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

I filed a dispute with XXXX, XXXX and Experian and the other two credit reporting agency, I have paid off XXXX XXXX - account number - XXXX XXXX XXXX XXXX which was paid off in the amount of XXXX on XX/XX/XXXX. XXXX, has responded back to stating that the Dispute that I filed was inaccurate and the credit reporting is correct. 

This is not correct as this is paid in full with XXXX XXXX. Thisis a prime example of the reporting agency not really following up with your dispute request when consurmer are filing a dispute. 

Please update my credit file for this creditor. This is paid in full. Please see the attached paid in full letter and update my credit file for all agencies. 

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) 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.

I am filing this to report five fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan opened at XX/XX/XXXXXXXX XXXX XXXX XXXX under the account number XXXX, and multiple student loans opened at the XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  under the account number XXXX, on XX/XX/XXXX/XXXX  under the account number XXXX, on XX/XX/XXXX under the account number XXXX, and on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries, includingXX/XX/XXXX as well as fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I filed a dispute through the CFPB as a collection with XXXX XXXX XXXX  for {$220.00} showed up on my report. It came out that the account is my brother 's, not mine. 

XXXX XXXX XXXX never sent me any information or verification on the debt, presumably because it is an account under my brother 's name, not mine, and they put it on my reports in error. The debt ended up being removed from my XXXX and Equifax reports, but now it has been reinserted into my Equifax report without notifying me.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Student loan

On XX/XX/XXXX, payment confirmation XXXX, old Mohela account number XXXX, The full amount of loan ( Direct Unsubsidized Stafford Loan, payoff {$3500.00}, loand # 7, disbursement date XX/XX/XXXX, was paid off. I have the payoff payment confirmation and bank statement. 

I also have the payoff payment confirmation of XXXX for Direct Subsidized Stafford Loan ( payoff amount {$2100.00}, Loan # 3, disbursement date XX/XX/XXXX ) and another Direct Unsubsidized Stafford Loan ( {$290.00}, Loan # 2, disbursement date XX/XX/XXXX ). Bank statements provided. 

I have submitted 2 Consumer Financial Protection Bureau ( CFPB ) against Mohela and loan # 7 is *finally* showing as paid with a negative balance of around ( {$470.00} USD ).

Loans # 2 and # 3 are still showing NOT PAID OFF. ARE YOU FREAKING KIDDING ME. This the 3rd complaint.

This is gross incompetence. Not only are loans # 2 and # 3 still showing balances, because of MOHELA 's inability to perform basic functions, this means that every month since XXXX the principle / interest payments of the remaining loans has no been calculated correctly. FIX IT. XXXX. How can you get away with treating people 's money like this!?! As I have stated before, I hope that MOHELA workers who have ignored and chosen not to fix this, that their personal checking accounts get treated with same exact same urgency and disregard as they've shown mine.
Product: Debt collection

I have finally managed to get LVNV Funding off my credit reports due to them reaging a time-barred debt, but when I applied for a mortgage loan I found out that they had a small claims court order against me made in 2016 that I had no idea about and never received notice of. In addition, when I sent a request for verification of the debt I never received any response and to this day have never received information about this debt other than the court documents I found out about through my mortgage loan application.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in con nection therewith. 

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/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Student loan

In XXXX XXXX XXXX XXXX took over my student loans from Nelnet, however Nelnet DID NOT close my account after the transfer. I was apart of the loan forgiveness so my student loans should be at {$0.00} they are NOT. Nelnet claims its XXXX issue and XXXX sent me here as they said its on Nelnet.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with MG CREDIT plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$840.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on my account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside the complaint in on dates of ( XXXX/XXXX  ) & ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see attached screenshot attached.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$430.00}
Product: Bank account or service

A XXXX Bank in XXXX cashed a check we sent our nephew for XXXX in the amount of {$25.00} and they also debited our account an additional {$990.00} that was on a completely separate payroll check written by a XXXX XXXX XXXX from XXXX, this check shows up in the image of our check provided by our bank. I have attacheded a copy of the image of the check provided by our bank. Our bank ( US Bank ) here in XXXX, XXXX removed the funds from our account to pay the check. We have nothing to do with this second check except that the funds were drawn from our account. I contacted the local branch of US Bank and explained what I thought happened and was told that it would have to be referred to their back office. When I asked how long that would take they said they did n't know but would call back when they had a better idea, no apology whatsoever. We are leaving the country in two days and wo n't be back for a month, I told them this and indicated that I wanted them to expedite whatever action they needed to take to get the money back into our account before we left town. I have n't received the promised call back and we have exactly one business day left before we leave for our trip. I do n't know who should be responsible for returning the money but they have taken a very nonchalant attitude about the entire mess, meanwhile we are out {$990.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

A negative account ( XXXX XXXX XXXX ) was added to my report without proper notification, this negative account was allowed to attach to my credit file without following FCRA rules, I have asked via certified letter XXXX different times for documentation showing this is in fact my debt and have been ignored each time and on this ground this account should be removed expeditiously.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681. Section 602 of the FCRA affirms my right to privacy. Additionally, under 15 U.S.C. 1681e ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. Furthermore, according to 15 U.S.C. 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. 
Account Name : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian said they verified the bankruptcy through the court system and XXXX attached are letters from the courts stating that they don't verify this information and from XXXX stating that my file is frozen, the credit bureau is saying that they are verifying this information which is incorrect, please remove from my report.
Product: Checking or savings account

Thank you for having the client resolution team contact me yesterday. I spoke with XXXX XXXX on XX/XX/XXXX. 

I have been a stockholder for over 25 years and an account holder since XXXX. 
I was concerned how XXXX XXXX on behalf of XXXX XXXX responded to my concerns. 

I am concerned that she was dismissive of inconsistent policies that could be a tantamount of racism. 

She gaslighted me and said she was sorry I felt that I had been mistreated. She needs to be trained on this as it does not show sensitivity. I was in tears and traumatized when she said this as she minimized my experience which again was based on race due to inconsistent policies. 

She refused to acknowledge that a consistent policy for making deposits should be posted visibly for customers. She said the policy was internal. I note lack of transparency. 

I explained to her that at different branches that some tellers make allow a cash deposit with a deposit slip alone, some request your debit card and some request your debit and ID. I will provide whatever is requested as long as it is consistent from customer to customer. I have even had tellers to tell me that they dont ask for ID if they know the customer. This puts the bank at risk for liability when policies are not consistent. 

At the ATM, when a cash deposit is made, only a debit card is required and not a drivers license. 

XXXX XXXX and all employees at the bank need diversity, equity and inclusion training to address their biases. XXXX XXXX sounded like she had antiquated views about diversity and failed to understand that biases do exist. She did not want to acknowledge this. 

I note the tellers that treated me differently and the resolution team members that have contacted me on behalf of XXXX XXXX are not people of XXXX and insensitive. It was clear that XXXX XXXX does not understand concerns of people of color. 

XXXX XXXX went on to read every group listed in the non discrimination statement and said Truist does not discriminate. She simplified the issue of diversity and inclusion and made it out that just because this statement exists that discrimination does not exist at the bank. 

I am dismayed that someone at her level on behalf of the ceo would be so insensitive about my concerns. Thank you again and I do hope the bank develops consistent visible policies. 

Thank you so much, XXXX XXXX
Product: Checking or savings account

Deposited XXXX $ into my account to avoid overdraft fees. Chase decides to charge me XXXX XXXX $ fees the next XXXX  I wake up. XXXX $ money I do no have taking food out of my mouth those XXXX  XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  company
Product: Credit reporting, credit repair services, or other personal consumer reports

The following debts were sold to a collection agencies, two specifically yet still report bad debt with original creditor. All debts were paid and settled with collection agencies. 
XXXX XXXX Company-acct no. XXXX XXXX- acct no. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Digital-paid in full XXXXacct no. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was checking my credit report and I was shocked, because of my credit score id too low. I believe that someone have my personal information. I have never applied for these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, has 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

Someone opened two debit accounts in my name through Chase bank and tried to overdraft money
Product: Debt collection

This debt was aquired in 2014 I shouldnt still be getting harassing phone calls. I live in the state of nevada. Statue of limitations is 6 years for written contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX Balance : {$7300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$44000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$20000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$22000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit line with XXXX XXXX XXXX ( https : XXXX ). I enrolled the balance into a debt relief program XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX which forced the debt to go into collection and later on sold to LVNV Funding LLC - Resurgent Capital Services ( reported XX/XX/XXXX ). XXXX XXXX has reached a settlement a agreement with LVNV and the agreed amount was settled and fully paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted LVNV on XX/XX/XXXX and they asked for XXXX XXXX to contact XXXX XXXX XXXX at ( XXXX ). I contacted XXXX XXXX same day but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of LVNV. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done on XX/XX/XXXX more than a month ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively.
Product: Mortgage

The Mortgage company has omitted some of our mortgage payments for the last two years and they are trying to foreclose on us tomorrow. We, need help to hold the Mortgage Company liable for misappropriating your mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my payment was received late. I explained to the credit bureau and Navy federal that my payment was late due to an error. Navy Federal didnt look into my payment history with them, because if they did than they would notice that my payments have been on time for the last 2years.
Product: Mortgage

My wife and I received a Green Tree Servicing letter stating that my home equity account was forgiven as part of the XXXX XXXX XXXX XXXX settlement. On page XXXX of the letter the last paragraph states, " we will report to the major credit bureaus that your account was paid and closed. '' The forgiveness has been processed. However I have spoken to Green Tree Servicing several times because they will not provide a letter that it has processed and they are saying they will not report that language to the credit agencies. They stated it in black and white on their own letter I didnt negotiate this language and now they need to honor what they stated.
Product: Credit reporting or other personal consumer reports

This is a formal complaint of reporting information under 15 USC 1681e ( b ). According to the IRS, canceled debt ( Charge Off ) is gross or ordinary income. Income does not get reported on your consumer report. This means the ( Charge Off ), on my reports are inaccurate. These are the companies and account numbers : 1 ) XXXX XXXX XXXX XXXX  Date : XX/XX/year> Amount {$18000.00} ( Account Closed ) ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Actions : Called only, no resolution.