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

I filed a dispute with XXXX XXXX, Equifax, XXXX  and XXXX   involving a public record that is incorrectly reporting on my credit report. It is a Bankruptcy filing showing the " assets and liabilities '' sections inaccuralety. They are required by law ( FCRA ) to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and then sent me some canned letter that told me what they are " supposed '' to do. I don't care about what you are " supposed '' to do, I want to know exactly what they " actually '' did. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS and I attached proof of this. I also obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of XXXX XXXX, Equifax, XXXX  and XXXX  refusal to investigate properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to you disputing this INACCURATE accounts on XX/XX/2022 and mailed them certified with return receipt requested. You are reporting this COLLECTION with a PAST DUE AMOUNT this is inaccurate reporting. You are also reporting inaccurate DATE OF LAST PAYMENT which is also inaccurate reporting. 
Per the Fair Credit Reporting Act section 611 ( a ) ( 5 ), you have 30 days time period to investigate disputes. If you can not verify the information within 30 days time period, you must delete all of the disputed accounts from my report. You must now delete the disputed items and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
Enclosed find a copy of my original letter showing all accounts I have disputed. 
Thank in advance to your timely response to this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account from the company below show in my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I denied having any of the above account. I asked for the reporting agency to provide proof on me owning any on the account mentioned on the credit report in the form of my official signature. 
If they can not provide such proof, they must remove those accounts from my credit report. 
Those fraudulent reports have cause 2 of my bank accounts to be closed. 
Again, I would like the credit report agency to provide me with proof those account belong to me. 
Meanwhile I have put a fraud Alert on my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY 17 WRITTEN REQUEST There are items on my credit reports that are being reported incorrectly and I have proof this is negligent by the credit bureau as you guys arent following the FCRA Laws and are in violation of several Laws on my credit report Ive send out several laters and even file complaints through CFPB you guys arent following the laws I havent received any contracts or proof that accounts on credit reports that were disputed belongs to me from the original creditors I ask the credit bureau to send me steps that were token to validate the accounts because this is clear fraud by both credit and credit bureau these accounts are being reported incorrectly and doesnt belongs to me and I ask that you guys remove the accounts immediately. Identify theft reports were already filed and send out to the creditors and bureau this is and is an crime you guys are violating my rights and needs to remove the accounts below from my credit report or I will have No choice but to sue both creditor and credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681s-2. ( A ) ( 1 ) 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Checking or savings account

On XX/XX/2022 Citibank blocked my account when I contacted Citibank the bank, I was told that my account is being referred for closure at that time I asked why this is happening the bank told me I will receive a letter in the mail on why, and that the account will be closed in 30-60 days and a check will be mailed out with my balance that was in the account ( XXXX ). as of now XX/XX/2022 I still have not received a notice so I dont know why the account was blocked or referred for closure each time I call I am being told that this is confidential and the account will be closed in 30-60 days and a notice will be sent and this time citibank has failed to send a notice. I am behind in bills and will like answers to why this is happening i have no letters to upload because citibank has not sent me anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquiries from multiple companies on XXXX XXXX, 2017. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. 

XXXX -XXXX XXXX and XXXX XXXX XXXX Experian- XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX  XXXX BANK NA # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  CASH XX/XX/XXXX XXXX  XXXX BANK NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 

Attention General Counsel : ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and inaccurate information on consumer credit report by Experian XXXX 


7. When a consumer disputes the accuracy or completeness of information in their consumer report, the FCRA requires Experian to conduct a reasonable reinvestigation of the disputed information and report the results of the reinvestigation to the consumer, all within certain timelines. 15 U.S.C. 1681i ( a ). At the conclusion of the reinvestigation, Experian must modify or delete any item of information found to be inaccurate or incomplete, or that it could not verify. 15 U.S.C. 1681i ( a ) ( 5 ). For any information deleted as a result of a dispute, the FCRA imposes specific obligations on Experian that must be satisfied before that information may be reinserted into a consumers file. 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) 12. Additionally, Experians problematic dispute resolution processes have resulted in several other issues, including Experians outright failure to reinvestigate a significant number of disputes within the timeline required by the FCRA, its ongoing refusal to reinvestigate hard inquiry disputes, and its routine failure to ensure that previously deleted tradelines are not improperly reinserted into a consumers file. 

Consumer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian initially removed the disputed account, which had identified been identified as fraudulent, from Consumer credit report. 
FTC ReporXXXX XXXX XXXX XXXX XXXX XXXX XXXX, after a Fraud Alert had already been placed on my file, Experian inexplicably reinstated the fraudulent account. 

CC : Enclosed Documents Consumer Demand For Arbitration Form Privacy Act Of 1974 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Identity Report XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX ( XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report and saw that they were fraudulent accounts. This is hindering by ability to obtain credit.
Product: Student loan

Subject : Dispute Regarding Income Threshold and Payment Obligation under ISA Agreement Dear CFPB, I hope this message finds you well. I am writing to formally address an issue concerning my Income Share Agreement ( ISA ) with Stride Funding. As of XX/XX/year>, I have been notified that Stride Funding believes I have reached an annual income of {$95000.00}, and as a result, is requesting repayment of the loan. However, this figure is incorrect, and I have not met the income threshold required for repayment under the terms of the ISA. 

To date, I remain unemployed and do not have the financial means to meet the payment obligation. I have already submitted documentation to Stride Funding to substantiate my current financial status, but I have not yet received a response. Despite this, I have been notified of an upcoming charge for the following month, which I am unable to pay given my circumstances. 

I kindly request that Stride Funding reviews the documentation I have provided and updates my account to reflect my actual financial situation. I appreciate your prompt attention to this matter and hope for a swift resolution to avoid any further confusion or unnecessary financial burden.
Product: Payday loan, title loan, or personal loan

While making a purchase I was notified from my bank that my account had been frozen due to a lien and to contact XXXX XXXX XXXX. When I contacted XXXX XXXX XXXX, I spoke to XXXX XXXX, whom had informed me that a default judgment had been filed against me on behalf of XXXX XXXX  Payday loans. I had taken a payday loan out in XX/XX/XXXX, and made a few payments, but lost my job and the bank account ; so I could not make the payments. I tried to make arrangements with the company, but XXXX XXXX refused to work with me. In XX/XX/XXXX I am notified that they filed a lawsuit, because the attorney had put a hold on my child support payments ( which is illegal in Texas ). XXXX XXXX XXXX refused to lift the hold until I signed an agreement. I originally took out a {$750.00} payday loan, but now the charges had gone up to XXXX with excessive fees and interest. I did not attend the court hearing because I was never served and was totally unaware of this. The lawsuit was filed in a different precinct than where I live, with XXXX XXXX in XXXX XXXX, XXXX XXXX. I asked for a copy of the original lawsuit and XXXX XXXX XXXX has not provided this to me, just a statement of what the total amount is now due.
Product: Credit reporting or other personal consumer reports

A student loan that isn't my is on record with the Department of Education, and my credit report. It was determined that The loan was a mistake or someone used my numbers to secure a loan. 
The XXXX XXXX Department was suppose to send me paperwork clearing my record of this loan. It was never received. Whenever I inquire about the matter by call, they say they will call back or send paperwork. I've gotten either. 
Please assist me in getting this loan removed from. My record and my credit report. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

This morning, to my surprise, I saw inaccurate accounts on my credit report, and Im still unsure how they ended up there. Ive checked my credit report many times without any issues, but today, discrepancies suddenly appeared. I even refreshed my browser, thinking it might be a temporary glitch, but that didnt remove the errors. Im asking that the documents I submitted be carefully reviewed so I can put this anxiety behind me once and for all.
Product: Mortgage

Bank of America has made a illegal transfer of loan, the modified loan that was made in XXXX  clearly stated that the loan can not be changed or sold to anyone, as of XXXX they sold the Note to XXXX, also received XXXX from the mortgage assistance program, and XXXX from the state program for mortgage assistance, bank of America never applied the money to the loan, believe this to be theft by a mortgage company now the new company XXXX, wants to foreclose, the mortgage is 8 years since the last payment was made, XXXX as a collection company, can not file suit since the statue of limitations is 4 years in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXXXXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Mortgage

We saw the new home and signed contract on XX/XX/2018 with our XXXX Sales Rep. 
We brought our own financing, and was going to use them, until XXXX said if we use their " preferred '' lender, we could save the title policy fee, in the amount of $ 3200+ dollars. 
We opted to use XXXX XXXX XXXX ( XXXX  preferred lender ) because our Senior Loan officer said he could meet and beat our current financing that we brought, and to save on the title policy. This was a huge mistake, and headache from day 2. 
That Tuesday, the XX/XX/2018 someone at XXXX XXXX office sent our confidential info to our current potential mortgage co, contract and all, essentially ending that relationship, should the XXXX XXXX XXXX fall through. Someone from XXXX  also told our current mortgage lender, verbally, that we were using a different lender. Our existing finance co emailed us of the disclosure, and said they were shutting down our request for financing. 

XXXX XXXX did not answer specific questions about buying down points. We told everyone we were buying down points to the floor ( Sales Rep, Sr Loan officer, Loan Officer Associate, to ensure we could sustain our mortgage, and investment. Despite multiple attempts to get info on the phone, and mainly email. Both contacts skirted our particular questions about buying down points, and the APR over a period of 30 day close process. Our Sr Loan Officer did NOT lock in our rate, and the Fed jumped, causing our " new '' rate to be higher. Despite being told he would meet and beat our rate, and lock in our rate. 
When I reached out the day of closing, yet again, asking about buying down points, to the floor, and asking who I make the check out to, and what type of payment was preferred, I was told, if we did, that it would delay closing and have to go back to underwriting delaying our close, which in turn caused a chain of events to unfold. This scared us as consumers, because researching XXXX and XXXX XXXX yielded info that both keep money of customers, if something falls through. We felt trapped either way. ( I was also told by our Sr Loan Officer, that noone keeps their original mortgage, and that we should just REFI in  less than 6 months, this ticked me off pretty bad. I don't think our rep can predict our current economic climate, and should not be advising people to take a bad mortgage note, just to refi later. This is how the big bust happened about 10 years ago. ) The service first issues, will cost us money every month, for the life of the mortgage, over 360 payments, 30 years. I would really like this addressed. We were under duress, and told by a few, that we could potentially be in breach of contract if we delay. I have spoke to other homeowners, who faced a very similar situation as us with XXXX XXXX XXXX here in our community. We have all of this in writing, and the files are extensive, over 100 emails.
Product: Checking or savings account

We wrote a check to XXXX XXXX for {$950.00}. Someone got the check and changed the name to XXXX XXXX and the amount to {$18000.00}, and cashed the check. 

The check was cashed on XX/XX/22 by Bank of America, I bank with XXXX XXXX. We have been requesting return of money for 3 months now, and nothing. 

copies of the checks attached This is Bank of America 's case number XXXX.
Product: Credit reporting or other personal consumer reports

I have noticed inaccuracies in my payment history that I believe do not reflect my true payment behavior. It is essential for me to maintain an accurate credit report, and I kindly request a thorough review of these discrepancies. I believe that my overall history with XXXX XXXX XXXX XXXX demonstrates my commitment to meeting my financial obligations. I wish to exercise any resource possible to remove this inaccurate information and invoking my rights as a consumer as well as servicemember.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ITEMS ARE ALREADY ATTACHED, PLEASE INVESTIGATE THIS MATTER AND DELETE OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

IDENTITY THEFT, please take a look at this immediately. My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Security FINANCE, TO SEE THE MANAGER ; XXXX. XXXX XXXX WHERE I GOT THE LOAN.SHE SAID ; SHE SENT THEM AN EMAIL ( 3 ) TIMES. THEY MADE AN CHANGE ON THE BAL. BUT IT WASNT RIGHT. I CALLED XXXX TWICE, AND TOLD HER A THIRD TIME WHEN I WAS MAKING A PAYMENT, AND SHE SAID SHE WOULD SENT ANOTHER EMAIL. THEN I CALLED THE HEADQUARTERS, IN S. CAROLINA. THE LADY TOLD ME THAT THEY REPORTED IT, AND ITS RIGHT, I TOLD HER THE BALANCE SAID ; {$340.00}. BUT THE REAL BALANCE IS {$140.00}. They finally dropped IT TO {$240.00}. IT STILL IS WRONG. I NEED YOU TO MAKE THESE PEOPLE REPORT THE CORRECT INFORMATION TO THESE 3 BUREAUS. ITS AFFECTING MY CREDIT SCORES. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I've already disputed these items, but they did not remove them nor prove validation. 
XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX