23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was unaware of this debt when it appeared on my credit report, I didnt have the opportunity to dispute this information. If in fact you believe you gave me proper notification please send me the certified documentation that shows that I was aware of this debt that had my signature stating that I received this documentation. 
In the absence of such documentation, I respectfully request that the accounts be removed from my credit report, as I was not given the opportunity to address these debts in a timely manner. 

Please provide me with the requested documentation or proceed with the deletion of the accounts from my credit report. I would appreciate your prompt attention to this matter. 

Account : XXXX XXXX  - XXXX Account : XXXX XXXX XXXX XXXX  - XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX - XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit inquiry named XXXX - XXXX XXXX is damaging my credit rating. The inquiry was placed on my consumer file on XX/XX/2022. Documentation regarding the circumstances surrounding the release of my credit report has not been provided.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost importance regarding the information contained in my consumer credit report, which I believe is in violation of 15 USC 1681A. This federal statute outlines the definitions of terms used in the context of consumer reporting agencies, and I wish to draw your attention to a specific section. 

According to 15 USC 1681A, Section 1681a ( d ) ( 1 ) ( A ) ( i ) states : " Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' It has come to my attention that my consumer credit report maintained by your agency contains information that may be in direct violation of this provision. Specifically, there are items in my credit report that appear to include information that is not solely related to transactions or experiences between myself and the reporting entities. 

I demand that you thoroughly review my credit report in accordance with the aforementioned statute and take the necessary steps to rectify any violations of this provision promptly. I expect that any information not in compliance with 15 USC 1681A will be promptly removed or corrected to ensure compliance with federal law. 

Please provide me with written confirmation of your actions in response to this matter within 30 days of receiving this letter, as required by the Fair Credit Reporting Act ( FCRA ). Failure to address this issue within the stipulated time frame may compel me to seek legal remedies available to me under the FCRA. 

I appreciate your immediate attention to this matter and your commitment to ensuring compliance with federal law in all aspects of consumer credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted through dispute letter and vocal communication multiple times, both First Interstate Bank and XXXX. both blame each other for being unable to remove errors or delete incorrect accounts. First Interstate Bank has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an XXXX report which has been verified by First Interstate Bank. The XXXX Report is dated XX/XX/XXXX. The Confirmation # XXXX. The account from First Interstate Bank reported in the XXXX report is Account Number is XXXX. I contacted First Interstate Bank to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX ( 11 years ago ). There are many errors on this account. The account is missing High Credit and is blank ( Error 1 ). The Credit Limit is also blank and missing information ( Error 2 ). The Terms Duration is missing information and blank ( Error 3 ). The Months Revd is XXXX which for this loan is Incorrect ( Error 4 ). Amount Past Due is blank and missing information ( Error 5 ). The Date of Last Activity is Reported as XX/XX/XXXX, This is Incorrect The date of Last Payment is XX/XX/XXXX ( 34 months later ) ( Error 6 ). The Actual Payment Amount is Missing ( Error 7 ). The Scheduled Payment information is missing ( Error 8 ). Date of 1st Delinquency is blank ( Error 9 ). Date XXXX XXXX 1st reported is missing information ( Error 10 ). This account according to First Interstate Bank was opened XX/XX/XXXX with the last payment reported XXXX ( 7 years later ), Yet there is no payment history. The payment history is missing ( Error 11 ). by law FCRA Sections 609 and 611 require creditors and credit reporting companies to report information accurately and correctly. The account is to be deleted from the consumers report. This report has many mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please CFPB, I'm a victim of fraud, please forward the following information to Mohela. Thnak you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the XXXX Fraud Department and the Borrowers Defense. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked XXXX to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. Borrowers defense told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act 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 consumerreporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax Credit Bureau a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/2021. I have yet to receive any response back in regards to the matter. The following accounts follow : XXXX. The following account is not mine XXXX XXXX. The following account is not mine XXXX XXXX XXXX The following account is not mine XXXX XXXX. The following account is not mine XXXX XXXX XXXX. The following Inquiry is not mine CCB/BOSCOV Date of Inquiry : XX/XX/2021 XXXX. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/2021 A 30 day demand to comply was also sent to Equifax Credit Bureau as well, which they failed to adhere to. Please see attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX. XXXX XXXXL ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original 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 XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Please remove this information from my credit report, this affects me a lot, I don't want to have it. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Student loan care promised to reduce my monthly payments and it has been over a year now. They charged me {$1400.00} for the service and nothing was delivered. I asked for a refund and they said only a portion of about {$1100.00} will be refunded. I said that is fine at this point I want nothing to do with them. It's been over a few months and nothing has came in the mail in a form of a check like they promised. I emailed countless times and was told it will be present. Still til today nothing has came in. Please help close these scammers down.
Product: Checking or savings account

It 's become ridiculous and long to open simple account with Peoples United Bank-XXXX XXXX XXXX XXXX location. With friendly service of employees at the bank we are__ : group of XXXX from XXXX unable to open simple checking account at this bank its sims Discrimination against foreigners .We came to the bank as of group of 10 people on XX/XX/XXXX ... .Bank request several documents to ensure that status in USA is legal and after that 4 (!!! ) weeks past and account still not open without explanation ... Total Discrimination ... Thanks for help. This is a address of this branch Peoples United Bank XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

XXXX XXXX XXXX amount {$570.00} XXXX XXXX  OPEN XXXX XXXX {$850.00} these accounts had to be opened fraudulently in my name. I never had either of these accounts opened.. I'm requesting that they be removed these fraudulent accounts from my credit report. Reporting to equifax and XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CREDIT SERVICES, continuo to report a fraudulent account in my report that is the result of Identity theft i have provided all documentation to experian and XXXX CREDIT CARD # XXXX of the illegality of this account, identity theft report from FEDERAL TRADE COMISSION, XXXX COUNTY SHERRIFF REPORT, IRS IDENTITY THEFT REPORT and continuo reporting this Ilegal account in my report I have requested the help the state attorney, FTC, and lastly your. 
The solution is to remover this fraudulent account from my report
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 confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX ( Original Creditor : ) 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I was not contacted by Radius Global Solution, in the amount of XXXX and the amount in collection was handled in a settlement with XXXX hospital. This is also a violation in my HIPPA RIGHTS and HIPPA LAW. I request for my personal information for this collection matter to be removed from all three credit bureaus ( XXXX, XXXX, and XXXX  ) as a violation of my rights. Also due to the creditor never reaching out to me and the amount being settled with hospital.
Product: Debt collection

I have no acknowledgment of this company nor debt. They instantly placed a debt of {$990.00} on all of my credit profiles. I reached out via email for verification and got no response.
Product: Checking or savings account

My bank card was stolen and somebody did refunds from my transaction and ask for the money back and took the the money out my account and now the bank want credit the money back into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$16000.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX & XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX  : {$3900.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6800.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX7200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I lost my job and my skills won't allow me to get a job until the economy opens again ; who knows when that be. I asked Chase to not allow interest to accumulate on my account. This must be done in order for me not to go bankrupt and suffering Chase for non-payment.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

I recently reviewed my credit report and found several accounts that seem to be erroneous and added without my knowledge.
Product: Debt collection

I had an out court debt settlement pay arrangement to a debt with this company. The company did not show up the Scheduled Court Hearing and their did not respond to Judge and myselft about the No Show. The Judge advised sent in the final payment of the arrangement. On XX/XX/XXXX I received the Cashiers Check from the Debt Collector staying that I can not request and letter stating that the agreement was paid full.
Product: Mortgage

XX/XX/XXXX - requested and entered into forbearance, lasting from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX - applied for funding from NCHAF ( COVID-19 relief ) to take care of past due payments, fee 's, etc., that were missed during the forbearance period. 

XX/XX/XXXX - forbearance period ended. 

XX/XX/XXXX - finally contacted Servicer by phone regarding balance discrepancy on all three credit reporting agencies ( XXXX, XXXX XXXX XXXX ). Servicer confirmed the balance of {$340000.00}. XXXX as it reveals on their website, but conflicts with the balance on the three credit reports. Spoke and requested letter from Servicer Supervisor XXXX, said he will email it and send a copy to my home address, but he never followed through. 

XX/XX/XXXX - generated and sent out a " Notice of Error '' correspondence, along with supporting documents to the Servicer expressing my phone call placed on XX/XX/XXXX with XXXX XXXX. I stated the issue at hand ( discrepancy with the reported balance on all three credit bureaus ) are in contrast with what's on their online platform. 

XX/XX/XXXX - I received an " Acknowledgment '' email @ XXXX XXXX  from the Servicer. PDF attached : letter informing me that they received my written request. 

XX/XX/XXXX - I received an envelope in the mail, date stamped XX/XX/XXXX, with a letter dated XX/XX/XXXX from the Servicer, stating that they're responding to my correspondence received on XX/XX/XXXX. I didn't send in a correspondence on XX/XX/XXXX. As mentioned in my XX/XX/XXXX correspondence that I sent out FIrst Class Mail, I called them. Due to their lack of communication and integrity, it was then that I decided to reach out to them in writing, with a 10 day response and solution to the problem. I've contacted Pennymac several times by phone regarding this matter and they continue to go around the issue at hand. The correspondence sent by the Servicer only include a " Verification of Mortgage '' document regarding my account. As for the solution of correcting the balance that's being reported to the three credit bureaus, they totally ignored the intention of the " Notice of Error '' that was sent to them. Not once did they mention anything regarding the error in their letter, instead a " Verification of Mortgage? document was suffice for the correction that needed to be made. 

Pennymac refuses to do the right thing. The only way that you can contact them is by phone or in writing. Their customer service over the phone is far from professionalism. Uploading documents through their message center is the worst. They have no way of tracking what you send them, but they heavily utilize the email platform to contact their customers. I've included supporting documents to hopefully remedy the situation. I'm being treated unethically and discriminated against, causing me great anxiety. This situation went from trying to get assistance during these unprecedented times to a full-blown nightmare. Please refer to the attached. Thank you!!
Product: Mortgage

I tried to modify my home loan with Bank of America. I filed all the paperwork required and was told I was denied a modification on XX/XX/2018. Other calls to the bank indicated the modification was with the investor and we were waiting for an answer. I can not get any straight answers from the bank. I am scared as my home has a sale date in less than 1 month. Bank of America has not been helpful at all. I keep getting the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue I have with Equifax violating my rights and the laws according to but not limited to 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT. I have encountered with 2 accounts reporting information incorrectly on my credit report to include Department of EducationXXXX and XXXX XXXX XXXX on Equifax. Specifically, I have noticed that my credit report indicates that I was 60 days, 90 days, and 120 days late. However, there are no prior 90, 60, or 30-day late payments, which indicates that this information is inaccurate.

I am concerned about the impact that this inaccurate information may have on my credit score and my ability to obtain credit in the future. As you may be aware, federal law requires that credit reporting agencies report only accurate information about consumers, and that they must investigate any disputes regarding inaccurate information. I am therefore requesting that you reinvestigate this matter and take appro priate action to ensure that the Department
of Education and XXXX on Equifax comply with federal law and delete any incorrect information from my credit report.

Thank you for your attention to this matter.
Product: Debt collection

I disagree with the debt. I have filed a small claims court proceeding in XXXX XXXX court case # XXXX against the original debt collector. Please remove this debt collection from my credit report. 
Also, I requested the contract or a breakdown/ledger of alleged amount due via email to XXXX XXXX XXXX XXXX XXXX XXXX @ JJ Marshall to no avail, my email was not responded to, to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2100.00}
Product: Student loan

In early XXXX ( maybe around XXXX or XXXX ) I submitted my application ( online ) for an income-driven-repayment plan to one of my student loan servicers ( Nelnet ) ; not only did I complete the necessary form but as a follow up I called nelnet to make sure that they received and approved the INCOME DRIVEN REPAYMENT PLAN for one year.Despite my meticulous care in this area -- -- Nelnet just recently sent me a harrassing email erroneously stating that I am currently 15 days past due when they assessed that from XXXX of XXXX until XXXX of XXXX my repayment obligation would be exactly XXXX dollars per month.They have harrassed me in this manner before -- -- -and along with the current stresses due to covid-19 and trying to keep body and soul together by buying food and paying rent -- -there unecessary and frivolous harrassment is starting to adversely effect my mental and physical health and well being ( I am currently XXXX years old ) .They are consistently among the most widely -complained-about loan servicers in the nation -- -- -and I can certainly see that their lack of professionalism, lack of due diligence, and glaring lack of competency stand as prominent monuments as to why this is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE AND I HAVE FIGHTING THIS MATTER ALL YEAR AND DEBTS ARE BEING VALIDATED IN WHICH DONT BELONG TO ME