23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX and EXPERIAN is refusing to remove all inaccurate information as per FCRA and ( XXXX ) has already removed all inaccurate information on my credit report see attached : you are breaking the law!!! 

If one credit reporting agency ( CRA ) removes inaccurate information, ALL CRAs must correct the information in your file : Information provider The information provider must notify all CRAs if the disputed information is inaccurate. 
CRA The CRA must : Reinvestigate the disputed information, usually within 30 days Forward all relevant data to the information provider Correct, block, or delete the inaccurate information Provide you with written results and a free copy of your updated credit report The Fair Credit Reporting Act ( FCRA ) gives both CRAs and information providers responsibilities for correcting inaccurate or incomplete information in your credit report XXXX and EXPERIAN are also violating the cease and desist I sent them previously. Reporting is also communication see case law XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX hasnt updated my information according to Credit reporting agencies information. Information related to fraudulent accounts opened in my name havent been removed and they keep updating as accurate. Inquiries and closed accounts and collections that have been removed FTC reports filed
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a payment of {$100.00} that was posted to my account in XXXX of 2019. The payment was improperly posted. {$50.00} should have posted in XXXX and {$50.00} in XXXX. As a result of this error it shows a 30 day late to my account in XXXX. They recognized the error and even credited my account for the late pays. They informed me they would also adjust my credit report. Upon checking my report this year I noticed the error and been trying to dispute it for several months. This is my third attempt with supporting documentation where they credited the late fees. I have never been late with this company or any other company. They refuse to remove this negative information from my report.
Product: Money transfer, virtual currency, or money service

Utilized Zelle many many times to send and receive payments but some payments were either not received or was delayed without any assistance or closure
Product: Debt collection

Collection was incorrectly sent to Jefferson Capital Systems from XXXX after XXXX had agreed to nullify my contract after I moved to a location where XXXX did not provide service. Jefferson Capital aggressively and repeatedly contacted me asking me to pay this debt when I explained to them that it was not valid ( according to XXXX 's own contract ). The last time I spoke with Jefferson Capital, I offered a resolution which they refused. Now they are reporting this account to the credit agencies and using it as leverage against me. I am very disturbed by their lack of reason in this matter and now it is unjustly affecting me.
Product: Student loan

1. Alt hough I have been paying my loan since  XXXX / XXXX /   2002  after a consolidation of my federal stafford loans, my original loan balance has only decreased slightly. My original amount was {$27000.00} and my current payoff is still {$24000.00}. If I continue making payments as scheduled, I will pay another 10 years and essentially pay double what I originally borrowed. I had  XXXX  windows, which one was a personal bankruptcy in which I did not make payments, but for the majority of time I have made payments.    2. I  have applied and been denied numerous times loan forgiveness for programs that I should have qualified for (  XXXX   Loan Forgiveness and Public Service Forgiveness ). Both have been denied due to loan dates and my consolidation. I have applied for forgiveness for making payments for 10 years, but was told I had to switch programs ( making b asically the same payment amount ) and start over my 10 year count.    3. I  have called  XXXX   XXXX  a nd Navient over the years with no satisfaction. I have consulted my attorney for my bankruptcy and I have written the President and been referred t  o the US Department of Education. The US Dept of Ed referred me to the same forgiveness programs that I was originally denied several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered the following company ( s ) ran an unauthorized inquiry on my consumer profile on this date : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX In addition I have a total of 10 inaccurate late payments reporting from XXXX  from XXXX. I have requested the late payments and their amounts be verifiedbe removed in a previously submitted CFPB complaint and letter to XXXX, Equifax and XXXX yet this issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received a copy of my credit report from all 3-credit reporting bureau 's ; XXXX, Equifax, and XXXX. There were collection items on my credit report that were questionable. I reached out to all three bureau 's and disputed these items and asked them to validate this debt, verify this debt and provide me with supporting documentation ( wet ink signature of a contract with my name on it ) or any supporting documentation showing that this debt is mine. The reply back was simply, this debt has been verified. 
In XX/XX/XXXX, I re-disputed these items again, inquiring about methods used to determine that these debts actually belonged to me and to provide any supporting documentation that shows these 3-debts as valid and verified. XXXX  and XXXX  failed to respond to me, failed to accurately and thoroughly investigate and failed to provide me with any supporting documentation.

The FCRA and the U.S. Congress states that the burden is on the credit bureau 's to provide documentation to the consumer that supports their verification and validation findings regarding a debt dispute. Reference : United States Court of Appeals, Third circuit, Jennifer CUSHMAN, Appellant v Transunion Corporation, No. 96-1553. Decided June 09, 1997. I cited this case when sending re-dispute request letters to all 3-credit reporting agencies, yet they have failed to comply. 
In addition, I have received a collection letter from XXXX XXXX XXXX XXXX for a debt that I don't recognize as belonging to me, as I can't recall signing anything or agreeing to anything. They have also failed to respond to my request to send me supporting documents that this debt belongs to me. 
This is negatively impacting my finances and is causing great harm to me. These bureau 's have failed to follow debt dispute procedures. I am the victim of identity theft and having documentation validating and verifying this debt is imperative. These items should be removed when they failed to accurately verify and validate the debt and send me evidence of their findings.

Please allow me the ability to submit my certified letters that included my drivers license, a current utility bill and my social security number so they may help identify me. As well as my certified letter to the collection agency requesting verification, validation and any agreement/contract that identifies the debt as belonging to me.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 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

There's a public record that is inaccurately reporting on my credit report so please check the documents I've sent.
Product: Mortgage

Our loan officer said he works for us but instead of talking with us he made decisions with the builder and then strong armed us into having to deal with it. They tried to pin us against our realtor and talked bad about them didnt stick to the information we gave when we decided to go with them in XXXX of 2023 and also were very unprofessional and did what was best for the builder. I would not let them use the VA home loan as they were not falling in the guide lines of the VA home loan terms. Very shady.
Product: Student loan

I am trying to consolidate my loans with the US Department of Education ( XXXX XXXX ). MOHELA is my loan servicer. 
They are reporting my loans as being in an " in school '' status based on information from NSLDS ( National Student Loan Data System ) that they claim has me listed as a part-time student. The information being reported by MOHELA is incorrect. I graduated from XXXX XXXX XXXX XXXX on XX/XX/2024. This school is trying to assist me in clearing up this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax breach of my information was not reported in appropriate time and executives sold stock prior to announcement of the breach making me at risk
Product: Checking or savings account

Klarna Dispute Resolutions has been incredibly unfair and inaccurate with their services to myself, the consumer. As you will read below, this company is not in favor of the consumer and only sides with the merchant in fraudulent cases. 

I purchased a payment plan with Klarna for the amount of {$2000.00} ( including the interest charged ). The merchant on Klarnas behalf did NOT provide me with ALL of the goods I was promised. I was told to attempt to reach out the merchant, XXXX XXXX, XXXX. ( illegally selling an online DIY law course to consumers come to find out ) to rectify the situation. Unfortunately, I was threatened with legal action on her behalf for breaching her contract. Absolutely at no point did I sign, nor could XXXX provide proof of this contract I agreed to. I stated again, to XXXX  XXXX that she did NOT provide me with the goods I signed up for and paid for, and was again met with threatening emails from her. At this point, I did have to reach out to my bank to dispute this fraudulent charge from the payment plan as I did not receive what was promised. I then contacted Klarna, where I was met with 2 people I spoke with on 2 separate occasions both unsure and asking me to re explain the situation as if nothing was noted. I was told a decision would be made by XX/XX/year>, and then when I called back after not hearing anything after a week, I was told a decision would be made on XX/XX/XXXX. It is now XX/XX/XXXX, and Klarna sent me a generic email last night at XXXX XXXX  stating that they were unable to rule in my favor due to the merchant providing a valid proof of delivery to the correct email address. Not once did Klarna ask me to provide my proof, screenshots anything. They immediately took the merchants side with no explanation from me, the consumer. The problem is that I did not receive the entire goods from the merchant. Furthermore, I was unable to get ahold of anyone higher up via Klarna dispute resolutions. After taking my card off of Klarnas website, I was then charged 3 times in a row for said purchase. I am very disappointed and this has caused me so much stress and overdraft fees. I hope a resolution can be made and this issue can be addressed and properly attended to in an honest manner.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 check my Experian credit report on a monthly basis and it appears that in XXXX XXXX, a company ( XXXX XXXX XXXX ) that I am not familiar with added an erroneous, negative collection account against me. On the Experian report, the Account Open date is listed as XXXX XXXX however I have Experian reports for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and none of these reports list this account. Furthermore, the account status states that " Account in dispute-reported by subscriber, Account information disputed by consumer under the Fair Credit Reporting Act '' which was updated on XXXX XXXX, XXXX however I had no knowledge this account even existed at that time to even initiate a dispute. So it appears that Experian is not actually investigating the validity of accounts that are being added to a consumer 's report. 

How is it possible for this company to initiate a dispute on my behalf? Experian has no record of me initiating a dispute regarding this account so how was it returned as Verified. Furthermore, I have not received any correspondence ( calls/emails/ letters ) from Experian oXXXX XXXX XXXX XXXX containing any information that was provided. I would like for Experian to hold this company XXXX XXXX XXXX accountable for their deceptive practices and also perform their own due diligence and remove this negative account from credit report because they didnt actually properly verify that this debt truly belongs to me.
Product: Credit card or prepaid card

Hello CFPB. 

I would like for Chase Card Services provide to both myself and you where are they getting the false allegations in regards to> Balances on accounts are high compares to credit Limits???? 
( I only owe both chase and they were way under the limit prior to the decrease limit ) Total Balances on Revolving accounts are too high???

( how an I have attached proof from XXXX> ALL XXXX BALANCES ) Payment amount above the required minimum on some chase cards is low?? 
( Have chase provide my Payments since day 1, I have paid 2x the minimum required ) Payments on credit card accounts with us are low compared to balances??? 
( With me only paying Chase, I have about $ XXXX in LOC Limits ) Number of credit cards with a balance close to the credit limit??? 
( I have attached my Credit report as proof, have chase show their evidence now ) Total Balances on Revolving Accounts?? 
( I only owe $ XXXX out of $ XXXX LOC, Less then 5 % ) Number of non installment loans compared to the time on file???? 
( I have trades since 1994 paid and paid off like clock work ) Number of inquires in credit bureau report??

( Average 3-4 to the current consumer ratio % )
Product: Money transfer, virtual currency, or money service

my paypal account is 180 days locked. i have XXXX in my account. they locked my account for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently, I placed a " security freeze '' on my account of this year on XX/XX/2018. That is false information considering I would have no reason to put a freeze on my account, did not give authorization to anyone to do this and have received no proof of me initiating this freeze. I did not receive anything in the mail in regards to this either. I am beside myself in this matter and so tired of getting the run around, loosing two contracts now on homes I wanted to purchase and the lack of empathy in this ordeal by being told, '' We have on our records that you do not have a freeze on your account and we can no longer help you ''. This has been told to me by numerous people on the phone. I have provided you all with emails and documentation for your records. Any insight with this situation would be extremely helpful. 

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

On XX/XX/XXXX, After i had fallen behind on my load payments due to a hardship suffered in my family. I tried make arrangements with XXXX XXXX concerning my account but they were unable to help me.on XX/XX/XXXX, I sent XXXX XXXX a letter that the information that they listed on my account was disputed. Nothing was received back from them. 
I enlisted XXXX XXXX XXXX to help me settle my account. They were able to negotiate a settlement for my account and after 12 successful payments to XXXX XXXX thru XXXX XXXX XXXX the account was settled/resolved and paid off on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My credit profile has been in a mass data breach 12 times with XXXX XXXX and XXXX including the dark web. It is impossible for me to obtain the things that I need to manuver in life because this keeps happening. I've tried serveral times to get these inquiries removed. I an a vitcim of Hurricane XXXX, the hurricane flooded my car and I can't get another one because I have XXXX inquires and there in cities I've never lived. I have never lived in XXXX but I have over XXXX auto inquiries. I can't buy my family a hot dog because of this. Please help me this time. It's not fair at all to have to continiously go through this type of situation. Scammers are too smart so locking my credit hasn't worked in the pass. Please give me some direction other than having to spend money. We are homeless and without a car. Please help. My address has not change I still at the same address. Where do you all get these addresses from? My mailing address is still XXXX XXXX XXXX XXXX apt XXXX XXXX GA XXXX.
Product: Debt collection

Received collections letter in the mail that PayPal Inc had sent my account to collection and that my balance was {$360.00}. I contacted PayPal and they said my account was never sent to collections. 

Letter sent by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Letter advises to make checks payable to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX payment with XXXX
Product: Credit reporting or other personal consumer reports

There are some obvious errors in some of my accounts. Please delete these items immediately. It looks like someone literally started a life using my information. I have always paid things in cash and was astounded when I had someone look at my credit. I had previously hired a credit repair company to handle this for me a couple months ago. However, I think they are used to dealing with clients who are ACTUALLY GUILTY. So, I am trying to handle this myself. At the very least please delete these items below until a thorough investigation has taken place. I can barely purchase a bottle of water with what my credit looks like now. I have attached my passport and ID to verify my identity. I assure you none of these accounts will have MY SIGNATURE. Any signatures you may have is due to the person mentioned in the IDENTITY THEFT REPORT stealing my identity and literally starting a life with my information. This is not a Dispute Letter but a Letter of Suppression of the items stated below due to identity theft. 
Account XXXX with XXXX XXXX XXXX Account # XXXX with XXXX  XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account ID : XXXX XXXX XXXX XXXX Account ID : XXXX XXXX XXXX  Account ID : XXXX XXXX Account ID : XXXX XXXX  Account ID : XXXX XXXX XXXX Account ID : XXXX XXXX XXXX  Account ID : XXXX XXXX  XXXX  XXXX  Account ID : XXXX XXXX XXXX Account ID : XXXX XXXX XXXX XXXX Account ID : XXXX
Product: Mortgage

1. My insurance broker overcharged Bank of America approximately {$10000.00} which they notified me and submitted a check to Bank of America to reimburse them in XXXX of 2021. 
2. Because of the overcharge this placed my escrow account at a negative {$10000.00}.

3. Upon receipt of the approximate {$10000.00} check, Bank of America did not replenish the {$10000.00} in the escrow, but instead took the money and applied to other accounts.

4. This then caused numerous accounting anomalies resulting from the remaining negative escrow account. They, Bank of America, would take my monthly payment and break it up into what I call creative banking accounting, making partial payments to different items. 
5. Then they transferred my mortgage to XXXX XXXX on XX/XX/2021 with the negative Escrow 6. New lender states I have to replenish my escrow by the end of the month or face legal proceeding 7. I have uploaded the ups reciect that the insurance delivered the check to Bank of America. I also uploaded the Bank statement for XXXX and XXXX showing how they appropiated part of the payment which was not the escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.