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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 4 notarized dispute letters with documentation supporting my claims via certified mail to XXXX and Transunion on XXXX/XXXX/22. 

The post office confirmed that they was delivered and XXXX and Transunion said they didn't receive them and refused to fix the inaccuracies on my credit report. 

I tried to reach out to both Transunion and XXXX but was unsuccessful with resolving this matter. I also have the certified mail receipts to support my claim.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and notice fraudulent activity. please remove all accounts. 

experiaXXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX I am filing this cfpb complaint to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, Experian credit reporting agency block all information on my credit report that is a result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an XXXX XXXX account opened on XX/XX/XXXX under account number XXXX with a balance of {$110.00}, an account was opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX with a balance of {$590.00}, and a XXXX XXXX XXXX account opened on XX/XX/XXXX, account number XXXX with balance of {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've listed the hard inquiries in question as well as a copy of the identity theft affidavit. 
INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my Consumer Credit Report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts collection and hard inquiries are a result of identity theft and fraud. Please have these accounts removed from my credit reports, for they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exits. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX. {$18000.00}, XXXX XXXX. {$400.00}, XXXX XXXX. {$2100.00}, XXXX XXXX. {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, fully authorize this investigation. Last week I thought I saw an unauthorized account on my credit report which would be XXXX XXXX and a collection. Please forgive me I mistakenly thought it was unauthorized but I fully have verified that the account is accurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 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 in months that are reported late 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 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 1002 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 am writing to formally dispute an incorrect late payment entry on my credit reports. This incorrect information has been reported to the credit bureaus XXXX, XXXX, and TransUnion by XXXX  XXXX XXXX. 

Account Details : Account Number : XXXX XXXX XXXX XXXX Last Reported Date : XX/XX/XXXX ( LATE PAYMENT ) Reported Late Payment Amount : XXXX  Open Balance XXXX XXXX Credit Limit : XXXX Statement of Dispute : Upon reviewing my consumer reports, I discovered a late payment entry that is factually incorrect. I have never been late on any payment for the aforementioned account. Since XXXX, I have had automatic payments set up from my bank account to ensure all payments are made on time. There has never been an authorization to remove this auto-pay setup. 

Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX5 U.S. Code 1681a, the term " consumer report '' excludes transactions or experiences directly between the consumer and the business. Reporting agencies are required to ensure the XXXX  possible accuracy of the information they provide. Reporting an inaccurate late payment constitutes a violation of this requirement. 

Action Requested : I demand that this incorrect late payment be immediately removed from my credit reports. If proof of the alleged late payment can not be provided, I insist that my payment history be updated to reflect XXXX payments as they have always been. 

XXXX XXXX XXXX have a vital responsibility to report consumer information accurately. The incorrect late payment reported by XXXX  XXXX XXXX has caused unnecessary damage to my credit score and financial reputation. I urge you to investigate this matter promptly and correct the inaccuracies in my credit reports. 

( 15 U.S. Code 1681a ) : Consumer Report : A consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Maximum Accuracy : Agencies must ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Attached copy of my documents for verification
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjust - XXXX & account XXXX - is currently reporting on my credit report recently. These accounts were paid a long time ago and they were sent to collection in error. I have never received anything from them or the bureaus regarding my disputes.
Product: Mortgage

In XXXX 2015, I had a broken water line under my sink, which flooded my kitchen. I opened a claim with my insurance company, but due to the amount of the damage, was required by my servicer, PennyMac Loan Services LLC, to sign over the loss draft to them to be placed in a " restricted escrow account, '' and they would disburse the funds in stages throughout the completion of the work. My mortgage balance is approximately {$87000.00}, my property value is approximately {$550000.00}, and the loss draft totaled approximately {$12000.00}. I have never been late on a payment. From the very beginning, PennyMac gave inconsistent and incomplete directions on what steps I needed to take to receive disbursements ; at every conversation with their representatives, I got different requirements ; or upon providing the requested documents, PennyMac would add a new and additional requirement. At one point I was even told that in order to disburse a portion of the funds, I would be required to have an additional inspection ( at my cost ) to certify the refrigerator and washer/dryer were plugged back in and functioning! Their behavior in the loss draft department is unfair, abusive and deceptive at every turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.this account is 7 years old its time to remove it 2.they are reporting as ( ok ) on XXXX and the last date they reported it was on XX/XX/XXXX 3. On Experian they did not report since XXXX 4. XXXX they are not reporting at all 5. XXXX says the last payment was on XX/XX/XXXX 6.Experian says last date of payment is XX/XX/XXXX 7. XXXX says the last payment was on XX/XX/XXXX 8. All 3 have different comment on that section This needs to be removed due to fcra Al due to date inaccuracies
Product: Vehicle loan or lease

I have a vehicle loan through One Main Financial. My payments are usually made automatically via XXXX. On XX/XX/XXXX I made a payment online for {$610.00} prior to my due date. On XX/XX/XXXX upon checking my accounts there was an additional {$610.00} that was withdrawn due to the automatic payment not being caught by One Main 's System and canceled by the payment already made. I called that Monday and was told to send a bank statement showing the two transactions that were made for a refund of {$610.00}. The representative stated that I would need to call to cancel the automatic payment as their system does not read that information. NO WHERE listed on their site does it state that. If I had known that or if that had been information that was available to ALL consumers I would have called. I was not given that option and am still awaiting a refund of {$610.00}. I sent in documentation as specified on XX/XX/XXXX was told on XX/XX/XXXX when I called to confirm the status of the refund and ensure what I sent in would suffice I was told it should take another 48 hours to complete and my refund would be received via XXXX. As of XX/XX/XXXX I still do not have my refund. And when I called to check the status I was told TODAY that the document was rejected. The document was from my bank, listed, my name, One Main 's name, and the amounts that were deducted. I was told to send in a bank statement however, like ALL financial institutions statements are not generated until billing cycles are done on a monthly basis and mine won't cycle until next month. I can not wait that long. Requiring a consumer to do such is unethical. Not listing all information on payment websites is predatory.
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 has violated my rights. 


I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


And According to 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: Debt collection

Re : Immediate Cease and Desist & Formal Debt Dispute Account # : XXXX, I am writing in response to your repeated attempts to collect a debt that does not belong to me. I have no association with the creditor XXXX XXXX, and the debt in question is not mine. The address you have on file, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, is not my address. 

As a result of a data breach involving my personal information, which occurred on XX/XX/year>, and was disclosed to me by XXXX XXXX XXXX XXXX XXXX see the enclosed documentation ), my personal information, including my Social Security number, was compromised. I have reason to believe that this debt may be related to fraudulent use of my identity. I have taken steps to protect my identity and am actively monitoring my credit. This breach has resulted in unauthorized use of my personal details, and I am not responsible for any debts incurred by these activities.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute the validity of this debt and demand that you immediately cease all further communications with me, including phone calls and letters. Your continued contact constitutes harassment and is a violation of the FDCPA.

Additionally, under 15 U.S.C. 1692e, any false representation of the character, amount, or legal status of any debt is prohibited. Since I am not legally responsible for this debt, your continued efforts to collect are unlawful.

I request that you provide : XXXX. Proof of my legal obligation to pay this debt, including the original signed agreement or contract. 
XXXX. Verification that this debt is actually mine, based on legitimate information and not as a result of identity theft. 

Should you fail to comply with this request, I will pursue legal action for damages related to harassment and violation of my rights under both federal and state law. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  State Attorney Generals Office.
Product: Student loan

I was told I did not owe a payment to Nelnet when the XXXX loans started up again. I kept checking and my account had {$0.00} due. I did get a bill for XXXX, which I paid in full. I logged in this morning only to see a past due amount for the last 90 days. I called and they said they could not do anything other than put it in forbearance for a month but it still shows past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Missing positive information, incorrect addresses, balances not updated
Product: Credit card or prepaid card

I purchased an appliance on XX/XX/2021 but it didn't fit. I called to have it returned and was told to wait a few days to get it cleared. I needed the fridge and couldn't't wait so I had my credit increased. A few days later, XX/XX/XXXX, I bought another one. Now, both charges were on my account. Apparently there is a debt protection program that I was enrolled in. I had inquired about this years ago and the employee says its a fee for not using a debit card. XXXX, I didn't question it because it was a few bucks each month. Now, I had 2 large charges on my account which caused it to go over the limit even though one should have been returned. I waited and called back a few weeks later and was told it wasn't cancelled yet so they would cancel it. I waited a few weeks and it was still on my account. It was time to pay my monthly payment but I don't feel it is right to pay a payment when my account isn't correct. I called again and was informed that it was never cancelled but NOW would be cancelled. I waited for it to show on my account as a pending return. I noticed that the debt protection fee is {$40.00} which is way more than usual.I called debt protection number that was on the statement and they explain what it was and how its charged so much for every dollar amount charged. I asked to cancel it and it was. 
I received many calls everyday asking when I would pay my payment, but was never contacted to let me know the status of my return or any follow up calls. So, I informed the person that I would pay the payment once my account is correct. She informed me that she will return the late fee. I asked why I was charged so much for the debt protection when clearly the fee was accessed for both appliances and didn't take out the part that was returned. I don't understand why I am charged almost double for the protection fee when that was Best Buy 's mistake of not returning the 1st appliance so the debt fee was calculated for the over {$5000.00}. The lady on the phone said that the debt fee was returned but I do not see it. I'm tired of going back and forth with it. I refuse to pay such a high debt protection fee for an amount that shouldn't have been on there for more than a week, but was there for almost two months because of Best Buy 's mistake.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year> I reached out to the loan company to request a loan modification for a lower payment amount. I explained that my housing payment was to double a few months later. On numerous occasions, the loan company refused. They instead offered a delayed payment but refused to accept a permanent modification. I said I could pay {$300.00} a month which I paid until they turned it over to collections. The people I spoke with were rude and unwilling to help. Now the collector is also refusing any sort of lower payment and is saying they will only accept the same amount that I couldn't pay before. I have no money. I can't afford my groceries most of the time and I'm in danger of losing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
3. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
4. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
5. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
8. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
9. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
10. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
11. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report
Product: Student loan

Hello, I am requesting support reviewing and assessing management of my student loan. I received a loan while receiving my education a XXXX XXXX XXXX University in the late XXXX 's. I then went and got a masters between XXXX and XXXX, where I again received a student loan to complete the work. I received about {$50000.00} in total. I later consolidated my loan in XXXX. I recently reviewed my loan because my repayment was going to start again after COVID deferment. It was at that time that I noticed a disturbing piece of information. I noticed on the Fed Loan Servicing website that I had paid {$15000.00} in interest payments out of {$20000.00} in payments. Only {$5000.00} went towards the balance! I have never been delinquent in payments and never received a notice of action to be taken due to non-payment. On my credit report my payment status report " exceptional '' under Fed Loan Servicing. I have received a one-year deferment over the last 20 years when I was between jobs and not earning. After reviewing my payments on the Fed Loan Servicing website, I have noticed dozens of months where whole payments went to pay interest even though all payments were within the " pay by '' due date. After {$20000.00} in payments, I have seen no reduction in the initial disbursement amount! 
I requested a review by Fed Loan Servicing and received dome documents stipulating the terms of my loan, but no review. I received no explanation as to why the distribution of my payments were the way they are, why dozens of payments have not gone to paying any balance, how I could pay so much interest without ever being recognizably in the arrears, never late on any payments, and never received any information advising that I am managing my loan inappropriately. At this rate I would pay close to {$200000.00} on a {$50000.00} loan. I can not accept that this is correct without an explanation and if it is I would have to find some other way to dissolve this loan because paying 4x the amount of your loan is not feasible or sensible. I would have to consider bankruptcy. I would like to include that my credit is excellent, and I have never had an issue paying my bills. I need help figuring this out. I have called Fed Loan Servicing hundreds of times requesting an explanation, but their staff are unable and just advise having a review done, which I have Every time I call Fed Loan Servicing for support, I have to wait a couple of hours to speak to someone and there Call Queue that is supposed to call back when your turn in line coms up if you leave your phone number, now only hangs up after offering the option. I do not believe that I will get any assistance through Fed Loan Servicing, I will be forced to start paying my loan back without explanation as to why it is managed this way, I will pay an exorbitantly high amount for such a loan and will never achieve remitted status.