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

I was going over my credit report and I noticed a few errors. I was reading according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification  of the original signed consumer contract - any and all accounts you post on a credit report, this was definitely not done. I demand the following accounts to be deleted : 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 have been a victim of identity theft and I notified XXXX, XXXX, and Experian about this XXXX XXXX account showing up on my credit report as a charged off account. I have been notifying them for months and even sent police report and somehow this account still gets updated and verified as accurate. The only credit bureau who actually did the right thing and removed this inaccurate account was XXXX. I don't see why this account did not get removed from Experian and XXXX  as should.
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 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 an 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

Delete the account and inquiry : XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I for some reason do not have a credit score with Equifax and XXXX. I do have a credit score with XXXX. I have been trying to establish credit with Equifax and XXXXXXXX however, there has been too much back and forth at this point and they have not been able to assist. 

I have sent my information twice now to each Equifax and XXXX 

With TXXXX I have sent my information both times by mail. Apparently, the 1st time I sent it, it was not enough information even though I sent what they asked for. So, I sent everything again including new additional documents through certified mail, and am waiting now. 

With Equifax, I have sent my information through fax and have confirmation of delivery however after waiting 8 business days after Equifax received the files ( which by the way, they said they need 3-5 days ), they have no record of the file. Customer Service assumed that it was because the files were not readable and asked me to resend the information again. Equifax also does not have any notes to prove that the file was not readable. So, I sent everything again through certified mail and am waiting now. However, I am very concerned that the same exact thing will happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is inaccurately reporting to the credit bureaus. To XXXX and XXXX   they are reporting 30 days late payment on XX/XX/16, while they are reporting no derogatory status to XXXX. Peruanat to FCRA 623 ( a ) ( 8 ) ( D ), they need to be reporting accurately to all 3 credit bureaus.
Product: Student loan

I requested a loan of {$12000.00} from XXXX XXXX in XX/XX/XXXX. Three disbursements were made.XX/XX/XXXX for {$4700.00}, XX/XX/XXXX for {$4700.00} and XX/XX/XXXX for $ XXXX.Total disbursed {$9500.00}. I graduated XX/XX/XXXX. Throughout the term of the loan I had placed the loan into deferment. In XX/XX/XXXX I called XXXX XXXX to inquire why my principal balance reflected total amount owed {$13000.00}. I was told by two customer service representatives that during my deferment my student loan accrued capitalized interest. The issue I have is with how this information is disclosed on my billing statement. My billing statement reflects the actual principal of {$9500.00}. actual funds I borrowed and then it shows current principalb {$13000.00}. this is very confusing. In addition it is inaccurate according to XXXX XXXX dictionary online principal is defined as : a matter or thing of primary importance : such as a ( 1 ) : a capital sum earning interest, due as a debt, or used as a fund. In addition according to XXXX XXXX  dictionary online Th term interest is defined as a : a charge for borrowed money generally a percentage of the amount borrowed. Disclosing an increased amount and defining it as principal would indicate an additional amount borrowed, however it is interest and should be disclosed on monthly billing statements as capitalized interest NOT PRINICIPAL. Since this is not part of the funds borrowed it should be separated and disclosed as such including the dates of the deferrment period. This will lead to decreased student loan debt and more transparency. My goal is to help alleviate the burden placed on graduate students, in addition, XXXX XXXX  offers few options to negotiate repayment. Except forbearance or deferrement. There are no options to alleviate the payment based on income. They are forcing students to accrue more debt.
Product: Student loan

I have filed disputes with all XXXX credit bureaus. The last time I disputed the results were sold to Great Lakes Higher Education. 
XXXX accounts with XXXX with the acct. number XXXX XXXX account with XXXX w/account number XXXX as a paid collection which is also reporting incorrectly.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

WILLFULLY KNOWINGLY FURNISHING AND REPORTING OLD OUT OF DATE SCORES TO CAUSE CONSUMER HIGHER " MORTGAGE '' INTEREST RATE ON NEW LOAN ; 1 ) THE FAILURE TO UPDATE MY XXXX MORTGAGE SCORE ; SPECIFICALLY SCORES XXXX & XXXX ; XXXX ) FAILURE TO " ACT '' CONTRIBUTES TO ECONOMIC NEGLIGENCE AND DAMAGES. 

NOTICE : TWO SPECIFIC AGENCIES [ XXXX AND EXPERIAN ] REPORTING OLD OUTDATED XXXX MORTGAGE SCORES UNDER XXXX & XXXX ; ARE PUT ON NOTICE THAT THEIR FAILURE TO " ACT '' TIMELY AFTER MULTIPLE REQUEST WILL CAUSE THE CONSUMER TO PAY A HIGHER MORTGAGE LOAN INTEREST RATE. IN COMPARISON XXXX HAS FOLLOWED THE FCRA ; THEY ARE THE EXAMPLE AND THEY HAVE A SCORE [ [ [ XXXX ] ] ] POINTS HIGHER THAN XXXX 'S MORTGAGE SCORE AND XXXX IS [ [ [ XXXX ] ] ] POINTS LOWER THAN XXXX WHICH HAS BEEN THE LEADER IN UP TO DATING MY XXXX. THE DOCUMENTED FAILURE TO ACT IN A TIMELY MANNER AFTER MULTIPLE REQUEST IS NEGLIGIBLE UNDER FEDERAL DEPORT LENDING INS INCLUDING BUT NOT LIMITED TO ( TILA ), 15 USC 1601 ET SEQ., AND CONSUMER CREDIT PROTECTION ACT 9PUB.L.90-321 ; REGULATION Z 12 CFR 226.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  should not be reporting each inquiry listed on my credit report as a separate line item. I have attached a copy of the Inquires section of my credit report showing the numerous inquiries for the same item. Specifically on XXXX ; XXXX and XXXX. I have also attached a copy of my Drivers License and Insurance Statement for identification purposes to continue to investigate this complaint. These multiple inquiries were for the same product, an auto loan and these inquiries are all the same type of lender and therefore should only be reporting as ( 1 ) line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. I have contacted the bureaus to fix this however, I have not been successful.
Product: Mortgage

In XXXX of 2023, I informed my mortgage company that I was having issues with my mortgage payments. I am informed that I need to fill out a loss mitigation application and was approved for " Covid 19 Recovery Modification ''. I was told the solution would be to change my mortgage rate to 7.75 into a 40-year mortgage, bringing the payment to {$3100.00}. I signed the paperwork and returned it. My mortgage was then transferred to another CrossCountry in Texas, where I started my trail payments in XXXX. I have now completed my trial payments and CrossCountry now states that they do not have any record of said 40 year mortgage. The calls are apparently recorded, and this was information disclosed and agreed to by myself and the mortgage company. The reason for the modification in the first place was to get a lower payment. I am unable to make the full payments going and this will go in default. I need this matter to be investigated. If we need to go to a court of law to play these recordings and disclosures, please advise.
Product: Credit reporting or other personal consumer reports

After checking my XXXX, XXXX and Transunion credit report on XXXX, I noticed some hard inquiries that do not have permissible purpose according to 15 USC 1681b I wish to have the following inquiries removed from my report : XXXXXXXX XXXX XXXX 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 submitted disputes and a complaint it wasnt until I spoke with a rep last Friday who said to file a report through the ftc. I did that provided that called back yesterday and they said I needed to report all XXXX collections because the system only allows XXXX. This morning I wake up to an email basically saying what they always say the information is yours when it is not. I dont know what I have to provide my dna to have it removed it. XXXX literally said once I provided that they would remove the items and they didnt. Its so frustrating knowing something is not yours yet you have to pull teeth to get something removed I am absolutely fed up with XXXX  and its not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX. I am writing in regards to my personal information being used to open accounts with credit grantors without my knowledge or authorization. This is the second complaint I am filing because the first complaint claimed these fraudulent accounts where indeed not my accounts and they'll be removed, yet they haven't. I am now requesting for these accounts to get blocked and deleted off my report ASAP. I have spoken to all the companies involved and they've sent me letters stating these are not my account and they've also verified that these items are to identity theft. The following names are the accounts in which where opened using a fraudulent application which id like to block and delete. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} These are all the accounts opened fraudulently. I am also being neglected a block and delete from the credit reporting agencies even when all my documents are valid and meet the FCRA requirements for account deletions in regards to identity theft.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports, I discovered a late payment on my account for which I have never missed a payment. Consumer reporting agencies play a crucial role in accurately reporting consumer information. I have enclosed a screenshot of the account in question, dated XX/XX/2023, to illustrate my claim. 

I request a thorough investigation into this late payment and ask for proof that they were indeed late. If no evidence can be provided, I demand that this payment be updated to reflect that it was paid as agreed and on time, as I have never been late with my payments. 

Thank you for your attention to this matter. Please find the attached screenshots for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX  XXXX XXXX Date filed XX/XX/XXXX Identification number : XXXX ; XXXX  XXXX .... Balance : {$400.00} ; XXXX A XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX request XX/XX/XXXX ; XXXX OF XXXX Date of request XX/XX/XXXX ; XXXX XXXX NA Date of request XX/XX/XXXX ; XXXX INSTALLMENT Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

De ar Sir and/or Madam : I h ave an auto loan with  Capital One  Auto Finance. My daughter was severely injured and was admitted to the hospital and under a doctor 's care for several days / weeks. I made a payment online to  Capital One Auto Finance, but unfortunately  in the confusion of everything going on, I inadvertently scheduled the payment late. Once I realized my error I called  Capital One Auto Finance and explained to them wh at I had done. I spoke to a customer service representative named "  XXXX  '' on   X/XX/17 .   XXXX  was very nice and explained to me that the payment would be fine and that I should n't worry about any " 30-day late '' on my credit report. I asked him if there was anything that I needed to do, and he said that everything was fine, to relax, and tend to my daughter. I was very grateful to him for his help and assuring nature.     I was obviously horribly shocked with  a 30-day  late showed up on my credit report, so I called  Capital One Auto Finance back. I spoke to another representative who admitted to being able to see al l the notes as described above. He very matter-of-factly indicated that he would not be able to remove th e 30-day l ate, and that the previous customer service represe ntative (   XXXX   ) ha s been fired. I found it very unprofessional that the new customer service representative would be so blunt and disclose this sensitive personnel information to me. Nevertheless, I asked what I could do. I tried to get him to understand that I had called in and was given erroneous information - he even verified everything that I was telling. No matter what I said, he simply told me that he could n't help remove the  30-day  late and if I " really wanted to '' I could appeal his decision, but that it " would n't help ''.     I am hopeful that reaching out to the CFPB will help me alleviate this concern. When a consumer calls for information on their account they rely on qualified professionals to give them accurate information. I followed what the customer service representative told me and did everything that he told me. All of these interactions were verified by the new customer service representative.
Product: Credit reporting or other personal consumer reports

They are not suppose to be on your consumer report unless you gave the creditor permission to report your transactions to the consumer reporting agency and is Inaccurate information and fraud to the IRS .never sent 1099c and under rematsa say profita nd loss and, write off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting negatively with different information on each of my credit report XXXX open XXXX/XXXX/XXXX reported- closed charge off update XXXX/XXXX/XXXX Equifax open XXXX/XXXX/XXXX reported closed charge off update XXXX/XXXX/XXXX XXXX open XXXX/XXXX/XXXX reported closed charge off update XXXX/XXXX/XXXX XXXX XXXX keeps reporting the account as active when file a dispute with credit agency when is incorrect. they also send different information to different credit agency which is not consistent. the account has been closed for more than 7 years yet they keep sending incorrect information causing a loss of 80 points on credit report. This company keeps reporting to credit agency as if the account has activity which is does not since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account showing on my credit report that isn't mine. It's from XXXX XXXX and says it was originally from XX/XX/XXXX. I never had any service from XXXX, so this must belong to someone else.
Product: Credit reporting or other personal consumer reports

The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by DEPT OF EDXXXX. The alleged creditor DEPT OF ED/XXXX is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with DEPT OF EDXXXX. EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN claims on my credit file. 

Furthermore EXPERIAN has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX XXXX  XXXX made an unauthorized inquiry on my credit report without my permission, so did XXXX XXXX  on XX/XX/XXXX. i contacted both companies and XXXX, equifax and XXXX. i informed them that i have never had a credit in my entire life and that i've never applied for credit either and that i'd like them removed.There has been no permissable purpose. because i've never applied for credit, had a credit profile, or gave anyone allowance to check, or report any information on me to anyone, or company
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$4300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$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