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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 see that the same information on my credit report was incorrect. The 3 credit bureaus to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$30000.00}
Product: Mortgage

Took a 7 month COVID forbearance with our previous company XXXX XXXX XXXX XXXX When we were ready we contacted the company to resolve the forbearance and were told we qualified for a veteran extension modification. XXXX XXXX started the process and sold our loan to The Money Source. The Money Source required us to undergo a 3 month payment trial period where we were to make payments on the first of every month for 3 months or risk rejection of the extension. After honoring our obligations The Money Source has continuously sent us misinformation. Including documents claiming we owed a lower mortgage than we actually did. Their reasoning was that letters arriving by mail are issued by an automated system and we were told we need to disregard mail and call in for information regularly. They have also promised through phone calls that our resolution is almost coming but they are pending a copy of our homes Title from XXXX XXXX XXXX XXXX They have caused us fear telling us that we must continue making trial payments on the first of every month until they finish obtaining the document from XXXX XXXX XXXX XXXX I spent hours and multiple calls on the phone with them this month where we were promised that the resolution was schedule XX/XX/XXXX for our new payment and for documents to be sent our way. How we XX/XX/XXXX we were sent another letter saying theyve delayed again due to not receiving the Title from XXXX XXXX XXXX XXXX I have emailed them the Title which they rejected. It feels they are purposely drawing out the process as well as sending mixed information to confuse us and cause us to miss a payment on the XXXX of the month in order to take our home and reject the resolution. We have now been in the resolution process longer than the actual forebearance. This process only allows me to make phone calls for payment as well and will not allow me online services which means they add more difficulty by making us have to set aside an hour for hold times and phone calls to process our payments.
Product: Debt collection

My mother ( co-signer ) was contacted by the XXXX XXXX XXXX XXXX, demanding her to pay the amount of $ XXXX from XXXX XXXX Loans which includes the principal, interest, and fees. I was confused because I had my student loan was discharged by Federal Student Aid and is currently in 3 year discharge monitoring period due to low income and XXXX. Therefore, my mother, the co-signer, does not owe the debt, neither do I. For precaution, I rechecked with the Federal Student Aid and I'm still under monitoring period and I already gave my income information of 2017 which it hasn't changed for years. If you want evidence, I'll happily provide it, just let me know where to send the information or you can check it out by yourself by contacting the FSA. 

Please, inform the XXXX XXXX XXXX XXXX that my mother and I do not owe them anything and to desist any further contact.
Product: Mortgage

I have a XXXX on my house in XXXX Ca. with KeyBank. It is a fixed rate loan for 6.99 % that I have had for about 8 years. I used it for a swimming pool, block wall etc. I never paid much attention but after check I found that the interest charged varies over {$150.00} from month to month. I have tried to contact them numerous times by phone and by their email contact but get no response. Any advice our guidance on this matter would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$460.00} XXXX/XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me and I never gave my consent for these. I need this fraudulent information removed immediately.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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.. These fraudulent accounts consist of a personal credit card account opened at XXXX  on XXXX XXXX Under account # XXXX, another personal credit card account opened at XXXX on XXXX XXXX under account # XXXX, A personal loan opened at DEPT OF ED XXXX on XXXX XXXX under account # XXXX, another account opened at XXXX on XXXX under account # 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 accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX XXXX and XXXX in XXXX American Express shows I did not make payments on my credit report. However my bank statements show I was only past due in XXXX of XXXX. My bank statements show that on the following dates these payments were made : XX/XX/XXXX {$200.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$410.00} You will see the mentioned items circled on the attached statements. 
My credit report also indicates that American Express closed my account. However I called to close my account.
Product: Vehicle loan or lease

I was pressured into buying my car and don't even recall signing loan papers, neither does my mother and she was with me. I have asked for the loan agreement several times but have yet to receive my loan agreement. 

SANTANDER also falsified information to the credit bureau just days before a decision was made on a {$550.00} XXXX dollar class-action lawsuit which makes it appear as if I don't qualify for a loan forgiveness option when I do. *On XX/XX/XXXX, Santander reported to the credit bureau that I was current on all of my payments for XXXX when in fact I had missed XXXX and XX/XX/XXXX. **  According to the lawsuit, Santander is required to either buy back the vehicle or give loan forgiveness to those who have been extended a subprime loan AND have defaulted before XX/XX/XXXX. If you look at my credit reports, it shows that I did NOT miss any payments with Santander but I have statements that prove I wasn't able to pay anything. 

They have also charged hidden fees and miscalculated interest payments so that nothing has been paid towards the principal in 2 years.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX  score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter to the bureau informing them that there was an account reporting inaccurately with an " Open Account '' status and I requested that it be deleted from my profile because it is not FCRA compliant. This inaccurate reporting needs to be deleted. I pulled my report again and this information is still showing on my account inaccurately. This is a violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Experian is furnishing fraudulent information on my credit report that is causing severe harm to my personal life. There is a hard credit inquiry from " XXXX XXXX '' on " XX/XX/year> '' that was not made by me. This information is a result of fraud and needs to be removed immediately. I have already contacted Experian via phone on multiple occasions and they refuse to remove this harmful fraudulent credit inquiry from my consumer report, even though there is no proof that this was made by me. There could not be any proof or validation that this was me, because it was not made by me. If there is validation that this was made by me, show me the proof of validation. If not, remove the inquiry. I have filed previous disputes and they continue to furnish this inaccurate information on my report. This inquiry on XX/XX/year> was not made by me and needs to be removed immediately. Experian must be held accountable for their actions. It is their duty to furnish XXXX  % accurate information and they are not doing that.
Product: Student loan

I had to get a private student loan my first year of college, I went to XXXX. They sold my loan to " American Education Success ( AES ) ''. I am trying to get a long term loan repayment modification to get my monthly payments down to a reasonable rate because I do n't make enough money to be paying their full monthly payment on top of my other loan service providers ( for context I have over $ 100k in debt, Thanks America. ) First they call me saying I did n't put in the correct count of loans I have ( I 'm paying for all my loans including the ones 'technically ' under my fathers name because they are Parent PLUS loans ), which is super petty ... but anyways I fixed it according to what I discussed over the phone and emailed them that SAME day. Now, a month later I get an email saying they never received anything and they 're denying my request. So I frantically call them ... AGAIN. She says a note was put on my account that on XX/XX/XXXX ( I emailed them with the corrections on XX/XX/XXXX ) that nothing was received. So I correct the employee on the phone and told them to look again. She comes back after putting me on hold saying they did in fact receive my email ( so now they 're liars ), but no one would tell her why now I 'm getting told I never submitted anything ; and that my account would have to be put under review. This review will supposedly take another 7-10 days. Guess what 's due conveniently that soon? Oh yea, my next loan payment. At this point they are purposely stalling to get more full monthly payments out of me. I DO NOT have the money to sustain this B.S.. AES is a scam and need to be reported for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car in XXXX from drive here.com to only find out in XXXX that I was leasing the XXXX vehicle. I was told to pay an extra {$100.00} a month as an insurance for repairs when needed. When the car broke down ( transmission blew ) I returned the vehicle for repairs and the company refused to fix it. As of today XX/XX/XXXX, the company is reporting the repo as new XX/XX/XXXX, ( last report date ) the original repo date is XX/XX/XXXX, Inaccurate Balance reporting at $ XXXX but over the phone they say I have a balance of {$2000.00},
Product: Debt collection

I checked my credit report and Sunrise Credit credit has reported a {$180.00}. Debt. I have no idea what company it's from and I have not received any notices of a debt for {$180.00}. I pay my bills on time or early. Also, there is no other information such as acct # or except for their company contact information.
Product: Credit card

US BANK Froze all accounts starting with my checking and XXXX credit card accounts, XXXX card that I had for 15 years, because I tried to send {$20.00} they XXXX, to someone they said was a scammer or a fraud according to them. I had no way of knowing this. All of my credit card accounts have bedn paid in full every month. This has been over XXXX weeks ago and I still have not received my money that was in my checking account.
Product: Debt collection

Asked for Validation not verification. Validation was never received so this debt was never validated as belonging to me. Please remove this account from all 3 of my credit bureaus files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus.
Product: Credit reporting or other personal consumer reports

Potential FCRA Violations or Reporting Issues : Inconsistent or Contradictory Data : The reporting contains discrepancies in the following fields : Date of Last Activity : Two conflicting dates, XX/XX/2024 and XX/XX/2024.

Date Reported : Two different reporting dates, XX/XX/2024 and XX/XX/2024.

Closed Date : Two conflicting dates, XX/XX/2024 and XX/XX/2024. 
This is a violation of FCRA standards requiring accurate and consistent reporting. 
Ambiguity in Account Description : The account rating and status ( " XXXX '' ) are unclear and do not follow standard terminology. This could mislead users and is a possible violation under FCRA for failing to provide clear, understandable information. 
Dispute Marking : The status shows both " Account not disputed '' and " Account information disputed by consumer. '' This inconsistency suggests either the creditor or credit reporting agency failed to update the dispute status properly, a violation of FCRA Section 623 ( a ) ( 3 ). 
Lack of Supporting Details : Missing key fields such as : Payment history Last payment date Term length Past due amount Incomplete data violates the FCRA requirement for furnishing complete and accurate information. 
Collection Status : The account is reported as " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. '' If you have disputed this or if the information is inaccurate, the creditor is obligated to correct or remove the entry. 
Original Creditor Issue : The original creditor is listed as " XXXX XXXX, '' but there is no indication of validation of the debt. If this debt was sold or transferred, you have the right to request proof of assignment or validation under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion added a incorrect missed payment from XXXX XXXX to my report last month of XX/XX/2022, since then it was removed and added back for a different month XX/XX/2022. 


I will upload factual dispute with other docments to ensure im protected as a consumer under fcra law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 US DEPARTMENT OF EDU XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

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

RE : Formal Complaint Regarding Incorrect Address Reporting Dear Sir or Madam, I am writing to formally complain about Experian 's continued reporting of an incorrect address on my credit report, despite previous attempts to dispute and resolve this matter. The address being reported is XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX and it is not associated with me or my credit history. 
Background of the Issue : 1. I first disputed this incorrect address on XX/XX/year> following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ).

2. Despite submitting documentation to verify my correct address, Experian continues to report the inaccurate address on my credit report.

3. This repeated inaccuracy is negatively impacting my credit profile and causing undue frustration. 
Correct Address : My correct address is as follows : XXXX XXXX XXXX XXXXXXXX, FL XXXX Documentation Provided : I have attached the following documents for verification purposes : 1. Copy of my drivers license or state-issued ID.

2. Recent utility bill or bank statement showing my correct address.

3. Previous correspondence regarding this dispute. 
Resolution Requested : I respectfully request that Experian : Immediately remove the incorrect address, XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX from my credit report. 
Confirm the correction in writing and send me an updated credit report showing the changes. 
Escalation Notice : If this issue is not resolved within the 30-day period required by the FCRA, I will file a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ) and explore additional legal remedies. 
Thank you for your immediate attention to this matter. Please contact me at XXXX if you require additional information or documentation. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a certified letter requesting the XXXX items that are turned into charge offs on my credit profile, but I never received a 1099-c. I requested the 1099-c to be mailed to my address .I explained that I had a hardship that prevented me from making payments and kindly requested a copy of the 1099-c for both accounts reporting on my credit profile.
Product: Vehicle loan or lease

In XXXX I leased a XXXX XXXX from XXXX XXXX XXXX XXXX, Florida. It was a 3 year ( 36 month lease ). I decided to purchase the car after 34 months. XXXX XXXX of Florida gave me the total cost of the car which included the payments 35 and 36. I took ownership of the car on XX/XX/XXXX. I forgot to turn off the auto payment from my XXXX checking account. An extra payment of {$260.00} was made on XX/XX/XXXX, to Hyundai Motor Finance ( XXXX ). When I contacted XXXX for a refund, they refused. They sent a check for {$220.00} to XXXX XXXX XXXX XXXX, Florida. XXXX then sent me a check for {$220.00}. When I contacted XXXX for the difference, they refused. I am still owed {$43.00}.