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

XXXX XXXX, XXXX, XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Above  companies as a result of data breach in 2017 were fraudulent and should be removed from all credit agencies. Thank you for your help. 

XXXX XXXX XXXX and XXXX has 10 late payments that should be removed. Payments were as a result of identity theft issues and fraudulent accounts. The late payments are causing discrimination and we are unable to refinance or get loans, credit cards, credit because of the identity theft and financial ramifications. Our lives have been ruined and we need help with clearing our name and restoring our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX grant which I converted to loans last year. At that time, I was told by a representative at XXXX XXXX that these new loans would be rolled into municipal existing loans and added to my monthly payments. I just noticed yesterday ( XX/XX/2018 ) they were delinquent ( 11 missed payments ) with no emails or notifications from XXXX about any of the missed payments. Again, I was told they would be added to my current loans, so I thought they were being taken out all along. I want this taken off of my credit report as this was not my fault. I paid off the outstanding balance yesterday ( {$1100.00} on XX/XX/2018 ). I have paid every single other loan on time. I am a great customer who clearly trusted the word of someone at a XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX  )
Product: Debt collection

I have asked for validation that the debt is mine with a signed contract and I have not received anything but offer to settle letters. They stated it is from XXXX but I do n't recall receiving anything from XXXX to that fact.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX  XXXX XXXX XX/XX/XXXX with a balance of {$760.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I became a victim of ID theft in 2012 when my Identity was compromised. I believe that XXXX ore more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX XXXX XXXX.
Product: Debt collection

LVNV aka Resurgent Capital Services. This company continues to contact me regarding multiple debts that they have not verified/validated. They have emailed me over 90 times regarding different accounts they allege I owe. I have sent them a cease and desist notice which they have failed to honor. They are not only continuing to send me mail, but they are indirectly communicating with me via furnishing incorrect data to various consumer reporting agencies which is a violation of the FDCPA. They have submitted evidence through their representative which shows they have continued to contact me after they have received my notice to cease and desist all communication efforts regarding any debts they allege I owe. They received my letter on XXXX XXXX, 2021 and have sent me mail concerning these alleged debts XX/XX/XXXX and XX/XX/XXXX of 2021. This harassment and abusive debt collection practices. They are bullying me and trying to collect on debts that are not mine. None of the statements or information they are reporting on me is connected to any address of mine clearly this is an error and they have not efficiently investigated any of this information. I am demanding they remove all accounts they have furnished on my consumer report with all credit reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

# 1-Date reported XX/XX/XXXX amount is {$8200.00} Bank of America- Date opened XX/XX/XXXX, date account closed XX/XX/XXXX. This belongs to XXXX XXXX XXXX I divorced him XX/XX/XXXX. I filed filed chapter XXXX  on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance. My lawyer said that is illegal because I filed Bankruptcy.

# 2-Date reported XX/XX/XXXX amount is {$3400.00} Bank of America showing also Derogatory, date account opened XX/XX/XXXX and date account closed XX/XX/XXXX. This also belongs to XXXX XXXX XXXX. I divorced him XX/XX/XXXX. I filed chapter XXXX  on XX/XX/XXXX with XXXX XXXX # XXXX   Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy.

# 3-Date reported XX/XX/XXXX amount is {$15000.00} XXXX XXXX  showing also derogatory, date account opened XX/XX/XXXX and date account closed XX/XX/XXXX. This also is belongs to XXXX XXXX XXXX. divorced him XX/XX/XXXX. I filed chapter XXXX   on XX/XX/XXXX with XXXX XXXX # XXXX  Bankruptcy Docket # XXXX   this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy.

these three credit cards that are reporting a balance illegally on my credit report total = XXXX..

# 4- state collection- date reported XX/XX/XXXX, amount {$89.00}, date account opened XX/XX/XXXXI filed chapter XXXX  on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy.

# 5- state collection - date account opened XX/XX/XXXX, amount {$170.00}, I filed chapter XX/XX/XXXX on XX/XX/XXXX with XXXX XXXX # XXXX  Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy.

# 6-State collection- date account opened XX/XX/XXXX, amount {$100.00}, I filed chapter XXXX  on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy.

Please I had to pay a lot of money for a bankruptcy lawyer and paid my dues this is not fair these are illegally reporting on my credit report please help.
Product: Credit reporting or other personal consumer reports

I saw my credit report and noticed that there are some inaccurate accounts showing up. I don't have any idea why they're showing up inaccurately but I want them gone immediately.
Product: Credit reporting

XXXX XXXX XXXX XXXX dba XXXX XXXX place a judgment on my credit. i have ask the company for 2 years to removed off my credit because it does not belong to me. after futher research i found out that the judgment belong to someone with the same name as mine but with diffent SSN, DOB and DRIVER LIC number. So i call the attorneys for XXXX XXXX XXXX XXXX and explain everything and they exknowlegde the fact that i was not the person that they thought i was. So they sent me a letter stating that XXXX XXXX IS NOT THE DEBTOR IN THE ABOVE CASE THAT WAS FILED WITH THE CREDIT COMPANY.So i sent the letter to Equifax and three times and started a investigation 3 times and they keep writing me back saying!!!!! item verified and will not remove. i have place three calls to Equifax and they still will not remove.I have a letter from the Attorneys that repersent Senteniel Real Estate that states XXXX XXXX is not the person in Question, also thats filed with the XXXX County Records Clerks office.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and Experian, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data. 
Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and Experian, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, Experian, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon. 
Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and Experian continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and Experian seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership and applied for auto loan, I also applied for some credit accounts and my credit was shopped around, I ended up with XXXX hard inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 60 days past due on XXXX/XXXX partial account number ****XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Name : XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Employers : XXXX Employers : XXXX XXXX XXXX XXXXXXXX Employers : XXXX  XXXX Employers : XXXX Employers : XXXX XXXX XXXX Employers : XXXX  XXXX XXXX XXXX XXXX  Employers : XXXX  XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Late Payment XXXX XXXX XXXX  Collection/Charge Off XXXXXXXX XXXX XXXX  Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax today and sent dispute letter ( s ) with a police report dated XX/XX/22 in regards to this matter. Please advise.
Product: Credit reporting or other personal consumer reports

Capital One Credit Card ending in XXXX Capital One Credit Card ending in XXXX
Product: Mortgage

I submitted my mortgage payment to Quicken Loans on XXXX/XXXX/2016. 
The payment was never withdrawn from my account ending in XXXX. 
When I called Quicken Loans to inquire why that was the case, I was told that Quicken Loans had XXXX similar checking account accounts on file for me. 
I was assured that the incorrect account would be removed, and that my payment would have be redeposited, without affecting my credit because I had paid before being 30 days over due. 
I have called Quicken Loans, but I have only received empty promises that someone would call me back, and that everything will be taken care of. 
No one has called me back, and Quicken loans has not withdrawn any payment from my account, but instead, had referred me to multiple credit bureaus indicating that I am either 60, or 31-60 days late when this is not the case. 
Quicken Loans has not provided me with a good level of service ever since I became a customer. 
Furthermore, even though my insurance was renewed with a effective date of XX/XX/2016, Quicken Loans never made my premium payment, and had not done so until I called to complain on XX/XX/2016. Quicken Loans did not make a payment in my behalf until XX/XX/2016. 

Quicken Loans have never treated me well. 
The following explanation, and my current mistreatment are the basis for my rationale to finally file a complaint with the CFPB : When I applied for to refinance my mortgage, Quicken Loans accepted an appraisal that was based on houses that were not in my neighborhood. As a XXXX, I was shocked when Quicken Loans accepted a blatantly under evaluation that was based on minority neighborhoods, instead of using evaluation from my more prosperous and predominately XXXX neighborhood. 
To further prove my point, even though my house is the exact same as my neighbor 's and had recently undergone a complete renovation, my house was appraised for {$91000.00} less. {$120000.00} for mine, and {$220000.00} for theirs. 
I have brought this to Quicken Loan 's attention before, and nothing was done about it.
Product: Credit reporting or other personal consumer reports

Experian refuses to score me despite the fact I have 6+ months of credit history. This is prejudicial and harms my chances getting new cards, getting limit increases, and getting loan offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THIS COMPANY FOR OVER A YEAR NOW. AND I EVEN HAVE ASKED THEM TO PROVIDE PROOF OF ME EVER GETTING ANY TYPE OF LOAN FROM THEM. THEY HAVE NO PROOF YET THEY WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEED SOMEONE TO EXPLAIN TO HOW I CANT PROOF THAT I AM VICTIM. I DON'T KNOW WHAT INFORMATION TO PROVIDE, I KEEP CALLING XXXX XXXX XXXX, THEY CANT PROVIDE INFORMATION, I KEEP CALLING EXPERIAN AND XXXX  THEY CANT SEEM TO GIVE ME CLEAR INFORMATION. I THINK THESE BIG CORPORATIONS ARE DING THESE ON PURPOSE TO LOWER PEOPLES FICO SCORE OT THEY ARE THE ONESE WHO ARE SELLING CONSUMERS INFORMATION.
Product: Credit reporting, credit repair services, 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, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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. 16815-2 ( 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

Trans Union Credit Reporting agency is reporting inaccurate information on my credit report. Information is inaccurate and does not reflect the status of payments made to the banking institution. The incorrect information is reported as collection from XXXX XXXX for the month of XXXX and XX/XX/2020. The institution stated no derogatory information has been reported to Trans Union on any of my accounts. Trans Union has placed inaccurate information on my account which has reduced by credit score by a significant amount. I would like this incorrect information corrected and removed from by account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt writing you in response to your decision to close the dispute investigation for inaccurate late payments. I disagree with your decision because accounts are still NOT reporting 100 % accurately according to Fair Credit Reporting Act ( FCRA ) .The creditor XXXX XXXX and XXXX XXXX Bank are reporting different payment history on all three credit bureaus. These accounts are showing inconsistency and inaccuracy on my credit report that you failed to notice. How is this possible if by Federal law, everything on my credit profile must be accurate, and verifiable if not that information must be deleted. You have FAILED to conduct a proper investigation. 

Also, I NEVER received the option to opt out of disclosing my personal information to third party according to 1

5 U.S. Code 6802. This is a Violation to my consumer rights. I did not give the creditor written authority to include transactions nor payment history to any third party in accordance to FCRA and 15 U.S. Code 1681a. Again, You have failed to conduct a proper investigation and the information is not
accurate. Therefore, According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 


I am requesting you immediately REVERSE or REMOVE late payments from the following ; Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Va XXXX Acct # XXXX
Product: Student loan

My student loan servicer is currently Nelnet, as it was changed from the company Great Lakes. I qualify for the XXXX repayment plan. I applied for the XXXX repayment plan in XXXX, on the federal student aid government website. On the federal student aid website it states that my application was processed and this direct quote : '' Your loan servicer ( XXXX ) has ( have ) completed their review of your application. '' On the Nelnet website it states that I am enrolled in the XXXX plan ( not to be confused with the XXXX plan, which is a different repayment plan ), which I never applied to or was enrolled in the past. I never received communication from Nelnet that my repayment plan had been changed to the XXXX plan. I called and was unable to communicate by phone due to hours long wait times. I sent a detailed email to Nelnet and was sent an automated email letting me know that no one would reply to my email as no one would be reading it. It directed me to try the Nelnet website and if my issue wasn't resolved by visiting FAQ on their website, to call their phone number. Placing an account on a completely different repayment plan than you applied to is unacceptable ; the terms of each repayment plan are all different and change the monthly payment depending on what repayment plan you are enrolled in.