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

Good morning & happy Saturday! - How are you doing? I was shocked today when I reviewed my credit report today and found late payment remarks for my 10-15 student loan for XXXX. I've already disputed these accounts and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate - These accounts are illegally reporting on my credit report or profile. For example, hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still  reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly by cfpb before. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete all The Hard Inquires from my credit reports Exsperian there is a total of 6 hard Inquires on my credit report that I don't recognize. 
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 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 Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX  XXXX XXXX, AP XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX XXXX XXXX Balance : {$4000.00}.
Product: Credit reporting or other personal consumer reports

Experian refuses to respond to the statement in my letter that includes consumer law! They have ignored the laws that govern them and have not given any explanation or rebuttal against my findings.

I need the CFPB to hold Experian accountable for their negligence! I have accounts and inquiries that are not supposed to be on my credit report and they need to comply with the laws that govern them as stipulated in MY LETTER!

Otherwise I will have no choice but to involve court!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and US BKPT CT XXXX XXXX XXXX Date Filed : XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX  XXXX Bankruptcy ( Date Filed/Reported XX/XX/XXXX, Reference # XXXX ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$14000.00} ), XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$8900.00} ), XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$65000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

I did not consent to, authorize, nor benefit from any of the following accounts or inquiries. Block and Remove them. 
1. XXXX 2 XXXX XXXX XXXX XXXX. XXXX XXXX 4. XXXX XXXX XXXX. XXXX XXXX XXXXXXXX 6. XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX : XXXX XXXX XXXX XX/XX/XXXX 8. XXXX : XXXX Mortgage XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX  XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX. XXXX, XXXX Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX  / XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX In accordance with the Fair Act Credit Reporting act .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  Account # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX  Account # XXXX Account name : Dpt EdXXXX Account XXXX XXXX Account name : Dpt EdXXXX Account # XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt Ed XXXX Account # XXXX, XXXX my information dates from being shared is XX/XX/year> until current date today
Product: Money transfer, virtual currency, or money service

I've been using PayPal for quite some time. I've never been involved in any dubious business dealings. My account has been verified in accordance with the terms and conditions stated. However, on XXXX XXXX XXXX XXXX XXXX XXXX., Paypal sent me an email informing me that my account has been permanently restricted for no apparent reason. This is completely unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for Equifax to block and remove these fraudulent accounts immediately under FCRA or legal actions will be taken. I have sent multiple faxes to XXXX XXXX XXXX in XXXX, GA but no actions have been taken. 

These fraudulent accounts have caused me to lose out on job opportunities as well as denied applications from creditors because Equifax refuses to remove these fraudulent and identity theft accounts. These type of matters need to be taken serious by Equifax. Please block and remove these fraudulent accounts within four days : 1.XXXX XXXX / XXXX XXXX XXXX XXXX Balance : {$3000.00} 2.  XXXX XXXX / XXXX XXXX XXXX Balance : {$3400.00} 3. XXXX XXXX XXXX XXXX Balance : {$1400.00} 4.  XXXX XXXX XXXX XXXX Balance : {$8600.00} 5.  XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 6. XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 7. XXXX XXXX XXXX XXXX | XXXX Balance : {$5000.00}
Product: Debt collection

When talking to them they can not provide information about account about services rendered for break down or dates so that I can cross check it against my XXXX eob form for payment because several times in the past it has already been paid but it takes time. They do not care and demand payment with out discloresure because they do n't have that information.
Product: Debt collection

Complainant made request for several items, including, but not limited to, " The original contract agreement, wet-ink-signed, in full ( full and complete disclosure ) ; '' and, to " Produce any and all IRS 1099-C forms related to the charge-off of the alleged debt. '' No such documents were ever provided. Complainant has reason to believe that the alleged creditor and / or the debt collection firm / attorneys are committing fraud by reporting an alleged debt without evidence of the contract ; and, reporting the debt as " charged off '' without providing a 1099-C, misrepresenting the status of the alleged debt to the IRS.
Product: Mortgage

I purchased this home on XX/XX/XXXX with a VA loan. My wife and I are both XXXX XXXX XXXX veterans. In Illinois, this means we are exempt from property taxes once we file with XXXX XXXX. We filed for this exemption and were granted it mid XXXX. After filling we were exempt from any property taxes after the date of purchase, XX/XX/XXXX. 

At the time of purchased, the tax bill from the previous owner was not released yet. Our lender paid the property taxes for XXXX ( Payable XXXX ) which totaled {$7900.00}. They also paid the pro rated amount after our veterans exemption was filed ( XXXX and XXXX XXXX XXXX ) which was {$1500.00}. XXXX XXXX XXXX we received mail from Loan Depot that we had an escrow shortage of around {$14000.00}. Since we could not afford to pay this upfront, it was added to our

monthly payment bringing our mortgage from {$1800.00} to {$3200.00} a month. After paying that for a year, I requested an escrow analysis. It showed that Loan Depot was still projecting property tax payments for us even after presenting them with our exemption. As of today we have paid {$16000.00} into escrow. This projection should be {$0.00} due to our exemption and out escrow account should only require insurance which we pay {$2500.00} a year. After contacting Loan Depot XX/XX/XXXX, they said my address shows 2 parcels. XXXX ( My family name ) and XXXX ( The previous owners name ). They said the exemption was applied to the parcel ending in XXXX but not XXXX and that I needed to get the exemption for both parcels. 

I contacted the county and explained the situation. XXXX XXXX says my property is split into 2 parcels, one for the house and front yard and one for the backyard. My name was never transferred to the other. However, XXXX does not accrue a separate property tax bill. XXXX property taxes are owed or generated. 

I passed this information onto Loan Depot Friday XX/XX/XXXX. They said the county sent them a tax bill for that parcel. I asked them there is no tax bill for that parcel and where they were getting the amounts from. The representative said they had been estimating it from the previous year. This is not possible since no taxes are ever owed.

Loan Depot said they needed 7-10 business days to resolve this. I told them I want this expedited due to their mistake. After a 45 minute phone call, she told me they can escalate the issue and reduce the time to 3-5 business days. I called back Monday XX/XX/XXXX to verify it was escalated and was told there is no way to reduce the time to resolve this issue.

I have requested documentation about this issue. I have asked for anything they can provide to help understand what caused the issue, but they said they can not provide me anything only that Loan Depot keeps notes for everything and it is not for the customer to view.

Thank you for your time.
Product: Credit reporting, credit repair services, 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 accounts 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 IC System collection agency added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX Upon further research this account was transferred/sold and i am no longer responsible for the account. IC System did not verify this collection. Also, there was no written form of communication, contact or signature. For this accused debt at all. A bill without signature does not validate the debt. And anybody can send a bill and say its mine. According to the FCRA IC System has valuated my rights as a consumer and i'm requesting legal action to remove the accounts immediately.
Product: Credit reporting or other personal consumer reports

This is getting ridiculous. It appears you are all criminals and I am not sure why the CFPB keeps closing cases that have not been addressed. Again, you closed complaint # XXXX with no legitimate basis to do so. XXXX XXXX was accused in my initial complaint of engaging in blatant XXXX discrimination and for manufacturing and providing frivolous flimsy excuses as basis for denying an account opening. They blamed XXXX XXXXXXXXChexSystems as providing them some frivolous report that they claimed they used to render a bogus decision. Yet when I file a complaint with the CFPB demanding that what report of information was provided to XXXX XXXX be provided to the customer, XXXX XXXXChexSystems refused to provide the report and they closed that case unresolved. When I refile the complaint, instead of getting the report from XXXX XXXXChexSystems , I have yet another joker refuse to provide the information requested and the complaint closed. WHERE IS THE REQUESTED REPORT? And who the XXXX, is XXXX XXXX XXXX? I am starting to loose track just how many frivolous entities are involved is this frivolous scheme. I am demanding that XXXX XXXX/ChexSystems provide the requested report that they supposedly provided to XXXX XXXX  . You know who the XXXX is filing the report here.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, MB XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

I have a car loan with capital one. I subscribed to let them withdraw the payment monthly. Last month I spoke with a representative to ensure they had the correct banking information and thought I made it clear it should only be with drawn from one bank account, I was told she removed all other banking information. Today I found that they withdrew the funds from a different account. There was no money in the account so I was also hit with a overdraft fee. I have tried more than once to speak to Capital One regarding this issue, I thought it was cleared up and clarified last month.
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 Equifax Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Original Creditor : ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an inaccurate credit report data but I still have ITEMS left that needed to be removed. This is my new attempt to notify you that I am a victim of incorrect credit reporting and I write to dispute these items in my file resulting from it. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from a mistaken credit reporting. 
EXPERIAN : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX : XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00}. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on these accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

Its an old collection thats no long owed. Time barred. But it affecting my credit score and credit history. I need to be taken off my credit report.
Product: Student loan

While looking at my balances I noticed the following : - Loan # XXXX increased by {$180.00}. From {$6100.00} to {$6.00}, XXXX - Loan # XXXX increased by {$350.00}. From {$11.00}, XXXX to {$12000.00} - Loan # XXXX increased by {$220.00}. From {$10.00}, XXXX to {$10.00}, XXXX I called Advantage who is servicing my loan as my loans are all at a {$0.00} payment with 0 % interest and have been since XX/XX/XXXX. I did not take a forbearance which would require the interest to capitalize no the loan so I was not sure why the loan balances increased. 

I spoke with the Advantage representative at XXXX XXXX, today, XX/XX/XXXX. She notified me that the increase was due to the capitalization of interest. I again notified her that I did not take a forbearance since the government provided one in XXXX which capitalized the interest on the loans totaling nearly {$20000.00}. 

She stated that Aidvantage does not set the interest on the loans and therefore, from her research she was able to see that the capitalization could have occurred anytime since XXXX when I went into repayment. She was unable to pinpoint where the increased amount came from and suggested I reach out to the " Department of the United States Congress '' as they set the interest. She then stated that there was a system error when the Save plan was placed on my account ( which I never signed up for - I signed up for an IDR ), which made the interest a negative amount. The balance adjustment was to account for the interest in the negative amount. Further, the interest statement that I was able to download offline doesn't align to what I was told. 

As of now, no one can tell me where the additional balance came from on these loans and why the balances changed. I did not take any additional money out from the loans, the interest on the loans is not a balloon interest that increased and decreases. Given that no one can tell me why these loan balances increased, they should not be reporting as such. 

Thanks,
Product: Credit reporting or other personal consumer reports

I sent notarized documentation to XXXX XXXX XXXX XXXX XXXX to include a Notice of Dispute and a copy of my state drivers license as proof of identity. The drivers license has my signature on the front of the identification. I requested certified accounting documentation from XXXX XXXX XXXX XXXX XXXX in response to a recent credit report. XXXX XXXX XXXX XXXX XXXX states the account was allegedly charged off but charged offs are considered general income by Internal Revenue Services, but the information is still being reported which is inaccurate. Experian, XXXX, and XXXX all state they do not report income. This information is contradictory and inaccurate. XXXX XXXX XXXX XXXX XXXX has failed to investigate my inquiry but somehow the information has come back verified and accurate according to Experian, XXXX, and XXXX. The letter I received is proof of deceptive practice and failure to investigate a dispute claim by consumer. I have requested to opt out of this account being reported to my Consumer reports until I receive certified documentation that the account has been charged off by IRS standards. 
12 CFR 1016.1 gives me the right to opt-out of the sharing of my nonpublic personal information and I want to exercise my right immediately. Also, 15 U.S. Code 6802 supports my rights to opt out of non-public personal information. 
Accordingly, XXXX XXXX XXXX XXXX XXXX, Experian, XXXX, and XXXX have failed to adhere to the following federal laws and regulations : 15 United States Code 1681e ( b ) 15 U.S. Code 1681c ( a ) ( 4 ) 15 U.S. Code 1681c ( a ) ( 5 ) 15 United States Code 1681a ( d ) ( 2 ) ( A ) ( i )