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

On XX/XX/2022 XXXX XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.
Product: Student loan

I have 13 loans total by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX, XXXX and now Nelnet. 
The first loan was given XX/XX/XXXX. I started making payments while in school in XXXX. I later filed for economic hardship and had my loans deferred and finished school in XXXX. Then All loans were consolidated in XXXX, with no record of prior payments, because they start over, as told to me by XXXX and Nelnet. 
I've been on an income contingent plan for years. Always sent in the application and faxed all required documents. There's never any record of payments or any correspondence between both Department of Education or Nelnet. I moved from Texas in XX/XX/XXXX. I sent a payment, as always and the Department of Education said they sent me to a collection agency and payments could no longer be accepted. 
I received a letter from the Department of Education XXXX XXXX threatening to garnish my wages if payment or payment plan wasn't put into action. Shortly after, I received a letter from XXXX XXXX XXXX XXXX, a collections agency. They added XXXX to my loan for their fees. A payment arrangement was made and I sent payments directly to Department of Education until the pandemic shut everything down. 
Spoke to Nelnet today and they said XXXX might have been a scam because there's no record of payment. When I spoke to XXXX, they don't show it either and referred me to Nelnet. 
My loans have been through too many hands and it's not fair. When loans are this old and payments have been made, I need to know my legal options. Thank you.
Product: Credit reporting or other personal consumer reports

I am asking for your help to address the wrong account being reported on my credit profile. This mistake has damaged my reputation, and I need your assistance. The incorrect information you've added has negatively impacted me, and I request its removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611a it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these inaccurate items be deleted immediately or I will file for litigation due to stress you caused me
Product: Debt collection

I filed a dispute with Experian about a collection agency that claims they are collecting a debt for me on behalf of XXXX. I asked to collection agency to provide documentation with my signature as proof of debt. To this day the collection has not been able to do this but Experian still agrees with the collection agency and says the debt is valid.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C 1681, Section 602 states I have the right to privacy. 15 U.S.C 1681, Section 604a, Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows XXXX acct # XXXX as a KD on my account. Now I enclosed a document showing they sold that account. I have been trying to get Experian to remove this from my account because they sold this account.
Product: Debt collection

My credit report shows several accounts that seem unauthorized and inaccurate; please block and remove them right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Friday, XX/XX/XXXX Phone call XXXX, TransUnion, Supervisor Current File File Number : XXXX Filed Dispute on 2 XXXX XXXX  Accounts Filed XX/XX/2020 Saturday, XX/XX/2020 *By Law 30 days without response from the creditor, I am protected by your organization and it needs to be removed. I spoke to XXXX and she agreed that 30 days was XXXX  on Friday night. I checked my report and no report. 

LAW No response at all. If it's been 30 days after you've sent in your dispute, the credit bureau is in hot water. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. This is good news for you, for you can pressure the credit bureau to remove the listing immediately.
Product: Checking or savings account

On XX/XX/XXXX, at the XXXX branch of TD bank, I asked XXXX XXXX to discontinue an existing auto-pay arrangement I had made a few years to meet my six-monthly insurance dues to XXXX XXXX. XXXX XXXX told me that TD bank would charge me a fee of {$30.00} for doing it. I declined and left. I emailed her the next day, asking her to CONFIRM that she had indeed attempted to charge me a fee of XXXX   dollars for discontinuing my standing instructions. I received two calls from TD bank ( saying " We are reaching out to you '' ), but I told them that 'reaching out ' by email was preferred, for it leaves a trail. TD then emailed me offering to " waive the fee '', but I made it clear that I was NOT seeking any favors from them. They were clearly trying to hustle me for this fee, and I suspect that many other customers would have been similarly fleeced. The fact that they offered to 'waive ' the fee does not absolve them of culpability any more that it absolves a thief who offers to return the stolen loot when caught stealing.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to equifaxsecurity2017.com, my data was affected by the recent major hack of Equifax. Hackers supposedly have personal identification information such as my name, social security number, birth date, addresses, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY : Transunion ACTION ( complainant ) : 3 notarized, written requests sent via certified USPS service to have 3 erroneously reported accounts investigated and accordingly removed or have proper proof provided of their legitimacy in accordance to FCRA guidelines. 
DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ACTION ( respondent ) : 3 investigations conducted resulting in 1 of 3 accounts in question being removed. No validation of remaining account legitimacy provided. 
DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. THOSE ACCOUNTS HAS CAUSED SO MUCH DAMAGE TO MY NAME WHICH HAVE CAUSED DENIAL OF ACQUIRING NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED. KEEP IN MIND THAT I AM NOT LIABLE TO ANY OF THE DISPUTED ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts REASON XXXX  XXXX XXXX  ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$25000.00} XXXX  XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$430.00} XXXX  XXXX ACCOUNT NUMBER XXXX ID THEFT - This Collection Is Not My Account Date XX/XX/XXXX Balance {$1200.00} US DEPT. OF EDUCATION/XXXX  ID THEFT - This Collection Is Not My Account Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$50000.00} XXXX XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$9900.00} XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$1000.00} XXXX/XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XXXX/XXXX/XXXX Balance {$1000.00} XXXX  XXXX  XXXX XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$2200.00} Date XX/XX/XXXX US DEPT OF EDUCATION XXXX  ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$2000.00}, XXXX, {$2000.00} Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I understand that failure to investigate these accounts within a period of XXXXhirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.I also understand that the Fair Credit Reporting Act- specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notifications of the appropriate corrections and updated credit report at no charge. thank you for your time and attention to this matter. I look forward to hearing from you soon Very truly yours, XXXX XXXX
Product: Checking or savings account

On XX/XX/19 we opened our account at Santander bank at the branch located at XXXX XXXX XXXX, XXXX PA XXXX. XXXX XXXX opened the bank. We had a promotion that if we opened the account with {$25.00} and had {$2000.00} Direct Deposits in 90 days we would get {$400.00}. Today XX/XX/19 I called Santander Customer serivice to verify that I met the requirements and I would be getting my {$400.00}. I spoke to 4 customer services representatives and the code was not in the system where is should be. I believe it was deliberate retaliation by XXXX and XXXX because we did open any additional as they accused us just trying to take advantage of the promo. No customer should be subject to this kind of harassment and abuse the account should have been coded correctly. XXXX the customer service manager in XXXX XXXX thinks all is well for customers to spend an hour and half to ensure that things are done correctly. XXXX refused give me her supervisors name and XXXX is refusing to entertain my questions because she thinks it is acceptable that customers need to spend a hour and 22 minutes to get a resolutions and that is how some customers are treated. Please advised the bank did not even give a plastic case for my check registered. She has made no offer to compensate me for the poor customer service and thinks I should be happy that I am getting the promotion. She is also refusing to provide proof that the account was opened correctly or explanation why 4 customer people could not confirm the promo was applied.
Product: Mortgage

Early XXXX - I began searching for a lender early XXXX through XXXX and on my own. 
XXXX XXXX - Contacted by unknown LoanDepot representative on XXXX XX/XX/XXXX XXXX - Contacted by loan officer at LoanDepot on XXXX XXXX for " special rates '' XXXX XXXX - Submitted soft credit application on XXXX XXXX to obtain credit worthiness and rates XXXX XXXX - I provided a home value estimate according to XXXX, $ XXXX, loan officer put $ XXXX XXXX XXXX - Directed to sign welcome documents XXXX XXXX - I was not provided an option for Rate lock and was directed to sign Loan Float as only option. 
XXXX XXXX - Provided requested financial statements XXXX XX/XX/XXXX XXXX - Provided notice that my wife 's name was mispelled on the original title to prevent complications and notify to work issues. 
XXXX XXXX - Received conditional loan approval XXXX XXXX - Received notice to confirm vesting name/statement XXXX XXXX - Notified Processor of name error and provided correct name/statement XXXX XXXX - Received 1st closing disclosure documents with incorrect name ; initial {$25.00} XXXX - Received 2nd closing disclosure documents with incorrect name ; revised {$25.00} XXXX - Notified LoanDepot that the name was still incorrect and that disclosures for my wife were coming to me instead of her. 
XXXX XXXX - Received 3rd closing disclosure documents with correct name, revised {$29.00} XXXX - Notified LoanDepot I would be geographically separated from my wife, so I would need to schedule signing before XX/XX/XXXX XXXX XXXX - Received 4th closing disclosures ; $ again revised XXXX XXXX - Received 5th closing disclosures ; $ again revised XXXX minutes apart ) XXXX XXXX - Notified via voicemail of the option to sign with notary XX/XX/XXXX or XX/XX/XXXX XXXX XXXX - Contacted loan processor to schedule notary on XX/XX/XXXX ; loan processor said I could not schedule for XX/XX/XXXX because closing disclosures were not signed. 
XXXX XXXX - Notary arrived at home for wife to sign ; notary unable to explain details of Closing USA docs, wife signed title docs, notary left XXXX XXXX - Notary arrived at separate location for husband to sign ; documents did not match ; notary unable to answer on behalf of Closing USA ; documents unsigned ; notary left
Product: Credit reporting or other personal consumer reports

Kindly forward all my letters to the assigned Consumer Reporting Agencies and Collection Department because I have multiple disputes concerning the incorrect and inaccurate accounts that they've furnished on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$1000.00} ; XXXX XXXX XXXX XXXX. Balance : {$360.00} ; CXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX : XX/XX/XXXX ; XXXX XXXX : XX/XX/XXXX ; XXXX  # XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

I sent out a notice asking portfolio recovery associates to validate the debt they are trying to say I owe, I specifically asked for them to provide me with my signature where I agreed to pay the creditor, however they in return only sent me a copy of a bill without any validation
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis reports to Rental agency I have a eviction and judgment on my record from XXXX that kept me from getting and apartment. I have sent them documentation twice that I wasn't evicted and the judgement was vacated by the judge as the landlord owed me money. Lexisnexus provided a report they clearly didn't read through and it hurt me finacial and emotionally in the long run. They are know to have inaccurate information and nothing is being done to monitor to make sure they are doing their due diligence. I need this matter cleared to be able to move.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving sales marketing calls from Cross Country regarding refinancing my home. I have explained to them i am not interested. I have receive marketing mail from this company. I have mailed back saying stop, not interested, do not mail. I still keep  receiving phone calls and mail. I received a phone call on XX/XX/2019 and than on XXXX XX/XX/XXXX where my credit report was illegally pulled with out a verbal or written consent. On XX/XX/XXXX the phone call with Cross Country the representative stated if i was interested in refinancing i stated not at this time. Than he went to say well i have a coworker who will just give you information about today 's rate. I hung up the phone. Than i receive an alert that my credit report was pulled from this company. I immediately called back XXXX it kept going to voicemail. Than i called the XXXX XXXX company listed on the credit report for Cross Country. And i asked why was my credit report pulled i did not give any permission to have it pulled. The representative stated i can dispute but they don't have to have permission to use my information to pull my credit report. But i will have to contact them to get a letter of deletion. The representative stated i will have to call the company to request. Than another representative called me from cross country ( XXXX ) stating i have great news to help you refinance. I said i never gave you permission to pull my credit report. He said but don't you want a great rate. I said no i never authorize at any time for you to pull my credit report or have access to my information please send a letter of deletion and put my name on your do not contact list. Than he hung up on me.
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX XXXX that my XXXX credit report received a hard inquiry from CITIBANK NA, BEST BUY. I did not apply for a credit card, and this inquiry was initiated fraudulently. The hard inquiry was blocked because my credit is frozen, but I wanted to report nonetheless. Moreover, I received an email from XXXX XXXX, a company I have never done business with, to continue with an application for lease-to-own. This, again, was done fraudulently, because I never applied for such service.