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

In XXXX of 2020 I filed a dispute with the three credit bureau ( XXXX, Experian, and XXXX  ) about an account that was reporting inaccurately on my credit report which was XXXX XXXX  account number XXXX XXX. I asked for methods of Investigation from all three credit bureaus and received nothing from them. But XXXX  removed this inaccurate account on my credit report which was correct to do according to the FCRA. But XXXX  and Experian did not send me any method of Investigation nor any reason why they were leaving it on my account. Which leads me to believe that there was not a full investigation.i sent another dispute in XX/XX/2020 about this account and it came back verified. How is it that XXXX  removed it because of the inaccuracies which is correct according to the Fair Credit Reporting Act, but Experian and XXXX  Deemed this accurate. I'm asking that they remove this account immediately According to the rules of the Fair Credit Reporting
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 XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights.

Or 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

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I had to parcel 's that set side by side. XXXX XXXX XXXX XXXX, XXXX Co owner of XXXX XXXX, now XXXX, stole my identity, XXXX parcel homestead ( located XXXX. ) ( XXXX ) and submitted a 1st mortgage into XXXX XXXX. Then refinanced that mortgage changing the parcel to my XXXX XXXX parcel and falsifying the address to " XXXX '' XXXX XXXX XXXX XXXX. to hide the " XXXX '' XXXX XXXX 1st mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit DEPT OF XXXX XXXX, XXXX OF XXXX XXXX
Product: Mortgage

When my mortgage loan was closed, my property taxes were improperly funded. As a result, I faced an escrow shortage of {$4500.00} for 2015 property taxes. At the time my loan was serviced by XXXX. They agreed to spread the {$4500.00} shortfall over 60 months, which lessened my financial burden. My loan has been transferred to Carrington Mortage Services, and while they have agreed to spread my escrow shortfall, they did not keep the same escrow repayment terms in place that I had agreed to with XXXX. As a result, my monthly mortage payment is increasing dramatically and causing me financial hardship.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX DATE : XXXX SOCIAL SECURITY # XXXX DATE OF BITRH : XXXX In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 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: Mortgage

My complaint concerns XXXX XXXX, doing business as LoanCare. 

This mortgage servicer that bought my loan from another lender. Their phone service makes it impossible to speak to a live person to receive an explanation for the increase in my monthly payment. I want to speak to a live person. Their phone system makes this impossible. Furthermore, their on-line submission link does not work. 

I appears they have established a system to keep customers from fully interacting with them. 

I want to interact with them but they have established barriers at all turns.
Product: Student loan

Hi, I had previously submitted a complaint in XXXX  of XX/XX/XXXXwith Sallie Mae - who has since sold my loan to Navient. The previous complaint case number was : XXXX.

The complaint was centered around raising my payments after doing an interest only repayment. I settled on an agreement with Sallie Mae - which was to an extension of 3.5 years to help keep the payment at the original payment amount of XXXX per month.

Upon checking on the status of these loans - it looks like they have extended my loan to XX/XX/XXXX. I graduated in XX/XX/XXXXand was told that my Master Promissory Note shows a 10 year repayment. This means that I should be done paying these loans in XX/XX/XXXXor XX/XX/XXXX at the absolute latest. My monthly payments have also steadily increased from {$620.00} a month to {$670.00} a month currently ( and to be clear the total interest being paid a month is actually less than it was in XX/XX/XXXX).

I tried calling Navient and asking for the agreement and original master promissory note. I was told they would get them to me by Friday of last week ( XX/XX/XXXX ) and they have still not been sent.

I have been paying these loans for over 11 years at this point. I took a short period of time where I paid interest only and I'm aware that this extended my payment - but I did not agree to have this extend to a 19 year repayment. This is unacceptable and I'm hoping you will be able to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware 20 minutes ago that Credit Plus XXXX XXXX  XXXX XXXX XXXX XXXXXXXX pulled a hard pull on my consumer files. I did not authorize this company to authorize any pulling. I dont even know who this company is XXXX I am dealing with brokers in Pennsylvania and I stated Soft pull only to everyone. 

This is 100 % unauthorized and I demand it removed immediately or I will sue according to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX , GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX , GA XXXX ; XXXX / XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account listed on my credit report was one of the creditors listed in my bankruptcy case. The account has been showing as open and over the limit since before I filed my case on XX/XX/22. I called the creditor to request the report be updated and was informed I had to request by mail. I sent a letter to the creditor with a copy of the bankruptcy petition but never heard anything. At the beginning of XXXX I opened a dispute of the account with Experian. The results came back as allegedly being provided documentation proving the account is correct. At this time the bankruptcy was discharged. I reopened the dispute and provided copies of the petition, schedule listing creditor, and the discharge notice. The results came back today that the account was proven to be accurate. The account was included and discharged in bankruptcy but creditor refuses to abide by court order of bankruptcy discharge.
Product: Credit reporting or other personal consumer reports

Recently I requested a Re- Investigation to XXXX XXXX XXXX XXXX and the report came back updated but there weren't any changes made. The Consumer report that allegedly was updated states that the last reported payment was made on XX/XX/2023 but clearly shows that the last payment was made in XXXXThis is in clear violation of FCRA laws and denies me of my rights to have a 100 % accurate report. 15 U.S. Code 1681s2 ( 1 ) ( A ) states : 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. This inaccurate information falsely manipulates my creditworthiness and is hurting my ability to obtain credit. Your reporting agency has failed to investigate and Reinvestigate this account properly after I repeatedly asked to have the account updated. Y Your neglect has once again violated my consumer rights. I am demanding a DELETION of the following account : XXXX XXXX XXXX XXXX XXXX  Attached is a highlighted screenshot showing the false last payment date I have disputed this 3 times already! Clearly Experian doesn't have to abide by the FCRA guidelines and can report anything they want to on a consumer report. 

CFPB Please have Experian delete this account immediately!
Product: Debt collection

I have received a letter from Conrad Credit corporation claiming that I have a debt of {$2900.00} owed to XXXX XXXX and consulting. I have never heard of either one of these companies and have never in my life been associated with them so I know for a fact that I do not owe this kind of debt to them. I have never been in business with them or never owed this type of amount to anyone before.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX & XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX XXXXXXXX XX/XX/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, credit repair services, or other personal consumer reports

My loan amount due reported was incorrect and I received an 8 month delay on reporting to the credit reporting agencies. The amount due was originally reported XX/XX/XXXX as verified by an agent with XXXX XXXX XXXX XXXX and all payments have been made on time and the account current. Though the amount due was just reported via Equifax on XX/XX/XXXX and caused a XXXX point deduction to my credit report incorrectly. Lastly the amount due showing is incorrect at {$6000.00} when the actual amount is {$5900.00}. Please assist in having this rectified and fix this discrepancy as it's causing me a major financial setback. Thank you very much.
Product: Debt collection

Cavalry has been reporting erroneous debt information on my credit report and refuses to validate the debt. I have contacted them numerous times, most recently on XX/XX/XXXX and XX/XX/XXXX and still have not received validation and they continue to report and resume collection activities, all in clear violation on the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent a complaint to the bureaus they are in direct violation of 15 U.S. Code 1681 a no opt out was given by creditor prior to giving out my personal information this is in violation of FCRA and opt out under U.S.C 6801-6805. 15 U.S. Code 1681b - Permissible purposes which i did not consent to credit reports are supposed to be 100 % Accurate and not misleading to creditors under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation of the FCRA. 

ACCOUNT EFFECTED WITH DERAGTORY MARKS OR CHARGE OFFS. Below ON CONSUMER REPORT. 

XXXX XXXX/ Other Loan Past due : {$2100.00} Collection/ Chargeoff XXXX XXXX Credit Card Past due : {$2000.00} ChargeOff XXXX Credit Card Past due : {$1300.00} ChargeOff ATTCHED IS IRS PUBLICATION 4681- PG 2 UNDER INTRODUCTION STATES : Introduction This publication explains the federal tax treatment of canceled debts, foreclosures, repossessions, and abandonments. 
Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. 
Note. This publication generally refers to debt that is canceled, forgiven, or discharged. 
for less than the full amount of the debt as canceled debt. 

Charge offs are claimed as income for tax purposes and should not show up on credit reports. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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. 
By violating section 1681 b for permissible purpose and 1681 c for information contained in consumer reports they are also violating compliance procedures under this title.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX {$20000.00}. I have disputed this item previously, requesting the ORGINAL WET INK SIGNATURE CONTRACT, pursuant to section 609a of the FCRA. This company has failed to provide me with this infomation in a timely manner, which they have not provided this information to me properly, which is fraud against my credit report. I have been provided with a COPY contract ( see attachments ) which is not deemed vaild by law. Not only is the contract not a ORIGINAL contract with WET INK SIGNATURE, there are multiple federal violation. THE COPY CONTRACT states that A CASH DEPOSIT was given along with the extension of credit by using a consumers social security number. PURSUANT TO 15 U.S. Code 1662, DOWN PAYMENTS ARE ILLEGAL. I have contacted my attorneys who is prepared to begin a litigation process against each agency who is reporting fraudulent information this is not VERIFIED to my credit report. I have received multiple letters that state " this item was verified '' which is not VALID VERIFICATION. DELETE THIS ITEM IMMEDIATELY
Product: Vehicle loan or lease

Applied for credit with Honda Financial Services and other lenders and denied. Yet, I can take out $ XXXX worth of student loans and my credit score was never evaluated. Further, such student loans have been satisfied and yet I still can not purchase a car from a reputable dealership.

And, please do not start with this credit score XXXX  ( XXXX XXXX XXXX XXXX but this is just another construct or barrier to entry that makes simple, mundane tasks ( going to work, dropping kids off at school, going to the grocery store ) impossible for the financially disadvantaged.
Product: Payday loan, title loan, or personal loan

See attached documents for complaint and explanation. The companys response are complete lies. Check the XXXX  about this company and how they do business. There response is false and unacceptable.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting XXXX XXXX Account number # XXXX Delete this account. 
2.12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Inquiry Date XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I order a copy of all 3 credit reports and I notice that bankruptcy was on all 3 reports equifax, XXXX and XXXX I disputed this bankruptcy and i ask all 3 credit bureaus for verifiable information and they said they verified from the bankruptcy court, so I reach out to the bankruptcy court and they sent me a letter stating they don't verify any information with the credit bureau 's and they do not report bankruptcy on a person 's credit report. I will include court paper.
Product: Debt collection

I have been unable to pay a small loan that I owe Regional Finance due to financial difficulties after divorce. Regional Finance continues to call my place of employment after being asked not to over XXXX times and also letter sent to them asking for them to stop calling my place of employment. I have given my cell number for contact which has voicemail but when I do n't answer they call my employer number right after leaving me voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the company no asnwer. I have written and sent documents to all three bureaus and the company. Nothing has been done.
Product: Student loan

I am a co-signer on a private loan my son has. It went into default, I was never notified about the default, no calls no mail until a XXXX Envelope this date. Three months and NAVIENT reported her late and in default. How can they do this without contacting her to cure the problem. This totally killed our refinance we are working on for our home. I talked to a Rep at NAVIENT and he told me to write to them to get this corrected. That will take us into XXXX, The loan as of this date was made current by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH, XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,