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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These Hard Inquiries dont belong to me, hasnt being authorized by me and has to be removed. Also this as well. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I recently applied to the Barclays XXXX XXXX as I am traveling more with XXXX. I received a letter in the mail stating a thank you for applying, but they need additional information to process the request. What is needed is Drivers License front and back, social security card front and back, and utility bill. I have never in my life needed to send my social security card and am not comfortable with this. I feel discriminated. I have never ever had to submit any of these in my life of using credit cards. My credit is immaculate... 

They then want me to submit these copies via mail. Why do I have to go out of my way to mail these and pay for these expenses? Very unethical. I can email or attach copies, but to me this is going too far. I want a resolution.
Product: Mortgage

Pennymac the loan servicer was initially contacted on multiple occasions in regards to hardship on my mortgage as I will be permanently having a loss in come due to my employers commission structure. I spoke to the hardships team which couldn't help me until I fully defaulted on the loan they only option provided was short term forbearance. I was then transferred to the refinance team as an alternative and spoke to XXXX XXXX who provided a deceptive loan estimate with an estimated prop value of XXXX. All he was interested in was a sale and his commission not my hardship. He was asked multiple times how accurate that value was and how that would affect the loan and he assured me it wouldn't have so much an impact if the appraisal came back less.The appraisal came back less and jacked up the loan origination fees and cost of the rate by XXXX ( see pg 2 of support ). XXXX also falsely put a cash out refi on the loan estimate and the purpose of the loan was lower the payment and/or interest rate NOT to take cash out. He offered to give me XXXX cash out without me asking for it. I spoke to his manager XXXX XXXX XXXX on multiple occasions who advised me that the refi was not in my best interest and wanted me to bring XXXX in closing costs to the table which can not afford due to loss of income. I continued to get emails from XXXX XXXX about my refi that was still going through without my consent as nobody would speak to me about the loan as they were proceeding on their own terms. I would just get redirected to XXXX 's voicemail in hopes of a call back. Due to this pennymac has put multiple inquiries on my credit that I would like ALL of them removed, all my calls listened to, and would also like their deceptive sales practices looked into as they do not have the consumers interest at heart especially during times of hardship. LOAN ID XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Re-Insertion of Previously Deleted and Unverifiable Debt I am filing this complaint against XXXX, Equifax, and the debt collector XXXX XXXXXXXX XXXX regarding the improper re-insertion of a previously deleted and unverifiable debt on my credit report. 

The account in question is XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX. 
This account was originally submitted to my credit report by XXXX XXXX XXXX ( Original Creditor : XXXX ). 

Following a dispute, this account was deleted from my credit report because it was found to be inaccurate or unverifiable. 
A few months later, XXXX  XXXX XXXX submitted the same debt, and both XXXX and Equifax reinserted the account on my credit report without conducting a proper investigation or notifying me as required by the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations : This situation involves potential violations of the FCRA, specifically : Re-Insertion of Deleted Information ( FCRA 611 ( a ) ( 5 ) ( B ) ) : A consumer reporting agency can not reinsert deleted information unless the furnisher certifies its accuracy, and the CRA conducts a reasonable investigation. To my knowledge, no certification or investigation occurred.

Failure to Notify ( FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) ) : If reinserted, the CRA must notify me in writing within 5 business days. I received no such notification.

Failure to Investigate Disputes ( FCRA 611 ( a ) ( 1 ) ) : Both CRAs failed to conduct a reasonable investigation before re-adding this account. 

The improper re-insertion of this unverifiable debt has caused harm to my credit score and overall financial standing. The failure of XXXX and Equifax to comply with the FCRA has also caused undue stress. 


The attached documents demonstrate the following timeline : XXXX. In my credit report pulled in XXXX XXXX  XXXX XXXX XXXX was listed as reporting the debt. 

XXXX. In my subsequent credit report pulled in XX/XX/scrub>XXXX XXXX the entry for XXXX XXXX XXXX had been removed from my credit report. I also received formal notice from the credit bureaus confirming the deletion of this account. 

XXXX. However, in XXXX XXXX XXXX XXXX XXXX submitted the same account to both XXXX and Equifax, and the debt was reinstated on my credit report. This was done without any notification to me or an investigation by the credit bureaus, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX  XXXX XXXX  XXXX. XXXX  XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX To Whom It Might Concern, Were contacting you AGAIN regarding the merger of our files and reports. We are still noticing that our names, accounts and personal information is still illegally merged and combined on each others reports. We have sent you letters requesting to dispute. We have called you on the phone and requested to dispute. We have mailed you letters in the mail requesting to dispute! We have mailed you copies of our Drivers License. We have mailed you copies of our Social Security Cards. We have included copies of our past and present credit reports to show the discrepancies. We have filed countless complaints on the CFPB website. However, you continue to ignore and disregard our requests, disputes and complaints. 

We previously disputed these incorrectly reporting personal information to each of you and it was never deleted, corrected, verified or investigated. It remains or it was deleted and added back without further verification taking place. We sent letters and complaints on XX/XX/XXXX CFPB telephone complaint, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website and again today, XX/XX/XXXX CFPB website. We requested that you remove ALL incorrectly reporting information and send us new, updated, completed copies of our credit report. That has not happened to date! 

As of todays date, XX/XX/XXXX we have decided to proceed with legal action. We have contacted our attorney and requested that he file a monetary Tort complaint against you effective immediately for intentionally reporting inaccurate, incorrect, misleading, false information on my credit report. You have not sent any of the requested information. You have not sent us any investigation results. You have not sent us any letters or proof of validation. You have not sent us any signed contracts. At this point, we are overwhelmed, exhausted and simply mortified of your behavior. Laziness and inability to follow through on your job. 

The information that is reporting is inaccurate. You are continuing to intentionally report false, inaccurate, incriminating information which is a violation of FCRA. You have failed to respond to our requests within the original allotted 30 day timeframe. The added 15 day timeframe. The final 24 hour deadline. You have NOT verified any information listed regarding anything we have previously submitted to you. There are several discrepancies and we demanded that it was all deleted immediately. Attached, please find copies of the court case numbers, court dates and names of all parties involved in the lawsuit!
Product: Credit reporting

XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX   XXXX / XXXX / XXXX  DOB   XXXX   SSN Report #  ( r eport enclosed ) Attention :  XXXX ,  XXXX ,   XXXX   I have recently acquired my Credit Report. After carefully reviewing its contents, I have found some inaccurate information that the credit report details.   Item Disputing :  XXXX   XXXX   ( REF  #  XXXX  ). This is not nor has ever been my account. This has caused me financial harm, please delete immediately.   Please investigate the accounts listed, under the provisions of the Fair Credit Reporting Act  ( FCRA ), 15 USC section 168li.  A period of 30 days shall be " reasonable time '' to investigate the accounts in question, unless you notify me immediately otherwise. Failure to verify the above information within the 30 day time period constitutes " non-verification '' and the accounts in question must be immediately removed from my credit file and credit report according to  15 USC section 1681i ( a ) Also, 15 USC sections 1681i ( d ) and 1681j o f the Fair Credit Reporting Act require that I receive written notification of the updates, an up-to-date credit report ( at no charge ), and that an up to date credit report be sent to anyone who received my credit report within the last six months.   If you have any questions regarding this matter, or, if you are having any difficulties completing this task, please contact me using the above information.     Please take note and govern yourself accordingly. Thank you for your cooperation.   Sincerely,  XXXX   XXXX
Product: Student loan

I am paying on several school loans, I thought this loan was paid off. The company did not reach out to me with any late notices. I noticed my credit was effected in a negative light. So I found out my loan was not paid off. Before and after this incident, I have no other non payments. I asked them to take this off my credit report after i was current. The delinquent accounts were in XXXX, XXXX, XXXX, XXXX of XXXX. I asked if I paid them if they would take them off. My credit is very low because of this school loan. Company Name is FEDLOAN servicing.
Product: Credit reporting or other personal consumer reports

DISCOVER BANK DATE OPENED BALANCE {$2500.00} XX/XX/XXXX DISPUTED WITH CREDIT BUREAUS, DISCOVER BANK DATE OPENED XX/XX/XXXX bALANCE {$4400.00}, MISSIONLNTAB DATE OPENED XX/XX/XXXX CREDIT LIMIT {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collecting on a debit that has been obtained through identity theft. Attached is a copy of my FTC XXXX, Dispute & Notice of XXXX info
Product: Credit reporting, credit repair services, or other personal consumer reports

negative items are scheduled to be deleted from my credit report and they still appear
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the accounts below that were reported, without any warning, it is hurting me. 

Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, I disputed a mark on my credit report being listed by XXXX XXXX and the dispute results came back as " verified and accurate ''. Thus, I wrote XXXX XXXX a letter asking for the records used to verify the debt. In fact, I specifically asked for a copy of the original contract and full accounting for the amount claimed to be owed. However, In XXXX XXXX response letter, I didn't receive neither of the requested documents nor did I receive any other documentation that validates this debt. Furthermore, in XXXX XXXX response letter, it is stated that I didn't provide sufficient or specific information that explains the basis for my dispute. This is false. Once again, my basis for the dispute is that I have no knowledge of this debt, thus, I do not owe the amount claimed to be owed. I have attached the documents that XXXX XXXX is trying to use to verify this debt. This document does not prove that i owe this debt. Thus, how could the results have come back as " verified and accurate ''??
Product: Credit card or prepaid card

On XXXX XXXX I purchased an American Express Gift Card to rent a vehicle from XXXX XXXX  XXXX. On XXXX XXXX upon going to pick up my rental I was informed there was no reservation and that a scam had been going on with several people coming in with gift cards/prepaid cards to purchase rentals. However I preceded to contact American Express to inform them that I had been scammed. Upon the first contact on XX/XX/XXXX about XXXX XXXX  I was told by the first customer service representative that I needed to call the merchant and was given theses merchant ID numbers XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX that XXXX had been pending charge and another for {$10.00}. I ask how to contact to find out who used or where the purchase was made she informed me I have to XXXX. Upon doing so I only got a XXXX writing so I proceeded to call back. I was told by the second representative that the account was put on hold that nothing would be done unless I reach the merchant to return the money because they couldnt do anything so to card agreement which I didnt understand if they were both saying my account was on hold why wasnt it that they could not stop/cancel the card completely because its a scam. She stated madam you will have to contact the merchant. I proceeded to do my own research and again no success so I call again American Express and spoke with XXXX who gave me the name of merchant XXXX XXXX transaction {$100.00} XXXX, {$190.00} XXXX and XXXX  which I research and its an app they purchase {$10.00}. After doing research and calling the XXXX company at XXXX no answer the whole Sunday but on Monday the XXXX I called it say my caller id could not go through not sure that meant so I later tried XXXX at XXXX I was told on recorded line due to high call volume that but call may not be accepted so I found an email tried contacting them that way was told it could not be sent. Well I waited just sent another asking they had a customer service number and later was responded but I cant speak a person this was after I attempted to call American Express talking to a supervisor who kept apologizing saying sorry Mrs XXXX because of the card agreement we can not refund your money there is nothing we can do you have to contact the merchant I kept explaining to her it was a scam and no merchant is taking my calls I have been blocked from the XXXX and XXXX number which gives an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I have enclosed all documents I have of my contacts and Im unsure if I should continue with XXXX  because Im unsure whats real and what not when I have already lost XXXX due to trying rent a car that had the actual XXXX number
Product: Credit reporting

This complaint is regarding XXXX and information derived from the credit breauras. One of my issues is that i am constantly denied housing in the XXXX XXXX- XXXX XXXX XXXX . Public information is being reported about me that is either inaccurate, Can not be proven or is either out dated. For instance, This XXXX charge " XXXX " case # XXXX occurred in XXXX/XXXX/XXXX which is beyond the statute of limitations which is ( 7 ) seven years to be reported.However, its being reported more than a single instance on a report. Also, The charge of " XXXX '' case # XXXX dates back to XXXX XXXX XXXX, The charge of " XXXX " case # XXXX too dates back to XXXX/XXXX/XXXX, and the charges of " XXXX '' case # XXXX, XXXX case # XXXX and the charge of XXXX case # XXXX are all outdated information that is still being reported. Also XXXX and exquifax are not accurately reporting my current mailing address properly which is XXXX XXXX XXXX XXXX North Carolina XXXX. I ask not to be judgmental i was a innocence man XXXX and is attempting to restore order to his life.
Product: Debt collection

I sent a validation letter to XXXX XXXX XXXX on XX/XX/2018. They never responded with the validation request but sent another bill on XX/XX/2018. I then received a phone call asking me to verify my last 4 digits of my social security number and address. I have yet to receive validation of this account and request that it be deleted from my credit files as this is causing major issues with the home buying process.
Product: Debt collection

XXXX XXXX XXXX sent a {$110.00} bill directly to ERC collections without sending me a bill in XXXX 2022. I contacted XXXX and completed a chat with a representative who stated my account was never past due and confirmed I did not owe anything. I never missed a payment to XXXX or any company in my life. 

Due to this scam of a claim my credit score dropped over XXXX points. Today I filed a dispute against Enhanced Recovery Collections through XXXX. The item was deleted from my XXXX credit report. I messaged XXXX via XXXX this morning. XXXX has yet to rectify this situation.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : Experian, XXXX, and XXXX. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.
Product: Credit reporting or other personal consumer reports

Good evening. I recently filed a complaint with your organization regarding discrepancies with my credit report for XXXX, XXXX and Experian. You organization just corrected a major error with XXXX. After XXXX corrected the issues. Experian lowered my scored approximately 2 points which is not significant. However, it was stagnant during the time period your organization investigated XXXX and eventually it decreased. My credit card payments are on time and no explanation was provided why they decreased my score. My XXXX score also dropped XXXX points for no apparent reason. A few weeks after your organization corrected the inaccuracies with XXXX credit score dropping XXXX and Experian remain stagnate and eventually decreased. An attachment of the credit score dropping is attached This complaint is on Experian credit bureau
Product: Debt collection

I received a letter on XX/XX/2018 from Sunrise Credit Services stating I owe {$620.00}. Ive dealt with this fraudulent issue since XXXX. XXXX allowed someone to impersonate me over the phone and even steal a phone. They refused to cooperate with the police and told me though I have put regulations on my account anyone can call with my information. They allowed bogus information, phone orders, fraudulent payments and thefts for months without my knowledge. When it came to making a police report they wouldnt provide the information needed. I have several report numbers from the FCC and Illinois Attorney General. This was fraud take accountability for allowing someone impose as me. XXXX had me calling insurance companies and told me this bill was from something else. It took a week for a rep to tell me what it truly was fraud! FCC # XXXX Now they have a company sunrise contacting me for a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to reinvestigate this account, check for inaccuracies, etc. Everything keep coming back verified and accurate. How can this be when the date filed is inaccurate and the closing date is not accurate. This is grounds for removal. 

Also, in accordance with the Fair Credit Reporting Act The US Bankruptcy Court Reference # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US 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

A verification dispute was sent out to Equifax on XX/XX/year> about verifying the accuracy of negative accounts on my credit report. It has been over XXXX months and I still have not received a response from Equifax regarding my dispute letter. 

According to the FCRA, the credit bureaus must investigate and respond to disputes in a specific timeframe. Equifax has failed to comply with the rule of the FCRA. With this complaint, I will be including a copy of my dispute letter that I sent out to Equifax and a copy of my ID.
Product: Student loan

My student loan payments are being applied to interest only instead of principal, then interest, including extra payments. I have asked for an explanation from the Navient advocate but have only received meaningless double-speak. Meanwhile, my loan amounts continue to increase rather than decrease. I pay {$200.00} per month.