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

XXXX XXXX has improperly reported the same home equity line of credit TWICE at the Experian credit bureau. Despite complaints to both the bank and the credit bureau, they have refused to remove at least one of them. Moreover, BOTH entries are reporting delinquencies in XXXX, 2020 despite receiving a COVID-19 deferment.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed my initial complaint against TransUnion for not working with or trying help me put a freeze on my credit. Since the large data breach involving XXXX numbers I have been notified that my social security number has been located on the dark web. 

It is critical that I have the ability to place a freeze on my credit. The other reporting agencies made it simple and easy to place a credit freeze, but TranUnion is making the process near impossible. 

Examples of TransUnion negligence are as follows. I called their XXXX number and waited on hold for over 45 minutes. A reading kept advising that I could hold my place in line and I would receive a call back by providing a call back number, which I did. I never received a call back. Another 2 times I tired using their online chat and that did not yield any positive results. The two individuals I " chatted '' with were beyond useless.
Product: Student loan

I made two extra payments of {$100.00} on XX/XX/18 and XX/XX/18 to my Navient loan ending in XXXX. I did not have any required payments during these two months, and was trying to lower my principal balance.

I have instructed Navient many, many times to apply any extra payments to my principal. Even when

Navient was Sallie Mae, I sent numerous emails and letters instructing them to apply any over payment to principal. Both those payments resulted in being applied to unpaid interest and my balance did not decrease over that two month span. When I have a few extra dollars I ALWAYS use them to pay my student loan balances down. This is not my first complaint about Navient. They have applied my payments incorrectly multiple times and I have complained to them in the past. There have been no changes to their practices. I have had this loan for 10 years now and my current balance is still not below the amount I borrowed, which is absolutely infuriating and unethical.
Product: Bank account or service

There was a line of almost XXXX people and only XXXX XXXX working.
Product: Debt collection

I have recently obtained a copy of my credit report and have noticed the following inaccurate accounts. These incorrect accounts are negatively affecting my credit and causing financial strain. 


Medical Data Systems Inc Under the Fair Debt Collection Practices Act ( 15 USC 1692 ) I am requesting validation of this debt. Please provide complete information on the original creditor, original account number, the date this account was opened, the date this account was opened, the date of the last payment, the amount of original debt, an itemized statement showing the amount of the original debt along with any additional fees or charges, and any form with a formal signature.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT : # XXXX FROM XXXX XXXX XXXXXXXX, # XXXX FROM XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602A. STTAES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604A SECTION 2 : II ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.
Product: Student loan

I am a federal employee who has submitted certification for the loan forgiveness program. I received information when my loan was transferred to XXXX as the servicer in XXXX that I had only made 11 payments. I contacted them to let them know that I had been in repayment since XXXX and worked for the government since XXXX. They told me that it took approximately 12 months for the information to be loaded into the system. I contact XXXX after 12 months and was told that my account had been updated. I submitted another certification in XXXX so that the payments made in since my last certification could be reflected. The number of payments were 27 for one loan and 54 for another loan which was still inaccurate. The money for all my loans were ach debit as one payment so the number of payments should have been the same. Even if the all my loans indicated that 54 payments were made it was still incorrect. I should have 72 payments. I contact XXXX and was told that another request for a review was put in and it should be done byXX/XX/XXXX I was told by XXXX to send bank statements to prove that payments were made and I told them that I should not have to incur a cost to go to my bank to research and obtain bank statements going back to XXXX. I called XXXX again in XXXX and now I am being told that it will take between 12-18 months for the review to be completed. This is unacceptable and keep going on and on with no end in sight. I am entering my 7 year with the government and should not have to get denied when it is time to apply for forgiveness because they can not get there records correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm member of rentreporters.com who report my rent being paid each and ever month to all credit bureaus. Experian, XXXX and XXXX to earn my credit scores from all three of rent being paid. My credit scores hasn't been increasing of my rent being paid each every month. My credit scores should at least be XXXX for me to qualify for home loan. I feel i am being held back from qualify for home loans. Maybe because of my race, color, age, sex, martial status. To qualify for home loans.
Product: Credit reporting or other personal consumer reports

I looked at my credit report I noticed some things that are incomplete and not accurate. i had already told/send letters to all XXXX bureaus about this yet they have not done anything the investigation is completed and still the items remain i feel like a victim of the system now that i am learning about the credit bureaus ways and how they make money off us, so i figured its in they best interest to use my info how every they want to. but i learn according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. to These accounts Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate, According to 15 USC 1681s-2 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: Debt collection

This " company '' Caine and Weiner is trying to collect a XXXX debt for progressive insurance. I have never in a hundred years had an insurance policy that was XXXX dollars. I have tried for years to actually speak to someone at this company but only get voice mail. I have repeatedly asked this company to send me something, anything to show why they think I owe them money and they have never responded. I am at my wits end. I have disputed this and they just play games and say it is legitimate without providing any proof. They literally have not sent me any documents or proof that I owe them money and they absolutely refuse to return my calls. This has been going on for several years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. Recently my husband passed away. Our account at the XXXX XXXX  XXXX XXXX XXXX XXXX was a joint account under my husband 's name. I was trying to open a new checking account under just my name and was told I could not because Experian stated I was a minor. I am XXXX years old, not a minor. I tried multiple times to get a live person from Experian on the phone because none of their automated choices were correct. I finally got to a live person. They told me I had to go to the website and upload documents proving my age and address, including a birth certificate or drivers license, and bills with my address. 

I have tried multiple times. First I was told that for no reason they couldn't process the request and I had to mail in my request. I tried again, next I was told they couldn't accept my documents because they only take PNG or TIFF documents. So my son converted my documents to a TIFF file and we uploaded them again. ( My son  informs me that these are less common file types, there is no reason why a gigantic organization like Experian shouldn't be able to upload a JPEG file like every other website can. ) When we tried to upload the documents again, now it says it can't upload color documents and we must convert the document to black and white. They asked for a picture of my drivers license, which is in color and now are saying they can not upload an accurate photo of a license. At every step Experian has gone out of their way to avoid contact. They make it nearly impossible to get a live person, then they make it impossible to resolve the dispute over the internet. For some reason they seem to only want to do business by mail. This is their mistake, I have had credit since the 1950s, and yet they are claiming I am a minor, yet I am the one being forced to jump through hoops when they should be the ones trying to fix their error. Please advise me on how to fix this.
Product: Credit reporting or other personal consumer reports

I am presenting this complaint to inform you that my credit with your company appears to have been compromised. Despite submitting an FTC report, I have noticed that certain items are not being removed. This is my new attempt to address the issue of misleading credit reporting. I am disputing these items as they do not correspond to any transactions for goods, services, or money that I have conducted or authorized. I request the removal of any incorrect information from my credit file : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/year> ; XXXX XX/XX/year> -- -- -- -- XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00}. The items in question are unfamiliar to me. Moreover, other credit bureaus have already deleted this information, leading me to doubt its accuracy and the reported payment history. Under FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to rescind such items.
Product: Mortgage

LATE FEE 'S Hi, I been having trouble with XXXX XXXX XXXX trying to make me pay late fee 's, almost {$700.00} of fee 's. My loan got transfer from XXXX to SN Servicing Corp in XXXX. XXXX sent out a letter to me in regards to this transfer and included the address of SN Servicing Corp to mail my payments. 
SN Servicing Corp never mail me any type of information at all until XXXX of XXXX stating I was one month behind my mortgage payment. Got records from my bank and showed prove of payment they accused of not paying. They cleared the error. 

Them out of nowhere they say I own almost {$700.00} of late fee 's due to my grace period being the XXXX of every month. They have no records or prove or a signature from me that I agreed to these changes. Before SN Servicing Corp took over, XXXX grace period was the XXXX of every month. Now I found out that when they sell or do a transfer the company taking over the payments are not allow to change any terms or conditions from the mortgage instruments. 

I been taking to XXXX since XXXX of XXXX. I have fax/emailed her information with prove in black and white statements from XXXX stating in fine print payment received after the XXXX will cause a late fee. Not even with that information she is not working with me. 
XXXX has all information I emailed and fax to her.
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 XXXX  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 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 these fraudulent accounts 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, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain 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 these accounts 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, 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 XXXX XXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am disputing an XXXX account on my credit report because the reported information is incorrect. The balance, dates, or account status do not match the correct records. 
I have requested a correction from XXXX and the credit bureaus, but no updates have been made. According to the Fair Credit Reporting Act ( FCRA ), inaccurate information must be corrected or removed. 
I request that the CFPB require XXXX to correct these errors immediately or remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance.

As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C.S 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S. C.1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permIssible purpose to obtain consumer credit file pursuant to 15 U.S.C . $ 1681b ; 4 ) Provide consumer credit file pursuant to 15 U.S.C. 1681g ; Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and ventiable proof, you must remove all unverified. invalid, derogatory information from my consumer disclosure report.

For your convenience, I am attaching you a list of the Items you need to verify them Please correct this by the removal of these items from my consumer report.

Upon completion of your investigation, please send a detailed description of the procedures determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information the agent conducting the said investigation in case further communication is necessary. 

XXXX 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

I dont know if it was my ex husband or a data breach but I recently checked my consumer report to find fraudulent accounts which has lead me to file a FTC report in which I will be attaching here hoping to get some kind of relief. I will be attaching a receipt dated XXXX of my paid California identification paper as well as my voter registration card to help with verification purposes! XXXX XXXX XXXX XXXX, and my first thoughts were how can I pay these things I never signed up for at my age! Did some research to find the FTC and CFPB for watching XXXX videos and was lead to believe submitting this would be a remedy to this problem. I thank you very much. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 -XXXX XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 -XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

OkCoin is refusing to pay out three offers that I have completed with them. For reference, I signed up on XX/XX/XXXX and deposited {$100.00} that was used to buy XXXX XXXX. I received an email with an offer ( XXXX XXXX XXXXXXXX? XXXX & XXXX & XXXX & XXXX -- XXXX & XXXX & XXXX ) that stated that if I funded my account with {$100.00}, I would receive {$10.00} in BTC by XX/XX/XXXX. I messaged their support to confirm that I had satisfied this message and they confirmed it. They have not paid me for completing this offer. 

I received another email for an offer ( XXXX XXXX XXXXXXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX ) that stated that if I signed up for text messages by confirming the text message and then completed a trade by XXXX that I would get {$10.00} in BTC by XX/XX/XXXX. They have not paid me for completing this offer. 

I referred someone to OkCoin and they completed the Level 2 Know Your Customer check and deposited {$100.00} ( as attested to by OkCoin 's tracker ) to get {$10.00} in BTC shortly after. They have not paid me for completing this offer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute a series of unauthorized and disturbing credit inquiries that have devastatingly appeared on my credit reports from XXXX, XXXX, and TransUnion. These inquiries were made by companies I have never heard of and did not give permission to access my private credit information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am absolutely certain I did not apply for any credit products with these companies, nor did I authorize these inquiries in any manner. This appears to be a case of potential fraud or identity theft that is already doing severe damage to my credit score and financial life.

Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b, credit bureaus are prohibited by federal law from providing my private credit report information without a legitimate, authorized purpose stemming from my own application and approval. These unauthorized inquiries violate the FCRA.

Furthermore, 15 U.S.C. 1681i of the FCRA requires that your agency immediately conducts a reasonable investigation into these disputed inquiries and removes any that are found to be inaccurate, incomplete, or unverifiable from my credit file. The existence of these illegitimate inquiries casts doubt on the entirety of my credit report and its accuracy. 

I am extremely distressed over the impacts these unauthorized inquiries are having on my credit standing and the potential identity theft implications. Every day these derogatory inquiries remain on my report is causing irreparable harm. I demand that your agency immediately investigates per the FCRA and removes any inquiries found to be fraudulent or inaccurate without any further delay. 

Please protect my good name and credit standing, which I have worked so hard to maintain responsibly. The urgency of this matter can not be overstated. I am counting on your agency to enforce my rights.