23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a student loan with Sallie Mae. I have paid this student loan off in XXXX payments in XXXX XXXX and XXXX XXXX. I have submitted proof several times that I have made the payments. The proof I have submitted is the receipts and bank statements. I have been called a liar by Sallie Mae and have been told that I have altered the bank statements which is n't true. I have even offered a bank statement that shows the amounts being withdrawn from my account and the statement has been stamped and signed by the banks branch manager, Sallie mae has refused to look at this. Sallie Mae has defaulted my loan and has now threatened me to pay {$2600.00} by XXXX/XXXX/XXXX which I do n't have not should I have to pay because I have paid this loan off or they will turn this over to a collection department and this will be detrimental to my credit. I really need help with this so it does n't impact my credit. Sallie Mae has been the worse creditor to have to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED IMMEDIATELY. 






XXXX XXXX ( XXXX ) XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 accounts which is found to be opened due to identity theft. The dispute items 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 these files. If you feel there is a possibility these accounts 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$13.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, and US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account I did not attend school and this is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXXDEPT OF ED Account number XXXX MOHELA/DEPT OF ED Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX  Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Checking or savings account

I set up a joint account with my sister who has XXXX XXXX with Capital One. No money was put into the account to fund it. I was not given access and the account was locked. I asked to close the account since no money was placed and capital One will not let me. I asked them to stop sending reminder emails and they stated they can not stop that either even though it is affecting my sister 's XXXX XXXX. I gave them all my information and they said they can't do anything until they can verify my sister, who does not live in the same area as me and does not have a cell phone. Their process is not fit for someone with her condition or resources. So they will keep sending her a message to correct her information and fund the account. They need to stop this immediately.
Product: Mortgage

My mortgage company keeps sending third parties to my house to do site inspections. I have contacted them via writing to let them know that we are currently living in the house. The company replied to me regarding my request to have them stop their site inspections. The letter dated XX/XX/2017 stated that " please note, inspections will continue as deemed necessary ''. The reason I asked them to stop is that our son suffers from chronic mental health conditions. When he sees strange people walking in our driveway and taking pictures it causes mental health distress for him. I also suffer from panic disorder and these actions are detrimental to my family 's well-being. My understanding is that as long as I am communicating with them stating that we still live there ( which I have been ) that there is no need to continue to inspect the property.
Product: Credit reporting or other personal consumer reports

after carefully reviewing my credit report i have notice the accounts listed below are not mine i do not owe debt or have a contract with these companies law 15 u.s.c 1681 5-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX i would like these accounts removed from my credit report asap which is hurting my ability to obtain credit & purchase a home
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

XXXX, account number, XXXX, inaccurate amount shown on the credit report. 
XXXX account number : XXXX, inaccurate amount shown on the credit report. 
XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX. 
CITI XXXX inaccurate amount shown on the credit report. I have disputed the amount several times. 
XXXX XXXX, inaccurate amount shown on the credit report. 
XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report. 

XXXX XXXX Account closed company stop reporting and no longer in operation. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 

The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( a ) ( 5 ) Section States : 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 ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report.

Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further. 


I look forward to a prompt resolution of this matter. 


Thank you for your assistance. 
Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Your agency has repeatedly ignored my requests to fix inaccuracies on my credit report, violating the Fair Credit Reporting Act. Despite my efforts to resolve the matter with the creditor, your refusal to verify information displays negligence. The following errors are still on my credit report, adding to the distress caused by your agency 's actions : The only address that should be reporting on my file is " XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX '' Please REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX
Product: Student loan

Unfortunately, I had to get a student loan through Sallie Mae to help with the XXXX of school. I graduated in XXXX 2016 and have yet to get employment even though I am actively looking daily. My 6 month deferment was up in XXXX, but did not receive billing until XXXX ; thus putting the account already a month behind. Payment was made in XXXX and a payment was made prior this month. The last 3 days, they have called multiple times a day to me and my mom who cosigned leaving messages. It is near to impossible to get them on the phone. Last month I spoke to them and explained I do not have a job yet and I do not have the money to make the payments right now and asked for a deferment or forbearance. I was told the only thing they could offer was a 16 day deferment. I knew this was incorrect, but did not go against them at that time and a payment was made. Well even though a payment was made last week, they are calling my mom and me multiple times a day even though I have explained the situation. They have offered no assistance even though they state if you have difficulties making payments they will be glad to help you. This organization is the worst and causing me even more XXXX on top of not having a job already. They do not care!
Product: Mortgage

RUSHMORE LOAN MANAGEMENT SERVICES LLC / XXXX XXXX, Customer Service Representative. This business continues to contact me, about an account that was transferred to them from XXXX XXXX XXXX, this account is in dispute, due to XXXX XXXX XXXX not being able to provide the SIGNED documents on the XXXX XXXX XXXX REFINANCE, that was acquired by them in XXXX of 2008. XXXX XXXX XXXX ca n't provide the information on the XXXX electronic transfer of funds, which was part of the XXXX XXXX XXXX REFINANCE. This account is in dispute.
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 1681 Section 604 A Section 2 : It also states a consumer reporting agencv can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccuracies and incompleteness about a tradeline reporting on my consumer credit report with the agency and they failed to investigate the issues but instead responded to my dispute stating the information was verified as accurate. this is stated in the letter attached to the complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling, and there should be no variations listed. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : The only job I need listed is : XXXX XXXX XXXX XXXX XXXX Therefore, I kindly request that you delete this inaccurate information, as it is causing difficulties in ensuring my report is clean in the best possible way for me to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XX/XX/2022, I went to XXXX located in XXXX MI XXXX start services. I explain that I would be in Alaska for a couple of months and wanted to know if they covered the area. I was assure that it was covered, so I opened a no contract account meaning I paid my bill on a month to month basis with no obligation. The only fee I would have to pay is if I decided to reactivate the account. Once in Alaska I began to notice service interruptions and contacted XXXX. From XXXX I would have to contact them to troubleshoot because thats what I was instructed to do if service interruptions occurred. It wasnt until XXXX after I paid my bill in XXXX that I no longer had service/data. It wasnt until then a XXXX  representative explain to me the XXXX doesnt exactly cover Alaska. However they have a contract with an ( allotted amount of data ) from a local company which allows clients to use data. I had apparently reached the allotted and could no longer use data and my services were permanently XXXX. XXXX apologized for the misleading information I received. They added a detailed note to my account explaining that I am not responsible for any charges/fees moving forward after and closing the account. I now have a derogatory credit showing on my report saying XXXX sold my information to a creditor who is try to collect a debt that I am currently disputing. This is my attempt to protect myself and my credit and have it removed from my report.
Product: Credit card or prepaid card

While the cousin of my husband was staying at our residence, he accessed my personal information and opened, and maxed out, a Discover credit card. Since he was staying with us he was able to intercept our mail in which the Discover card came and also ordered products to our address. He, at times, used our checking account to pay for this fraudulent account as we had no knowledge of what was going on. My husband and I have been trying to work with Discover for over 9 months and have been getting the run around. They claim they been trying to contact me but explained to them that I cant speak during school/work hours and gave them permission to speak to my husband. When I do return calls they claim they are " working on it '' and no new information is available then I receive letter stating that the " investigation '' is complete. We haven't seen the cousin in about a year and a filed a police report along with a FTC report and all proper documentation has been mailed to discover along with the 3 credit bureaus but Discover keeps changing the account number so the bureaus can not recognize the fraud account.
Product: Credit reporting or other personal consumer reports

i have told credit karma to stop reporting inaccurate information they keep reporting. I need there insurance information to file a claim with there in insurance company with there error omissions insurance. They keep reporting XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. These company agreed to cease and desist .also i filed a CFPB complaint against these companies. This is my secondfiling on credit karma
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 SECTION 602 A : States I Have a right to privacy.

15 U.S.C 1681 SECTION 602 A SECTION 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

Experian XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX ( Note ) - dispute with all credit card companies mentioned in above paragraph and all 3 credit bureaus Experian XXXX and XXXX ( Alert on credit file and to add on now my exact updated info is being used for credit card apps as to not get denied or bypass fraud dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company by the name of XXXX XXXX XXXX reporting that in 120 days late, which Im not, my account was transfused to a next company so I dont understand why they reporting. This negative items on my report
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the lack of investigation and proper documentation provided by XXXX regarding inaccuracies on my credit report. I have previously reached out to XXXX concerning the discrepancies, but I have not received a satisfactory response or resolution. 

XXXX : - XXXX XXXX XXXX  - inquiry on XXXX My personal information was part of a cyber breach. This inquiry was not done by me or in my behalf and was done unknowingly with my personal information. 

- XXXX  XXXX Credit - inquiry on XXXX My personal information was part of a cyber security breach. This inquiry was not done by me or on my behalf. This inquiry was done unknowingly with my personal information EQUIFAX : XXXX XXXX # XXXX : the account is not reporting properly on my report as this account is closed. 

XXXX XXXX XXXX : # XXXX : the account is not reporting properly. This account is closed. 

XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 
ALL INQUIRES FROM XXXX  should be removed from my credit reporting with Equifax XXXX : XXXX XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX # XXXX : the account is not reporting properly on my report as this account is closed. 

XXXX XXXX XXXX # XXXX this account is not reporting properly. This account has no balance as is closed. 

INQUIRIES FROM XXXX Should not be reporting on my credit report and should be immediately removed. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair investigation of the disputes I raise. However, I believe that XXXX, Equifax, and XXXX have not conducted a thorough investigation as required. I have provided all necessary documentation to support my claim. 
All of these items are reporting on my credit report incorrectly and have not been investigated and corrected accordingly. 

I request that the CFPB assist me in resolving this matter and ensure that my rights are protected. I would appreciate your guidance on the next steps to take, and I hope to receive a response from you soon. 

Thank you for your attention to this matter. 

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

THEY KEEP REPORTING THIS FRUAD ACCOUNT ON MY REPORT THEY SEE THE XXXX THEY JUST DONT WANT TO FIX IT THEY HAVE ALL THE DOCUMENT TO BLOCK OR REMOVE IT.