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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I recently filed a complaint about how Navient erroneously put my account delinquent by 3 months, even though my payments were up to date. Since my first complaint was filed, Navient has rectified that issue, and immediately caused another one, that I am fighting to get corrected. Once Navient took the delinquency off my account, they increased my total balance due by about {$50.00} more than what it was after I made my last payment. A couple days have gone by, and they are showing that I now owe {$65.00} dollars more than I did a month ago. I have no late fees or anything like that on my account, yet the interest just keeps racking up every day. I have NEVER had this happen to my account, and Navient is now claiming that every day I am getting charged more and more interest and it does not make any sense. I am now caught in the middle of yet another one of their many schemes. How I am ever supposed to get my loan paid off if they keep tacking on {$65.00} every month?
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately.

a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, has violated all 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: Student loan

Hello, I have been dealing with issues with Edfinancial for well over 2 years now. It was finally sorted out in XXXX of this year after multiple CFPB complaints ( see complaintID XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I was refunded excessive refund checks which were voided and returned via certified mail at the end of XXXX ( please see images confirming receipt of these ). These checks were multiple for XXXX XXXX XXXX XXXX XXXXXXXX I voided and returned the checks in XXXX of XXXX. 

Everything was eventually reflected correctly after this. After Edfinancial changed to their new website in XXXX, my balance had money added to it yet again in error and I filed a CFPB complaint. Edfinancial did not respond until XX/XX/XXXX, a YEAR later. I decided to pay my loan in full in XXXX of XXXX to be done with it and now Edfinancial is claiming that they refunded me XXXX in error and is trying to collect it. I believe this relates back to the refund checks of XXXX each. They DID refund me multiple XXXX checks in error TWO YEARS ago in XXXX which I voided, returned, and they received with proof via certified mail. I was notified TODAY XX/XX/XXXX about thenew XXXX balance which is in an error, and they already added interest on XXXX XXXXXXXX with the balance showing XXXX. I contacted Edfinancial and asked that this be rectified immediately by returning my loan back to paid in full status.

Please see image of my account history with EdFinancial as well. After they changed to a new website in XXXX, my past payment history was no longer included. I requested it from them and it was not received.
Product: Student loan

In XX/XX/2018, I contacted Navient and submitted an application for Public Service Loan Forgiveness. I have been an XXXX  for 20 years and have been paying on my student loans for 15 plus years. I inquired about student loan forgiveness and they told me that I was ineligible. I asked them if there is any way to become eligible and they vehemently replied, " No!. '' I recently graduated in XXXX with my XXXX and have been working with a different loan processing company for my current student loans. They told me that in XX/XX/XXXX, I could have easily consolidated my loans at Navient and then all payments would count towards loan forgiveness. Navient intentionally provided me with misinformation and it will cost me tens of thousands of dollars. I would like to file a formal complaint against them. I have documentation of emails for when I inquired about the student loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been erroneously reporting the account as being 90/60/30 days past due as I was paying the debt down and has verbally refused to change i, t although I get all of my proof from their website. To be clear here is what happened. I opened a short term loan with them, paid them as agreed with a few of the payments being not in full, but at least half. They continue to report to the credit reporting agencies as 90 day deliquent past due, as the balance was being paid down
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Alleged and improperly leveraged my credit with a fraudulent account in the amount of XXXX $ XXXX XXXX On XX/XX/XXXX Alleged and improperly leveraged my credit with a fraudulent account in the amount of XXXX XXXX XXXXAmsterdam collection service Around XX/XX/XXXX Alleged and improperly leveraged my credit with a fraudulent account in the amount of XXXX $ I regret to inform you that these agency 's along with the 3 major credit reporting agencys have improperly leveraged my credit report, and according to the fair credit reporting act, I noticed accounts, inquiries and private information on the report you are furnishing, I also noticed the inaccuracies and can't say they are accurate or legitimate I demand verification of the information on the report as true and correct the f.c.r.a 15 u.s.c-1681 ( e ) ( b ) states your responsibilities and the consumers right and the credit reporting reporting agency ( you ) have to report with maximum accuracy to credit reports also how is it that your reporting income into my report, the above citation in clear language under " exclusions '' says you can't lawfully omit these things.15 use 1681 ( a ) ( 2 ) ( 1 ) of the f.c.r.a says that " transactions '' and/or " experiences '' between the consumer and the person furnishing is not to be included in a consumer report so any transactions or experiences ( late payments ) are not to be parked on my report if you are prohibited from including transactions and/or experiences which in clear clauses ; its illegal therefore i demand you delete all inaccurate and unauthorized items inaccurately parked on my credit, in federal statues 15 usc1666 ( b ) there are procedures that require notices be sent 21 days or less before the due dates, before!! You can validate the debt an lawfully proceed, with proof that you've done diligence like time stamped copies that is a formal cease and desist demanding you stop and reverse the unlawfully ramification bestowed upon me by your actions, and delete these transactions and experiences ( late payments, lines of credit, utilizations an inquiries )
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Student loan

I was enrolled in the SAVE program AND I am in school and therefore in an in-school deferment period. I was sent multiple notices that I needed to pay my loan and then a statement that I was past due on my account. 

I called the servicer multiple times, my school sent in information that I was enrolled, and they did not put me in deferment. 

I have 3 loans under them and one was finally put into deferment, but the other two were not despite my calls. They said I needed to wait some time for the school 's information to register. Months later I received notice that I was past due on a separate loan while another loan was in an in-school deferment. 

My issue has since been resolved. However, I am worried about the life of my loan going forward given this. I am also worried that I'd be reported as being past due with payments to credit agencies when I should not have had a payment due to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, 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, In accordance with the Fair Credit Reporting act XXXX Account # 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 or other personal consumer reports

My name XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XXXX XXXX, XXXX, I received a court document from District Court in MD indicating that I am named as a defendant in a civil case going back to XXXX. The document is in former name that I have not used since XXXX. From the court documents, it showed that this legal office have been sending letters to an address that I have not lived in from XXXX to XXXX under that name and pinned a judgment against me knowing that I would receive the document. I do n't recognize this debts nor have I ever owed any money to XXXX as indicated. This is clearly a tactic used to get the court to issue a judgment in my name for not responding.
Product: Checking or savings account

Chase chose to restrict and close my account. They informed me that my direct deposit couldnt be deposited. They then accepted the deposit and will not allow me access to my paycheck. I need my paycheck to feed my family. I will not get paid again until the end of XXXX.
Product: Credit card

TD bank placed XXXX inquiries on my XXXX credit report. This has caused my credit score to be lowered. They need to do soft inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not view updated credit information online through any means that I currently use. XXXX XXXX gives me an error stating that both TransUnion and XXXX  are unable to provide them with my credit information, it also states that it cant retrieve info from the credit bureau. I have been using XXXX XXXX for two years and haven't had an issue until recently, the last update was XXXX XX/XX/2018. The app says to contact TransUnion or XXXX to resolve the issue. To verify that whether it is a XXXX XXXX issue, I went to XXXX to request my free credit reports and got errors from all three companies. XXXX says for my protection they can not deliver it online, XXXX says a condition exists that prevents them from being able to accept my request, and TransUnion says they can not confirm my identity. I called TransUnion to see if there was an issue with my credit report, like fraud or theft, and all they could do for me is tell me that they see a credit score and will sell it to me for {$9.00}. Even my credit cards that track my score can't get an update. I am very concerned about the status of my credit but can't seem to get an answer from any entity about what is going on.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX Equifax : XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX  The Credit bureaus stated Account Name : XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXXAccount Name : XXXX  XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRYING TO GET MY DISPUTES PROCESSED THROUGH THE CREDIT BUREAUS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  2017    I received an alert this morning from TransUnion and   XXXX   that my complaints against  XXXX   XXXX   XXXX  had been resolved yet it has not.  XXXX   XXXX   XXXX  is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my  credit score a   violations of the FCRA.  XXXX   XXXX   XXXX  reported that I have balance of {$26000.00}. My balance on the attached statement clearly shows a balance of {$26000.00}, the information on my credit report is false information causing my balance to increase and m y credit score to be i mpacted.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX/ XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report.

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case.

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2, and I am requesting that this information be blocked immediately. Enclosed, please find a copy of my Police Report/FTC Identity Theft Report with reference number FTC REPORT XXXX : XXXX, which supports my identity theft claim. 
Under Section 1681c-2 of the FCRA, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four business days. The information listed below is the result of identity theft and must be blocked : 1. XXXX XXXX XXXX o Account Number : XXXX
Product: Credit reporting or other personal consumer reports

There are inaccurate items on my credit report which I have notified you for now many times. I keep being disregarded by both you and these credit reporting agencies which are just causing me unnecessary stress over this. I am going to be sending a copy of this to the cfpb ombudsman as well because this is just beyond negligence at this point.