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

I XXXX XXXX XXXX XXXX XXXX SAW YEARS AGO THAT SOMEBODY MADE/OPENED A C4EDIT CARD WITHOUT MY PERMISSION. TO MAKE TBHIS SHORT I S3NT A NORTERIZED, REHISTETED. AND MY LAW FIRM GAVE ME SECTION 609 AND 625 OF THE FAIR CTEDOT REPORTING AGENCY WHICH GOVES THEM 30 DAYS TO PROVE I SOGNED FOR CARD, WAS AWAIR OF CATD AND CHARGES MADE WITH MY SIGNATURE BIT ION ONE MONTH THEY TELEASED XXXX CASH TO A THIEF. THEY TRICKED ME AFYER GETTING BACK FROM XXXX XXXX PROGRAM WETE I WAS DURINHG THOS WHOLE SOTUATOON WHICH I S3NT TJEM PROOF. I SENT THEM DATES I WAS XXXX  AND POLICE REPORTS AND CONYRACY OF SECYOON 609 AND 625 OF FCTA THAT GAVE THEM 30 DAYS. I GAVE THEM 3 MONTHS NOW WITH REGISTERED MAIL RECIEPTS AND NOTETIZED LETTETS. I ALSO SENT TO EACH CREDUT AGENCY BUT THEY PREFER ME TO HAVE TO PAY LAWYET TO SUE AND WHEN FOUND THEY WETE WRONG THEY COULD DELAY FOR YEARS. MY RETAINET WITH XXXX XXXX XXXX HAS XXXX DOLLAR RETAINET BUT THOS IS 4 YEARS IBTO THIS AND 7SAA HAS BROKEN LAW. MY LAWYER TOLD ME THAT WITH ALL THE INFO. FROM FCRA AND SECTION 609 AND 625 WERE NOT MET, O DO N'T NEED LAWYER. YHESE GUYS ARE SO AGAINST WAR HEROS IT MAKES ME SICK HOW THEY SAY THEY WORK FOR OUR 1 % OF AMERICA. I WAS IN XXXX, IN, XXXX AND XXXX. ALL WITH HONORABLE DISCHARGES AND HAVE DOD IS THAT BASOCALLY SAYS I AM IN MILITARY TILL DAY I DIE BECAUSE OF XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX THAT XXXX TOP XXXX. THIS COMPANY IS NOT BEING A LEGAL BANK. AFTER 30 DAYS OF MY REWUEST THEY SHOULD HAVE TAKEN OFF C5 EDIRT REPORY AND APOLOGIZED. I EVEN SRNT THEN LETTER FROM XXXX IF THEY CAN BREAK THE LAW AND MAKE ME KOOSE EVERYTHING I WORKED FOR BECAUSE THEY ARE HARD HEADRD COMPANY THAT ALLREADY WROTE THOS THEFT OFF. THEY SAY THEY TALKED TO ME DURING THIS CASH WITHDRAW WHEN IN LICKED DOWN XXXX   XXXX PROGRAM US JUST FUNNY AND DAD. THEY NEED TO DO WHAT FEDETAL PAW SAUS WITH ALL THE REGISTETED, NOTTERIZED, POLICE RSPORY AND LETYETS SHOWING I WAS IN XXXX PROHRAM. TJIS AS FRAUD AND THEY ALREADY WROTE OFF ON TAXES BUT STILL GIVING ME RTROUBLE. IF I TAKE MY LIFE SAVINGS AND THEY LOOSE AND HOLD MY MONEY FOR DIFFETENT WAYS THEY CAN HOLD MY CADH FOR YEARS UP9N YEARS. I WILL BLOW. ALL THEY NEED TO DO IS KNOW I SENT THEM 609 AND 625 MONTHS, AGO 3 TOMES AND TJEY JUST LAUFGJED AT ME BECAUSE 9F GRAMMAR FROM XXXX XXXX. THIS WAS FRAUD AND THEY ARE NOW BTEAKING FEDERAL LAW. I HOPE I DO N'T VECOME HOMELESD BECAUSE OF THIS BIG COMPANIES DONALD TRUMP SAYS WE ATE MAKING BILLIPNS FOR. I MEAN HIS XXXX SPEECH SAYING VETS AND MILITARY ARE MAKING BANKING INDUSTRY UNTOUCHABLE. WELL HE WAS N'T XXXX IN XXXX AND XXXX AND IN AND XXXX. ALL I WO N'T IS XXXX XXXX BANK TO GO BY FEDERAL LA3 AND TAKE THIS OFF C4RDIT JUST BECAUSE 9F 609 AND 625 I SENT. 

GOD BLESS AMERICA AND IF I BECOME HOMELESS OVER C4EDIT F4AUD AND IT IS THIS BIG BANK? WOW.
Product: Debt collection

They call me during working hours that I told them not to contact me and they repeatedly call every single day and multiple times a day.
Product: Credit reporting or other personal consumer reports

When I apply for credit and get denied, my denial letter will state that my credit score is far different than the credit score that I get on the paid accounts that I have with each individual credit bureau by XXXX points or more. I have different accounts with different credit improvement apps and each app will tell me that my credit score is different, even though it's the same credit bureau. I don't understand how they can have XXXX point or more difference depending on what app you use. I can understand maybe different credit bureaus. It's the same credit bureau though. How am I getting XXXX point differences? I wouldn't apply for credit if my credit score is as low as the companies that are denying my credit shows. I don't understand why I'm not getting the same credit report as the company 's that are requesting it? Also the credit bureaus refuse to take old information off of my account. They have names that are not mine on my credit report, accounts that are not mine on my credit report, social security numbers that is not mine on my credit report, addresses that are not mine on my credit report, the list goes on and they will not look into it. I put in a disputes and it will go off my reports for a month or XXXX and then they'll put it right back on there.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report by Experian. This dispute is submitted under the fair credit reporting act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the consumer financial protection bureau ( CFPB ) have brought to light significant concerns regarding Experian failure to conduct proper investigation. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in Sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items with 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 

Account Name - 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  Provide me with all documentation used to verify the accuracy of the disputed information. 

3.Correct or delete any information that can not be verified or is accurate, as mandated by law
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.. Remove the accounts 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 was stunned when I saw inaccurate accounts on my credit report this morning. I have no idea where they came from! I check my report regularly, and this has never happened before. I tried refreshing my browser, hoping it was just a glitch, but the wrong accounts were still there. Now Im requesting that you carefully review the documents I sent so that I never have to worry about this happening again.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 agency can not furnish a account without my written instructions. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, TransUnion and XXXX have yet to correct the following issues. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681. 

Additionally, this debt is the direct cause of the buildings management team mishandling the disconnection of utilities for an apartment I no longer resided in as utilities were sourced through them.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the presence of inaccurate information on my credit report. Upon reviewing my credit report, I observed that these accounts are inaccurately reflected, causing undue harm to my credit profile. After engaging directly with the respective companies, it was confirmed that the inaccuracies originated from a miscommunication stemming from their internal errors. Specifically : Account statements were sent to the wrong address, resulting in delays and confusion about the accounts statuses. 
The companies have recognized and rectified the address discrepancies within their systems. 
Both companies have assured me that the accounts should correctly display as either open/never late based on their verified payment histories and statuses. 
I respectfully request that Experian rectify these inaccuracies by : 1. Removing any erroneous late payment entries associated with these accounts.

2. Updating the account statuses to reflect the accurate information as confirmed by the respective companies. 
This correspondence serves as a formal dispute under the provisions of the Fair Credit Reporting Act ( FCRA ). I request that you initiate a thorough investigation and ensure that the necessary corrections are implemented within the statutory time frame. 

XXXX XXXX XXXX
Product: Mortgage

I made my house payment online on XXXX/XXXX/16. 1 day before the grace period ended. I logged into my US Bank mortgage account and made the payment. I received the thank you for your payment screen. I then checked my email and I received a confirmation number in an email thanking me for my payment. So I thought it was all good until a week and a half later when I went online and checked my bank account ( NOT US BANK!! ) and noticed they have n't taken my house payment out yet? I went to US Bank site and now it shows a late fees so I called them and the recording also states I made a payment on XXXX/XXXX/2016. I finally got a lady on the phone and she said there was a clerical error. I said okay so you are going to remove the late fee then right? She said no I told her I have a confirmation email and she said that does n't mean anything, I told her there was no error when I made the payment and again she said that does n't matter, I told her that the phone recording says I paid on the XXXX too! Again her answer was that does n't matter! She also said I have to make the payment on the phone now to avoid the payment being 30 days late which will cost me another {$11.00}? How can they say thank you for the payment, send you a confirmation # and say thank you for your payment and the recording when you call says a payment was made on XXXX/XXXX/16 and STILL charge you a late fee? Also why was I never emailed saying there was an error please call or visit the website? What if I did n't view my checking account online and waited for the bank statement to come to balance my account? Is this even legal? I would also like to note that I will only pay online now because I had a past late fee and US BANK said they did n't receive my payment in the mail until after the due date? It was being sent to a location only XXXX state away from me. US Bank claimed they did n't receive it until after the due date.. I sent the payment in 12 days before the due date. Their excuse was they do n't control the post office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently my credit application was dismissed, and the online credit report that I recently recieved, your credit bureau issued the report that was used to determine my credit evaluation. 

Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. 
In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have accounts listed that are not accurate, they are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. 
Reason for Deletion My credit application was denied : when I reviewed my credit history I notice there were no details and I have no documentation or paperwork of ever doing business with the above companies.
Product: Credit card or prepaid card

I have never opened a credit card account before in my life. No all of a sudden I go to apply for one, and theres a credit card opened in my name already. Someone has stolen my identity. And this is not the first time this has happened. I dont understand how someone can get my information and open up accounts thats not them. I need help to fix this asap
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, Equifax, XXXX on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts and FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Product: Student loan

I had a student loan with XXXX XXXX. It was the worst experience I ever had with a company. They do not care about their customers at all. I have been bullied by these people before. When I was struggling to make payments I actually had someone tel me I should n't have take out a loan I could n't pay back, and question why I would take out a loan I ca n't pay pay back. but life happens and I fell on hard times like many Americans and this company did n't even offer to help me one bit. I had catch up on payments before I could do a forbearance with them. At that time my fianc was sick with XXXX and not working and my paychecks went to keeping a roof over our heads. 

One time I had someone call me for a payment during my grace period and when I told them I was driving and would do it online later ; responded by telling me she would wait for me to pull over to give her my information. I honestly have never had XXXX good experience with this company. 

Then Navient took over my loan and I thought it would be better but it was n't. It was the same bullies operating under and different name. These people call you after XXXX 7 days a week and on holidays. Like most people life happened again and I could n't afford my payments they were one {$200.00} a month. I tried to do another forbearance but the man I spoke to told me I could n't I had used them all up. In the end I somehow got rigged into paying more than my normal monthly payment to " catch up ''. 
Recently, XXXX started the process to refinance my loans and while dealing with this company a " manager '' that I spoke with literally gave me a XXXX XXXX. He was yelling at me about making payments and they told me he was going to sue to me. I could n't believe the way this guy spoke to me like I was trash, trying to better myself because they were n't helping me. They kept saying they could help but no option helped because it ended with me paymore than I could afford. I was very willing to pay them but they did n't care to offer me anything to help me make affordable payments. 

I could go on and on I have been dealing with these people for almost 10 years. 

There is even a XXXX page called I hate XXXX XXXX. How these companies have gotten away with this for so long is crazy. I have been keeping record of how they have violated the law with there calling to collect funds and things they have said. Because they probably do n't keep record of the phone calls that end up with customers in tears. 

I work for a company that works with XXXX XXXX and I would never in my right mind suggest or let someone take out a loan with Navient or XXXX XXXX
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 agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  pull my credit and I never authorize or done any business with these people. 

Another company did the same thing post inquiry XXXX and XXXX XXXX. I called talked to someone and these companies and also called XXXX they told me they dont take off inquiries these are mine I was removed off my credit.
Product: Student loan

All of my loans were supposed to be discharged due to the Borrowers Defense for XXXX XXXX. I have only attended one school - XXXX XXXX. Well, all of my loans were discharged except one - a Direct Consolidation Loan. I called Federal Student Aid/Department of Education to ask why that loan was not paid and was told to call the Borrower Defense number , which I did. When I called them and they sent me to Nelnet, the current servicer - who did not do the consolidation. XXXX did the consolidation, but they are now defunct. Nelnet told me to call the Borrower 's Defense number, which I did. And, they directed me back to Federal Student Aid, who then told me that my loan had not been discharged because it is a Direct Consolidation loan without a school name or because the loans were already discharged and there was an error associating the consolidated loan with the previously discharged loans. So, my consolidated loan has not been discharged. I need my school 's name put on the consolidated loan so it can be discharged, or I need Nelnet to recognize that my individual loans that have been discharged are part of the consolidated loan.

I just finished speaking with a representative from the Borrower 's Defense Department today - XX/XX/2024, who advised me to add a note to my claim. She stated that all of my loans were supposed to be discharged ; however, the {$28000.00} Direct Subsidized Consolidated Loan is still in Administrative/Borrower Defense Forbearance . The representative mentioned that this loan should also be discharged and suggested there was a mistake either during the transfer from XXXX to Nelnet or after it was transferred to Nelnet. She could not determine exactly where or when the error occurred. She also recommended filing a complaint here. My total loan amount was {$83.00}, XXXX, but the {$28000.00} loan remains active with no explanation. Neither Student Loan Aid nor the Borrower Defense Department can see any details about my loan due to the error and government litigation. I would like the remaining {$28000.00} Direct Consolidated Loan to be discharged or an explanation as to why it was not discharged, especially since I have only attended one school, XXXX, and all my other loans from XXXX have been discharged. I feel like my loan was discharged but then the {$28000.00} was re-added to my loan which makes no sense. Asking me to pay the {$28.00}, XXXX when it was supposed to be discharged feels like fraud. I have an additional document that shows that my loan was discharged, and I even have a letter from Nelnet stating that I should get a refund.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint. I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$16000.00} XXXX XXXX XXXX XXXX Balance {$680.00} XXXX XXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXXXXXX Balance {$85.00} XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XXXX Bankruptcy Federal Reference # XXXXXXXX XXXX XXXX  Bankruptcy US BKPT CT XXXX XXXXXXXX Reference # XXXX