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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Last year I filled a complaint about a loan Navient is trying to make me pay. Complaint File number XXXX. In the response I received from Navient they reference paperwork attached to the response that is not there. I have no idea what consolidation Navient is taking about. I never signed anything but my deceased ex husband alway ALWAYS signed my name on anything he wanted to. This is fraudulent and I want my name and social security number taken off this loan please. 

I never attended college. I did go to beauty school in 1986. Thats 32 years ago. My small loan was paid off. Any consolidation is from my ex husbands loans from XXXX University. Im not responsible. In my first complaint I attached copies of the judges orderes releaseing me from XXXX XXXX debt. 

Again any signatures with my name were not signed my me but FORGED from my ex-husband.
Product: Debt collection

This debt collector has engaged in abusive, deceptive, and unfair practices prohibited by the FDCPA. They have reported this account, which we never agreed upon nor did I sign any agreement for. A legal contract typically involves the participation of two parties, but I was not involved in any such agreement. 

I solemnly declare, under penalty of perjury ( under the laws of the United States, if this declaration is executed outside of the United States ), that the statements above are true and accurate to the best of my knowledge. Furthermore, I confirm that I am authorized by both FEDERAL and STATE LAW to file this dispute. I am fully aware that making deliberate and false statements or omitting material facts constitutes a FEDERAL CRIMINAL VIOLATION, subject to punishment under 18 U.S.C. 1001. Additionally, such misstatements can also be punishable as perjury under 18 U.S.C. 1621. 

The collections listed in my credit report are not associated with any transactions I have made. I allege that an individual or company, without my authorization, used my personal identifying information to obtain goods, services, or money and was successful in creating certain accounts. demand you to remove this account from all 3 of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report.
Product: Consumer Loan

XXXX 2014 I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX. I was told the vehicle I purchased had only XXXX previous owner and was a clean no accident car. It had a retail value of XXXX. I purchased the vehicle and took a loan with Wells Fargo for {$14000.00} I currently owe ( {$9700.00} ) I went to trade this vehicle in after visiting XXXX XXXX Book to get an approximate value. XXXX XXXX pulled up the XXXX to find that I was the XXXX owner and there had been XXXX record-able accidents and the current trade in value of the car was {$570.00} Wells Fargo never should have issued a loan on this vehicle as at time of purchase it was only valued at {$2500.00} I can not trade this car in, and selling it privately is a night mare. I feel Wells Fargo should " Forgive this debt '' and either allow me to sell it at a much lower price, paying them what I receive or take the car themselves to sell. I currently have Gap Insurance on this vehicle. Its very obvious that Wells Fargo 's Auto Loan Practices are in question.
Product: Debt collection

Westlake settled my auto debt for {$2500.00}. The settlement has been paid.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am using discover credit from past seven months. First couple of months it was all good, however thereafter I started facing some or the other issues like unauthorized debits, deducting the same amount twice etc. XX/XX/2016 I really had a horrible experience with them. I activated an auto pay option that on XXXX of every month the amount should get deducted from my checking account. XX/XX/2016, instead of XX/XX/XXXX they deducted it on XXXX XXXX 2016 because of which it got returned as funds were not sufficient. When I called the customer care they confirmed that it was purely technical error and they will represent it as per auto pay date. Surprisingly they represented it again on XXXX XXXX however I had funds so the transaction was completed. 

Now comes the bigger shock for me, as they deducted USD XXXX without informing me from account on XXXX XXXX 2016. When I called the customer care, they tell me that they had sent a cheque of the same amount to me. I did not receive any cheque till date. I never understood as to why a cheque is sent when I have n't asked for it. I had to ask them to reverse it as I was managing my credit score well and this heavy outstanding will hit it badly. They out rightly said they will not do it. I had to speak to one of the supervisor about this and she said she will raise a case but it may take 3 to 5 days. When I tried to confirm the date, she says it may happen and so please keep checking your account and inform us.. So by end of the month my statement will show higher outstanding for the amount that I have not used, impacting on my credit score. Above all creating mental torture for me and increasing my XXXX XXXX. 
The service is pathetic and every month they debit more for the reasons best known to them. DISCOVER CREDIT CARD service is worst and they are good for cheating people. Never ever go for this card as they debit without informing and if you miss the transaction, your money is gone. I faced such cases in a very short span of time. I can share more like this.
Product: Debt collection

They represented XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX while I was a first-year student at XXXX XXXX XXXX XXXX The apartment promised all students who were, like me, applying at the time believing that you could sublet apartments through their help. They 'promised ' that they would help with the sublet process " until a substitute tenant is found for you ''. I asked for their help for 3 months before my departure and they did not find any substitute tenants, because the apartment management is absolutely horrible. 

It is common for students to transfer out from that campus in the middle of the lease, and knew it up front, yet 'sweet talk ' while obscuring information about the sublet process and convince most of us to stay with them. 

Not only that, after I departed, they sent debt collectors who threatened legal action when I failed to provide the rent because I already moved out, which caused emotional trauma. I could find other students who can support my statement. 

Anyone who demands primary evidence against such establishment can find numerous people who left comlaints on XXXX Review/XXXX  Reviews. If they decide to not settle for a resolution, all of us can stand and make sure they answer to their practices, at least to those in the recent past.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts on my credit report that are not mine they do not belong to me i have not applied for this and nor am i going to pay for someone elses accounts. I have sent out multiple disputes with no avail I need this taken care of asap please. I dont know who else to reach out to since I cant get a hold of the three bureaus or get straight answers, XXXX - Acct # XXXX Amt {$9500.00} XX/XX/XXXX - Acct # XXXX Amt {$5500.00} XX/XX/XXXX- Acct # XXXX XXXX {$5800.00} XXXX - XXXXAmt {$0.00} XXXX - XXXX {$0.00} XXXX - XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance XXXX {$8800.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the accounts that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ive written a letter previously to new American funding and they have yet to resolve the issue. The bureau is reporting a late payment on XX/XX/2019. I have never paid my mortgage 30 days late. My husband at the time tested positive for XXXX XXXX. I called them to tell them that he had been laid off and we made arrangements. The phone rep assured me that there would be no late payment because of the arrangement. The following month I seen a late payment report on my credit report. This one late payment is hurting my credit score. Id like it removed, please. I want to refinance my home, but this late report is hindering the process. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. XXXX XXXX is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
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.

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

Please accept this as a formal complaint against Experian Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : this account is scheduled to continue on record until XX/XX/XXXX - comments : transferred to another lender ' is erroneous because the house that I owned was short sold back in XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XXXX, approximately XXXX month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible.
Product: Checking or savings account

I received two targeted promotion emails from Citibank regarding their " Cash Back Booster and Additional Cash Bonus '' offer. This offer required opening a new consumer checking account and depositing a minimum of {$15000.00}. After maintaining a {$15000.00} minimum balance for 60 consecutive days, the offer specifies that a {$400.00} cash bonus would be deposited within 90 consecutive days since the requirements have been met. 

I have met the requirements on XX/XX/XXXX and I have not received the {$400.00} bonus as of XX/XX/XXXX. I called Citibank and they said that there is no promotion enrollment attached to my account. I still have an email confirming my enrollment in the offer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX {$10000.00} reported as correct. No investigation XXXX financial XX/XX/XXXX {$1100.00} Reported as correct XXXX funding XXXX accounts {$650.00}, {$420.00} Reported as correct XXXX XXXX {$18000.00} XXXX federal. Reporting negative with no balance and shows current XXXX bank XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Bank of America was sharing my personal information on a platform non affiliated third party company early warning service without my knowledge or consent upon research I learned I have shares in this company as well that I never received payment for. I took proper measures and revoked fiduciary duties based on the simple fact that in the company report how it pay its shareholders and havent made good on it. So ima taking full control over my security interest with this company
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, 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. These accounts [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ], [ XXXX  XXXX ], [ XXXX XXXX ], are not complete and accurate. 
[ XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
[ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
[ XXXX XXXX ] open date is not reporting correctly, date last active, balance is not correct, date of last payment is not correct, this account is not accurate.
Product: Credit reporting or other personal consumer reports

I request additional verification and update with the correct amount that I owe on my student loan amount that is illegally reporting to my credit report incorrectly, only response I received was it been verified. Unfortunately, it has not been verified correctly by your data furnisher, as you are reporting incorrect amounts on my credit report. My student loan balance as of today XX/XX/year> is {$41000.00} and you are reporting my balance as {$51000.00} and {$51000.00}. You are incorrectly reporting {$9600.00} more than what I owe. I have attached my loan summary from XXXX which is my student loan furnisher. I demand that you do your job and update my account correctly and be actually diligent about updating my information correctly.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns and frustration regarding the unsuccessful attempts to rectify fraudulent items on my credit report. Despite my multiple efforts to dispute and correct this information, it persists on my credit file, causing significant harm to my financial reputation. 

I have attached copies of my credit reports highlighting the specific fraudulent items, along with supporting documentation that clearly demonstrates the illegitimate nature of these entries. 

Second dispute filed, providing additional evidence and supporting documentation. 
Third dispute submitted, accompanied by a detailed letter explaining the fraudulent nature of the items. 
Follow-up communication to check the status of the disputes and request resolution. 
Despite these diligent efforts, the fraudulent items persist on my credit report, impacting my creditworthiness and causing undue stress. I am aware of the seriousness of identity theft and the potential consequences for both consumers and creditors. 

I kindly request that you conduct a thorough and expedited investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a written response within 30 days of receiving this complaint, outlining the steps taken to address and resolve the situation. 

If my concerns are not adequately addressed within the specified timeframe, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I consolidated debt with a loan, I closed my car loan and united it in this bank. Thing is by the time of COVID I read there were a 3 month " break '' and I was happy because I lost my job as many of us did with the COVID time. Point is, when the 3 months passed instead of moving those payments to the end ( adding payment months ) I was charged the whole amount. I tried to get into an agreement because of the situation and the bank closed the account, I was sent to court last year and got to an agreement with the bank. Recently I asked for my credit scores and I saw that this account is reported delinquent as if I hadn't got an agreement, I'm doing a reinstalment plan that was agreed with me, my lawyer and the bank and I wish that this doesn't appear as delinquent when this agreement already happened a year ago and I'm in good standing. I talked to lawyer about this which tried to contact the bank, apparently bank said I needed to fix a complaint and that they couldn't do much. At the end of the day this affects my score and my credit history was excellent ( usually my wrongdoings are related to stuff that is out of my control like hurricane XXXX and COVID ) but I've been really responsible and wish to get this fixed.