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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 XXXX 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. 

XXXX XXXX  IN # XXXX XX/XX/year> -- {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified several inaccuracies that require your attention. The following are the details of the disputed items : The personal information listed on my credit report is incorrect. The previous addresses listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX are not accurate. This violates my rights under the FCRA to have accurate information on my credit report. 

Several credit inquiries, including those by XXXX, XXXX XXXX XXXX, XXXX XXXX, and DISCOVER FINANCIAL SER, have reached the statute of limitation and should be removed from my credit report. This violates my rights under the FCRA to have only accurate and timely information on my credit report. 

The accounts listed with the account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have questionable names and numbers. I request that you either clarify this information for me or delete these accounts immediately from my credit report. This violates my rights under the FCRA to have accurate and complete information on my credit report. 

As per the FCRA, I request that you investigate these items and make the necessary corrections to my credit report within 30 days of receipt of this letter. Please inform me of the results of your investigation and the actions you have taken. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Debt collection

I have a current debt that isn't mines, I tired several times to dispute the debt as it's affecting my credit and has even cost me additional cost when trying to get an apartment when I needed during my transition of building my new home. 

Both the company and the three bureaus have failed to provide me written proof of the this debt. I have provided proof of my current and past addresses in the last 15 years, which doesn't comply to what they have on file. The bureau continues to send info has been verified with no proof and refusing to validate the debt and continue to report the erroneous negative debt. 

Rent Debt Automated XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.In accordance with the Fair Credit Reporting Act Convergent Account # XXXX ( XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

2. In accordance with the Fair Credit Reporting Act Convergent Account name, XXXX XXXX XXXX Inquired on XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, CAXXXX  ( has violated my rights. 

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

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
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 - AUTO FINANCE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX - AUTO FINANCE on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize XXXX  XXXX from any of the following accounts. Block and remove them.
Product: Credit card or prepaid card

The issue I am having is trying to get the SCRA ( Service Members Civil Release Act ) applied to my XXXX XXXX XXXX. My orders and all additional information to prove that I am in the military were accepted on XX/XX/2023. The letter that was sent back denying my eligibility states that the account was opened after the servicemembers entered active duty date. I contacted Comenity Capital Bank on XX/XX/2023, to talk about my situation with a customer service representative about my concerns. The policy that the representative and a manager told me was that the SCRA could only be applied to an account before the enlistment process into the military service had begun. I repeatedly told the representatives this was incorrect because I was fine opening other accounts. The SCRA is supposed to handle debt before enlisting, but it also covers service members during their enlistment when they apply for the SCRA on a credit card. This will be my second contract and fourth consecutive year of military service, and this is my first occurrence of this event. Still, I find it highly disrespectful to be denied, especially as a service member, and it makes me consider that I may not be the only one who has dealt with this similar issue.
Product: Debt collection

XXXX XXXX and midwest recovery systems has put a derogatory mark on my credit report and alleging that I owe XXXX which I have not use this business for any purposes.
Product: Student loan

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2016.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00} XXXXXXXX XXXX XXXX Balance : {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00}
Product: Debt collection

XXXX XXXX/ XXXX has repeatedly changed the amount that they claim that I owe that is currently in collections on my credit report and every month and it has also been increasing by the month while in collections which is illegal. When i called them to discuss this I am being told that they no longer deal with my account and it is now in the hands of a law firm Clarkson and XXXX. 

Adding monthly to an account in collections that is no longer being handled by the company at hand is not legal.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

During the summer, I finished my term with XXXX XXXX XXXXXXXX and requested a student loan payment of {$360.00} on my XXXX account, the remainder of what I had left to owe for my student loans. The payment was scheduled on the XXXX website for XX/XX/XXXX of this year. I got a notification regarding repayment in late XXXX and sent an email to XXXX XXXX on XX/XX/XXXX about the problem since the amount hadn't reflected on my account. I got a response on XX/XX/XXXX from them saying that the payment was now posted to my account, which is now reflected on their website, but I just checked my credit reports from all three of the major credit bureaus today, XX/XX/XXXX, and they all still reflect the loan saying that I have a balance of {$360.00} despite it being paid off. I had filed a dispute with the companies at least two months ago, but Experian concluded on XX/XX/XXXX from my dispute that the balance was still there despite XXXX XXXX saying it was paid, and I had sent a message to XXXX XXXX about reporting my full payment to the credit bureaus, which has yet to be resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have privacy. 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Product: Mortgage

I entered into agreement with XXXX XXXX by paying down {$5000.00} XXXX money on a newly constructed home. I selected XXXXXXXX XXXX DBA Sebonic Financial as my lender. During the home buying process my mortgage XXXX XXXX XXXX has given me the run around and wasnt truthfully and forth about the closing cost. Ive asked XXXX several times what is the true closing cost he sent me XXXX different closing disclosure. The first closing cost was on XX/XX/year> and it stated I would receive {$71.00} during closing. The second was sent XX/XX/year> and I stated I would owe $ {$570.00}. The last one I received was XX/XX/year> {$4500.00}. My mortgage XXXX lied to me multiple times. He told me that XXXX XXXX have to pay anything down and I would be receiving anything back. Before this issue got out of hand I reached out to the builder and the closing attorney and advised them of the issue and I told them that I found a lender that would resolve the issue and they advised me that they would not allow me to change lenders and that I will lose my XXXX money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps adding back fraudulent accounts that where removed after disputed and investigated. I request permanently removal of XXXX and XXXX/XXXX
Product: Student loan

I graduated from California School of XXXX XXXX XX/XX/2010 and I was forced by the school to take out loans to cover the cost of my education. I had to take out a federal loan for {$10000.00} which now I owe {$7600.00} and XXXX in private student loans from XXXX XXXX which I have been paying since and the amount does not seem to change at all, I now owe {$51000.00} to navient.I have recently lost my job and I have no income and currently looking for a job. When I called Navient to ask for help and see what options I have, I was told since I have a private loan I am basically out of luck and even if I do n't have an income I have to make payments. I even explained to the representative of navient that my school has now been closed due to fraud and the lies that the school told all their students and I asked if I can get any kind of forgiveness since I cant use my degree and again I was rejected and I was told I have to make my $ XXXX monthly payments. The representative even suggested I ask my parents for money which I find very disrespectful as a XXXX year old man. My student loans have completely ruined my life, I can not even go back to school because I am under so much pressure to make my payments every month. I am currently past due on my Navient account by a month and I get at least 10 calls a day from Navient leaving me voicemails and trying to collect. I simply do n't know what to do at this point.
Product: Debt collection

I have no clue who this company is I have never done business with them ever in my life. 
I am requesting the validation of the debit. 
A debt validation letter is what I am requesting The name of the Creditor or Original creditor The documents I signed with my wet signature proving I owe the debit.

My 1099 C from the Creditor or Original Creditor. 
Who illegally sold the debit without my authorization or approval And anything with my wet signature authorizing a Debit transfer of ownership? 
And is the company even authorized to do business in my state ( Alaska ) as I don't see a business license on file for them in my State of Alaska?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following fraudulent accounts and inquiries from my credit reports. XXXX XXXX XXXX XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Every time I dispute this information it keeps coming back verified and I am requesting you provide me with your Metro 2 Five Points of Compliance and provide me a signed document with my signature for all of these accounts and address where the supposed accounts are from. I will be filing a lawsuit and hiring a lawyer If you do not delete these accounts off all of my credit reports.
Product: Checking or savings account

Charged {$33.00} every time my card is charged while being froze
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, & XXXX XXXX XXXX is reporting an allege collection that I refuse to pay. I did not receive my notice of my right to dispute this debt before it was added to my consumer report. Neither consumer agency provided me with any evidence they did a reasonable investigation to validate this debt.
Product: Student loan

I got a loan back in XXXX through Sallie Mae with a co-signer. With the intention to pay consistently to get the co-signer off like I was told. I started repaying in XXXX. I have paid an average of {$110.00} ( give or take ) since then automatically. 

My loan was for {$7000.00}. 

Ive been paying since XXXX every month. 

I STILL OWE {$6600.00} as of XX/XX/XXXX towards the loan Breakdown : $ XXXXXXXX XXXX 12 months = {$1300.00} {$1300.00} XXXX XXXX ( years paid so far ) = {$9200.00} YET. 
{$380.00} has only gone towards the principle {$8800.00} has been interest So Ive paid off my loan in interest plus some and yet havent hit {$1000.00} towards the principle in 7 years. This was all misleading for a college student and illegal in my honest opinion. This loan should be paid already and I honestly should have gotten reimbursed back when there was something filed towards XXXX and Sallie Mae ( but I never did ). The information was misleading back in XXXX. 

I havent missed a payment and I cant release my co-signer in addition to that. The reason I cant release my co-signer after 7 YEARS OF PAYING ON TIME per Sallie Mae was because of my credit score.but thats not what I was told. I was told after so many years with perfect paid history the co-signer could be released easily ( nothing else was told ). So I was lied to back in XXXX. 
And it says the loan wont be paid off until XXXX. ( 15 years to pay off a {$7000.00} loan never late ). So XXXX % of what Ive paid the past 7 years has gone to interest. Sallie Mae should not be XXXX college kids. I am XXXX XXXX XXXX and realizing I was used. Sallie Mae is a disgrace. They say they want to help students but they take their money and watch them struggle. Its illegal and sad.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally got a resolution when the Attorney General from California actually did something unlike the CFPB who has not intervened or done anything. I thought everything was resolved until some disputes and credit inquiries were sent to me last night on Experian alerting me. I DID NOT SUBMIT ANY OF THIS! I HAVE NO IDEA WHAT IT IS OR HOW IT AFFECTS ME. AND THEN I CHECKED MY REPORT AND THEY REAGED MY ACCOUNT ... ... ... ... ... ... ..AGAIN!!!!!!!!!!!!!!!!!!!!!!!! I AM GOING TO SUE EXPERIAN IN FEDERAL COURT AND I HAVE MULTIPLE CASES AND PROOF. HAVE YOUR MANAGER CALL ME. I CALLED EXPERIAN AND FINALLY GOT THROUGH TO A HUMAN. I ASKED FOR A SUPERVISOR AND THEY SAID THEYD CALL ME IN AN HOUR. IT HAS BEEN 5 DAYS NEVER RECEIVED A CALL AND THEIR RESPONSE VIA EMAIL WAS THEY DO NOT DO CALLBACKS. I AM SICK OF THIS XXXX I HAVE BEEN DEALING WITH THIS FOR 5 MONTHS. I HAVE NO IDEA WHAT XXXX XXXXXXXX XXXX XXXX OR WHY THERE IS A CREDIT INQUIRY THAT HAS BEEN REMOVED OR WHY MY ACCOUNT IS REAGED AGAIN AND IF WHEN THEY REAGED DID THEY PUT A HARD CREDIT PULL ON IT SINCE THEY HAD IT CLOSED XX/XX/2022 TRYING TO CLOSE IT XXXX. THESE XXXX  USED A TEMPLATE AND DID NOT REMOVE THE STUFF FROM ANOTHER MEMBER CLAIMING BANKRUPTCY AND CRAZY XXXX. I HAVE NOT DISPUTED MY MORTGAGE WHY IS MY MORTGAGE BEING BROUGHT UP! IT HAS TAKEN ME MONTHS TO FIGHT THESE BATTLES WITH THIS DISGUSTING CORRUPT BANKS AND I CAN NOT APPLY FOR MY HOME LOAN UNTIL THIS IS RESOLVED!!!!!!!!!!!! YOU ARE RUINING MY XXXX LIFE.
Product: Checking or savings account

on XX/XX/2021 I have noticed transaction charges of XXXX on my account that I did not authorize, I have notified Chase bank and the vendor listed Chase XXXX XXXX XXXX the vendor acknowledged and notified me that they will cancel as fraudulent application. The bank declined to credit the funds back to my account. I have spoken to XXXX Claims specialist who also declined to call the source directly to clarify the transaction. Claim # XXXX.
Product: Mortgage

I filed a complaint with CFPB on XXXX XXXX over wells Fargo giving us the run around for almost 3 months now and not helping us with our mortgage. Had a man from wells Fargo call me the next day on the XXXX and say how sorry he was and he would get working on it right away! He said he would have a decision by XXXX XXXX for me. Today is the XXXX, have n't heard anything from them so I called AGAIN! This time I was told my file had been pulled from review on XXXX XXXX and no more action has been or will be takin on this account. I was also told that they do n't do unemployment forbearance anymore they could only give me a lower payment for 6 months then on the XXXX month I would owe all of the past due balances for those 6 months. I 've been working with them since XXXX XXXX and have gotten nowhere! And does n't look like they ever had any intensions on helping me. I 've had my home for 5 years never missed a payment. And now because my husband got temporarily laid off for a few months seems our only option is bankruptcy. This ca n't be right, there has to be help out there for the American working family. Please help!!!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Paypal locked my account and is advising that I will not be able to withdraw my balance for 180 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charge XXXX for a daily monitering program for my credit score through Experian. I originally payed {$0.00} for a one credit score and a report which I used for a rental application.

There was no mention that I was signing up for an on-going service. If there was a mention it was not clearly stated.

Experian charged me {$21.00} on XX/XX/2018. I just saw the charge and immediately cancelled the subscription i never signed up for. 

One of the account closing questions was " i didn't know I was signed up for an on-going service. '' This makes it clear that they have had this issue before and haven't done anything to take care of it.

Experian is supposed to help consumers to understand their credit, not trick them into service plans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. {$3000.00} XXXX XXXX XX/XX/XXXX Account charged off. {$720.00} written off. {$720.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$8.00}, XXXX past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$67.00} this account are fraudulent open by someone who stolen my identity, to obtain credit and services