of the Gramm LEach Baily Act AND The privacy act. I did not give these companies permission to share ANY of this nonpublic private information to any third parties. Their unauthorized reporting of this information has caused me a tremendous amount of stress
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information like my name incorrect on Experian credit report Incorrect or old address incorrect My credit report not updated not reporting incorrect tried to call experian they blocked me from calling customer, service and fraud department..
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights.

Below are the details of the disputed account : **Account Name : XXXX XXXX XXXX XXXX XXXXAccount Number : ** XXXX
Product: Credit card or prepaid card

I received a copy of my credit report. There is an account on there that I did not open. I have no knowledge of it. It has been opened by identity theft. The account was synchrony car care credit card. 
SYNCB/CAR CARE SYN CAR Date opened XXXXXXXX XXXX XXXX Account type Charge Card
Product: Debt collection

I have request proof of this debt belonging to be and have not gotten a response. I do not recall this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified events involving me as a victim of ID Theft. Someone has systematically used my information to secure credit cards and purchase cars, additionally repeatedly file bankruptcy in my name as a means to discard the debt and direct the attention back to me as the part responsibility. I have provided the credit bureaus with police report and an outline of my details and they have yet responded to my complaint and seek in any real way to fix or even investigate the problem. 

Your help is need to correct this matter.
Product: Credit reporting or other personal consumer reports

Carmax auto finance is reporting a repossession for a car loan in the amount of {$43000.00} opened in XX/XX/2020, that account is not mine and I sent multiple letters and documents to the credit bureau for the past 18-20 months now, they have yet to resolve this issue, its hurting my ability to buy a house and obtain new credit
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under The Fair Credit Reporting Act ( FCRA ) to conduct reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Mortgage

Applied for a loan modification with Selene Finance in XX/XX/year>. At the time, there was no foreclosure sale date. 

Received a letter XX/XX/year> that my application was received XX/XX/year>, it is facially complete XX/XX/year> and a decision will be made by XX/XX/year>. 

Received a letter XX/XX/year> I receive a letter that they were unable to approve the modification as the " Borrower failed to return signed modification agreement. '' between XXXX and XXXX I never received a modification agreement and Selene does not have a record of sending a modification agreement. 

My modification application was noted as facially complete on XX/XX/year>. If my packet was incomplete, Selene made no effort to contact or give me a reasonable timeline to complete my packet. 

I have been contacting Selene daily for an update and I am continually told something different. I want to confirm if I am being reviewed for a modification and if not, why?
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate the account XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of with XXXX being XXXX of them however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. I have never bought a car with this company ever.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX regarding this issue, but my information remains inaccurately recorded in my profile. I initiated communication in XXXX of this year, and unfortunately, there has been no resolution to date. 
XXXX is obligated by the FCRA to report accurate accounting consumer has advised All the inquires reported was fraud said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX has 15 days to provide the name of the person spoken to, signed application with consumer wet ink signature, consumer is not asking for an e-oscar report, if XXXX does not have documentation to show these were in fact authorized it must be removed as soon as possible. Said company is liable under the SEC to follow certain rules. XXXX XXXX file number.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 XXXXXXXX I will be filing form 211 treasury omb forms to audit consumer account. XXXX is securitizing consumers data yet refuse to provide consumer a copy their.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the Equifax credit breach I have tried on numerous occasions to freeze my credit account and also to sign up for credit monitoring. When trying to freeze my account I constantly get a 500 error code from Equifax stating They are not able to to do this at this time, and then give the address to the 2 other credit agencies to get them to freeze their accounts? On the credit monitoring site, it refuses to go through even though I have given all the required information. 

Something needs to be done to make these people do what they are supposed to do they are making it impossible to protect ourselves.
Product: Mortgage

This company called us asking us to refinance our home and we informed them we were not interested after taking to their representative ( XXXX XXXX XXXX ) and from that point on the harassment started. They called our residence over 15 times during the month of XXXX with different people each time and stating they were form another mortgage company, but all still calling from the same area code in XXXX, Michigan. They used every company which fell up under them, XXXX XXXX, XXXX XXXX XXXX and more. After telling them that their counterpart ( XXXX XXXX XXXX ) was very rude, disrespectful and we wanted nothing to do with them, they took it to another level. They called our current mortgage company, requested a payoff amount, contacted our insurance company and had them stop my direct payment and told them it would be paid through escrow. They created their own email account when they added themselves to our mortgage account as a third party to receive information about our account and they sent in forged forms with my signature requesting they be added as a third party. It was very time consuming to trace all of their steps and have everything they did erased and to keep them from accessing my accounts. This company license should be taken away from them and they should not be allowed to conduct business as an LLC or any form of company. We did not at any time sign any contract or papers with this company, but they pushed forward to disrupt our life and make it extremely stressful to fix all of the things they put in motion.
Product: Money transfer, virtual currency, or money service

purchased clothing in XX/XX/2022 .from XXXX XXXX XXXX received bill in XX/XX/2022 and paid in full. 
continuing to receive bills monthly with added late fees and interest. customer service is deplorable insisting there is no record of payment. supplied copy of check that was sent paid in full and back of the check has proof it was stamped and deposited. 
Please help me solve this. its been going on since XX/XX/2022 and the bill is now up to {$310.00} Sincerely, XXXX XXXX XX/XX/2022
Product: Debt collection

I have told this company CBE Group multiple times that they have a wrong number and the will not stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each company claim I don't have a account with them. So never resolved issues.
Product: Mortgage

New Rez has not paid my school taxes out of escrow. They were due by XX/XX/XXXX to get the 2 % discount. I called 3x sent an email with a copy of the school taxes in XX/XX/2020 ( even though they stated they already had a copy ). I was told the issue was escalated, that a check would be overnighted to my township to pay the taxes. As of today XX/XX/XXXX, the money is still in escrow.