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

On XX/XX/2020 I sent mail to all three bureaus to dispute some accounts that are inaccurate and erroneous and unknown and yet they still remain on my credit reports. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Hello, I am writing concerned and distressed that someone has used my identity to obtain a card from XXXX XXXX in XXXX XXXX which is a old business name. The problem with this ccount is I was XXXX and I have proof of my XXXX. I have disputed this account multiple times and it leaves me no choice. My XXXX is so intense that I was not allowed during that time to use my credit at all and was being XXXX XXXX XXXX XXXX. I am asking for Arbitration as my attorney will represent me but I am seeking damages after my XXXX is proving I am seeking my attorney fee 's of {$4000.00} and {$2000.00} for my distress for having to deal with somethiing that I did not do. I also have my old XXXX XXXX  as a witness to prove this was not me. I have froze my credit and filed a report with identity theft.gov.As large as XXXX XXXX is they should have some type protection for consumers to prevent this from happening. I am requesting a response asap. I have already paid the retainer for my Attorney and can forward it over if needed. Please correct this issue urgently. 





{$2400.00} is the balance
Product: Student loan

I've asked the FSA to reflect the correct amount owed on my consolidated student loans. Their site currently reflects a doubling of the amount owed because even thought I consolidated my loans, FSA nor my current servicer Mohela refuse to do anything about it. Mohela reflects the correct amount and was told by the FSA that they are the ones that are to tell the FSA the amount due. I'm getting no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

Look at these reports that I have attached to this complaint. I tried contacting these creditors but I did n't get no response at all and I 'm really tired of it. This is my last and final attempt to get this resolved. It is wrong to place information on someone 's credit without their consent and that is a major violation of the law. Companies who are to place them on the credit file is just as guilty. I know the law well and I know that credit bureaus get paid major money to place inquiries on consumers credit so you credit bureaus are willing to anything for money and do n't care about the consumer at all. When I file this lawsuit against all three bureaus I wo n't have a care in my heart as well. 


XXXX : XXXX : Experian : To : XXXX, XXXX, & Experian. 
FYI FOR YOUR INFORMATION, I 've contacted the creditor personally by reaching out to them about this matter & I have n't gotten a response through mail, phone. I do n't recognize any of the inquiries on my credit file. I am sick and tired of you Credit Bureau sending me bogus computer generated investigations. This is the final attempt to resolve this matter with both you and the creditor. I will seek legal actions immediately this week. I am contacting The FTC along, XXXX, and filing a law suit against XXXX, XXXX, Experian.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute Incorrect Payment History Dear XXXX, I am writing to request a goodwill adjustment for a late payment that is on my account. Upon reviewing my report, I noticed discrepancies regarding my payment history for the following accounts : [ XXXX XXXX Account Ending in XXXX The payment history indicates a missed payment for XXXX, XXXX, XXXX which is incorrect. I always make my payments on time and make efforts to fulfill my financial responsibilities. I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on an account as late of any purpose.

I am asking that these late payments be updated to current. Thank you.
Product: Debt collection

ABOUT A YEAR AGO I FILED A COMPLAINT WITH YOUR AGENCY CONCERNING ACTIVATE FINANCIAL SENDING DEBT COLLECTION LETTERS TO MY HOME FOR ANOTHER PERSON WITH THE SAME NAME. AFTER THE COMPLAINT I RECEIVED A LETTER FROM ACTIVATE APPOLOGISING AND PROMISING TO FIX THE PROBLEM. AFTER A COUPLE MONTH THE LETTERS STOPPED, UNTIL NOW. I RECEIVED A LETTER DATED XX/XX/2020 WITH THE SAME DEMAND AS BEFORE. I AM CONCERNED THAT THIS IS AFFECTING MY CREDIT REPORT. I WANT THEM TO STOP PERMANENTLY. I WANT THEM FINED. THERE HAS BEEN NO OTHER XXXX XXXX LIVING AT MY ADDRESS SINCE THE DAY THE HOUSE WAS BUILT.
Product: Credit reporting or other personal consumer reports

Child Support -Child support is civil and there is no contract amount stated is not proof. I don't owe possibly someone with a similar name please delete off my credit report
Product: Credit card or prepaid card

On XXXX XXXX I inadvertently sent {$100.00} to an incorrect person. I immediately notified Capital One bank of my error. I was told until the transaction posted, there was nothing they could do. The rep then told me I would be getting a letter in the mail within 7-10 days and to fill it out and return it immediately. It is now XX/XX/XXXX and I am still waiting for said letter. I received a generic letter on XX/XX/XXXX stating that the merchant provided no cancelation of transaction. As stated I tried via Capital One to do so but they failed to provide the service. I tried to contact the merchant/person and I got a response in XXXX. Needless to say I have no idea what it said. How Capital One contacted the merchant/person and got a coherent response in XXXX is far fetched at best. I received NO SERVICES OR PRODUCTS from said merchant/person. Upon contacting Capital One, they could not provide me with an answer as to how they came to their generic conclusion.
Product: Mortgage

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Saxon has committed numerous violations pursuant to federal law against me ; below are some of the violations such as 15 USC 1605 : I am being charged an APR, home insurance, I was charged a down payment and had to pay taxes and fees all which should have been included in the finance charge. I was not advised of my right to rescind- 15 USC 1635. They have committed four counts of 18 USC 1028A. 15 USC 1692e they have presented false statements, forms and contracts in an attempt to collect an alleged debt. They have violated 12 USC 1831n ( a ) ( 2 ) ( A ). They have continuously violated 18 USC 1341 by sending statements every month stating that I owe for an alleged debt. Saxon has attempted to make me believe that they loan me credit which they are not able to do and according to 12 USC 1431 they are in fact the borrower not me as they have not loaned me anything also the alleged debt is not my obligation according to 18 USC 8. 15 USC 1602g informs me that I am the original creditor not Saxon. The alleged debt has been furnished on my credit report which is a violation of 15 USC 1692b ( 2 ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts that are still appearing on my Experian credit report, despite being past their expiration date : XXXX XXXX XXXX XXXX XXXX : This account should have been removed from my credit report in XX/XX/year>. 
XXXX XXXX XXXX XXXXXXXX : This account should have been removed from my credit report in XX/XX/year>. 
XXXX XXXX XXXX XXXXXXXX : This account should have been removed from my credit report in XX/XX/year>. 
XXXX XXXX XXXX XXXXXXXX : This account should have been removed from my credit report in XX/XX/year>. 
I have reviewed Experian 's guidelines and it clearly states that these accounts should no longer be included in my credit report. I request that you investigate this matter and take the necessary steps to have these accounts removed from my credit report. 

Thank you for your time and attention to this matter.
Product: Bank account or service

XX/XX/XXXX I went to my local branch of the Bank of America to cash in some cashiers checks we had been holding onto. It was {$14000.00}. I am XXXX and my wife is XXXX and that money is all we had, our life savings. I am a XXXX Veteran XXXX and my wife is also XXXX. 
As we went to cash them the bank said to us that they had to hold them for a few minutes while they called someone. We were told to go home as they had n't received the call back from their superiors. The next day we still had heard nothing from them. We went to the bank again the next morning. The manager, XXXX XXXX, continued to tell us he had to speak to someone to ok our transaction, and that everything was ok .... we just had to wait. On XX/XX/2016 he called us and told us our money had gone to the state. He said he had to send it address unknown because they did n't have our address. We 've been banking there for 14 years! 
I called the California State Controller. It is a law that we are to receive a 30 day notice before the bank can take our property. We did not receive 30 day notice from the bank. 
That is my issue. We did not receive proper notice from the Bank of America on XXXX XXXX XXXX XXXX, XXXX, CA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing accuracy of the accounts with the collection agency 's for one whole year now, I ask why they are inaccurately reporting this charged off a account with a monthly balance for the past couple of years, this is a violation per the FCRA section 623 section 5. Furnishers must only notify the credit reporting agencies the date, month and year when the account was marked as a charge off. Additionally I keep asking them to validate the alleged debt. They just keep on sending itemization of charges which is not debt validation. I ask them for proof of the initial contract and or my wet signature. they have failed several times. The is affecting my credit worthiness and i demand this to be removed from my credit report immediately.
Product: Mortgage

I am XXXX after suffering a XXXX  XXXX. I have difficulty with XXXX  communication and Shellpoint mortgage first completely refused to communicate in email/writing with me. " it takes too long to type answers ' was the response. I believe this is a violation of ADA laws? 1 ) they did not notify me that my forbearance period ended in XXXX. 2 ) their website still shows I am in forbearance and will not accept payment or partial payment ( I have recorded all of this ) 3 ) continued emails and communication on their site was completely unanswered over the months since covid hit and they reported me as late to credit bureaus when I was in forbearance 3 ) the representative assigned to me now Mr. XXXX is completely dismissive of my medical condition and literally sent me an email 'good news, your request for forbearance extension is denied '. How nice of them. I had provided no information so how do they deny this? 4 ) they were to allow me to put the missed payments at the end of the mortgage and now they say they can not do that and I owe over {$6000.00} to bring it current and avoid foreclosure. My ex husband still appears on the mortgage in spite of his part being dismissed in his bankruptcy and shellpoint will not remove him in spite of a legal obligation to do so. 

I have had this mortgage since 1997 and have endured much hardship but have restored my credit and now face this. It is unconscionable to me that they won't ' even allow me to make payments online and all but insist I talked via phone in spite of my XXXX to do so. They are requiring I mail a check ( which I don't have as all my payments are always online ) or send a XXXX ( which I don't feel is secure and have seen money disappear for 90 days in that system ). Seems I'm not the only one as I see they are at the top of the complaint list every month. This company should not be in the mortgage business.
Product: Debt collection

FCO will not remove an apartment rental from my credit report although provided correspondence from the prior leasing office. Also FCO failed to provide copies of actual correspondence from XXXX XXXX XXXX indicating that I do actually owe this debt. FCO only sends an expired and voided lease from XXXX and a ledger even though the email from the leasing office indicates my balance is {$0.00}. Also contacted XXXX XXXX, they confirmed they have sold the property, have sold off debt and no longer the owner of any accounts from XXXX and the past. When I have informed FCO they have ignored the request and updates the collection account as " new '' on my credit report. Due to their actions, my credit has been compromised and led to declination of credit lending.
Product: Student loan

They raised my payments by over {$200.00} a month, reached out to see about lowering the payment and did a few forbearance and when they raised it again, they place me a program that made me go past due which ruined my credit. That was not explained properly and did not know it would affect me in that manner. Now they are raising my interest rate again due to the economy according to them.
Product: Student loan

I 'm being misled by my student loan servicer. They 're named Nelnet. Here 's how Nelnet misleads people : 1. You make payments online - in my case I 've made four payments online over the past three months.

2. You get an email confirming your payment - The emails literally say " Thank you for your payment. '' They show the payment amount, payment date, even the routing number and account number. I got these confirmations every time. All information listed was correct in each case. I know because I checked with my bank and with Nelnet. 

3. This confirmation email is meaningless and misleading because you get them even if your payment is n't processed - For reasons neither Nelnet or my bank could explain, none of the payments were processed. 

4. No follow-up email is sent to alert borrowers that their payment was not successfully processed - again, incredibly concerning and misleading. 

5. Meanwhile, interest on your loan keeps piling up even though you think you 're paying off your loan - Nelnet benefits at the figurative and literal expense of borrowers like me trying to do the right thing. 

6. When I realized what was happening, I immediately made Nelnet aware. I asked for the interest to be waived. Nelnet refused saying that it was " impossible. '' To recap : I paid my student loan payments to Nelnet online. They sent me confirmation emails that said " Thank you for your payment. '' Yet they never received such payments. And they never told me that my payments had not been processed. Meanwhile, interest accrued.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by EXPERIAN. 
Despite my previous correspondence ( Letter XXXX XXXX ] and XXXX XXXX dated ( XX/XX/year> AN XX/XX/year> ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, EXPERIAN has not conducted XXXX proper investigation nor provided the required documentation.

Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : [ EXPERIAN ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : 4. Creditor Name : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX below the inaccurate information persistently affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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