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

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Original creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX  Original creditor : XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXXXXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX -Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 




FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Checking or savings account

Chime closed my account without any explanation and is holding my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a entry from XXXX on my credit report from Experian. Notation says that the account was open in XXXX, but there is no payment history on the report for a 4-year period, from XXXX to XXXX. 

I have written Experian about this several times, and also called in to have an investigation done., to no avail. 

I am requesting that XXXX be deleted from my report for inaccurate and incomplete information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a closed account with XXXX XXXX  XXXX XXXX reopened XXXX and then a derrogatory remark and a missed payment was placed on my report. I sent proof that the account was closed to transunion. I spoke with their attorney whom collects payments for the closed account after a judgement was recieved. 

the account has been closed for 2 years or better and it wasnt reopened by me nor by the creditor? Yet they reported this inaccurately and damaged my credit again. They also listed the account as a charge off and attempted to place it into collections? They are violating this law with my account ( XXXX XXXX  XXXX XXXX ) Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure sectionwhich is to provide for the protection of consumers against false and erroneousreporting. ... The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report.

A 609 letter is a letter used to dispute errors or other inaccuracies off your credit report after the Debt Validation letter process has been followed XXXXXXXX XXXX XXXX. It can be used to remove collections, public records such as bankruptcies/tax liens/repos/evictions, derogatory accounts, Closed accounts, Charged Off Accounts, hard inquiries, and late payments. Removing these negative items will help to raise your credit score. 

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). 

The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation, the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX and i am writing this complaint because the ( 3 ) major credit bureaus Transunion, XXXX and XXXX are reporting inaccurate inquiries on my credit report that are hurting my image and profile. This is stressful because i am strengthening my profile and these errors are holding my back. I have contacted all three credit reporting agencies and they refuse to help me. I need ALL of these removed because i did not apply or authorize these inquiries. PLEASE help me here as i have exhausted all my remedies.
Product: Payday loan, title loan, or personal loan

I'm not paying no more money on this loan because they are considered illegal in pa!
Product: Debt collection

I received a call from XXXX people stating that General Revenue Corporation called them stating that I owed a debt of ( approx ) {$1800.00} to XXXX XXXX  University which was a XXXX loan. My details should not be shared, especially with people I dont approve. I was never called directly to resolve this, but they could call XXXX other people and share information about me?
Product: Mortgage

On XX/XX/XXXX I called my mortgage company Shellpoint for options because I was not being able to paying the mortgage. I was giving the option to extend my forbearance. I was told that my credit report would not be reported late and I did not have to pay until XXXX. 
Early XX/XX/XXXX I received a phone call that my mortgage was not paid. I told the representative I was on a forbearance plan. The representative told me she did not have any records of my forbearance. On XX/XX/XXXX I called my point of contact XXXX XXXX I left message he called me back XX/XX/XXXX and he informed she did not put it in the forbearance correctly he will put it in for me. I will not be responsible for XXXX, XXXX, and XXXX mortgage for sure and no negative reporting will be done. To be sure I called XXXX XXXX back on XX/XX/XXXX however he was on vacation I got routed to another representative XXXX informed me that XXXX nor the representative in XXXX has the right to say I am approved for the forbearance it has to be submitted for approval. XXXX also informed me that I was denied and needed to make arrangements. I was in tears and could barley talk. I had to call back XXXX. I tried calling he was on vacation. So right before XXXX XXXX I called back to XXXX XXXX he did not answer I spoke to Another rep she placed me on a loan modification. My concern was my credit report. I was told by Shellpoint that I wasnt going to have to pay XXXX, XXXX, and XXXX by being approved for a forbearance which will not report me late. It was until the XXXX I was told it wasnt true.She stated lets put the modification and after that file for a dispute. So on XX/XX/XXXX I called back to file a dispute XXXX still not answering my calls I was told I could only file online. So I submitted an online request and got a letter in the mail stating per cfpb and the fcra they are required to report accurate information. It is an abuse of power for a company to tell me I dont have to pay a mortgage and than report it late on my credit. The representative I spoke to in XXXX and XXXX both are representative of Shellpoint. I have now gotten a job at XXXX starting XXXX XXXX I have been now denied a job. I am requesting they do the right thing. I would have applied for a loan modification back in XXXX instead of waiting for them to mess up my credit. I requesting my credit be updated asap
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$490.00} XXXX - XXXX  XXXX  XXXX {$1.00} XXXX XXXX XXXX XXXX XX/XX/2022
Product: Mortgage

OCWEN is claiming that my account is severely delinquent when it is not. They decided to put me in escrow recently, even though I have always paid my own homeowners insurance on time and in full each month, I have paid my own real estate taxes, and my mortgage payments were current. I have made multiple phone calls to OCWEN to resolve this, and each time I have spoken with someone who does not understand me ( does not speak clear English ) and is unwilling to help me with this loan. I have requested to speak to a supervisor, to which I am told I can not. My loan payments have suffered because of being charged for the escrow ( which is double my monthly mortgage payment ) and I have accrued multiple additional fees from OCWEN as a result. This happened last year as well, and I thought the issue was resolved. I am currently being told my mortgage is excessively delinquent due to the escrow and fees being charges by OCWEN. I am requested the escrow be removed from my account, so that I can go back to making these payments myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Depot is reporting me 120 days late on an account that was closed when they reported it late. 

The account was closed on XX/XX/XXXX, and they are saying that I was 120 days late in XXXX of 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXXXX/XX/year> 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: Mortgage

I applied for a purchase loan on XX/XX/19. It took days to get assigned a loan officer, who has been very unresponsive. It took 10bdays to get the preapproval for my loan, come to find out on XX/XX/19 they will not accept dividend income, which lowers my income by {$1000.00} per month. She indicated that if I could not prove dividend income for the past 2 years that we would not be able to move forward with the loan. She did not even provide other options or solutions based on the fact that I meet the federal housing authorities guidelines. 

My income per month is {$6400.00} Which I have already provided all of the verification documents for. My monthly expenses are XXXX XXXX student loans {$810.00} Dept of Ed student loans {$280.00} Auto loans {$300.00} &  {$220.00} Credit card payment ( penfed ) {$280.00} TOTAL = {$1800.00} DTI = 29 % I have significant reserves {$60000.00} that can be used if nessessary to gets my DTI in-line to what they would prefer but anticipate it to be under 25 % on the front end and under 50 % on the back end. As it is currently structured my front end DTI would be 17 % and my back end DTI would be 46 %
Product: Credit reporting or other personal consumer reports

Notice a few errors on my report so i send in a dispute letter telling them what is wrong with my consumer report. and asking the credit reporting agency to do a proper investigation. About a few accounts that is showing missing Data and incomplete report. only to have them send me stall letters telling me they receive my dispute but will not do anything about it. i also send in copy of my social and copy of my ID WITH ADDRESS. 
PLEASE SEE ATTACHED LETTER THEY SEND ME.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal authorized hard inquiries from several different companies My latest credit report shows on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Santanbercon Sumer USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved
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 confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX // Account # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXuser social Account Name : XXXX // Account # XXXXuser social All Acccounts Have Violated My Rights per 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

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

INCORRECT INFORMATION ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Received letter at my home address from Quality Loan Service Corp. It states : " XXXX, who services your home loan, has referred your loan to us for foreclosure on the above referenced property ... '' I had previously requested XXXX XXXX to send all snail mail re my home address to my XXXX XXXX XXXX XXXX XXXX agreed to do so, but apparently neglected to inform Quality Loan of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 3 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXXXXXX. Account Number : XXXX ; Account Name : XXXX  Account Number : XXXX ; and Account Name : U S DEPT OF ED, Account Number : XXXX ; U S DEPT OF ED, Account Number : XXXX ; U S DEPT OF ED, Account Number : XXXX ; XXXX, Account Number : XXXX ; XXXX, Account Number : XXXX ; XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$1600.00} XXXX XX/XX/2022 XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Product: Credit reporting or other personal consumer reports

I have been trying to get Mohela to fix their error reporting to the credit bureau for over a month. They have reported me seriously delinquent while a XXXX XXXX XXXX. I am currently in law school. My school, XXXX XXXX has sent Mohela deferment forms multiple times and they have not fixed their mistake.
Product: Credit reporting or other personal consumer reports

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a XXXX-party credit repair company. Not only do I think this is just your delaying tactics to get an extra XXXX  days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Product: Credit reporting or other personal consumer reports

I Am Writing To Formally Dispute Inaccurate Information Contained In My Credit Report. Please Review This Letter Under The Guidelines Of The Fair Credit Reporting Act ( XXXX  ), Which XXXX XXXX XXXX XXXX XXXX XXXX XXXX And Accurate Information And Investigate Consumer Disputes In A Timely Manner.