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

Late Payment Removals " a creditor may not treat a payment on a credit card account under an OPEN end consumer credit plan as a late for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information by section 1637 ( b ) of this title is mailed or delivered to the consumer 21 days before the payment due date. '' CFPB I recently reviewed my consumer report and I noticed that there were XXXX late payments on my account with XXXX that I haven't been late for XXXX days. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. 
According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX for the month XXXX XX/XX/XXXX to XX/XX/XXXX, be updated to paid as agreed on time or DELETED. Thank You! Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
I hereby request that Experian : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items, XXXX XXXX XXXX XXXX Balance XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX MO, XXXX SW. XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED NOR THEREFORE ANY SUCH DEBT IN FACT THEREFORE EXIST PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814
Product: Student loan

Around XXXX of 2022, I made a request to Great Lakes for a refund of the payments made during the Federal student loan payment pause. I received a payout on XX/XX/2022 of these funds, however, my loan balance changed to a number I did not expect. I tried to reach out to the company over and over to no avail. Then the loans were transferred to Nelnet, with this new balance and no ability to view my account history. There is about a {$10000.00} discrepancy between my current balance and what I believe it should be. I was awarded around $ XXXX in students loans during grad school. I finished paying off my old XXXX loan at that time as well. My loan was awarded in 4 payments of around {$7500.00}. I know that I paid at least one back in full as soon as it was received, and then I paid $ XXXXmonth the rest of the time. Even with the refunds from the period of the payment pause where I kept making payment, my balance is still {$10000.00} more than it should be. I didn't think there was anything I could do about this after the lack of response from Great Lakes, but I've recently seen cases of the same thing happening to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE INQUIRIES EVEN WHEN CALLING TO SEE WHY THEY ARE THERE THEY CANR FIND INFORMATION UNDER MY NAME. THE INQUIRIES ARE : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX   XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX ( FALSE INSURANCE DOCUMENTS, MISSING MY SOGNATURES, DAUGHTER DOWN AS BENEFICIARY WITHOUT CONSENT, MOTHER DOWN WITHOUT CONSENT, SHOWS XXXX ETC PROTECTION ), XXXX ( HAS AN ACCT USING MY MINOR XXXX YR OLD SON SSN ), XXXX  AND XXXX REPORTING UTILITIES AND FUEL ( DEF FRAUD ), XXXX REPORTING THE WRONG EMAIL, ADDRESS, NAMES, FRAUD STUDENT LOANS ( THEY WONT LET ME UPDATE THE CPRRRCT INFO, IRS AND XXXX XXXX FROM CALIFORNIA HAS INQUROES, RESELLER FOR RESIDENTIAL  PROPERTY, THE ONLY THAT HAS SENT MY COPY OF REPORT IS XXXX AND INSIDE THE ENVELOPE IS SHOWS THREE REPORTS WITH 3 DIFFERENT ID NUMBERS, ALL THESE STUDENT LOANS, REPORTING FALSE PHONE NUMBERS XXXX, FALSE ADDRESSES, A NAME I NEVER USE XXXX XXXX XXXX, THEU REFUSE TO PLACE MY RESIDENTIAL ADDRESS DOWN WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, THE CONSUMER STATEMENT SHOWING XXXX IS MY MOTHERS OLD NUMBER LINKED TO HER AND MY FATHERS DEBT XXXX  XXXX  XXXX ( XXXX ) XXXX XXXX XXXX, XXXX REFUSES TO UPDATE INFO AFTER IVE SENT 3 TIMES ( MAIL FRAUD DUE TO THEM NEVER RECIEVING MY MAIL ) CENTURY LINK REPORTING THE WRONG ADDRESSES LINKED TO XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, BRAND NEW STUDENT LOANS WHEN IVE NOT BEEN IN COLLEGE IN ALMOST 10 YRS, XXXX REPORTING A BREACH ON MY INFO BUT DUE TO MAIL FRAUD THEYVE NOT RECIVED MY DOCUMENTS FOR ME AND MY KODS XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS 9 DIFFERENT USER ID INFO WITH INNOCRRECT SSN, MAILING ADDRESSES, PHONE NUMBERS, THERE ARE FALSE/FAKE SOCIAL MEDIA ACCTS ON XXXX XXXX XXXX XXXX PERTAINING TO MY BREACHED COMPANY XXXX XXXX THE CREDIT REPORTING AGENCIES WONT SEND ME A COPY EVEN WHEN IVE PAID OF MY COMPANY INFO TAXID XXXX XXXX XXXX WHICH IS REPORTING MY PERSONAL CREDIT REPORT, EMAILS ARE BEING COMPROMISED MY MAIL IS COMING IN 3 'S AND ALL MY IRS AND XXXX XXXX MAIL IS BEING OPENED AND POSSIBLY SWAPPED WITH THE WRONG INFO, ALL INSURANCE INQUIRIES ARE FALSE, ALL XXXX, XXXX XXXX BELONGS TO MY FATHER, ALL STUDENT LOANS BELONG TO MOTHER AND SISTER XXXX XXXX XXXX, XXXX XXXX XXXX HAS MY MINOR CHILD XXXX XXXX PHOTO LISTED UNDER MY ACCT, XXXX XXXX XXXX IN XXXX HAS MY FULL NAME AND DAUGHTER SSN LISTED WITH LINKED MEDICAL RECORDS THEY WONT GIVE ME ON FRAUD RETURNS, XXXX IS MY MOBILW CARRIER BUT XXXX XXXX ACCTS KEEP POPPING UP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX {$950.00} XXXX XXXX XXXX ACCOUNT : XXXX XX/XX/XXXX {$690.00} SPRINGOAKCAP XXXX XX/XX/XXXX {$800.00} 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I get between 5 and 10 calls per day from USAA. I talk to the first caller in the morning, and the calls still continue the rest of the day. We lost our business in XXXX, so we have not been able to keep up with our credit card debt ... we are just trying right now to save our home. I tell them all the time ... when I have some money, and get ahead ... I will start taking care of the debt ... but it does n't matter, the calls continue all day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several companies listed inquires on my report that I did not personally request. I have contacted XXXX and notified them that I have been a victim of this and got no resolution.

KOHLSXXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018, XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available Inquiry Type : Individual Requested On : XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Transunion on XX/XX/2019. I saw thet there was negative information reported by XXXX XXXX? XXXX  XXXX in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$790.00}. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Transunion Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to b provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legaly binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had faied to provide me with a copy of any viable evidence, bearing my signature, showing thw account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Product: Mortgage

When I bought the house XXXX  there was a bathroom needed to be completed, 6 months later work was finished. I was told a inspector  would look at it to make sure. No one came. I called several times, finely thy said take pictures send them I did, said thy revived them, thy will send money. The amount with held from escrow was {$600.00} dollars. I have called 2 to 3 times every year, sense. I should be owed interest and some money for inconvenience. I could have used that money. Last time I called I think about 4 months ago, meany calls before that. My understanding was complete work you will get your money back, why did that not happen, I reminded them every yr for 11 years. Whats going on. Thank you
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX  because they reported a balance with remarks as a charge-off. According to the law, they are supposed to provide the 1099-C showing the charge-off. When I called to receive this document, they refused. The account has been charged off for 3 years, and I have not received the tax form for the year it was charged off. Under the Internal Revenue Code Section 6050P, creditors are required to issue a Form 1099-C for canceled or charged-off debts exceeding {$600.00}. I am requesting verification that this debt complies with federal tax reporting requirements. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I dispute the accuracy of this debt as it appears on my credit report. Please provide evidence of the validity of the debt and any related tax documents, or correct/remove the entry if it is inaccurate.
Product: Student loan

I enrolled at XXXX XXXX XXXX in XXXX, TN. Under the terms that I would attend school online and not in a classroom. I would also have assistance obtaining a job upon graduation. I started school, and never had a chance to take classes online. After starting I had to find a baby sister since the advisors never enrolled me in online classes. I also missed classes that I had to pay for due to me working during the day, and they had me scheduled for day classes. I was never able to obtain assistance in finding a job. I had to withdraw from school due to financial issues and finding a baby sitter for my small child. After getting the run around the school closed immediately.
Product: Credit reporting or other personal consumer reports

I am not connected to the mentioned creditors, and the inquiries are incorrect.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$3100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I have been trying to communicate with the " Advanced Department '' at Mohela since XXXX XXXX XXXX. 
I have been accepted into the Public Safety Loan Forgiveness ( PSLF ) and just paid my XXXX qualified payment in XX/XX/year>. I verified my employment thru the proper methods multiple times and all of my payments indeed qualified. This XXXX milestone was the target to complete the PSLF terms. I contacted XXXX XXXX XXXX to request the next step. 
They informed me that they are ready to process the PSFL forgiveness but Mohela has not updated their website since XX/XX/year>, which shows that I had only made XXXX payments. As soon as they get the payments updated from Mohela, they will forgive the loans. I have been trying to communicate with the correct people at Mohela since XXXX. 
I have tried several times waiting XXXX minutes each time just to get thru the phone trees and then eventually several hours either on hold or awaiting a call back. XXXX times, after waiting for hours I did end up speaking with a representative. They informed me that I was indeed compliant with the terms of PSFL program. They have been receiving all of my payments and that I was now paying extra payments. They assured me that any additional payments would be refunded, however they informed me that they were not the correct department to update the XXXX XXXX website. They forwarded me to the Advanced Department who would be able to update the XXXX XXXX website. I sat on hold for hours and there was not an opportunity to have them call me back. 
The XXXX time I waited XXXX hours on hold until I could not longer wait any longer. The XXXX time I waited XXXX hours with no answer. I have since tried the phone tree to call and leave a message to try and attempt to reach this department again. I did receive a call from another rep who reviewed the notes on the case and tried to forward again to the Advanced Department. She would not provide me with a direct number to call the appropriate department to prevent me for waiting hours, She reported that I needed to go thru the process each and every time. She did apologize and I sat on hold a final time only to be disconnected after XXXX hours. 
In the meantime, my automatic payments continue to be deposited into Mohelas accounts and I am not able to cancel these payments. I tried signing into my Mohelas account. I signed in and there was a message that they have a new platform wit a link. I was redirected to this website and none of my credentials will work. When I try to hit forgot my username, this new platform does not recognize my SS #, Mohela account # or name. 
I can not get anyone from Mohela to discuss this case and have them place me into a forbearance to stop taking additional payments and give them the opportunity to update to XXXX XXXX website so they can process the PSFL process. 
Please, please, please, help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple letters over the past two years addressing the issue of identity theft and it seems like i always get a contradicting computer generated response to my questions, concerns and issues i am addressing.It seems as if the bureaus are trying to go around the FCRA and creating unnecessary work for themselves for example, the last letter received stated that the info on my report would not be blocked, instead Equifax would contact each creditor directly which is something i didn't ask, to then turn around in the same letter and say they could not verify my identity and could not locate a credit file.
Product: Credit reporting or other personal consumer reports

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

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 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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 in accordance with the Fair Credit Reporting act XXXX  Account # 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: Money transfer, virtual currency, or money service

Ive activated this new app called active hours which allows me to get my money in advance but it says there is a problem with my bank.
Product: Credit reporting

I have now mailed Equifax twice, on XXXX/XXXX/2015 and XXXX/XXXX/2015, and asked for an investigation to be conducted on specific accounts I question on my report. They have not responded to me. I will attach the letters I did send them copies of my drivers license, social security card, and phone bill BOTH TIMES. 
I demand a response immediately and sanctions levied for willingly breaking federal law!
Product: Debt collection

On XXXX different occasion and now a third tine I have requested this collection agency LVNV Funding ( c/o Resurgent Capital Services ) to provide me with an original signed contract and payment history from the original creditor as well as a signed contract from the original creditor allowing this company to pursue collections on this debt. This creditor is reflecting on my credit reports for & XXXX which I do not owe to LVNV Funding Opened XX/XX/year> and has been reporting for XXXX years without any validation provided to me per my request. Hence, this request clamaint request. To date, this creditor has not provided me the details requested to validate my owing this debt to them ( LVNV Funding ) or their right to collect on this debt via a signed contract from the original merchant and/or creditor. 

XXXX XXXX XXXX ( XXXX ) XXXX