23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is my 7th complaint about a loan that I have said for several years was paid. I have asked Navient and CFPB to review my concerns on several occasions. Navient has repeatedly stated that I owed {$37000.00} for three courses in XXXX XXXX. That would be a gross overpayment of educational fees. I am submitting as evidence the ledger from the XXXX XXXX XXXX  financial aid office. The ledger indicates that I only borrowed/ received {$13000.00} from Sallie Mae XXXX  Navient information is an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a Dispute with Equifax, Dispute number  XXXX . This dispute came back to me as resolved pertaining  XXXX  agencies I filed on. Both have been removed from my credit report as you can see on the attached results from Equifax. I was pleased. Then recently in a updated credit report, this item that was investigated and removed from my report ended up being placed back onto my report. This is getting really irritating. How can you investigate and have this  XXXX   XXXX  collection removed and then in a month have it added back again? I think this reporting bureau should lose their right to credit reporting. I have circled in red the disputed action taken from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I sent some letters to the credit bureaus in the beginning of XXXX and I haven't heard anything back from them since. They are reporting late payments to my report during the covid forbearance period. I am a victim of Covid and I feel like im being taking advantage of. Please can you help me because these companies are not following the rules and regulations, thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute XXXX failure to properly reinvestigate and correct inaccurate information on my credit report. Specifically, XXXX has failed to remove multiple hard inquiries that have already been deleted by XXXX. This discrepancy indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and raises concerns about the accuracy and fairness of your reporting practices.

The following unauthorized or inaccurate inquiries remain on my XXXX credit report despite being removed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA ( 15 USC 1681i ), XXXX is required to conduct a thorough reinvestigation of disputed items and ensure that the information it reports is accurate. If XXXX, another major credit reporting agency, has deleted these inquiries based on its investigation, then XXXX should reach the same conclusionunless it can provide verifiable evidence proving otherwise. If the same data furnishers are reporting to multiple credit bureaus, then all reports should reflect identical and accurate information. 
XXXX continued reporting of these inquiries, despite a failure to verify their legitimacy properly, constitutes willful noncompliance under 15 USC 1681n. If this issue is not resolved promptly, I will consider taking further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all legal remedies available to me.

I demand that XXXX immediately : 1. Conduct a proper reinvestigation into these disputed inquiries.

2. Provide specific details on how these inquiries were verified, including the methods used and the data relied upon.

3. Permanently remove the listed inquiries from my credit file.

4. Provide me with an updated credit report reflecting these corrections.

For your reference, I have attached : A copy of my XXXX credit report, showing the deletion of these inquiries.

Prior dispute correspondence.

A copy of my identification for verification purposes.

I expect a full resolution of this matter within the 15-day period required by law. Thank you for your prompt attention to this matter.
Product: Mortgage

Elite home funding nmls # XXXX has been calling me to the point of harassment. Ive asked to be removed from the auto dial system and they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with transunion. checking my file ive noticed alot of invalid data please correct all information submitted asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Experian, XXXX, XXXX multiple times and requested all addresses be deleted other than my physical address and my mailing address. My phone request was met with all denials that I couldnt dispute personal information, Statements, fraud alerts, or personal inquires or accounts. Ive attached my dispute resolution
Product: Credit reporting or other personal consumer reports

I would like Mis information accounts removed and addresses that does not belong to me off of Equifax.
Product: Mortgage

I was approved for a mortgage loan we found a house we loved everything was rolling into place paid out of my pocket {$1500.00} for inspections then was still told everything was good still with my loan then I put out another {$500.00} for a hot water heater that needed to be installed cause the water heater failed inspection. Everything was still approved had the go ahead from mortgage broker so my realtor was trying to schedule a closing date with my mortgage company. It was then at this time the Mortgage broker XXXX XXXX contacted my realtor and said it was n't going to fly that was all he said to my realtor that was in XXXX I still till this day have NOT heard from XXXX never contacted me to tell me what happened all of the sudden and why did it NOT fly when I put all this money into a house I thought was mine and my families I also called XXXX and left Several messages with him and he still has not returned any of my calls I am very upset with how XXXX XXXX from Aurora Financial group handled my loan and treated me as a customer purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me, please block and remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently my identity was stolen and I reported a fraudulent account under the name XXXX XXXXXXXX who are the collection agents for XXXX XXXX who claim I do not have a loan with them on my credit report with XXXX XXXX. Police report is XXXX. It has been over 30 days and I still have not received a response. Every time I call for for years my account is always held with the fraud team so I can not get access to my report and I am put on hold for 2-3 hours every time. This includes when I call in because their system can never keep my login credentials correct and I am forced to reset every time I log in. Now I am being forced to pay for services I have been receiving for free for decades. I am sick of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a charged-off account to TransUnion 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: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get something removed from my credit file. There is fraud going with  XXXX    XXXX    and  XXXX . I have a Federal Trade Commission report now Equifax say I need a police report. from  XXXX     2016 p resent. I have place alerts and freezes. Spoke with  XXXX   XXXX  Fraud department but it still is coming through with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

The employment data reported on my Equifax, XXXX and XXXX XXXX credit report is inaccurate. I want the following accurate information reported and listed on my Equifax, XXXX   and XXXX XXXX credit report : Employer Name : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX Position : XXXX XXXX XXXX ( XXXX  ), Salary : {$300000.00}.
Product: Debt collection

I am writing to address the fraudulent accounts associated with my name and identity within your system. I have undergone the necessary steps to process an identity theft investigation, and I am enclosing the Identity Theft Affidavit along with this letter as evidence of my claim. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX 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 XXXX XXXX
Product: Checking or savings account

Called to open dispute XX/XX/18. Called back in XX/XX/XXXX for update yo find that dispute was never opened. Was officially filed on the XXXX was was lied to about immediate credit. Waited 1 hour for supervisor who never answered. Filed complaint with XXXX XX/XX/XXXX. XXXX agent, XXXX, reached out that same day. Offered {$40.00} customer satisfaction credit, not effecting provisional credit due XX/XX/XXXX. Nothing recieved XX/XX/XXXX so i reached back out to XXXX who never returned my call. Called XXXX  and was told that it would be XX/XX/XXXX. Check amount today, XX/XX/XXXX, and still no deposit. Reached out to XXXX AGAIN with no answer and to return back XX/XX/XXXX. Representatives not giving consistent info, are very rude, supervisors never answer their phones and constantly interrupt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Request for Deletion of Charged-Off or Closed Account Due to 1099-C Issuance Dear XXXX, I am writing to formally dispute the continued reporting of a closed account on my credit report. According to IRS regulations and the Fair Credit Reporting Act ( FCRA ), a creditor that issues a Form 1099-C for cancellation of debt is acknowledging that the debt has been discharged and no longer collectible. 

The account in question is : Creditor Name : Citibank CBNA Account Number : XXXX XXXX Date of Charge-Off : Not available Amount : {$1200.00} Under IRS Code Section 6050P , once a Form 1099-C is issued, the debt is considered canceled, meaning the creditor has forfeited any further collection activity, including reporting the debt negatively on my credit report. Therefore, this account should be immediately removed from my credit file. 

Failure to properly investigate and remove this information from my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I am prepared to take legal action if necessary. If you do not comply, I will seek statutory damages of up to {$1000.00} per violation, in addition to punitive damages, attorney fees, and court costs. 

Please conduct an investigation into this matter and provide me with written confirmation of the deletion. If you continue to report this invalid debt, I will have no choice but to pursue all legal remedies available to me. 
I expect your response within 30 days of receiving this letter, as required by the FCRA. 

Sincerely, XXXX XXXX
Product: Credit card

Issue with chargeback dispute I opened regarding food I did not receive I received wrong order via XXXX XXXX XXXX XXXX  failed to resolve the issue so I had to open a chargeback Initially it was resolved in my favor but apparently merchant provided some mysterious proof to reverse the charge The restaurant messed up my order gave me someone elses How does XXXX XXXX  provide proof to show what I received in the bag Im asking for this chargeback to be reopened Im left unsatisfied with the results of this dispute Im left without the food I ordered and my money Dispute XXXX
Product: Credit reporting

Attention dispute department XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$100.00} REV {$210.00} MIN {$43.00} {$130.00} XXXX DELINQ XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX COLLECTION XXXX Late Dates : XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX COLLECTION XXXX Late Dates : XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$810.00} OPEN {$810.00} XXXX {$810.00} {$810.00} XXXX COLLECTION XXXX XXXX A XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$360.00} OPEN {$360.00} XXXX {$360.00} {$360.00} XXXX COLLECTION XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1800.00} XXXX - {$1800.00} XXXX COLLECTION XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$1000.00} XXXX - {$1000.00} XXXX COLLECTION XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

An account that is closed can not be simultaneously past due, as closed accounts should not have ongoing payment obligations. 

This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all affirm inc, accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b
Product: Credit reporting or other personal consumer reports

this account was fradulent opened on XX/XX/year> for the amount of {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I purchased a vehicle and was not informed of multiple inquires I was told it would be one inquiry which is what I authroized so this inquiry is not authorized and should not be on or a hinderance to my credit by law
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : Charge Off : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX Inquiry : XXXX XXXX, XXXX ; 2. XXXX Inquiry : XXXX XXXX, XXXX ; 3. XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; 4. XXXX XXXX XXXX Inquiry :  XXXX XXXX, XXXX ; 5. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; 6. XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; 7. XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 8. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 9. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 10. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I did voluntary surrender on the vehicle and was advised that the car would be sold and I would owe the balance due after the sale. Chase Auto reported the full amount was due even though they have the vehicle and auctioning it off. I have not received any updates on the sale price they received from the auction. yet the entire balance was placed on my credit. The car should have been reported as charge off after the sale and any monies they received. I have included documentation sent to the corporate office as well the XXXX showing the balance was $ XXXX-but reported for a higher amount
Product: Credit reporting or other personal consumer reports

I reviewer my consumer reports an noticed tha i had two late payments on an account that i was never late three. The consumer reporting agencies have assumed a vital role and have a reposibility to report consumer information to the best of their ability wiht maximum accuracy.I have never been late on payments for the accouts tha i have included screenshot inside thie complaint in on dates of [ XX/XX/year> ]. Please invetigate and provide proof with statements showing that these payments were late. If proof can't be provider I demand these payments be updated to paind as agreed on time as they should be due to the fact i was never late. Thaks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, i received an alert on my Experian consumer report of a balance increase of {$69.00} totaling my amount owed as {$1300.00}. When I called XXXX and spoke with the credit department, they confirmed that my balance was lower than what was reflected on my consumer report. This inaccuracy caused my credit score to drop by XXXX points. I was also made aware that XXXX reports to the CRAs in the first week of every month. However, my payment isn't due until the XXXX of every month. I submitted a complaint to XXXX ( attached ) which completely negated this issue. Now on this day it is XX/XX/2023 and my balance is being reflected on my EXPERIAN, XXXX AND XXXX reports as {$1200.00}. My balance reflected in my XXXX  account is {$1200.00} with no balance owed and no late fees ( attached ). This is the SECOND time XXXX has communicated information to the 3 CRAs that is inaccurate. I am entitled to either have my information reported ACCURATELY under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ; ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors and ( 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.

ALSO UNDER SECTION : ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

They have a DUTY to correct this information because it is not accurate!
Product: Credit reporting or other personal consumer reports

Last month I sent notice to the XXXX credit reporting agencies revoking their permission to share certain nonpublic information on my reports. To date there are things still reporting without my expressed permission and now in violation of my rights '
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of 2016 XXXX XXXX XXXX reported to the credit bureaus that I had missed four payments which is not true. I made all the payments and XXXX reversed the payments each month and never contacted me to explain WHY! The only way I found out was when XXXX reposessed the vehicle, I have my car payments on Auto pay so there was no reason to Check if the payments were made after receiving a payment confirmation, after making the lump payment of {$1300.00} to XXXX I disputed their claim of non payment for those months to no avail. Please look into this matter for me. Thank you XXXX XXXX
Product: Credit reporting

AS I WAS GETTING A BACKGROUND CHECK FOR NEW EMPLOYMENT I 'VE RECEIVED A COPY OF INCORRECT INFORMATION AS FAR AS ADDRESSES I HAVE NEVER RESIDED AT BASED ON SOMEONE USING MY NAME IT IS ALSO SHOWN ON MY CREDIT REPORT.