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

I had an XXXXXXXX XXXX XXXXXXXX card added to my credit report which was done falsely. XXXXXXXX XXXX  took me to court and failed to prove the account was mine in front of a judge so the case was dismissed ( court documents attached ). I have repeatedly asked for the account to be removed from my credit files, XXXX, Equifax and XXXX and XXXXXXXX XXXX has not completed this request. I spoke to XXXX in Fraud Investigations on XX/XX/XXXX and again two weeks later and he shared the account was already marked as closed and was marked to have it removed from my credit files back in XXXX. The investigation XXXX did showed that it was not my account. Yet the account still remains and they refuse to remove it from my credit files.
Product: Mortgage

To Loan Stream XXXX, I am requesting information on my loan status, I have signed loan docs, deposited all monies needed to close my escrow. I understand with loan connection there needs to be a correction to my debt ratio from the previous home loan I applied for. I have also provided proof of assets to close the transaction. 
I spoke with HUD on XXXX and they advised me the current DE underwriter with loan stream is the only person that can update the loan connection regarding my debt ratio to reflect my current debt ratio to purchase XXXX XXXX XXXX XXXX unit XXXX XXXX  XXXX ca XXXX. 
I have completed all paperwork necessary with the Loan Broker  XXXX XXXX at XXXX XXXX and meet Hud guidelines to purchase this home. 
I would appreciate your immediate attention to resolve this issue so I can purchase my home for myself and my family. I understand that the loan was moved to another level in Loan Stream, I really need to know the decision, So I can move fonvard with my financial plans ' Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX -- -- - Forwarded Message -- -- - From : DoNotReplyFHA XXXX To : XXXX XXXX XXXX Sent : Thursday, XX/XX/2020, XXXX XXXX  XXXX Subject : credit alert sanction Hi XXXX XXXX XXXX XXXX XXXX, you must address your concerns and/or questions to your Lender XXXX XXXX  Underwriter for guidance and interpretation of guidelines. The XXXX underwriter is empowered with the delegated authority and responsibility of reviewing the file in total and rendering the appropriate decision based on HB 4000.1 and/or any other relevant guidance.
Product: Student loan

Over the past six years, I have been serving in the XXXX XXXX. Prior to enlisting, I attended XXXX, where I paid for my schooling by taking out student loans. My father had lost his job during XXXX and was XXXX. I could n't believe how easy and quick it was to get a check in the mail from Navient ( XXXX XXXX ). Literally, a six-minute application and a week later, I had instant money. No questions asked. Even though I had no credit history, no employment, and most of the time, no co-signer, Navient threw money at me. I now know this is immoral and predatory. I saw XXXX XXXX as a means of comfort, knowing that I could focus on my education, and even help out my parents at times. I had no idea what I was getting into long term. 

Since joining the XXXX, I have made great headway by saving and paying off large loans, reducing my interest rates with SCRA, and living on a very tight budget. When I got married two years ago, those attempts were compounded, and as a family, we saved and paid off even more debt. To date, we have paid off over {$60000.00} of my original debts. 

My wife 's name is XXXX. XXXX XXXX. She has worked very hard all of her life to become XXXX. She even earned a XXXX at XXXX XXXX. Her first job in our marriage was with a XXXX that we both found XXXX, she also was paid a healthy salary of $ XXXX/year. 

However, due to the uncertainty of our upcoming military move ( XXXX ) and an unforeseen reassignment due to my wife 's medical condition, my wife sacrificed her dream job to follow me. She has since been rehired as a XXXX for XXXX XXXX, dealing with XXXX on a daily basis. Her new salary is less than half of what she originally made. However, this job will end with our XXXX to XXXX XXXX, TX in XXXX 2016. Leaving her with no employment openings or opportunities in her field of expertise. 

XXXX. 

XXXX months after arriving at XXXX XXXX, our current student debt payment ( $ XXXX/month interest-only payments ), will skyrocket to over $ XXXX/month when the interest-only payment schedule ends. Due to my wife 's salary reduction, we have not been able to pay off as much as originally planned. This jump in payment will put us in severe financial hardship. Even if XXXX is able to secure a low-paying job, we will not be able to pay our bills. 

I am asking for help. Please help my marriage and my family. I am very afraid that if our current situation continues any longer, my marriage may fall apart. I want to serve our country as well as my wife, but this financial situation makes it impossible. I also want to know what my rights are as a U.S. Serviceman, to help stand up against this student loan corporation. With part of our financial burden alleviated, I have no doubt that our health will improve, our marriage will strengthen, hope will return to our lives, and I can carry on with the mission. Navient has been uncooperative, I have exhausted my XXXX resources, and I do n't know where to turn. Please help save our family. Thank you for your time and consideration
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I pulled my consumer reports and found that Equifax is not following ALL the proper procedures to make sure that the information contained within my report is 100 % accurate. They are required by the FCRA to provide me as a consumer with the " creditor 's '' FULL information so that I may reach out to them shall I need to file a dispute. Well, upon checking... there is an account negatively reporting on my Equifax report that I have never heard of and Equifax does not even have this company 's information on the report for me to reach out to them. This is a VIOLATION. The company name is listed under XXXX.XXXX  account # XXXX.
Product: Debt collection

XXXX and XXXX At Zions bank took {$4400.00} out of my cash reserve with out notice, they said they were ordered to take it out, I told them I did n't owe anyone money and maybe they were looking for somebody else after they reviewed the collection they saw that it was not my debt and they told me they where going to charge it off and not to worry about it years later XXXX and XXXX have been calling and and harassing me to pay it saying I owe him {$8000.00} this is not my debt they stole money from me I want them to correct the situation and give me {$10000.00} for harassing me for the last XXXX years I want him to take it off my credit as well this is not my Debt have them Prove that it was me they where after for the collection of the Debt and that it was me they where ordered too take money from and you 'll see that this was not my debt XXXX just did the same to their costumers as well
Product: Debt collection

settled and continued payments with the court but this company keeps sending me letters about default, harrassment and rude when I call them.
Product: Credit reporting or other personal consumer reports

I am writing AGAIN to formally request assistance and a reinvestigation of the XXXX XXXX bankruptcy currently listed on my credit report. Despite multiple attempts to resolve this issue through more than 12 phone calls, online disputes, and certified letters, this erroneous information remains on my file. This situation has caused me significant distress and frustration. 

I am an educated consumer and under the Fair Credit Reporting Act ( FCRA ) and the regulations of the Consumer Financial Protection Bureau ( CFPB ), I am entitled to a credit report that is both accurate and private. Specifically, under 15 U.S.C. 1681i, Experian is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, 15 U.S.C. 1681e ( b ) mandates that Experian must follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. 

Experian sent a computer generated communication indicating that " the company that reported the information has 'certified ' to Experian that the information is accurate '' is not truthful nor accurate. What does certified means because as I understand FCRA and CFPB, laws and regulations, I am entitled to a verified written process that clearly details how the information on my credit report was verified as accurate. NO PROOF OF PROCESS HAS BEEN PROVIDED TO ME, only computer-generated letters. 

The XXXX XXXX  bankruptcy information on my report has not been verified by the US Bankruptcy Court of XXXX Wisconsin, nor do they ever validate confidential and personal information. Enclosed, please find documentation supporting this claim. It is imperative that this inaccurate information, along with all associated accounts, be removed immediately from my credit report. 

Experian needs to provide me with copies of all documentation associated with this PUBLC RECORD ACCOUNT bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the laws and guidelines, all the information listed under PUBLIC RECORDS needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the FAIR CREDIT REPORTING ACT 623 ( a ) ( 3 ). 

This continued inaccuracy is unacceptable, and I am prepared to escalate this matter. If all accounts tied to the XXXX XXXX bankruptcy and any related information are not expeditiously removed from my credit file, I will have no choice but to consider litigation. I seek prompt and complete removal of this erroneous information to rectify this issue and prevent further harm to my credit standing. 

Please provide written confirmation once the deletions have been completed.
Product: Debt collection

I was contacted about debt owed XXXX XXXX, asked to get a move out statement from the apartment since I never received it. They sent it to me, and I told them I disagreed with the statement and that I would dispute it with the apartment. This was on XX/XX/XXXX and I heard nothing back. They then put out collections on my credit report. I emailed them again about this on XX/XX/XXXX. No response. I am very frustrated, have had nothing but trouble with this company, and they have been unethical and rude. I never got the chance to dispute the debt, nor was I informed that I was able to, and then hit with a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX All these accounts above have violated my rights. 
15 U.S. Code 1681 section 602 A. states that I have a right to privacy.

15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code 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

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Accounts # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this because Sallie Mae has wrongfully added a 60 day late notice on my credit reports in XX/XX/XXXX. Allow me to explain. 

I filed for a chapter XXXX bankruptcy on XX/XX/XXXX and the Bankruptcy Court initiated an automatic stay. Sallie Mae sent me my last statement on XX/XX/XXXX, and they deactivated my online account access once they received the automatic stay notice. The bankruptcy discharged on XX/XX/XXXX. Sallie Mae then sent me a letter on XX/XX/XXXX, notifying me that they noticed that the bankruptcy case was concluded and that they will be sending me correspondence relating to my loan and that they restored my online access. They then sent me my next statement on XX/XX/XXXX, and I proceeded to pay them. Now I check my credit report and it shows a 60 day late status on XX/XX/XXXX, which is between the time that the bankruptcy case was active, I received no bill for, and my online Sallie Mae account was deactivated. 

I have disputed this with the three major credit bureaus, of which I have only heard back from XXXX so far. The results of the dispute says " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I feel that Sallie Mae didn't even look at the facts I presented. I am trying to rebuild my credit after a bankruptcy and I do not need a recent 60 day late status showing on my credit reports. Please help me to correct this inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX. 
XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX. XXXX and XXXX XXXX. XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB- XX/XX/XXXX SSN- XXXX XXXX, Transunion, and XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
The following items must be blocked, removed and permanently deleted from my credit profile. 
XXXX account ending in ( XXXX ) Open Date- XX/XX/XXXX Balance- {$24000.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Which states FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Police Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within five business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8700.00}
Product: Payday loan, title loan, personal loan, or advance loan

Sofi denies me of a loan for the following reasons, every single one is incorrect on my credit report : 1. Limited credit experience - I have XXXX years of credit experience 2. Too few accounts currently paid as agreed- I have never been delinquent on any loan 3. Lack of recent installment loan information - I don't even know what that means ( and neither did customer service ) 4. Ratio of balance to limit on bank revolving or other rev accounts too high - my ratio is 13 %, which is excellent 5. Length of time accounts have been established - 15.5 years, as mentioned.

I believe Sofi is denying me a loan because they had extended a loan to me 2.5 years ago and I paid the loan in full very fast, so they were not able to make enough money on interest. 
I am attaching their declination letter, and my credit report, which is dated today ( XX/XX/XXXX ). Every single reason for declination is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account 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
Product: Checking or savings account

Citi bank closed my account around first week of XXXX i had a balance of over {$8400.00} in it, i called, and they said they would send me a check or refund the last wire transfer that came in .. i agreed to that but i told them, {$6000.00} is my savings, that is my personal money so whichever refunds or returns you are doing, let it not involve the {$6000.00} because no one sent it to me. i saved it there over time. 
the statement i received, didnt include where my {$6000.00} went. it just showed account closed at {$0.00} as final balance