23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I was involved in a car accident XX/XX/XXXX and have been unable to make the payments on my car for the last two months, due to not having a means of transportation. I was released from my XXXX XXXX  last Tuesday and was involved in another car accident Thursday XX/XX/XXXX, to no fault of my own again. The other parties insurance company has already claimed liability for the vehicle, yet representatives in your XXXX XXXX offices are threatening my credit score of another negative hit of XXXXpoints if I don't make a payment on the car note. XXXX XXXX XXXX my car was repoed and my credit was impacted XXXXpoints. I had previously agreed with representatives that I would receive my direct deposit after the holidays and my car was still taken. I paid enormous fees, my vehicle was also damaged by your Repo company and they assumed zero liability for the damages, and I paid two months of past due notes. I was informed today that when my car is paid off that my credit score will not increase, but if I can't make a payment it will decrease substantially. There's absolutely no way your company helps EVERYONE 'S credit. $ XXXX in total to lose over 125pts total in credit score. Deplorable
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the items as it is incorrect and doesnt reflect my true credit history.
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian, XXXX and XXXX asking to remove all information that couldnt be verified and validated and they sent a letter stating that the all accounts were validated.But no response of an investigation was done.Also, no proof of any of the accounts on my consumer report. 

Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Ongoing Discrepancies in Credit Report Disputes Reference to CFPB Lawsuit Dear Experian, I am writing to formally address the ongoing issues with inaccurate information on my credit report, despite my repeated attempts to dispute and resolve these errors. I have previously submitted disputes to your office, but unfortunately, the inaccuracies persist, and my credit report continues to reflect incorrect information. 

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes and for continuing to report inaccurate information. In light of this, I find it concerning that my own disputes have not been handled in accordance with the standards set by the CFPB and the Fair Credit Reporting Act ( FCRA ). 

The inaccuracies I have disputed includes information that was not to be posted on my consumer report without permissible purpose, closed and incorrect account balances, late payment marks, and wrong account information. Despite providing ample documentation to support my claims, these errors have not been corrected, and my credit report continues to reflect this inaccurate information. 

As a result of these errors, I am experiencing significant damage to my credit score, which in turn affects my financial stability and access to credit. According to the FCRA, you are obligated to investigate and correct any disputed information that is inaccurate, incomplete, or unverifiable. The continued reporting of these inaccuracies suggests that your investigations have not been conducted in a thorough or accurate manner. 

I respectfully request that you conduct a full and accurate investigation of the disputed items and provide me with the following : A detailed explanation of the steps taken to investigate my disputes.

Clear documentation proving the accuracy of the information reported on my credit file.

A corrected version of my credit report reflecting the accurate and up-to-date information. 
Please be advised that if these discrepancies are not resolved promptly and appropriately, I will be forced to consider further action, including filing a formal complaint with the CFPB and potentially pursuing legal action. I trust that you will take the necessary steps to ensure compliance with the FCRA and resolve this matter swiftly. 

Thank you for your prompt attention to this issue. I expect a response within 30 days as required by law. 

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

I contacted XXXX XXXX the party filing false information on my credit report, and they refused to remove the false information ; I contacted XXXX, and Transunion with a complaint, and they refuse to remove this from my credit report ; I had a XXXX XXXX   from XXXX XXXX I never used, and a XXXX Card I used, and all payments were made on time, they reported a late payment which I was never notified I owed anything to them, they reported both cards, two seperate accounts under the same complaint ; they reported that I never made the first payment, but it clearly shows on the report two payments prior were made on time, customer offered me {$50.00} late fee credit, and no fees until XXXX as their solution, I stated I wanted the accounts closed, as they are paid in full, and wanted this false information removed from my credit report, XXXX XXXX refused, the credit reporting agency are holding this on my report.
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX are reporting these three items on my report as accurate. I dont know or have any knowledge of who these creditors are and want them deleted immediately. Attached is my police report and items showing these original creditors that I have no knowledge of and want deleted immediately. Police report number # XXXX.
Product: Mortgage

I am currently working on refinancing my home with XXXX XXXX and have run into a problem with the existing loan from Bank of America. XXXX XXXX ran my credit report and informed me that the loan dose not show they called Bank of America with the loan number I provided and where told the loan had been written off. My concern is that this may hinder my ability to get refinancing. In 2012 I did file for bankruptcy and retained my home I have been making payments to Bank of America since 2012 apparently without it reflecting on my credit. I have asked in the past about reaafiming the loan and was told I did not have to or that Bank of America did not want me to. My concern is that I will not be able to refinance my house and I was hoping to get funds from some equity I have built up. Any help in this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please attached Document stating where I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes to get accounts removed from my report. I am a victim of identity theft since XX/XX/2007. These negative accounts that are not mine are negatively affecting my credit, and not allowing me to get the loans I need for my business.
Product: Credit reporting or other personal consumer reports

I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The accounting question is from XXXX XXXX holdings who does not have certificate of authority to transact business in Pennsylvania making the contract void, unenforceable and illegal. Furthermore XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment, i demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. Both companies have refused to send 1099 c despite the account being a charge off for well beyond the time permitted by The IRC. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This notice to all parties involved any further any further non compliance will be considered willful. Thank you in advance for your attention and care into this matter
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXXXXXX - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Debt collection

This creditor is reporting negatively on my credit report. I send a debt validation letter and i received a print out on XX/XX/XXXX. The letter is not any verification of debt with this company, i sent a second letter on XX/XX/XXXX and i have never received any response back even though my letters were send certified mail. This Debt is for XXXX originally from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my report that has not been validated after sending in numerous identity theft reports and validation letters
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I.Q Data international inc has illegally bought my data from XXXX XXXX  without my consent 15 USC 1681b and 18 USC 1028a which is Identity Theft my name is copyright and have a UCC lien on my name. i sent them XXXX letters and told them over the phone to stop contacting and reporting my personal date to all credit agency. they didnt not listen which violate the fair debt collection act. So I filed a XXXX  report and contact XXXX They wrote me again talking bout my disputes has no facts like as if my name is not copyrighting or the FCRA laws dont mater and disreguard the fair debt collection act. They dont even have a license in the state of XXXX to even try to collect a debt. I never made a contract with them and I will not make one ever.
Product: Student loan

My loan amount increase while I was in deferment and I am currently enrolled in school.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information and do not recognized these companies!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts/items do not belong to me. Please delete immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding a violation of federal law on my credit report. The collection agency handling my account failed to include a notice of dispute, as required by law. 

This violates : Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ), which requires disputed accounts to be marked as such.

Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 8 ), which prohibits leaving out dispute notices in communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to properly protect consumer information and my personal information was collected by hackers on their systems. I have zero confidence in their ability to investigate and remediate.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have not been updated since 2015 and having a negative effect my credit score! XXXX is reporting these accounts have been late, which is not correct. 

The dates, and balance information on these accounts are inaccurate and I'm requesting this information be removed, per the FAIR CREDIT ACT, 611. 

XXXX  # XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX Please see the STATUS DATE ON THIS ACCOUNTS. This has always been an issue with XXXX and the CFPB never do anything about it, so I'm requesting assistance here again and I will reach out to the State Attorney as this makes no sense. 

The was understand the impression the CFPB was enforce rules and law for the consumer of America, but in most cases with XXXX  nothing is never done as they have been sued for a number of law breaking actions.
Product: Student loan

I am part of the XXXX v XXXX XXXX agreement due to fraudulent practices by my college, XXXXXX/XX/XXXX on XX/XX/XXXX when I enrolled in college, and pressuring me to sign for an unnecessary private loan with Navient. https : //navient.com/about/ The navient loan is crippling me in debt as even though I have been paying for years, the original balance of {$19000.00} is at XXXX as of XX/XX/XXXX and keeps going up. I was falsely promised by XXXX admission counselors that I would be making $ XXXX $ XXXX after graduation and was forced to sign for the Federal and then this private loan as well. Emails are attached. I am still paying my XXXX yr private loans where I struggled for years to make payments and continue to do so. And this financial struggle continues as I make the private loans the balance keeps going up, while I have a family to support, crippled with bills. The University deceptively and without my consent pushed me to sign for this private loan with Navient and since XXXXXX/XX/XXXX approved it for the federal loans, I am requesting the same with the private loan. 

I opened the initial complaint with CFPB on XX/XX/XXXX, XXXX. Navient first reached out with acknowledgement on XX/XX/XXXX and then denied on XX/XX/XXXX based on : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school '' I called customer service and requested explanation and NONE was given to me on the reasons for denial. This does not make sense to me while I have recorded proof of pressure tactics, wrong information, deceptive marketing by XXXX to pressure me to sign for Private loans that I did NOT need and continue to pay for as the interest keeps increasing the balance. 

I am requesting CFBP help again to help escalate this matter with Navient.
Product: Checking or savings account

From XXXX I kept having issues with XXXX and Zelle it kept registering people on my account and it would send money that I didn't authorize! When I would call they would always tell me they're was nothing they could do about it due to it already being deducted from my account..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters of dispute over the course of 4 months dated XX/XX/21, XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ok XXXX XXXX XXXX Subject : REQUEST FOR FULL DEBT REMOVAL RE : Navient Acc # XXXX {$190000.00} XX/XX/2022 To Whom It May Concern, I am currently being harassed by Navient. Navient has called me multiple times a day which I understood would happen when I was unable to pay the loans. They then started calling my sister, elderly parents, and mother in law. I spoke to them on XXXX separate occasions and asked that they stop calling family. Two weeks ago I spoke to them and explained my situation again. I explained I have XXXX, XXXX XXXX  children, and work XXXX XXXX XXXX XXXX. I am not always able to talk on the phone but will be in contact with them-that they did not need to contact other people. I would always let them know if my contact information changed. Today they called my neighbor who also happens to be my coworker. I have no idea why they would start calling neighbors and coworkers except to embarass and harass me into paying them ( with money I do not have ). I understand there are consequences for not paying a debt and I am willing to take them. I want to work out an agreement with them. However, I do believe I deserve some sort of protection from having my personal business spread around the small town I live in and tarnishing my reputation at work. Can you please help? I am desperate. 

Navients attempt to validate my claim is vague and insufficient and the documentation that was submitted is vague and lacking competence. Wet ink copies of statements or applications bearing my signature were NOT provided. Proof of a contractual agreement bearing my signature was NOT provided. Navients computer screen printouts submitted are vague, lack competence and are therefore unacceptable. Navients attempt to validate this claim is therefore unsatisfactory. Navients collection attempts violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of in their question to damage my credit standing. 

XXXX XXXX
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody has obtained my personal information and has opened accounts in my name. 
BK of America : {$2400.00} XX/XX/XXXX Bk of America : inquiry XX/XX/XXXX XXXX XXXX : inquiry XX/XX/XXXX Please remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/ identity theft, all is investigated by the FTC . According to FCRA 605B This information must be blocked immediately until the investigation is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CLOSED two of my US Bank credit cards ending in XXXX and XXXX on two separate calls but agents and their supervisors illegally claimed that Closure Status may not be reported to credit reporting agencies for up to 60 days despite the fact that XXXX XXXX Compliance would require an immediate reporting of my account as Closed at consumers request to every CRA. The FCRA and XXXX XXXX require PROMPT and immediate mid cycle reporting of Closed accounts when the button is pushed to close an account. My credit reports remain open in willful violation of the FCRA and furnisher has stated that it has no intention to promptly report my account as closed. I seek {$1000.00} in statutory damages for each account for each day the willful violation remain until permanently corrected. Permanent deletion of my accounts are demanded as my accounts are NOT XXXX  XXXX Compliant. At a minimum, my accounts must be PERMANENTLY reported as DISPUTED as this Complaint challenges balances due to statutory damages for willful FCRA violations. Additional FCRA willful violations will occur if my accounts are not marked as disputed permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX XXXX # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.