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

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard Inquiry on Equifax credit report : XXXX XXXX XX/XX/year> I havent had any recent credit requests.
Product: Mortgage

We were in BKXXXX, which has now been completed as of XXXX XXXX, 2017, according to court records. Our payments have been XXXX. NationStar force placed insurance, increasing our payments to {$1200.00}, according to my documentation from them, as well as the courts. However, we have received information from there website that our payments are {$2100.00}. We have called and ask for an explanation but we kept getting transferred, place on hold and transferred again. We are right out of bankruptcy XXXX, along with the fact that the bankruptcy itself was a nightmare ( separate complaint to follow ) we are again faced with hindrances, making if nearly impossible to move on with our lives, because one department does not know what the other is doing.
Product: Mortgage

See complaint no XXXX dated XX/XX/XXXX XXXX XXXX XXXX   was asked to ***1. Explain undocumented additional charges on statements from XX/XX/XXXX to present ***2. Explain the exact criteria to qualify for the available {$10000.00} deductible on flood insurance policies.

***3. Remove the {$39.00} late fee charged in XX/XX/XXXXbe removed as the payment was made timely but allocated to undocumented charges before being applied to interest.

The reply only addressed the undocumented charges.

I also would like an explanation as to why Capital One purchased an excess flood insurance policy for {$57000.00} in XX/XX/XXXX when there was an existing policy for {$100000.00}. The duplicate policy was purchased inXX/XX/XXXX BEFORE a decision regarding the {$10000.00} deductible was made on XX/XX/XXXX Initial reply ofXX/XX/XXXX ignored the criteria for the {$10000.00} deductible and the late charge in XX/XX/XXXX for a payment that was made on time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.

XXXX XXXX**** XXXX XXXX XXXX   XXXX XXXX/XXXX/XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

I started by disputing with the collection company XXXX XXXX which is the collection agency my debt has been sold to. When doing so they just said that they verified the account on their end. Which is incorect according to the dates I have on file. 
The Name of this account is XXXX XXXX Acct # XXXX. 
I then disputed with both XXXX and Experian twice about this account that is past the Texas XXXX XXXX XXXX which is currently 4 years. 
In my disputes letters I stated that not only are the dates wrong of when it says the account was opened but it is also past the Texas statue of limitations. Each time I have disputed and provided the documentation from the original creditor that shows this account was opened XX/XX/XXXX. Both times that I have disputed these items they come back as verified with the credit bureaus. The only thing that seems to be updating on these accounts is the date when the account was opened which they currently have as XXXX, XXXX which is innacurate. Each time I have diputed these dates have been randomly pushed forward. 

When I called these organizations to get a better understanding of why they were coming back verified, I was litterally told that the credit bureaus do not actually verify this information themselves and that they send it to the collection agencies to verify but no actual investigation is done on the credit bureaus side.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a complaint via mail regarding inaccurate information on my consumer report. I had also submitted information via online on XX/XX/2019 I submitted a dispute with documentation. There is a judgment on my consumer report that does not match my name it is similar however it is not me. I also have a bankruptcy that is due to identity theft I submitted the FTC report, letter from the bankruptcy court advising that the information is inaccurate. Lexis Nexis states that they have verified the information but from where and with what documents. I have documentation to dispute their claims of validation.
Product: Credit reporting

Since my bankruptcy discharge, XXXX XXXX, 2016. I have disputed incorrect information on my credit reports through all XXXX major credit bureaus multiple times online over the past 3 months. This is becoming very frustrating and although all XXXX CB 's with each complaint, did slightly alter some information such as " chapter XXXX '' when I filed chapter XXXX, the post bankruptcy reporting is not per the Fair Credit Reporting act. All XXXX of the accounts still showing as negative, charged off, are keeping my scores in low XXXX. As well at my debt to income isnt accurate. Please assist me in this step of my attempted credit repair?
Product: Checking or savings account

I can not connect to finance apps that use XXXX.
Product: Debt collection

On XXXX XXXX I was sent a notice of collection from resident collect, Inc. that I owed XXXX from XXXX which I moved out from on XXXX XXXX 2016. A few days prior to this notice, I received several move out statements from XXXX XXXX with misleading charges. On XXXX form I 'm being charged a higher rate for the replacement of carpet and vinyl flooring. While on a XXXX form it list charges to replace the carpet and vinyl flooring at a combined price for much less. I spoke with XXXX concerning these charges and they say it amounts to the same charges which it does not. I was also charges for the replacement of vinyl for the entire flooring in the kitchen although I only cause minor scratches to a portion of the flooring. I was told that the entire flooring must be replaced. Another section of the vinyl flooring was damaged by water due to the negligence of the apartment maintence by not cleaning out the drains for the washer machine connections. Several maitnence calls were placed to correct the drainage issue as well. In total, I have three different total for the same damage and requested a dispute of these charges. Instead, resident collect reported this incorrect debt to the XXXX credit reporting agencies without acknowledging my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re

ceivables Performance Management LLC. Has violated the Fair Debt Collection Practices Act, and Defamation of my Character
by breaking these laws. Attached is a copy of an AFFIDAVIS OF TRUTH, a copy of Exhibit A, and an INVOICE for the violation they broke
Product: Checking or savings account

I had a checking account at Investors Bank since XX/XX/XXXX. 
When Citizens bank bough Investors bank I was informed that my account will be closed in XX/XX/XXXX. 
Since that date I have not received the dollar check with my remaining balance on my closed accoun ( around {$2700.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A. Section 604 A. it also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 {$830.00} Settlement was paid to FCO Requesting a deletion off all credit reports and a conformation email stating that this has been paid.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reported late payments on the following closed accounts. I demand that you investigate these matters immediately and rectify the errors on my file. These inaccurate late payment entries are damaging my credit history and reputation, and they have no place on my record if they are the result of your company 's mistakes or oversight. 

Account Details : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX These inaccurate reports are completely unacceptable. As per [ cite any applicable law, if relevant, such as the Fair Credit Reporting Act ], you are required to ensure the accuracy of all information reported to credit bureaus. I will not tolerate the continued existence of these erroneous late payment marks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, These Companies below have violated my Federally Protected Consumer rights to privacy and my rights to confidentiality, under the 15USC and 1681and1681sec 602 and 604. 15usc 1681 sec 602 A States, I have the right to privacy. 15usc 1681 sec 604A sec 2 also states a consumer reporting agency, can not furnish accounts without my written Instructions. 15usc 1681c sec A ( 5 ) no consumer reporting agency may make any consumer reports containing any of the following items of information or any information, other than records of convictions of crime with Antedates. The report more than 7 years.15usc 1681. If a person knows or have congressional reasonable cause to believe that the information is inaccurate. 
XXXXXXXX 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

From XXXX, my XXXX XXXX XXXX XXXX account number XXXX was included in a Chapter XXXX bankruptcy filing. Once the Chapter XXXX is removed from my credit report, the associated derogatory reports are supposed to be removed also. On my current Equifax report, those derogatory payment reports from XXXX remain. I disputed this situation with Equifax ( attached Dispute # XXXX ), but received a response saying that the XXXX  XXXX XXXX investigated and is reporting accurately. 

That is clearly not the case. For this report, I attached the same document evidence provided to Equifax, and I assume, then forwarded to XXXX  XXXX XXXX - an extract from my XX/XX/XXXX credit report showing the account was clearly included in the Chapter XXXX bankruptcy. Back in XXXX, once out of bankruptcy, I was allowed to negotiate with the bank to modify the loan to bring it current. So, now that the Chapter XXXX has aged off my credit report, I expected the derogatory payment reports associated with it to be removed also.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX BALANCE {$8400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency Account Name & Account number was properly investigation. But how is that possible if the account is fraud and I am a victim of Identity Theft. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report as well. The following accounts are : XXXX XXXX XXXX XXXX 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: Bank account or service

Scottrade, a very discount broker ( think - " you get what you pay for '' ) allowed my account to be hacked while I was traveling abroad, likely as a result of the data breach that occurred at Scottrade years ago. 

In short, Scottrade refused to act professionally to resolve the situation and avoided my calls, letters, and email on numerous occasions, essentially burying the matter. This caused me to write to the CFPB, requesting that Scottrade provide me with a link to their dispute resolution procedures. Scottrade refused to provide me with instructions on how to file a formal complaint. 

I am writing this complaint in hopes that Scottrade will properly respond to my previous request and amend their procedures so future customers do not get harmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this final notice to your offices .Past this point, the CFPB will have authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. please send with your return receipt respond to the CFPB that you did answered the affidavit 15 working days should be good to respond seeing that you validated it and must have investigation at hand. this pertains to XXXX XXXX, Transunion, XXXX, XXXX complete documentation of your Validation investigation, XXXX XXXX A consumer contract with my signature, yours and companies on same contract allowing you to report to the CRA 's
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX, XXXX, And Experian Via XXXX Mail on XX/XX/2023 To Remove These Fraudulent Accounts Off My Consumer Report, These Accounts Have NOT Been removed Since I Mailed Letters To these companies I Have requested Proof Of Ownership and Have Explained these accounts were opened without my knowledge and is a DIRECT result of identity theft I have sent various documents to verify my identity, yet this company VIOLATES FCRA Laws 611 ( a ) and also did not properly investigate my disputes and remove information, I have since then filed an complaint with the FTC regarding this matter.
Product: Consumer Loan

cosigned for a loan for XXXX. she had all cash in bank at the time to pay off loan. 
when I read the information they had changed that XXXX lived me which she did not and that she worked for me which she did n't. she then paid off loan after ally finanancial said the transaction would happen immediately and then XXXX removed the funds from XXXX bank and took possession of car. Ally financial did not let me know till nine days latter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax to pls provide detailed verification of this debt listed below. I've stated the following to them : I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Im requesting an investigation because I felt the item was not being reported legally. How was this information verified? Prove that this listed debt belongs to me and not someone else. Im request for sufficient legal proof under the FCRA. 

Information in dispute : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX XXXX # - XXXX Amt. {$110.00} And that A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent deletion of this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid off for over a year but its still showing up as a delinquency although paid and closed. I also received a credit back from Bank of America. This is keeping my score from moving forward which is keeping me from things I need to be a productive part of society. Please remove this from my credit report
Product: Credit reporting or other personal consumer reports

Hello! Please give attention to my follow up. I need these inquiries harming my credit reports REMOVED from my credit file. I am hoping and truly expecting that the Experian, XXXX and XXXX credit bureaus will remove all these inquiries I listed once more in these complaints : EXPERIAN : XXXX XXXX XXXX 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 card or prepaid card

XX/XX/2022, contact by collection Agency due to an unpaid Capital One credit cart of XXXX. Never opened this account and have no knowledge of it. XXXX, received notice of suit in small claims court for balance. 

Request credit report and noticed two other cards, XXXX XXXX ( XXXX ) and XXXX card ( XXXX ). Have no knowledge of both, contact applicable companies and initiated fraud complaint. XXXX XXXX Police and made complaint ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX and 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : 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: Student loan

I am XXXX, with a retroactive date to XX/XX/XXXX. I found out I had student loans with Navient, they refused to help me file an identity theft issue. I spoke with them multiple times, between XXXX and XXXX, and told them I was XXXX and could n't work, and was waiting for a decision from Social Security. I told them I had Medicaid and got XXXX. They told me to put my loans in deferment and forbearance status, and that no interest would accrue. They told me that once I was approved for XXXX, they would discharge the loans. I was approved for XXXX in XX/XX/XXXX. When I sent them the award letter, they said that they could n't discharge it because my review would be in XXXX, even though they said I was XXXX since XXXX and that entails a review 5 years from the date of award, they said I did n't qualify for XXXX discharge because I had a review scheduled in 2 years, not 5 or 7. They then told me to defer and forbear my loans again, and that no interest would accrue. I told them I made XXXX per month. Last month, Navient sent a letter saying a payment was due for {$9.00}. I paid it. Then they told me next months payment would be {$150.00}. I spoke to the Department of Education, because I had loans due to them to, and they told me I needed to apply for income based repayment. I applied through student loans.gov to do income based repayment for navient and department of education. They approved me with a monthly payment of {$0.00} over the next 25 years. I logged in to Navient and it was approved for {$0.00} over 25 years, with annual renewal forms. However, I noticed interest has accrued on my loans since XXXX. Navient never told me I could apply for income based repayment, and the department of education did not tell me that either until I started crying on the phone because I could n't afford payments and the interest kept accruing. Basically I qualified for income based repayment since XX/XX/XXXX when I applied for social security benefits. And nobody told me. I could have entered an IBR then and had three years worth of {$0.00} payments completed and be 3 years closer to having my loans forgiven/paid off! And I also would n't have to pay back as much money, because instead of interest building up for three years, I would have made the $ XXXX monthly payments. My credit score was destroyed because of this, and I had to go to bankruptcy because my credit score was so bad. I cant get a mortgage or anything because my credit score was severly damaged by navient and the department of education. they should have told me about income based repayment years ago when I became XXXX and told them I was awaiting a social security XXXX decision and had NO INCOME.