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

I recently discovered several inaccuracies on my credit report and took immediate action to address them. Specifically : Late Payments Misreported During COVID-19 : XXXX accounts, XXXX and XXXX, are inaccurately reporting late payments, even though under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), creditors were obligated to report accommodations accurately during the pandemic. Ive requested these accounts be updated to reflect paid as agreed/never late. 

Unverified Debt : An entry from XXXX XXXX appears on my report, and Ive requested validation under 15 U.S.C. 1692g. They must provide original documentation, including contracts or agreements bearing my signature, or delete the item per 15 U.S.C. 1681e ( b ), which mandates 100 % accuracy. 

Unauthorized Hard Inquiries : There are several hard inquiriesXXXX XXXX, and XXXXthat lack permissible purpose as required under 15 U.S.C. 1681b ( a ) ( 2 ). I have demanded their deletion for violating federal law. 

Incorrect Personal Information : My report lists outdated and inaccurate addresses ( e.g., XXXX XXXX XXXX and XXXX XXXX XXXX ), which are not current or relevant. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Equifax has a legal obligation to investigate and correct these inaccuracies within 30 days. The law requires thorough investigations as highlighted in cases like XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Any negligence in addressing these disputes could result in liability under 15 U.S.C. 1681n and 1681o for willful or negligent non-compliance.

Ive requested an updated credit report reflecting all corrections and expect detailed documentation of the investigation process as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Failure to resolve these issues may lead me to escalate the matter with regulatory authorities or pursue legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please fix the following accounts XXXX XXXX XXXX  Balance : {$26000.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXXXXXX Balance : {$1500.00}
Product: Student loan

I was never notified interest will accrue on loans when I was in school. That interest accrued and capitalized. I have been paying loans back since 2009 ( approx. $ XXXX/month ) and I have not even hit the principal on my private loans. I was talked into a forbearance a few times although it was not a good move for me because again the interest accrued. There were many many times when I pulled my statement and it showed {$1.00} went towards principal and the remainder of the payment went towards interest. At this rate I will pay back over {>= $1,000,000} for college because of these guys and how they apply my payments! They are all rude and they are all XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Corporations : Sallie Mae, XXXX XXXX XXXX, Navient Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX DEPARTMENT OF EDUCATION/SALLIE MAE XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Sallie Mae and XXXX XXXX have sent inquiry letters, my response to there letters were affidavits of fact dated XX/XX/2019 for which no response was received rebutting any of the affidavits, there for falling into default judgment dated XX/XX/2019 for all affidavits received via Certified Mail See Attachments. Under United States Code 12 USC 73 Oath the bankers affiliated with these Corporations Chief Financial Officers have violated their Oath 's of Office. They have hypothecated and/or pledge as security on loans and debts. Also under Title 12 United States Codes 12 USC 411 Issuance to reserve banks ; nature of obligation ; redemption. Debt is the Obligation of the United States. Under the Truth in Lending Act Regulation " Z '' human beings can not be financial institutions and as a " Person '' which is defined as a corporation under Title 28 Section 3002 ( 15 ) ( A ). I am a sentient living woman I can not be a corporation as defined above in ALL CAPITALS LETTERS. The XXXX XXXX, Artificial Person, or 'Straw-Man ' is not who I am. This leads into a false claim under Title 31 USC 3729 False Claims. The amounts allegedly claimed owed from each corporation is as  follows : XXXX XXXX amount allegedly owed {$260.00} ; XXXX XXXX XXXX amount allegedly owed {$5800.00} and {$3700.00} ; XXXX XXXX XXXX amount allegedly owed {$310.00} ; Department of Education/Sallie Mae allegedly owed {$4100.00}, {$6600.00}, {$11000.00}, {$4500.00}, {$8500.00}, {$8500.00}, {$12000.00}, {$4400.00}, {$12000.00}, {$3300.00}, {$2800.00}, {$10000.00}, and {$5600.00} ; XXXX XXXX  XXXX amount allegedly owed {$850.00} ; XXXX XXXX XXXX XXXX amount allegedly owed {$0.00} ; Navient Corporation amount allegedly owed {$5600.00}, {$2800.00}, {$3300.00}, {$8500.00}, {$10000.00}, {$6600.00}, {$8500.00}, {$12000.00}, {$4100.00}, {$4500.00}, {$8500.00}, {$12000.00}, {$6600.00}, {$2800.00}, {$3300.00}, {$10000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$20000.00}, {$5600.00}, and {$20000.00} ; XXXXXXXX XXXX XXXX amount allegedly owed {$870.00} ; Sallie Mae Amount Allegedly owed {$8700.00} please see attached documents and inquiry letters. This is Identity theft, and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XXXX year old plus senior citizen and retired and I get my medical financial assistance from XXXX and I am not aware or this is a very old information which has been all covered. Kindly remove this from my XXXX  report. Appreciate it and Im very old to handle with these companies and stuff which has been taken care of a while ago.
Product: Credit reporting or other personal consumer reports

hard inquiry XXXX OF XXXX Bank XX/XX/XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX OF XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks
Product: Credit card or prepaid card

On XX/XX/XXXX their was charged made for {$710.00} and some cents. This charge was made from my visa CHASE debt card. I disputed the above charge around the end of XXXX XXXX due to having a large amount of money in my account I didn't notice the above amount was taken out from my account. ) The money was giving back into my account Around XX/XX/XXXX with a new card ; then i went to retrieve my money the middle of XXXX and that I had negative - {$590.00} which Chase had not correct or contact me about resolving this dispute about a purchase made without my permission.
Product: Credit reporting or other personal consumer reports

Someone used all of my personal information to obtain and lease to own product that was never received here or anytime during or after the suspected event on or about XX/XX/XXXX or XXXX, XXXX. 

XXXX XXXX  has attempted to collect and now reporting this on my credit reports, a financial fraud case has been submitted to the XXXX Report # XXXX  today XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX.
Product: Debt collection

Ive explained that I have been out of the country for 10 years to NCB Management services and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.
Product: Credit reporting or other personal consumer reports

I attempted to get my equifax credit report from XXXX and I was not allowed.
Product: Credit reporting or other personal consumer reports

In the past XXXX months XX/XX/year> XX/XX/year> Ive been working on my credit. I sent certified mail to all XXXX Credit bureaus and a lot of information has not been changed. I sent the certified letters to let them know there were hard-hit inquiries that I did not approve. I also sent copies to show them. Which ones wasnt approved by me. There is a reason Trans Union score is a XXXX to XXXX point difference than the other XXXX bureaus and its because they have information incorrect and they refused to fix it. I dont know what I can do. I dont believe any other took off the incorrect information which was a lot of inquiries out of XXXX XXXX Florida XXXX which I did not agree to run my credit for considered hard hits and they havent been removed the issue with Trans Union XXXX why my score is so much lower. I can not figure out and there was no assistance when I spoke to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint, someone use my information to apply for credit cards. So I have inquiries that I didnt put there. The inquiries on these dates, XX/XX/19 ; XXXX XX/XX/19 & XXXX XX/XX/19 were all deleted from my XXXX bureau but inquiries XXXX XX/XX/19 ; XXXX XXXX XX/XX/19 and XX/XX/19 remain. The inquiries XXXX XX/XX/19 & XXXX XX/XX/19 were deleted from my Equifax bureau but the inquiries XXXX XXXX XX/XX/19 ; XXXX XXXX XX/XX/19 ; XXXX XX/XX/19 ; XXXX XXXX XX/XX/19 ; XXXX XX/XX/19 ; XXXX XXXX XX/XX/19 & XXXX XX/XX/19 was not. I reported all of them together. Im disputing these 10 inquiries that wasnt deleted on XX/XX/XXXX and I want them removed as soon as possible. Ive mailed 3 letters to each individual bureau and this is my 3rd complaint. I also would like to recieve all verification of all inquiries deleted.
Product: Debt collection

I am filing this complaint against Firstsource Advantage , LLC for their failure to provide proof of the legitimacy of an alleged debt and for continuing to disregard my consumer rights. I have no contractual agreement with this company and am not liable for this alleged debt. 

On XXXX XXXX XXXX, I sent a cease and desist letter to Firstsource Advantage , LLC, yet I have still not received the requested documentation that would establish their authority to collect this debt. Specifically, I requested the following : A written agreement with their client granting Firstsource Advantage , LLC the authority to collect this alleged debt. 
A Forward Flow Agreement regarding this account.

A signed agreement between myself and this company, or verifiable proof of a contractual obligation to pay them. 
Any agreement bearing my signature showing I agreed to pay the original creditor. 
Confirmation of whether any insurance claims have been made by a creditor regarding this account. 
Confirmation of whether any judgments have been obtained by a creditor regarding this account. 
Despite these requests, Firstsource Advantage , LLC has failed to provide any of the required documentation. Their lack of response indicates that they are either unwilling or unable to establish the legitimacy of their claim. 

Furthermore, I have requested the name and address of their bonding agent, as this information is necessary for the legal actions I intend to pursue. 

I urge the CFPB to investigate this companys practices, as their actions are both unprofessional and potentially illegal. Firstsource Advantage , LLC must be held accountable for their failure to comply with consumer protection laws and their continued harassment without proof of a legitimate claim.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. I believe these remarks do not reflect my current commitment and responsibility toward my financial obligations. I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within a reasonable timeframe, such as 3 days from the date of this letter. Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

XXXX XXXX XXXX Update status on dates followed to current/paid as agreed. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the Equifax security breach, wherein my information ( along with XXXX XXXX others ) was compromised in a cyberattack from XXXX through XXXX XXXX. The affected user accounts were not informed until XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows on my Equifax report that for the month of XXXX and XXXX of 2022, I have late payments for my Attorney General Child Support Account ending in XXXX. I have made the payment faithful to the point its garnished from my work wages. I have disputed it multiple times. Please see attached
Product: Credit card

Received a billing statement from home depot for {$11000.00}. Charges were all within days of each other from around the state of ct. We have our cards in our possession and have only given home depot workers our numbers when ordering. In XXXX i called to alert them, they removed the charges and issue us new cards. Because we had charges that we have made we paid our bill. only to be sent a letter in XXXX to say we are responsible for the amount because we were paying on the bill. We were told to continue our portion of payment until the fraud has been resolved. They then reopened the case as i involved the police. However i have not heard any thing to get these charges removed.
Product: Checking or savings account

on XX/XX/XXXX and XX/XX/XXXX i contacted capital one 360bank about the funds not received from the bank which are {$1900.00} on XX/XX/XXXX I received a letter which is attached that states in 7-10 days they would mail out a check. They have not mailed out any check as of today XX/XX/XXXX. I have contacted XXXX that employee who has issued the letter and left a message. no return call and also the bank which direct me to her again and again not response from this employee. the bank has not illegally been holding my finds for over 18 Months now. I want my check mailed to me within the next week or I want this bank to be help accountable for the actions taken. I have been more than patient on this matter and I have a letter directly from a previous complaint stating they would mail a check and they still have not. Please step in and get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the accounts below belong to me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian Report number XXXX. 

Experian has refusing to properly investigate and remove the inaccurate, incomplete, unverifiable or information option as a result of identity theft. For any and all of the data being reported on accounts listed below. 

XXXX XXXX Also known as XXXX Account number XXXX Account type Credit card XXXX XXXX  XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX. 

I have the right to have a 100 % accurate credit report across all three Consumer Reporting Agencies. XXXX has already removed these accounts. See CFPB complaint attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; US BKPT CT IL XXXX Bankruptcy XXXX XXXXdischarged Reference # : XXXX ; US BKPT CT IL XXXX Bankruptcy XXXX XXXXdismissed Reference # : XXXX.
Product: Vehicle loan or lease

I have a vehicle loan with PNC Bank. I called them to get their automated recorded system telephone number so that I could start making extra payments per month, they told me that they had that system but they discontinued the system, no reason given for the deletion. No reason needed, it is about money. Charge XXXX people XXXX dollars to make a payment you end up with XXXX dollars extra in your account!!! I am in the wrong business!!! I spoke to a manger by the name of XXXX XXXX and she was very evasive about the reason why they discontinued the automated system. I realize that I can go online to make a payment, I have been hacked twice from on line banking and no longer use it. I could mail it but then you would have to depend on the XXXX XXXX XXXX, no thanks!! I could drive the payment down there, wait, the gas prices would make that method wasteful to me!! What is wrong with making these people set the automated system back up again? Isn't this still a country of " we the people?!, or is it " we the crooks '' and we don't go to jail!!! I digress, thank you for your time.
Product: Credit reporting

I have disputed a collection on my report from XXXX XXXX XXXX XXXX who claims they are collecting on behalf of XXXX. Account number that shows is XXXX. Transunion refuses to remove this incorrect collection from my report. I am including proof I do not owe money for this. As you can see I have a {$0.00} balance with XXXX because student loans paid for this.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT is reporting a collection account that does not belong to me. There was no investigation by the credit reporting agencies to confirm this account. Midland Credit Management has not furnished any documents proving this account belongs to me.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The Inquires are XXXX. XXXX - XX/XX/year> XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX. XXXX XXXX XXXX XXXXXX/XX/year> XXXX
Product: Vehicle loan or lease

I am writing to file a formal complaint regarding repeated violations of the Servicemembers Civil Relief Act ( SCRA ) by Navy Federal Credit Union ( NFCU ). As a servicemember directly affected by these violations, I am deeply concerned about NFCUs failure to comply with legal protections designed to safeguard military personnel and their families. 
After numerous requests, NFCU has for two years sat on their interest rates above the 6 % threshold despite being contacted multiple times. They have continued to collect an inflated amount, charge late fees, and fail to assist when I have already proven financial hardship. Currently they have provided a forbearance on my mortgage after I raised concerns with the VA. They even sent a contractor to my home to take pictures and begin foreclosure proceedings in violation of the law. Several accounts that began before my mobilization remain at excessive percentages.

Based on my experience, the following SCRA violations were committed : Incorrect Application of Interest Rate Caps : I encountered significant obstacles in securing the mandated 6 % interest rate cap on pre-service obligations. NFCU imposed additional documentation requirements that are not outlined by the SCRA and delayed the implementation of the rate cap.

Failure to Communicate and Resolve Issues Promptly : Despite multiple attempts to resolve this issue, NFCU staff provided inconsistent information and failed to address my concerns adequately.

I believe my case may reflect broader systemic issues within NFCUs compliance practices. While my primary focus is the resolution of my individual complaint, I urge the CFPB to investigate NFCUs adherence to SCRA requirements more broadly to protect other servicemembers from similar harm. The business has been the subject of numerous credible violations as of late.

The SCRA provides critical protections to servicemembers, and it is essential that financial institutions honor their legal obligations. I appreciate the CFPBs commitment to upholding the rights of consumers and servicemembers.

I have attached documents showing the rates, my orders, communication logs with NFCU and a complaint with the DOJ.