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

**Consumer Complaint : Request for Correction of Inaccurate Information on Credit Report** Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> -- - Dear [ Credit Reporting Agency XXXX XXXX XXXX am writing to bring to your attention some inaccuracies in my consumer reports relating to late payment entries. I have carefully reviewed my report and found entries indicating late payments for an account with [ XXXX ] ( [ Account Number : XXXX ] ) for which I have maintained timely payments. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure the utmost accuracy of the information they report.

I demand an immediate investigation into the discrepancies on my credit report. Please provide verifiable evidence, such as account statements, to substantiate any alleged late payments. If you can not provide this evidence, you are legally required to update my records to reflect my accurate payment history, as per FCRA Section 611.

There are only four days remaining to complete this investigation from the date of my initial request. Non-compliance with this timeline will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action.
Product: Bank account or service

I had gone on a  XXXX   XXXX   XXXX  vacation back in early  XXXX  of  XXXX . It was a  XXXX  night  XXXX   XXXX   (   XXXX   XXXX   XXXX  departing on  XXXX / XXXX / XXXX  at  XXXX  and returning on  XXXX / XXXX / XXXX   XXXX  with the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    ).      During the last  24 hours of my trip I purchased a {$25.00} USD  souvenir from the   XXXX   store. However, after the trip, I received my credit card statement with a charge that was {$2800.00} USD that I had not authorized! I immediately filed a dispute. Since then I have spent countless hours calling both the cruise line and Chase bank, as well as physically going into several  Chase bran ches in both   XXXX   and  XXXX  to try and resolve the issue. Every time I make a phone call, departments continuously make excuses saying " it 's not their departments responsibility '' and would transfer me to the next department. I have continuously asked both the merchant and bank to show me the proof of my signature and neither have been unable to provide any proof of signature!     Now, it has now been over half a year and Chase bank has just recently given me a deadline (  XXXX / XXXX / XXXX  ) to pay my bill. They also have charged me interest on the late payment and are threatening to send this to collections agency. I have continuously tried to dispute this with the result always ending in both merchant and bank unable to provide the proof of my authorization. I really am not sure what else I can do at this point and hiring a lawyer would probably cost me more than the money they are charging me but this is complete fraud for something I never purchased! PLEASE PLEASE PLEASE HELP ME!!!
Product: Student loan

In XXXX I co-signed for a private student loan for my nephew to complete his college degree. He graduated in the middle of the financial crisis and had difficulty finding a job. Because of the financial crisis my husband lost his job, suffered a myriad of issues and I ended up declaring bankruptcy in XXXX. 

All debtors were duly notified and ALL debts were discharged in bankruptcy except my own personal federal student loans form XXXX school. 

In XXXX I started receiving collection calls from Chase for the loan that I had cosigned for my nephew. I sent them the discharge papers from Bankruptcy and the calls stopped. They then sold out the loan to someone else who not only started the collection efforts against me but against my nephew and reported it on my credit report. I again sent the information to the company and disputed the negative reporting on my credit report. XXXX removed it but not XXXX or XXXX, which caused my score to be weighed down significantly, caused credit declines and continues to report on my report. 

XX/XX/XXXX my nephew paid off the loan. Last year when I tried to purchase a home, part of the issue of decline from various mortgage companies was student loan reporting on my credit as a charge off. I requested a copy of my credit report from XXXX and noticed that it was reporting that I owed CHASE XXXX approx. {$8800.00}. 
I contacted my nephew to get evidence that he paid off the loan from the bank. After much back and forth, they eventually sent him a letter this year. While they had received payment, they kept reporting it on my credit report even though it was discharged already in Bankruptcy in XXXX! And the fact that I had to keep disputing this on my credit report and these morons keep telling me the balances are reporting correctly is exceptionally infuriating. They have cost me in thousands in high interest payments and declines in access to credit!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a secured loan account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of ( private ). These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Over the past few weeks, I have been harassed by my mortgage company, particularly by this XXXX agent, XXXX XXXX. He talks down to me and is very negative. I had a call with him last week and one today, XX/XX/XXXX. He does not listen and talks over me and he talks to me like I am behind and will not pay, when I have paid them monthly. I sent them a letter back in XXXX when I had a major home repair that caused me to pay them after the XXXX of the month. They did not respond. 
I spoke with another agent who called and he gave me another fax number to resend the letter and I resent the letter successfully. They did not respond from XXXX when I resent the letter until yesterday. I received a letter confirming that they did not make a late report to the credit bureau. The first agent ( a female-XXXX on XXXX ) asked for when I would get back on point and I told her by XXXX. She did a review of my finances and said that I do have the ability to pay my mortgage based on my income and noted that I would be back on schedule by XX/XX/XXXX. I thought that would have ended the phone calls, but recently, XXXX XXXX has been harassing me and causing me stress.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company keeps calling for a XXXX XXXX XXXX dozens of calls - maybe one per day for several weeks ), and we have repeatedly told than that she is not at this number. Yet they keep calling.
Product: Payday loan, title loan, personal loan, or advance loan

At the time of this loan the sales persons told me that the loan should be less or the same of my electric bill. When this company start bill me my bill double. i never expect my bill to be double. cause the solar systems should stabilize my bill. I switch to solar cause my bill always raise and never go down. The sales person ask me for a bill and do there calculation and told me my bill should be the bill i was paying. Only to my surprise my solar bill double. And am still getting my electric bill now not only my bill double got full bill from my electric company. This is the reason am here cause this is not what i expected. i expect to pay what i was paying before and no longer get bill from my electric company.
Product: Debt collection

Capital One bank is reporting inaccurate and predatory information that has manipulated me and manipulated the credit system. First of all on one account they have that I was 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX, this is not correct you cant be 120 days late on two separate months this is false and inaccurate information which purposely extends bad reputation on my name manipulating me. Then on the second account they have I was 120 days on XX/XX/XXXX and XX/XX/XXXX this is false information and not only is it false it is impossible on a credit report. They are also using predatory practices of reporting charge-offs on multiple months in a row to extend the life time of the debt on my credit reports to further tarnish my reputation as a young individual. The charge off is only supposed to happen ONCE. Capital One Bank is reporting a charge off from XX/XX/XXXX all the way through XX/XX/XXXX which is impossible because if it was charged off on XX/XX/XXXX thats it! You cant charge off the same account again after that with a balance that I cant even use. Inaccuracies across the board to manipulate me and hurt me for years to come of my young life. A CLEAR VIOLATION OF MY RIGHTS AND LAWS FOR A FAIR AND ACCURATE REPORTING. They are purposely reporting false charge off months and information on my credit report so they can have it reporting for longer than it is even legally supposed to be on my report. I have the proof of this on all credit reporting documents. I need this report deleted and completely erased off my credit reports so it doesnt tarnish my reputation and further affect my wellbeing. THEY ARE DOING THIS ON TWO SEPARATE ACCOUNTS JUST DRAGGING ME INTO THE GROUND, TARNISHING MY REPORTS AND MANIPULATION. The resolution to my complaint would be to completely delete the two accounts off ALL 3 of my credit reports for false information, inaccurate reporting and manipulation of my credit reports to pursue me which is illegal what they are doing and not a reflection of fair or accurate reporting. Scaring me and sending collection agencies to scare me with the company XXXX XXXX XXXX XXXX texting my phone to get money from me. They scared me and manipulated me and my credit reports and I just wanted it to stop and not tarnish my name any further. I have documentation attached for both accounts that I am reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have this information fixed numerous of times : I now have proof from NSLDS.ed.gov ( which is the National Student Loan Data System with the Federal Student Aid ) that my loan was in Forbearance on XX/XX/XXXX. Please see attached. Previously, when submitting this complaint, I had my years ( XX/XX/XXXX and XX/XX/XXXX ) mixed up. If you will, please take a look at the attached document that was downloaded from the government website. It shows on XX/XX/XXXX, I was still in Forbearance and that the loan was consolidated in XX/XX/XXXX. I remained in Forbearance until the loan was consolidated.

Details : I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but Nelnet serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted Nelnet in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for Nelnet for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to Nelnet in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But nelnet refuse to take actions to correct this issue.
Product: Credit reporting or other personal consumer reports

See previous Complaint XXXX XXXXXXXX. Regardless of complaint closure, I continue to disagree with XXXX policy of maintaining XXXX XXXXXXXX annually, interest free, in escrow account. XXXX claims " required '', which is not true - that amount is actually the maximum they are allowed by law to retain. Policy is unethical and unfair to customers. 

XXXX did subsequently agree to escrow ( re ) analysis, and I worked with rep XXXX XXXX during XXXX to accomplish. I paid the monthly principal and interest due ( XXXX ) on XX/XX/XXXX, to avoid any late fee or negative credit reporting, even though XXXX XXXX previously agreed to waive any late fees. There were some reasonable delays in the process due to the successive XXXX and XXXX XXXX 's holidays. After the escrow ( re ) analysis was completed, I promptly paid the new ( reduced ) monthly escrow amount ( XXXX  ) on XX/XX/XXXX. Despite our good-faith work together, XXXX improperly XXXX posting the XXXX payment amounts and subsequently reported the mortgage account as negative. 

I paid the new monthly payment total amount ( principal, interest and escrow ) for XXXX ( XXXX  ) on XX/XX/XXXX.
Product: Credit card

basically someone opened a kohls/capital one under my name on XX/XX/year> and spent XXXX XXXX  at some shoe store that i was unaware of until i called the credit card company and they had let me know where they had spent the money at. Right now the credit card company is still investigating the situation and will let me know in a few more weeks the end result.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Account the following accounts have violated my rights : XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XX/XX/XXXXXXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A. Section 2. States that a consumer reporting agency can not furnish an account with my written instructions.
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  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 XXXX XXXX ( 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: Mortgage

XX/XX/2016, I notified Selene Finance ( Mortgage Holder ) that I would be doing a short sale in which I also requested cancellation of debt. Per Selene Finance, I submitted ALL Selene 's required documents to include my financial information in which I questioned the necessity since I was NOT asking for a loan modification. Selene gave a deadline of XX/XX/2016, to submit a sales contract. On XX/XX/2016, XXXX ( Realtor ) faxed Selene Finance a signed sales contract along with ALL Selene Financial required documents. Upon checking the status, Selene keeps stating they did n't receive a document ( each time a different document ) and each time XXXX has faxed claimed missing documents NUMEROUS of times. Last status check, XX/XX/2016, yet again, Selene attempted to have not received particular documents ; however, with XXXX tenacity, Selene informed XXXX they have all the documents required yet the review would not be completed until XX/XX/2016, which is unacceptable. It is unquestionably clear of Selene Finance attempt to undermine the sale of my property and this is not unacceptable.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

I have already filed multiple complaints and due to the Fair Credit Reporting Actk, XXXX  XXXX is failing to comply with the ACT. As required by law, XXXX XXXX  has not satisfactorily investigated my claims. I am also feeling age and XXXX XXXX  because when I call to try to explain that I AM NOT the person that opened the account, the agent on the line disrespects me and puts me on hold and XXXX of them said they spoke with me already. I Assured them that They DID NOT speak with me. i feel they have broken the legal obligations to fairly investigate my information and make this right for me. I have been denied retirement and military right and services due to me under the AGENT XXXX XXXX VA benefits because XXXX  XXXX is reporting something that I NEVER opened. I wish to start a class action suit of somekind against this company for opening a credit card in my name without verifying that it was me. I believe they did this once before.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file.XXXX XXXX XXXX Balance : {$410.00}
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX XXXX XXXXXXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report last XXXX XXXX XXXX  Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Original creditor : THE XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX