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

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists Company Name : XXXX XXXX XXXX XXXX XXXX Amount : {$100.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX | Company Name : XXXX XXXX Solution Amount : {$1000.00} Address : XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX, XXXX  XXXX
Product: Student loan

Hello, I recently transferred all of my loans to fed loan servicing ( as to prepare to qualify for PSLF ) and have run into several problems with this agency. On  XXXX   XXXX  I received notification that my re-certification for income driven repayment was due. I submitted all necessary paperwork  XXXX   XXXX  however my re-certification was denied. When I spoke on the phone with fed loan servicing they stated that I applied too early, however per the letter I received in the mail re-certification is due by  XXXX   XXXX  and so submitting  XXXX   XXXX  does not qualify as being " too early. '' The customer service representative did not understand what was going on and submitted my case to be " reviewed '' however I am very worried, given the number of errors that have already occurred with this agency, that this will not be done in a timely manner. I fear that I will miss the deadline ( even though I have already submitted all necessary paperwork ) and will thus forfeit my ability to continue to use IDR. Please note that I do have  XXXX  re-certification dates,  XXXX  in  XXXX   ( f or which I received the recert letter mentioned above  )  and  XXXX  in  XXXX .     Thank you very much for your time in this matter.     Sincerely,  XXXX   XXXX  Attachments :  ( 1 ) L etters from  XXXX  dated  XXXX   XXXX ,    2017  requesting me to submit  IDR  annual re-certification ; (  2 )  my IDR re-certification paperwork ( with my tax return ) submitted on  XXXX   XXXX  ; and  ( 3 ) email f rom MyFedLoan on  XXXX   XXXX  indicating that my IDR annual re-certification was denied. All attachments are assembled into a single PDF file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not resolved my disputes and it has been over 30 days. 
TranUnion is showing resolved with no supporting information and they have not contacted me via Mail. 
XXXX  is a duplicate of the above issues. 

Al 3 companies have names that I have never used and addresses that I have never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered a few inquiries that are not mine on my credit history today XX/XX/20 when I was reviewing my credit report with my loan officer. I didn't know that these inquiries were on my report because I did not authorize any of them and I did not apply for any account with those companies. I am not affiliated with any of those companies in any way nor did I gain anything from those inquiries that were made in my name. I have already contacted the companies as well as filed a police report.
Product: Credit card or prepaid card

If you look at my credit file from this creditor the balance was paid on XX/XX/2022. XXXX continued to charge interest on a {$0.00} balance. I made the final payments, account was showing as closed. when I disputed, they randomly re-reported the account as opened in XXXX and charged fees from {$0.00} up to {$270.00} dollars, reported it as 6 months past due, and the charged off this account. This has greatly and negatively affected my credit report on a huge error. 
XX/XX/2022 - {$750.00} balance paid in full XX/XX/2022 - {$2.00} balance, paid because I guess outstanding interest. 
XX/XX/2022 - {$4.00} balance, this should not exist, why after 2 months after payoff I being charged at all? 
XX/XX/2022 - {$11.00} balance, this should not exist, why after 3 months after payoff I being charged at all? 
XX/XX/2022 - {$24.00} balance, account now shows as closed no credit reporting for 6 months after this. 
XX/XX/2022 - {$270.00} balance, {$270.00} of which is fees is now shown and shown as 6 months past due. This is entirely predatory to charge {$270.00} on a {$2.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

State Farm Bank has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on the same day. I did authorize only one inquiry for a car purchase at a dealer and only one not two. The second inquiry was an  unauthorized hard inquiry to my credit. The date of the inquiries is XX/XX/2017. I called State Farm Bank and got nothing more than a run-a-round by their customer service representatives on multiple calls to them on this subject by myself to them. This action by State Farm Bank is an unlawful unauthorized hard inquiring to my credit and I demand these hard inquires be removed immediately. That is the reason I am making this  complaint.
Product: Credit reporting or other personal consumer reports

Dispute XXXX, XXXX, and XXXX on XXXX/XXXX XXXX XXXX XXXX  Per FCRA 15 U.s.c & 1681
Product: Credit reporting or other personal consumer reports

I have false information on which XXXX, Equifax, and XXXX are reporting on my credit reports. I have NON MAILABLE ADDRESSES on my reports, False Names, Invalid Phone numbers, etc. I was XXXX since XX/XX/XXXX to XX/XX/XXXX in which I will provide documentation. I will also provide documentation of my name and proof of address that is MAILABLE. XXXX, Equifax, and XXXX Are in violation of the Privacy Act of 1974, 16 CFR 313.1, 15 USC 1681, 15 USC 6802. I shouldnt have anything on any of my credit reports due to the fact that I was Incarcerated. This needs immediate attention as I cant access XXXX for the XXXX XXXX and XXXX XXXX documents I need due to inaccurate reporting by XXXX. I cant create Disputes with XXXX and Equifax due to the fact that the information requested is unverifiable. I am not able to access anything due to verification processes that are clearly inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX Inquiries XXXX XXXX XXXX  XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I received an alert that my XXXX XXXX/XXXX XXXX  credit card was reported as delinquent. This brought my credit score way down. The account is not delinquent. I tried submitting a dispute on XXXX but unable to do so. This account should not be reporting as delinquent Ive also had many issues resolving a problem with this bank in the past.
Product: Vehicle loan or lease

We were sold a fully self driving XXXX to make my wifes long commute to work easier. When we inquired about challenges with the fully self driving feature that appeared during the XXXX XXXX ( it literally almost crashed multiple times ), the store salesperson told us it would be fixed with a software update. It has not been fixed. My wife now drives to work manually because she is not comfortable with the feature that enticed us to buy the car. So basically we paid an XXXX deposit, financed XXXX and went through an awful, dishonest sales process for nothing. I have filed multiple complaints with groups including XXXX ethics department, a third party ethics firm Confluent ( or something ) who apparently helps XXXX with stuff like this and with multiple government agencies and have gotten no response. However, a lawyer from XXXX did look at my XXXX profile if that counts for anything. It would be great if someone from XXXX would reach out to me to at least talk about my experience. This is the definition of criminal. Their CEO, XXXX, seems to be much more preoccupied with tweeting ( XXXX? ) made up nonsense about the presidential election than with properly running a company that makes machines that can kill people.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$32000.00}
Product: Money transfer, virtual currency, or money service

Emailed them today that someone fraudulently took money from the account. I didnt know it was fraudulent until today. It was done XX/XX/XXXX.
Product: Vehicle loan or lease

On XX/XX/year>, I went to XXXX XXXX and got approved for a car loan through lendbuzz. I signed my contract and provided every piece of information that I possibly could for this company, only for them to send me an email stating that my loan couldnt be approved for misinformation. This has to be a joke. I signed off on the contract on XX/XX/year>. Now here we are on XX/XX/year> my loan is all of a sudden not approved, when I paid my down payment and drove off the lot with the car. I was told that my deductible was too high and I made the necessary changes and this company is still making excuses. I have documentation of EVERYTHING!!!
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 XXXX 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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$600.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an 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: Mortgage

A notery came to my home and lied straight through the hold thing. She assured me I could stay in home until time of my death. I was only XXXX then. We never did have couceling or I would never have signed off on the loan. And even Hud just passed the law that would allow me to stay in my home, XXXX XXXX XXXX HAS IT UP FOR AUCTION ON XXXX at XXXX .I called when I turned XXXX and XXXX XXXX XXXX XXXX me it would cost me XXXX to get on loan that if I waited until I was XXXX it would be cheaper, That was a lie. He wants me to come up with XXXX.I lost my husband on XX/XX/XXXX. I am now XXXX and no money, no home. So my advise to the old folks out there. beware. Do not listen to the lies they are telling people.We took the mortage in XX/XX/XXXX and he never did record it until Legale Aid who I thought was on my side but not so called him and and told him to go register the loan at the court house. which he did after all these years. 
XXXX XXXX, XXXX. XXXX
Product: Credit reporting or other personal consumer reports

It is shocking to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 9 accounts on my credit report that DO NOT BELONG TO ME!!!! I have never seen these accounts applied or used them I need them off my credit report ASAP!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX/XXXX  XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan # XXXX with XXXX XXXX was in a modification status as of XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX stating that the mortgage was in default and in order to bring the loan current I would be required to pay {$6800.00} by XX/XX/XXXX. On XX/XX/XXXX I made a payment through XXXX XXXX XXXX for {$4500.00}. On XX/XX/XXXX I made a payment through XXXX for the remaining balance. I have attached the 2 payment receipts below. On XX/XX/XXXX the loan was transferred to another lender. On my credit reports with Experian and XXXX they are reporting the account as 90 days late for XXXX, XXXX, and XXXX XXXX. 

I disputed it with XXXX on XX/XX/XXXX and they denied my request. I am now asking the CFPB to investigate and update the account with the accurate information asap. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency make take 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 XXXX years 15 U.S.C 1681 S-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 applied to work for XXXX. They ran a background check using a company by the name of CHECKR. This company reported information that is more than XXXX XXXX XXXX. against FCRA rules. This company is in violation of my rights. I demand that this be corrected.
Product: Credit card

I opened a XXXX Rewards visa card, issued by XXXX XXXX XXXX XXXX. As per their website ( https : //www.caesars.com/myrewards/partners/cr-visa ) : " Spend {$0.00} in the first XXXX  days on qualifying purchases made with your XXXX Rewards XXXX XXXX Credit Card XXXX XXXX returns, to upgrade to Platinum status. '' What they fail to mention is that it takes XXXX billing cycles to get the platinum upgrade. It's the same situation with other bonus tier points.
Product: Credit card or prepaid card

In XXXX of 2023 I received a text message from Fortiva Credit Card company that stated your payment is past due pls click on link and make your payment, or call us at.. I didnt recognize the name Fortiva XXXX company so called the number they provided. I spoke to a representative and explained that I dont have a Fortiva account. During our conversation we noticed that on my online application the address on the application was different then the address she had on file and different then the address the Credit card had been sent to. Application address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Pa XXXX. Address CC was sent to XXXX on file was XXXX XXXX XXXX, XXXX, SC XXXX. That address DOES NOT EXIST. After ending conversation I never received an email phone call nothing. XX/XX/2023 received another text from Fortiva and called and explained again the same thing as I did in XX/XX/2023 and the address they had on file once again was different now it says XXXX Sc. Never lived there they said they sent me papers and they where sent back. Yea dont live there. This time conversation ended with fraud department to file dispute. Next day received email to call fraud department. Called them the guy said that on my depute papers I didnt put what charges I was disputing. I replied all of them I never received the card. Thats what I wrote on the papers. He replied I need dates, amount, and store names. I said idk bc I never got the card never received a bill never knew a card was sent. To be honest I said ok I guess I applied XXXX XXXX % chance I did XXXX just dont recall but I know I never got the card. He told me that card was activated from my number. Ok idk how bc the card was sent to SC I lived in Pa. It might have been activated from my number but was it from my phone. Bc someone with draws money from atm from my checking account using my pin doesnt mean they had my card. Its now on my Credit report effect my score. Was reported to credit report XX/XX/2023 same day i filed dispute for XXXX time. I told the rep I want to see them in court to resolve this bc they cost me a bad mark XXXX my score dropped. XXXX they will not resolve this.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and Experian has violated my rights under the Fair Credit Reporting Act ( FCRA ) by reinserting a XXXX XXXX account ( XXXX ) into my consumer report without proper notification, as required by FCRA section 611 ( a ) ( 5 ) ( B ). This reinsertion occurred despite my prior disputes and without the mandated notification within five business days, directly impacting my credit score and financial standing. This account was reported without my authorization and falls under the FCRAs exclusion provision for identity theft, also violating the permissible purpose clause. This exposes your agency to civil liability of {$1000.00} for willful non-compliance. I demand that Experian immediately delete this account from my consumer report in accordance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX