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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Unknown # XXXX XXXX Inquiries : XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX # XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX  # XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX : XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 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, credit repair services, or other personal consumer reports

mortgage company is reporting inaccurate my mortgage is paid per obligation of the united states.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax all refuse to remove old paid account off my credit report. I have disputed this with each company at least 5 times. This account is from the Department of Education that was opened in XXXX. This account was never paid and after more than XXXX  years the debt was sold to XXXX. I have written letters to each bureau requesting this old debt to be removed but each bureau refuses to do so. This is a direct violation of the Fair Credit Reporting Act. This account reflects a negative mark on my report and no matter what course of action, these three bureaus refuse to remove this account. Once again this account was opened XXXX of XXXX. This account was never paid until forgiven by Biden in XXXX of XXXX. This account is XXXX XXXX XXXX and according to the LAW this must be removed after XXXX or XXXX  years at which this account has exceeded both. XXXX, XXXX and Equifax are all in violation of the Fair Credit Reporting Act. XXXX is reporting this account has been paid as of XXXX but this account has never been paid. Therefore this is also inaccurate reporting by both the Department of Education and XXXX, XXXX and Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  the mortgage servicer of my loan sold my loan to XXXX XXXX after I paid it off. XXXX XXXX reported to the credit bureaus that I owed them $ XXXX when the account was at a XXXX balance. Then XXXX received the loan back from XXXX XXXX and it took them a very long time to resolve the issue. I disputed to the credit bureaus that I should not have a mortgage balance with XXXX  $ XXXX nor XXXX XXXX. XXXX removed the balance of my account, I also complained because they lied to me about mailing my escrow funds timely as required, and they swore they mailed it on XX/XX/XXXX,  which never arrived. A customer service rep requested for a stop payment in XXXX. I received the escrow payment refund from XXXX a month later the stop payment check and the envelope post dated XX/XX/XXXX. Now XXXX has used my credit report unlawfully by adding that I owe XXXX $ XXXX as a new account after this loan closed in XX/XX/XXXX. I received a letter from XXXX at XXXX for complaining for rationalizing the error that occurred that should of never happened. See the copy of my XXXX  credit report. XXXX is retaliating against me for making so many complaints which I will address outside of the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts with XXXX Department of Education many times.The last time was XX/XX/2022. My name info is incorrect as well. My address is incorrect too.On XX/XX/2022 I put a fraud alert to secure my credit file. XXXX XXXX XXXX XXXX XXXX premier bank, XXXX XXXX XXXX river bank XXXX XXXX XXXX XXXX A collections account XXXX XXXX XXXX XXXX bank. XXXX XXXX XXXX XXXX XXXX XXXX prime investment. I have disputed with all these accounts they do not belong to me, please. 
Remove. In accordance with the Fair hearing Reportingmay make Act XXXX XXXX XXXX Section XXXX A states I have the right to privacy. 
15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1681 ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any adverse line of information other than records or condition
Product: Debt collection

Designed Receivable Solutions did not send me any correspondence about alleged unpaid debt. First time I found out about them trying to collect is from checking my credit reports, where they reported collection accounts I do not owe. I wrote them letter stating that I did not receive any correspondence from them, requesting proof of any debt owed, and stating that the validity is disputed. They did not respond in any way. Failed to remove negative reporting from credit reporting agencies. I do not have any unpaid medical bills. Whatever they are trying to collect is a fraud and does n't belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX Balance : {$32.00} XXXXXXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$82.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone needs to something to assist me because I know for a fact that these accounts were not legally verified and no one is helping me. It 's incredible that these people care more about money than they do about making sure that they do their job! How many times do they have to be sued and now many times do consumers have to complain about this type of abuse before someone actually does something to enforce the law?! Congress states that when I notify them that there 's an error, they must conduct an investigation. When they " verify '' it and provide no proof, they must reinvestigate and go beyond the original source of info ( the creditor ) to ensure that it 's reporting accurately. That means they MUST conduct an independent investigation. They are required to have the paperwork that substantiates these accounts. Section 609 protects me against false reporting by the bureaus and they must produce the paperwork that was signed by me when the account ( s ) was opened. Congress states in CUSHMAN v TRANSUNION 1997, that the burden of proof is on them and not me ( see lawsuit attached ). 

Where 's their proof? Where 's the proof that they did n't just parrot the creditors? This is absolute negligence. 

Here 's what was on my dispute letter ( see attached ) : I do n't know why the government allows you to keep this stuff on my credit report without providing an actual investigation and providing the actual documentation that belongs to these accounts. You can not, by law, just report whatever you 're given! You are not allowed to state that these have been verified without providing the proof that substantiates your claim. You did not, at any time, legally verify these accounts as required under the FCRA. Where 's your proof that you ever did an investigation? What procedures were used? How is it that I did n't receive any response whatsoever from these companies and yet, miraculously they respond to you each time! How can that be when I 've called to find out and they 've told me that you have n't contacted them at all? That means that these were never verified at all. The ONLY proof that you can produce would be the paperwork with my signature. Other than that, they have not been verified. In addition, I already told you that I was n't XXXX XXXX late and you did n't send me anything at all to substantiate anything. If you do n't have the physical proof - which can only be this company 's bank statement proving when my payments were accepted into their account - then you 're just parroting what they 're telling you and that 's not allowed by law! Considering that you 've done nothing to ensure that these are reporting accurate, you are must immediately DELETE these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I will NOT accept a response saying that they did an " investigation '' and that my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a match. That is not legal proof and my info being on a screen in front of someone does not meet the requirements of the FCRA
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an XXXX XXXX ticket through XXXX listing. As part of the XXXX purchase, a Citibank credit card application was offered with a promise of a {$250.00} credit to be realized on the new card. In order to receive the fare I wanted, I had to make the purchase immediately, which I did on another credit card - as I, clearly, did not hav the Citibank card in hand at the time. 
My approval with card number arrived today - XX/XX/XXXX. 

There is no credit of any kind indicated. When I called XXXX, the representative said, the offer was for FUTURE XXXX XXXX purchases that I would make in the next 12 months. I have no intention of buying another XXXX ticket - or any other airline ticket this year. I asked to speak to the representative 's supervisor and received the same answer. They had no resolution process to refer me to. 

I believe this is misleading and false advertising. I never would have applied for this card had it not been for the carrot dangled in front of my face for the flight I was ticketing. 

Now, I stand to have a ding on my credit rating for no purpose at all. And, when I cancel the card - there goes another ding. 

Please advise as to my options here. 

Thank you.
Product: Debt collection

This is my second complaint against Puget Sound Collections. The attached judgement was filed on XX/XX/13, which is the past seven year mark for collections. This company can not collect this amount and it can not be reported to any credit bureau due to the age of the debt. 

This is the last warning to Puget Sound Collections, they will remoive this negative item from all three credit reports, and will not re-report or attempt to contact me in any way, written or by telephone. The judgement is off the credit reports due to age as well.
Product: Debt collection

I received a communication from Harris & Harris , Ltd claiming that I owe an alleged debt of XXXX as of XX/XX/year>. Then stated that total amount of the debt now is XXXX. 
After reviewing your alleged claim, I am unaware of any contractual agreement or any obligation to pay this alleged debt pursuant to 15 USC 1692c ( c ). I am demanding you to zero out this balance and send me confirmation as instructed or request to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems submitting reports online and through the mail.
Product: Credit reporting or other personal consumer reports

I have seen information about Navy Federal credit Union being investigated for fraud on Loans to XXXX  and I want to know where I can get information about how to proceed with filing a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX  XXXX Account # XXXX & Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC.

Below are the late Missed Payments in question : Account : # XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 120 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX Account # XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Product: Mortgage

I twice disputed with XXXX a line of credit loan that originated with Pentagon Federal Credit Union in XX/XX/XXXX and paid off in XX/XX/XXXX, in which I requested removal of late notations on payment history on XX/XX/XXXX in a letter to Pentagon Federal Credit Union. The letter spelled out the reasons I thought payment history notations should be deleted. 

In the meantime I received an undated and unsigned letter with the envelope dated XX/XX/XXXX from  Penfed 's mortgage records department with closing papers from this old loan signed by me in front of a notary XX/XX/XXXX. The letter stated that an audit had revealed that I never received these closing docs back from Penfed after closing. 

This loans purpose was to establish a line of credit for me as part of a modification of an existing loan to be paid off. The interest rate was more than if I was to do a regular fixed rate home equity loan but found it attractive that I would be able to use excess for a line of credit as needed. Unbeknownst to me because I had no loan papers from Pentagon Federal showing they closed my line of credit a week or so after I closed on loan and I would n't be able to use the loan as I expected. This would have come in handy in months where I was short and could have made a payment. 

I believe there are issues with Regulation Z compliance regarding how the closing docs were n't released in a timely manner.
Product: Credit reporting or other personal consumer reports

All federal judgements and the United States government & all 50 states government judgements don't pertain to these corperations as stated by the constant responses for denial of justice and covering up. The have shown with action by covering up and lying in multiple courts that they are above the law as I have shown. And they don't need to go to appeals court to fight a judgement as long as they threaten by force the people they have denied payments to with encarseration when fighting for the unites states and the law. Thy don't investigate anything and give there response with in a day or receiving the complaint or 1 week usually on the weekend. So that is not a proper investigation at all. And as for XXXX XXXX thier private email messaging system is so they can hide the truth and not investigate anything.
Product: Debt collection

I am co-signed on student loans with my brother-in-law. He is struggling to make the payments and I do not have the money to make the payments. I have told them this in the past and they start calling me shortly after XXXX and repeatedly call me every hour all day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account and Account # 's DEPT OF ED / XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # 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 dispute the Bankruptcy record XXXX with Experian on my consumer credit report around XX/XX/XXXX. Experian responded in there verification stating its accurate. I then asked for a reinvestigation and per rule of the FCRA 611 ( XXXX U.S.C. XXXX ) I asked for the documentation used. I also filed a complaint with the CFPB on XX/XX/XXXX and Experian stated information was accurate again but, DID not give the documents I then disputed the information again on XX/XX/XXXX. This is once again came back with it stating verified. This time the last dispute would be the fourth one. This one I attached a certified letter from the clerk of the court. Stating that the court does not verify with any credit reporting agencies or third parties including pacer and XXXX XXXX. If this is true how can one tell without verification with the clerk of the court if this public record is 100 % accurate or up to date. This record could either be removed or sealed in court. One would only know that by verifying with the clerk. Which was not done. 

As you can see I have sent multiple dispute letters and even phone conversations with agents from Experian. I called on XX/XX/XXXX and talked to customer service agent XXXX. XXXX added the statement on the bankruptcy informing them that they have the documentation of evidence from the clerk I supported and it should be removed in 48hrs. Here is the copy of the transcript from the conversation And could still there and then you may contact us for today, but you can check for that for today. You surely removed like faster than a day. Oh okay. And you said it should be removed? Yes, to be off from your credit. Okay, the bankruptcy won right? The public record. Okay, awesome. The public And what's your name again? My name is I setting up a statement stating that you entered a court letter just so let you know. Okay, thank you. 

As you can see the Bankruptcy was never removed the statement was just added. Without removing the public record as promised and agreed on by the XXXX the agent. 

This just prove more of the reasoning behind Experian lawsuit with the CFPB on XX/XX/XXXX. For Shame investigations and not properly reinvestigating. I feel like I fell victim to this cause as you can see from the evidence my consumer rights is being violated Re : Violation of XXXX U.S.C. XXXX ( b ) ; XXXX XXXX XXXX XXXX XXXXXXXX ; FCRA Sections 609 ( a ) ( 2 ) and 611 ( b ) ( 6 ) ( B ) ( iii ) ** among with XXXX USC XXXX ( k ) ( 2 ). This is seriously harming me not only my reputation but also my ability of an accurate and complete report. Its harming me from seeking a Mortgage or Apartment which will result in me being homeless soon. Please remove this public record from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My accounts with us department of education were closed and turned over to XXXX XXXX. The us department of education continued to report the accounts delinquent each month even though they sold the accounts. My debt is being reported twice creating double the negative impacts on my credit report each month. Furthermore, I paid the accounts in full in XXXX they were still reported late and again in XXXX. My taxes were offset this year, I filed my taxes in XXXX and received my offset letter in XXXX, yet somehow I was returned the offset, in late XXXX, despite the cares act stating the returns were only for taxes filed on or after XXXX. Because the offset was refunded, a balance was created on the account, which the department of education sent to the servicer and added a % 17 collection fee ( about {$1000.00} ) despite the fact that I paid the account back off within 30 days of the new balance posting. They refused to waive the % 17 fee despite the policy being that it wont be charged if the account is paid within 30 days. Instead they settled the account and reported it not as paid in full but paid for less than the balance. The loans already had a % 17 fee charged when they were originally sold to the servicer, prior to the refund or payoff. The accounts should not be reported as delinquent each month  throughout the duration of time they were with XXXX XXXX. They fraudulently refunded my tax offset and charged me another XXXX dollars on an account that was paid off. The accounts are not reported the same across all bureaus. I have called several times and am told they can not force report information, despite my telling them the inconsistencies in my reports. I filed a complaint with student aid and they did not address any concerns except to say my loans may have been reported delinquent prior to default. This is not true as my accounts have been reported delinquent each month up to and including XXXX of XXXX. All of my outreach to them has only caused them to add further negative remarks and brought my credit score down by almost 100 points since I paid them off! This is unfair, unethical and fraudulent. They referenced the education act of 1965 to combat my reference of the Fair Credit Reporting Act, which is the most recent of the 2. I was in the process of buying a home with my VA loan when they caused so much damage to my credit that I can no longer qualify. My family and I were temporarily homeless as a result. I dont understand how a federal agency can do these things and have no repercussions or be held to any type of standard.