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

On MULTIPLE occasions I disputed XXXX XXXX XXXXs on my report. This was a XXXX bill from years XXXX to approximately XXXX. In XXXX I was coming out of a nasty divorce and on welfare. I HAD to go into non pay status on my electric to qualify for HEAP. So my first delinquency was in XXXX. This makes this debt 10 years old, past the point of being reported. The credit reporting agency non stop says verified. Wont provide me HOW they verified which I asked REPEATEDLY for. XXXX XXXX XXXX reports first delinquency was in XXXX. This is WRONG. This violates my rights. I am attaching a bill from XXXX to which shows that they are WRONG. This also proves the credit reporting agency is NOT DOING THEIR JOBS. Federal law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ). The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. To determine when an account will be removed by the CRAs ( TransUnion, XXXX, and XXXX and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule. I can continue to look or call XXXX for actual proof this goes back to XXXX for my first delinquency. But this in itself should show that this agency is not properly investigating and should be held accountable. I am asking for a IMMEDIATE REMOVAL or I will take this further being this is a CLEAR VIOLATION of my rights.
Product: Credit reporting or other personal consumer reports

As mandated by FCRA 605B, any incorrect accounts should be removed from my credit report. Can you check the documents? There are inaccuracies in the reported accounts, including incorrect amounts and dates.
Product: Debt collection

I moved out of my apartment in XX/XX/year> in XXXX. On the way out, I took pictures, paid all my rental payments, and sent an email to the apartment manager with pictures of my payment, a clean room, and the returned key. I received a reply from him confirming that everything is good to go. 

In XX/XX/year>, six months after I moved out, a debt company reached out, asking me to pay an amount of money that I don't believe I owe. I followed the CFPB guidance to dispute and attached the email chain and payment document. However, the debt company replied, asking me to pay the money again, and I disputed it once more. I also reached out to the apartment for assistance, but they directed me to contact their corporate office. Upon contacting the corporate office, I was suggested to talk to the debt company directly because they could not do anything for it. 

Within a week, the debt collection company sent me an automated email without a reply option, asking me to pay the money and the interest. The following month, they started sending me messages asking me to pay the debt I earnestly seek assistance in resolving this matter.
Product: Vehicle loan or lease

Acct opened XX/XX/2016. Paid for one year no late payments, engine siezed and i was directed to have car towed to a shop of my choice and repairs were to be paid for by reliant financial in which case i would pay for at the end of my term. Mechanic was never paid or contacted by reliant and my car was towed and i never heard anything else about the verbal agreement i was offered. My loan was charged off yet my highest balance per XXXX  states {$0.00} as my highest balance. Account is at {$6400.00} dollars allegedly. I lost my job due to this breach of contract by reliant financial
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed an Experian credit dispute [ Report Number XXXX ] with Aidvantage regarding false and incorrect information on my Experian credit report relating to a 90-day late payment on nine education loans with the agency listed solely in XX/XX/XXXX, despite that according to its own records my loans were on-time and current for XX/XX/XXXX and preceding. [ The same is true for reporting on XXXX and XXXX ]. The dispute and investigation returned back with no changes made to the reporting. 

On XX/XX/XXXX, I spoke with Experian agent XXXX regarding the dispute above report, asserting that a 90-day late payment can not exist immediately following the agencys own reported on-time payment the month prior and that I was seeking remedies to the agencys and XXXX 's failure to correct the issue. To this end, XXXX, in recorded statements, stated the following ( consecutively ) verbatim : XXXX ( XXXX to XXXX ) : I just want to see what other dates where theyre showing anything past due because it doesnt make sense youre right it doesnt make sense that it goes from nothing past due all the way up to 90 days late. So lets redispute it and we can get those facts in. 

XXXX ( XXXX to XXXX ) : It is showing current on XX/XX/XXXX... then it went straight from current to 90 days ... they reported twice in that month... that's strange... they reported on XXXX and they reported on, again, the same month, XXXX that you were 90 days late ... '' XXXX ( XXXX to XXXX : " There's definitely things they need to fix ... and people think that Experian can fix it and we can't, we can only be kind of your in-between person helping you get it disputed... I know it's frustrating but I'm going to go ahead and put that it shows 'on-time and current ' on XX/XX/XXXX ... '' XXXX ( XXXX XXXX XXXX ) : This should not be showing 90 days past due It showed on time and current on XX/XX/XXXX. Then went directly to 90 days late and reported twice on XX/XX/XXXX and XX/XX/XXXX. 

I would go to file a dispute again given Kims claim that she would be providing the additional information, as well as her own accounts based on the information she gathered and perceived on XX/XX/XXXX [ Report Number XXXX ]. However, this dispute, too, would be denied any changes, alterations or explanations. 

See the recording between XXXX and " XXXX '' at Experian. Time stamps refer to audio time locations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXXXX/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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This company has contacted my boss, and my mother trying to get a hold of me. They have told them both they're trying to get a hold of me and to call the number they provide. This is obviously just embarrassing. In the current letter I received they also stated and I quote " Should it become necessary for the original holder of debt to seek legal remedies against you for the above stated amount the debt holder shall not only seek the entire balance in accordance with the original contract due, but also legally applicable pre judgement and post judgement interest, court fees and attorneys fees ''
Product: Debt collection

I bought a policy with XXXX after buying a car mainly just to get me through about a week until I could add the car to my XXXX XXXX  policy. I had an XXXX XXXX XXXX so I pay big money for this commercial insurance. I decide to keep this XXXX policy for 6 months because it was cheap and I figured it never hurt to have extra insurance. After my 6 months were up I never renewed and never signed any renewal but they sent me a bill for another 6 months. I sent emails and called them showing with documentation I already have insurance and will not be renewing with them. 
They put me in collections with CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and hurt my credit rating by 40 points. 

I disputed with Caine and Wiener with documentation but it fell on deaf ears. I disputed with XXXX and this stupid {$240.00} charge is still on my report. XXXX did remove this so I rate them much higher than XXXX. I refuse to pay out of principle and have decided my only recourse is to tell what a crooked company XXXX is to the world on review sites. 
Recently with covid 19 I can not continuing my business because this bogus collection hurt my credit score just enough to not qualify for a Small Business Association Co-vid19 loan which would have allowed me to stay in business.
Product: Student loan

Good afternoon, I fear this is a complaint heard around the clock at the CFPB. I am enrolled in the PSLF program, and have been for very nearly 10 years. My loans were set up in eligible payment plans with all of my loan servicers over the years- XXXX, XXXX XXXX and currently FEDLOAN. 

My current account in FEDLOAN shows payments made to prior servicers, but does not present accurate data regarding amount, date, or repayment plan. I expect this is due to the transition between servicers and the data not being vetted for completeness. 

I have tried to request a manual recount in early XXXX, but did not have any follow up. While requesting the recount, the agent confirmed that many if not all of the payments should be eligible, but for whatever reason were not being captured that way. For older loans, I have made 160 total payments, with 108 showing as 'ineligible ' for issues relating to data management at FEDLOAN. 

Submitted my first PSFL certification form in XX/XX/XXXX and each subsequent year, and the same issue has plagued my recount. At this stage, I have multiple loans that are eligible for PSFL, however since at least XX/XX/XXXX, no action has been made at FEDLOAN to address inaccuracies in my payment count. 

I would like to have FEDLOAN reevaluate my payment history to prior loan servicers and update my payment history to capture eligible payments under PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX  I had my wallet stolen which resulted in a fraudulent loan being opened. I had filed police reports, identity theft reports and disputes with the credit bureaus. The only credit bureau that continues to tell me that this debt is valid is Experian, however it is NOT. I did not open the account and this fraudulent account is negatively affecting my credit score. I am trying to get my finances and scores on track and I can not do that because Experian is not cooperating. I am attaching the Identity theft report and police reports to this thread and I would like this handled properly. I have attempted to discuss this with XXXX and they are telling me to go to the credit bureaus and claim I am responsible for this account. The product that was ordered was never delivered to my address as XXXX is aware. They also have a signature from the other address which is not a property that I am affiliated with and the signature is not mine. The email address and phone number associated with said account were not mine either. There is NO validation of this debt as IT IS NOT MINE.
Product: Student loan

On XX/XX/27, I called Sallie Mae to update them on my XXXX  status. I took on a XXXX  XXXX  that never paid me, and tried to see if they would work with me to halt payments until I am working again. I've been having issues since XXXX when I initially started the new job. Had to deplete my XXXX to make my XXXX payment, plus pay off other bills. I have spoken with other creditors and lenders, and this is the only institution that is giving me issues. This is also the most expensive bill that I am paying. Sallie Mae is requiring a payment that can not be made, meanwhile I'm having to battle housing insecurity because Sallie Mae wants their money with their predatory 12.5 % interest rate.
Product: Mortgage

I have a mortgage with DITECH which is a XXXX mortgage. It was first with XXXX Then it was transferred so many times without giving me a goodbye notice or anything. Now Ditech is stating that I owe them XXXX that is not accurate. I sent a validation request to Ditech as permitted under the law of the FDCPA. Ditech refuse to validate the debt. This is theft. I do not XXXX please help me
Product: Mortgage

Dear, usually my payment due date is about XXXX of the month and its about {$420.00} and my principal and interest is about {$81000.00} for last four years Ive been paying It around XXXX of the month, but now It shows I owe {$82000.00} and I my minimum payment is {$0.00} and due date is XX/XX/XXXX, so I called the US Bank after 20 minuets they can not tell me why not the have clue but theyre telling me we can not get to account But It seems US bank added my payment to my balance and trying to pretend I need to not pay my payment and add more interest going forward I called them three times but Ive been asked to call later I hope is just a technical error but if not imaging how many customer out there that have same problem and Fraudulently charging you more interest by skipping a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Repoering Act, everything needs to be 100 % accurrate on my credit report. 

The credit bureaus stated everything was properly investigated, but how is that possible if the open dates are inaccurate, and. the last reported is inacurrate? This is ground for removal. They also violated my rights under. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account withgout my written instruction Also, the credit bureaus took more than 30 days took more than 30 dsays to complete my investigation. Here is the certified tracking # XXXX  I have submitted a complaint with the XXXX  I have submitted a complaint with the Attorney General 's office and theese collection agencies are violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of 2016, there were  XXXX  credit inquiries to my credit report that I did not authorize.
 XXXX / XXXX /2016  XXXX   XXXX    XXXX / XXXX /2016- XXXX   XXXX / XXXX /2016-  XXXX   XXXX    XXXX / XXXX /2016- XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX  1681i, which mandates a reasonable investigation of disputes. FurthermorXXXX XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX  {$5500.00} ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX 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, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Product: Credit card

I was a victim of identity theft back in XXXXXXXX XXXX XXXX  This affected my information including my social security number, and my credit cards. I had three Capital One credit cards that were compromised and involved in unauthorized charges. I reported the activity immediately to Capital One and instead of performing a through investigation, they closed all three of my accounts for no give reason. I tried to obtain an explanations and I was never provided with one. Today Capital one reported a delinquency on my credit report that is false and incorrect. I am no longer a customer of Capital One that has been established by Capital One already. With this delinquent reporting my credit score was decreased where I have been trying to fix my credit since the identity theft messed everything up. This is in no way acceptable.
Product: Mortgage

I applied for the Making Home Affordable program ( 2 % interest rate ) HAMP Tier 1 and/or Tier 2 through my mortgage lender, SPS. For the last few months, I 've been having a difficult time paying my mortgage and been trying my best to stay afloat. My expenses have increased. To make ends meet, I exhausted all my reserves and looked for help from SPS. I want to be evaluated for every loan modification alternative including the HAMP program which is the lowest and most affordable mortgage payment. I also want a decreased interest rate to 2 % through the HAMP program as well as any incentives. SPS has been delaying consideration of my mortgage application, losing documents, constantly requiring additional items, making me submit new documents because the documents I previously sent to them are now outdated ( the lender dragged their feet ), dual-tracking ( filing a foreclosure complaint while a modification is pending review ).
Product: Credit reporting

I submitted a FTC Fraud Affidavit to Transunion on XXXX XXXX, 2016. I received a letter from Transunion, dated XXXX XXXX, 2016, stating that the document does not appear to be an official, valid law enforcement report that they can accept. I submitted the documents through the FTC.gov website. So they have a copy as well as Transunion. I need your assistance in getting this matter resolved.
Product: Credit reporting or other personal consumer reports

I disagreed and requested an investigation into this Account : XXXX  - Account Number : XXXX starting last year in XX/XX/XXXX with XXXX, XXXX, and Equifax responded that they modified it with updates stating it was accurate. Last month, in XX/XX/XXXX, after reviewing my recent credit report I requested another investigation into the same account with the credit agencies. All three companies noted that they verified my account as accurate. Again, some Inaccuracies are still being reported in my credit report. For instance : the actual payment history of {$100.00} in XX/XX/XXXX and {$100.00} in XX/XX/XXXX and the past due amounts are inaccurate among all three credit bureaus reporting hurting my credit tremendously. Yet, they allowed these inaccuracies to remain in my consumer file. This account is not 100 % accurate -it is deemed INACCURATE and should be deleted immediately from my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ). ( A ) In general If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify the item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information, that the information has been modified or deleted from the file of the consumer. I'm asking you to delete this inaccurate account from my credit report and send me an updated copy of this report in 15 days. Account Name : XXXX - Account Number : XXXX
Product: Debt collection

I disconnected my XXXX internet service on XX/XX/19. I returned my modem immediately using the prepaid label and box XX/XX/XXXX provided. XX/XX/XXXXtried to charge me for said modem and I provided photographic evidence I returned the modem and the tracking number. They have sent me to XXXX separate collections agencies. I have disputed the debt with both XXXX and the collection agencies and requested written evidence to validate the debt. Nothing has been provided. The latest collections agency I C SYSTEM INC did not bother to validate the debt and reported the collection to all three credit reporting bureaus. On the phone they admit the have no evidence to validate the debt and hound at me for how I would like to pay the debt. Their illegal reporting has lowered my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORTXXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed an identity theft report with FTC, the response dated XX/XX/2020 was basically that they received the report but will not be further investigating, nor removing the inaccuracies off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number XXXX Date Generated XXXX XXXX, XXXX Before After Account info Account name XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7800.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$6000.00} Highest balance {$7800.00} Terms NA On record until XX/XX/XXXX Report Number XXXX Date Generated XXXX XXXX, XXXX XXXX XXXX Account XXXX Deleted This item was removed from my credit report. Please review your report for the details. This Item was removed and deleted then replaced on my credit file this is inaccuracy information I'm request they TAKE this Account off and update my credit file Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$7800.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Report Number XXXX
Product: Checking or savings account

I wanted to transfer funds from Optum XXXX bank to XXXX and closed. XXXX of me liquidating the funds optum is denying transfer of funds. 
Called optum customer care and was transferred to XXXX XXXX. XXXX has no idea about whats going on and asked for XXXX and kept me on hold ofr XXXX min and then disconnected phone. Called again and asked for XXXX rep and XXXX ( XXXX XXXX transferred to optum pharmacy who had no idea what to do. 
Called again and XXXX ( XXXX ) in XXXX said he will be transferring to XXXX XXXX and then disconnected phone after XXXX min, Wasted about XXXX hr to no resolution