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

In accordance with the Fair Credit Reporting Act XXXX XXXX  ACCT. # 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$1900.00} I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed these accounts but never got a updated on them being removed
Product: Credit reporting

XXXX XXXX has been reporting a negative information on my credit files with credit reporting agencies under account number XXXX. It is manipulating account data details of the said account on my credit reports with credit reporting agencies in a way that 's causing my credit score to constantly and substantially drop in a absence of any new derogatory information. This is an extortion tactic to extract money I do not owe. Since XXXX XXXX XXXX XXXX has been reporting a negative account on my credit reports under different account Types : Factoring account, debt buyer, collection account, open account ... .In XXXX XXXX it reported the same disputed account that was already on my credit report since XXXX XXXX as a new collection account causing roughly a XXXX points drop in my XXXX and XXXX credit scores. Recently in XXXX I disputed errors with account details with credit reporting agencies mainly with XXXX and XXXX providing evidence that they were reporting inaccurately compared to Experian. When the XXXX agencies forwarded the Experian credit report I supplied as evidence to XXXX XXXX, suddenly on XXXX XXXX I was alerted of a XXXX points score drop on my Experian credit report even though no derogatory information was reported on my credit report with Experian. On XXXX XXXX my Experian score was XXXX, on XXXX XXXX it dropped to XXXX without any reason except what I suspect was data manipulations by XXXX XXXX. XXXX XXXX also caused a further drop of about XXXX points on my XXXX credit report by pulling the account around XXXX XXXX and reinserting it the next day making the account impact my credit as a new derogatory account. I was aware of this shenanigan when XXXX alerted me that XXXX was no longer listing the disputed collection account on XXXX XXXX but then the account suddenly reappeared and was reported on XXXX XXXX on my XXXX credit report. It is abundantly clear to me that XXXX XXXX is manipulating account details ( terms, status, dates, etc ... ) to make the disputed negative account perpetually appear on my credit reports as a new derogatory account. There is no other reason that can explain the substantial drop in my credit scores. 
In addition to data manipulations, XXXX XXXX which has had no dealings with me has been falsely reporting account payment history for that " debt buyer '' disputed account with credit reporting agencies. It also has been reporting an open collection account from an alleged charged off account they supposedly bought from XXXX and with past due amount even though I 've never opened an account with XXXX XXXX and never had a contractual agreement to make monthly payments at a certain date on the reported negative account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 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 XXXX  XXXX {$6700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$6600.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX I XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$6100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$200.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Balance : {$560.00} Date XXXX : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX ) Balance : {$1100.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit reporting or other personal consumer reports

My credit report file is missing. They no record and I been getting falsely accused of bad credit. I would like this change immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a credit card account with XXXX as collections/charge off, see attached report. This is not so, XXXX XXXX was given this account for collections but stop collection attempts, see attached letter. this account should be reported like the 2 other reporting agency 's closed/charge off instead of collection/charge off. I have disputed this with Transunion with no success. I have suffered a financial loss because of this reporting. Please correct
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date they have not responded. 

I am writing to request that your bureau verifies the accuracy of the MA BOARD OF HIGHER EDU ( Date Opened : XX/XX/XXXX, Balance : {$4000.00} ) account that you have reported on my credit report. I am unsure of the accuracy of the balance of {$4000.00} that you report for this account because I don't recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I intend to clarify this matter with the creditor. In the meantime, I request that you mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I would appreciate it if you could verify the Date Opened, Date of Status, and First Reported for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX ACCT # XXXX, XXXXXXXX XXXX  Account # XXXX In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I tried reaching the mortgage company on XX/XX/XXXX but only an automated system was answering. I was calling to talk to someone because my 15-year loan was due to Mature XX/XX/XXXX. Later, I received a letter dated XX/XX/XXXX, stating they put me on a Covid-19 Forbearance through the beginning of XXXX. I had been requesting a Loan Modification Packett for a long time but they never sent me one until XX/XX/XXXX. I filled it out over the phone with a company agent per what he was advising, except for the financials I scribbled in quickly and faxed it the same day. 
Next, it came back Denied with an option to Appeal by XX/XX/XXXX. I submitted the Appeal on XX/XX/XXXX and XXXX, XXXX, which is Still Being Reviewed ; as of a letter dated XX/XX/XXXX, received last Thursday, XX/XX/XXXX ; yet, they seem to be proceeding towards Foreclosure. XX/XX/XXXX, was the last payment they allowed me to make ; afterward, they Blocked my online account and Refused All Payments because the loan had matured. They Forced me into Delinquency then sent me a Letter of Default with the Intent to Foreclose on XX/XX/XXXX. Most importantly, I am a Very XXXX XXXX XXXX XXXX, having great difficulty standing and walking. I have been having Numerous Medical Problems which caused me to have daily in home XXXX from XX/XX/XXXX through XX/XX/XXXX, along with 10 days in the hospital, many XXXX on my XXXX and XXXX XXXX. In addition, I have Severe XXXX XXXX, I have had a XXXX XXXX, 2 XXXX, XXXX XXXX XXXX for a XXXX XXXX XXXX which requires lifelong blood thinners is very problematic and requires much care, All of these Medical Problems leave me at a higher risk of Covid-19. I am a widow without children ; this is my Only Home and I have lived here for 22 years. I am terrorfied of losing my home, it is all I have. The Loan Balance is approximately {$27000.00}, however, the Propert Value is around {$120000.00}. I have paid off the 1st mortgage ; which seems to be the motive why they have done all of the above. I could have Refinanced but the Forbearance, the Delinquint Payments even though they Refused the Payments is preventing me from getting another Mortgage Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying to get some negative marks off of my report, that is reported, wrongly for over a year. I have tried writing/calling, and emailing this company. when i call you get a computer, never able to speak to a human, and they don't have my ssn #, nor my address in there system, yet continue to report this information as if it's factual. Ive written all 3 bureaus numerous times, that's a complete joke. What kind of investigation are they doing, if the company doesn't have me, or my # ssn, or address in there system, what kind of information can thy get back from this company, verifying anything? But its still in my reports, a year later. The law says i was supposed to get a early warning notice, ( 15 U.S. CODE 1681n, to prevent these kinds of situations from happening, because of the " sensitive nature '', of consumers affairs, i haven't been able to purchase a house, because of this one company actions, and the bureaus who rubber stamp everything these hugh companies do. Time, energy, money, iv'e had to retain legal council, XXXX XXXX XXXX XXXX, who for over 2 weeks, couldn't reach there legal dept, sorry couldn't get anyone on the phone. CAN someone please advise me, what i can do this is, horrific, over a year.of unnecessary stress. Companies P/N XXXX XXXX XXXX, XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 or other personal consumer reports

PLEASE BLOCKED AND REMOVED I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX contacting. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

I enrolled XXXX debts with a company called Beyond Finance, the charge being 25 % of the enrolled debt amount. When I recognized that Beyond could not meet its promised outcomes, I withdrew two of the debts and settled them myself. One of the debts I settled myself was with XXXX XXXX after negotiating with them individually. I entered into a payment plan with XXXX XXXX separate from Beyond Finance. I paid off the two debts I had enrolled with Beyond and was even congratulated by Beyond agents on my successful graduation from the program. Nonetheless, Beyond Finance took another {$300.00} from my bank account without permission and in bad faith and demanded I pay {$590.00} for the XXXX XXXX debt that they did not settle. The contract clearly stated that I would only be charged for enrolled debt settled by XXXX XXXX. Beyond Finance then refused to respond to my Better Business Bureau complaint and refuses to work with me to get report graduation from the program. I would like my {$300.00} returned to my checking account in addition to the {$30.00} I was charged to make a top payment on Beyond withdrawals from my bank account. I followed through on my end of the contract and Beyond has willingly neglected to follow through on their end of the contract. They settled only XXXX debts yet are charging me for XXXX and even taking money from my account when I demanded a freeze. I have attached XXXX pictures one shows that only XXXX debts were enrolled, the other which those debts were, and the third an apology from a Beyond agent for the mistake that they have yet to rectify.
Product: Credit card

Im an XXXX XXXX service member and received orders to XXXX. Request XXXX  Benefits under XXXX  XXXX XXXX. Please note under XXXX  XXXX XXXX, the interest cap of 6 % applies to all credit cards and loans obtained XXXX and before XXXX XXXX. I have attached my orders and XXXX XXXX XXXX. Thank you.
Product: Debt collection

I was scammed on a $ XXXX I lost it all. I hired and gave Power of are to settle my debt for an agreed amount. Im depositing {$400.00} every mont. not missing a payment. 
Yesterday. Nearly XXXX  months later, mon XXXX, Cheadle law sent me an invoice for the XXXX + {$16000.00}. Atty fees? 
I didnt hire them. My company XXXX XXXX has been dealing w them. 
Cheadle law is now contacting me when its unlawful threatening me for payment I want to know my legal recourse for threats, harassment and False invoices on outrageous fees. 

I going to sue them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Product: Student loan

I am a FEDLOAN Servicing customer applying for my student loans to be forgiven under the Public Service Loan Forgiveness program. I have been advised conflicting information by several representatives during the course of me submitting my application. Most recently, I recently correspondence on XX/XX/2021 from FEDLOAN after a representative from FEDLOAN explicitly advise me to submit another application for forgiveness on XX/XX/2021, stating that " NOT ELIGIBLE : You or your employer signed the PSLF Form before you made your 120th qualifying payment. You must make your 120th qualifying payment before you submit your form. Since it looks like you have since made your 120th qualifying payment, you can now apply for forgiveness. Complete and return an updated PSLF Form. Make sure you and your employer sign and date the form in Sections 2 and 4 with the current date. On this same date I received correspondence stating " You're eligible for forgiveness Congratulations, you made 120 qualifying payments on 2 of your 2 loans. Unless you have requested a forbearance, you should continue to make payments until you receive confirmation of forgiveness '' I resubmitted my application as advised using the current date, which was XX/XX/2021 only to be advised by another FEDLOAN customer service representative that I would need to submit another application dated on or after my billing due date, which is XX/XX/2021.I have submitted that information again today. However, after fighting with FEDLOAN for years to have many of my qualifying payments acknowledged I do not feel confident that my application will be processed.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( XXXX XXXXXXXX ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX credit reporting agency block the information appearing on my consumer credit report, which has resulted from inaccurate and false reporting. Specifically, Equifax failed to properly verify this information within thirty ( 30 ) business days of receiving my request. 
The inaccurate and false information includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and collections to appear on my consumer FICO credit report. I have attached a list of the fraudulent hard inquiries as well as a copy of my consumer FICO credit report maintained by Equifax, showing these inaccurate items.

I do not recognize any of the accounts, collections, or hard inquiries as reported. These accounts, collections, and hard inquiries were not opened, made, or initiated by me.
Product: Debt collection

I did not open an ATT U-Verse account on this date, in my name or anything of the matter. This is hurting my credit by them saying that I owe them {$1600.00}. The company is some company that AT & T must have hired. ( ^ IC SYSTEMS COLLECTIONS XXXX Address po box XXXX XXXX XXXX , MN XXXX Date Opened XX/XX/XXXX Account Type Open Account Phone ( XXXX ) XXXX Balance {$1600.00} High Balance {$1600.00} Past Due {$1600.00} Date Closed XX/XX/XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Original Creditor XXXX XXXX XXXX Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX They are adversely hurting my credit & I did not open this account!! Please help me. Thank you so much for your time & due diligence.