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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX am writing to formally lodge a complaint regarding the ongoing issue of incorrect personal information on my credit reports with all three major credit bureaus : XXXX, XXXX, and TransUnion. Despite multiple attempts to rectify these inaccuracies, the incorrect information remains, causing significant XXXX  and inconvenience. 

Correct Information : Name : XXXX M XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Information to Be Removed : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Names : XXXX XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> 1989 XX/XX/year> Incorrect Address 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs I have contacted the credit bureaus multiple times to correct this information but have not received a satisfactory resolution. This persistent inaccuracy is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) : The obligation of credit bureaus to investigate disputed information and correct or delete inaccurate, incomplete, or unverifiable information. 
Section 623 ( 15 U.S.C. 1681s-2 ) : The duty of furnishers of information to provide accurate information and correct any inaccuracies.

These inaccuracies have impacted my ability to obtain credit and caused unnecessary stress. I kindly request the CFPB 's intervention to ensure that the credit bureaus comply with the FCRA and correct my credit reports. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I filed a complaint with cfpb # XXXX. The company responded on XX/XX/XXXX. The company 's response was that our claim was not filed properly, and they returned our documentation on XX/XX/XXXX. They also stated they have concluded the investigation however they have provided a XXXX reference number if I had further questions. I emailed the Executive Resolutions Dept of XX/XX/XXXX disputing their claims and have not had a reply.
Product: Student loan

My loan was established in XXXX for a total of {$7000.00} with Sallie Mae. Navient took over my loan in XXXX. I also have another loan which is the XXXX XXXX XXXX  with Navient. AThis letter is particularly concern about the oldest loan. They received 3 large payments from XXXX XXXX XXXX XXXX which is not reflected in the loan payment history. They also add over {$7000.00} in capitalized interest. Payment have been made to the account for over 24 years, yet I still owe {$14000.00}, There is fraudulent loan servicing. I requested a breakdown of my payments and also the original loan documents from XXXX which they can not supply. I would like an investigation in this matter, because my payoff on this loan is slated for another 10 years, which is ridiculous. Thank you.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to have Equifax, XXXX and XXXX change information that is incorrect on my report only to have them resubmit the same false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called TransUnion to report six unauthorized fraudulent hard inquiries accounts that was on my TransUnion credit report after doing so the customer service representative, told me " sorry, but i can't help you out today with your problem '' .The list below is the names and dates and address and contact information of all six fraudulent hard inquiries accounts that shouldn't be on my TransUnion credit report. Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX I would like to update my complaint with my FTC Identity theft report. Because my personal information was leaked in the XXXX data breach.
Product: Student loan

In XX/XX/XXXX, I applied for a mortgage and used my XX/XX/XXXX IBR statement from FedLoan Servicing ( FLS ). As an XXXX XXXX I find it advantageous to purchase a home rather than rent XXXX rental - {$1400.00} with rental companies continuously tacking on extra fees ; mortgage - $ 975 monthly payment ). Unfortunately, I did not find a replacement house to purchase until XX/XX/XXXX. I had used my IBR statement from FLS dated XX/XX/XXXX ( see attached ) that documented my monthly payments as {$0.00} and was preapproved for a mortgage ; however, the loan goes into underwriter and was delayed because two of the loans on the IBR statement showed a N/A in the monthly payment terms column, so the underwriter could not go forward until I get an updated letter XXXX note I have been on IBR since XXXX and have a XXXX credit score ). I contacted FLS immediately on XX/XX/XXXX and encountered a phone tech who was obviously hung over and rude who hung up on me. I called back and received a pleasant phone tech who I relayed that I needed an updated IBR letter because the one I had is dated XX/XX/XXXX and the two loans with N/A should be showing {$0.00} as the others. 

In the meantime the mortgage loan consultant is emailing me that if I do not show the two loans as {$0.00} even though the XXXX XXXX clearly states I am on IBR that he would have to use the 1 % formula of the balance of the two loans that are in forbearance due to COVID-19 that will increase the XXXX. I will most definitely lose the house due to this action. I kept calling FLS for a status and even did a chat with customer service and was assured that the request was being processed. On Wednesday, XX/XX/XXXX, I received an email from FLS that stated Summary and could not believe what I had just received ( see attached ). All needed to be done was to update the two loans in the XX/XX/XXXX letter. This summary did not resemble the XX/XX/XXXX letter because everything was wiped out -- every single loan on the document and the terms showed N/A with a lot of gobbledygook below about the loan terms. I was horrified and called FLS again and they advised me that the Summary would be corrected. I stated to the tech that the Mortgage Letter in the FLS Dashboard document all the loans as {$0.00}, but does not mention anything about IBR, etc., so the mortgage companies render it useless. The IBR certification letter is the only acceptable documentation. 

I was told that I did not need to complete another recertification due to COVID-19 because the deadline had been extended, but I submitted a recertification on XX/XX/XXXX thinking this was the problem. However, I received an email this XXXX XX/XX/XXXX that the request was incomplete because I did not submit income documentation -- not true. I immediately scanned both the application and supporting documents together and resubmitted. 

A consumer/student should not have to go through this trauma from FLS ' incompetence or vindictiveness -- not sure which one. The rules are so conflicting and goes against the struggling student.
Product: Credit reporting or other personal consumer reports

For starters, Equifax makes it difficult to get a credit report from their bureau. The free report they offer never shows the credit score. 
The report is sloppy and doesnt have all the accurate information with names and dates. Again. like all the other bureaus, without evidence in the report, they say I have serious delinquency. But on the report there is no sign of a missed payment. 
Equifax may have a data issue, where its simply outdated. The only way I can get an idea of a credit score from Equifax is from my citi bank credit card account. I wonder why? We as the consumer should have full access to our reports.

Ounce again, I will ask where are they getting there data from? If anything negative is deleted after 7 years and I have been paying on time for 8 years. No repos. Clean.

Can Equifax explain why the terms serious delinquency is even mentioned? 
Each of these bureaus including Equifax need to do their due diligence in making sure the consumers data is accurate and the reports are managed appropriately. Otherwise it appears that these bureaus are being negligent. These credit scores affect our lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit card or prepaid card

I had a balance of {$430.00} on my XXXX XXXX XXXX Credit Card which was paid in full on XX/XX/XXXX. Figuring this was paid in full and I intended no additional uese of the card I paid no further attention to the account. on XX/XX/XXXX I realized I had a balance of {$110.00} due to " late fees ''. This company states they received my payment on XX/XX/XXXX and charged me a late fee as my bill was due on XX/XX/XXXX. I notified the company I had absolutely no intention of paying these late fees as I made my payment to close the account and was unsuspecting of these additional charges. They agreed to waive one fee only but not the others. I told them that regardless, I am not paying any of the fees as I paid my account in full prior to the due date. This is hitting my credit report, I want it removed as negative from my report, the account closed and absolutely no responsibility for these ridiculous charges! They now have me at {$200.00} due! This is nearly half as much as paying my actual account in full.
Product: Mortgage

Despite my account being current, timely payments made, and the latest statement showing a current balance, I still receive harassing robo calls from Planet Home Lending , LLC. The calls specifically state Planet is attempting to collect a debt. I have already notified Planet Home Lending , LLC to cease robo calls and to only communicate in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Transunion in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT INQUIRIES PURSUANT TO FCRA 609, 605, and 623 Dear Experian Dispute Department, I am writing to formally demand the immediate removal and blocking of fraudulent inquiries that have appeared on my credit report due to identity theft as a result of the XXXX data breach. Under the Fair Credit Reporting Act ( FCRA ), I am asserting my rights as follows : FCRA 609 ( 15 U.S.C. 1681g ) I request full disclosure of all information related to the disputed inquiries, including the identity of the entities that requested my credit report and the method by which my personal information was verified.

FCRA 605 ( 15 U.S.C. 1681c ) Negative information, including fraudulent inquiries, must not be reported if they result from identity theft. You are required to block and delete these unauthorized inquiries.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Any entity that furnishes inaccurate or unverifiable information to a credit reporting agency must investigate and correct or delete such information. I demand proof that these inquiries were authorized ; otherwise, they must be removed immediately. 
Fraudulent Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Supporting XXXX XXXX : A copy of my government-issued ID Proof of address FTC Identity Theft Report I expect Experian to investigate, block, and remove these fraudulent inquiries immediately and provide a detailed response outlining the actions taken. If Experian fails to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney generals office, and any other relevant regulatory authorities. 
Please provide written confirmation that these fraudulent inquiries have been permanently deleted from my credit file. If any of the disputed inquiries remain, I demand full documentation verifying that they were legally authorized. 
I expect a resolution within the legally mandated timeframe. Please confirm receipt of this dispute and provide an update as soon as possible. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : ID, Proof of Address, SSC, FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported corporate business card to my personal credit report. 
I'm not working for this business anymore but the information is still on my credit report and the bank is refusing to remove it. 
This against the Law and should be removed immediately. 
Thanks.
Product: Payday loan, title loan, personal loan, or advance loan

On about XX/XX/XXXX I applied for a loan with XXXX, XXXX. I received {$600.00} deposited into my account from XXXX, XXXX. The payments were scheduled to be withdrawn on XX/XX/XXXX not be before. XXXX breached the contract and began taking payments before the agreed date ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I called on about XX/XX/XXXX to confirm the agreed scheduled dates and advised the representative that I didn't authorize those transactions. The representative insinuated that I wanted to change the due dates which wasn't the case. I didn't want the payments coming out before the agreed upon date. I also requested for a copy of the original agreement on that day and never received it. XXXX continued to take payments and never sent the contract. About XX/XX/XXXX I stopped depositing money into the account because I became ill and because I never received a copy of the contract. 

XX/XX/XXXX, I received a letter that they would file a UCC Lien against me because I breached the contract. I sent in an email and disputed it and requested for the address to send in payments. I also spoke with a representative again about sending me the contract that I never received. 

I received another email that a UCC Lien was filed dated I believe XX/XX/XXXX and that I had 20 days to respond. I called and spoke with XXXX XXXX in their pre-legal department that stated the balance was about {$2800.00} and I could settle and pay {$2200.00} to remove the UCC lien. She would accept {$500.00} down.

I sent in a demand letter to terminate the UCC Lien, provide me a copy of the contract, payment, history, and court order giving them access to my earnings and accounts. XXXX XXXX sent a copy of the contract, payment history, and a copy of the UCC filing. After speaking with the SOS the UCC filing is for informational purposes and that they must have a court order to garnish my earnings and monies from my accounts. 

This company fraudulent withdrew payments before the agreed date, would not provide me with a copy of the contract or payment history, and then sent fraudulent dates of withdrawls, and sent the lien notices to the rideshare and shopping that I'm contracted to make a living for my family. They withdrew {$890.00} from the account which paid the entire advance received, they breached the account and tried to turn it on the customer. This agreement that they have is outrages in fees and not providing customers copies is illegal. If I had a copy of this agreement there is no way that I would have agreed to this.
Product: Debt collection

On XX/XX/2021 I was contacted by postcard which is a violation of 15 usc 1692b ( 4 ), about a monthly payment. As I read the postcardThere was obscene and profane language which is a violation of 15 usc 1692d ( 2 ), also never stated that I want to do it which is a violation of 15 usc 1692e ( 11 ). I felt threatened by the post card which is a violation of 15 usc 1692d ( 1 ). There are multiple addresses on the postcard which is a violation of 15 usc 1692f ( 8 ). They do not use the name of the original debt collector which is a violation of 15 usc 1692e ( 14 ). And there is no law that states you have to pay a debt which is a violation of 15 usc 1692f ( 1 ). I have also sent over to them affidavit of truth notarized with exhibit all the violations and an invoice
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I strongly urge you to promptly eliminate any unsubstantiated assertions indicated in the content above or below from your publication. For you to be granted the conditional right to publish as the provider of supposed information, you are required to satisfy the minimal requirements. I categorically reject the publishing ability of any assertions that you are unable to substantiate with irrefutable evidence, even those that adhere to the obligatory reporting guidelines stipulated to be officially compliant, notably the indispensable Metro 2 Compliance standards mandated by CDIA in their CRRG, which explicitly warns that any deviation from said standards poses a threat to the accuracy of the information. 
Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or permitted this company to access my credit by way of a signed authorization bearing my signature. If unable to do so, have this DELETED from my credit file because it is making it very difficult for me to acquire credit? Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report The FCRA states that the only permissible purpose for pulling someone's credit is for A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Once again, DELETE! 

XXXX XXXX XXXX - XX/XX/XXXX I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or permitted this company to access my credit by way of a signed authorization bearing my signature. If unable to do so, have this DELETED from my credit file because it is making it very difficult for me to acquire credit? Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report The FCRA states that the only permissible purpose for pulling someone's credit is for A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Once again, DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Images I included are from XXXX  reporting and messages in past years I received from them. I also have other documents from local courthouse. Grantor refuses to give me any statements Images reflect loan was taken out in 2018  and other image shows it the following year opened up.. only one home reported on my credit wihich its not deeded to me and Ive never made a payment whatsoever
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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

I mailed a certified letter on XX/XX/XXXX to XXXX for them to provide validation for accounts that are appearing on my credit report. I received a letter from XXXX on XX/XX/XXXX that included a copy of my credit report and no proof that the account belongs to me. This is my second attempt and I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the accounts listed below : XXXX XXXX XXXX Navient XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract to all accounts posted on my credit report. If the accounts are unverifiable they must be removed.