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

I have disputed these accounts and they still have not been reviewed or investigated correctly, nor have they been updated to correctly show they are in dispute. This is a major violation to my investigation rights under the FCRA. I have attached explanation of inaccuracies and screenshots of the most recent credit report. Since you can not investigate properly and choose to ignore the inaccuracies and inconsistencies I will point them out for you. 

1. I AM NOT disputing ownership. Please do not mark as verified by stating we verified the account is yours. PROPERLY INVESTIGATE the validity of the INFORMATION BEING REPORTED of these account as they are not reporting consistently I last disputed this account written on XX/XX/23 and electronically via CFPB on XX/XX/23, it is not showing a last verified date or the account status as in dispute. Equifax has reported that this creditor confirmed this account was accurately reporting, but their reporting information shows definitely since there is not a last date verified. Please remove for inaccurate reporting.
Product: Vehicle loan or lease

I HAD A LOAN WITH XXXX XXXX ON AN XXXX. I TRADED THE VEHICLE IN TO MERCEDES BENZ FINANCING AND PURCHASED A NEW CAR FROM THEM IN XX/XX/2020. A MONTH OR SO AFTER TRADING IN MY VEHICLE, I WAS MADE AWARE THAT MERCEDES FINANCING DID NOT COMPLETELY PAY OFF MY VEHICLE, AND THERE WAS APPROXIMATELY {$100.00} REMAINING TO BE PAID. I WOULD LATER FIND OUT AFTER SPEAKING WITH SEVERAL REPRESENTATIVES, THAT THIS WAS BECUASE THERE WAS A DELAY IN SENDING OUT THE CHECK TO THE PRIOR FINIANCING COMPANY. BECAUSE OF THIS ERROR THAT WAS NOT THE FAULT OF MINE, MY CREDIT WOULD ALSO SUFFER BECAUSE OF THE LATE PAYMENT THAT I WAS UNAWARE OF. I HAVE BEEN CALLING MERCEDES SINCE THEN TO RESOLVE THIS ISSUE AND THEY STILL HAVE NOT DONE SO-AND IT HAS BEEN OVER 4 MONTHS. IN AN EFFORT TO NOT HAVE MY CREDIT FURTHER IMPACTED, I COMPLETED THE PAYMENT IN THE AMOUNT OF {$110.00}, ALTHOUGH IT SHOULD HAVE BEEN PAID BY MERCEDES FINANCING. I WAS ALSO TOLD THAT THE VEHICLE HAS BEEN RESOLD TO ANOTHER CAR DEALERSHIP, BUT IM UNCERTAIN HOW AS MERCEDES DOES NOT OWN THE TITLE BECAUSE IT HAS NOT BEEN PAID IN FULL SO LEGALLY THEY CAN NOT RESELL IT AS THE TITLE IS NOT FREE AND CLEAR. I AM REQUESTING THAT MERCEDES REFUND MY PAYMENT AND RECTIFY THIS ISSUE WITH ALL THREE CREDIT BUREAUS IN THE FORM OF A DISPUTE ON THEIR BEHALF FOR DAMAGING MY CREDIT. I HAVE ATTAHCED A COPY OF THE PAYMNET CONFIRMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX am writing to complaints on wrong information on my credit report. The following addresses are inacurate and not my current or correct addresses : XXXX XXXX XXXX XXXX, FL. 
XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX XXXX, FL. XXXX. The following inquiries are on my report that were not applied for by me : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE REMOVE AND DELETE ALL INACCURATE INFORMATION IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are reporting negative on my credit report in which I have done the following : XXXX ) .XXXX  - showing negative reporting in the amount of {$3200.00} - spoke with their recovery department and was advised that this item was zero in their system and had no idea why the credit bureaus were reporting it XXXX ) .XXXX XXXX XXXX {$2700.00} spoke with their collections and was advised this item is no longer in collections and was removed XXXX ) XXXX XXXX - {$37000.00} - spoke with their recovery department and was advised this item is not in their system. 
XXXX ) .XXXX XXXX  - {$1900.00} - spoke with them and they advised me that I do not any accounts that are in a delinquent status no did I have a account in a delinquent status. 
XXXX ) XXXX XXXX XXXX XXXX {$3200.00} - this is same XXXX XXXX XXXX for {$2700.00} thats is reporting negative on my credit in which it should be removed! 
The item above are ruining my credit and my chances of trying to buy me a home.
Product: Debt collection

I have already disputed the initial letter that I received from this debt collector and already sent my obtained sources of legit source of documentations such as my FTC Identity Theft Report, Police Report with additional FBI Victim letter in the mail to their office. The XXXX loan bank knew this from the very beginning since I reported to them right away about this coercion loan induced by the fraudster for me to do under my name. ALL the loan funds were ended up to the fraudster 's wallet. XXXX police officers went to my place when I reported this incident and I submitted copies of all the evidences that I have since all the instructions from the fraudster were all in text messaging. Then, the FBI agent went to my local police station where I reported my unfortunate situation that I had been to in order for him to collect all the evidences in -- person that I I submitted to the XXXX police officers. Please STOP sending me repetitive letters to collect debt over and over, just to harass me. I have a lot of pain and sufferings already since last year that I had been scammed big-time due to both heavy fraud and identity theft. Please show me with some dignity and respect, at least.
Product: Credit reporting or other personal consumer reports

I recently noticed numerous unauthorized credit inquiries on my TransUnion credit report that I have no knowledge of and have not approved. On XXXX XXXX, I contacted TransUnion in the form of a dispute, and TransUnion have yet to correct the issue. I also submitted a complaint to the FTC for identity theft. Heres a list of the inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX
Product: Debt collection

This company is attempting collect {$470.00} from me. I do not owe them any money, as i have never signed any written agreement with them, and i do not know who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 2 years I have been dealing with the harassment of XXXX XXXX, XXXX. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. On XXXX XXXX  I initially asked XXXX XXXX, XXXX to validate and delete the reporting from my consumer reports. I've asked for many things to provide me such as the Alleged Debtor, The Address of the Alleged Debtor, the date the alleged debtor became payable, proof that they are the current holder in due course, did XXXX XXXX, XXXX Purchase the debt, what is the commission for the debt collector if the debt was collected. Many questions which they have not complied. I've also sent payment by promissory note, and money order to cancel the alleged debt XXXX XXXX XXXX has harassed me for. I'm afraid I will have to make more payments under duress. XXXX XXXX, XXXX Purchased the debt from XXXXXXXX XXXX XXXX. At this point it has become completely stressful, and depressing trying to get this matter handle. Trying to track down the original creditor and they're Chief Financial Officer of XXXX XXXX XXXX. I have received many fraudulent unsigned mail from XXXX XXXX, XXXX. According to Chief Justice XXXX XXXX of the US Supreme Court, in direct violation of the COURT of COMMON PLEAS OF XXXX XXXX PENNSYLVANIA, XXXX XXXX XXXX FOR THE SEVENTH CIRCUIT ; HEINTZ v. JENKINS 514 U.S. 291, 2, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondents property for which restitution will be sought. At this time you have set forth two ( 2 ) predicators of the three ( 3 ) needed to begin a Racketeering lawsuit against XXXX XXXX, XXXX and the other firms included in this Racketeering. I will take the next step to file a police report on harassment, invasion of privacy, defamation of character plus more. I have also sent disputes to XXXX, XXXX, and EQUIFAX asking them to investigate this account and DELETE it as well. These companies have failed to verify they're method of verification and continuously send me computer generated responses with no signature or date on responding mail.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX Account Number : # XXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my Transunion account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

2.Account Name : XXXX XXXX XXXX Account Number : # XXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my XXXX account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

3.Account Name : XXXX XXXX XXXX Account Number : # XXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my XXXX account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

These items are either reported incorrectly or have been resolved, and I request a thorough investigation and correction. Ive already reached out to the credit reporting agency and data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report to ensure it reflects accurate information.
Product: Debt collection

An outside party is contacting all of my family, my employer, and my workplace multiple times a day, despite being asked not to contact me at work or my employer they contacted my office 4 times this morning, and then called employee relations. Threatening to come serve me papers, I work at a XXXX.
Product: Prepaid card

I have a deposit thats been made to my Venmo account and Venmo requested information I turned everything in and ow they kept my money and closed my acccoint and refuse to give me my money or return to Ssa
Product: Credit reporting or other personal consumer reports

I found mistakes on my credit report, so I sent letters to XXXX, Equifax, and XXXX explaining the errors and listing the accounts involved. It's been more than 30 days, and they haven't replied. I'm attaching copies of the letters. According to the Fair Credit Reporting Act, my credit report must be completely accurate, but these accounts aren't meeting that standard, violating sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).
Product: Checking or savings account

I had a Citibank account and back in XXXX. I received a check for my business, XXXX XXXX XXXX and deposited it into my Citibank account., however, because the check was written into my business, it raise a flag with Citi who froze my account to investigate the check upon investigating the check. They agree that the check was valid and the fines were there however, they were not able to cash the check and that they would be closing my account not just one but both of my accounts there.!! which I thought was really weird they couldve just told me that that wasnt allowed I had no idea! I accepted it as a loss and I had to wait for them to verify the check before they would close my account. They informed me that they had in fact verify the check, and that it would be mailed back to me. but upon going to the branch and asking for the rest of my funds I was only given {$77.00} and told that the check for {$6300.00} was already mailed to me. I have never received this check, and now the branch has no recollection or knowledge of its location
Product: Debt collection

My identity was stolen in XXXX of this year. I then went about the proper procedures when alerting banks and the credit bureaus. I notified my bank Navy Federal Credit Union, who is holding me accountable for the identity theft even though after the investigation through XXXX. I am proven innocent and that I had no affiliation with the con man.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been file complaints and disputes to these to be resolved and Im been get the run around with these creditors.. as a consumer my rights has been being violated it hinder me from building my credit this not an credit fair act. I finally was able to get some relief when I got an alert for things I had a hard time removing and was took from XXXX and now I would the removed from experian because also contacted experian the same inquiry to remove
Product: Debt collection

I always check my credit history and found that I had a collection for a utility company in XXXX Texas. Ive always lived in XXXX Texas and attended college here in XXXX. I have no connection or tie to any of the debt that is owed to midland kollections. I have never lived outside of XXXX Texas.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, XXXX XXXX  Dear XXXX XXXX, My First & Last name are as follows : XXXX XXXX XXXX. 



My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue.

**Incorrect Names : ** The report includes an incorrect names of : XXXX XXXX XXXX Please delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX **Incorrect Address : ** The report includes an incorrect address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The addresses listed above I have not resided in. My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These names and addresses has violated my rights.

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

According to 15 USC 1681eb they are supposed to ensure this 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.

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. 16815-2 ( AX1 ) 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 request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made.

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being.

Thank you for your cooperation.

Sincerely, XXXX XXXX XXXX
Product: Student loan

Third Party, Equitable Acceptance, committing fraud through my student loan asking that I pay {$1400.00} to consolidate and forgive a loan that can be consolidated and forgiven for free. I am currently trying to cancel this " transaction '' as I have been informed by the department of education that it is in-fact fraud. The company is currently fighting with me telling me that the Department of Education, who is supposed to " approve '' me for a program, is also the ones telling me not to use this company so they can get more money from me when it Is really Equitable Acceptance trying to steal money from me. This is the letter I am writing them to cancel this whole transaction : To whom it may concern, Today I was informed by the Loan Consolidation Center of the U.S. Department of Education that I can consolidate my loans for free. I was also informed that I can apply for loan forgiveness for free. Based upon this information, I am notifying you that I am cancelling the " revolving credit plan '' for {$1400.00}, which was represented falsely as required for loan consolidation and forgiveness application. I have received no services from your company to date nor have I made any payments. 
I have also spoken with the Student Loan Ombudsperson ( Ref. # XXXX ) and was directed to file a complaint with the Consumer Financial Protection Bureau. I contacted the CFPB and filed complaint #. In addition, I was directed to contact the Illinois Attorney General 's office and I have filed a complaint with them as well ( # ). 
I have placed a " stop payment '' on my XX/XX/2017 payment. Any attempt to collect funds from me will be documented in the fraud complaints with the CFPB and Illinois Attorney General 's office. In addition, any adverse credit documentation will also become part of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/2022 and still haven't received a reply. According to the XXXX they have XXXX days to reply to any dispute, if not that is grounds for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a letter disputing the accounts in error on credit report XXXX XXXX and Chapter XXXX Bankruptcy in XX/XX/2021. Equifax did not respond to dispute with investigation results. I sent another dispute letter about Chapter XXXX Bankruptcy and Equifax did not respond dispute with investigation results. Per the Fair Credit Reporting Act a credit reporting agency has 30 days to respond to a dispute and if they do not the items they are reporting must be deleted.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX BALANCE {$16000.00} XXXX XXXX XXXX BALANCE {$18.00} XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX BALANCE {$41000.00} RE : Late Payment Improperly Reported- I XXXX XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, TransUnion, XXXX. XXXX, TransUnion, XXXX, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) 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 ) XX/XX/XXXX
Product: Student loan

I have an older student loan ; originally unsubsidized Stafford Loans between XXXX. They were handed over to Nelnet without my consent after graduation, around XXXX. 

Nelnet has grossly mislead me on the IBR 20 year loan forgiveness process. 
- they never sent me any mail or call when the Direct Loan program launched around XXXX. 
- no one advised me that the Direct Loan program would offer more payment aid options- they didn't inform me that during the pandemic I would have been eligible for an interest pause from covid relief if I had been in the Direct Loan- I received multiple deferment options and IBR certifications that lead me to believe these FFEL ( Stafford ) loans held by Nelnet were making progress towards a 20 year forgiveness. I am now XXXX years out of graduation and they claim I only have 9 years of forgiveness accrued. I understand the Biden announcement of XX/XX/XXXX will be reviewing these accrued months, but Nelnet wasn't tracking them AT ALL. There is no dashboard to view progress, and when I asked in written form how many months of progress I had, they just sent a 20 page form with all my online history. They are intentionally dodging any bookkeeping about loan forgiveness. I owe 2x 's my principle balance now despite paying down 1/4 of it at one point. This is a XXXX scam and I'm sorry I went to college. 

Nelnet was never planning on following a 20 year IBR forgiveness plan. They are not facing consequences for their scammy behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX dollars to XXXX XXXX XXXX XXXX to reduce balance and to have a better score through credit utilization rate of XXXX ( XXXX XXXX XXXX XXXX ). XXXX updated this information in the system but CFNA did not provide updated information to three credit bureaus.