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

This account is hurting me so bad. 
Ive sent dispute letters for over a year now and they are still reporting inaccurate information. no resolution, no response. 


XXXX XXXX  and XXXX 's inaccurate reporting of information has had a significant impact on my financial well-being and overall life. The inaccuracies in their reporting have led to several negative consequences : Credit Score Damage : One of the most immediate and damaging effects has been on my credit score. Inaccurate reporting, such as missed payments or delinquent accounts, has caused my credit score to plummet. This, in turn, has made it challenging to secure new credit or loans at favorable terms. It has also affected my ability to rent an apartment, obtain insurance, or even land certain job opportunities that require a credit check. 

Higher Interest Rates : Because of the lowered credit score resulting from XXXX XXXX  and XXXX 's inaccuracies, any new credit or loans I've managed to obtain often come with significantly higher interest rates. This has increased the cost of borrowing and made it more difficult to manage my finances effectively. 

Financial Stress : Dealing with the repercussions of inaccurate reporting has caused a great deal of stress and XXXX. It has led to countless hours spent on the phone with creditors, credit reporting agencies, and XXXX XXXX  and XXXX itself, trying to rectify the errors. The uncertainty and frustration surrounding these disputes have taken a toll on my mental and emotional well-being. 

Impacts on Financial Opportunities : The inaccuracies have also limited my financial opportunities. I may have missed out on favorable mortgage rates, credit card offers, or investment opportunities due to my tarnished credit history. This, in turn, affects my ability to achieve important financial goals and build wealth for the future. 

Legal and Regulatory Hassles : In some cases, I may have had to resort to legal action or involve regulatory authorities to address the inaccuracies. This adds an additional layer of stress and financial burden, as legal proceedings can be time-consuming and expensive. 

In summary, XXXX XXXX  and XXXX 'XXXX  inaccurate reporting of information has had a cascading negative impact on my financial life, including damage to my credit score, increased financial costs, heightened stress levels, missed financial opportunities, and potential legal and regulatory hassles. Resolving these inaccuracies and mitigating their effects has become a central concern in my efforts to regain financial stability and peace of mind.
Product: Mortgage

I got a loan from XXXX they informed me that it was an interest only loan the representative informed me of this over and over that I would be able to pay the loan at an interest only at any time without a problem and that the loan can be renewed with no problem. The representative left the company and I got a new rep who informed me that this was not the case and that I would have to refinance the loan and pay more fees. I got one package for a small amount to renew and every time I would get a package he would increase the fees more and more in order to make an even higher commission or percentage on the loan what showed a few XXXX dollars ended up being over {$3700.00} after numerous changes he continued to make. I was forced into getting another loan by getting an appraisal prior to this I was never late on my loan until the loan matured owing {$23000.00} it 's only been XXXX months and I was told I now owe {$46000.00} after XXXX months of non payment. The lender agent gave a loan on false basis and lied constantly about the terms of the loan. I was informed on many occasions that the loan would be renewed on interest only. I later received a copy of an email that was circulated by that XXXX my new account representative explaining to many people involved in the processing of my loan such as the closure using derogatory remarks such as " I was full of it '' and that he deliberately and intensionally refused the renewal because of his personal opinion which was a discriminating action on his part when I did not take the loan I received a nasty email stating he will not renew the loan of interest only therefore causing me to go into default with XXXX I was discriminated based on personal opinion of me as the emails he was sending will show. Therefore causing the loan to escalate into default intentionally. Also causing me to pay double in what was originally owed. At this current time I am in default with Clear Springs the loan servicer regarding this reckless intentional act on his part. When I did not want to take the new term on his terms and was not ready financially due to the recent injury of my father he was angry and refused to renew the interest only with the mortgage servicing company. The employees are advising many borrowers that they can have these loans on interest only and then bait and switch when a person or company does not want a new loan on different terms or chooses to have you owing an even higher amount in order to keep you in debt for a longer period than originally agreed due to high fees not originally agreed and terms that changed in order to benefit them and not the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 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. 


Every other credit report agency has stop reporting these accounts cause its fraud and the information reported is incorrect
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred USD {$11000.00} ( XXXX XXXX ) through Wise to my mothers account in XXXX. Wise received my money on XX/XX/XXXX. On XX/XX/XXXX, Wise sent me an email stating Your transfer [ XXXX ] is complete on our page, but hasnt been paid out by our partner yet. This is because your transfer has reached one of the verification thresholds for sending to XXXX. and requesting additional information/documents to complete the transfer, to which I complied by sending a statement declaring its a donation to my mother. I also submitted XXXX forms of government photo IDs ( Drivers License and XXXX passports ) and a birth certificate. After 2 days, on XX/XX/XXXX, I called Wise to know why the money has not been sent. Although the money has been withdrawn from my account by Wise, the amount has never arrived to the account destination. And yet Wises app and website states that the transfer was successfully sent to my recipients bank on XX/XX/XXXX - how could the money have been received by my mother on XX/XX/XXXX if by XX/XX/XXXX I got an email from Wise stating that my transfer hasnt been completed and my documentation had only been accepted by XX/XX/XXXX? Wise then asked me to send my moms bank statement from XX/XX/XXXX to XX/XX/XXXX to prove that no money has been received by her - I sent the bank statement and have not heard from Wise since. I told Wise to either actually complete the transfer or provide me with a full refund. On XXXX, the Wise account informed me that once a transfer completed, we cant cancel it and refund it to your account - according to Wise, my transfer has been completed and yet no money has been sent to my mother and her brazilian bank is also unable to locate any deposits with the information provided by Wise. I called Wise and they dont provide a protocol to track my case- all they say is that it has been escalated to the proper department, which might take several business days to respond. Over email, it is also taking a long time to get a proper response. As mentioned, I want the money to either be actually sent to her or for it to be fully refund to my account. Wise cant simply claim a money has been sent without providing any proof. I am not happy with their resolution so far and need help to get this resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the " FCRA '' ( XXXXXXXX XXXX  ) ( account # XXXX ) has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I entered college with a full tuition scholarship. I took out student loans to cover room and board ; I graduated with {$15000.00} of XXXX XXXX XXXX now Navient ) debt. 
I 've been making monthly payments for nearly 10 years, solely to interest. I have n't even begun to deduct from the principal. Navient has made XXXX dollars and the pay-off is no where in sight. This is predatory and unmanageable. Help.
Product: Student loan

With the previous assistance of the CFPB, Navient agreed to allow me to enter into a repayment plan at a lower interest rate with lower monthly payments due to economic hardship. My economic hardships resulted from being unemployed and no offers on the table at that time. The repayment plan was that I was to pay {$340.00} per for the next year at 1 %. If at any time I did not make a payment on time Navient had the option to remove me from the payment plan. The payments were to be automatically deducted on the XXXX of each month. The first payment was due XXXX, 2015 and the funds were taken out XXXX XXXX, 2015. The second payment was due XXXX XXXX and the funds were taken out on XXXX XXXX, 2015. The XXXX pay, likewise, were due on the XXXX but this time they were not automatically deducted from my account on XXXX XXXX, 2015. When I contacted Navient I was told that I had defaulted on my account and that I no longer had a payment agreement with them. 
At first I thought it might have been a error on my credit union 's account because the funds were in my checking account and available for withdrawal. I explained to the representative that it had to be a banking error because the funds were there. He stated to me that that did not matter and that my repayment plan was now void since Navient had not been paid on time regardless of whose fault it was ; since it was a new month and I had not notified them by the last day in XXXX. He also stated that I maybe be able to get into a new repayment plan but it would be more than my original plan. I notified my financial institution of what had happened because of the error with my account. It was then that it was brought to my attention that Navient had not attempted to withdraw any funds from my account on XXXX XXXX, 2015 per our agreement. After checking my account statement I checked my Navient account. Under the correspondence there are two documents stating that I am delinquent on my loans. The are dated before the XXXX loan installment was due. I did receive a message stating that if I do n't enter into a different payment plan or pay the past due amount this month my account would be placed into bankruptcy.
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 Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020 and XX/XX/2020, CONSUMER PORTFOLIO SERVI add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021 Discover Financial submitted a hard inquiry and pulled my credit without authorization. I spoke to Discover Financial and they removed this hard inquiry off my XXXX and XXXX and they refused to remove it off of my XXXX credit report. I filed a police report to investigate this fraudulent activity back in XXXX. Discover Financial did not have my permission to pull my credit.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for their failure to properly address my dispute regarding inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Experian via XXXX certified mail, tracking number # XXXX. In this letter, I detailed all inaccurate items and incorrect personal information listed on my credit report. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent bill with my current address. According to XXXX tracking, the letter was delivered to Experian on XX/XX/year>. Despite my detailed and clear request, I have not received any investigation results from Experian. The 30-day response period mandated by the Fair Credit Reporting Act ( FCRA ) has now elapsed without any communication from them. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as required by the FCRA.
Product: Credit reporting or other personal consumer reports

I demand that the following items be excluded from my consumer report on the basis that is the past the statue of limitation, per Texas Law. 

XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Experian Information Solutions , IncXXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute Regarding Delayed Credit Report Investigation Dear Sir or Madam, I am writing to formally dispute the delayed handling of my credit report investigation in accordance with the Fair Credit Reporting Act ( FCRA ). As a consumer, I am entitled to accurate and timely responses to disputes regarding inaccuracies in my credit file. However, I have encountered significant delays in the resolution of my concerns. 

On [ XXXX XXXX, XXXX  ], I submitted a dispute regarding negative information on my credit report. Despite the FCRAs requirement for Experian to complete its reinvestigation and provide results within 30 days, I have yet to receive a resolution or written notice of the investigations findings as of today, [ current date ]. This constitutes a clear violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates timely processing of consumer disputes. 

The lack of timely communication and resolution has caused me considerable inconvenience and potential harm to my financial standing. To address this issue, I respectfully request : A detailed explanation for the delay in resolving my dispute. 

Immediate completion of the reinvestigation and correction of any inaccurate information in my credit report. 

Confirmation of the reinvestigation results, including what changes, if any, were made to my credit report. 

Enclosed, you will find copies of all relevant documentation, including my initial dispute letter, supporting evidence, and any subsequent correspondence for your reference. Please consider this as a formal request to expedite the resolution of this matter. 

Failure to comply with the requirements outlined in the FCRA may compel me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) or pursue other legal remedies to ensure my rights as a consumer are protected. 

I trust that Experian will take this matter seriously and address my concerns promptly. I look forward to your response within the next 30 days. 

Thank you for your immediate attention to this important matter.
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. 

Account name : Liability Court US BANKRUPTCY COURT  XXXXXXXX XXXX  Date Filed XX/XX/2020 Reference Number : XXXX has violated my rights. 

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

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

15 U.S.C. 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.
Product: Debt collection

I was not aware of this debt until I checked XXXX XXXX to find out it was in collections. Upon sending a debt validation letter, the agency sent back some release forms I do not recall signing and an itemized list of procedures performed on me. I understand this disclosure of private health information to be a violation of HIPAA.
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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account from my credit report : XXXX ( Original Creditor : FLORIDA XXXX ) XXXX Balance : {$750.00}
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding an issue that has significantly impacted my credit and living situation. My children 's father had an apartment at XXXX XXXX in XXXX XXXX, XXXX, and I was required to be on the lease as a co-signer since I would occasionally stay there. Unfortunately, the apartment had a severe mold problem, which posed health risks, especially as I was pregnant at the time and had a newborn baby. 

Despite multiple requests and reports made to the property management at XXXX XXXX to address the mold issue, no effective action was taken. We filed a XXXX motion in court to compel them to fix the problem, but they failed to do so within the stipulated time. A second XXXX motion was filed, and although they eventually attempted repairs, the mold was merely painted over and quickly reappeared. 

According to the XXXX notice, tenants were not obligated to pay rent until the issue was resolved. However, after moving out, we discovered an unpaid balance on the lease, which has adversely affected both my credit and my children 's father 's credit. This unresolved debt has created significant challenges for me in securing housing for myself and my son over the past XXXX years. 

I kindly request your guidance and support in resolving this matter, as it continues to hinder our ability to find stable housing. Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, Please completely remove me as authorized user from the XXXX XXXX credit card attached. 

Please completely remove this tradeline from Experian, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately. 
XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1700.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Each times reporting different I am not under bankruptcy Ask them to send me a copy of the information reporting and have yet to do so it's been a bout 3x I have requested it Shows up on XXXX equifax and XXXX Requested how did they obtain the information To verify and send me copies never received a letter or proof