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

I have now sent three dispute letters to Experian in regards to getting proof of the charged off accounts and asking for validation of the debts on my credit report. I have not received any proof nor has the inaccuracies on my credit report been removed. The first letter was sent on XX/XX/XXXX, the second letter on XX/XX/XXXX, and the third letter sent on XX/XX/XXXX. Each letter contained disputes for XXXX accounts : {$8100.00} with XXXX {$8300.00} with XXXXXXXX XXXX XXXX XXXX$16000.00} with XXXX {$6000.00} with XXXX  XXXX {$1000.00} with XXXX {$2900.00} with XXXX My credit score with Experian has gone DOWN since my filing these disputes which has caused undue harm to my credit standing and I have been left in a state of uncertainty regarding the inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my personal information was used to open an account with XXXX I have never applied for this account nor have I authorized anybody to open this with my permission therefore it is fraud due to Identity theft. The thief has this fraudulent account for an amount of {$21000.00}. I have tried to get this blocked off my credit report using the Fair Credit Reporting Act yet I have had no luck.
Product: Student loan

I recently repaid {$28000.00} in student loans to XXXX  XXXX XXXX. I told to the company that the payment should be applied to my two highest loans with the highest interest rates, which were each about {$14000.00} and around 5-6 % interest ( Loan sequence 7 and 8 on my account ). I told them this both by phone and email. I recorded the names, employee numbers, and dates of each call ( XXXX, Employee ID ( EID ) XXXX, and XXXX XXXX XXXX by phone on XX/XX/2018, XXXX by email, who did not provide an EID, on XX/XX/2018 ). 

Despite my repeated attempts, XXXX XXXX XXXX has refused to apply my payment to these loans. Instead, they have applied my payments " across the board '' to a number of smaller loans with lower interest rates. Essentially, they are forcing me to continue paying the higher interest loans, which will extend the life of the loans, the interest, and my repayment obligations. 

I have continued to contact them to rectify the situation without any success. They have refused to provide any confirmation that they have or will correct the error. Any help you could provide would be appreciated, I have detailed records to corroborate my claims.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : WELLS FARGO BANK CAR ***** Opened Date XX/XX/XXXX Balance {$180.00} // Charge Off WELLS FARGO CARD SER ***** Opened Date XX/XX/XXXX Balance {$870.00} // Charge Off
Product: Credit reporting or other personal consumer reports

The bankruptcy court did not accept my filing, and was dismissed. But XXXX, and TransUnion has has placed this very negative item on my credit report. I've asked several times to verify and validate this bankruptcy on my credit report. I contacted the bankruptcy court office and received a letter stating that they do not send information to the credit bureaus. So I want to know what company is sending inaccurate information to the credit bureaus without my permission, which is a violation of my rights.
Product: Student loan

I overpaid Discover Student Loan Services ( {$2000.00} ) and have been getting the run around trying to get a refund. It 's been over 70 days since I gave them notification ( e-mail and I have a solid paper trail ) and I continually get " the check is in the mail ''. Any suggestions?
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my SECOND WRITTEN REQUEST. This is a formal complaint that you, Transunion & XXXX, are reporting inaccurate and incomplete credit information. Transunion and XXXX are violating my consumer rights according to, 15 USC 1681e ( b ) Compliance and procedures ( b ) and 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

I am seeking the IMMEDIATE REMOVAL of the Accounts due to its inaccuracy since the debts. According to U.S. Code 8 - Obligation or other security of the United States defined, I OWE NO DEBT!!
Product: Mortgage

My mortgage loan was transferred to PHH Mortgage in XX/XX/2022, from XXXX. On XX/XX/2022 an annual escrow statement was sent stating that my escrow account is short {$160.00}, therefore my payment will increase {$13.00} monthly. The problem is that I dont have an escrow account I pay my own taxes and insurance. I called XX/XX/XXXX, and was told I would get an answer within 10 business days. Received a bill for XX/XX/XXXX, mortgage and still escrow company increased payment by {$13.00}, due to shortage in escrow account. No explanation given as to why they show escrow account. I read reviews about this company and their fraudulent practices. They have been sued for charging fees that they should not charge. Never had escrow account with other loan mortgage company either ( XXXX ). I have also sent email to the PHH Mortgage on XX/XX/2022 and called this morning and spoke to a representative who said will create a report to the research department to investigate the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has demanded I refile an Identity theft report three times to remove the same inquiries. I am a victim of their 2017 data breach and they are refusing to accept how the Federal Trade Commission require submissions to report identity theft. I contacted the FTC and they advised I contact the CFPB to complain. The FTC reports numbers are XXXX, XXXX and XXXX. I am demanding Equifax immediately remove the XXXX inquiry stated in the last report number XXXX. I have also contacted the CFPB Ombudsman office regarding my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICITM OF AN IDENTITY THEFT, NUMEROUS TIMES I HAVE SENT MY IDENTITY THEFT REPORT TO EXPERIAN, BUT THEY KEEP IGNORING MY REQUESTS. WHAT IS THE POINT OF ASKING FOR THESE DOCUMENTS IF THEY ARE NOT GOING TO HONOR IT. I AM VICTIM I CAN ONLY PROVIDE THEM THEM POLICE REPORT AND IDENTITY THEFT REPORT, I HAVE EVEN SENT THEM MY NOTARIZED POLICE REPORT AND IDENTITY THEFT REPORT AND STILL NO RESPONSE FROM EXPERIAN. FRAUDULENT ACCOUNTS SHOULD NOT BE REPORTING ON 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 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose. 
XXXX XXXX
Product: Mortgage

My husband was out on XXXX from XXXX XXXX until XXXX XXXX, and we fell behind on the mortgage. I filled out the paperwork for a loan modification on or about XX/XX/XXXX and they told me that we did not qualify. During a phone call to XXXX on or about XX/XX/XXXX, I tried to then make half payment, and they did not take it. I asked them why they won't take half a payment while I try to work out something and they said they would not take the money. During the phone call, I asked why we didn't qualify, XXXX could not tell me and stated I would get something in the mail when a decision is made. That was XXXX weeks ago, and I have not heard anything yet. I also stated to XXXX " XXXX Fay Servicing doesn't do anything to help out your customers to stay in their homes ''. And he stated " you could always sell your home and rent an apartment??? I then stated, " do you know renting an apartment is more than my mortgage ''?? I just would like to know that my mortgage company is willing to assist me with my payments and get back on track with making my payments, but they are not willing to help out in any way, like they say they will.
Product: Credit reporting or other personal consumer reports

I have attached an official complaint into misuse of my credit file regarding inquiries that I did not initiate. I did not authorize these hard inquiries, nor did I apply for any credit with these companies. I have offered Transunion an ID Theft Affidavit from the FTC in the past, but they must have forgotten to remove the inquiries. My identity has been compromised in the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, along with dozens of others. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately as they are not requests made by me. These inquiries do not relate to any transaction I initiated or requested. Moreover, Transunion has some type of glitch that is not allowing me to dispute, view or download my credit file. Customer support said they escalaed it, but for some reason they have not done their job properly.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I Recently my credit report and found inquiries that I did not initiate along with an account I Submitted an FTC report and am now demanding deletion of these fraudulent accounts, as they have damaged my creditworthiness caused me anxiety and mental stress, impacting me from utilizing my credit. IN PURSUANT TO 15 USC 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I Will also be seeking compensation for the damages caused to me. 
Defamation of Character : {$1000.00} Mental Stress : {$1000.00} Impending Usage of Credit ( Creditworthiness ) : {$1000.00} for a total of {$3000.00} IN PURSUANT TO 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; *This is a Correction to the previous Dispute.
Product: Mortgage

I have been trying to probate a home for a little girl is was XXXX  when her mother died. 
This house is all she had. I worked for 6 months to get access to the mortgage. Fully documented. 
BoA went aggressively after this property for foreclose. Even though the decedent was in the process of rewriting the loan terms. 
Literally two weeks at she died, papers showed up. 
During probate they would not stop the foreclosure activity. 
Only through the grace of XXXX a relative was able to help legally, as he is a XXXX XXXX XXXX. 
I saved the house from bankruptcy just in time, covered all fees out of pocket and we avoided the proceding at the local level only by calling the Sheriff, as BoA of, and it's representatives, XXXX XXXX , Manager, Foreclosure Operations , XXXX XXXX  XXXX . 
As we sit today, I am owed funds from the XXXX foreclosure proceedings or proof funds were absorbed by their balloon fees to pay off the loan.
Product: Payday loan, title loan, or personal loan

I do not know if this is the appropriate channel to report a loan offer I received in the mail. 
I am currently struggling financially due to being XXXX and high medical bills in collections. This has contributed to my less-than-perfect credit record. 
Today I received an installment loan solicitation from " Big Picture Loans ''. It says I am pre-approved. 
I researched this company and found that the yearly interest rate is 780 %. It does not state that on the letter. 
There are reviews online that state that dealing with this company is a nightmare. If one wants to pay off their balance early it is very difficult. Some reviews are 5-stars but they look fabricated to me. 
I think this is a predatory loan because they locate individuals who are down on their luck then offer this loan as a solution. No doubt there are many people who are desperate for money at this time. This company seems to be taking advantage of this situation. 
They will stretch the repayment period out for up to 44 months in order to maximize their profit. Too bad for the little guy. They probably really don't care. 
Of course, I did not apply for a loan with them.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is not following reasonable procedures to assure maximum possible accuracy of information concerning the individual to whom the report relates. My rights to privacy is being violated in that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy.
Product: Student loan

I graduated from a XXXX  program in XXXX with a private XXXX XXXX XXXX and a federal loan managed by XXXX. I payed off the private loan and co to yes making payments with the federal loan company as able. Sometimes I requested a deferment and was steered towards a forbearance. Im not sure is the exact year but so want to say XXXX - I had XXXX small children and was working. I received a call from a loan company telling me that I needed to consent to new terms and the company was not going to be XXXX anymore. I was told exactly what amount I needed my new monthly payments to be and there was really no room for discussion. I began receiving invoices from Naviant. I payed but my balance continued to climb and I needed relief from time to time and I would call a representative who would advise me to file a forbearance. Over the years my balance has continued to climb even though Ive been making payments. Its overwhelming. Im losing sleep worrying about my financial situation. My husband and I are trying to put our XXXX children through college right now and we are not able to afford certain things for them and ourselves that we thought wed be able to afford by now. I have called naviant several times to complain and see if my loan balance can be lowered or the interest forgiven but have been steered towards forbearance each time. It wasnt until I requested to specifically have an income driven repayment plan that they arranged one for me and that was this year. Ive been paying in some capacity for 21 years. I feel like I shouldve paid the balance off by now but Im not able to reach anyone at Naviant that can give me a record of my payments with XXXX and Naviant. I need my balance to be reduced or forgiven if Ive made all the payments. Thankyou.
Product: Debt collection

Wallet along with social security card was stolen and accounts were opened under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it  this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX  XXXX   XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : 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  Balance : {$0.00}
Product: Vehicle loan or lease

I paid off my vehicle car loan already. However, before I paid off the loan, I requested to refinance it. The loan officer told me to bring my last XXXX pay stubs to the office which I did. Later on she requested my last paycheck stub for the month of XXXX the previous year???
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts reporting on my consumer report. I did not authorize these accounts. On XX/XX/2023, I have sent my FTC report, License to XXXX, XXXX, Equifax. I will take legal action by filing a civil suit for reporting fraudulent information on my consumer report if these accounts are not removed.
Product: Checking or savings account

On XX/XX/XXXX, XXXX shipped a smartphone with tracking number ( see attached ). That tracking number was shown as delivered BUT no package was present. I spoke with the local US post office supervisor who verified that the physical label on the package was NOT my address ( see attached ). So I never received the merchandise. Even after numerous calls and emails, XXXX charged my checking account {$630.00} on XX/XX/XXXX for the smartphone which I never received. TD Bank would not let me dispute this fraudulent charge.
Product: Debt collection

A payment was deducted on XX/XX/year> out of my bank account in the amount of {$210.00}. At the time I did not have the money in my account. Which later in the month XX/XX/year> I put money in the account and made a debit card payment in the amount of {$210.00} that was deducted out of my account on XX/XX/year>. After that I refinanced for another loan on XX/XX/year> with payments due on the XXXX of every month in the amount of {$410.00}. Which was deducted from my bank account on XX/XX/XXXX. XX/XX/year> my bank account was debited in the amount of {$210.00} again after the payment already on XX/XX/year> off my debit card. I called and spoke with someone at one main financial they said they can only see my new account not my old one so I disputed the transaction and was reimbursed {$210.00} on XX/XX/year>. After that I received phone calls telling me that I didnt make a XXXX payment of {$210.00} and that I needed to make a payment. Since I didnt do so they were harassing me at a point but have stopped due to prepaid legal. They are saying I still owe them {$210.00} and charging me late fees every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a letter addressed to the Credit Bureaus on XX/XX/XXXX with complete attachments of my personal information as well as the IDTHEFT REPORT I receivied from the FTC for reporting the theft of my identity. I have read that all these attachents are required for the removal of the fraudulent items being reported on my Credit File. I Under the FCRA, the Credit reporting agencies are requirede to remove any account and information that resulted due to Identity theft. But despite all my efforts and undertanding of the Federal law, the Credit Bureaus are still reporting these items without proper verification. I am submitting this complaint to protect my rights under the FCRA which is clearly being violated by the Credit Bureaus. If the Credit Bureaus continue to report the disputed items without proper verification, I will be forced to take legal action and sue the Credit Bureaus for the damages I acquired from the Credit Bureaus indifference. I need the following items removed as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing because Ive noticed that one of the tradelines on my credit report is not being reported with the maximum possible accuracy. This is a clear violation of my rights, and Im extremely frustrated that this issue has not been addressed yet.
Product: Payday loan, title loan, personal loan, or advance loan

One Main Financial in XXXX, AL tricked their consumers to sign up for optional products and they were telling borrows that they could not get approved for a loan unless they signed up for these additional services. I was a customer from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND THAT YOU REMOVE THE ACCOUNTS AND INQUIRIES LISTED BELOW PURSUANT TO 15 USC 1681B ( a ) ( 2 ) WHICH COMPREHENSIVELY STATES THAT THE ONLY PERMISSIBLE PURPOSE OF CONSUMERREPORTS BY ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT ONLY UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER IN ACCORDANCE WITH THE WRITTENINSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES ; IF ALL THE ACCOUNTS LLISTED BELOWARENT REMOVED AS STATED IN 15 USC 1681i ) ( 1 ) ( A ), I WILL SEEK REMEDY UNDER 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) CIVIL LIABILITY FOR WILLFUL NON COMPLIANCE : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX