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

XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX These accounts are all fraudulent accounts opened in my name. I was XXXX with XXXX XXXX  XXXX XXXX when my identity was stolen and being used to open fraudulent accounts. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. My only address should be XXXX XXXX XXXX XXXX Ga XXXX. I was XXXX since I was XXXX XXXX XXXX until my release date of XXXX When I came home it was to my home address of XXXX XXXX XXXX XXXX, Ga XXXX
Product: Student loan

I signed a loan agreement with XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. They were going to get my loan paid off through XXXX within a number of days, definitely by the end of XX/XX/XXXX reportedly and then I would start owing money to Mohela, their loan financer. However, I got a notification that money was still being deducted for my XXXX loan in XX/XX/XXXX and when I checked my account, the loan had not been paid off. I contacted Mohela and XXXX and they said that it looks like the loan had not been paid off and they were going to look in to it and get back to me. When I had not heard back for several weeks, I contacted them again at the end of XX/XX/XXXX and they said they were going to put my loan through Mohela into administrative forbearance. I then got a notification on XX/XX/XXXX that said the forbearance had started and ended on XX/XX/XXXX and that I was still accruing interest through Mohela ( as well as through XXXX ). 

I have reported this to the company XXXX again today and they said they are still trying to figure out what is going on the loan repayment through XXXX. This has been going on for almost two months at this point, I am concerned I am being scammed and that I have now signed paperwork for a loan that does not exist, but that I am being charged interest on. The company has been very poorly communicative, and I have had to follow up multiple times to get answers, which no one has been able to provide.
Product: Mortgage

LoanCare, LLCCustomer AdvocateAttn: XXXX XXXXXXXX. XXXX XXXXXXXX XXXX, VA XXXXI am writing to request correction of the error described below in regard to the mortgage on my property. Your company failed to credit the payment of $XXXX I made on XX/XX/XXXX via the USPS and XXXX XXXX XXXX  XXXX Cashier’s Check # XXXX (enclosure 1). Per enclosure 2, XXXX XXXX paid off my loan in full $XXXX onXX/XX/XXXX. On or about XX/XX/XXXX, your company issued an escrow refund of $XXXX.  I contacted your Customer Advocate team on XX/XX/XXXX to address this issue. A ticket # XXXX was issued for my complaint. I contacted your Customer Advocate team again on XX/XX/XXXX and XX/XX/XXXX.  As of the date of this letter, my complaint has not been resolved to my satisfaction.
Product: Credit card or prepaid card

I was going to close this credit card because I no longer needed it but I ended up calling back and requesting to keep it under the advise of the credit repair guy. I called to make sure I had the right address and the website had the wrong address. The reason I was going to close it is because of the difficulty and expense of getting a payment in securely. I alerted the representative to the fact that the addresses were different and he was not concerned about it? I sent in the money order and did not put tracking on it, big mistake. I sent it in on the XXXX of XXXX and it was cashed on the XXXX of XXXX. First Progress said I needed to send proof so I sent the money order number and my receipt. They then told me I needed to send the other side of the money order so I attempted to fax it an entire day at XXXX until at the end of the day it finally went through. I have 11 pages proving that I was trying to fax from XXXX The first fax went right through? When I called the following day the said it was not sufficient? 
The money order was made out to them and it was cashed in the same amount of time as the prior payment. I thought the number of the money order is how they would know if my hand writing or any other detail was wrong?
Product: Credit reporting or other personal consumer reports

This communication serves as a formal demand for immediate corrective action regarding the egregious inaccuracies, inconsistencies, and outright violations of XXXX XXXX reporting standards on my consumer report. The deliberate and reckless handling of my data by [ Experian, XXXX, XXXX ] not only violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( B ) but also demonstrates gross negligence in adhering to XXXX XXXX guidelines as mandated by the XXXX XXXX XXXX XXXX ( XXXX ). 
Legal Violations and Evidence of Noncompliance I have meticulously analyzed the accounts below and have uncovered multiple, undeniable violations of federal law and XXXX XXXX compliance standards. Your failure to adhere to these obligations is unacceptable and must be addressed immediately : XXXX. Account Name : XXXX XXXX XXXX ( Account # XXXX ) o Late Payment Reporting : The dates of late payments are inconsistent across all three bureaus, violating XXXX XXXX Section 620 guidelines for uniformity.

o Account Status Conflict : Reporting the account as " current '' while simultaneously showing delinquency is contradictory and noncompliant with FCRA 623 ( a ) ( 1 ). 
o High Balance Discrepancy : The reported high balance varies across bureaus, undermining the accuracy and reliability of this data.

o Dispute Comments : Your records indicate that a dispute was resolved, yet the reporting is incomplete and lacks clarity, violating FCRA 611 ( a ). 
2. Account Name : XXXX XXXX ( Account # XXXX ) o High Balance Variance : The reported high balance differs significantly among bureaus, violating uniformity requirements. 
o Date Opened : Inconsistent reporting of the account opening date across bureaus is a blatant failure of XXXX XXXX compliance. 
o Payment Frequency Missing : Inadequate reporting of payment frequency violates Section 620 of XXXX XXXX for incomplete data. 
XXXX. Account Name : XXXX XXXX ( Account # XXXX ) o Date Closed Discrepancy : The " date closed '' field is inconsistent, undermining data accuracy as required by FCRA 623 ( a ) ( 1 ). 
o Account Type Variance : The account type is inconsistently listed, further violating uniform reporting standards. 
o Payment Status Conflict : Reporting " paid '' while maintaining delinquency comments is contradictory and noncompliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX correspondence which addressed the concerns of the complaint was not enclosed as stated by XXXX XXXXXXXX in theirXX/XX/XXXX response. They stated a payment history of the account from XX/XX/XXXX to the present for my record was enclosed, this is not true did not enclose the payment histor. Another complaint will be initiate for that information requiring XXXX XXXX to disclose payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone fraudulently opened a XXXX XXXX store credit card in my name. I spoke with XXXX XXXX who instructed me to file an identity theft report with the Federal Trade Commission. On XX/XX/2020, I filed an Identity Theft Report. I mailed the FTC report along with a letter asking the credit bureaus to remove the inaccurate information from my credit report. XXXX and XXXX removed the items but I have had to send several letters to Experian asking them to remove this item. I sent certified letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. This item remains on my credit report. I received a letter from Experian on XX/XX/2020. This letter says that the XXXX XXXX account has been deleted from my credit file. The XXXX XXXX account has not in fact been deleted from my Experian credit report. The fraudulent XXXX XXXX account is currently being reported as a closed/charged-off account. This item should be completely removed as per the Federal Credit Reporting Act, which states that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. I have made several phone calls to Experian to no avail. Please look into this matter and hold Experian accountable. More than anything, I need this fraudulent item removed from my credit report because it is keeping me from obtaining credit and interfering with my livelihood. I have attached the following items : -Certified letter tracking receipts for letters sent to Experian . 
-A copy of my FTC Identity Theft Report. 
-The letter from Experian saying that the item was deleted -A copy of my current Experian credit report showing the XXXX XXXX account as a closed account which is negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

I have an open CFPB dated XX/XX/year>2025. 
No changes since complaint. The servicer for XXXX XXXX  continues to substantiate a debt in a different name obtained by the school fraudulently. They continue to have Equifax report the Debt XXXX XXXX XXXX. Not the correct name XXXX XXXX XXXX. I was approved XXXX XXXX  XXXX. This has caused a poor, disadvantaged family to pay unwarranted sums of money in interest for years. One company I paid to help ripped me off too. CFPD help recover money for me from XXXX XXXX. So this was the root of the Fraud.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX my XXXX XXXXXXXX credit card was closed. Since then this company has reported my card closed and paid for the last 9 months. Now all of a sudden after being reported as closed and paid on time prior to that, it has reported that I have missed payments in XXXX and XXXX of XXXX. There is no reason it has not continued to report as closed or stopped reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : Follow-Up Regarding Unauthorized Inquiries on My Credit Report To Whom It May Concern, I am writing in response to your recent communication regarding my dispute of unauthorized inquiries on my credit report. While I appreciate your explanation that inquiries remain on my report for two years, your response does not address the issue at hand : the verification of permissible purpose for the inquiries I disputed. 

As stated in my original letter, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a consumer report may only be accessed for specific permissible purposes, and such purposes must be documented. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that information found to be inaccurate, incomplete, or unverifiable after a reinvestigation must be promptly deleted. 

I have already contacted the companies responsible for these inquiries, and they have failed to provide written authorization or any documentation demonstrating I initiated or authorized these inquiries. This failure makes the inquiries unverifiable and, therefore, subject to removal under the FCRA. 

To reiterate, the inquiries in question are as follows : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX | Removal Date : XX/XX/XXXX I respectfully request that you provide me with documentation confirming these inquiries were made with permissible purpose. If you are unable to provide such evidence, I ask that these inquiries be removed from my credit report immediately. 

Please provide a written response to this matter, including the results of your reinvestigation, within 30 days as required by law. If no resolution is reached, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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, XXXX {$4600.00} TXXXX XXXX XXXX XXXX XXXX, XXXX {$3500.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$380000.00} XXXX XXXX XXXX. XXXX, XXXX {$3100.00} XXXX XXXX  XXXX XXXX, XXXX {$520.00} XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XX/XX/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 funish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, others than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not funish 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 innacurate.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Vehicle loan or lease

Purchased a car from credit acceptance back in XX/XX/XXXX. At first everything was fine I was paying {$370.00} a month if I couldn't make the payment I did an arrangement online. So skipping to XXXX every since XXXX of XXXX all they do is call and call even after making payments. They called yesterday telling my grandmother that the payment is about to be two months behind which is a lie they constantly harrass for no reason at all telling her lies and threatening to repo the vehicle when it's not even one month behind. I really want to get rid of them I don't want anything to do with that company they need to be closed down they are fraud. Then the world is in a pandemic dealing with Covid-19 and they bothering us for nothing it's bad enough one job laid me off I'm praying that's all that happens as of now. They don't care about the customers at all they should be punished they have done a lot of fraudulent things to people had I known all this I would have never gotten anything from them.
Product: Mortgage

I was on a repayment plan with Ruoff Mortgage. Repayment plan started XX/XX/XXXX and ended XX/XX/XXXX payments were in the amount of {$1000.00} each month. Each payment cleared our bank account : XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX. At this point all repayments are made. I then received a letter dated XX/XX/XXXX stating my loan is delinquent. On XX/XX/XXXX I called XXXX XXXX XXXX was informed my account was 2 months behind. XXXX XXXX I sent an email to XXXX my loan officer asking for help, I included my payment history and proof from bank. This request was forwarded to Ruoffs Service Loan Care Department, I spoke with XXXX at XXXX XXXX XXXX he tried to assist me for almost 6 weeks. He also was unable to obtain assistance from Ruoff Service center - XXXX. XXXX XXXX XXXX. XX/XX/XXXX I called XXXX spoke with XXXX he agreed payments had been made after review of my documentation. He was sending emails to the department that completed my repayment plan and to payment repayment review. I was to receive a follow up call XX/XX/XXXX. As of XX/XX/XXXX I had not received a return call. I have called XX/XX/XXXX spoke with employee # XXXX verified payments made but no changes to account and no new notes on file. XX/XX/XXXX I called spoke with XXXX XXXX no new updates on account. XX/XX/XXXX spoke with XXXX XXXX no new notes on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for an apartment complex and was denied due to a public record associated with my social security number. I was also able to obtain the courthouse name where the alleged judgment came from. The apartment complex also told me to contact CoreLogic about this matter. I immediately called the courthouse ( Justice of the Peace XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) and asked them what credit bureaus they report to and what steps do they take to verify such information. The Court clerk told me that they do not and will never report public records to the credit bureau under any circumstances. Today, XX/XX/2020 I contacted CoreLogic Credo about my credit report. I spoke with a representative named XXXX. I told XXXX my concerns and that I needed to know where they obtained such information and what courthouse it came from. XXXX told me that they obtain this information from the court and I told her that is not true because they told me they never give public records information the credit reporting agencies. I told XXXX that I had been denied for an apartment by CoreLogic because of a judgment but my reports from XX/XX/XXXX XX/XX/XXXX and XXXX XXXX do not show a judgment. I have disputed this item and asked for validation and proof of this information attached to my social security number that CoreLogic is reporting. They have failed to provide me a copy of any viable evidence from the courthouse or the apartments in which the balance is allegedly owed named. I have previously requested their method of verification and they have not complied which is a violation of the Fair Credit Reporting act 611 ( a ) ( 7 ). Please validate this information Justice of the Peace XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the last 6 months while using a debt relief program through XXXX XXXX, we came to a settlement agreement. While I upheld my end of the deal and paid them the amount we agreed upon they are still saying I owe them the remaining balance of the loan and reporting missed payments on my credit report. I have asked them to fix this and they have not responded to my emails. I have filed a dispute through experian and they told them the information they are reporting is accurate. This is dragging my credit score down and I do not know what to do. Anything you can do to help would be appreciated.
Product: Debt collection

i recently checked my credit report and realized there is an outstanding bill for XXXX dollars for this company that i have heard about nor have i ever signed a contract with i have tried numerous to contact them but no answer again i dont know this company i have never signed any agreement with them nor any of there affiliates
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX  XXXX XXXX filed suit against me in XXXX XXXX, OH XXXX XXXX ( Case No. XXXX ) seeking {$4500.00} for allegedly delinquent credit card debt. I filed an Answer denying all claims and raised affirmative defenses. Attorney XXXX XXXX represented XXXX who failed to produce the required documentation to prove its case. With its Complaint, XXXX filed a false affidavit of its North Carolina employee, XXXX XXXX, who was caught giving false affidavit testimony in prior XXXX   collections lawsuits. I requested a jury trial which was scheduled for XX/XX/XXXX. But, on XX/XX/XXXX, XXXX dismissed all claims with prejudice. Because XXXX  never proved its claims before it dismissed the entire action forever, it should have removed the matter from my credit report but it refuses to do so. I filed multiple disputes with credit reporting agencies. XXXX 's attorney, Ms. XXXX, has not acknowledged or responded to my email requests. There is no basis in fact or law for this alleged, completely unsubstantiated debt to remain on my credit reports for 2 years after we litigated this for over 1 year before XXXX dismissed its lawsuit before the scheduled trial.
Product: Credit card or prepaid card

On Monday, XX/XX/2020 at XXXX, I received a text message from American Express `` Serve '' Card advising that my account balance had fallen below {$10.00}. I had not used the card for a few days and was immediately concerned. I called Serve as soon as possible at XXXX that same evening. The representative I spoke with was dismissive and advised that there was a charge pending on my account for my entire account balance of {$100.00} to XXXX of XXXX, NJ. I advised the representative that I had not shopped at XXXX, never been to XXXX, NJ, and that the only card was safely in my possession Virginia with no others authorized to use it. He advised that because the transaction was in a pending status I was required to wait eight days, call back and only then would an investigation be opened. He refused to close the account or take any protective measures to ensure no additional charges would be forced through. 

On Monday, XX/XX/2020 at XXXX ( 8 days later ), I called Serve. The charge had posted and I was finally able to initiate a fraud investigation. I was advised by the representative that it could take between 10 and 30 days to complete. I was told not to call back to inquire, but instead wait for an email determination letter. This representative refused to close the account, but canceled the compromised card to prevent any further charges and issued another card. I advised the representative of the following to include in the fraud investigation : No one I know traveled to XXXX NJ and made purchases as at this XXXX store I have never been to XXXX, NJ or to this XXXX store I have not shopped inside of a XXXX store since XXXX of 2020 All of my approved orders with XXXX are made online and picked up at my local store All of my valid orders with XXXX are made with my business Visa credit card My XXXX  card is only used for fast food purchases, gas, etc. 

After receiving an email from XXXX  on Thursday, XX/XX/2020, advising me that my dispute for the charge in question ( {$100.00} ) was declined ; I contacted XXXX directly. The representative I spoke with reviewed my previous orders with me and was unable to locate any orders for the date or amount in question. She advised that the only way I could have made a purchase at this store is if it was shipped. There is no record of any shipments.