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

On XX/XX/XXXX I submitted complaint # XXXX through the CFPB about EXPERIAN reporting INCORRECT information on my Credit Card with XXXX XXXX Bank account XXXX XXXX XXXX XXXX XXXX I stated that it was reporting this account as being 30 days late on XX/XX/XXXX and that that information was incorrect as I had called XXXX XXXXXXXX XXXX  and they promised to make a MODIFICATIONS to my account using the CARES ACT ( which is good XXXX, XXXX ) which would ADJUST my credit reporting to CURRENT and ON TIME. NOT LATE if I made a payment with them that day. I will attach proof that I was made a large payment to cover the back payment due AS WELL when they agreed to make these modifications. I had both health and financial issues during COVID which is EXACTLY who the CARES ACT was meant to protect!! 
This is now my THIRD TIME asking EXPERIAN through the CFPB portal to do a PROPER INVESTIGATION and make changes to this account. They have FAILED both times to see me as a person with rights protected under not ONLY the CARES ACT but also under consumer rights 15 US C 1681 Section 603 ( 3 ) ( E ) which States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They have YET to give me a fair and proper investigation as a matter of fact I am a PAYING MEMBER of EXPERIAN and get updates about my disputes in REAL TIME which I then can print out. As you can see for yourself in my attachments they havent lifted a finger to protect these rights which state they are NOT ALLOWED to use as stated - information shall NOT include specific factual information on a consumers credit record obtained DIRECTLY from a creditor of the consumer OR from a CONSUMER REPORTING AGENCY when obtaining information in an investigation about a dispute!!!! 
They just continue to deny me of my rights again and again.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Product: Checking or savings account

E-mails and 3 phone calls later - they can't do anything. Ive called a few times and nobody can get me my 1099 for a closed account with SoFi. Reference number is XXXX within SoFi. Just need my 1099 as it is now late to me past the XX/XX/year> deadline and I can't file taxes becaue of them.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY CARD AND USED MY IDENTITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX Balance : -.
Product: Credit reporting, credit repair services, or other personal consumer reports

We moved from XXXX  to XXXX in XX/XX/2017, paid off our utilities, changed addresses, etc. It turns out that XXXX XXXX  XXXX, in XXXX had not finalized their billing and sent notices to our former address, claiming {$240.00}. It caught up to us when a collection agency came after us. We asked for evidence which they never provided in an intelligible format. Attempts to communicate with them was like speaking to 3 year olds. We finally sent them {$100.00} to get them to stop harassing us as payment in full. They accepted the money then sent our case to Experian who quickly dropped our credit score by over 100 points. 
We contacted Experian and they said they automatically believe collection agencies. Not consumers. We called XXXX and they told us how they had arrived at the numbers and we agreed to pay. When prodded, though, they said it was not up to them to remove any negative remarks on Experian, it was up to Experian. We called Experian and they said that was not true. It is up to XXXX. 
We are willing to pay XXXX but if neither party takes responsibility for removing negative comments on our credit to restore it ( It is still close to XXXX on bpoth XXXX  and XXXX ), then why should we? 
Can you help us navigate through this nonsense and get the parties to agree to clean up our credit if we pay the {$140.00}.? 
Thank you CASE AT EXPERIAN is Report Number : XXXX
Product: Vehicle loan or lease

Car repossessed had been given a reprieve on payments due to evacuation of California XXXX and pandemic. I was temporarily XXXX. 
They towed my car once established, I had been trying to reach them and they had my new temp address. With no response or paperwork they took my car on my moving out date. 
I paid all my fines, finance charges and on XX/XX/XXXX was able to retrieve my car that was moved again to auction yard 2hrs away. I called Ally and asked for my pink slip and was told I would have to wait 45 days. I asked for paperwork that explains this. Never received anything. Gave her my new address and waited. In XX/XX/XXXX I had an alert from XXXX that I have XXXX outstanding on my credit report? 
Why no bill like other financial institutions? I pay my bills, you have my email as well. 
My car hasnt ran well since I picked up from the 2nd salvage yard. It hadnt ran since and now I need to sell it so I can buy a car. My mechanic is looking at it and said it could be from the towing and is taking photos. 
I would like my pink slip on 30 days and the XXXX charge forgiven as I have paid already XXXX plus fines that are more then the car is worth. The car had been paid in full. 
I am sending this letter as requested to out XXXX XXXX tv news station that helps consumers deal with corporations. They air the dispute on the news as well. 
I will follow up as I have reached out several times to Allys complaint and dispute department, all I get is texts saying someone will call. 5 hours no calls yet Thank you for taking care of this in a timely manner. 

Here is all my pertinent information : XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their negligence in updating my credit report to reflect that an account with XXXX XXXX has been paid in full. Despite numerous disputes with documentation and proof of payment, TransUnion has failed to update my credit report and this has caused significant harm to my financial standing. 

I have sent TransUnion multiple documents proving that the account with XXXX XXXX has been paid in full, but they have not taken any action to update my credit report. This has caused my credit score to suffer and has resulted in me being denied credit and loan applications.

I have made several attempts to resolve this issue with TransUnion, but they have not been responsive. I have contacted their customer service department multiple times, but they have not taken any action to resolve the issue. 

I demand that TransUnion immediately update my credit report to reflect that the account with XXXX XXXX has been paid in full. I also request that TransUnion compensate me for any damages that I have suffered as a result of their negligence. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Serious Delinquent Items and Negative Entries on Credit Report Dear TransUnion, I am writing to bring to your attention serious concerns regarding my credit report. I have identified multiple delinquent items and negative entries that are inaccurately reporting on my credit profile. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into these matters. 

Verification of Identity : Full Legal Name : XXXX XXXX XXXX Full Legal Social Security Number : XXXX Full Legal Residence Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX IN XXXX I am aware of my rights under the FCRA XXXX and I believe it is your responsibility, as a credit reporting agency, to ensure the accuracy of the information on my credit report. These inaccuracies have significantly impacted various aspects of my life, and I am seeking your prompt attention to resolve these issues. 

I urge you to conduct a thorough investigation into the delinquent items and negative entries on my credit report. If any of these entries are a result of fraud or identity theft, I expect you to take immediate action to rectify the situation, in compliance with the FCRA. 

I appreciate your full and undivided attention to this matter, and I expect that it will be handled without any excuses or errors. I am confident that you will address these issues promptly and accurately, as required by law. 

Thank you for your prompt attention to this matter. I look forward to receiving a written response within the time frame specified by the FCRA. 

Sincerely, XXXX XXXX XXXX Note : Make sure to mail this letter via certified mail with a return receipt requested to ensure you have proof of delivery.
Product: Student loan

I received a letter from Navient about my renewing my repayment options in XX/XX/XXXX and decided to log in into my studentloans.gov account to view my documents. 
and there are multiple errors on my consolidated loan application. 

I dealt with previous scammed third party loan servicers : XXXX XXXX XXXX XX/XX/XXXX- XX/XX/XXXX, XXXX XXXX XXXX based in CA XX/XX/XXXX- XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX -XX/XX/XXXX. 
I paid {$390.00} each since I was n't full steadily and full-time. 
The third party loan servicing companies " promised '' to lower my student amounts ; however, I have n't received a call or correspondence to send them monthly payments thereafter once I paid the initial fees so I am left in the dark about my payment status. 

XXXX XXXX XXXX reported their XXXX XXXX office as my permanent address and listed my second contact person incorrect address in XXXX, PA. 
INCORRECT!!! 
I even saw the XXXX XXXX CA address listed on my 3 credit report agencies I disputed. 
I listed the second contact person since I rented a room at a house located in XXXX, NY. 

I am perplexed still about the erroneous information on my loan application at studentloans.gov and have been reading about the negativity of Navient especially the lawsuits this year. 

I even received harassing calls about my account is flagged for loan forgiveness programs I am starting to believe there are scams. 

What is the status of Navient? 
How can I begin a new year with a full-time at a union organization wasting money at a loan servicing company facing lawsuits? 

I ACKNOWLEDGE THE FACT I OWE STUDENT LOANS BUT HOW AND WHEN CAN I EVER REBUILD TRUST WITH THE US DEPT OF EDUCATION?!!!
Product: Credit reporting or other personal consumer reports

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. XXXX. ) What is your authorization of law for your collection of information? XXXX. ) What is your authorization of law for you collection of this alleged debt? XXXX. ) Please send evidence your authorization to do business or operate in the state of Texas XXXX. ) Please provide a copy of the purchase agreement of the alleged debt. XXXX. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX  XXXX, XXXX, CA, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is not the place I got the account is totally a different place that on my account
Product: Money transfer, virtual currency, or money service

Money was taken out of my account without my authorization
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I rented an apartment to XXXX XXXX managed by XXXX XXXX. XXXX XXXX sent me a bill stating that I owed {$54.00} for a gas bill. I showed them a letter from XXXX XXXX that I did not owe them anything. XXXX XXXX letter stated that I 've been paying my utility bill to them since I 've established it before I moved in. I continued to pay my rent and the management company continued to send me letters stating I owed them money. The management company started of with saying I owed {$54.00} and continued to increase it to {$6000.00}. The management company filed a suit against me for none payment in XXXX 2014. I was not properly notified and filed a motion against them. In XXXX 2014, my case was heard in front of the XXXX Circuit judge. The management nor their attorney showed for the hearing. The judge dropped the charges. Upon, recent review of my credit report, I noticed the management company sent {$9000.00} debt to a collection agency. I had the state 's attorney 's office investigate. XXXX XXXX stated that my bill for the gas bill has increased to that amount. I disputed it stating that a hearing was held in XXXX 2014 and was thrown out by the judge. This company has illegally placed a debt on my credit report that is not mine, they did not notify me nor did they try to dispute it again in court.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : Account Name : XXXX  Account Number : XXXX High Balance : {$420.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX Account Number : XXXX High Balance : {$330.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES : XXXX : XXXX  ON XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

investigation i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their.
Product: Credit reporting

I was trying get a free annualcredit repor from equifax, and it dennied my request because when it got to the security question portion, it indicated a mortgage loan which I definately never had.
Product: Mortgage

I represent XXXX and XXXX XXXX who own a home located at XXXX & XXXX XXXX XXXX, XXXX, WA. On XXXX/XXXX/XXXX Northwest Trustee Service [ NWTS ] issued a Notice of Trustee 's Sale set for XXXX/XXXX/XXXX. Under state law, the trustee is a duty to act impartially and in good faith to the borrower, beneficiary and grantor. I 've been in communication with NWTS attorney XXXX XXXX regarding whether or not XXXX Bank has the actual note. XXXX XXXX wrote that he had been in communication with XXXX 's attorney on the issue but refuses to identify that attorney. I believe NWTS is acting as both trustee and XXXX 's attorney. I believe that is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan in XX/XX/2022 a company called BMG LOAN its for federal workers, Im no longer working for United States Postal Service which took place in XX/XX/2022. Im XXXX momentarily and Im not able to make my bi-weekly payments at this, I contacted BMG LOAN to inform them of my job loss they closed the account and now its reporting as late payment on my credit report.