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

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX    XXXX {$800.00} XXXX  XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$120000.00} XXXX  XXXX XXXX {$120000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

experian has refuse to invesitgate, verify, and delete negative accounts and hard credit inquiries on my credit file negative items and inquiries are not factual data unless verified
Product: Debt collection

COLLECTION MANAGEMENT at XXXX XXXX XXXXXXXX, Phone number : ( XXXX ) XXXX has been reporting a collection to the 3 Major Credit Bureau in the amount of {$1300.00} without written notification about the allegedly debt ( I didn't receive notice to dispute the allegedly debt ). The collection has been reported as past due balance. I do not know this company nor the original creditor : XXXX XXXX XXXX XXXX also I have never received written notification about the allegedly debt from the original creditor : XXXX XXXX XXXX XXXX to dispute the allegedly debt. I have never done any business with these companies. These companies do not have a contract with my signature.
Product: Mortgage

I have been in the process of attempting to get a loan mod from Capital One for months. I sent in my first application XXXX/XXXX/15. Their strategy is repeated over and over by first telling me they have everything they need except for a short list of documents. I send them the requested documents right away. After some time they contact me to ask for updated documents, which I send. In one case I sent the documents just before their deadline. A few days later they notified me the application had been cancelled because they had not received the documents before the deadline. I told them I had sent them. They looked again and were able to find them but then told me because the application had been cancelled I had to apply all over again and I must do it really fast because the foreclosure sale was right around the corner. I sent the new and revised application right away. The whole routine started again, asking for more documents, loosing documents and asking for them again, each time telling me the foreclosure is about to happen if I do n't get them in fast. 
I am now at the supposed final steps again, with the foreclosure set for Monday XXXX XXXX, 2015. Yesterday ( XX/XX/XXXX ) they gave me a new list of documents to update, which I sent to them within an hour except for an updated P & L, which I sent today ( XXXX/XXXX/15 XXXXET ). A call to them informed me the sale was still on for Monday. There seems nothing I can do to appease Capital One. There is equity in my house and I think they are dead set on taking it to sale where they would probably get the house back and sell it for a profit, all while cheating me of my house. 
I was completely current on my payments but because my husband ( only him ) filed bankruptcy to stop a civil lawsuit. My house was my separate property but the bankruptcy court took the house anyway. They collected the payments for a couple of years all while not making any mortgage payments or property taxes, then gave the house back to me. I never missed a payment but yet it is now years behind in payments. I had no choice but to lose the house to foreclosure or apply for a loan mod.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX BalanceOwed XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; 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: Debt collection

Name of Creditor : MOBILOANS LLC Address : XXXX : XXXX, LA XXXX Re : MOBILOANS LLC Amount : {$760.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
Product: Checking or savings account

Wells Fargo bank has just implemented a XXXX XXXX  monthly fee for checking accounts with a balance less than {$20000.00}. This is price gouging and penalizes low income people.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX  checking my credit report because of a job requirement and I notice things on my credit report that are not mine. Now that I need to take courses that align with my Career path I am hindered because of these accounts. I have made disputes to XXXX credit bureau already to have these charges removed. I am currently waiting on a status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$1900.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$3800.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$960.00}, XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

I did not sign any contracts with XXXX XXXXt- The original Creditor is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly UPDATE all information that is inaccurate, incomplete, or which can not be verified.

Under 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open end consumer credit plan AS LATE FOR ANY PURPOSE, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be PROMPTLY updated/negated in its entirety. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be UPDATED immediately. 

Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX XXXX Account # : XXXX Account Status : Closed I have no knowledge of late payments because THERE ARE NONE and all 3 credit bureaus are showing different dates which again proves inaccuracy. 

I AM DEMANDING THAT THIS ACCOUNT BE UPDATED IMMEDIATELY TO PAID AS AGREED AND NEVER LATE. 

I HAVE SENT LETTERS TO ALL XXXX CREDIT BUREAUS MULTIPLE TIMES!!! ASKING THEM TO LOOK INTO THE PROBLEM AND CORRECT THE ISSUES THERE. THIS INACCURATE INFORMATION ON MY REPORT IS NOW HINDERING ME FROM PURCHASING A HOME AND GOING ABOUT MY LIFE AND IF IT IS NOT FIXED WITHIN THE NEXT WEEK I WILL BE TAKING THIS UP WITH MY ATTORNEY TO TAKE LEGAL ACTION.
Product: Student loan

I have made several attempts to have my co-Signer release from my private loans. They have made it so difficult its almost impossible. I needed to provide a ridiculous amount of paperwork, only to be denied with a XXXX XXXX XXXX. I received from Navient that only my financial obligations were too high, even though i have never missed a payment on the loan.
Product: Credit reporting or other personal consumer reports

I have asked Experian XXXX separate times to conduct an investigation into XXXX  accounts on my credit report that I believe are inaccurate. Each time XXXX sent me an automated computer generated response saying they do not believe the request was coming from me. Every time I provided Proof of XXXX  and Proof of XXXX and they refused to do so. They have consistently violated my rights under the Fair Credit Reporting Act and should be held accountable for this.
Product: Mortgage

Bank of America has tried to collect on a Home Equity Line in 2013. After we inquired about the " Justice Department Settlement '' they sold the loan to XXXX who is now trying again to collect.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to correct my personnel information after, I have provided documentation. Equifax refuse to comply by reporting inaccurate information on my credit report. According to Section609 of the ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. The incorrect name and outdated addresses listed in my file do not accurately reflect my current or historical information an need to be removed immediately. Equifax continues violate these laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing the inaccurate and Incomplete information for 5 months now. Ive ask the agencies to prove proof of verification and I keep getting a generic letter stating its been verified
Product: Credit reporting or other personal consumer reports

I am writing to lodge an urgent and forceful complaint against XXXX, XXXX, and TransUnion regarding their persistent failure to remove an inaccurate bankruptcy entry from my credit reports ; Account number XXXX. Despite my numerous efforts to provide ample and irrefutable evidence proving the error, these credit bureaus have unacceptably continued to display this erroneous information.

This process began in XXXX of 2023, yes a full year and they have not resolved it, where I disputed with the court ( attached ). The court states that it doe snot supply information to the Bureaus. I submitted Disputed to XXXX, XXXX, and Transunion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to no avail. When they finally sent information back, they stated that it is verified by a 3rd party called XXXX XXXX. So I submitted a dispute to XXXX XXXX in XXXX. XXXX XXXX said I was correct about the inaccurate bankruptcy and removed it from their files ( attached documentation ). I submitted another Dispute to the bureaus in XXXX with the letters sent by XXXX XXXX and Trans Union said it was verified, which is impossible. XXXX and XXXX did not even respond ( illegals ) Here is a summary of the egregious missteps by the credit bureaus : Failure to Correct Errors : Despite providing all necessary evidence, each bureau has inexplicably failed to correct the inaccuracy. Their responses have been dismissive and inadequate, lacking any substantive action to rectify the mistake.

Negligent Handling of Disputes : The process followed by the credit bureaus in handling my dispute has been grossly inefficient and unprofessional. Their failure to resolve the dispute in a timely manner reflects a troubling disregard for consumer rights.

Impact on Creditworthiness : The erroneous bankruptcy record is significantly damaging my creditworthiness and, consequently, my financial stability. This ongoing issue has led to undue stress and has negatively impacted my ability to secure credit.

I demand immediate action to rectify this situation. Specifically, I require : Prompt Removal : Immediate removal of the inaccurate bankruptcy entry from all three credit reports.

Written Confirmation : Written confirmation from each credit bureau acknowledging the removal and detailing the corrective actions taken.

Investigation and Accountability : A thorough investigation into the handling of my dispute, including a detailed explanation of why my evidence was ignored and what measures will be implemented to prevent such issues in the future.

If these demands are not met within 15 days from the date of this letter, I will be compelled to escalate this matter further, including but not limited to seeking legal redress and filing formal complaints with additional regulatory bodies.

The lack of action and accountability from XXXX, XXXX, and TransUnion is unacceptable and reflects a serious breach of my consumer rights. I trust that the CFPB will act swiftly to ensure that this matter is resolved with the seriousness it warrants.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with JPMCB - AUTO FINANCE for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts.
Product: Credit reporting or other personal consumer reports

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate accounts on my credit reports that I have been disputing for some time now. These accounts are reporting multiple inaccuracies and inconsistencies. These accounts are reporting late payments with XXXX XXXX and a charged off auto loan with XXXX XXXX. I have brought each inconsistent item to the credit bureaus attention and they are refusing to consult a proper investigation into the issue and update my reports. If all bureaus are getting their information from the same place, how is it that they are all reporting different information. I am aware that it is illegal for any consumer reporting agency to report inaccurate information and given that the credit bureaus are in violation of this law, I am requesting that they delete these inaccurate negative accounts from my reports.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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 XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

I contacted XXXX, Equifax, XXXX, XXXX XXXX, XXXX XXXX, and Center of Excellence about fraudulent accounts that does not belong to me, multiple times. And they have yet to remove these fraudulent items from my credit report. I have filed a report with the police agency and FTC. All the accounts that needs to removed are as follows XXXX XXXX  XXXX XX/XX/XXXX {$720.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX {$350.00}.