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

Recently ive been shopping around in regards to buying a house. I was informed by my potential lender that there was some negative items added to my credit report recently that i have no knowledge in and is COMPLETELY INACCURATE which is damaging to my credit report, and a defamation to my character I sent out letters to all 3 credit reporting agencies on XX/XX/23 regarding this negative account that's reporting they haven't responded back to my complaint nor have they provided me with any verification of this negative account, its been XXXX, and this issue is now a violations of my consumer rights.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items. Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company is reporting inaccurate information on my credit report. I have contacted the local bankruptcy court in my country and they have no records of a bankruptcy in my name. Account number XXXX should have been removed in XXXX Please see supporting documents and remove immediately.
Product: Debt collection

Company : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ) , the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureaus, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$75.00} XXXX  XXXX Balance Owed : {$1400.00}
Product: Credit reporting or other personal consumer reports

I took a look at my credit report and noticed some accounts on there that were not mine. I believe someone has access to my credit information.
Product: Bank account or service

I requested a payoff letter for my loan and was told it would take 5 business days to process my request. I explained that I needed to close on a refinance the next day and would come to the bank to collect the payoff amount in writing. The bank told me that they could not accommodate this. I explained that I would lose my lock on the rate and no fee refi, but it did not matter. They could not help me and would not issue a letter designating the 10 day payoff amount, even if I went to the bank to get it. The bank that is refinancing my loan was highly surprised as they could do this as a same day service and expected that TCF Bank could do this as well. I will need to resubmit my loan and lose the free refinance as well as an excellent rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list if accounts below has violated my federally protected. consumer rights to privacy and confidentiality under 15 USC1681. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I Found Out That This Debt Was Sold To XXXX Different Companies, The Amounts Did Not Match On Credit Reports. I Wrote The Original Creditor To Fix This Problem Which They Never Did. I Disputed This Wrong Information & Was Taking Off My Credit Report. Now Original Creditor Put In A Credit Report That I Owed An Amount That Don't Match At All. I Wrote Then About 5 Times, No Answer From Them.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Hard Inquiries with No Associated Accounts on Experian Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of XXXX hard inquiries that have appeared on my Experian credit report. These inquiries are adversely affecting my credit score and are not linked to any accounts or applications. The details of the inquiries in question are as follows : XXXX. XXXX inquiry dated XXXX XXXX. XXXX XXXX inquiry dated XXXX XXXX. XXXX XXXX inquiry dated XXXX These inquiries are contributing nothing to my credit profile and are only serving to harm my credit score since they stand alone without any accounts connected to them. As such, they should be removed immediately. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. Section 611 of the FCRA provides that consumers can dispute the accuracy of any item in their credit file, and credit reporting agencies are obligated to correct or delete any information found to be inaccurate, incomplete, or unverifiable within a reasonable period. 

Additionally, South Carolina state law, specifically XXXX XXXX XXXX. XXXX et seq., protects consumers against unauthorized use of their personal information. This law mandates that businesses operating in South Carolina must ensure the accuracy and security of consumer information, including credit reports. Since these inquiries are not linked to any accounts, they violate my consumer rights under both federal and state laws by unjustly damaging my credit score. 

I have already attempted to resolve this matter directly with Experian but have not received a satisfactory response. The presence of these unauthorized inquiries continues to cause undue harm to my creditworthiness and financial stability. 

I respectfully request that the Consumer Financial Protection Bureau intervene to ensure : XXXX. A thorough investigation into the origins of these hard inquiries. 
XXXX. Immediate removal of the inquiries from my credit report due to their lack of associated accounts. 
XXXX. Implementation of measures to prevent future unauthorized inquiries and protect my credit information. 

I appreciate your prompt attention to this serious issue and look forward to a swift resolution. Please confirm receipt of this complaint and inform me of any actions taken on my behalf. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report any bankruptcies to anybody ''. So, if that's the case how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 681 according to 15 USC 1681 section 602A. States I have the right to privacy.

According to15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1981 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXXXXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX  XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXXXXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX
Product: Student loan

In XXXX, I began my education at XXXX XXXX University. By spring of XXXX, I was experiencing some family issues that caused me to fall back in all my classes. Due to these personal issues not being resolved by summer of that year, I decided not to attend classes in the fall semester. I never received any refund nor did I attend any classes that fall. So I was under the impression as a young naive student at the time ; that the loans had been closed and I would be dropped from classes before the drop period. I would eventually officially withdraw from XXXX XXXX in spring of XXXX, without attending any classes that whole academic year. I was out of school for a while but eventually defaulted on my loans and refinanced in XXXX. I have been on an income driven payment plan since, up until the pandemic. During the time, I decided to go back to school to finish my courses and attain a XXXX XXXX at University XXXX Maryland XXXX XXXX. Upon receiving my transcript for transfer from XXXX XXXX, I noticed I had all XXXX grades for the fall of XXXX. It confused me because I never attended lectures and had assumed I would be dropped if I was not in attendance for class before drop period ended. This meant I was charged for classes I did not take in the fall of XXXX. This would also equally mean my loan has been maturing on an inaccurate principle. So I disputed this with the credit companies after failed attempts to speak to a XXXX XXXX financial advisor via phone call. I did not receive any reply but noticed after a month or so the loan was now being reported as closed on my credit. I assumed it was sorted out. The interest has grown over the years and the loan amount has now doubled. A few months ago, without notice, the loan reappeared on my credit report. This caused me to be quite confused. I am reporting this incident to see how I can proceed to get the correct documentation proving that I attended college at XXXX XXXX University the fall of XXXX and that the current loan amount is as it should be. Absent this proof, I am requesting that my loan be reviewed for a possible correction so that I am not paying what I do not owe. I am also requesting that the credit agencies provide, if possible their result of my initial investigation that I filed in XXXX, and an explanation of why the debt was removed then added again without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize nor have I authorized the following inquiries : XXXXXXXX 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

After several attempts to verify and validate the debt it was unsuccessful. The information that the account is delinquent is being incorrectly reported and since they havent responded nor validated or verified the debt it needs to be removed from my credit report due to FCRA laws and its adversely affecting my credit and score. I am paying Navient as scheduled for this loan!
Product: Student loan

With the recent notification from the Department of Education regarding XXXX interest pause ( https : XXXX ), I contacted my servicer ( Navient ), about my consolidated XXXX loan XXXX XX/XX/2021. They responded on XX/XX/XXXX with this response : " XXXX, Thank you for contacting us with your inquiry in regards to your student loan interest. I would be happy to help. 
Your XXXX XXXX loan is a federal loan that is owned by Navient and was taken out under the XXXX XXXX XXXX XXXX ( XXXX ) program. 
Only U.S. Department of Education ( ED ) owned student loans are eligible for this program. You have a XXXX XXXX loan which is owned by Navient and is not owned by ED, therefore is not eligible for the 0 % interest waiver provided by ED. This loan will continue to accrue interest at its current rate. 
If you? re having difficulty making payments due to COVID-19, give us a call at XXXX. You may be able to postpone your payments with a disaster forbearance or explore other programs to help lower or postpone your payments. 
If we may be of further assistance, please feel free to contact us at anytime. 
Best Regards, XXXX, XXXX XXXX XXXXXXXX ref : XXXX : ref '' I don't agree with the statement, " Your XXXX XXXX loan is a federal loan that is owned by Navient and was taken out under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX program. XXXX If it was under the XXXX program, how can it be taken out under the XXXX program? That doesn't make any sense and is not correct from what I have read from the government. 
Can someone help? What can be done to Navient? For other borrowers? 
I appreciate your time.
Product: Debt collection

Under 15 USC 1692 ( c ) that law clearly states that, if a consumer notifies a debt collector, that the consumer refuses to pay a debt, that collector must cease all communications with the consumer.
Product: Debt collection

I send letters to all three credit bureaus requesting validation of several accounts including one listed on my report from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. I received paperwork approximately on XXXX/XXXX/XXXX of a contract and payment history and total amount owed. I then checked my credit reports and noticed they had updated information on the collection increasing the amount from {$8200.00} to {$13000.00} and reaged debt stating last payment received XXXX. None of the information reported on my credit file coincides with the paperwork the company sent me. This intentional report of inaccurate information is negatively affecting my ability to get school loans for my child, jobs, purchase a home, and/or reasonable interest rates on credit cards. 
Also XXXX continues to report inaccurately on my credit as late when I actually paid debt off with credit agency that they sold the account to. I have made several requests to remove inaccuracies but they still have yet to do so.
Product: Credit reporting or other personal consumer reports

I sent letters to the credit bureau on XX/XX/year> requesting an investigation into the reporting of erroneous information on my behalf. I have not heard back from them and I have not received the results of their investigation as of today XX/XX/year>. I checked my credit report today and nothing has changed on my credit report. I know they have 30 days to investigate and they have not done that. I am asking that they delete the information from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/XXXX ]. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XX/XX/XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Detailed Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.