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

I have been dealing with this company since XX/XX/year>, I have sent several letters of dispute, the only thing that I receive from them is letters of not being able to find my file and need proof of my drivers license and utility bill ; which I have sent with ALL MY ORIGINAL LETTERS OF DISPUTE. The have claimed in me calling that they were not legible, which I find to not be true seeing as I checked legibility every time I have sent the " original '' letters of dispute. 

I received notification from XXXX XXXX stating there had been accounts that were added as well as accounts that were deleted from my report. When looking into it, they have taken things off, and then put them back on!!!! What is going on Equifax??!! 

They closed out my complaint with CFPB on XXXX, stating that I would find a summary of what they did, as well as I would receive an UPDATED credit report that shows what they did. HOWEVER, to date, I have received NOTHING from them. 

I am truly starting to thing that this is some sort of retaliation for putting in a complaint with CFPB. 

In this complaint, I am enclosing ..... 

1. An updated letter of dispute 2. Various letters asking for proof of my identity 3. A copy of my Driver 's License ( CFPB cant see it is legible ) 4. A copy of my utility bill ( CFPB can see this is legible as well ) 5. XXXX XXXX report reflecting the changes 6. An updated credit report from annual credit report I would like to request the following information for all debt disputes : 1. The name and address of the original creditor, 2. The original date of delinquency and the amount owed, 3. A copy of the original contract or other documents bearing my signature.
Product: Debt collection

Ive had repeated phone calls one after another including the company contacting my significant other NOT MARRIED and left him a voicemail stating they were a debt collector, which I know is illegal.
Product: Mortgage

In XXXX 2015 my wife and I closed on a new home. We received a mortgage through XXXX XXXX, which was serviced by LoanCare. In XXXX it came to our attention that we had not received any form of mail, phone call or email from XXXX XXXX or LoanCare. No statements or anything relating to our mortgage. 

We spoke with a lady at XXXX XXXX and she told us that our mortgage was 30 days past due and that another payment was due at that time. I explained that we never received any sort of statement, email or phone call telling us that our payment was due. She directed me to LoanCare, so I called them. 

The LoanCare representative insisted that we had in fact been receiving statements, past due notices, phone calls and emails warning us of the situation ( he was was quite rude and not interested in hearing that this was indeed not the case ). Of course I immediately made the payments but was told that my credit report now reflected a 30-day late payment. I asked the rep to tell me what phone numbers he had on my file and he read them to me. Neither of the numbers were ours, and XXXX was a toll-free number. The email address was correct, although I had never received anything from them via email. He offered no apology but said he would change the phone numbers. 

We went back to our email to see if we somehow missed a notification telling us payments were due. Nothing. In fact, the first contact I had from LoanCare via email was in XXXX after I decided to register with their website. 

Then in XXXX we finally received a piece of mail from LoanCare containing a statement with a due date of XXXX XXXX, with a note attached reading : " Please find enclosed your XXXX statement. This statement was scheduled to be mailed in XXXX, but the mailing was unfortunately delayed as a result of a programming error with the print vendor. We sincerely apologize for the delay in mailing this notice ... '' Obviously the ball was dropped on their end from the start and they are unwilling to acknowledge it. We still have not received a statement for XXXX, which is the payment they reported as 30 days late. 

We have been insisting that the blemish to our credit report be removed yet after repeated attempts LoanCare refuses. We have provided them with the evidence that the error is theirs but they do not seem to care. 

I have all of the documentation to back the statements I 've made above. Hopefully this process will result in a correction to our credit report. 

Thanks in advance.
Product: Credit reporting or other personal consumer reports

I have identified discrepancies and hard inquires which are not accepted or approved by me, that need to be corrected immediately. 
Details of Disputed Inquiries : XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX. XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XXXX XX/XX/year> EQUIFAX XXXX. XX/XX/year> EQUIFAX XXXX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX XXXX XX/XX/year> EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 

XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX NA XX/XX/XXXX - EXPERIAN XXXX XX/XX/XXXX. - EXPERIAN XXXX XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX  XX/XX/XXXX - EXPERIAN XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XXXXXX/XX/XXXX - EXPERIAN XXXX XXXX XXXXXX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX XXXX  - EXPERIAN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX - EXPERIAN On XX/XX/XXXX XXXX reached out to have these inquiries investigated and nothing has been done about it
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received letter from XXXX  XXXX XXXX and noticed bill for transactions that I did not make. I did not have my card in my possession and did not authorize anyone to use my card. Last time I had my card in my possession on XX/XX/XXXX, I suspect my card was stolen on XXXX XXXX card was used for several fraudulent charges since XX/XX/XXXX for a total amount of {$570.00}. After account closure I was not provided with Bank Statements and had no chance to properly address this issue. Several times I filed dispute with XXXX  XXXX XXXX, XXXX, Equifax and XXXX. Non of them helped to resolve this issue and correct my credit report information. I am the victim of fraud and Identity theft, but also I am victim of negligent attitude to consumers, er from XXXX  XXXX XXXX, XXXX, Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of two accounts with negative history appearing on my credit today XX/XX/2020 ; I found out that these accounts were on my credit because I went to refinance my car and I was told I did not qualify to refinance due to having negative accounts on my credit report. I was confused because I have always made sure to make my payments on time for any loan or credit card. I looked through my credit report and there was an account from XXXX XXXX XXXX XXXX XXXX with negative payment history. Neither of those accounts is mine nor did I allow anyone to open them in my name. I did not benefit anything from those accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards either of those accounts. I am not affiliated with either of the companies listed above and I never allowed them to run or access my credit. I have filed a complaint with the consumer financial protection bureau regarding these unauthorized accounts.
Product: Debt collection

On XX/XX/XXXX XXXX I received a negative mark on my credit report showing derogatory so I called and had them close the account requested for the original information such as my signature my correct address and social they used in this situation also a certified letter showing I owed open this account and I was responsible which I wasnt being I had no knowledge of the account they closed but never provided any proof of how they made the decision
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' The consumer reporting agencies and I XXXX XXXX ( a living person ) the XXXX. I have the right to make sure my private information is not shared which is on your website backed by 15 USC 6801 states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies do not have my consent to furnish this information, I XXXX XXXX did not give written consent. 
Any and all consent to credit reporting agencies, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Credit reporting agencies are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Second Dispute Regarding Account Reporting Errors for XXXX XXXX  XXXX  Account ( # XXXX ) Dear CFPB, I am writing to follow up on a previous dispute regarding the inaccurate reporting of late payments on my XXXX XXXX XXXX account. While XXXX and XXXX have updated my account to reflect accurate payment information and removed the late payments following their investigations, Equifax has yet to make these corrections. 
I respectfully request a detailed description of the investigation process your agency followed regarding this account, as required by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i ( 7 ). Credit reporting agencies are obligated to provide this description within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I noticed that this account continues to inaccurately report late payments on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX To the best of my knowledge and records, I have consistently paid this account on time, as evidenced by the payment history provided by XXXX and XXXX. I have attached copies of these credit reports for your review.

Additionally, pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must contain accurate information and should not include incorrect payment history data. The inaccurate late payments are negatively affecting my creditworthiness, and I request an immediate investigation and correction of these discrepancies. 
To aid in your investigation, here are the details of the account as reported by Equifax : Account Number : XXXX High Balance : {$15000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : Paid Account Status : Open Payment Status : Current Two-Year Payment History : Reflects late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I kindly request that you provide a detailed explanation of the reasonable procedures you have followed under 15 USC 1666 ( b ) to ensure accuracy, as well as any verifiable proof of these late payments. This proof should include dates, amounts, and relevant communications indicating that these payments were made late.

If Equifax can not verify the accuracy of these late payments, I expect the account to be updated to reflect the correct status of " Paid As Agreed, Never Late '' immediately. Please ensure that these corrections are made and provide a written confirmation of the updates.

Your prompt attention to this matter is crucial, as the FCRA requires a timely investigation and resolution within 30 days of receiving this letter. Failure to do so will be considered a violation of the FCRA, and I will be forced to escalate this matter further. 
Thank you for your understanding and cooperation. I look forward to receiving your response and a resolution to this dispute within the legally mandated timeframe. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

XXXX XXXX called aidvantage. Was told combo plan was best option and i gave the woman on phone all my info so she could process this. She said my payment would go from XXXX to XXXX per month. My XXXX  loan was ineligible for save so it would remain ibr. All other loans would be save plan XXXX XXXX got an email from aidvantage my monthly plan would be XXXX. Called and spoke to someone at aidvantage. Gave her my info again. She told me it would be XXXX month XXXX XXXX again i get an email saying my monthly payment is XXXX. I go on student aid .gov and fill out another application. This time i get it in writing and take screen shots that best plan is combo plan- save and ibr . I call and speak with rep. Initially she tells me yes its XXXX, they have no record of my combo plan- but then she gets on phone with her supervisor who says it shows XXXX in one location but they assure me on their side its XXXX /month. My XXXX payment will be XXXX month XXXX XXXX i get a notice my loan is in forebearance XXXX XXXX i call and speak with aidvantage. I spend 2 hrs on hold. Speak with rep who says things are still processing. Ignore their emails. She tells me it should be corrected by XXXX. We hang up, then she calls me back and leaves a VM that i need to do an exit procedure actually. 

I call back and wait for 1 hour. Tell new rep about the vm. She says she will look into it and then hangs up on me. 

I call back again. Wait for over an hour and I speak with a different rep who says I need to pay to exit my existing ibr plan, i do this because at this point i dont know whats truth or fiction but I am desperate for this to be handled. Then she says it says i am on a pay as you earn plan. She doesnt really resolve problem but says if i dont pay this exit fee then my loan repayment plan will just be held up or rejected without reason. 

Today is XXXX i have completely lost faith in aidvantage and the federal governments ability to handle my student loan debt. The XXXX  is unbearable, and there is no one to talk to about this. I am basically just told something different every time i call. I think they may be purposely be preventing me from accessing save plan so they can make more from me. Please stop collection and interest accruing until a resolution is found for us borrowers who are being told false information
Product: Student loan

On XX/XX/2022, I reached out to My great lakes my student loan servicer. On that day i requested all the payments I made during the student loan pause starting when the CARES ACT went into effect to be refunded/reversed as the Provision under the CARES ACT law. I was told the application would be submitted to the Back office were it would be processed and I should see my loan balances update in XXXX business days and receive my refunds within XXXX business days. I have Reached out numerous times to get an update on my situation and I'm told that my request is still " processing ''. I keep being given longer and longer time frames the last one I was told is that it could take up to XXXX business days to see any updates to my account. I really am in need of this money with Inflation at historic levels.
Product: Mortgage

My issues with Citizens Bank are numerous. ( 1 ) The bank failed to close on a timely basis despite having 29 days of lead time and confirming both orally and in writing that they would be able to meet the closing deadline. ( 2 ) The bank refused to pay the costs incurred for failing to meet the closing deadline. ( 3 ) The bank failed to live up to its offer to reduce the interest rate by 1/8 % if I opened a XXXX Checking account.
Product: Debt collection

I received a notification that a collection had appeared on my account from Harris & Harris collections. I called the company and requested a debt validation letter as I had never even heard of the company. The man refused and began asking for my social. I told him I wasnt comfortable giving that information over the phone and asked if he could look me up by name. He found the account and I asked if he could email or mail something proving this and he responded he already did. I asked when and what date to find the email, he told me and I searched and nothing was there. He then started yelling and talking over me asking for payment. I refused and asked for him to send a validation letter and he screamed and hung up in my face. Before he did he said you sure you dont wan na pay this balance, its really messing with your credit
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX account # XXXX is paid in full, but it is missing from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a dispute letter to Equifax, Experian and Transunion to inform them of the incorrect information on my credit report. It has been more than 30 days and the inaccuracies have not been corrected. The following information is incorrect and needs to be updated or since it is longer than thirty days it needs to be deleted : US BKPT CT FL XXXX - XXXX - The filed/reported dates are inaccurate across the three bureaus, the discharge date is reporting inaccurately as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a collection/chargeoff in the amount of {$3800.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents that prove I have never lived in any other State other than Colorado. They are as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. This collection account is in the State of Georgia. This account is being reported fraudulently and needs to be removed. This false reporting of a collection/chargeoff that isnt mine, is seriously harming my credit. I have contacted the bureaus to remove this however, I have not been successful.