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

ExperianXXXX  are intentionally reporting inaccurate information on my credit report. I have attempted to dispute multiple times, and they keep " verifying '' information unrelated to me. the only error they corrected via a dispute was my social which is a prime example of how I am sure the information is for someone else if they didn't even have my correct social security number. My info was leaked in an XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items on my credit report with these bureaus for years. Nothing has gotten removed at all. I was and still am a victim of identity theft. No one has verified any information or anything verifying that the accounts are mine, which they are n't. I need these items removed asap. The items on this bureau that need to be removed are : both bankruptcies, all inquiries except for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not belong on my credit report. I have never, ever lived there. 

Also regarding XXXX, my name is XXXX XXXX, not XXXX XXXX. 

I need assistance in getting these items off of my report as they should not be on there and they do not belong to me. I am a victim of identity theft/fraud. If they are not removed I will be filing lawsuits immediately.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to discuss my recent review of the credit report obtained from your bureau. Upon careful examination, I noticed the presence of reported late payments on my accounts and I am disputing this inaccurate information. 
I have taken proactive steps to address and rectify any delayed payments. I am pleased to inform you that other credit bureaus have already removed these late payments from their records. I am curious about the discrepancy in reporting between your bureau and others. These are the accounts that must be updated : COMENITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request your help in reviewing accounts from companies that have inaccurately reported late payments. Upon checking my credit report, I found some accounts with late payment remarks that should not be there. These accounts should reflect no late payments.
Product: Debt collection

Need account ( s ) removed asap they are charged off and still should not be showing up
Product: Credit reporting or other personal consumer reports

I cant believe how much trouble a few wrong accounts can cause. Theyve dragged down my credit score and messed up my chances at things I worked hard for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This year when I applied for credit I was told that my credit score was lower, but only with Transunion and the other two XXXX or XXXX, and I tried to get my updated credit report nd score from them, but still cant get it even through the annual credit report? The bottom line the score they have is false and they need to correct it, so I want to file a complaint and wonder they somehow have it lower than others?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked at my credit report, I was disappointed to learn that several items had been disputed. Why are they still showing up on my report?
Product: Debt collection

Seidberg Law Offices is acting as a debt collector for XXXX XXXX. The vehicle in question was repossessed approximately 10 years ago. They have been garnishing my wages to collect a estimate amount of around XXXX. With my current employer they have garnished a total amount of XXXX. That doesnt include what they have garnished of the years. I contacted Seidberg Law Office regarding this supposed debt and they stated that I owe them over XXXX. I explained that the original amount was closer to XXXX and I have been having my wages garnished sporadically of the last 10 years. They stated that although I have made payments the amount more than doubled due to interest and their fees. This is causing undo stress on myself and causing a financial burden. I have XXXX XXXX children to care for and they take close to XXXX monthly.
Product: Student loan

My name if XXXX XXXX and I am writing to see if you can help me with a Student Loan situation. My niece, XXXX XXXX XXXX, was attending XXXX XXXX XXXX of XXXX in XXXX. I co-signed 2 private loans for her in XXXX & XXXX. XXXX was diagnosed with XXXX XXXX XXXX & XXXX. We submitted the proper forms to Navient to have the loans forgiven due to her health & that she is not able to work & pay for the loans. Navient finally notified her that the loans were forgiven her due to her medical condition. But, they have advised me that I am still responsible to repay the loans. I am a single XXXX yr old retired XXXX XXXX XXXX XXXX & my only income is from Social Security & minimal pension checks from prior employment. My income is barely enough to pay for rent, food, & medications. I am in no way able to pay these loans & feel that since the loans were forgiven XXXX they do not exist any longer & I should not have the burden of paying on them. Please advise if there is anything that you can do to help me resolve this stressful situation. I will provide the loan information on the XXXX loans for your consideration in this matter : Student name : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX # : XXXX in the amount of {$15000.00} & XXXX in the amount of {$7900.00} I am the co-signer : XXXX XXXX XXXX NAVIENT CREDIT FINANCE CORP XXXX. XXXX XXXX XXXX, Pa. XXXX Any help you can give me in this matter would be greatly appreciated. 

Thank you, XXXX XXXX
Product: Checking or savings account

I had a Wells Fargo account online. I was not able to use my card at any stores or banks. My account was hacked and I called them and they froze my account to fix the problem but it was never resolved.
Product: Checking or savings account

BBVA REFUSES TO ALLOW ME TRANSFER MY FUNDS FROM MY ACCOUNT. THERE IS A SERIOUS ISSUE WITH THIS BANK. FIRST OF ALL, THEY DO NOT ALLOW ME TO PERFORM AN ACH OR WIRE TRANSFER. THEN, THEY SEND YOU AN E-MAIL TELLING YOU THAT YOU HAVE TO CALL THE FRAUD DEPARTMENT. THE FRAUD DEPARTMENT NEVER ANSWERS THE PHONE!!! 

THEREFORE, MY FUNDS ARE LOCKED INSIDE THE BBVA BANK AND THEY SIMPLY REFUSE TO MAKE MY FUNDS AVAILABLE TO ME. THIS IS OUTRAGEOUS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 I attempted to purchase a vehicle at XXXX XXXX in North Carolina. The dealership is unable to pull my credit report at that time. On XX/XX/2018 I attempted to set up a product so that I can see what the issue is with my Equifax credit report. I was unable to set up the product online and was instructed to contact customer support of Equifax. I contacted Customer support on XX/XX/2018 and was transferred to XXXX XXXX  first to verify my identification. I was told that there was an extended fraud alert on my credit that would be on there for 7 years. I also was informed that all they had to do was update my file with a phone number and my credit could be pulled. on XX/XX/2018 i noticed the charge for the product and attempted to login to see my credit information, the car dealership called and informed me that they still can not pull my report. I was not able to access my report. I called Equifax Consumer dept again and was told by XXXX who is a floor supervisor that I would not be able to access my report due to a error on the part of Equifax. I would have to wait up to 7 days for a possible resolution. At this time, it is stopping me from purchasing a vehicle. And I am very concerned for my personal information.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$1600.00} Charged off XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$12000.00} Charged off Inquiry in Dispute : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans  with Navient th at are showing 90 day past due in  XXXX    XXXX   when the account was in forbearance during that time and the time afterwards. I have filed disputes with the credit agencies several times and have also attempted to dispute the incorrect information directly with  Navient  and they refused to remove the information. I had them send me the letters showing it was in forbearance as proof and they still refused to remove the inaccuracies. Most recently in  XXXX   XXXX , I again called and asked for it to be removed and they further refused to remove it or dispute it any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have logged in to my credit monitoring and found that a positive account XXXX with Account No. XXXX is not being reported in one credit bureau which is Equifax but is reported in the other two - XXXX and XXXX I am confused as to why so I sent them a letter to have this account reported as this is tremendously hurting my score. I am trying to be approved for something and that is why it is important for me to have all of the positive accounts that would help my score to be reported as much as possible.
Product: Mortgage

See QWR notice of Error and Exhibits. 

My investor agreed on a reaffirmation agreement XX/XX/XXXX this was signed in court on XX/XX/XXXX and filed. The investors loan servicer failed to adjust my loan to the agreement and continued to send me monthly bills that included the bankrupcty cram down. The loan servicer changed XX/XX/XXXX and the new servicer Ocwen resumed where XXXX left off with the incorrect amount on the transfer documents. Notified Ocwen XX/XX/XXXX and did not get a response or a monthly statement unit XX/XX/XXXX I guess they wanted to make sure the 3 year statue of limitations ran out just one problem now that they got the loan amount adjusted they want more than half that principle paid at once or be foreclosed on. I never even got a letter telling me why or what happened to cause this large payment. ITS CALLED DISCLOSURE. 
I have asked for copies of all periodic monthly statements relating to my mortgage and any response to my questions to be returned or responded though the CFPB to me. I have found in the past when I have asked for information that the investors or loan servicing companies respond that they will need additional time or they will respond directly to me or my attorney but end up never completing the response in full to me or sending a attorney my response weeks later but not what I asked for. I have enclosed a permission letter from my lawyer in the exhibits and faxed a copy today to my POC at Ocwen to by pass any legal confusion if that Ocwen can communicate with me. I want to make this clear that any in the form of documentation or information should be sent back though this complaint. If my POC at Ocwen needs to contact me the letter will allow this they have my number and email on file. My goal here is to have a open line of communication and resolve some errors due to mismanagement of my loan and hopefully settle it out of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Transunion on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX  in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$1900.00}. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX  " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Transunion Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to b provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Product: Credit reporting or other personal consumer reports

Experian and XXXX XXXX are both reporting conflicting balance on this accounts. The FCRA clearly stated that inaccurate information must be delete from a consumer report. 15 USC 1681.
Product: Debt collection

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXX XXXX that you, the Equifax credit reporting agency , XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 3 Student loans ( account numbers ending in XXXX, XXXX, and XXXX ) opened in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by the XXXX XXXX XXXX, and a collection account ( account number unknown ) opened by XXXX ( XXXX XXXX XXXX XXXX in XXXX. A credit card opened by XXXX XXXX XXXX XXXX Account number starts with XXXX ) and XXXX XXXX bank ( account ending in XXXX ) in XX/XX/XXXX. An auto loan through XXXX XXXX XXXXXXXX XXXX ( account number starts with XXXX ) opened in XX/XX/XXXX. A comenity bank line of credit ( account number starts with XXXX ) opened in XX/XX/XXXX, and a credit card through XXXX ( account number starts with XXXX ) in XXXX XXXX accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair reporting act test creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not trade a payment on a credit card account under an open consumers credit plan as late for any purpose
Product: Debt collection

I already claimed I did not know what this debt is for and also said that my insurance covers XXXX percent of everything. If the company is refusing to disclose any information about this debt then I will not pay and my lawyer will be contacted. Saying that the account was verified by you does not mean anything to me. Show me proof or drop this issue or I will see you in court. It is as simple as that.
Product: Debt collection

Collection Agencys : Plaza Services Charging Amount : {$2900.00} Dear Sir/ Madam : Im writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally please note that I do not wish to received further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to request. See 15 U.S.C 169 ( C ). 

Thank you for your attention to this matter
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I tried to buy a puppy online and they wanted XXXX. 
XX/XX/XXXX I paid the second part and realized this was all a fraud. 
I called my bank immediately wells fargo and filed a claim. 
They denied the claim and did not protect my money.
Product: Credit reporting or other personal consumer reports

i asked for correction of payment history as predatory lending had occurred only response i received was i have no account with them
Product: Money transfer, virtual currency, or money service

I am Filling 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 take timely and effective measures to prevent and 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

During separation, the XXXXXXXX XXXX XXXX that I co-signed for was left in my possession XXXX XXXX My Husband ( XXXX XXXX XXXX filed for XXXX XXXX XXXX that listed the XXXX during our divorce- XX/XX/XXXX Total Loss date of XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX pymt of {$16000.00} to XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX was approved -XXXX  XXXX XXXX balance that can not be pd off is {$8200.00} - XX/XX/XXXX Divorce finalized - XX/XX/XXXX Contacted XXXX  XXXX XXXX XXXX XXXXo dispute `XXXX open '' status & pay $ XXXX balance which I was informed Im not allowed to- XX/XX/XXXX Contacted CFPB to file a complaint - XX/XX/XXXX CFPB closed case with no resolution - XX/XX/XXXX XXXX  XXXX reported to credit Agencies a new balance of {$22.00}, XXXX - XX/XX/XXXX Submitted XXXX XXXX Credit Dispute - XX/XX/XXXX XXXX XXXX says no new information was reported to Credit Bureaus ; however every time I dispute that update report with that new date - XX/XX/XXXX XXXX XXXX says the account is just reflecting the last information that was received prior to XXXX and no payment can be made or no new information is being reported to Credit Bureaus ; however , the credit report copy, I attached shows the last payment received is the date my husband submitted his XXXXXXXX that wasn't even approved yet. Furthermore, since I continuously called XXXX XXXX and filed disputes through my credit agencies, XXXX XXXX has now reported that my balance owed is {$22.00}, XXXX as of XX/XX/XXXX, and that I am 60 days past due since XX/XX/XXXX. I do not understand how this information is accurate and being reflected or reported correctly. I am in the process of buying a house and because of this one inaccurate update that plummeted my credit score, I am now ineligible for VA Loan. I've been working tirelessly to repair my credit after my divorce and this ongoing issue is incredibly difficult being a 100 % XXXX veteran I am very limited in what I can do to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 requesting they provide proof in the form of payment history on the attached accounts. The payment history would prove the late payments as well as verify the reporting balance. Nothing has been provided to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I think I have identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I contacted Dave last Sunday because I received a call that my granny was in XXXX. I reached out to them to ask that they delay my payment so I could go to Illinois to see my XXXX. They stated that they were unable to grant my extension so I spoke with family and was advised to revoke the ACH ON my account and just mail the payments in to pay off. I contacted them and asked them to revoke the ACH/Debits from my account but they continue to attempt to debit my account.
Product: Student loan

They constantly handle processing of my loan payments incorrectly. I have paid more than I should, so I should be paid ahead for my loans. I have autopay and they didnt process it for the month of XXXX, and now they notified me that I missed a payment!!!!! Im livid. Im paid ahead, I have autopay, I made additional payments when I have the money to do so. And now theyre messing with me and affecting my credit score. They customer service hits you with red tape and never answers a question. Im so XXXX I can not express my dissatisfaction strongly enough. Theyre taking advantage of me and messing with my credit score- Im the ideal student loan customer!!! I am paid ahead, have auto pay, and make additional payments. PLEASE help me