23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loans are through Navient. The payment plans are unreasonable. There is no way I can pay my monthly payment. The payments are always changing. I 'm not sure what I am paying for. I tried consolidating my loans, but was hit with a failing job market. The school I attended has closed down and I cant even get my transcript to start more classes to get a better paying job. The loans are constantly rising as well as the interest rates. I currently owe {$31000.00}. My loan has went into default without any knowledge. Was never told the true cost of forbearance or even how my loan has reach the amount of {$31000.00}. They never offered the IBR payment plan. This has caused so much interest. I can not pay this loan with my income. I can not benefit from this loan or the diploma program because the school ( XXXX XXXX XXXX ) has closed and this makes the program void. With this much debt and program of study I cant utilize, I will never pay this off, because I wont make the money to pay it off. I cant get a decent job because I have no college diploma because the school is closed. yet I 'm still being billed XXXX dollars. This company has did so much to students and consumers trying to take everything making it impossible to live a life. I can not benefit from this loan the school is closed and I am so lost and drowning in debt.
Product: Mortgage

Since quality loan response to CFPB XX/XX/XXXX various agency assisted with matter to provide new information. 
Quality Loan Servicing was the foreclosure and eviction attorney forXXXX XXXX California XXXXQuality Loan Servicing legal for eviction did not notice the court of the bankruptcy stay XX/XX/XXXXThe foreclosure XX/XX/XXXX appears to be void able based onInvalidity of notary XXXX XXXX XX/XX/XXXX foreclosure documentThe notary was unable to confirm any such document exist in notary journalCurrently my interest remains in propertyThe certified documents are being sent by certified mail to CFPB
Product: Credit reporting or other personal consumer reports

Im reaching out for assistance with the false account shown on my credit report. This issue has harmed my reputation as a customer, and I require your help. I want these accounts removed as they are incorrectly and negatively reported.
Product: Credit reporting or other personal consumer reports

I am reporting unauthorized hard inquiries on my Experian credit report, despite having a history of identity theft. The following inquiries were made without my consent : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> ). ** I attempted to dispute these inquiries, but Experian does not allow online disputes for inquiries. I have also taken proactive steps by freezing my credit file to prevent further fraudulent activity. However, these inquiries remain on my report, impacting my credit unfairly. I request an investigation into these unauthorized inquiries and their immediate removal, as required under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

i filed my income taxes online and on my credit report was a new charge thru XXXX XXXX   for {$130.00} loan on XX/XX/2020 that i never applied for or recieved and now its gone to collections to midwest recovery systems i believe somebody from 2 previous addresses that i lived at is responsible for theses charges for the same thing happened under my wifes name for a payday loan she never applied for from the same previous address that we have not lived at for more than 6 yrs i disputed this thru XXXX and reached out to XXXX XXXX and midwest recovery and have got no response i reached on on XX/XX/2020 this is for sure identity theft my identity has been compromised
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX, and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer. Equifax has issued conflicting and misleading dispute results, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( XXXX ). 

Discrepancies in Dispute Results I have filed the following disputes regarding this account : 1. Confirmation number XXXX was submitted on XX/XX/year>, and was marked as completed on XX/XX/year>. 
2. Confirmation number XXXX was submitted on XX/XX/year>, and was marked as completed on XX/XX/year>. 
3. Confirmation number XXXX was submitted on XX/XX/year>, and was marked as completed on XX/XX/year>. 
4. Confirmation number XXXX was submitted on XX/XX/year>, and was marked as completed on XX/XX/year>. 
5. Confirmation number XXXX was submitted on XX/XX/year>, and was marked as completed on XX/XX/year>. 

These accounts has never been removed and continues to negatively affect my credit report, making XXXX response both inaccurate, misleading and causing me ongoing distress. Misrepresentation in Dispute Results : Reporting that the disputed items were completed, taking mere days to complete while it remains on my credit report violates the CFPAs prohibition on unfair and deceptive practices. I request that the CFPB take action to ensure Equifax, XXXX and XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

YOUR COMPNAY IS REPORTING SEVERAL ACCOUNTS ON MY CONSUMER REPORT THAT ARE INACCURATE. ALL OF THESE ACCOUNTS ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND INACCURCIES IN THE PAYMENET HISTORY BETWEEN EXPERIAN, TRANSUNION, AND EQUIFAX. THIS IS A VIOLATION OF THE FCRA. THESE ACCOUNTS MUST BE DELETED IMMEDIAYELY. ( XXXX XXXX ) ( XXXX  ) ( XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received an update from XXXX XXXX that a new debt was added to my credit report. When I did my resareach I saw it was from XXXX XXXX for {$900.00} which is a light company in New York. I have resided in Florida since XXXX, therefore this light bill is not mine. When I contacted XXXX XXXX on XX/XX/XXXX, they stated the bill was under my name and my ex-wifes name but it was my social so only under my credit and it was from XX/XX/XXXX until XX/XX/XXXX. As I have not lived in New York since XXXX and have been divorced since XXXX, this clearly is not my bill and I did not authorize anyone nor did I give permission to anyone to obtain a light bill under my name. This was clearly my ex-wife and she should be responible for this. I was not aware one was even opened in New York. I informed the company this was not me and they informed me to file fraud on this wesbite. 
I also informed that that i never opened an account with them even when i was residing in New york.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  # XXXX and 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
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
Product: Credit reporting or other personal consumer reports

Dept of Education {$290.00}, {$2700.00}, {$5100.00}, {$7500.00} all reporting on all credit report 's XXXX, TransUnion, and XXXX. In accordance to fair credit reporting act this creditor has violated my rights under 15 USC 1681 602 states I have a right to privacy. 15 USC 1681 604a 2 a consumer reporting agency can not furnish an account without my written consent. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices which violates the Consumer Financial Protection act ( CFPA ) Specifically cash app failed to take timely and effective to prevent and address fraud in their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process is was unfair and deceptive as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$9300.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX  XXXX Balance : {$580.00} ; 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

They are say I owe them debt from date of service XX/XX/year>. And I didnt purchase anything.
Product: Mortgage

As of XXXX/XXXX/2015 at our third modification meeting, we had met with bank represanative XXXX XXXX for Nationstar XXXX mortgage Servicer XXXX Mediatior XXXX, our Realtor & attorney present. During this meeting we were told specific steps by the bank we needed to follow to proceed with short sale. XXXX/XXXX/2015 House on Market. XXXX/XXXX/2015 received cash offer on house same day as mediation. XXXX called bank & bank counter offered & stated higher amount needed to settle with bank. XXXX/XXXX/2015 Cash Buyer agreed to new terms. Offer pending since XXXX/XXXX/15. BPO done on XXXX/XXXX/2015 .XX/XX/XXXX15 Home Search notified our agent of an auction on property. XXXX/XXXX/15 Cash Buyer cancels offer due to auction. Auction Dates XXXX No offers. Porperty still on market XXXX/XXXX/2015 Home Search notifies realtor of new auction. Auction Dates XXXX. XXXX received notofication from XXXX XXXX short sale coordinator that short sale purchase agreement auction has been received.XX/XX/XXXX Offer sent to us & our attorney. XXXX Attorney has concerns about agreement : stating who is the " Seller '' and also Escrow Date of TBD. Also emailed XXXX XXXX coordinator concerns so she could forward to Nationstar. Meantime Home Search ( Auction site XXXX contacting Auction Buyer stating they want to close in 15 days. Buyer notifies our realtor of correspondence. No correspondence/contact to XXXX XXXX XXXX short sale coordinator ) our Realtor, our Attorney, from Nationstar or Home Search. XXXX Nationstar requesting new BPO??
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number:XXXX  Account Name : XXXX  - Account Number:XXXX Account Name : XXXX  - Account Number:XXXX  Account Name : XXXX XXXX  - Account Number:XXXX  Account Name : XXXX - Account Number:XXXX Account Name : XXXX - Account Number:XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

PLEASE SEE MY EXHIBITS ATTACHED PROVING FCRA VIOLATIONS ( see the attached ) For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account.

I have even seek the CFPB assistance and the inaccurate accounts remains. For the last time please take a look at my attachment and follow along : Item # XXXX XXXX  # XXXX REFORTING TWICE ITEM XXXX XXXX  # XXXX Reporting twice XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. 

Once again they reported the same account closed several times twice also with different closing dates and date of last payment. 

Such as Account closed on XX/XX/year>, the same account closed again on XX/XX/year> and reporting as XXXX seperate accounts on credit report : ( see the attached ) Questions : XXXX How can you verify the same account numbers reporting twice on a credit report? 

XXXX. How can you say you call the company and verified reporting inaccurate information? 

XXXX. How can you close the same account twice at the same time on a credit report? This is inaccurate and violation of FCRA laws. 

I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. 

Rather than wasting time on a lawsuit i keep pointing out these errors yet they willfully refuse to remove the inaccurate information from my credit report.

If they fail to remove these two items for my credit file i will move to file a FCRA complaint in Federal court where i will ask for compensatory and punitive damages for {$180000.00} for the damages this inaccurate reporting have caused me for the past 24 months.
Product: Credit reporting or other personal consumer reports

I have over 9 HARD INQUIRIES I never applied for these companies
Product: Mortgage

The escrow analysis document sent by Freedom Mortgage reflects the following disbursements from my escrow account : - {$3200.00} for property taxes ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) - {$3600.00} for hazard insurance premiums ( XX/XX/XXXX and XX/XX/XXXX ) In total, I have paid {$6800.00} into my escrow account. 
Deducting the {$3200.00} for property taxes and {$3600.00} for hazard insurance leaves a balance of {$16.00}. 

I have requested a release from escrow, because Freedom Mortgage continues to claim an escrow deficit even though all my property taxes and hazard insurance premiums have been made. They are tagging an extra {$310.00} a month to my mortgage for a, " required minimum balance ( also known as the escrow cushion ), '' which they have calculated to be {$3700.00} ( see attached escrow analysis ). 

I would rather pay my property taxes and hazard insurance premium myself. I can not afford Freedom Mortgages {$310.00} per month escrow cushion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian agent would do nothing.  I have multiple accounts in "good standing" and "pays as agreed" but $XXXX balance and still showing "payments monthly" ie $XXXX  balance and $XXXX due monthly .  This is wrong.  The creditor looks at this and sees $XXXX   on each account of 10 accounts with $XXXX balance and thinks I owe $XXXX  monthly!  This doesn't make sense per comparing to XXXX and XXXX showing $XXXX balance $XXXX payment monthly.  This date XX/XX/2019 I called Experian and was put on hold and left hanging after agent  said she would not change or dispute to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent credit inquiries on my XXXX credit report on XX/XX/2023. 
XXXX inquiries from MICROBILT XXXX, XXXX I call them and they would not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/2022 XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX : {$660.00} XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX 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

Incorrect information for state tax lien. I have attached the delinquent tax list and my name or ss # is not there.
Product: Credit reporting or other personal consumer reports

Company violated my consumer rights to the privacy of personal information by credit reporting via 15 USC 1681 during the national data breach exposing and compromising my full name, dob, ssn, address and other personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account number an open-end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

I was reviewing my Credit report and noticed that XXXX  information was incorrect
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Opt Letters with disputes were send to these companies
Product: Credit card or prepaid card

Chase Bank, has charged what they state as trailing interest. They state this interest was calculated on a XXXX balance. I have a letter from Chase stating my balance is XXXX and my account is closed.
Product: Credit reporting or other personal consumer reports

XXXX has my bank account information showing on my consumer reports without deposits made by employer and all transactions and I want it removed immediately as well as I want to opt out of all three credit agencies being able to access my personal information and account information and anything concerning or pertaining to my social security number permanently
Product: Debt collection

This account was close on XXXX. 
When I decide to close the account there was a payment of XXXX cents or something similar but the problem was resolved and the account closed. The teller took me to a room and let me know the account was closed and gave me a receipt. After in 2021 when I applied for a apartment I was told I had a collection for the same bank. I asked the bank for help but they sent me to a different location and in that location they sent me to the first one. None of them gave me information about the collection or why the account was reopened after it was closed years ago. They probably thought because it was only over XXXX dollars it was okay for me to pay but it was and still is very difficult for me to pay that amount plus it has ruin my credit all this years. 

I asked the collection agency what I could do and they told me to get in contact with the bank branch to help me delete the collection as only they were able to so so, and the bank said it was up to the collection agency, not them.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA ), this letter is a formal request to correct inaccurate information contained in my credit file. The items listed below are incomplete and misleading. I requested proof of late payments through letter in XXXX XXXX XXXX no proof was given by credit company.