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

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 46 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX XXXX added an account for {$2100.00} to my credit profile that does not belong to me. This account was disputed and removed from my reports previously in XXXX. This item was re-added to my report on XX/XX/XXXX. I immediately disputed the item on XX/XX/XXXX and the credit bureau returned results on XX/XX/XXXX saying this information was verified. This is not my account. This account has been reported to XXXX, XXXX  and Transunion. This is not my account.
Product: Student loan

I reached out to Navient Corp, student loan servicer, to inquire about the current balance of {$17000.00} shown on my {$30000.00} private student loan, thereafter 124 monthly payment of {$350.00} were made, insofar, totaling, a repayment of {$43000.00}. This sum is in the neighborhood of the final amount they are supposed to collect over the life of a {$30000.00} loan with a repayment duration of 10 years, at 5.75 % interest rate. Not only do I question the amount to be much higher than normal, but also to stipulate whether the loan, at this point, should be paid off. Instead, if adding to remaining balance of {$17000.00}, the amount of {$13000.00} already paid, in excess, over the disbursed amount, of {$30000.00}, Navient plans to collect at least the sum of {$30000.00}, in finance charge! This is both ridiculous and absurd to charge an interest rate of 13.50 %!!, which, though variable, caps at 8 % : Here is the response I received from Navient ( I have attached the letter with my complaint ) : -- -- -- -- -- -- -- " It is important to understand that interest accrues beginning at disbursement until the loan is paid in full. Your Private Signature Student Loan was disbursed for {$30000.00} on XX/XX/XXXX. The Disclosure Statement sent to you at the time the loan was disbursed provided an estimated finance charge of {$40000.00}. In addition to the disbursed amount, this would total approximately {$70000.00} over the life of the loan. 
The finance charge provided on the Disclosure Statement is an estimate and can vary based on the actual interest rate charged on your loan, as the interest rate for your loan is variable. This amount may also change due to the use of deferment, forbearance, or making late or reduced payments. '' -- -- -- -- -- -- - I have NEVER agreed to a finance charge of {$40000.00}, in addition to repaying a {$30000.00} student loan!! Irrespectively, in the event I did sign for such loan, this finance charge would be strictly above the chart of allowable fees, and void, by law. Moreover, the exorbitant charge shall be interpreted as evidence of financial tort and business malpractice, on their part, instead of used to prove I agreed to repay such an abusive fee. I was financially misled by Navient, who is wrongfully overcharging an interest of 13.50 %, instead of keeping the rate within the required 4.75 to 8 % bracket. If the current repayment plan were to be maintained, when {$70000.00} is finally collected, subtracting {$44000.00}, it would result in an illicit extra surcharge of {$26000.00} ( approximated ). 
It is important to highlight that although the loan forgiveness program was created in XXXX to discharge public workers of their student loan obligations in exchange for their community service, forgiving Navient, for its disservice, is out of question, today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated theis account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This was already included in my prior Ccomplaint, and I'm including it again. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$960.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE APPLE CARD/GS BANK USA 8 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XXXX XXXX, 2023 Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XXXX 2023. 
Status updated XXXX 2023 Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally address a serious security concern involving Experians handling of my personal information. While attempting to create an account with Experian, I discovered that an account already exists under my Social Security number and other personal detailsone I did not create. This raises concerns about potential identity theft or misuse of my sensitive information. 

Here is what occurred : Upon entering my Social Security number and date of birth during account creation, I received a message stating, " It looks like you already have an account with the information provided. '' I then selected the " Forgot Username '' option, entered my Social Security number and date of birth, and received a message stating, " We have sent your username to the following email address : XXXX. '' To my knowledge, I have never created an account using an email beginning with " XXXX. '' Initially, the system indicated the email ended with XXXX, '' but it now states it ends with XXXX, '' which is even more concerning. This discrepancy suggests potential impersonation or misuse of my information tied to Experians platform. 

On XX/XX/XXXX, I reported this issue to Experian via phone and was assigned case number XXXX. During that call, I provided my email address to facilitate further communication. However, when I followed up on XX/XX/XXXX, I was informed that an email was sent to me on XX/XX/XXXX requesting XXXX email I never received. This failure in communication only adds to my concern about Experians handling of this matter. 

This situation is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which governs permissible purposes for obtaining and using a consumer 's personal information. Furthermore, Experians apparent lack of robust internal controls to prevent unauthorized account creation violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy and security of consumer data. Additionally, Experians failure to investigate my report thoroughly contravenes 15 U.S.C. 1681i ( a ), which mandates a reasonable investigation upon receiving a dispute or concern regarding inaccurate or potentially fraudulent information. 

To support my request and verify my identity to them, I have sent include the following documents : A copy of my most recent utility bill A copy of my verification of insurance for my vehicle ( since my drivers license does not reflect my current address, I have included my insurance verification as additional proof of address ) A copy of the front and back of my drivers license A copy of the front and back of my Social Security card Additionally, I am providing XXXX email addresses and a phone number for further communication : XXXX XXXX  Phone : XXXX  ( if I do not answer, please leave a voicemail ). 

This matter is of utmost importance to me, as I have been involved in previous data breaches and can not afford to have someone misusing my information to create fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to rectify inaccuracies in my credit report.The purpose of this letter is to formally register a complaint against the persistent errors present in my credit report. 

I have made repeated efforts to correct the inaccurate information in my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). Unfortunately, despite my numerous attempts and the submission of supporting documentation, the inaccuracies persist, causing considerable distress and hindering my ability to secure fair financial opportunities. 

The inaccuracies in question include late closure, charge off and inquiries. I have attached copies of the supporting documents that verify the correct information and clearly demonstrate the errors in my credit report. 

Despite these efforts, I have not received any meaningful resolution or acknowledgment of my concerns. This lack of responsiveness is not only a violation of my rights under the FCRA but also an impediment to my financial well-being. 

I kindly request that you promptly investigate and correct the inaccuracies in my credit report. Additionally, I expect a written response detailing the results of your investigation within the statutory timeframe as outlined in the FCRA. Please assist me to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

Union Home Mortgage ( UHM ) is not paying my property taxes with the money in my escrow account. 

My property taxes were due XXXX, and UHM has failed to pay my property tax bill ; I have never missed a mortgage payment, so this is absolutely ridiculous. 

As of XXXX, I owe : - {$2100.00} in property taxes for the year XXXX  - {$43.00} in accrued interest for these property taxes - {$21.00} in accrued penalties for these property taxes I called UHM and sent an email to XXXX with a bill & an account summary on XXXX to show them : 1. the property taxes that they should pay with the money in my escrow account 2. the interest and penalties they need to pay for failing to service my account properly It has been over a week since I called & emailed them and I have not receive any response back regarding the status of my ticket.
Product: Credit reporting or other personal consumer reports

I wrote to the 3 credit reporting agencies XXXX, XXXX XXXX Transunion XXXXXXXX  explaining the section 15 USC 1681a. Means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. which was not fulfilled on my end, I have multiple inquiries that have not gave consent for, Credit Card Utilization, XXXX car installment loan. XXXX wrote me a response XXXX, TransUnion XXXX, & XXXX all are saying the information is accurate
Product: Debt collection

Hello, I'm writing to inform the CFPB that the debt collector has failed to validate my debt that they claimed I owe. I had requested for the debt collector to validate my debt. I sent a validation letter to the debt collector on XX/XX/2023. I requested for them to send me the complete payment history, Agreement that bears the signature of the alleged debtor, Letter of sale, and Intimate knowledge of the creation of the debt. The debt collector failed to send me this information. I will attach the letter I sent the debt collector and it will have more details regarding my validation I sent.
Product: Debt collection

LTD Financial is now stating I owe XXXX XXXX {$870.00}. This debt was paid through another collection agency in 2021 and the check cleared through my bank. I do not owe this money.
Product: Mortgage

After the XXXX  in XXXX it was apparent the family home was in foreclosure. I attempted to work with Wells Fargo by producing 10 packets through XXXX and was denied a new loan, I used a local housing counseling program as requested, and tried mediation. I received a letter from Wells Fargo on XX/XX/XXXX stating that the property did not qualify for a HAMP loan because it was " a three unit, investment property. '' The property is NOT an investment property, I called immediately and left a message ; it was a home on 1.69 acres ; I had no idea where the idea it was an investment property came from. I received a letter of apology from Wells Fargo on XX/XX/XXXX stating that their previous letter of XX/XX/XXXX incorrectly referred to as a " three unit, investment property. Per the original loan application, our records indicate that the loan was originated for a single owner occupied property. '' " WFHM regrets any inconvenience or confusion this may have caused you. '' The letter stated my loan " is in review ''. Once I received the HAMP loan the mortgage jumped from {$290000.00} ( XXXX ) to over {$350000.00} ( XXXX ) and WFHM refused to negotiate to forgive or allowed for their error involving their mismanagement and misinformation of the property. I believe the hardship of 3 years plus they unwillingness to forgive any of the penalties and interest qualifies for the pay out being offered. The loan was also supposed to be in my name only and yet to this day they have not taken my former husband ( now deceased as of XX/XX/XXXX ) off the loan as promised. I signed the paperwork for the HAMP alone and he was not part of the HAMP loan as we were divorced and he did not fill out any of the 10 packets. Why is the loan still in both our names when only I applied? WFHM informed me ( in XXXX ) that to take his name off required another re-finance that I felt was too costly ( I was quoted between {$40000.00} to {$50000.00} ).
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XX/XX/2022 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year> XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>
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 items 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 items. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Ive been trying to modify for over a year and a half they keep asking for payment stubs and letters I have provided everything I am now in bad debt XXXX and my credit is bad due to this rotten company. I have called several times and asked for manager to call me back. I have gotten nowhere with them, they are just making me XXXX XXXXn their water
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I attempted to withdraw {$140.00} from a USAA-branded ATM inside a XXXX. The ATM dispensed {$140.00} however it got stuck behind a metal plate. I attempted to move the metal plate. The ATM activated the rollers again and the computer running an older version of XXXX abruptly crashed. The ATM restarted and the rollers activated again where it then crashed. I informed an employee of what happened, and they told me they did not have access to the ATM and that somebody had just been out to fix it. An employee and I examined the metal plate on the ATM and we were only able to pull out XXXX XXXX dollar bills equaling {$40.00} that were sticking out through a gap. I proceeded to call the number on the ATM and the representative informed me that I had to dispute it with my bank. I filed the dispute for my missing {$100.00} and so USAA deposited a temporary {$100.00} while they investigated the claim. A month later on XX/XX/XXXX, I was informed the dispute was denied as the merchant provided proof that the ATM had no errors and money was dispensed. I went back to the XXXX and noticed an out-of-order sign on the ATM. I headed to the customer service desk and talked to an employee about the ATM where I learned the ATM is known to have issues. She informed me that it constantly rips up money, jams, or does not dispense money. On the XXXX I requested the document that they provided in order to come to that conclusion and upon receiving it I was dissatisfied and called USAA to reopen it and properly investigate the dispute on their poorly maintained ATM. Finally today, XX/XX/XXXX the dispute was closed and they withdrew the temporary credit.
Product: Credit reporting or other personal consumer reports

I am disputing the reporting and handling of multiple accounts by XXXX  XXXX XXXX, submitted to both XXXX and Early Warning Services ( EWS ). These accounts were inaccurately reported, and no verifiable evidence has been provided to substantiate the claims. 

XXXX : Account Ending in XXXX : Closure Date : XX/XX/XXXX Original Charge-Off Amount : {$380.00} Reported Issue : Account abuse Actions Taken by Me : I submitted a dispute requesting detailed evidence from XXXX XXXX XXXX and XXXX to validate the claims of account abuse. Bank XXXX XXXX provided a signature card but did not furnish any transaction records or evidence supporting the abuse allegation. 
Despite the lack of evidence, XXXX verified this account as accurate based solely on the signature card. 
Account Ending in XXXX : Closure Date : XX/XX/XXXX Original Charge-Off Amount : {$370.00} Reported Issue : Suspected fraud activity Actions Taken by Me : This account was initially removed from my XXXX report after a dispute but was later reinserted. 
XXXX failed to comply with the Fair Credit Reporting Act ( FCRA ), as it did not provide clear reinsertion notification or certified evidence validating the claim. 
Early Warning Services ( EWS ) : XXXX  XXXX XXXX Accounts : Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Reported Issues : Fraudulent activity and account abuse were alleged without proper evidence or authorization. 
Actions Taken by Me : I submitted disputes to EWS regarding these accounts and requested all documentation to validate the claims, including transaction details, evidence of fraud, and wet-signature agreements. 
No evidence beyond vague allegations was provided by XXXX  XXXX XXXX, nor was there transparency in the verification process. 
XXXX XXXX XXXX Accounts : Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Reported Issues : Fraudulent activity was alleged, but no evidence was furnished to substantiate the claims. 
Actions Taken by Me : I requested detailed records from EWS and XXXX  XXXX XXXX to confirm the validity of these allegations. No supporting documentation has been provided. 
XXXX Accounts : Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Reported Issues : Fraudulent activity was reported, yet no verifiable evidence or authorization exists for these claims. 
Actions Taken by Me : I requested documentation from EWS and XXXX verifying the allegations of fraud or abuse, including transaction details and signed agreements. No sufficient evidence has been provided. 
Actions Taken by XXXX and EWS : Both agencies failed to comply with FCRA requirements to ensure accurate and verifiable reporting. 
XXXX allowed the reinsertion of disputed information without providing proper notice or documentation. 
EWS continues to report unverifiable accounts without substantiating the claims, despite multiple disputes
Product: Debt collection

medical debt placed on credit report, no letting stating what debt was for.