23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

First problem- on XX/XX/23, made initial payment of {$750.00} to eliminate all interest accrued at that point in time so that the next payment I would be making a few minutes later would go entirely to principal. That payment does not appear in my payment history, but I do have the payment confirmation number saved in my email. 
Second problem- when I called to point out the first problem ( I spoke to XXXX on XX/XX/23, call began around XXXX XXXX and ended around XXXX XXXX ), it was over a two hour wait to get someone on the phone. The person I spoke to was dismissive because even though the payment wasn't visible to me in my history, " it showed on [ Nelnet 's ] side. '' Then it was a 10 minute process of getting the representative to understand that none of my second payment should have gone to interest since that was the entire purpose of the first payment ( that I couldn't see ). Then she put us both on hold for another 30+ minutes so she could get a supervisor to look at my account. Right before they closed, the original representative said that the supervisor understood the problem immediately and would get it resolved, but I never spoke to the supervisor myself. 
Third problem- I have been making excess payments to limit how much interest I accrue. I have set up percentage designations of how much of my excess payments should go towards each individual loan. Out of eight loans, four are given 0 % of excess payments, two are given 30 % apiece, and two are given 20 % apiece. Or that's how it is supposed to be- the two that are supposed to receive 20 % of anything in excess show that none of my excess payments have been attributed to their principals since the second payment that I made on XX/XX/23. 
Fourth problem- every time I have tried to call about the excess payment issue ( during their very limited business hours- their lines are open 57 hours per week, of which I am working during XXXX of those hours ), there has been an issue with the call where I can't make it through their menu to even get into the call queue before the system hangs up on me.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i keep asking them to verify the account and all that they say is that it's my account. I ask to see the signature and they say that all they have to do is to verify my ssn and that's all.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report promptly. I did not authorize or create these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target / TD Bank is reporting a charged-off account to XXXX that I was never responsible for. I was only an authorized user of the account and now that it has charged-off, I can't be removed from the account. This is hurting my scores and making it impossible for me qualify for a loan.
Product: Vehicle loan or lease

I have found out that there in fact two separate contracts in regard to the sale of the vehicle. Not only that but multiple blocks are different from each contract.
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 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  and list of Inquiries 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, 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. 

Account name : XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : CXXXX  Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX  Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX  Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX  Account number XXXX Account XXXX XXXX XXXX XXXX XXXX Account number 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 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. 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, credit repair services, or other personal consumer reports

Equifax is in multiple violations of my consumer rights as defined by the United States Congress in 15 U.S.C 1681.

Do not write me back telling me this is not me. This is in fact me and some consumers actually know and study the consumer laws. 

My information was compromised in the XXXX  Equifax Data Breach and I have made that very clear to Equifax. 

I have 3 unauthorized, inaccurate, and fraudulent hard inquiries that may have been a result of attempted identity theft. I did not grant anyone written permissible purpose as defined by 15 U.S.C. 1681b. 

The three companies are : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have spoken with the following reps with their Equifax ID # s provided below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and about 2 or 3 other reps just today alone. 

All of these reps have hung up on me, even while having the phone call recorded on my end for an attorney to listen to. I have communicated to them multiple times that they were being recorded and I have them recorded saying that it is an " internal policy '' that they don't talk to anyone that is recording a call when Equifax records every single call. I have asked them what Federal law requires them to hang up on me and no one has been able to give me a law because that bull crap. 

I have been told that my SSN does not bring up an account for those with the hard inquiries so I should contact Equifax to have those removed and Equifax refuses to budge. They willingly continue to break the law and they do not even add in files that I have sent to have on my record. 

These inquiries, including soft inquiries, need to be removed IMMEDIATELY! They are not linked to any account and they are unauthorized, attempted identity theft, and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to inaccurate inquiries on my credit report its been well over 30 days and I have not received any investigation results. 

. The inquiry was not authorizedXXXX XXXXDate of inquiry : XX/XX/XXXX 2. The inquiry was not authorizedXXXX/XXXX XXXXDate of inquiry : XX/XX/XXXX 3.The inquiry was not authorizedXXXX XXXXDate of inquiry : XX/XX/XXXX 4. The inquiry was not authorizedXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorizedXXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized US Small Bus Admin ODADate of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I came across the lawsuit involving the CFPB, Experian, and XXXX XXXX. 

I believe I have been negatively impacted by this situation, which has harmed my chances of obtaining credit. I received a response to my earlier dispute stating that the account was " verified. '' Additionally, I am a victim of identity theft and am certain that these accounts were not opened by me. I request that you provide evidence of these accounts or delete and remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Brought the car in XX/XX/2026, placed XXXX down on the car that the dealership and bank stated was towards the car. The car was for originally $ XXXX. I paid Two payments of XXXX the same day i brought My car. Sadly two weeks later was t bone and the car written off for a value of {$10000.00}. My insurance insured the check to the bank but some how i owe XXXX which makes no sense as payments are {$270.00}. They close the account after several years of me disputing the information and now said it was repo when it was never repo it was salvage. I still Ended up paying the debt off as a repo kill my credit, but theyve yet to do as I was told my a rep a remove the charge off. They never tried to make me whole again after the wreck.
Product: Credit reporting or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation into the accounts listed in my consumer report. Despite my multiple requests for a review, I believe these accounts are not being reported in accordance with legal standards. I received a letter indicating that the credit Bureaus investigation was completed and that the accounts were confirmed as accurate. Could they please provide a detailed explanation of how this investigation was conducted? For their convenience I have listed the alleged accounts in question : XXXX. XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX. XXXX XXXX Balance : {$0.00}
Product: Mortgage

I recently refinanced with InterContinental Capital Group Inc. My problem is with the amount of junk mail I have started receiving after applying and closing with them. It is absolutely insane and ridiculous. I get junk mail with their name on it almost every single day usually more than one a day for months. This fact alone I would never recommend that company to anyone period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting someone elses name as mine. I have submitted dispute after dispute along with copies of my photo id to prove that I do not carry this name yet they have continuously refused to remove this information. My second issue is that Experian is reporting my 4 open student loan accounts as closed. This is false. Again, I have disputed this information by mail, online and by phone only to have them continue to overlook the disputes and continue to report the false information. Upon my call to Experian, I was told that this is information can not be updated. Experian is the only credit bureau that has not updated my score to reflect my true FICO score and in comparison to the 2 others is the lowest by at least 75 points due to their consistent reporting inaccurate information and refusing to fix the issue no matter the number of disputes submitted or calls. In todays climate and with the history of racism due to poor credit reporting practices towards people of XXXX, I can not help to feel that this is my current situation as what is happening makes no other sense. I have submitted countless disputes over this situation and others and I am now literally at my wits end with this. Experian needs to be held accountable for their poor practices. My second issue is regarding a surname that continues to appear on my report as well. I have disputed this information and have submitted photo identification to prove that this is not me! I have never gone by any other name than my birth given last name. I have never been married however they refuse to remove this name from my report as it is not my last name. I dont know what else to do at this point. XXXX and XXXX  have never hesitated to report my information accurately however this seems to be something Experian is not capable of.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you refer to complaint XXXX, this companXXXX XXXX XXXX XXXX responded to the company with no documents, validation materials, nothing to the CFPB, nothing to me, and they closed the complaint with no resolve and without documents that I am entitled to within 30 days under Federal Law - 15 U.S. Code 1692g - Validation of debts, b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
The furnisher XXXX XXXX XXXX failed to provide to me or CFPB any requested documents that I am entitled to owe federal law within 30 Days and I hereby request that you order the deletion of these accounts listed on my credit file that was reported by XXXX XXXX XXXX. This relief I am entitled to by federal law..
Product: Credit reporting or other personal consumer reports

The company was taking money from my account monthly, but did not help me with credit repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete these erroneous items IMMEDIATELY and send me an updated copy of my credit report, thank you. I have attached a copy of my ID and a FTC report. 

XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY PISSED ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, passport, driver 's license, This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

INACCURATE ACCTS : 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 Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!!

DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Product: Debt collection

After reviewing my credit report, I found accounts that I think were added without my approval and are incorrect. I ask that these fraudulent entries be removed and blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am un able to get a copy credit report from equifax after several attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Federal Trade Commission ( FTC ) CC : XXXX, XXXX, Transunion Dear XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance Owed : {$3900.00}, XXXX XXXX Balance Owed : {$7400.00}, XXXX XXXX Balance Owed : {$4600.00}, XXXX XXXX Balance Owed : {$330.00}, XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance to fair credit reporting act these companies have violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2023 Dear, CFPB All XXXX Credit Bureaus, XXXX, Experian, XXXX have used my account XXXX XXXX XXXX for Employment purposes. If you look at the the remarks from each credit bureau they are all listed different. Across all 3 bureaus the information should be the same Paid and closed in the remarks section. CFPB this is clearly a violation under the Fair Credit Reporting Act. If these companies can't reflect the same information in the remarks box paid and closed, then I want this account deleted from my credit report due to inaccurate information. 

Sincerely,