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

XXXX XXXX XXXX MICHIGAN XXXX XXXX XXXX XXXX, XXXX, MI XXXX Case Number : XXXX Please remove inaccurate reported late payments update to paid as agreed I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory dost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with
15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue. 

Your prompt attention to this matter is greatly appreciated. 

Sincerely,
Product: Checking or savings account

I had to close my account due to Fraud. I was advised any transactions that tried to go through I would be notified, I was also advised since I did n't have enough time to reroute my DD they would auto send it to my new account that I have ( with them ). That is n't the case. I have. Even calling since last Friday and have been told now it will be later in the week that my DD will be credited. I 've asked for a supervisor and was told there is n't one available. I have asked to speak with the specific fraud specialist ( XXXX ) and told no. Her notes are on my account so I know they can contact her. I 've called my local branch no luck. Meanwhile my bills are trying to go through ( auto debit XXXX of month ) and being rejected and I 'm getting charged fees! HELP!!!
Product: Credit reporting or other personal consumer reports

I am writing to request the steps your company undertook during the investigation of the disputed items. Please provide a detailed explanation of how you arrived at these conclusions. Specifically, did you receive written notification from the company or was it a verbal confirmation? 

Additionally, I would like to know the address to which you sent the request or the phone number you used to contact them. Please refrain from sending a generalized response outlining typical investigation procedures. I am seeking a detailed accounts of how you obtained these particular responses. 

Below are the accounts that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 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 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 INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX to who it may concern I am writing this to delete the following information in my personal file. The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my concerns. 

Violation of consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number : XXXX with credit card that end in XXXX has been paid with a {$0.00} balance but it is reflecting an incorrect balance on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent letters to the three national reporting agencies, XXXX, Equifax, and XXXX regarding incorrect personal information and accounts. Not only are my names incorrect, but there are very concerning accounts whom of which I have no connection with on these credit reports. This is causing many issues and hardships in my life. With the rising prices in rentals, I am finidng myself needing to secure my own home and this is holding me back. 

Starting on or around XX/XX/2022, I sent each of these agencies letters and included documentation to show proof of who I am which was the new Real ID through the XXXX and proof if address. XXXX responded saying they would not move forward because they did not believe it was me. Equifax and XXXX totally ignored the letters and I received zero feedback.
Product: Student loan

Mohela has been horrible to work with. First, my Spousal Consolidation loan should be discharged. I am still having to make payments, although currently I am in forbearance.

Second - I have worked with them on the following dates to set up Income Contingent Repayment plans : XX/XX/ - dealt with XXXX and XXXX - stated Spousal Consolidation " should be discharged here soon. '' In addition, set up the ICR plan for my remaining loans. 

XX/XX/ - transferred from CSR XXXX to XXXX XXXX XXXX XXXX DID send me the form showing the ICR payment - I signed and returned. They denied ICR plan because they said I didn't submit the information. I just submitted the form AGAIN on XXXX XXXX XXXX 

I qualify for PSLF. HOWEVER, I can not make my payments unless they are at the lower amount. Mohela keeps stating I never submitted the form they helped me complete!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account Name U.S DEPARTMENT OF EDUCATION Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF ID THEFT, THE ACCOUNTS BELOW ARE NOT MINE. 
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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$1700.00} is reporting inaccurate information. This debt was settled out and paid in full. There is NO BALANCE! Account opening date is INCORRECT AS WELL! PLEASE DELETE! 

XXXX XXXX XXXX {$17000.00} is reporting inaccurate information. The debt is completely WRONG! I even sent proof of my lease, to this XXXX XXXX XXXX and was told this would be removed. Which is STILL on my report! XXXX XXXX XXXX is committing fraud! Even tried to get a rental assistance funding in my name as well. For not wanting to renew my lease another year, which i got a lawyer involved in. PLEASE DELETE FROM MY CREDIT REPORT! 

XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The Payment status is incorrect! PLEASE UPDATE TO PAID ON TIME!! 

XXXX XXXX as of XX/XX/22 is reporting inaccurate information. This account was NOT A CHARGE OFF!! THIS WAS PAID IN FULL! REMOVE THE NEGATIVE REMARKS AND UPDATE!! 

XXXX as of XX/XX/22 this account was paid in full. PLEASE REMOVE FROM CREDIT REPORT!! 

XXXX  XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The amount past due is incorrect and the remark! This was NOT A CHARGE OFF! PLEASE DELETE FROM REPORT! XXXX as of XX/XX/22 is reporting inaccurate information! The account status, payment status and amount past due is INCORRECT! PLEASE DELETE FROM REPORT! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The remarks are incorrect and this was PAID IN FULL! NO CHARGE OFF! PLEASE DELETE FROM REPORT!!
Product: Credit card

These accounts were opened without my consent or knowledge. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is a loan that has been reporting since XX/XX/XXXX. California Statute of Limitations is 4 years and its still reporting. Experian refuses to remove account.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX : # 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 suppose to modify accounts that isn't reporting correctly.

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: Debt collection

Someone took my information when I got robbed cause false info to appear on my credit making it hard for me to find opportunities such as leasing getting a car Ive been a victim of identity theft but was took young with little knowledge to file a police report
Product: Credit reporting

I have been a victim of identity theft. I requested my free report from www.annualcreditreport.com but was denied as they said I had requested one in the last 30 days which I have not. I need a copy in order to determine if any other accounts have been opened in my name illegally.
Product: Debt collection

I have contacted Aargon agency in regards to my credit report. I have been a victim of fraud. I sent Aargon agency a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to Aargon agency to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX  ) and Aargon agency disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Aargon agency and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I looked at my report back and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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 are not complete and accurate. And one more thing according to 15 USC 1681s-2 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. I appreciate your help
Product: Debt collection

They brought me court papers but no case number, court date or name of judge. And once I got all my research done I found out that their client 's were negligent in handling a co-pay and insurance at the XXXX XXXX XXXX XXXX. I gave them the facts of my side of the issue. And the lady followed by the thing in which they are a male but not Gentleman 's Club material per-sey. YELLED at me and BELITTED me and told me that I have ZERO rights to a lawyer or to any kind of a fair court hearing. And they REFUSED to take any of my evidence and such into consideration. So, I'm getting endlessly harassed with their phone calles with their rude, unprofessional, unpleasant and condescending employees who are just horrible. 

Just a little update, they dragged me through the courts. And refused to let me even know that I had to pleade to the judge. And they made it so that I had a failure to pleade in court. And now I have to somehow come up with XXXX XXXX and pay ot all or nothing and if I don't, I will suffer the consequences. They have continually harassed me each and every morning causing me to be around 3.5 hours late for a few months, even causing me to miss entire days of work. And it has resulted in a considerable amount of lost wages. I am a low income earner, and they more or less don't care and they screamed at me for lying about being a low income earner and states that I am making XXXX  an hour when I'm making around XXXX  an hour. And this is on minimal part time hours. 

They Mountain Land Collections company who they are obviously in bed with refused my XXXX dollar a month payments and they kicked it back in my face refusingthe payment and money that I was giving them. And the lady just shouted at me highly unprofessinally and she cussed me out big time. I have filed earlier today with the XXXX. So, they more or less aren't willing to work with you and be accommodating with you. They just want to make themselves a horrible financial burden. And make you suffer. 

One more thing, when I was working on disputing the initial debt, I was served more papers showing that a promissory agreement contract was signed in my name. I never signed it, looking at the signature collected, it isn't mine, it's a forgery.
Product: Credit reporting or other personal consumer reports

I dispute the inaccurate reporting of my XXXX XXXX account XXXX Inconsistencies : Charge Off/Pays As Agreed, missing purchaser info, incomplete payment history. Account reported past FCRAs 7-year limit. XXXX XXXX and Equifax are responsible. Per XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), FCRA, and XXXX XXXX XXXX XXXX XXXX, I request {$7500.00} from each entity for violations.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, VA XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, TX XXXX Account number : XXXX XXXX. Unknown Creditor - No name or contact info listed on report Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have patiently waited for XXXX, TransUnion and XXXX to accurately report information from five accounts, and I will gladly provide account information and records. Its been over 2 years and in accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report. 

On XX/XX/XXXX XXXX completed its investigation of my dispute ( confirmation number XXXX ). 
On XX/XX/XXXX I submitted a dispute and XXXX informed me that within 30 day I would receive a response on XX/XX/XXXX however after 63 days on XX/XX/XXXX XXXX completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and XXXX informed me that within 30 day I would receive a response on XX/XX/XXXX however after 62 days on XX/XX/XXXX XXXX completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and XXXX informed me that within 30 day I would receive a response on XX/XX/XXXX however after 45 days on XX/XX/XXXX XXXX completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and XXXX completed my dispute on XX/XX/XXXX ( confirmation number XXXX ) On XX/XX/XXXX XXXX completed my dispute and provided creditor remarks as paid, closed, {$580.00} written off however on XX/XX/XXXX they provided inaccurate information as reported on my recent credit report from XX/XX/XXXX. 
On XX/XX/XXXX XXXX completed my dispute of account XXXX which is another account that on my recent credit report from XX/XX/XXXX and is inaccurate. 
On XX/XX/XXXX XXXX completed my dispute of account XXXX which is reported inaccurately on my recent XX/XX/XXXX credit report. 
TransUnion account XXXX, XXXX, XXXX is reported inaccurately on my credit report. 

The Credit Bureaus stated my account was properly investigated but, how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal and XXXX, TransUnion and XXXX have violated my right under 15 U.S.C 1681 section 602 A that states I have the right to privacy and 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

The inaccuracies reported by the XXXX, TransUnion and XXXX is a violation of my rights under the Fair Credit Reporting Act and has prevented me from career opportunities.
Product: Mortgage

My loan was sold from XXXX XXXX to SLS since then the new Leander increase my payments without any reason and when I call they just give me an answer just to push me away without fixing the problems. Also, when I get an answer the next time I call they tell me we are sorry that the agent giving you the wrong answer. 
I pay my mortgage including the tax and the insurance. But they come to and asking me to pay more shortage in the tax. Last week I pay {$670.00} over the regular payment of my mortgage and tax/insurance. And still problems I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXXBalance {$6400.00} XXXX  XXXX-XXXX-Balance {$13000.00} XXXX XXXXXXXXBalance {$2200.00}