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

On XX/XX/2020 I was checking muy report through XXXX XXXX and I realized that my score went down 51 points. All of the accounts were removed and my mortgage was removed as well. I am very serious about my credit and I have been struggling so hard to get my credit together. I pay my bills on time. This is very annoying during this pandemic. I am having XXXX due to this. I went on back on XXXX XXXX   Saturday XX/XX/2020 and noticed that the some of the information was placed back on my report after I made the phone call to XXXX  on Friday XX/XX/2020. I spoke to XXXX the customer service rep and also XXXX the supervisor which told me there was nothing that could be done and that someone sent in a letter requesting that this information be taken off. I was asked if I had any third party apps and XXXX   stated that they do not report the correct info. I said to them how is that possible. Why would they not report the right info if they are representing your company. She said we sell your nfo to them. I feel that my right s have been violated and I want something done immediately.
Product: Debt collection

About a month ago, I was alerted by my credit monitoring service, XXXX, along with a few others, due to some fraudulent activities and the leaking of my information to the dark web. In response to this, I contacted Credit Collection Services through a dispute on XXXX to inquire about their identity and the specifics of the debt they claimed I owed. Despite my request for information, they failed to reply and subsequently reported a late payment fee on my credit report.
Product: Debt collection

My check has been garnished and debt almost completely paid. XXXX XXXX Was told debt was from an account with Washington mutual bank. That bank closed in 2008. I have no idea what debt is for. I filed bankruptcy in XXXX. Tried to do paperwork to have someone explain to me why I owe this and filed wrong paperwork. Tried to hire an attorney and paid for legal work that has not been done and no refund issued. XXXX $ there. Almost XXXX in XXXX  months over XXXX ... .still no answers.
Product: Credit reporting

Greetings, my name is XXXX XXXX XXXX and my social security number is XXXX. I am frustrated with all XXXX credit bureaus, because I believe my actual credit scores should be higher than they are. In the past, I have paid off several accounts, maintained my credit cards below XXXX %, maintained employment and I am not default on any student loans. In addition, no matter what I do, my credit score still remain below XXXX. I am trying to obtain a business loan for my branding and development company here in the United States. I am an American citizen but I feel I am being treated unfairly, as it relates to my credit scores. Also, all XXXX bureaus have me residing in XXXX at one time and I have never lived in XXXX. 
Please increase my credit scores with all XXXX bureaus above XXXX, so that I can obtain a business loan. And so that I may do my part in helping to keep America strong and great. 

XXXX, XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Debt collection

On XX/XX/XXXX I received a letter from Carter-Young Inc of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX seeking to collect a debt of {$4800.00} When I contacted the agency on XX/XX/XXXX they told me I owed this money for dorm fees from XXXX to XX/XX/XXXX at the University of XXXX XXXX XXXX XXXX XXXX. Which I attended for 1 month in XX/XX/XXXX after which I returned home to XXXX. I paid for my dorm room and with drew from the university after 4 weeks but this company is now claiming I must pay for the room for 5 months total. This seems like they are trying to get extra money from me.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
-- Company or Organization : COLLECTION Date fraud began : XX/XX/ Date that I discovered it:XXXX Total fraudulent amount {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, and invalidated and you responded by stating you were able to verify or validate. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made have failed to provide proof of how those inaccuracies information were verify, what method was used and who verified it? 
you failed to comply and provide those information by law to remove it from my credit file. I urge you to remove this LATE PAYEMENT on my account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once XXXX XXXXXXXX ID # XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX  account # XXXX
Product: Debt collection

On XXXX Calvary llc or a representative showed up to my mother 's residence and disclosed personal information. I am XXXX and she is not a part of my finances in any shape or form. Relayed to her that they are trying to serve me a civil action on behalf of XXXX. This is my so called business and none of hers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts reporting on my consumer report. I have sent a notorized FTC report and valid driver 's license to XXXX, Equifax, and XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX  company has failed to provide a description of procedure in which they use in providing inaccurate information on my report.
Product: Credit reporting or other personal consumer reports

I previously requested a credit report from Equifax, XXXX years prior, and was unsuccessful. I requested my full credit file on XX/XX/2023, via the USPS ( return receipt requested ) and was denied by Equifax, although I sent my own Social Security card and ID copies to them.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked me if I knew that there were a few names on my Equifax credit report while applying for a credit card. I answered that I did, but Equifax had not corrected it. The credit card application through XXXX XXXX XXXX XXXX XXXX was denied on XX/XX/2023. I sent another credit report request on XX/XX/2023 via regular mail via the USPS, following my credit denial at XXXX XXXX XXXX XXXX  XXXX in a vain attempt to see whose information was on my report. 

To my horror, but not to my surprise my single applicant XXXX XXXX XXXX application from XX/XX/2023 was denied, citing, " We are unable to verify the identity of the applicant and/or the co-applicant. '' XXXX XXXX XXXX, according to XXXX and her supervisor, pull consumer loan and credit card reports from Equifax. My year 's long battle with Equifax is causing more unnecessary hardship and denials, as I have no paperwork or IDs to match Equifax 's false information on my reports. 

I attempted one final time on XX/XX/2023 ( Priority Mail ) through the USPS, to secure a copy of my credit report from Equifax to finally see whose names, addresses, dates of birth and all other false information were on my credit report. Despite my submission of my very own documents again, and waiting years, I was denied again. Equifax has violated the Fair Credit Reporting Act more than 7 times, and the Federal Trade Commission policy which prohibits the denial of consumer credit reports when requested. Equifax is continuing to act in bad faith and outside the bounds of established laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was having an issue due to job loss and relocation two state 's away in an attempt to find work. In the process, I fell behind on my car payment. They repossessed the vehicle in XX/XX/XXXX. This account has been sitting there for over 4 years and it was no longer affecting my credit until Equifax, XXXX and XXXX have allowed them to reestablish the date today, bringing it to the forefront again. It now looks like a brand new repossession / failure to pay and has tanked my score. 
I believe that this is clear retaliation on the part of the Big Three to keep consumer credit scores down. I have worked very hard over the past three years to improve my credit rating ; paying all bills, credit card use is at the bare minimum and paid in full monthly. This is affecting my opportunity to have a life! I can not rent anywhere aside from an RV park because the Big Three keep allowing creditors that are at the fall off point to reestablish their date and thereby tanking my score. 
I have written you before with no assistance. Please ensure that the PRIVATE companies that you allow to have so much power over our lives, are in compliance with the LAW!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent inquiries I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Ive been in communications with Experian about inaccurate personal information on my credit report. Even after notifying them many times about this error, they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 My only name is : XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX My only date of birth is : XXXX My only employer is : XXXX  You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Product: Payday loan, title loan, or personal loan

Was last getting paid off then check into saying not been paid after I Paid XXXX XXXX back just for a XXXX loan gotten a XXXX from the place I Paid it off that's yes it's paid In Full ... Believe that why my credit score staying low bc of theses places that Already Paid off ... is Advance America one Gotten Proof I Already Paid in full ... Still trying get proof of a few more ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 State i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

THE XXXX BUREAUS ALLOWED XXXX INQUIIRES WHILE HAVING A FRAUD ALERT ON ACCOUNT. THE PERSON TRIED TO OBTAIN A CAR AND NOBODY NOTIFIED ME OF THESE INQUIRIES
Product: Mortgage

I am submitting this claim requesting review regarding the recent CFPB fine issued to Wells Fargo for its past action of improperly denying mortgage loan modifications, miscalculating fees and other charges, and assessing unwarranted charges and fees. 

I was a Wells Fargo mortgage borrower on my primary residence from XXXX. I had a 1st and 2nd loan with Wells Fargo and tried for several months, calling daily, to have a loan modification approved during the XXXX XXXX I was denied a loan modification and short sold the house which resulted in great financial harm to myself for years to follow. I believed I am directly affected. 

Over the past 10 days I have reached out to Wells Fargo directly and was told all those affected have been or will be contacted. However, upon further question and answering with XXXX at Wells Fargo ( XXXX ) XXXX ext. XXXX I was told my specific account has been purged and the burden of proof lies upon me. 

How could I possibly be contacted as an affected consumer when my account has been purged? Who would review my account? How many other affected consumers are being denied proper review and justice? 

I am requesting the CFPB to look into my specific account and all others whose accounts have been purged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed an authorized user tradeline from my credit report when it wasnt supposed to be removed & it dropped my credit score XXXX points. If this isnt fixed, I will be contacting my attorney because it shouldve never been touched. I have worked to get my credit score up & dont need sudden drops in my score especially when Im trying to buy a house in the next few months
Product: Student loan

I have been reaching out to Navient for almost 10 years asking for some sort of relief. All they have done is place me into interest only payments after I no longer qualified for forbearance. My private loans pertained to XXXX University which was closed for predatory practices. My Federal students loans have been discharged for predatory practices ; but Navient keeps saying that my private loans do not qualify for this program. When in fact they qualify under the Holder Rule. 

Over the last 10 yrs I have paid over $ XXXX in interest only payment and currently owe $ XXXX with no relief in site. Why do the private loans not qualify when Navient has done everything they can to prevent me from being able to pay these loans off. 

I have asked how I can get the co-signer off, that was a lie because they keep telling me I can not. Yet, when my cosigners signed for me they said after XXXX consecutive years of making payments I can remove them. 

Right now they currently have my payment at {$640.00} a month, for just interest. Regular payments would be almost XXXX. I can not purchase a home and i struggle to make the income only payment for a degree that does not mean anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing because my credit score with TransUnion was dropped by XXXX pts and I didn't see any reason. I don't have any new debt, any hard inquiries, I'm not using more than 30 % of my credit card. So I want to know the reason to that big change.
Product: Credit reporting or other personal consumer reports

To whom it may concern, A legal notice was filed in probate court in XX/XX/XXXX regarding me and any anyone that's causes harm to my person. See Attached. This constructive notice does not require service. On XX/XX/XXXX a dispute was initiated regarding a XXXX XXXX accuracy filed on my report. Within less than 24 hours your company determined the account was verified as accurate. See Attached This is not a reasonable investigation at minimum. 

Under 15 USC 1681b Permissible Purposes of a consumer report ( a ) General - Subject to subsection ( a ) any consumer reporting agency may furnish under the following circumstances and no other ( 2 ) In accordance with written instructions of the consumer to whom it relates. Did I give written instructions to furnish this on my report? Furthermore, The Fair Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 ) .Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions -Except as provides in paragraph ( 3 ) the term " consumer report '' does not include ( A ) subject to 1681s-3 of this title any- ( i ) report containing information solely as to the transactions or experiences between consumer and the person making the report. I have enclosed communication from the Bankruptcy Court whom does not communicate with credit bureaus. See Attached Please be advised outside of these violations your company will be held liable for trespass on person where damages will exceed the {$1000.00} per violation allowed.
Product: Mortgage

I have Mr Cooper and they just charged me with lapse in insurance after they refused to accept my new issurance and failed to tell me that. I thought I had the insurance paid and they sent the payment to the old insurance company knowing I was switching. They claimed they didn't get the notice from myself OR the cancelation from XXXX. They asked that is be faxed to them in XX/XX/XXXX when I called them. They failed to put this oversight in the system the fist time and now a year later it is corrected as though they had it thus whole time. That is the convience of working there and aand being able to back date. Things. Thank XXXX nothing happened to where I needed to file a claim but that could have been a disaster. Mr Cooper was negligent and when I called and asked what was the letters for I told them I had insurance. They canceled the letters. Now when I went to renew I find out it was NEVER in effect. Now Mr Cooper is blame but I blame them too. I thought it was worked out since the time passed and they would take some responsibility with me but then it was corrected and placed back. Now my house payment is over {$2500.00} and i I OWE $ XXXX in insurance.. How is that taking responsibility? This is unfair practice. They are not taking any responsibility here. They should not handle veteran accounts as they put us in hardship. Mr. Cooper paid my old insurance company even after being notified they were no longer my insurance. They then denied the new insurance company, and failed to notify me of the denial. They will not take responsibility. They have the option to do nothing, pay the insurance coverage, cease the house, or cancel the loan. They choose to only do the lacks coverage instead of doing nothing, and refuse to take responsibility. They notified me this year when I have been disputing for years. The insurance could have been rectified long before now. They were notified by me a well as the insurance company, and chose to do nothing. I'm paying a hefty price, and they continue to do nothing. I am now getting a bill for {$5000.00} for a lap in insurance that Mr. Cooper caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter to transunion received XX/XX/21 regarding bankruptcy on my file and TU replied XX/XX/21 bankruptcy was accurate. So on XX/XX/21 I sent request for the method of verification for a bankruptcy showing on my file and and replied on XX/XX/21 file # XXXX that it was verified by data furnisher which is XXXX XXXX. Went directly to XXXXXXXX to investigate and on XX/XX/21 XXXX couldn't verify the bankruptcy and deleted from there file. On XX/XX/21 sent infomation to transunion that there is no bankruptcy on my XXXX file that you must delete this information because its unverified. Sent letter from XXXX to confirm deleted information from there file, and on XX/XX/21 transunion sent letter with file # XXXX that information was verified as accurate. How after XX/XX/21 can transunion verify something that is not on XXXX file as accurate? Either they lied or never sent information to XXXX  for verification.
Product: Credit reporting 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. 

Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.