23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on EQUIFAX response to the written requests I sent. 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 creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX. XXXX XXXX XXXX Date XXXX XXXX, XXXX ; XXXX. XXXX XXXX XXXX Date XXXX XXXX, XXXX ; XXXX. XXXX XXXX XXXX Date XXXX XXXX, XXXX ; XXXX. XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX. JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX XXXX, XXXX ;
Product: Student loan

I have contacted and disputed this inaccurate information with all three credit bureaus as well as US department of education with no resolution regarding my obligation to pay securities/money to the federal government for an inaccurate education loan. Nelnet continues to report this inaccurate information to all 3 credit bureaus which goes against my privacy rights act well as the federal student loan act of XXXX. 

The Department Of Education have been past my personal information for security exchanges without my consent or permission since XXXX. 

The Department Of Education have been reporting false and inaccurate information on my credit report which has cause me financial difficulties/hardship. The reported false/inaccurate information strikes as a negative impact on my credit history.
Product: Student loan

I have requested on several occasions, both written and by phone communications that I want copies of all student loans procured with XXXX. I requested a complete detailed ownership chain as to who owns these debts, I requested each loan number, assignments of debts and any or all securitization trust these loans reside. To date there are no loan histories that I requested, including the name and serial number ( s ) of each trust there loans reside, or if they are guaranteed by the United States Department of Education, I demand copies of any securities agreement between myself and the Secretary of Education. I aslso requested a consolidation agreement sent to me on all loans. It appears that a number of my loans are duplicated on my credit report, ( See Attached ). Therefore, I need true copy originals of each validated loan transaction and a consolidation agreement to be mailed top me within thirty ( 30 ) days, along with verification of ownership.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT!!!! 

XXXX XXXX XXXX  did not provide the transaction details of the alleged charges made on the account before closing in XXXX of 2022. 

Willfully ignoring my simple request. 

Dates, time, amounts of changed, and business name that processed payment.
Product: Credit card

On XXXX XXXX, XXXX, we signed up for a virtual office and mail receiving service from a company called XXXX. In XXXX of XXXX, we were informed by XXXX clients as well as XXXX that they had sent letters to our NY address provided by XXXX company. We called ( left a voicemail since no one answered our call ) and emailed twice before XXXX of XXXX asking the XXXX representatives about this and did n't get a response. Therefore we made a decision in XXXX, XXXX to dispute the charge through our credit card company Barclays Cash Forward. They provided us temporary credit. Then XXXX XXXX, XXXX, they reversed the credit saying merchant ( XXXX ) has sent documentation to fight the chargeback. We requested that we see the documentation so we can defend our decision to dispute that charge since we did n't get part of the services we have originally signed up for. The letter was mailed out XXXX XXXX but we have still have not received it, We have called Barclays XXXX three times since then and they they keep saying it will arrive in 5-10 business days.
Product: Mortgage

About XXXX  years ago I received a letter from a law firm that I didnt own by house. Someone else was trying to take my house. I had to ask a attorney to look over the papers and he said I had a problem. I had to hire an attorney. I had XXXX children in XXXX  at the time. I wasnt able to make payments so I completed a loan modification. I believe they didnt give me all the information I needed to complete the modification correctly. 
The attorney and title company represented me and my house belonged to me. 
I believe Wells Fargo overcharged me for the modification. My mortgage went up {$300.00} plus more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was closed out from Bankruptcy has {$0.00} balance** XXXX XXXX XXXX is still showing from XX/XX/2013 past ( 7 ) years**** XXXX XXXX XXXXXXXX was paid off in full and still showing on my credit report***** XXXX 's is still showing on my credit report closed out in XX/XX/XXXX, XXXX XXXX XXXX  is still showing on my credit report closed out XX/XX/XXXX, XXXX Bankruptcy was dismissed Chapter XXXX ****
Product: Mortgage

I contacted PennyMac around XX/XX/XXXX or eighth 2024 before My special forbearance plan was about to end on XX/XX/year>. I contacted lost mitigation for an extension on my forbearance plan. lost mitigation advised me I was approved for one month. I was also advised that if I was to make two payments that I would get an additional two months I used my credit card to make those two payments and effort to extend my forbearance plan, after the payments were took, I was then advised I needed to be forwarded to the loan modification department. I expressed my concerns about not being on a forbearance plan and it affecting my credit negatively. I contacted him multiple times to get the process moving along and effort to avoid negative credit reporting I wasnt made aware that I was removed from the forbearance plan before XX/XX/XXXX, which was the end date Which made me officially behind via the credit bureau as of today Sunday XX/XX/year> because they removed me from the forbearance plan XX/XX/XXXX instead of XX/XX/XXXX my credit dropped over XXXX points, when I requested information about the length of time I was allowed to be on a forbearance plan based on my insurer, I was told I was only allowed to be eligible for six months when I read the information regarding my loan type and the insure details on forbearance, it was mentioned that you cant be more than 12 months behind on payments as of now im only four months behind. And I was offered no options for forbearance plan or any option to save my credit or was informed of my forbearance plan ending please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit report act, the list of accounts below has violated my federally proted consumer rights to privacy and confidential under 15 usc 1681. 
XXXX XXXX XXXX XXXX account : XXXX 15 usc 1681 section A. States have rights to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish without my written instructions.

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

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

Account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to the pandemic I was trying to feed my family and keep up with my bills.
Product: Checking or savings account

I opened a Robinhood Invest account on XX/XX/year> and a Robinhood Spend on XX/XX/year>. Over the course of a couple weeks I deposited over {$9000.00} into the accounts. On XX/XX/year>, I had tried to make a payment to my credit card from the XXXX account, but Robinhood rejected the transfer and subsequently restricted my account. They asked for statements of the bank I used to make deposits and I provided those, but they still decided to close my account and haven't unlocked my funds to be available to withdraw yet. I asked for a reason and they just gave me a generic XXXX XXXX response that basically said " our terms say we can do whatever we want whenever we want and not tell you '' I was looking forward to using the account, but now I just want my money back.
Product: Debt collection

My credit report shows a XX/XX/2022 write off of a 2 year 6 month old Speedy Cash debt of {$600.00}. I have never used Speedy Cash, do not know what Speedy Cash is. I have never received a notice of any kind from Speedy Cash.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Debt collection

Hello, Ive been scammed by XXXX XXXX student living, they subleased room for me, but when I actually came to pick up my keys they didnt let me to move in even though I provided all required documents and brought guarantador with me. Management company never gave me keys and left me on the street and left this lease on my name for no reasons. Also there is no such a company XXXX anymore its been taken down for constant scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to get a capital one platinum advance card but didnt get approved and it decreased my credit scores and I will like to dispute a hard inquiry through my credit report and hope that my credit goes back to XXXX fair and its decreased to XXXX fair due to an hard inquiry and I will like to dispute it because these. Actions was due without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres currently no bankruptcy record reporting on my XXXX XXXX Consumer Report, but theres a public record of bankruptcy XXXX  XXXX-discharged reporting on my XXXX XXXX XXXX Experian, and XXXX credit report. XXXX XXXX report public records and bankruptcies to XXXX XXXX, Experian, and XXXX credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Five years ago, I left XXXX XXXX in order to care for several family members. This resulted in a government overpayment of health insurance/leave benefits. The payroll processor, U.S. Dep't of Agric. Nat'l Finance Center ( NFC ), would eventually send the bill to collections and report it to the Treasury Dept. Bureau for Fiscal Services ( BFS ). I have been on a payment plan for the past 2.5 years. Additionally, when I rejoined XXXX XXXX, NFC  began garnishing my wages for $ XXXX. Despite this, NFC and BFS REFUSE to update this information to the credit bureaus. Every month, they report it as continuously delinquent ( XXXX days late ). I have disputed this multiple times to no avail. The only action they have done is to update the balance, while continuing to report the account as late.Today, I was denied a mortgage due to " late payments '' and " delinquency on federal debt ''. The phone # s listed for NFC on each credit report are all out of service and have been for months. I have called every number listed ; it either rings as being out of service or there's no sound on the other line. BFS is a black hole. I tried contacting them in XXXX only to be told they had no record of the account I was referencing. I later discovered they were attempting to send the same account they were garnishing my wages for to another debt collector. When I finally got them on the phone ( just one time ), I explained that it was excessive to garnish wages for almost $ XXXX AND simultaneously send it to a bill collector. Their response was that " It gets the money faster. '' Is there any recourse at all? At a time when I'm trying to purchase my first home and XXXX ownership rates are already at such lows, this seems incredibly abusive.
Product: Payday loan, title loan, personal loan, or advance loan

Company repossessed vehicle and sold vehicle and is still sending me emails requesting money after charging off vehicle and selling vehicle for less than what the contract was for
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : US DEPT ED Account # XXXX and XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Dates of late : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX I'm not sure how I was late in those months. I have paid this account on time during those months. I could have gotten my statements late. I also see the date of last payment being reported inaccurately. XXXX is reporting XX/XX/XXXX while Equififax is reporting XX/XX/XXXX.
Product: Mortgage

I took a Wells Fargo XXXX in XXXX for XXXX. In XXXX XXXX asked me to renew at twice the XXXX, I declined. HELOC reverted to Mortgage for balance of XXXX in XXXX. Now owed is about XXXX with XXXX reporting I have open credit for the XXXX balance ... about XXXX. This is reported to all credit reports. I can not renew the HELOC, I can not get any amount from Wells on this. A small note was added a few months ago after credit reports said I have XXXX worth of credit available. I complained 3 times to XXXX and 2 times to XXXX. XXXX said they saw that I have no available credit and that the report by XXXX that I do have XXXX available credit is destroying my ability to move Mortgage from wells, obtain other HELOC, or refinance, get consolidation loan etc as my total available credit is misreported, deliberately by XXXX, as XXXX K available now. That needs to either be available, or preferably correctly reported so I can get refi elsewhere. I have approximately XXXX available credit at this date. 100 % onetime, never missed any payments yet XXXX will not provide new HELOC, or correctly report that they are not offering any credit at this time according to XXXX 's report no changes have been made, all acknowledge this situation. This seems in retaliation for not accepting a renewal in XXXX, due to the salespersons attempt to conceal the rate increase over the phone. I would never to business with Wells Fargo again. I paid all my debts on schedule to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), account # # # # # # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$470.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full and should be reporting a {$0.00} balance. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover and all 3 credit bureaus ( XXXX, XXXX and XXXX ) have been and are reporting inaccurate information on my credit report. Discover and all 3 credit bureaus have been and are reporting hard inquiries without verifiable proofs of my consents. Discover and all 3 credit bureaus have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all 3 credit bureaus and Discover asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from all 3 credit bureaus and Discover of their inaccurate information and I didnt receive them from all of them. Since neither all 3 credit bureaus nor Discover have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX: XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to DISCOVER FINANCIAL SERVI on XX/XX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : DISCOVER FINANCIAL SVCS Date : XX/XX/XXXXCreditor Name : DISCOVER FINANCIAL SVCS Date : XX/XX/XXXX
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. 

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

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

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

This morning, I discovered incorrect accounts listed on my credit report, and I have no idea how they appeared. I routinely check my credit report, but this time, unexpected discrepancies showed up. I even refreshed my browser, thinking it might be a glitch, but the incorrect accounts remained. Due to this issue, I kindly request a thorough review of the documents I provided so I can avoid future concerns.
Product: Debt collection

In the months of XXXX and XXXX of last year Ive reported this fraudulent account to XXXX and the FTC only to find out it has reappeared but with a different creditor. Ive had XXXX delete it from my report.