23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax will not send me my annual credit report. I have requested this several times. I have n't received a credit report in over 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of yesterday, XX/XX/XXXX, I was checking my credit reports to keep up to date information about my credit score which I do often. According to my information, my XXXX  score dropped from XXXX to XXXX a 58 point drop in XX/XX/2020. My XXXX dropped 27 points in XXXX and another 27 points in XXXX bringing me from XXXX to XXXX also XXXX. When I checked these sites specifically for changes made to my reports, both XXXX and XXXX show an increase in balance to my student loans due to interest. These reports came from Navient who holds my Federal Loans. I am still paying my loans although the President put a freeze on payments and interest months ago and I have paid off one small loan. There is always some issue with Navient or XXXX XXXX Dept. of Ed. Just for the readers edification, the drop of 58 points in XX/XX/2020, due to Navient 's inaccurate reporting, was a result in a total increase of the following increases in dollar amounts : XXXX has four loans that are mentioned in the increase of ; {$2.00}, {$37.00}, {$37.00}, and {$21.00}, for a whopping total pf {$97.00} dollars. XXXX  has the same as the aforementioned plus ; {$10.00}, {$5.00}, {$11.00} for XXXX and XXXX additionally ; {$72.00}, {$72.00}, {$53.00}, {$12.00}, and {$29.00}. XXXX total - {$120.00} and XXXX - {$230.00} and these numbers for XXXX and XXXX are for the same loans with NAVIENT. This has damaged my credit, and has caused me to be unable to apply for cheaper housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s )  responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a series of unknown inquiries on my credit report inwhich I have disputed before. With no tangible documentation for my sanity and/or records I'm constantly told to seek validation from elsewhere. However, according to the FCRA, if the accuser can not show substantial proof then the account and/ or inquiry shall be removed.
Product: Mortgage

I recently applied for a first time home buyer program with Navy Federal Credit Union which I was denied. I applied for XXXX, which the pre approval usually takes XXXX to XXXX hours which the representative told me. It has been over a week and did not hear any from the lender. I called to check on the status and was told my application was denied due to debt to income ratio. This seem strange because other lenders have me at a 47 % ratio which NFCU says I am over their threshold which is 50 %. I believe I was denied based on XXXX XXXX. I was told in 2019 that my credit was the problem which at the time was a XXXX, which now it is at a XXXX. 
NFCU approved me for additional credit card limit but not mortgage. These practices with these lenders/banks has to stop, it has hinder my family and myself with progress in life because of a person who makes those decisions.
Product: Vehicle loan or lease

I paid the loan amount before the end of the lease but WellsFargo is starting I owed $ 6,000+. The full loan amount was paid along with any late fees per the loan agreement. It should be paid in full and a XXXX balance. The loan did not expire with me owing any money. I want to be in good standing and a XXXX balance or remove WellsFargo from credit report.
Product: Debt collection

The company Professional Adjustment Corp, is report a debt is not mine that need to be remove off my credit report. There is XXXX account XXXX is {$190.00} and the other is XXXX balance but is report in a negative report against me. I sent this company a request for Validation of this debt. But as I stated in the letter if no respond in XXXX must be remove from my credit reports.
Product: Credit card or prepaid card

My bag was stolen that contained my wallet & my phone & a few other things. After I figured out that who ever stole my bag was using my card and seen the fraudulent charges i called it in stolen. I made a police report. They sent me some forms in the mail I got them and i filled those out and signed the forms and faxed them in. & the same day I called to check if they received those forms they told me that they had denied my dispute claim and would not give me any sort of reason as to why. I dont understand how they denied it considering the charges are from a town 3 hours away from me. They basicly denied me and said sorry your XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the owner of US DEPT OF EDUCATION/XXXX, This is not the correct name of the student loan that was granted..I do not owe this company..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Product: Credit reporting or other personal consumer reports

I would like to dispute these negative accounts on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party which is incorrect.Please see attached file for your review. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian : 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 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 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 XXXX XXXX XXXX
Product: Credit card

This bank and company doesnt want me as a customer or to have be approved for a credit card Ive applied countless times and have always been denied being told they cant verify me I recently applied for a secured credit card they gave me a hard time to verify me and my information I have a fraud alert on my credit report which they have to speak to me to have it cleared they refused to do so and said XXXX XXXX this is very rude and not how I should be treated when coming to apply for a secured card
Product: Credit reporting

I previously challenged the accuracy in reporting of several bankruptcy listings on my Transunion report. Federal Courts, because of privacy laws do not release social security numbers to credit bureaus. Pursuant to Rule 1005 of the Federal Rule of Bankruptcy Procedure all documents filed with the court are to contain only the last four digits of an individual 's social security number or tax identification number. The XXXX XXXX of Illinois does n't provide any information to any credit bureaus, all this information is obtained via third party. I would like to know how Transunion can verify the validity of the bankruptcy entries listed on my credit profile. Transunion has also failed to provide the name of the furnisher, address and telephone number. My social security number and the social security number listed in the federal courts do n't match. How can Transunion tie this account to my name and credit profile? This is inaccurate reporting and a violation of the Fair Credit Reporting Act. My social security number does not match what is in the bankruptcy records. I 've verified this information through XXXX. If, the bankruptcy does match my records Transunion needs to match my full nine digit social security number along with a filing date and case number and if not Transunion must DELETE the entries associated with bankruptcy from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have negative information from the credit reporting agency XXXX. I have disputed this Portfolio Recovery Associates account # XXXX since XXXX XXXX. I have sent them a copy of their letter with the payoff showing XXXX balance.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX  Date of inquiry : XX/XX/year> XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX Date of inquiry : XX/XX/year> XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX  XXXX Date of inquiry : XX/XX/year> XXXX. XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID 's THEFT REPORT # XXXX, XXXX, XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 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 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

used Bank of America to pay dentist bill, however, dentist overcharged per the contract with dental insurance and Bank of America would not help -- -they helped dentist commit fraud. Then, after many unsuccessful and aggravating phone calls with Bank of America, they actually had a collection agency call me BEFORE the payment was even due. There was NEVER anything past due on my account. I had already closed my credit card account and I still get solicitations to borrow money. Thank goodness I had no other dealings with Bank of America other than a credit card. I am disgusted both by the dentist that did this, never responded to my direct contact and even more disgusted with Bank of America 's handling -- or should I say mis-handling of the whole thing. Good riddance to them.
Product: Credit reporting or other personal consumer reports

This collection agency, LVNV Funding LLC, has reported two false and misleading practices on my credit report. In accordance with the Fair Credit Reporting Act, this collection company has violated FDCA 807 and providing misleading forms violation FDCA 812.In addition, 15 USC1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written consent. By law, this collection agency must submit proper validation of debt with my wet signature and identification which they have failed to do so.
Product: Debt collection

I received a letter from Midland Credit Management attempting to collect a debt dated XX/XX/XXXX. I do not believe that I owe this debt. Upon reviewing my credit report I see that this debt is listed on my XXXX, XXXX and XXXX reports, I also see that there is a note on all reports that it is in dispute. I looked in my old files and see that I sent a debt verification letter on XX/XX/XXXX in response to a Pre-Legal letter that I received from Midland dated XX/XX/XXXX. I have never gotten a response to my request and am needing to verify that this is a debt that I actually owe. I have attached copies of the letters that were send and the certified mail receipt showing that Midland Credit Management did receive my request. I have had debt collection agencies try to collect on debt that I do not owe or old debt that I have already paid off or settled. I need Midland Credit Management to verify that they actually have the authority to collect on this debt. I've reached out to XXXX XXXX XXXX and have not gotten a resolution and also they are offering me new credit cards now.
Product: Credit card or prepaid card

I missed a payment ; I was told to pay {$90.00} late fee smh. I did and them i was hot with {$150.00} late fee and it kept going up. I asked how ND WHY ARE THE FEES so high. And why if I paid the late fee, am I still be hit with enormous fees. I did not get an answer. Most companies charge $ XXXX {$35.00} late fee. Not {$100.00} and up.
Product: Debt collection

I had incurred a debt after a visit to the ER. I was unable to pay the debt for quite some time as I was a college student making very little money. After I saved up I made a payment arrangement in regards to this debt and made a total of 3 payments before not being able to continue payments. I made a payment of {$50.00} on XX/XX/2015, {$100.00} on XX/XX/2015, and {$100.00} on XX/XX/2015. I called 2 years later to settle this debt and found out that the amount paid had not been included in the total balance.
Product: Mortgage

Attempted to assume and receive a mortgage modification after my mothers XXXX XXXX/XXXX/XXXX. 

Applied through loan servicer ( Select Portfolio Servicing ) on XXXX/XXXX/XXXX. 

Denial letter received from loan servicer on XXXX/XXXX/XXXX for the following stated reason : Discharged Bankruptcy not Readfirmed Mortgage was already in an active modification and was based on my mother and my income prior to her XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

In the Equifax report I see XXXX changes that lowered my credit score, they are accounts that no longer exist and were opened again in the month of XXXX that information is incorrect Account Opened New XXXX XXXX XXXX account detected New XXXX XXXX XXXX XXXX account detected New XXXX XXXX account detected New XXXX XXXX XXXXXXXX account detected New XXXXXXXX XXXX account detected New XXXX XXXXXXXX XXXX account detected New XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX account detected New XXXX  account detected New XXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX account detected New XXXXXXXX account detected New XXXX XXXX XXXXcount detected This information is not correct
Product: Vehicle loan or lease

I entered a contract with Santander Consumer USA and then did a refi with the my credit union. They have mailed me a gap refund check and an overage payment but have not refunded my Service Contract Warranty. I have reached out to the dealership and was informed that Santander received a check on XX/XX/year> but Santander has not refunded me all of my money only the gap and overage payment was received. I have called in several times and keep being told to wait. I am tired of waiting I want my money NOW
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX  through a Direct Dispute On XX/XX/XXXX. It was indicated to me that the Investigation would be completed by XX/XX/XXXX. It is Now XX/XX/XXXX and they have not communicated with me at all other to continue to say that it is still Under Investigation. It has been 47 days since I initiated the dispute. I have medical coverage and had coverage since XX/XX/XXXX and advised them that if needed I would furnish proof that the debit is not valid. XXXX  needs to remove this derogatory remark as it has no validity and it is going on two months since the dispute was submitted to XXXX in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

BECU closed account XX/XX/XXXX and continued to report late payment after account was closed. 
I submitted complaint through CFPB and BECU stopped reporting but did not remove the additional reports. 
complaint ID XXXX As of XX/XX/XXXX BECU started reporting late payment on this closed account AGAIN.
Product: Credit reporting or other personal consumer reports

I want these inquiries deleted because I did not authorize these companies to run my credit. 

I have two inquiries from 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 Equifax Mortage ser XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a formal request to Equifax for an investigation regarding an account listed as XXXX on my credit report, which I did not recognize. Following this request, Equifax deleted the account from my credit report. 

However, without providing me any prior notification, Equifax reinserted the account back onto my credit report. I became aware of this re-insertion only when I received a copy of my credit report from Equifax on XX/XX/year>. 

This action is a clear violation of Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), which requires Equifax to notify me in writing within five business days of re-inserting an item after it has been deleted. To date, I have not received any such notification. Additionally, I believe Equifax failed to conduct a proper investigation of the account, as they did not provide any evidence or further explanation as to why the account was reinstated. 

I request that the CFPB investigate this matter and hold Equifax accountable for violating my rights under the FCRA.
Product: Credit card or prepaid card

Received a credit card on XX/XX/2022 from Bank of America that I did not open. I talked to customer service to report this and cancel this card.
Product: Debt collection

IC systems added a collection to my credit report in the amount of {$5800.00} with date opened date of XX/XX/2021. I monitor my credit report every month and have never seen this collection. I was never contacted at my phone number or address for this collection either. I'm in the process of closing on a home and I feel they did this on purpose to extort money from me. Literally, I'm days away from closing on my dream home and this random collection pops up out of nowhere delaying everything and running my dreams. I've contacted them directly and of course, they do not respond. How can the credit bureaus get away with this! Apparently, XXXX and XXXX just took their word for it too. They also added a remark " Affected by natural disaster '' what does that even mean?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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