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

On XX/XX/year>, I submitted a goodwill request to Experian, XXXX, and XXXX, seeking the removal of several late payment entries on my credit report as a gesture of goodwill and for verification of accuracy under the Fair Credit Reporting Act ( FCRA ). My request was based on my right to fair and accurate reporting, as mandated by FCRA and related U.S. Code provisions, including : 15 U.S.C. 602 : Declares the purpose of FCRA to ensure accuracy, fairness, and privacy of information in consumer reporting.

15 U.S.C. 1681 ( Section 604 ) : Grants consumers the right to request information used in credit reports and mandates credit reporting agencies to ensure accuracy and fair reporting.

15 U.S.C. 1666B : Establishes rules on how credit information must be reported, allowing consumers to dispute inaccuracies and requiring the removal of unverifiable information. 
Despite sending certified letters, I have not received confirmation of receipt or a response from Experian and XXXX. Additionally, XXXX has continued to request duplicate documents that I have already provided, which feels like an intentional delay and obstruction of my right to timely dispute resolution under 15 U.S.C. 1681i. This section requires credit bureaus to investigate disputes within 30 to 45 days and inform the consumer of the results.

In my original request, I specifically asked each bureau to provide documentation proving the accuracy of each reported late payment, including : Payment records from the creditor showing the due date and receipt date for each payment.

Account statements and billing history for the dates in question.

Communication records regarding any notifications of missed or late payments. 
Date-specific verification for each late payment reported. 
I am requesting CFPB assistance to ensure that Experian, XXXX, and XXXX fulfill their legal obligation to provide this verification or, if they can not, to remove these items from my credit report. These unverified entries are negatively impacting my credit standing, despite my commitment to improving my financial history. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Homeless [ XXXX ] Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Negative Accounts under the XXXX XXXXXXXX Repair Act Dear Experian, I am writing to formally request the removal of negative accounts from my credit report in accordance with the XXXX XXXX Repair Act. These accounts were reported incorrectly as they are the result of XXXX XXXXXXXX or other unlawful acts. I have enclosed the necessary paperwork that verifies this claim, including [ mention any specific documents, such as police reports, court orders, or government-issued documentation supporting your claim ]. 
I ask that you review the attached documentation and take the necessary steps to remove the inaccurate information from my credit report immediately. I am currently homeless right now and have provided my passport for required identification. I understand that under the XXXX XXXX Repair Act, you are required to remove or block any information associated with unlawful activity from my credit report. 
The following accounts should be removed : * [ XXXX XXXX XXXX XXXX XXXX [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] Experian [ XXXX XXXX ] [ XXXX ] Experian [ XXXX XXXX ] - [ XXXX ] Experian [ XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXX XXXX XXXX ] - [ XXXX ] experian [ XXXX ] - [ XXXX ] Experian [ XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXX XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXXXXXX XXXX XXXX XXXX XXXX [ XXXX ] [ XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX Experian XXXX  XXXX XXXX XXXX XXXX XXXX [ XXXX ] Experian Inquiries to be removed XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX  ( XXXX XXXX Experian XXXX XXXX ( XXXX ) Please confirm in writing once the negative information has been removed from my report. Additionally, if you require any further documentation or have questions regarding this matter, do not hesitate to contact me. 
I appreciate your prompt attention to this important issue and look forward to your swift response. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On Sunday morning of XX/XX/2023 before XXXX XXXX., XXXX XXXX 's debit card ending in XXXX was stolen from the vicinity of XXXX XXXX XXXX XXXX and replaced with the debit card of a XXXX XXXX. After XXXX XXXX 's debit card was stolen, it was taken to the XXXX ATM machine at XXXX XXXX XXXX XXXX and XXXX separate transactions of {$200.00} were stolen from XXXX XXXX 's checking account. Additionally, an unauthorized ATM transaction of {$4800.00} was transferred from Savings to Checking by the individual that stole the debit card. Subsequently, XXXX additional transactions were made at XXXX XXXX XXXX of {$100.00} ( including {$100.00} cash back ), {$42.00} ( including {$40.00} cash back ), {$41.00} ( including {$40.00} cash back ), and {$3.00}. XXXX XXXX took an XXXX home from XXXX XXXX XXXX XXXX at XXXX XXXX. to XXXX XXXX XXXX XXXX at XXXX XXXX. At XXXX XXXX. on the afternoon of XX/XX/2023, after awaking, charging his dead phone, and seeing a fraud alert issued by XXXX for XXXX of the {$200.00} ATM transactions, XXXX XXXX XXXX via text to cancel the debit card and called XXXX to submit a claim for fraudulent debit card use for the XXXX aforementioned transactions. On Tuesday, XX/XX/2023 at XXXX XXXX., XXXX XXXX received a XXXX message from a XXXX XXXX asking if XXXX XXXX 's card was stolen over the weekend and confirmed that a couple came up to XXXX XXXX and helped him get an XXXX, but also presumably stole his card and replaced it with XXXX XXXX 's card. XXXX XXXX confirmed he was approached by the couple on the XXXX XXXX XXXX  XXXX XXXX after leaving XXXX XXXX and has preserved my debit card. Chase Bank proceeded to temporarily fund the XXXX XXXX claim for {$180.00} pending investigation, but ultimately denied the claim due to the compromised PIN allegedly used with no incorrect attempts. Chase Bank also promptly declined the XXXX separate withdrawals for {$200.00} each, totaling {$1000.00} due to the compromised PIN allegedly used with no incorrect attempts ( despite a fraud alert being triggered from XXXX of the attempts ). After the claims were denied, XXXX XXXX closed the Savings account on XX/XX/2023 and the Checking account on XX/XX/2023. XXXX XXXX further received a letter from Chase Bank dated XX/XX/2023 requesting payment of the {$180.00} that had been credited to the Checking account after being stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several items deleted from my credit report back on XX/XX/20 on credit report number XXXX. XXXX PLEASE SEE ATTACHED ) Looking at my current report online recently, Experian reinserted 2 of those items back on, that were deleted already. By law, You are required to notify me within five days of re-inserting a previously deleted item. I did not receive any such notification. Per FCRA, your are in violation of the law and are subject to fines if I pursue this in the court of law. Please delete these items immediately as I am in the process of getting a mortgage. The 2 items that were deleted and showing again are XXXX XXXX XXXX for {$720.00} and XXXX XXXX XXXX for {$420.00}. I also want to dispute a fraudulent item XXXX XXXX XXXX for {$120.00}
Product: Debt collection

The collections company refuses to honor a letter direct from the company clarifying that there was never a debt on my account associated with my social security number. I had a perfect payment history. 
I've never had any debts go to collections and I am adamant about strong credit history. This error is false and incorrect.
Product: Credit reporting or other personal consumer reports

There is a fraudulent account that was opened in my name on XXXX. I found the account on my credit bureau report and disputed the account with the fraud department. I talked to several managers that told me that this fraud account would be closed and taken out of my name for being fraudulent last year in XX/XX/2023. After I disputed this fraud account with the credit bureaus, I received confirmation from the credit bureaus on XXXX that this account is valid which is incorrect. The account is still reporting to the credit bureaus that it is opened and valid which is unacceptable. Every time I try to call the fraud department they tell me they cant give me any information about the account, because they cant validate me. This bank is violating my rights as a consumer with the fcra and this account need to be taken out of my name. This bank recently updated the account to my XXXX credit file and updated it with a fraud address that is the address on this fraud account. This bank know that I reside in XXXX tn and have my XXXX address on file with the initial fraud dispute. I have never lived in XXXX ga and they are deliberately also updating the wrong address on my credit file that it attached to this fraud acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Accounts started appearing on my credit that did not belong to me. I have been trying to remove the debts, but the agencies are not trying to assist.
Product: Debt collection

I have submitted several online disputes and have wrote several letters requesting information on the following account " CAINE & WEINER '' for XXXXXXXX XXXX '' that is reported on my XXXX and XXXX report. I have sent several debt verification letters asking them to prove this is my debt. This debt isn't mine! This is fraud! It will not let me open any more disputes online via the XXXX and XXXX website and that is against the law. Its been 30 days since I have sent them the debt verification letter and I'm requesting them to REMOVE CAINE AND WEINER from my XXXX and XXXX report ASAP per the LAW!
Product: Consumer Loan

XXXX Home Loans Manager Vice President NMLS ID : XXXX XXXX XXXX, WA XXXX Direct XXXX Fax XXXX XXXX Dear XXXX : RE : loan no : XXXX At the end of year XX/XX/XXXX, I misled to refinance when I inquired home equity of my condo and paid appraisal fee and XXXX did not disclose a hidden fee of condo questionnaire fee at XXXX branch and I kept getting statements from BOA about closing fee about {$4000.00} more than {$1100.00} XXXX promised on day one and I was really disappointed to cancel the loan. I complained to you on the phone and you understood that and told me you did not have power to make a decision. Would you please direct me to the decision maker? After that, when ever I followed up by email or phone, you never responded. I am disappointed because I should not be responsible for appraisal fee at all when I clearly requested home equity without any cost and the hidden fee of condo questionnaire, {$330.00} was not disclosed clearly. It is obviously against TILA and CPA. 
To resolve the problem, I would appreciate your effort. 
I look forward to your reply and a resolution to my problem and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX or from XXXX, XXXX consumer reporter or filing a claim to XXXX county bar association 's consumer division. Please contact me at the above address or by phone at XXXX. 
Sincerely, XXXX
Product: Debt collection

XX/XX/year> I called Debt recovery Solutions LLC 4 times the first time I was offered a payment arrangement and a letter for this arrangement. He never sent it so I called back and was told they dont do written payment arrangements only verbal and to just pay and keep receipts. I was told to stop calling them because they are not giving me the agreement they made with me in writing so I can show my bank.
Product: Credit card

Spoke to XXXX in Customer Service regarding account ending in XXXX, who verified the solution with a supervisor ( put me on hold ) : they charged me a {$35.00} fee for a ACH payment return which was drawn on funds in THEIR bank. Auto payment is scheduled for the XXXX. She told me to call back in a week to verify the deletion of the fee as the payment went through the same day it was recorded as returned. 

I called back XXXX and was told by XXXX XXXX who asked my PIN #? ) that it couldn't be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent a request to all three credit bureaus to remove the tax liens currently on my credit report because they do not meet the criteria to be posted on my credit reports since the reporting agencies updated their policies regarding The minimum information needed for a tax lien to be included on a credit report on XXXX XXXX 2017. XXXX and Equifax both came back that the information on the tax liens was " updated '' and still remained on my credit report while XXXX found that there was not sufficient enough information for the Liens to remain on my credit and it was removed. If XXXX found that there was not enough information from The courts where the Liens were filed, then there is no reason why XXXX and Equifax seem to think there is enough information given the information comes directly from the same court No matter which agency was To look at the information. Instead the third party who reported the Lien to Equifax and XXXX just updated the information I provided to prove their was n't enough information in their own system and sent it back saying the data was " updated '' this is illegal and the information needs to be checked against the court record from the court system only.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion OF THESE ACCOUNTS listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX CARD SERVICES Inquiry : XX/XX/2023 the bank I called said I filled out a application. And would not tell me the specifics of what the application. I said I never did. And they said they could help me, even though it will be on my credit reports for 2 years. A hard Inquiry caused my entire credit scores and good feedback on my credit do not reflect a big loan paid off didn't reflect what should be on the my credit rating and so forth. 
+ Bank ( XXXX ) XXXX
Product: Student loan

I have argued numerous times that XXXX/Sallie Mae Tuition Answer loan was discharged as part of my 2017 chapter XXXX bankruptcy ( see attached ). They have collected monthly payments since then as part of the charge off, they have been reporting my account as late each month since then to the various credit agencies even though Ive been paying their agreed upon monthly payments. As per a number of recent cases, it has been determined that in fact the Tuition Answer loans were dischargeable. 

The rulings state ( excerpt summary ) : The sole question is whether the student loans constitute an obligation to repay funds received as an educational benefit, since Navient didnt argue that the student loan fell in either the first or third categories. 

The court embarked on an analysis of stautory interpretation of the U.S. Bankruptcy Code to determine the underlying meaning of the operative words in the text. 

The term educational benefit is undefined and potentially vague. The court concluded that the terms should be interpreted in light of its listed companions, suggesting educational benefits means conditional grant payments similar to scholarships and stipends. Since scholarships and stipends generally dont have to be repaid, the plaintiff in this case isnt required to pay these private student loans. 

FURTHER, the below was mentioned : Sallie Mae XXXX XXXX loans are considered non-qualified student loans, which means they are eligible to be XXXX through a bankruptcy. These loans are above the cost of attendance to help students have money to live on while they go to school. 

If you have a Tuition Answer student loan discharged in bankruptcy, but Sallie Mae or its representatives attempt to collect on these same loans after the bankruptcy, those collection attempts could be in violation of federal bankruptcy laws. 

The Fair Debt Collection Practices Act ( FDCPA ) prevents lenders and debt collectors from trying to collect on debts that have been discharged in a bankruptcy.

If you have had a Tuition Answer Student Loan discharged in a bankruptcy, but the debtor or its representatives continue to try to collect that money from you, you could be deserving of compensation for violations of the FDCPA. 

When you file bankruptcy, you are protected by law from the borrowers of the loans that have been discharged. They can not make future attempts to collect on debts that have been discharged. Lenders and debt collectors can be held liable for willful violations of the bankruptcy discharge order if they continue to harass you to collect payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported my account more than XXXX  days late even though Ive paid this account on time using autodraft since Ive opened the account. Ive made payments over XXXX the minimum payment amount each month for the last XXXX months. 

I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, which none of them were reported. Thus making my credit drop XXXX points. I use their autodraft feature.
Product: Student loan

First, the original XXXX XXXX I attended was in XXXX XXXX ca, which was no where on the drop down list. it can be found here : XXXX XXXX XXXX I have had issues with predatory lending, specifically with Sallie Mae/Navient . When I went to the school in XXXX, I was given a loan. when I went to consolidate my loan, I was not told that part of my loan would be transformed into a private student loan. I filed bankruptcy in XXXX, listing this private loan and showed proof of unable to repay without it affecting my ability to live. at that time, I thought it was taken care of. 

Fast forward to today, I have had numerous issues with Navient and this is not the first time I have had to file a CFPB complaint against them. They refuse to offer any forgiveness. They refuse to lower the interest rate and it has grown from XXXX to XXXX. Again I had done all the steps the first time in bankruptcy to show I couldn't pay the debt. Well I filed Bankruptcy again, being careful to ensure that they were petitioned, and took all the necessary steps to include my student loans. They did not show up to the hearing and were well informed. The judge approved dismissal of all loans including student loans, and I was able to prove that It would be a financial hardship to pay this back. They have practiced predatory lending practices and the school I went to is no longer open. 

Navient refuses to discharge the debt or provide any financial relief. 
The original amount of both loans that were turned into private loans without my knowledge or consent was as follows : Loan 1 : current balance {$23000.00} Loan 2 : current balance {$8000.00} I am unsure of what else to do. I am happy to submit any information needed.
Product: Student loan

My Name is XXXX XXXX, I making a complaint today regarding my student loan servicer-Nelnet. My loans were transferred to them from Greatlakes, Nelnet is trying to prevent me from getting the student loan debt forgiveness. They told me they didn't have my Greatlakes payment history which the do they blocked it from the website so I could nolonger access it... they are also telling me it will to XXXX months to be switched to the save plan. I'm an XXXX student with XXXX kids, my loans have been in repayment since XXXX I was able to see how many accountable payments there were at one point on Nelnets website, now I can only see the remaining payments. I have reached to them numerous times and Have gotten nowhere, my original principal balance was XXXX with all the interest my bal is XXXX. I was young when I signed up at XXXX XXXX XXXX XXXX XXXX XXXX, had family issues wasn't able to attend as much I asked if I could withdraw they told me I could but didn't mention that I would have a Balance. I need help. I'm now XXXX XXXX kids, XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX and a XXXX XXXX XXXX. Single mom just trying to take care of my kids the best way I can. my phone number is XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>