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

I am a member at the XXXX XXXX XXXX XXXX in XXXX XXXX, Florida. The credit union mistakingly, and without my knowledge, reported a charge off from an account that I was not privy to. I went to the credit union and they admitted their mistake and said they had removed the error from their end. I also sent a dispute to Experian to erase this error. With the dispute I included a letter from the credit union stating that it was in error and should be removed. IN UNDER 24 HOURS, Experian sent me their findings that the error in question was verified by the credit union as legitimate. This is impossible as I went to the credit union in question, and they told me that this was definitely a mistake and then they issued me a letter of explanation to send to Experian, XXXX  and XXXX to get this erroneous entry off of my credit report. I did all of these things yet Experian denied this. With thousands of complaints coming into Experian weekly, I find it odd that they handled my claim in under 24 hours, even when their website states it could take up to 30 days. It would appear that whoever was tasked to handle my case just pencil whipped the results without calling anyone. How in the world can these credit reporting agencies have THIS MUCH POWER yet they answer to nobody?!? There is nobody at Experian a consumer can speak with, you must go theough their dispute resolution office which is completely unhelpful. They should be shut down. 

Additionally, I have sent them paper copies of everything via the US postal service which they probably havent received yet. I have also contacted XXXX  and XXXX  but their dispute investigation ( s ) have not been completed yet.
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 U.S.C 1681 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Debt collection

On XX/XX/year> I received a letter from Source Receivables Management, which is a debt collector for a debt that was owed to XXXX XXXX XXXX XXXX This letter states that as of XX/XX/year> the balanced owed to XXXX XXXX XXXX was {$270.00}. It also states that I the consumer either paid or was credited {$250.00} to XXXX  When They totaled the amount of debt owed now they did not subtract the {$250.00} credited/paid amount from the original amount owed of {$270.00}. Instead, they added the credit and the amount owed and is now incorrectly reporting and alleging that I owe {$520.00}. According to 15 U.S.C 1681 ( part of the Fair Credit Reporting Act, I the consumer can dispute information on my credit report if I believe it is inaccurate, and the consumer reporting agency must then investigate and correct the information if found to be incorrect. I am asking that this account with Sources Receivables Management either be deleted for reporting inaccurate information. I need to know how was this verified as correct when XXXX XXXX XXXX sent XXXX {$250.00} to cover my bill for a promotion XXXX XXXX XXXX had saying that they would pay my bill in 90 days and that's why I sent the letters from Sources Receivables Management stating that I paid or was credited {$250.00}. But, They are still stating that what they have is correct. I need answers and this resolved correctly.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT. I will take them to court if they do not remove all of these.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute Regarding Inaccurate Derogatory Marks on My Credit Reports Dear CFPB I am writing to formally dispute inaccurate and derogatory marks on my credit reports from XXXX, Experian, and XXXX. These inaccuracies have negatively impacted my credit score, and despite multiple attempts to dispute them, no corrective action has been taken.

I have provided supporting documentation to prove these errors, yet the information remains unchanged. Now, third-party debt buyers are reaching out to me for payment on accounts that should not be reflected on my credit profile. This situation has caused unnecessary financial stress and hardship. 

I am requesting that this matter be escalated and reviewed thoroughly. I would also like to ask the Consumer Financial Protection Bureau ( CFPB ) to look into this issue and help facilitate the removal of these inaccurate marks from my credit reports. 

Please confirm receipt of this letter and provide an update on the actions being taken to correct my credit file. I appreciate your prompt attention to this matter and look forward to a resolution. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX, XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX TX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors XXXX be affecting my XXXX XXXX and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

Predatory Loans issues by Sallie Mae / Navient for a fraudulent school ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) I am requesting the Pilot Discharge Application. 

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ). As a matter of fact, XXXX has been sued numerous times over their fraudulent practices. 

Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, and am waiting the final judgement. 

My Borrower Defense Claim was also part of the XXXX XXXX XXXX settlement for which I was a post class member. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

See attached letter from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX EquifaxXXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax, XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not allow mortgage lenders access to my credit report. i have applied for different mortgages and the mortgage lenders can not access my equifax credit report. a small loan lender was able to do it with no problem. i do not know what is going on. i tried calling and they tell me that i have to send in a copy of my driver 's license etc to get it fixed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to timely and effective measures to prevent an address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek the appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX. I purchased crypto training for XXXX via zelle. Zelle not the receipent are.not giving me my money back. It is a scam. XXXX XXXX the person I paid has ignored me, the banks and zelle has ignored me. I have been given the run around for a year. All I wanted was the training. He never did that and he kept my XXXX What a stand up guy. He's now the owner of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a mortgage with XXXX XXXX XXXX XXXX about 10 years ago. Received an alert from Credit Karma that XXXX XXXX removed my account from my credit report and caused an XXXX points drop on my credit score. Contacted XXXX XXXX but couldn't get help.
Product: Credit reporting or other personal consumer reports

Hello, I purchased two sectional sofas from XXXX between XXXX and XXXX. One of the sofas were returned and my account was finally credited after months and months of speaking with countless representatives. However, the minimum payment due was never corrected. During the return process a system error occurred which increased my minimum payment to {$500.00} instead of {$30.00} which I was paying for one sofa. XXXX 's never fixed the minimum amount due for just one sectional which I purchased. My account is in a delinquent status because of this issue, I am getting delinquent calls, and notices. I have asked XXXX 's for over five months to fix this. 

I've talked to a countless number of customer service reps via XXXX number and have spent a countless number of hours trying to resolve this. Finally, a representative ensured me that the minimum payment would be adjusted and to give it 5-10 days. It has been five months and I am receiving calls from XXXX 's that my account is delinquent. In addition, my credit score has dropped XXXX points during this dispute with XXXX XXXX. I have sent emails to XXXX XXXX and have been told it's in dispute, yet the minimum due is still {$500.00} which is a default from both sectionals. I have worked hard to keep my finances and credit top notch. I need to have this resolved immediately since my due date is approaching again and my credit score is continuing to dwindle.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX, XXXX XXXX  XXXX XXXX
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was going over my credit report, I noticed inaccuracies and inquiries that did not belong to me nor do I have any recollection of XXXX then proceeded to do extensive research on what I should do concerning being a victim of Identity fraud. I read the FCRA extensively concerning my rights and I came across 605B of the FCRA Which states my rights as an Identity theft victim. I then contacted my local Police Department and filed a report. 

On XXXX I sent Equifax a letter with my police report as instructed from the FCRA concerning the identity fraud. 

On XXXX I received a letter from Equifax stating that the would block the fraudulent information and that they would investigate for an additional 30 days and keeping the Erroneous information on my credit report pending Investigation. Bad enough that I'm a victim of identity fraud and now I have to have Fraudulent information remain on my account for an additional 30 days.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX Account Number : XXXX Date : XX/XX/XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business address of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my report after your reinvestigation. You have 15 days to correct this INACCURATE information! Send me a new report after you DELETE this erroneous account.