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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2021
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting

Multiple Addresses Incorrect. 

I have NEVER lived at the following addresses reported : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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

During the pandemic, in XXXX, I was in need of deferment. I had held my mortgage with Bank of America since XXXX and had never had any missed or late payments. Upon request, they did offer deferment on my mortgage for XXXX months. In XXXX, XXXX, I attempted to pay the deferred amount and brought my mortgage current with a payment of more than nine thousand dollars. 

At this time, since I made the payment, I believed the deferment was paid in full. Recently, I noticed an amount of XXXX on my statement noted as a " deferred '' balance. Several weeks ago, I contacted Bank of America Mortgage Unit, explained my concerns. I was told the deferred amount was not paid in full as they applied the payment to principle, deferments can't be paid until the loan is paid in full, it's placed on the back end, not earning interest and not including in my balance. 

I also inquired as to why they are reporting XXXX as included in balance to the credit bureau as my balance is XXXX per Bank of America, but they are reporting a balance of XXXX to the credit bureau 's. Bank of America game me a case number # XXXX and stated the issue will be corrected within ten days, but it has not been corrected. 

I have filed disputes with both XXXX XXXX and XXXX regarding my balance. They both conducted investigations. The results are per Bank of America the balance is reported accurately. 

Bank of America is in violation of the Fair Credit Reporting Act. This issue is reducing my credit score and needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a XXXX account and I have called XXXX and they do not have any open account past or previous in my name so how Experian is showing its accurate is not true because I have called every number to resolve and they do not have an account in my name period. I also need whatever Consumer Alert removed from my file because my It is affecting my husband and I getting a loan. I never placed a consumer alert on my file and I want it removed. 
Thank You. 
This complaint is for Experian Credit Bureau Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted the Three Major Bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me s letter, stating that they received the information from the United States Bankruptcy Court, District of XXXX, yet I received a letter from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ). Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the Bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.
Product: Credit reporting

I am the victim of identity theft and have been working to fix my credit for years. I had perfect credit until some criminal ruined it. Slowly but surely I have proved accounts do not belong to me and Experian has fought me every step of the way. I have repeatedly disputed a XXXX XXXX account ending in XXXX on my Experian credit report. They have refused to remove it. Furthermore, they refuse to remove an address of XXXX XXXX XXXX XXXX that does n't belong to me as well. They are reporting credit inquiries that do not belong to me and do not meet the permissible use requirement of the law. Today I tried to upload a letter from XXXX XXXX, roof he account does n't belong to me, in PDF format to their servers. Even though the file was the correct format, they refused to accept it. They also refused to accept the below statement that was in PDF format. The files would not upload to the server. 
The following inquiries are fraudulent and unauthorized. They do not meet the law 's requirement for permissible use. 
Account name XXXX XXXX Date of request XXXX/XXXX/2016 Account name XXXX Date of request XXXX/XXXX/2016 Finally, they are reporting a XXXX XXXX XXXX and XXXX XXXX account that do not belong to me. XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ) refuse to respond to my repeated demands for proof of the debt. Experian is illegally continuing to report accounts that do n't belong to me. Their verification process is lacking. I have proved numerous accounts are being reported that do n't belong to me. Today I am submitting yet another letter for an account they repeatedly " verified '' as belonging to me and what do you know? It does n't belong to me.
Product: Credit reporting or other personal consumer reports

You were recently notified that all Power of Attorney, Consent and Security Interest you were given on behalf of the Principal is now revoked. This means that you are no longer allowed to utilize any information relating to the Principal, including but not limited to, sharing, compiling, selling and acting on behalf of the Principal in anyway. 

Keep in mind, that using a person 's nonpublic personal information without consent is a criminal act known as identity theft. if you would like more information regarding the use of unauthorized use of a person 's information, you can find it codified in 18 U.S. Code 1028. 

XXXX XXXX XXXX XXXX is hereby instructed that you must immediately cease using any information related to the principal. It is required that you reply to this notice confirming that you have received this notice and have complied with the instructions within five business days.
Product: Debt collection

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX, CO XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX XXXX XXXX. has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. I have no idea who this company is, and not only were they NOT able to furnish a signed contract of my doing business with them in any way, they have now violated my HIPAA rights as well by sending me a patient report containing my medical procedure information from some other company, but NOT sending any copy of a HIPAA release form. Now they've violated my FCRA, FDCPA, AND HIPAA rights. Thank you for helping me resolve this matter.
Product: Credit card

XX/XX/XXXX {$500.00} Purchased with in store credit card offered at Ulta Beauty with Comenity Bank XX/XX/XXXX Called Credit Card to repot that a statement had not been received and make payment for the complete balance XX/XX/XXXX Comenity Agent took payment and removed late fees/interest one time due to statement receipt issue XX/XX/XXXX {$3.00} interest charge was added to the account without my knowledge or agreement ( apparently as daily interest, without informing me at the time of payment ) - No additional purchase had been made since XX/XX/XXXX ( balance paid on XX/XX/XXXX ) - Comenity continued to charge interest and late fees on this {$3.00} interest charge in XXXX and XXXX. 
- XXXX - after realizing what was happening, I contacted a bank supervisor to inform of problem, they reviewed phone conversations from XX/XX/XXXX and confirmed that no information was provided regarding additional late fees to be charged after full payment was made on that day. Supervisor was to review with management and seek credit to close issue. 
- Called back XXXX more times and was told after another review they can not help and that would still be responsible for all interest and fees, however they would again escalate to Sr. Management - Called back on XX/XX/XXXX- they still would not waive these fees but offered a {$10.00} credit, I reluctantly agreed only to close the issue and I paid the balance. Agent said wait XXXX for statement to reflect XXXX balance. 
- Called back on XX/XX/XXXX to confirm XXXX balance and learned I was charged another late fee and interest for XXXX - unbelievable! 

I maintain very good credit and pay bills on-time each month. What this company is doing needs to be investigated. Although this is a small amount, the premise surrounding the charges is extremely egregious and misleading. If this is happening across all of their customers, they are fraudulently misleading and profiting from the public.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate open account status data on my consumer report. The account has not been updated since XX/XX/2023 and needs to be re-investigated. Experians ' inaccurate reporting is damaging my XXXX XXXX XXXX ratio resulting in my inability to qualify for loans and credit. Experian is reporting outdated undeliverable addresses on my consumer report. As a previous victim of identity theft I understand how this could harm me by leaving me open to fraud or another identity theft.
Product: Credit reporting or other personal consumer reports

When I examined my credit report, I found that certain details were incorrect. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is essential for the three credit bureaus to verify these accounts. Failing to validate this information within the legally mandated timeframe without substantiating evidence is not permissible. The accounts listed on my credit report require investigation and correction due to inaccuracies in reportings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I am currently being harassed by Navient. I have been going back and forth with them for years with no luck. They will not reduce my payment to a reasonable amount, and even when I do make payments they do not affect my account. They call me 6-10 times a day and just actually contacted my employer, which I did not think was legal because these are private and not federal loans. Please help!!!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft of some sort there are accounts that dont belong to me I have never applied for
Product: Bank account or service

Chase received payment for a credit card account that was paid off as part of a second home mortgage. The escrow company sent the payment XX/XX/XXXX with my name and account on the check. Chase continued to send non-payment notices and damaged my credit. I finally got the escrow company to resend the fax of the check.I asked Chase to send a copy of a letter to the credit agency to correct the damage. They did not. In fact, when they did send me documentation that the account had been paid and I was due a balance of {$62.00}, it was in a past due notice format and language but had a credit. Not the first issue with Chase. I leased a card from them and then bought it from them but they kept saying I had the title after the lease was up. A pattern of poor records.
Product: Mortgage

Loan pronto out of XXXX must be using an ad agency who does not know basic compliance .. they repeatedly run radio ads on capitol broadcasting touting aprs in the XXXX .. no rate, no loan program .. and when you call its bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I wrote a letter requesting verification of inaccurate accounts on my credit report. I never received a response. On XX/XX/2020, I sent another letter and still haven't received a response.
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the inaccurate items from my file caused by incorrect credit information. However, there are still items that need to be addressed. I am disputing an inquiry in my credit file that resulted from incorrect credit report details. Here is the Identity Theft Report XX/XX/XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any information resulting from alleged identity theft within four business days upon receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX -- -- -- -- TRANSUNION XXXX XXXX XXXX XX/XX/XXXX 
XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX. Please note that you have four business days to remove these items from my credit file. I do not consent to XXXX or any means of automated verification.
Product: Student loan

I have been working full time in public service since XX/XX/XXXX. During this time I have been paying my loans on automatically, on time, and under income drive repayment plans. I applied for PSLF in XX/XX/XXXX and was denied with only 108 payments accepted towards PSLF ( out of 120 needed for  forgiveness ). No one at XXXX XXXX has been able to explain why all 120 payments were not accepted despite my many phone call and email requests. 

I then asked to be considered for TEPSLF on XX/XX/XXXX. I  was denied forgiveness under that program on XX/XX/ and  the denial letter reads : " To be eligible for the TEPSLF opportunity, the amount you paid 12 months prior to applying for TEPSLF and the last payment you made before applying for TEPSLF must have been at least as much as you would have paid under an incomedriven repayment plan. 
We evaluated your eligibility for TEPSLF based on the income-driven repayment plan that would have provided you the lowest monthly payment amount. This gave you the best chance at being eligible for TEPSLF. 
The monthly income-driven payment amount calculated using your information on file was {$350.00}. 
A review of your payment history determined that your most recent payment made was less than the calculated monthly income-driven payment amount. This makes you ineligible for the TEPSLF opportunity. '' This denial does not make sense since my last payment was {$350.00} and my payments the entire last year have been under income driven plans and paid automatically and on time. Please help advise on next steps.
Product: Debt collection

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
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 XXXXXXXX. has violated my rights. 
Unverified Account- Please verify the accuracy and completeness of this account with a sworn affidavit as required by law. Failure to include an affidavit is by definition unverified and must be deleted. 
Please remove this inaccurate information from my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 Days should be enough.

Tracking all letters.

" Patiently '' Waiting. 
Yours truly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute Against Equifax for Non-Compliance Under 15 U.S.C. 1681o To Whom It May Concern, I am filing a formal dispute against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, regarding civil liability for noncompliance. This dispute arises from Equifaxs failure to properly investigate and correct inaccuracies in my credit report following my formal disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

In my initial dispute to Equifax, I specifically requested that they investigate and correct the reported inaccuracies, as detailed in the attached documentation. Despite providing sufficient evidence supporting my claims, Equifax has failed to take appropriate corrective action, thereby violating my rights under the FCRA. 

According to XXXX XXXX. XXXX, XXXX failure to comply with its obligations has caused actual harm, including but not limited to : - Inaccurate reporting affecting my creditworthiness - Denial of credit or unfavorable credit terms - Emotional distress and undue financial burden I am requesting that the CFPB investigate Equifaxs non-compliance and enforce corrective actions, including any applicable penalties. Additionally, I am seeking full compliance with the FCRA, including the immediate correction of my credit report as outlined in my XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX disputes. 

Furthermore, on XX/XX/XXXX, an unknown individual applied for credit in my name with XXXX XXXX XXXX also known as XXXX Credit Card XXXX This unauthorized inquiry, along with several other erroneous hard credit inquiries, has negatively impacted my credit score. Despite multiple requests, Equifax has failed to investigate or remove these inquiries. Please include this issue as part of my complaint. 

Due to this identity theft, I have taken the following protective measures : - Placed a credit freeze on all three major credit bureau reports- Added an ID Theft Fraud Victim alert - Filed a police report ( Report Number XXXX ) with the XXXX Police Department in XXXX XXXX XXXX Filed a report with the XXXX. Postal Service ( Reference Number : XXXX ) Enclosed, please find copies of my original dispute letter, supporting documents, and Equifaxs response ( or lack thereof ). I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX