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

I was a victim of identity theft and someone open credit cards and bank accounts with my information I got a police report and I've ben disputing these fraudulent accounts with the credit bureaus and most of them have been deleted from my report but a few of them the banks send them back as accurate i don't know why? even doe they have a different address and phone number on file and that's why I'm here disputing these accounts so they can finally be removed from my credit report. 
account # XXXX date opened -- XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXXl, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Student loan

Dear Consumer Financial Protection Bureau : This pertains to a complaint against MOHELA ( Official Servicer of Federal Student Aid ). I have made over XXXX consecutive student loan payments in the course of 9 years, in the amount close to {$50000.00} total. The original student loan amount handled by MOHELA was {$72000.00}. The current balance still due shows {$76000.00}. I have contacted MOHELA in an attempt to receive my account payment history since XX/XX/XXXX, and I still have not received the information I requested for as of this writing, on XX/XX/XXXX. I have already filed with the Department of Education regarding this matter, on XX/XX/XXXX. 

The last correspondence I received through the postal mail from MOHELA was dated XX/XX/XXXX. This correspondence did contain partial payment history that included a total of {$11000.00} in payments, ending on XX/XX/XXXX. There was no consecutive payment history from XX/XX/XXXX to XX/XX/XXXX. Assuming that there were no typos in the page designations, I only received XXXX XX/XX/XXXX and XXXX XX/XX/XXXX ( XXXX pages in total were missing from the letter ). I believe that this was a gimmick on the part of MOHELA, to purposely and constructively deny my request for a full payment history. 

Furthermore, there is no information pertaining to my payment history on the MOHELA 's Website, and paperless delivery to my registered e-mail account never occurred, despite the fact that I had made multiple requests. 

I am therefore requesting for assistance from the Consumer Financial Protection Bureau regarding this matter. I would like to receive my payment history from MOHELA, but I suspect purposeful delay, dereliction of fiduciary duties, negligence, or something worse on the part of MOHELA. 

All I wanted was my payment history from MOHELA, but now I can't help but to wonder if MOHELA processed my payments correctly, because my balance due did not decrease much despite all the payments I made. Furthermore, there is absolutely no information regarding my payment history on MOHELA 's Website, which raises obvious red flags. As such, I can't help but to wonder if I had to pay more for my student loans because of MOHELA 's shady business practices. Also, MOHELA has consistently failed to respond to my requests and complaints. I am therefore wondering if MOHELA failed to perform its fiduciary duties as a student loan servicer. I am also wondering if MOHELA is fraudulent, in one way or another. 

Although I understand the workload and the potential backlog at the Consumer Financial Protection Bureau, I have little choice but to make this request. 

Thank you very much for addressing my concerns, and have a wonderful day.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on Account [ XXXX ] Dear CFPB, I am filing a formal complaint against your bureau for failing to correct inaccurate information regarding late payments reported on my credit report for account [ XXXX ]. Despite multiple requests for correction via disputes submitted on XX/XX/XXXX and XX/XX/XXXX, no action has been taken to address these inaccuracies. This lack of resolution is a clear violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting on this account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. Your bureaus continued inaction contravenes this obligation. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The erroneous reporting of late payments has caused significant and undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The failure to correct this inaccurate information reflects non-compliance with these provisions.

Discrepancies and Account Information : Below are the discrepancies observed on my account : Account Details ( Equifax ) : Account Number : XXXX High Balance : {$2400.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Account Status : Open Payment Status : Current Two-Year Payment History : Erroneously reported 30-day late payment for XX/XX/XXXX Desired Resolution : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation of the corrections. 
Supporting Evidence : Copies of my payment history showing timely payments. 
Correspondence regarding previous disputes submitted on XX/XX/XXXX and XX/XX/XXXX. 
Relevant sections of the FCRA and TILA demonstrating your obligations.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies.

Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

First Associates XXXX XXXX continues to indicate I owe a debt to them ; however, they continue to refuse to communicate anything with me when I call to get them to verify the information. I never opened an account with First Associates or XXXX XXXX, and that account needs to be removed from my consumer report ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The Federal Student Loan company sent a letter confirming that they would update my current status and I wanted to submit the new letter to XXXX.
Product: Debt collection

I disputed this account through XXXX and it was not removed from my account I am not responsible for this debt
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXXXXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, a credit card account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, a credit card account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with The XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have been dismissed due to long term XXXX. Naviant still has my account showing as a bad debt. As well as has the same account multipal times on each credit report. It also shows they no longer have the account but has not removed the information. They are double dipping at the very least.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 

Account Name : XXXX Account XXXX : XXXX Remove off my report immediately! 

Account Name : XXXX  XXXX Account Number : XXXX Remove off my report immediately! 

Account Name : XXXX  XXXX Account Number : XXXX Remove off my report immediately! 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018-I submitted two letters to XXXX regarding an account that recently showed up on my report in which I am disputing. I have no knowledge of this account and asked that the physically/manually verify this account information. The results of their investigation are simply, " verified '' however, i have asked that multiple items of this debt be verified because it does not belong to me. I have also found that the accounts in question XXXX XXXX, based in Utah and XXXX, with an address in Ohio and Florid may not be licensed to collect in the state of Florida. I am in the process of submitting a complaint to the FTC Department. 


XX/XX/2018-I received results of the investigation simply stating the following, " the company that reported the information has certified to XXXX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. "  XX/XX/2018-I sent a certified/return receipt letter to XXXX formally asking that they provide actual EVIDENCE that I have a legal obligation to pay and ask that they provide detals of the monies they say I owe as well as provide me with a copy of the judgment they received, to identify the original creditor, copy of an agreement, as well as a copy of their license to collect in my state. I received noticed from them XX/XX/2018 simply providing a list of accounts with balances and no further details of what I had originally requested. 

XX/XX/2018-XX/XX/2018 and XX/XX/2018 I have also sent a re investigation request into the accounts that XXXX/XXXX/XXXX  claim that they have verified via certified mail. 

XX/XX/2018-I sent a letter to the collection agency XXXX XXXX asking that they provide me with the full details of what they claim I owe, license information, original creditor information, payment history, proof they are licensed to collect in my State which I have found they aren't, as well as a cease and desist letter since they have attempted to contact me at my place of work as well as social media platforms on XX/XX/2018 and XX/XX/2018. I provided they with my findings and a copy of the Florida Statute they are in violation of. 

XX/XX/2017-XXXX sent notice that the accounts in question had been removed due to unable to verify, however, XXXX is refusing to comply. 

I have been disputing the debt with XXXX since last year and XXXX is the only company refusing to comply and be in line with the other companies that have already deleted this information that could not be verified. In turn they are repeatedly sending me basic information as to how they verified with the third party these debt belonging to be which is a clear violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan with XXXX dealership on XX/XX/17. I approved of the inquiry to check my credit for an auto loan with XXXX XXXX. I never approved of any add'l credit check thru XXXX dealership . For the same loan they ran 2 hard inquiries on me on the same day. Only 1 inquiry should be recorded not XXXX. 

1. XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

someone put a car in my name and i showed police reports to get it removed and all of the credit bereau has removed them except oneXX/XX/XXXX and when i contacted them even tho its pass 10years they said they have to remove it when it was reported to them which would be XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

As I was checking my credit report almost two years ago I received public service forgiveness on my under grad student loans acct number XXXX. It makes me angry to see Mohela has my student loans listed on my XXXX  account written disputed consumer and on XXXX student loan fixed rate. This is listed on my XXXX account too which I see you closed on XX/XX/XXXX Why would I dispute my federal student loans Mohela needs to upgrade my students loans to its rightful status and remove this lie as well as XXXX  these companies should not be allowed to write these un truths on consumers credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

last month i took a look at my credit report and noticed that i had XXXX fraudulent accounts on my credit report.
Product: Mortgage

I haved lived in thos house for 7 years+. Every year my mortgage goes up and XXXX Mortgage says its because of escrow. When we moved in the payment was 570.00 dollars and has went up like five or ten dollars every year. We get letter this year it has went up to XXXX when will it stop? we almost cant afford the increase!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XX/XX/2022 and XXXX on XX/XX/XXXX about an account that keeps reappearing on my report after being deleted. Reinsertion goes against FCRA regulations. The account XX/XX/XXXX which reported on XX/XX/2022 is a reinserted account for XXXX. The representatives of both let me know to upload an FTC document in order to get this taken off. It appears that their online uploading tool is not working as the bureaus still keep reporting this account after sending them such documents.
Product: Mortgage

yes i worn a law suit against chase mortgage i recieve my deeds full owner ship a year ago and they have ohold on me my credit all credit beau they surpose to had clear that please help me.
Product: Payday loan, title loan, or personal loan

I had a contact with XXXX law firm to consolidate all of my Credit Cards and personal loans to negotiate and settle each account. I deposited over {$11000.00} into a special account that XXXX would use to pay off accounts. XXXX has said they had no affiliation with XXXX. When I received the call from Consolidated-Plus Loans advising me that they would loan me funds to pay the accounts ; however, many accounts had already being settled and paid. There wasn't anything informing me about a 22 % interest rate, fees, or length of loan. The loan paid off is {$27000.00} for 5 years which is more than all the Credit Cards and personal loans combined. How the monthly payments equals the same amount i was depositing {$550.00} in the special acct for XXXX is uncomprehend nor understandable to me. Especially since there only three remaining accounts. Two XXXX XXXX and a chase. The XXXX XXXX accounts totaled {$10000.00} and the XXXX was {$900.00}. I tried to view the accounts I had and the dates of their pay off but all of that information has been deleted. These two companies are working together against honest people attempting to improve the credit worthiness and being taken advantage of. I can not have a 5 years burden on my back paying more the the original cost to pay off all of my accounts. I 'am a retired veteran of 24 years serving this country, 13 months in a foreign country to give companies like these two the right to use their power to pend American down financially under the impression of assisting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/XXXX I tried to buy another home for renovation purposes. My loan officer informed me I had a missed payment from XXXX XXXX in the amount of {$3400.00}. This was an accumulation of missed payments from earlier years in which I had a hardship and remodified the loan. The mortgage was now current. I received the necessary documents from XXXX XXXX reflecting the loan was current and thought I rectified this issue with them and Equifax. As only Equifax is the only credit bureau reflecting such a negative impact due to this. I attempted to buy another house for renovation in XX/XX/XXXX ; again my loan officer informs me that I have missed payments from XXXX XXXX. This can not be as I am on automatic bill payment. XXXX XXXX did provide me with documents on multiple occasions to submit to Equifax ; however Equifax told me they can only report what is reported to them. It is possible that XXXX XXXX is erroneously reporting to Equifax. As I followed up with XXXX XXXX and I was informed that they should not have been reporting at all due to a bankruptcy filed by co-borrower. However co-borrower " Quit Claimed '' themself from deed. XXXX XXXX at that time informed me they would start reporting my on time payments. However after my last few conversations with them, they have sent me correspondence saying that they will not report anything on my credit report. Review of my credit report reveals they have removed my good payment reporting, and have left the negative report from XXXX. Since I started dispute with Equifax and XXXX XXXX in XX/XX/XXXX, my credit score has dropped on Equifax alone by 93 points. This is an egregious disservice and wrong to me, and is severely impacting my life. XXXX XXXX nor Equifax wants to help solve the problem and continuously shifts the blame, while leaving me as the consumer negatively affected. I need help, as credit is a resource that has a huge impact on one 's financial outcome.
Product: Credit card or prepaid card

I received a call on XX/XX/XXXX from this collection agency called First National Collection Bureau. The representative stated that my credit card went into collections and they were looking for payment. I asked what type of card it was and when it was opened. The credit card is a XXXX credit card and it was opened in XXXX. Now, I have never had a XXXX  credit card and I had to deal with Identity theft back in XX/XX/XXXX. I requested some statements and I received them. It has my maiden name on it which i have been married for almost 4 years and my current address that I provided. The address listed on the statement connected to the card is XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. Now, I have never lived outside of Massachusetts my entire life and I am 44 years of age. There is a transaction for XXXX apartments which I have never lived in. What are the next steps on reporting this as fraud and removing this from my credit? Please I need some help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted XXXX XXXX, Equifax and XXXX in regards to the validity and factual information regarding late pays on 2 specific credit cards, i was not notified or was i allowed access to the information gathered to validate the investigation. all 3 bureaus did not send accurate information regarding the investigation and what the process entailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that SYNCB have placed an inquiry on my XXXX  credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both SYNCB and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false  pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''