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

I sent a letter to each of the three Bureaus requesting validation for the bankruptcy that is on my credit report as public records. What I received was a letter stating that they verified the information with the courts. As I contact the court system they verified that they do not have contact with the credit bureaus and have not verified anything. I have attached the letter. 
As I sent that letter toXXXX, XXXX and Experian they all sent me a letter back still confirming the information just updating it. I want this bankruptcy removed off my credit reports.
Product: Credit reporting or other personal consumer reports

I took out a vacation loan with XXXX for a few trips home and what not. I ALWAYS PAID ON TIME DESPITE BEING UNEMPLOYED, EVICTED AND WITHOUT A VEHICLE!!! I HAVE BEEN LIVING ON THE STREETS FOR ALMOST TWO YEARS SOMETIMES MOTELS WITH VOUCHERS, VACANT PROPERTIES, SHELTERS OR IN PUBLIC PLACES. I HAVE NOT BEEN ABLE TO GET HOUSING, A JOB WITH A DECENT SALARY NOR A CAR BECAUSE THIS, EVERYTHING IS WAITLISTED IN TERMS OF PUBLIC ASSISTANCE, ETC. I WAS TOLD THAT I NEEDED MORE HELP THAN ANY ASSISTANCE PROGRAM IS QUALIFIED FOR DUE TO SEVERE NATURE OF MY SITUATION!!!! I AM ASKING KINDLY FOR YOU ALL TO REMOVE ALL NEGATIVE INFORMATION OFF MY CREDIT REPORT AND/OR PAY {$100000.00} IMMEDIATELY!!!! IF YOU ALL DO NOT YOU ALL WILL AN ADDITIONAL {$100000.00} IN LEGAL FEES IMMEDIATELY!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX CARD  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX CARD  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Between XXXX XXXX and XX/XX/XXXX, I had XXXX late payments on my car loan. This was due to XXXX, although I communicated this to my lender, XXXX XXXX, and begged them to stop reporting late payments, they continued to do so. I paid the loan off XX/XX/XXXX, during COVID as they repossessed my car, even though I still had a deferment to use, they refused me the right to use. At the time, I had paid close to {$3000.00} and was only owing {$2500.00} to pay off the car. Their reps and management were rude, unprofessional and were adamant on no flexibility, resulting in an influx of car repossessions in my area, they sent their repo men out and they were taking cars, while in the pandemic, from people as they were going to the grocery store, picking up kids from school, grabbing food, etc as they were targeting the area and the consumers who were hit hardest, in lower income areas. XXXX XXXX  XXXX department was set to shutter and they instructed them to be relentless against consumers as their days were coming to an end. This is why they refused to comply with any of the laws/directions that was issued to the industry. Since then, I have repeatedly disputed, via XXXX and Experian, using the guidance provided by the CFPB regarding late payments not being reported during the pandemic, however, both of these entities has failed to properly investigate disputes, allowing these late payments to remain on my credit. Even since the CFPB has sued them both, for this very reason. As recent as today, I disputed with Experian and same day, it returned, accurate and will not be removed. Currently, I have several complaints in place with you, against Experian for this exact issue. They still remain to disregard your Compliance regulations, and negatively impact consumers credit with their low level approach to thoroughly investigating disputes. These multiple agregious offenses are terribly impacting consumers and with these multiple examples being provided, daily, it appears that they will continue to proceed, disregarding your guidance. XXXX XXXX  XXXX XXXX department is now shut down ( very shady ) so it's highly unlikely that they were able to investigate XXXX payments within hours, they just clicked the button and as usual, Experian went along with it, and proceeded doing the same. This is what I call " duplication without resolution ''. This vicious cycle is detrimental and allows these mega companies to go unchecked, while the consumer suffer significant loses. This most likely is something that has impacted millions. Please research, in depth, and remove these late pays from this paid off account so that I can have the opportunities of fair credit. See docs attached to support.
Product: Debt collection

Tis account was charged off on XXXX2024yet still show balance on my cc report. The cardholder choose to charge off thethe debt, but the sent it to collection breaking the fair debt collection act. When the choose to charge the debt off, I should have received a IRS form 1099. In which they did not do. They sold it to a collection agency. I not liable for this debt.
Product: Mortgage

We have been requesting the removal of PMI since our mortgage reached 80 % of the original value of our Mortgage. When we began requesting the removal of PMI Weichert sent us a package explaining the options for which PMI was to be removed. We followed the instructions and ordered an appraisal of our home, through Weichert. The appraisal came back and they still denied the removal of PMI. At 78 % of the original mortgage Weichert did not automatically remove our pmi pursuant to the package they originally sent to us. In XX/XX/XXXX which is the date our original amortization table shows we would be at 78 % for automatic removal and they did not remove it and we requested removal again. This time we received a letter dated XX/XX/XXXX requesting we pay additional principal payment of {$540.00} to bring the principle to 70 % of the original loan and pay for an appraisal through Weichert to have PMI considered for cancellation. This is a direct contradiction to the previously received packet that states : " First Mortgages secured by 1 family principal residences / 2nd homes Earlier of [ 1 ]  the date that the mortgage balance is first scheduled to reach 78 % of the orginal value of the property ( lower of purchase price or appraised value ) or ( 2 ) the first day of the month after the date that is the mid-point of the mortgage amortization period. '' I tried to contact Weichert direct by phone on the provided letters on  XX/XX/XXXX and spoke a customer service representative named XXXX. I informed her the letter I received contradicted what we received previously and would like to speak with someone in PMI department. She said a letter date XX/XX/XXXX stating that our PMI was being terminated, I confirmed with her that was the case. I inquired about a refund for PMI payments made after automatic termination was supposed to take place and she said everything will be explained in the letter. On XX/XX/XXXX I received my mortgage statement for XXXX and I was surprised to see a charge for PMI. I did not call Weichert yet as XXXX stated a PMI termination letter was sent on XX/XX/XXXX. Today XX/XX/XXXX I received a letter dated XX/XX/XXXX stating to qualify for PMI cancellation at this time I may either pay XXXX to bring down my principal to 70 % of my original value and order an appraisal through Weichert. Weichert has violated the Homeowner 's Protection Act and I have done as much due diligence to have them comply. I have never missed a payment and there are no payments in arrears.
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 Acct name : Department Of EducationXXXX Acct XXXX XXXX Acct name : XXXX XXXX XXXX XXXX Account XXXX XXXX Acct name : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Product: Credit reporting or other personal consumer reports

You are in direct violation of the fair credit reporting act ( Account name & number # ) has violated my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Experian about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

I do not recognize this credit inquiries and I have asked for them to be removed from Equifax and they did not do as I asked. I also attached the identity theft report. I'm requesting them to be removed because they are inaccurate. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

the refer the debt to another agency and close case, the information results in a increase of debt and worsening deformation on my credit report of the amount reporting owed. The original debt reported had no interest and should report the correct and true debt owed not a made up number when the consumer debt is sold or referred to another creditor agency. A Scanned copy of a individual ( initials XXXX. ) named on a cashiers check and provided a police report # XXXX case # XXXX XXXX XXXX XXXX Police Dept ( copy attached ) and Informed the Original creditor that the debt was done by not intention but I ( Claimant S.E ) was a VICTIM of fraud the named individual ( Initials XXXX. ) was never prosecuted for the issuance of the cashier check # XXXX. I attempted to seek restitution and trying to arrange a payment to the original creditor or collection agency. the Creditor continued to harass me when I attempted to validate the ACCURACY OF AMOUNT of debt owed they the agency retaliated ( in numerous deformation attempts ) by increasing the amount of original debt by adding over 120 % Interest to a none-interest account, deformation of my good credit rating and continued to report though multiply creditor on my credit report two different amount owned that are not the true amount what was reported on my credit bureau. 
Systematic National Co XXXX Account # XXXX and XXXX XXXX XXXX XXXX reporting {$2300.00} Account # XXXX.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

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

Bankruptcy Courts DO NOT report to Consumer Reporting Agencies because they know its not legal. XXXX XXXX and other secondary bureaus fishes for information and they sell it the larger consumer agencies like a Experian, XXXX, and XXXX. The Consumer Reporting agencies claim that they investigated and it came back verified. Who did they speak to, to verify this? They didnt speak with me. Did they speak to a competent witness or the court house clerk? It is illegal for the Consumer reporting agencies to access public records and furnish to my consumer report. This is a violation pursuant to 15 USC 1681 and my consumer rights to privacy pursuant 15 USC 1681 ( a ) ( 4 ). Another violation pursuant of 15 USC 6802 ( b ) ( 1 ) a financial institution may not disclose nonpublic information to a nonaffiliated third party. and violating 15 USC ( b ) ( 1 ) ( c ). Anything between me and another party comes into play its not public information and its illegal and I have to give my consent to share my non public personal information. The courts stated in the letter that they dont provide or report any information to 3rd parties consumer agencies. Also I never gave written instruction to furnish this account on my consumer report pursuant to Pursuant to 15 USC 1681 ( a ) ( 2 ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I sent numerous a letters and time to seek justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is this account on my XXXX, XXXX and XXXX credit files that I do not recognize, the account is showing with a status open but the problem is that I never had an account with this company called XXXX XXXX XXXX, there is no phone number being reported and it is also showing different open dates. XXXX  says that the account was opened on XX/XX/2014, XXXX  says that the account was opened in XX/XX/2014 and XXXX  says that the account was opened in XX/XX/2014, I have disputed this account with XXXX, XXXX and XXXX  and for some reason they tell me that the account was verified as accurate. XXXX  is reporting this account as open, I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want XXXX XXXX XXXX to provide me with the original contract that has my signature on it or for the account to be deleted from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Experian a dispute request on XX/XX/XXXXbecause  they are reporting incorrect names, addresses and a Social Security Number variation that does not belong to me. I even filed a complaint with the BBB and they still refused to correct the information. I was informed by an attorney friend of mine to contact the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit reporting agency is reporting on my credit report an account that was closed on XXXX XXXX 2009. There is a statue of limitiations of 7 years and it should be deleted off my report. The account they are reporting is " XXXX XXXX XXXX credit card ''. This account should be deleted off my report since it 's been 8 years since the account was closed. I tried to contact transunion and they kept discussing my current XXXX XXXX accounts ( I have 2 seperate accounts that are in excellent standing and open accounts ). I explained I am not speaking about my current accounts I am talking about the one that is 8 years old. I was told it would be deleted. Upon checking my credit report today I noticed that this account is still reporting. This information is outdated and should be deleted.
Product: Mortgage

SPS assumed my 2nd mortgage effective XX/XX/XXXX. We submitted a subordination request in conjunction with a refinance of our primary mortgage loan & rec 'd confirmation of the request from SPS dated XX/XX/XXXX. On XX/XX/XXXX, we were informed that they couldn't complete the subordination agreement b/c they were not listed on the deed/title as the 2nd lienholder. For more than 6 months, we called and waited for them to get the matter resolved. In XX/XX/XXXX, we were informed that the subordination was approved. On XX/XX/XXXX, SPS finally mailed the signed subordination agreement. However, they added a clause that the refi couldn't exceed a certain amount, which was lower than the refi. So, we had to go back to them yet again to get the subordination agreement revised and re-signed. It is now XX/XX/XXXX and we still have not received the correct and executed subordination agreement. This has been going on for 9 months and has cost of countless hours and thousands of dollars in interest paying on our first mortgage with an 8 % interest rate b/c we haven't been able to close on the refinance at a 4 % rate while waiting on SPS. We also have had two appraisals expire during that time and have had to order and pay for two new ones.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my credit report updated and the harrassment from collectors to stop. 
I got free legal help from my community action center ... filed bankruptcy chapter XXXX. I'm XXXX on Social Security and tired of being bullied. I called all 3 credit bureaus, and each of them have the rudest, clueless representatives. 
My discharge date was XX/XX/2018 and I was informed by the court that I would no longer be harrassed and my creditors would have no recourse, credit report updated. Etc
Product: Debt collection

In XXXX of XXXX, I placed a FOIA request for specific information concerning student loans that was sent to the Dept of Education. The Dept of Education failed to provide all the information requested at that time so I placed a 2nd FOIA request in XX/XX/XXXX and outlined information I would like to be provided concerning student loan debt along with additional information. 

Included in my request were items as listed 1. Offer 2. Acceptance 3. Consideration 4. Mutuality of Obligation 5. Competence and Capacity 6. Written Instrument I also requested from The Dept of Education servicer information 1. Assignment information 2. Terms and conditions 3. Borrower Acknowledgment Which is Federal laws and State laws for my state of TN. 

I also requested I be provided any securitization information ( SLABS ; Hedge Funds etc ... ) Additional request : Original paperwork Chain of title Assignments ( Please see email attachments ). 

I requested all the information provided notarized by of individuals who can testify under oath and utilized in a court of law. 

As of todays date, XX/XX/XXXX, I have not received any of the requested information. Fedloans, who has only stated they are servicing the loans, without the requested paperwork from ( Dept of Education ) or anything provided by Fedloans, or following Federal or State law requirements and in violation of TCPA ( Tenn Consumer Protection Act ). 

I applied for a Deferred/Forbearance of any loans Fedloans stated they have in their records.in XX/XX/XXXX. They took those loans out of deferrment/Forebearance the next month XX/XX/XXXX and have been trying to collecting over {$100000.00}. 

Licenses are also required to come into the State of TN. 

Please review : No. 19-2116 IN THE UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT Commonwealth of Pennsylvania, Plaintiff-Appellee, v. 
Navient Corp., and Navient Solutions LLC, Defendants-Appellants. 
On Appeal from the United States District Court Court for the Middle District of Pennsylvania Hon. XXXX XXXX XXXX Case No. 3:17-cv-01814-RDM
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and notice that i have some hard inquiries that i did not authorize. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX