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

I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My loan was included in the XXXX v. XXXX XXXX. The court order gave servicers until XX/XX/2024 to discharge the debt, update our credit reports, and refund any money paid towards it. I continued to follow up with Nelnet. And each time, I am advised that it will be completed and there should be a forbearance. I do not want a forbearance, I would like my loan to reflect the correct amount. At this time, it does not and my credit report is inaccurate as well, which is a violation of the FCRA. I am not sure what the delay is. When student loan payments resumed, it showed I had a payment of approximately {$100.00}. This is based off of a large amount of the XXXX XXXX XXXX loan that should be discharged. I am currently on the phone at XXXXXXXX XXXX  XXXX on XX/XX/2024 with a supervisor at Nelnet who has me on hold while he does some digging into my account. Apparently, he stated they were advised the education board to continue to hold these loans in forbearance until they were resolved. Yet, mine has a due date of XX/XX/2024. I am not sure where the breakdown is. Now, I am being told I have to be approved by Nelnet. I am confused because all my communication has advised me that I was approved. I attended the XXXX XXXX XXXX. He is sending this up the chain of command. So, I do not have a forbearance and this is still reflecting a payment is due tomorrow. This is ridiculous as these servicers have had a year to get these resolved and determine how best to handle these. This is a violation of the court order.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Account Error Dear [ Experian ], I hope this message finds you well. 

I am writing on behalf of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, regarding an urgent matter with Experian. We have encountered a significant issue concerning a car loan that was rescinded due to violations of the Truth in Lending Act ( TILA ). 

While we greatly appreciate XXXX 's swift action in updating their records to reflect the correct status, we are disappointed to report that Experian has not made the necessary corrections. As it stands, the account inaccurately indicates liability for the consumer, which is not the case, and this issue is adversely affecting the XXXX XXXX XXXX XXXX. 

We kindly request your immediate attention to rectify this situation in accordance with XXXX concerning the right of rescission. Your prompt cooperation in correcting this error would not only alleviate the ongoing hinderance but also uphold the integrity of the reporting. 

Thank you for your understanding and assistance in this matter. We look forward to your swift response. 

Warm regards, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report XX/XX/XXXX from all three bureaus and I noticed multiple inquiries from what looks to be auto finance companies and banks. I filed an identity theft complaint with the FTC XX/XX/XXXX and froze my XXXX credit file ( online ). I named each inquiry to the XXXX rep as she removed the inquiries. I'm awaiting a updated copy of my report. I contacted Transunion and noticed several inquiries that I complained about around XX/XX/XXXX ( and was told were deleted ) that were reinserted for some reason. Both Transunion and XXXX stated I would have to reach out to the merchants to dispute the inquiries. 

I do not believe this can possibly be right, being that I NEVER authorized any of these inquiries which is why I filed an id theft report with the FTC. Not only should I not have to reach out to someone I have no business with, but these reporting agencies shouldn't be allowed to report inaccurate and unauthorized information. 

I can say I have two vehicles that are account holding and am NOT in search of a new vehicle nor any form of credit.
Product: Credit reporting or other personal consumer reports

I have been contacting XXXX XXXX for a period of time they said that the information would be removed off my report the first time I called they had an address I never lived at and ask me for my address so they can send me a letter saying it was removed the first address was an address in XXXX XXXX XXXX XXXX XXXX XXXX XXXX so when I noticed it wasn't remove nor did I receive the letter when I called again they had the address I gave them at first the year said 2017 and now the year saying 2019 which I can prove I wasn't at the address that I'm at now I can upload my lease
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I attempted to open a bank account in Texas through XXXX Bank Online, I was denied the ability to do so and informed my credit has been frozen through XXXX. I attempted to utilize XXXX  online form to lift the credit freeze and again was denied the ability to do so and then given mailing instructions. I followed these instructions verbatim and have not been contacted to resolve this situation. 
I also went through the same procedures with both XXXX as well as Equifax. 
In the case of XXXX, I was able to resolve the matter over the telephone, the agent informed me that these credit freezes were placed back in XXXX, which I could not understand because since the beginning of XXXX I have opened multiple accounts through a number of different financial institutions in different states within the U.S.

In the case of Equifax, I attempted to fill out the online form which required a mobile phone number which I do not have and because of this the agent instructed me to mail two copies of ID and a cover letter with my request to lift my freeze and explained that I would hear from them in less than 10 business days, of which never occurred. 

For all documentation mailed, I payed for certified mail back in XXXX and still hold the tracking information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681 Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 repporting agency may make any consumer report containing any of the following itemsof information. Any other adverse item of information other than records of convictions of crimeswhich adates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues getting a fraudulent account removed from my credit reports. My identity was stolen and as a result there is a Capital One account that does not belong to me. I never opened this account or used it. On XX/XX/XXXX, I disputed this account with the credit bureaus and with Capital One directly but to no luck. Capital one just recently responded saying that they do not believe this account was opened fraudulently, and are refusing to remove it. This is after I sent them my identity theft affidavit, police report, AND documents from the IRS stating that my identity had been compromised. Capital One is refusing to do it's due diligence and it is doing significant damage to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX you replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX Appalled by that information, I went directly to ( XXXX ) and in response to my inquiry they claim to have never VERIFIED the Bankruptcies with Transunion. I also have a email from ( LCI ) stating they did NOT provide Transunion with my Bankruptcy information. This would mean that the bankruptcies is by law considered XXXX. 
In XXXX, and XXXX Transunion used XXXX to verify Bankruptcies per TRANSUNIONS website both of my Bankruptcy were filed in XXXX, and XXXX. There is no way XXXX could of provided Transunion with this information. XXXX do NOT have any Bankruptcy for me in their system. XXXX attaching a letter form XXXX as well stating they do not have any Bankruptcies in their system for me. 
I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

I have enclosed the email from XXXX for your inspection, and a copy from Transunion website stating that they started using XXXX in XXXX, XXXX. Please DELETE both of the Bankruptcies from my credit reports as it is NOT verified!
Product: Student loan

I submitted the PSLF Manual Application to MOHELA to have my eligible payments updated and reflected towards my forgiveness. The application that was submitted on XX/XX/XXXX was processed. After reviewing my progress, I noticed that I had two loans 13 DL and 14 DL that needed to have eligible payments reflected because they had one payment needed for discharge. I submitted an additional PSLF Manual Application to MOHELA that was certified by my employer, signed and dated XX/XX/XXXX. There is no limit to how many PSLF Manual Applications that can be submitted if they are certified and dated by employer. On XX/XX/XXXX, I received notification that they did not process my application and update payments because they stated it was a " duplicate application. '' The application is not a duplication but a submitted new application for processing. MOHELA should have updated the account to reflect eligible payments for the XX/XX/XXXX application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has infringed upon my rights to privacy under the FCRA. Experian falsely reported my XXXX XXXX XXXX 60 days which is inaccurate. I was never late on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has charged off and closed the account back in 2020 and reopened it, and charged it off again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights has been violated. 
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. 

Which is Experian and you are still reporting this account without my written instructions. I also requested the information that was used to verify this account in writing. No documents was produced, so DELETE this account from my credit report immediately. 

The dispute for the account with XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX How can this information be accurate according to XXXX Credit Report from XXXX XXXXXXXX XXXX Clean slate! As of XXXX. XXXX, XXXX you have no collection accounts on your credit report. How can this information be accurate as well on XXXX Credit Report from XXXX XXXX. Clean slate! As of XXXX. XXXX, XXXX, you have no collection accounts on your credit report. Also attached document from XXXX XXXX XXXX XXXX and please look at the date when I did my own investigation. Please tell me how it can it be certified when they have not found any case existing on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in direct violation of the FCRA and Gramm Leach Bliley Act. Failing to answer my dispute in timely manner. as well as Reporting unverified and innacurate information on my credit report. Please refer to the documents attached
Product: Credit reporting, credit repair services, or other personal consumer reports

My last two CFPB complaints ( XXXX ) were ignored due to the fact that this company believed someone else was making these complaints outside of me, However on XX/XX/2021 I spoke with a customer representative at Experian to verify that I, XXXX XXXX XXXX am indeed making these complaints. 


On XX/XX/2021 I spoke with a representative on behalf of Experian on an item thats been reported on my credit report incorrectly. He then proceeded to say he will open a new dispute however, I have disputed this item several times and every time you have failed to deliver the validation on this item being reported on my report. I asked the representative how did this company verify this item and was told they verified it by word of mouth with no legible information nor documentation provided. This is unacceptable and illegal. Section 611 ( a ) plainly states that a failure to properly investigate any items within 30 days gives a reason to immediately remove them from the credit report. It has been over 45 days since my last dispute so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Product: Mortgage

On XX/XX/2018 I contacted my Ditech to get a payoff on my mortgage. They refused to give me a loan payoff amount. In addition, they told me that paying off the principal amount of the loan would not pay off the loan unless I knew how much the payoff was, sent that payoff to an address other than the normal payment location, and used a certified check from the bank to make the payment.
Product: Mortgage

I applied for a loan on a rental property with M & T Mortgage. My intentions were to rent out both units and I made that very clear in the beginning of the process. The loan officer recommended a XXXX loan for the reason of the lowest interest rate as this was my first property purchase. At no point did he verbally inform myself I had to live in XXXX of the units. The process was drawn out for over 6 months due to multiple parties on the M & T side leaving and filling in with a new representative. After providing multiple documents we got to the closing week and was informed only a few days before that we could not move forward due to both units being occupied by tenants. The loan office was very unprofessional throughout the entire process ; lacking response for weeks at a time, rude on the phone and most importantly misguiding. It was frustrating not receiving answers and when I did, it was always adding another step my lawyer or myself had to take leading to the 6 month process which ended in backing out of the deal all together.
Product: Debt collection

Good Evening ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX