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

I am submitting a complaint regarding Experians failure to verify the debt or correct the many errors on my credit report. This is unacceptable. I initially disputed these items over 100 days ago with a letter sent on XX/XX/year>, and I have sent additional letters since then with all required identification and address documentation included each time : photo ID, Social Security card, and a utility bill. Despite providing ample information for verification, Experian sent me a stall letter stating they didn't think the letters were from me. I responded to let them know the letters were from me however they ignored my request. They still have not verified or updated the errors, nor have they deleted any incorrect information as required by law. The Fair Credit Reporting Act mandates that, in cases where documentation is provided, unverified items must be corrected or deleted. At this point, Experians failure to act violates these protections, and I am left with errors that negatively impact my credit profile. 

Below are the specific accounts and errors that remain unaddressed : XXXX XXXX - XXXX : Unverified, incorrect last activity date, incorrect payment history. UPDATE TO NEVER LATE. 
XXXX - XXXX : Unverified, high balance and credit limit incorrect, date of last payment incorrect. UPDATE TO NEVER LATE. 
XXXX - XXXX : Unverified, incorrect high balance, last reported date incorrect, incorrect payment history. UPDATE TO NEVER LATE. XXXX  XXXX - XXXX : Unverified, incorrect high balance, incorrect date of last payment. UPDATE TO NEVER LATE. 
XXXX - XXXX : Unverified, incorrect high balance, date of last payment incorrect, incorrect payment history. PLEASE DELETE. 
XXXX  - multiple accounts : Unverified, incorrect payment history. UPDATE TO NEVER LATE. 

I am attaching the 6 letters that have been sent to them, which included my identification each time. I am also uploading proof of my identity for the sake of this complaint.
Product: Student loan

From the moment I went into loan repayment, I engaged Nelnet to find the most affordable option available for me. They put me on the lowest payment option ( not a federal program ) that extends the life of the loan and accrues the largest amount of interest. This option was absolutely in their interest, and did nothing to help me pay off my debt. I began to do research and asked to apply for one of the income-based repayment plans that are laid out on federal student loan website. They first told me that I did not qualify for any of them. 

This was incorrect ; I qualify for the REPAYE program. I 'm not certain, but assuming that they should understand these programs better than me, it was dishonest at best, and a lie at worst. It took me months to argue for moving my loan onto an income-based repayment plan. I engaged, and re-engaged for months, to only finally be placed on REPAYE this month ( XXXX 2016 ).
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from, my credit reports. List all those negative accounts from your XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased an automobile through XXXX in the year XXXX. The lease agreement term listed was 3 years ending in XX/XX/XXXX. I had reached out to XXXX to discuss the Account status on my credit report as lease terminated balance owing, However the account had been re-aged to show activity as recent as XXXX XXXX is a violation of the Fair Credit Reporting act. I was then transferred to a debt collection agency by the name of XXXX XXXX XXXX without being given any information from XXXX. Upon the transfer I was told by XXXX XXXX XXXX that I am not listed as a person to speak to which is odd considering i am the co-lease on the joint account. I was told this by the debt collection agency which is a violation of the Fair debt collection Practice ACT. I was not properly informed due to the fact that I am not even listed as a person to validate the debt with.
Product: Checking or savings account

For one, back in XXXX my car got broken into and I file a police report and sent it to chase, they overcharged my account XXXX. I was working and they was taking my work checks until I had the job stop them from depositing my funds into that account. I talked to one of the representative, and she basically called me a liar and said that it was me that rented a car which I already have a car so why would I rent a car? Even with the police report, they claim and fraud department said that I was the one who made the purchase of the vehicle which it wasnt me and I had a police report so it was XXXX profiling then, recently I had a settlement and one of the guys who work there doesnt work at the place no more and take the money and ran with the money. I told the bank about it, but I never made a claim. My boyfriend sent me {$500.00} to feed my kids for the rest of the couple of weeks and when I went to go get a hotel room and go to the grocery from the store my car was declined so when I talk to him, they said that my car was frozen and they couldnt even give me an explanation why it was frozen which once again racially profile because the money on the card was sent to me so why is my car frozen? They gave me an email and I emailed them Thursday Friday Saturday, Monday, Tuesday and Wednesday and still nothing has been sent to my email on the reason why my phones can not be released to me again racially profile. I need my account unfrozen so I can take the money off the account so that I can feed. My kids is cold outside and I have a XXXX month old.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently.My funds are stuck in paypal, My email linked to my PayPal is " XXXX ''
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX - {$8600.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 XXXX XXXX, AR XXXX ; XXXX XXXX XXXX # XXXXXXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2200.00} ; XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX  Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

I got loans in XXXX through Sallie Mae XXXX I graduated XXXX in XXXX with a BA degree. Navient acquired the loans in XXXX. In XXXX the loan balance was $ XXXX. I've made payments as best I can for 20+ years. I've paid $ XXXX over the life of these loans and the balance today is STILL $ XXXX. I have tried to negotiate a payoff amount or designate more of my payments to go to the Principal instead of Interest so I could lower the Principal amount ( and therefore interest ). The only thing Navitent is willing to do is multiple forbearances or income based repayment.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was hit by an ATM scam at XXXX XXXX XXXXXXXX. Someone looked like they were in a bad situation and made me cash a fake check to send them the amount. 
I noticed this before sending them the funds and reported to XXXX XXXX  XXXX that the check may have been fake, which it was. No money was spent. 
But there has been a block on my account since then, even though the agent said I would be fine. I can not open an account anywhere now and I really need to for work. Please help. 

I called XXXX XXXX XXXXXXXX today and they told me to take it up with ChexSystems. But ChexSystems said take it up with XXXX XXXX XXXXXXXX. I'm at a loss.
Product: Mortgage

XX/XX/2018 I engaged in a consumer credit transaction. With Pulte for an alleged mortgage loan. As a consumer this was a violation of my rights and fraudulent on Pulte behalf due to them not being able to loan money and only borrow pursuant to 12 USC 1431. Pulte required finance charges in said alleged loan that did not include insurance premiums and still required a cash payment at closing which violates 15 USC 1605. Beginning XX/XX/2018 I began receiving notices from XXXX XXXX stating my alleged mortgage had been sold by Pulte. I had not consented to my information being transferred and this is a violation of my rights and identity theft on their behalf.
Product: Debt collection

On XX/XX/XXXX I submitted a dispute with this creditor that listed a collections on my credit report. This is related to a medical bill, I did not receive any response in regards to my request for supporting documentation, In relation to my medical bill with the original creditor, this has been paid off by my insuarance. 

Per my insurance : Medical Claim # XXXX Dateofservice : XX/XX/year> DateReceived : XX/XX/year> Physician services provided for an emergency room ( er ) visit, including medical decisions, evaluation and care. 
Claim Codes : We have received additional information. Your claim has been reprocessed based on this information and the benefits available under your plan. ( QG )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this XXXX round CFPB to complaint of the same thing over and over again. I am submitting this CFPB Complaint as a response to the Credit Bureaus recent investigation on my Credit File. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking you for more information regarding these particular items in question. I took the liberty to investigate my own Credit file and took note of two things : 1 ) the Credit Bureaus still report the disputed accounts as late despite the fact that I never missed a single payment ; and 2 ) there are accounts that are reporting on some Credit Bureau that have already been updated or was never late in the other credit Bureaus. The Credit Bureaus are not reporting accurate information on my Credit File, which is a clear violation of a consumer 's rights under the Fair Credit reporting act. I am now requesting once again to please investigate the following accounts and correct the information they report on my Credit File : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened XX/XX/2021 Balance : {$680.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, 2021 Balance : {$2100.00} XXXX  XXXX XXXX XXXX Opened XXXX XXXX, 2021 Balance {$720.00}
Product: Credit reporting or other personal consumer reports

Refer to the documents attached to this complaint. These disputes were mailed over 60 days ago with absolutely no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that XXXX, XXXX, and Transunion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX, XXXX, or Transunion written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, XXXX, and Transunion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If XXXX, XXXX, or Transunion wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of Ed/Aidvantage is reporting on my CR and have also included late payments that are not correct. Per the latest case Sweet v. Cardona. The XXXX XXXX XXXX University is on the list of schools in connection. Also Dept of Ed/Aidvantage does not hold a contract with myself and them. There was no written request for me to provide any permission to have this information reported on any Credit Reporting Agency.
Product: Credit card or prepaid card

I signed up for a 12 mo no interest promotion at XXXX furniture. The purchase was made XXXX. The First payment was made in XXXX of XXXX. On the last statment they changed the due date from XXXX to XXXX and stated that that was the end of the XXXX mo period. I had set up payment to be on the XXXX of each month for the previouos XXXX. When i got the last statment I noticed a red box stating the last payment was due on XXXX/XXXX/XXXX. I decided to cancel my recurring monthly payment from my online bill pay at my bank and tried to set up a one time last payment and something went wrong. They never recieved my last payment and ended up charging me full interest. I should have just left it alone. However, I tried to do the right thing, made the change and it back fired on me. I do not think it is fair for the company to change the due date of the last payment. Regardless of when my purchase was made. I belive they new this would happen and they have measures in place to force people to still pay interest. Feels like very unfair business practice. They do not have this language in place anywhere in their statements or contracts. IF it is there it is confusing. If they want payment in exactly 12 mo they should set the due date same as the purchase date. I feel the interest charge should be removed.
Product: Credit reporting or other personal consumer reports

Experian and XXXX has debt collectors on my credit report that aren't supposed to be there including charged off accounts they are supposed to remove which is bringing my credit score down severely they have had multiple data breach 's and still don't accurately look into this information as these debts are often times from cities and states I've never been to or was associated with
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XX/XX/XXXX, I XXXX XXXX. XXXX sent XXXX detailed dispute letter ( s ) referencing the inaccuracies listed on my credit report. 

The report detailed inaccuracies in items reporting negatively that should not be, Collections that are not related to me, and unknown inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been submitting false information about one or two cooperative loan accounts depicting that I am late now 120 days. Both these accounts have been paid off in XXXX and XX/XX/XXXX in full. XXXX has a dispute that they believe I owe them money because they paid money to the cooperative that I factually informed them that I did not owe, and the money they paid them the payment states for hazard insurance in XXXX. I informed them in XX/XX/XXXX that I did not owe the cooperative any money, and XXXX stated in XX/XX/XXXX that they would not get ( see  attachment ) involved with any dispute between myself and the cooperative as the money alleged by the cooperative to be owing at the time was more than what was owed to XXXX. Furthermore one of  the loans was paid off in XXXX ( see XXXX XXXX issued by XXXX -attachment ). Furthermore, I continued to pay both loans ( which is not clear which one if not both are on the credit report as one is depicted as current but still open and the other one is depicted as 120 days late with the same account number Account # XXXX ) The account with the XX/XX/XXXX open date is the one depicted as late ( Original Balance {$14000.00} with a Balance {$50000.00} ) however both should be closed. I never entered into an agreement to extend additional credit beyond the {$14000.00} owed on the original loan and XXXX has no right to extend such or charge such additional money to the account. I never received notification for what the {$50000.00} is for either. They further have changed my address to a XXXX address which is in fact the address of their attorneys XXXX XXXX further deteriorating my credit. Based upon information and belief it is also where they have been sending all my correspondence, as I have received no correspondence from them since XX/XX/XXXX. Furthermore all payments to both accounts were made monthly with one check and there can be no way that payments were not applied to both accounts simultaneously other than that XXXX has been splitting up my payments and giving them to XXXX XXXX bank which has no authority to receive or accept my payments. See attachments of checks negotiated by XXXX XXXX but sent to XXXX. I already checked with XXXX and they stated that XXXX XXXX is not the owner of the loan as they initially stated but rather that XXXX XXXX actually is pursuant to a service agreement ( which I never have seen )