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

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.Despite my previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the account be verified or repaired immediately. 

XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX {$36000.00}, XXXX XXXX {$610.00}, XXXX XXXX balance {$22000.00}, XXXX XXXX balance {$39000.00}, XXXX XXXX balance {$10000.00}, XXXX XXXX balance {$23000.00}, XXXX XXXXXXXX XXXX XXXX balance XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as per the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding discrepancies in my credit report and, to date, have not received any response. The following details the inaccuracies and corrections required : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1900.00} ) : This account is not mine, and I request its removal from my credit report. 


XXXX ( Date Opened : XX/XX/XXXX, Balance : {$250.00} ) : The reported balance is inaccurate, and I request a revision of the Past Due information. Kindly mark this account as disputed until the discrepancy is resolved. 


XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$280.00} ) : This account is not mine, and I request its removal from my credit report. 


XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : I dispute the reported balance and Past Due amount for this closed and charged-off account. Please mark it as disputed while I resolve the discrepancy with the creditor. 


XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1400.00} ) : This account is not mine, and I request its removal from my credit report. 
XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$21000.00} ) : This account was never late, and I request a correction/update on my credit report. 


XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$320.00} ) : This account was never late, and I request a correction/update on my credit report.
Product: Credit card or prepaid card

USAA XXXX XXXX credit card had set up on automatic payments then all of a sudden Im late get a phone call stating that my account is past due. Then my limit was dropped below and now they raised interest rates up And I will never get it paid at this rate
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy federal credit union Please tie this to my husbands complaint XXXX with your agency his name is XXXX XXXX Navy feferal heloc was part of a 2012 foreclosure and should be removed they have retailiated and placed their account twice on my credit report and shown as open. I will file a complaint with the attorney generals officem Also there are 3 hard inquries i teqieated to be removed or send me a copy of a signed application for each. 
A photo pf both issues attached.
Product: Debt collection

Mutual Financial Partners XXXX XXXX XXXX will not provide me with any information regarding the debt. I have asked for written proof, but they will not provide it. I received a call from a " locator '' asking me to verify my address to " deliver documents ''. I was originally told that they are called " XXXX '' out of XXXX XXXX. After some research, I found out otherwise.
Product: Money transfer, virtual currency, or money service

I got scammed through XXXX XXXX and cashapp out of $ XXXX.I was trying to call XXXX  costumer service about a reoccurring amount taking out of my account. Went online searching for XXXX  support billing. Got a number and called them and from there I started getting scammed
Product: Debt collection

I have XXXX insurance. I have XXXX. did not pay the bill until a questionnaire was answered. Instead of waiting for questionnaire to be answered. Turned the bill over t a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times with all the credit reporting agencies and with this company to get my credit report 100 % accurate! This is extremely frustrating and not fair that neither of these companies are helping me in any way!!! This is the United States LAW to have my credit file 100 % accurate! You are also failing me by NOT HELPING ME get this 100 % accurate! I have even sent you ALL THE LETTERS of me trying to communicate with this company and each of the credit reporting agencies. I will ask you one last time to help me get my report 100 % accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Mortgage Services ran three hard Inquiries on credit report. Dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2020. I never authorized This company to run 3 Hard Inquiries.
Product: Credit reporting

Transunion is reporting XXXX incorrect addresses. This is not or never have been my addresses. Please remove the following addresses, immediately : XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The major credit reporting agencies ( XXXX, Equifax, XXXX ), are giving lenders too much power over information reported by lenders about consumers. Credit reports/scores reflect whatever lenders are reporting including inaccuracies which has a catastrophic effect on consumers creditability. All of my accounts both open and closed are currently in good standings and have been since the duration of the account ( s ) open, yet my credit score continues to decrease. It went from a XXXX FICO score to XXXX within a year and a halfs time ; all without having one single negative remark. As a result, I have been turned down for employment as well as credit/loans based off of scores even though my payment history is 100 % paid as agreed for all my accounts. Creditors are manipulating the impact on the information about my consumer credit reports and are prolonging the resolution process by repeatedly reporting inaccuracies. Meanwhile, I continue to miss out on opportunities that would have been available to me had an accurate account of my creditworthiness been reported. There were times I made large payments and even paid off balances and my credit score continued to decreased based off of utilization and balances. Lenders have fabricated the details of their reports causing other lenders to close accounts that were in good standing. Many creditors have also decreased the credit limits on many of my good standing accounts causing my utilization and balances to spike to and above the available credit limits. Currently, creditors are manipulating consumers credit reports to accommodate for their own benefit rather than the consumers. Creditors are disregarding the set backs due to the XXXX pandemic and over flexing their powers to report consumers creditworthiness. They are offering relief to consumers but are not honoring the offers and/or maximizing higher interest opportunities during the relief process. Creditors are capitalizing off of the fall of the economy during the pandemic and taking it out on the consumers. Credit reporting agencies are enabling creditors to misrepresent consumers creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$680.00} ), XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit limit {$250.00} ), XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$3200.00} XXXX AND XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Highest Balance {$370.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Student loan

In XX/XX/2016, Ameritech Financial contacted me stating that they can lower my student loan payment and guaranteed loan forgiveness within 15 years with their assistance, but none of my monthly payments went toward my student loan balance. As a matter of fact it only went up more because of the interest. The FTC sent me a letter stating that there is an active lawsuit against Ameritech Financial. I contacted the company and they refuse to refund my money back. I have paid {$850.00} to this company with proven bank statements.
Product: Mortgage

U.S. Bank ( parent company : U.S. Bancorp ) is not responding to why my loan is delayed and not providing any schedule information. 

I applied to U.S. Bank for construction loan ( construction-to-mortgage ) and received pre-approval and approval - but then the loan was not issued. I am waiting .. waiting, but the loan never came. I've been approved- but have no loan. 

When you ask your banker or mortgage officer, they dont know what to say.

When searching for the possible reasons for the banks behavior, you will immediately find that it is related to the subject of Mortgage Forbearance, which is a program offered to people who were struggling to make their mortgage payments during the Covid-19 Pandemic. They were allowed to delay their mortgage payments, some up to a year and others even up to 18 months, such that this obviously short-changed the banks revenue. Lack of mortgage payments to lending institutes means lack of replenished funds for new mortgages. 

But this all follows a schedule. It is even documented by HUD ( attachment ) how the Mortgage Forbearance periods will take place, with end of the forbearance period ending six months after the Covid-19 National Emergency ends. During XX/XX/XXXX, the Covid-19 pandemic was declared over ( President Biden ) . But the forbearance periods are actually staggered, such that many forbearance periods have ended months ago. Anyones new mortgage loan can be considered in the here and now, with the latest possible postponement to XX/XX/XXXX. I am applied with a construction loan which is typically one-third the amount of a regular mortgage. Certainly this follows a different schedule because if it is one-third the amount of a regular mortgage, the time flow could be rightly divided by three ( one-third the delay time ). 

But U.S. Bank is apparently not saying anything about the forbearance issue to anybody - not to customers nor informing bank managers nor loan officers. All you get is a blank stare from your banker. 

Why is everybody so left-in-the-dark and not informed why your loan is not being issued? 

This might be the reason : During the pandemic period, instead of delaying new loans- they loaned out. Instead of stating a normal delay to new mortgage customers, they loaned at the time of their request ( without knowing the consequences ). Right now the bank is so strained with forbearance periods and with the new loans they issued right in the middle of the forbearance periods. No wonder they are speechless ( stunned ). 

Therefore, Instead of a fair delay-schedule to all new mortgage customers, some people have their mortgage loans right now, while others will be delayed who knows how long?
Product: Credit reporting, credit repair services, or other personal consumer reports

Some how my wife and I without our knowledge was put on as authorized users on a account which we had no knowledge about through XXXX XXXX, we finally got a letter stating that we had been removed from said account in a letter XX/XX/2019 and it stated they had informed us we was removed XX/XX/2019 however my credit score is still -91 points
Product: Debt collection

I was contacted on Sunday XX/XX/XXXX at XXXX
Product: Credit reporting or other personal consumer reports

Upon review of my consumer credit reports from XXXX, EQUIFAX, AND XXXX, I noticed the following errors : Outdated address information. Incorrect names, and Unknown employers. 

I ALSO FOUND THE FOLLOWING ERRONEOUS INFORMATION WITHIN MY XXXX, XXXX, AND EQUIFAX CONSUMER REPORTS : account from XXXX  XXXX opened XX/XX/XXXX. This account was opened fraudulently. An account from XXXX XXXX opened XX/XX/XXXX listed as an authorized user. I have never been an authorized user on and XXXX XXXX account. An account with XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. This account is fraudulent. An account with XXXX XXXX XXXX XXXX  opened XX/XX/XXXX. This account was opened fraudulently. An account with XXXX  XXXX XXXX  opened XX/XX/XXXX opened fraudulently. I have requested to be removed from a closes XXXX XXXX account opened XX/XX/XXXX as that account does not belong to me. An account that was sold to XXXX XXXX XXXX  from original creditor XXXX XXXX reported as opened XX/XX/XXXX is a fraudulently opened account. A collection account bought from XXXX XXXX by XXXX XXXX XXXX opened XX/XX/XXXX is a fraudulently opened account. An account sold to XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX is a fraudulently opened account. 
FRAUDULENT INQUIRIES IN MY XXXX CREDIT REPORT ARE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - reported by XXXX, EQUIFAX XXXX XXXX - XX/XX/XXXX - reported by XXXX XXXXXXXX XXXX  XX/XX/XXXX - reported to XXXX XXXX XXXX XXXX - XX/XX/XXXX - reported to XXXX, XXXX, EQUIFAX XXXX XXXX XXXX - XX/XX/XXXX - reported to XXXX and XXXX, EQUIFAX XXXX  XXXX XXXX XX/XX/XXXX - XXXX to XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to XXXX, EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX to XXXX XXXX XXXX - XX/XX/XXXX - XXXX to XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - reported to EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX - reported to EQUIFAX XXXX XXXX XX/XX/XXXX - reported by EQUIFAX XXXX XXXX - XX/XX/XXXX XXXX reported to EQUIFAX XXXX XXXX XXXX - XX/XX/XXXX XXXX reported to EQUIFAX Each account, and inquiry I have listed XXXX XXXX are in fact fraudulent, as i did not provide consent to these companies to utilize any of my personal identifying information to establish an account, and/or provide services. 
I have been unsuccessful in my attempts to remove the fraudulent information from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of a series of multiple attempts of fraud using my identity that followed an armed robbery on XX/XX/2022. A hard inquiry from SyncB/JCPenney appeared on my credit report, to which I made several calls to the company to get information on an attempt to create an account using my credentials. Though I was able to retrieve an associated address over the phone, I have since been unable to retrieve a hard copy, even after the detective in my case made a call himself. I was told to write a letter to a given po box to address the issue, but I have had trouble getting an update on the matter over the phone and I have not been able to verify if I will be receiving my requested documents. The detective is requesting hard proof of the said address and other information involved in the fraudulent attempt to create an account via SyncB/JCPenney.This information is needed to identify a potential suspect who was involved in the armed robbery.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach and Identity theft. My information was stolen and used to open multiple fraudulent accounts. I have shared this information with Equifax and Equifax has done nothing. please help me get these fraudulent accounts deleted from my credit reports immediately I have listed below and I have included proof of Identity and Address and Identity Theft Affidavits XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX Equifax Subject : Dispute of Inaccurate Credit Report Information Due to Identity Theft To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report. I am a victim of identity theft resulting from the Equifax data breach, which compromised my personal information. I am requesting that you investigate and remove the inaccurate or fraudulent accounts and inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
The following items on my report are not authorized by me and were likely created or altered as a result of identity theft : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX there are 2 separate accounts XXXX. XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Under the FCRA, you are required to verify the accuracy of any disputed information within 30 days. If the disputed items can not be verified as accurate, they must be promptly removed or corrected. I request that you provide written confirmation of the results of your investigation. 
To assist in your investigation, I have enclosed the following documents : 1. A copy of my government-issued ID.

2. A copy of a recent utility bill or other proof of address.

3. A copy of the FTC Identity Theft Report Please treat this matter with urgency and ensure all communications regarding this dispute are sent in writing to the address provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX ________________________________________ This letter is tailored to outline your dispute and assert your rights under the FCRA. Make sure to customize it with specific details about the disputed accounts and any evidence you have.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C. 1681 section 602 A states that I have a 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. 166b states that a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Student loan

Navient XXXX XXXX has refused to release me from co-sign contract. My daughter has maintained a consistent payment for well over XXXX years ago and by contract I was supposed to be released from the co-sign contract if she consistently paid for 36 months and showed evidence of XXXX employment during that time period as well They claimed that since my daughter picked up other Credit debt I still have to remain a co-signer to the school loan ... XXXX is an unfair requirement and a violation of the original contract when I co-signed on the original loan
Product: Payday loan, title loan, or personal loan

I spoke with the company today and inquired about paying off my loan. I have received loans from this company for over two years so I am aware of how expensive they are. On several occasions when I have called to do an early payoff the representative has offered to waive the finance charge for the pay off. I always call prior to the due date of my loan. That was not the case this time. I had taken out a loan for {$800.00}. I have already made one successful payment on time on XX/XX/2018. I spoke to the manager and the rep who informed me that my pay off would be {$980.00} if I pay on the first. The manager stated that they are able to do so if several payments have been made. So basically after they have gotten more than enough money from you they will work with you. If I was able to make a payment today the manager offered me a discount and said my pay off would be {$750.00}. I also tried to inquire what the actual fee was for XXXX. The rep only told me there is an 485 % apr. Which i am aware of but that is not what I was asking. I referenced their website which shows an example for {$300.00} that payback is XXXX. I feel that there practice is criminal. Especially since I was asking for something that they have been able to do before. There are so many people that get these loans and don't pay them back. I am not one of those people.