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

I filed a complaint with the CFPB about XXXX unlawfully, illegally, and without written consent from me the consumer reporting derogatory items on my credit report. I filed this complaint on XX/XX/. I received a response that XXXX was " investigating ''. I did not request an investigation, I requested immediate deletion due to no written consent from the consumer and inaccuracy. XXXX also responded that during their investigation they contacted a " data furnisher '' to verify the accuracy of the account. I am reporting XXXX, this is not only illegal this is unethical and not the proper way to validate any alleged debts. I am the consumer, I am the only person that can verify the validity of an alleged debt. XXXX illegally reached out to a third party in order to verify information about me the consumer and did not once reach out to me to confirm or deny the validity of these alleged accounts. Any person claiming I owe this debt without my knowledge or including me in the conversation is violating my rights to privacy as a consumer. XXXX also responded that they've updated aspects of the account which is also illegal. I did not now nor ever give XXXX permission to put false, inaccurate, and financially degrading information about me on their reporting platform. I also received feedback from XXXX that one of the accounts that I disputed would be deleted and that account is still reporting on my credit report despite them claiming they deleted it off my report. This has effected my mental and emotional well being, in addition this is directly negatively impacting my livelihood and creditworthiness. I'm trying to resolve this amicably before bringing the courts into this because then I will be seeking {$1000.00} in damages for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( U.s. BANKRUPTCY COURT Case # XXXX has violated my rights .

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

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

I reached out to XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX and XXXX XXXX by Certified mail ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Asking them to return my {$40.00} dollars for late payment charges as you can clearly see i was never late according to my XXXX consumer report. Their responds was everything came back verified which is a big lie!!!! its been 2 months i havnt heard anything from XXXX XXXX XXXX XXXX... ( XXXX # XXXX ) I WANT MY {$40.00} DOLLARS BACK!!!!! WHO KNOW HOW MANY CUSTOMERS THEY BEEN SCAMMING LIKE THIS FOR YEARS!!! XXXX My XXXX  consumer report clearly shows i was never late and on time!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these collections account on my credit report I believe their are multiple accounts in collections on my report I never had any business with I dont know who they are XX/XX/2023 last reported XXXX XXXX XXXX {$1100.00} Amount Remarks Placed in collections XXXX XXXX XXXX {$600.00} amount XX/XX/2023 placed in collections last reported XXXX XXXX  in collections XX/XX/XXXX last reported {$3300.00} amount I have no knowledge of these accounts s in collections never saw them XXXX XXXX XXXX  {$380.00} amount XXXX XX/XX/XXXX last reported {$760.00} amount Placed in collections XXXX XX/XX/2023 last reported {$840.00} Placed in collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove/block these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after I sent Bureaus letters. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Balance : {$180.00} XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX stop reporting my payments to the credit bureau agencies from XX/XX/XXXX to XX/XX/XXXX. Their reason/excuse is due to the economic relief Cares Act which has actually hurt my credit rather than help it. In addition to this, XXXX XXXX have FALSELY reported my payment history in previous months. They reported my account to be 60 day late twice in XX/XX/XXXX and XX/XX/XXXX. I disputed this information with the credit bureaus twice but the inaccuracy remained. Finally I wrote XXXX XXXX XXXX department on XX/XX/XXXX, they replied to me via mail and according to their own research, the payment history they provided for my account DOES NOT show any 60 day late in XXXX ( see attached ). So the information provided to me from their research letter IS NOT the same information they're providing to the credit bureaus.I provided the letter to the credit bureau ( XXXX ), they acknowledge the discrepancy, however they inform they are not able to update the information without XXXX XXXX XXXX providing them the updated information. This issue has made it extremely hard for me to purchase a home for my family as well as other financial obligations ( rental, auto refi, etc ). Infiniti Financial Services should be held accountable of the way they've mishandled my accounts. This is a clear violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax had my information which was collected and then shared with others without my permission.
Product: Debt collection

I am writing to file a formal complaint against Military Star for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Military Star placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt.

I hereby declare my revocation of all communication channels with Military Star, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Military Star provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Military Star is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with Military Star is blatantly false. I neither received any services or products from [ Debt Collector ] nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that Military Star is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.
Product: Mortgage

Carrington Mortgage reported us late paying our mortgage in XX/XX/2015 and it was never late. By showing us as late has us " negative '' standing on all three of our credit reports! Somehow our taxes from 2015 were escrowed and added to our Mortgage and we were not aware of it and called many times asking why our payment was higher and finally got an answer about a month later but our regular payment for XXXX was paid to them on Time!! They held our payment until they received the correct amount that they say was owed due to the taxes being added without our knowledge!! This is not our fault and our taxes were never to be paid and escrowed, and this has n't ever happened in the 11 years we have had Carrington!! If you look at my credit report it will speak for itself! You will see we have never in life been late paying a mortgage and that has been almost 30 years as a homeowner.
Product: Student loan

I called my XXXX XXXX company at XXXX, they directed me to an agent from XXXX XXXX XXXX, XXXX XXXX. He told me that if I sign up with their service I will automatically be signed up to the 10 year loan forgiveness program. The fee was {$990.00}. I asked him several times that if I sign up and pay the fee I will only pay student loans for 10 years, he said yes. So I agreed to the fees. Once my loans were consolidated and under XXXX XXXX, they told me I was not yet enrolled in the forgiveness program. So I feel that I was lied and scammed by XXXX XXXX. They told me as soon as I pay the processing fee I would be enrolled in the forgiveness program. The agent should have told me that I had to submit an application directly to XXXX XXXX and that there were further steps before I would be enrolled in the forgiveness program. I would have not paid their company if I had to do it myself anyway. 

Their fee is ridiculously high, {$990.00}. They should have only charged {$300.00} at the most. They should also tell their clients that they are a 3rd party that assists with loan management but that clients can submit forms and applications directly to XXXX XXXX. Companies like these should not exist because they are only taking away more money from students by making it seem that they helping. Students with loans need to be advised on what to do about their loans and options that they have but not be charged {$1000.00} for it, that is too high. 

There are also emails between me and the company where they asked for recent income but after i emailed them my paystubs, they failed to process but will again send another email to ask for income verification. They are not timely or organized in how they request and process client 's documents. It caused me to make a payment that was not updated timely. I made a payment of {$300.00} but then got a letter a week later that the payment amount was changed. I emailed paystubs and XXXX XXXX verification on XX/XX/XXXX on XX/XX/XXXX they asked for my income verification. It takes them a month to respond and with the wrong response. 

For other consumers, don't think that 3rd party companies will help. They will only charge a huge fee for things you can do yourself. Speak directly to XXXX XXXX for the loan forgiveness programs.
Product: Student loan

Initially, when the loans were open, I was protected under the SCRA, even though Citi on multiple occasions kept placing my loans in payment and default status. Generally, when this occurred I'd contact them, and they'd request a letter from my commander confirming my military status, and that would be the end of the case. However, when I went into the United States XXXX XXXX and continued to go to school, Citi on several occasions refused to place my loans in an in-school deferment status which negatively affected my credit ratings from all three credit reporting agencies. Over the past few months, I have been trying to get in contact with Citi Bank Student Loans. However, Citi Bank no longer has a student loan division due to it being sold to XXXX. XXXX does not hold my loans because Citi still holds my loans but the number that they provide is invalid. Email request to Citi either goes unanswered or referred to XXXX. No one can give any information on the loans ; however, they continue to update on my three credit reports as closed with a balance of {$9500.00} ( originally {$6000.00} ). I also was attempting to contact Citi to request a Student Loan Discharge due to me being a XXXX XXXX XXXX  Veteran. The United States Department of Education has already discharged my Federal Student Loans. 

Information on Credit Report : Opened : XX/XX/XXXX Closed : XX/XX/XXXX Account status : Closed Remarks : Collections Account - Placed for Collections
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2020, I have been disputing a XXXX account that appears on my credit report. I have disputed this with the creditor directly, as well as with the 3 major credit bureaus : Equifax, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on this account, because it was paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, I have not received any response from XXXX regarding fixing the errors on my credit report. This item is reporting inaccurately and should be immediately deleted. 

ALL of this is currently incorrect : -Account type missing on Equifax -Date opened is inconsistent across the 3 bureaus -High balance is inconsistent across the 3 bureaus -Credit limit missing on Equifax -Date of last activity is inconsistent across the 3 bureaus -Date of last payment is inconsistent across the 3 bureaus -Comments on account say the dispute " is resolved '', how can this be when this account is reporting erroneously and I have not received any response to my disputes?
Product: Vehicle loan or lease

XXXX XXXX XXXX was repossessed around XX/XX/XXXX and sold without our knowledge
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 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have The right to privacy 15 USC. 1681 section 604 section 2 .it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Srction states no consumer reporting agency may make any consumer report containing 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
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
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 XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX 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.
Product: Payday loan, title loan, personal loan, or advance loan

I was buying a hot tub. The hot tub dealer indicated that they had 1 year free credit options, through Wells Fargo. I thought that was a good deal since I knew I would be able to pay off the full amount in a year without incurring any interest. So, I bought the hot tub for XXXX from the dealer by enrolling in the wells fargo loan program, on-site with the dealer. This was in XXXX. The hot tub got delivered and everything seemed great. I enrolled in on-line banking with Wells Fargo because I wanted to watch the loan closely. I knew of Wells Fargo 's past history of abuse and I did not want it to happen to me. In fact, it had already happened to me in XXXX when they tricked me into opening up unnecessary accounts just so I could get a debit card and then they claimed it would not cost me anything but then they drained my account dry through fees that were undisclosed. They paid me back my money when I threatened to sue them but then I learned it was their pattern of practice when they got in trouble in XXXX or whatever. Anyway, I was watching the loan closely and I saw that it claimed a payment was due. I assumed it was a mistake because it was supposed to be an interest free loan for a year and I just had to pay it all back within a year and it would cost me nothing. However, sometime around the 60 day mark, I got a default notice in the mail, claiming I was in default. I called the phone number in bewilderment. They then explained that even though it was an interest free credit extension, I had to pay a monthly fee of like {$70.00} in order to keep it from going into default. I was angry because no one had told me that during the purchase process. The person on the line seemed uninterested in that or uninterested in trying to confirm if there had been an error made by the dealer in failing to explain the terms. I did not want there to be a big problem that could impact my credit or cause me to have to pay a bunch of interest. So, I asked to be able to pay the two payments and get out of default and just pay the rest of $ 270 monthly payments going forward. They said they could let me do that. So, I just dropped the issue and made the payments, since it was not worth my time to fight with them about the misrepresentations. Had they just been honest with me upfront, I probably still would have accepted the same credit and bought the hot tub with it. But it made me mad that they misled me, purposefully or accidentally. I assumed it was accidental. However, reading all the enforcement orders by the CFPB regarding how these finance companies mislead people, I thought it was worth submitting this complaint, even if way after the fact. Thanks for reviewing this and all your hard work in these areas holding these greedy companies accountable for misleading people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$8300.00} XXXX XXXX XXXX USA XXXX XXXX {$440.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i . I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX XXXX  XXXX. 
Account # : XXXX Amount {$2900.00} XXXX XXXX XXXX. 

Account number XXXX Amount {$830.00} Account name XXXX XXXX XXXXXXXX XXXX  Account number XXXX Amount : {$1900.00} Account name XXXX XXXX XXXX Account number XXXX Amount {$670.00} Account name XXXX XXXX XXXX  Account number XXXX Amount : {$470.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Amount : {$500.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$790.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$1700.00} I do not have a contract with these companies and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past XXXX months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX