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

My disputes with XXXX, Equifax, and XXXX are not being taken seriously. I have clearly outlined my personal information, such as my name and address, in my dispute letters, yet there are still numerous incorrect variations of my name and addresses listed that do not belong to me. 

My only name is : XXXX XXXX XXXX My only Employment title is : XXXX XXXX XXXX XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX, Texas XXXX The following items are inaccurate and DO NOT pertain to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( listed twice ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX New XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is XXXX XXXX   XXXX, XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX-XXXX	XX/XX/XXXXPlease remove the following telephone numbers from my credit report : (XXXX) XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(XXXX) XXXX-XXXX(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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

New : Mohela Failed to Re-Process my Income Driven Repayment Plan using the SAVE Criteria 225 % of Poverty Guideline Exclusions. Had to submit 4 applications and they keep marking them as duplicates not honoring their contractual obligations. Issue still not resolved resulting in higher payments. 

Follow Up to CFPB Complaint XXXX " UnResolved '' : Mohela has XXXX to count Qualifying Payments for XXXX XXXX Military Service Issue : Not getting full credit for Prior XXXX XXXX Military Service for XXXX in XXXX with Waiver. I had XXXX XXXX Consolidations before XXXX for account history to credit time before then in accordance with waiver. My XXXX XXXX XXXX XXXX started in XX/XX/XXXX ( uploaded to fedloans XX/XX/XXXX ) Requesting XXXX XXXX XXXX Military Qualifying Payments be Credited to Qualifying to my account from the Dates XX/XX/XXXX thru XX/XX/XXXX ( XXXX Qualifying Months ) & XX/XX/XXXX thru XX/XX/XXXX ( XXXX Qualifying Months ) Supporting Documentation is A. Retroactive ECF Form from my XXXX XXXX XXXX XXXX ( Review A & XXXX together ) XXXX XXXX Honorable Discharge Paperwork ( Review A & XXXX together ) XXXX Snapshot from Student Aid website that shows my loans prior to XXXX that Fedloans could not see to give those 27 months of credit. XXXX Department of Education XXXX Fact Sheet ( Yellow Highlight shows XXXX XXXX will be Honored as Qualifying ) Desired Solution : Please review Supporting Documentation A, B, C to credit XXXX additional qualifying payments for my XXXX XXXX XXXX time. Only XXXX of XXXX can see my Account History on Step C to show I had loans that pre-date XXXX to credit my XXXX XXXX Military Service. Tracking Forgiveness should be no later then XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX Acct XXXX  ( Experian, XXXX  XXXX  ), XXXX Acct XXXX ( Experian, XXXX  XXXX  ), XXXX XXXX XXXX Acct XXXX  ( Experian, XXXX XXXX  ), XXXX XXXX XXXX XXXX Acct XXXX ( experian ).
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX  Account Number : XXXX and list of Inquiries 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

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. 
XXXX XXXX XXXX. Account ending in XXXX, XXXX XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX account beginning with XXXX posted on credit report agencies has violated my rights 15 U.S.C 1601 15 U.S.C 1681IB 15 I.S.C 1692C has all been violated 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, credit repair services, or other personal consumer reports

I am not the owner of XXXX XXXX   COMPANY ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX  COMPANY ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Product: Credit reporting or other personal consumer reports

XXXX Subject : Complaint Against XXXX for Non-Compliance with FCRA Standards Dear Consumer Financial Protection Bureau, This letter is to file a complaint against XXXX for violations of the Fair Credit Reporting Act ( FCRA ) concerning the handling and reporting of my credit information, particularly inaccuracies reported by XXXX XXXX Multiple Erroneous Listings : XXXX has listed the same credit builder loan under multiple names including XXXX XXXX and XXXXXXXX XXXX, causing confusion and inaccuracies in my credit report. 

Disregard for Dispute Resolutions : Despite filing disputes with detailed evidence against the inaccuracies reported by XXXX XXXX, XXXX has not taken adequate measures to investigate or rectify these inaccuracies, contrary to FCRA mandates Adverse Effects on Financial Health : The inaccuracies maintained by XXXX have detrimentally affected my credit score, limiting my access to financial products and opportunities. 

I urge the CFPB to take necessary action to ensure XXXX complies with FCRA obligations by conducting a full investigation into my disputes and rectifying the inaccuracies promptly
Product: Credit card

Starting on May 8-May 11, there was fraud committed with my debit card. There were a total of XXXX transactions that added up to {$6600.00} that I did not authorized. Transactions in XXXX for {$2600.00} and {$4600.00}, appearing to be in the state of Arizona. A {$530.00} charge in a food website appearing to be in New York base. XXXX transactions of money transfer in XXXX XXXX. XXXX transactions of money transfer in XXXX. I contacted these entities of money transfer and money was sent to countries I have no relationship with ( XXXX and XXXX ). I contacted XXXX and they could not find any record of that transaction in their system. I filed a police report and working with my local law department on this case. WELLS FARGO closed my claim and said they found no errors that the transactions were authorized by me. They closed my claim without speaking to me, they do not answer to my call requests. I have been demanding to know how the investigation took place, and I have not been given any answers. I placed a complaint with the executed offices and they dont want to work with my claim nor give me a better resolution. I placed my claim on XX/XX/XXXX and have not been given any answers since and WELLS FARGO has closed my claim and do not want to give me my money back. I should not be liable for unauthorized transactions, this is clearly fraud to me. I do not understand their line of investigation. There were several transactions in XXXX that were declined by Wells Fargo, yet they did not stop the transactions, nor was I alerted on time. I received an alert until XX/XX/XXXX, which was very late, as I had been stolen since XX/XX/XXXX. There were about XXXX transactions declined in XXXX for different amounts of money, and my account wasnt blocked from being stolen. In my XXXX years banking with them, I have never purchased in these websites that I was stolen from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute about an inaccuracies on my report. Chexsystems did not accurately verify information
Product: Credit reporting

EXPERIAN INSIST ON REPORTING TOO MANY HARD INQUIRIES. 
EXPERIAN CONTINUE TO REPORT THE LOWEST CREDIT SCORES OF THE THREE MAJOR CREDIT BUREAUS. WHY IS THERE SUCH A DESPARITY IN SCORES, WHEN ALL ACCOUNTS HAVE BEEN LISTED AS " ACCOUNTS IN GOOD STANDING '' BY ALL THREE MAJOR CREDIT BUREAUS, INCLUDING EXPERIAN. LASTEST EXPERIAN REPORTED RESULTED IN A BANK DENYING AN AUTO REFINANCE BASED ON DATA RECEIVED FRM EXPERIAN. WHY IS EXPERIAN DATA BEING TREATED AS GOSPEL.
Product: Credit reporting or other personal consumer reports

file a dispute with transunion about an account and was told that the company did not respond but they updated my account as verified. I want this account removed from my transunion and XXXX  credit reports.report # from transunion XXXX company that did not verify account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been trying for years to have this incorrect information removed. It is hurting me in my personal life from getting an auto loan because of this wrong infomation
Product: Money transfer, virtual currency, or money service

It won't let me transfer any money at all!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 late payments being reported by DEPT OF EDUCATIONXXXX ( 1 late payment for 6 different loans ). That information is false. My student loans should have been deferred due to a natural disaster in Louisiana that I was affected by. I had spoken with a representative with XXXX & they advised since I was displaced from my home, payments would be deferred for 12 months. 

I have a late payment reporting for DEPT OF EDUCATION/XXXX, Acct XXXX, Balance on XX/XX/2022 is {$2900.00}, Original loan amount is {$2000.00} DEPT OF EDUCATIONXXXX XXXX Acct XXXX, Balance on XX/XX/2022 is {$4100.00}, Original loan amount {$3800.00} DEPT OF EDUCATION/XXXX, Acct XXXX XXXX Balance on XX/XX/2022 is {$3200.00}, Original loan amount is {$2600.00} DEPT OF EDUCATION/XXXX, Acct XXXX , Balance on XX/XX/2022 is {$7900.00}, Original loan amount is {$6500.00} DEPT OF EDUCATIONXXXX, Acct XXXX, Balance on XX/XX/2022 is {$8700.00}, Original loan amount is {$7500.00} DEPT OF EDUCATION/XXXX, Acct XXXX, Balance on XX/XX/2022 {$3600.00}, Original loan amount is {$3500.00} In accordance with the Fair Credit Reporting act these accounts have 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a victim of identity theft and would like to request assistance with resolving this issue. I have recently applied for a credit card at a credit union. The bank declined my application and stated there is fraudulent activity processed under my name. On a few occasions my social security card and ID have been lost and I am certain that may have caused my identity to be stolen. Shortly after, I was incarcerated and did not have the chance to report the stolen identification cards. I have provided all my information below for your review and awaiting guidance to help fix my identity/credit background. 




Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, Texas XXXX Phone number : ( XXXX ) XXXX DOB : XX/XX/XXXX Texas Identification # : XXXX Social Security # : XXXX XXXX XXXX XXXX XXXX account # : XXXX Consumer report for XXXX Reference # : XXXX Thank you, XXXX XXXX
Product: Student loan

On XX/XX/2017, I submitted a regular monthly payment ( actually it was {$0.00} above the monthly amount ). On XX/XX/2017, I made a secondary payment of {$50.00} and requested this to be allocated to the principal only ( it was written on the check ). I checked on XX/XX/2017 to confirm the allocation to principal. This second payment was not allocated to the principal, it was allocated to interest. I called to have Navient correct the payment. I was told over the phone that any additional payments would go towards interest only. I rebutted the issue. I saved up extra money this month to make this principal payment. I requested the call be escalated. After waiting over 30 minutes, the call was terminated by Navient. I have not been contacted as of yet. The second payment still shows as being allocated to interest.
Product: Credit reporting or other personal consumer reports

The Company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account to me. I did not received a 1099C for my record. 

XXXX Open account with account # XXXX balance of {$3100.00}. 

XXXX Open account with account # XXXX balance of {$5000.00} XXXXXXXX XXXX Revolving account with account # XXXXand a balance of {$10000.00}. 

XXXX XXXX XXXX XXXXXXXX Credit Card with accounXXXX XXXX XXXXXXXX balance of {$4400.00} Please delete all accounts from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I finally received a copy of my XXXX report number # XXXX, dated XX/XX/XXXX. 

I immediately noticed an error that was disputed and removed ( 2 ) years ago, specifically XXXX has added under reported names : XXXX XXXX XXXX which is not my name nor have I ever used this name. 

XXXX XXXX then would not allow me to dispute this and other inaccurate information contained in my credit report. XXXX said I had to provide proper identification. 

To obtain said report I sent XXXX a copy of my social secuirty card, U.S. Passport and XXXX XXXX bill via certified mail which verified my name and address. 

XXXX refused to send my credit report until I provided this information and after I filed mutiple reports with CFPB to attempt to obtain said reports. 

In addition, I filed several complaints with the CFPB against XXXX and XXXX XXXX who reported this name in error in XXXX, XXXX, XXXX. XXXX 's sent XXXX several letter requesting removal of the name XXXX XXXX XXXX from my file. 

This information was removed and apparently re-inserted without the consumer knowledge in voliation of FCRA. 

Therefore, I am again filing formal charges against both XXXX XXXX and XXXX XXXX for voliation of the FCRA. XXXX 's intentionally created this problem with the credit bureaus in retailation for several complaints I filed with the CFPB against XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXXBalance {$8100.00} XXXX XXXXBalance {$49.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX-Balance {$420.00}
Product: Money transfer, virtual currency, or money service

I was told on several occasions that I would receive my profits after I paid this fee and that fee. But I never saw any profit. There was always another fee! See the attached letter for more details.
Product: Money transfer, virtual currency, or money service

I dispute {$850.00} paid XXXX XXXX, XXXX  XXXX XXXX XXXX on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX the company preyed on me with low credit score by luring me in with promises to permanently delete all negative accounts from my credit report ( s ), and then insist charge unlawful advance fees for credit repair services and don't do anything in return is using personal information and lies to steal my money and credit card.
Product: Mortgage

Freedom mortgage company 's insurance department made an error at the end of XXXX but writing a check to the wrong homeowners insurance company. That check was then cancelled but the money wasn't refunded to the escrow account for over 5 months. This caused my monthly payment to increase do to there now being a shortage in my escrow. For 5 months, they denied that there was an error and that my account was short. Once they located the money in the amount of {$2200.00} it took long after the close of the mortgage for the money to be placed back in our escrow. The mortgage closed out on XX/XX/2019. I've called the company only to be told that a ticket will be issued for a request for the funds to be funded many times. The money should not have been missing in the first place, nor should I have been charged a fee at closing for having an escrow shortage. I've asked that they expedite the refund back in XXXX. Was told 7-10 days for a check to be written. Still on XX/XX/2019, there isn't a check issued. Another request was issued today. I have lost faith in freedom mortgage company 's ability to refund this money.
Product: Credit card

I attempted to pay off balance of {$350.00} but the company will not accept unless I pay another year 's fees. I sent money order XXXX for {$350.00} but they returned it. This is a good faith effort to pay a debt and they are refusing the payment so they can make more money off junk fees.
Product: Mortgage

had a home equity loan with Roundpoint Mortgage servicing corp. got in financial bind tried for over one year to work out something with this co. but was told this loan was due and had to pay all of it {$47000.00}. WE WERE CURRENT WITH our first mortgage so Roundpoint foreclosed.we would have loved to stay in our home of 16 years as my wife and I are on XXXX. I just think this co.was unfair to us @ this time our country was coming out of a recession.It has been 7 months since roundpoint foreclosed but has not recorded deed to the property. thanks
Product: Debt collection

I have repeatedly filed complaint about XXXX  XXXX  they refuse to delete off of my reports TransUnion and XXXX
Product: Credit card

i decided to go to XXXX XXXX shop in XXXX XXXX  for an issue i had with my car overheating. they held my car there for 2 weeks, and when i got my car back i had to pay XXXX dollars out of pocket and my dad paid XXXX with a total of XXXX in payment. leaving the lot i realized my car not only was overheating still, but my engine light turned on along with the AC not working. i tried calling back they answered and when they said theyd call me back they never did. they arent trying to give me a refund and when i called discover to dispute this, they proceeded to tell me time and time again they couldnt help me because service was provided but it wasnt. because my car isnt fixed and they wont give me a refund.