23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I had a one time service come out for pest control and that was paid. Two years later an account shows up on my credit and they contact me to start making payments. This is from the actual company and not a collection agency. I contact them and they tell me I owe {$1700.00} and scare me into making payments even though I tell them I do not know what this is, I did not want my credit affected as I am trying to buy a home. My son talks to me and I decide to contact them again because I do not owe this bill and they scare me so I make more payments. My son then has me get a copy of the contract and they send me a contract with verbiage blacked out in the body of the contract and tell me its for my protection. It also has a signature that looks similar to mine but you can tell it is not. Also the initials are electronic and I never signed any of this or agreed to it. I have called mulitple times to resolve and they are very mean and upsetting. This is affecting my credit and I do not know what to do. My son helped me dispute on credit im not sure if that will help. If they are doing this to me they must be doing it to others. Please help me I do not know where to turn next. I feel they are taking advantage of me because of my age. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please, I need your help. I am asking for help from the Consumer Financial Protection Bureau to protect me from TransUnion LLC Credit Bureau Company. I need a Consumer Financial Protection Bureau counselor to investigate the following problem with the TransUnion LLC Credit Bureau Company.

The existing false problem is making me sick and worried, and it is causing me lots of XXXX that I am on medication right now because of what is happening to my credit scores and report. 

On XX/XX/2021, TransUnion LLC Credit Bureau Company severely lowered my scores for reasons, not in my credit history or personal financial history.

All the factors that the TransUnion LLC Credit Bureau Company built its decision on are entirely false. 

Factor 1, The balances on my accounts are not too high. All the balances in my accounts are less than half of my credit limits.

Factor 2, I do not have any delinquent or derogatory accounts. I do not.

Factor 3, Real Estate balances are paid on time.

Factor 4, The date that I opened my oldest account is not too recent.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and discovered several credit card accounts and inquiries that can not be verified. Additionally, some information is not 100 % accurate, including incorrect names, outdated addresses, old phone numbers, and charge-off accounts. These inaccuracies violate the laws designed to protect consumers, which mandate that all reported information must be completely accurate. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), all information on my credit report must be 100 % accurate. The presence of these fraudulent collections and incorrect details in my credit report constitutes a significant violation of this requirement.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a notice to Experian to correct my personal information because there were inaccurate names, addresses, employers, etc. reporting. 

However, Experian did not all old information associated with the personal information section of my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) -Accuracy and fairness of credit reporting, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

Also Pursuant to 15 USC 1681e ( b ) - Accuracy of Report, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

My personal information should be listed as such and no other. 

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Birthdate : XX/XX/XXXX SSN : XXXX Employer : This section should have no employer due to unemployment The following personal information needs to be deleted ASAP. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The addresses are inaccurate because I do not live there and I can not receive mail or any correspondence nor do I have access to any of these addresses. The only correct address is the address I listed XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX.
Product: Mortgage

In XXXX of 2022, my home owners insurance policy ended with XXXX XXXX on my home that I had paid a yearly insurance protection policy for. XXXX XXXX did not send me a renewal notice about my policy coming to an end. Around XX/XX/XXXX, I received a letter from Rocket Mortgage that they did not have insurance on my home on file, and that I needed to buy some right away. They also stated that they purchased insurance for me that was Forced Insurance. The next day I purchased a new home owners insurance policy and notified Rocket Mortgage immediately about the new coverage. I was frustrated because I was charged an insane amount for the coverage. Reading over the Federal Regulations I was seeing that mortgage companies need to issue a letter and wait 45 days till purchasing insurance. I was not given any type of window. Please help clarify this for resolve this for me.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. 

These persistent inaccuracies have caused significant stress and hardship. It is crucial that these issues are promptly addressed to ensure the fair and accurate reporting of my credit history. I respectfully request that you conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies. With this, I am asking for your assistance to remove the inquiries : 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 or other personal consumer reports

In XX/XX/year> I signed up with National Debt Relief Company who negotiates with your Creditors for a lower amount to settle your debts. Initially they took XXXX payments of {$410.00} bi weekly from my bank account to build up funds to negotiate with. This amounted to {$3700.00}. Later I received a letter from the IRS for back taxes so I had to get out of the XXXX program. They would not let me out without paying additional fees of {$150.00} a month for 12 months. This created an extreme hardship considering I had to pay the IRS so much. I don't recall getting anything accomplished, only the paying of fees. My credit score which has always been around XXXX took a dive and I haven't been able to recover in XXXX years. My score is at XXXX and I am paying down bills but only receiving a point here and there. That {$5500.00} could have been used to pay down more of my debt. In the mean time I am being sued, wages garnished, collections and charge offs but have not received any XXXX.
Product: Mortgage

XX/XX/XXXX - Sent a letter to Wells Fargo disputing {$190.00} recording fee they added to payoff statement of my mortgage. They should only have charged me {$95.00} for the recording of the reconveyance of my deed of trust. 
XX/XX/XXXX - Received letter from WF acknowledging receipt of my letter of XXXX and that they would respond by XX/XX/XXXX. 
XX/XX/XXXX - Sale of my home closed and Escrow sent payoff funds to WF. 
XX/XX/XXXX - Received letter from WF stating that the {$190.00} charge is accurate. Their letter stated that they had to also record a Substitution of Trustee. It is not might fault that WF chose to substitute the original Trustee on the Deed of Trust to another Trustee. I shouldn't be penalized for this. WF should be responsible for the recording cost for that document, not me. I spoke to WF representative and voiced my objection. 
XX/XX/XXXX - Received letter from WF denying reimbursement of {$95.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not proclaim to be an attorney or a law student, I just had time on my hands during XXXX XXXX. 
As i was on Social media, i came across some users giving Credit Education. I ordered a copy of the Fair Credit Reporting Act " U.S.C 1681 free booklet. 

I sent letters for the company to Validate the Debt, which states, I have a right to ask for validation what is being reported on my Credit Report 15 USC 1692a ( 2 ), term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

I also read that it can be a criminal law, but i have not read or self studied that part. 

Please, investigate to see whyinaccurate information is being reorted on my consumer credit report. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX.15  U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX  XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

The US Department of Education has not hired Nelnet ED to service this federal consolidation loan orginated by the XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX for a XXXX XXXX in the amount of {$49000.00} now reporting as {$80000.00}. This why Nelnet ED has not supplied the federal student loan accurate payment history from XX/XX/XXXX until XX/XX/XXXX to the credit reporting agency. The credit reporting agency is not reporting month by month payment history of this federal student loan from XX/XX/XXXX until present. I have not made any payments and not requested any deferment or foreberance. The credit reporting agency and Nelnet ED is not reporting this defaulted federal student loan month by month payment history. The CRA are required to report the complete accurate payment history month by month of the federal student loan.I wrote Nelnet ED that I am not paying a XXXX on their federal loan terminated by the US Department of Education Generl Counselor on XXXX The Fair Credit Reporting Act, CFPB and I request the CRA to report on my online credit report the complete accurate payment history of federal student loan from XX/XX/XXXX until XXXX  immediately. XXXX and XXXX are In violation of the Fair Credit Reporting Act and the CFPB for not reporting the complete accurate payment history of the federal student loan accoun tand must remove the account immediately. If the CRA have any problems. The CRA to address their concerns to the legal furnisher of the account the US Department of Education General Counselor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Opened XX/XX/XXXX {$26000.00} XXXX XXXX Opened XX/XX/XXXX {$380.00} I dont know where these accounts are coming from these are fraudulent accounts My information may have been impacted by the Equifax , XXXXXXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

Also, If these accounts are old, it is illegal in itself to create a new date to start the 7 years over that Ohio has which states a debt come off credit after 7 years in Ohio Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Please send all correspondence regarding this matter to the address listed above. I expect a prompt response within the 15-day period as required by law. 




Respectfully XXXX XXXX
Product: Vehicle loan or lease

Leased a new vehicle from America Honda Finance. Made 36 out of 36 payments on time. Was billed for excessive end of life charges upon return.

Spoke to a representative who said they would investigate. Never heard back and was reported delinquent and saw my near perfect credit score of XXXX drop to XXXX in 2 months. 

Car was returned with less than half the allowable miles.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 
I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 
15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 
I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 
15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 
15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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/2021
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/scrub>XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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 that 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I took out a personal loan from Wells Fargo back in XX/XX/XXXX to help pay for my home remodel. Then, as a result of Covid-19, I found myself unemployed. After being placed on several 90 day payment deferrals, for a total of 180 days, I was finally offered the chance to modify the terms of the personal loan. On XX/XX/XXXX at XXXXXXXX XXXX  MST I asked the Wells Fargo associate from the Hardships Dept if the loan modification would negatively impact my credit score and how the payments would be reported to the credit bureaus. This gentleman could not answer my question, nor was a supervisor available. A week later, on XX/XX/XXXX, at XXXXXXXX XXXX MST, after receiving the loan modification paperwork which DID NOT detail credit reporting impacts, I called Wells Fargo 's Hardship Dept once again. I spoke to a female representative who also had no idea, nor was her supervisor available to speak. All I need to know is how the payments from the loan modification, should I choose to accept, will be reported to the credit bureaus? Without this information, I can not make an informed decision on what is best for my family. Furthermore, the absence in providing this information is deceptive.