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

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute several inaccurate items on my credit report. After reviewing my credit report, I have identified several negative items that are harming my credit score. The following items are incorrect and must be deleted from my report immediately : XXXX XXXX  Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. According to the Fair Credit Reporting Act ( FCRA ), you are required to update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX - This is not my name. According to the FCRA, you must delete it immediately from my report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX # XXXX XXXX, WI XXXX XX/XX/XXXX - This address is not correct. According to the FCRA, you must delete it immediately from my report. 

The following personal information is incorrect Account Number : po box XXXX XXXX, IL XXXX XX/XX/XXXX - This address is not correct. According to the FCRA, you must delete it immediately from my report. 

XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. According to the FCRA, you are required to update this account and delete the inaccurate information immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that you remove it from my report immediately. According to the FCRA, you are required to investigate and verify the accuracy of this inquiry. 

I request that you investigate these items and take action to correct the inaccuracies on my credit report. I expect a prompt response from you within 30 days of receiving this letter. 

Thank you for your attention to this matter. 

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

In XXXX I was informed by XXXX XXXX XXXX XXXX I was involved in a large data breach where my account and personal information were compromised. In XX/XX/XXXX I reviewed my credit report I noticed several fraudulent accounts I believe to be from this breach. I would like the incorrect documented information on my credit report removed immediately.Thank You.
Product: Debt collection

I XXXX XXXX have been receiving notices to collect a debt that has long passed the time limitation to enforce in the Commonwealth of Massachusetts. The collection letter itself states that the account is too old to take a court action. The credit trade line has already been removed from my credit reports across the board. So why is a national collection agency still in possession of my personal information? I demand that my personal information be purged by Portfolio Recovery Associates. The Federal Trade Commission needs to take action against this egregious action procured by the debt collector. I demand a letter stating that my file has been purged. I have attached copies of FTC actions against debt collectors in the past for doing this type of illegal activity. PRA needs to purge my file permanently!
Product: Credit reporting, credit repair services, or other personal consumer reports

Per new credit law on XXXX XXXX, 2017 ; all public records that are missing or have invalid information would be removed and mine has not yet. Chapter XXXX Bankruptcy is still reporting on XXXX inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 Federal Trade Commission Number : XXXX Re : Unauthorized Credit Inquiries To Whom It May Concern, I recently received a copy of my credit report. The credit report showed multiply credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

Balance transfer payment of {$7000.00} from XXXX  to Barclays/JetBlue XXXX canceled and payment returned to XXXX  but transaction of official check posted twice each for {$7000.00} on Barclays/JetBlue XXXX account XXXX
Product: Credit reporting or other personal consumer reports

I'm submitting my complaint about the information that Experian has on my consumer fileXXXX XXXX XXXX XXXX is showing on my consumer file as {$29000.00}. When I contact Experian about this amount showing on my consumer file I get " been verified ''. I'm submitting the disclosure that was provided to me by XXXX XXXX XXXX XXXX and Experian isn't listed. According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons; According to consumer law under exclusions my information should not be shared. XXXX XXXX XXXX XXXX never stated in their diclosures that any information would be shared with Experian, 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

I am filing this complaint on my own behalf. After reviewing my credit record, I came across late payments that are erroneous. Despite sending letters more than 30 days ago, I have not received any response, nor have they provided satisfactory validation. I kindly seek your assistance in resolving this matter promptly.
Product: Student loan

I am trying to get the Department of education to do a complete audit on my student loan all the way back to 1995. I did default on my loans and they took my taxes a couple of times. Which included my earned income credit for my children. I was told they were not allowed to take it but they did. I then came forward and started working with the student loans and making payments. When they took my taxes the balance never went down oddly enough. Funny I only get a {$330.00} student loan intrest credit but they said that taxes was all intrest hmmm. Then after I started the payment process I saw the loans going down. Sometimes I would get deferments ect when I would get laid off. I noticed that when my loans would be bought by other companies the loan price went back up to {$18000.00}. I want this investigated even XXXX bought it at high amount. I feel I have been duped and these loans should have been paid ages ago. I still have a {$2400.00} balance and I believe they took my taxes in XXXX, XXXX. Department of Ed says it cant do a complete audit through all the purchasers and the federal taxes being taken they cant get that info. I feel they owe me a bunch of money back. How do I get them to do an audit. What they sent me was Navient payments heck I could have done that.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer Error : The account was transferred and any late payments recorded after this date should not have been reported. The transition period led to miscommunication between the loan servicers, which resulted in an erroneous 120-day late mark.

Payment Processing Delays : During the transition, my payments were processed and made on time, but due to internal delays between the servicer and XXXX, the payment was not recorded promptly, resulting in the false reporting of a delinquency. 
Systematic Error in Reporting : Despite the account being closed and transferred, the late payment was still reported for several months. This reporting error persisted even though no payments were missed, and all balances were settled before the transfer. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Mortgage

In Reference to Complaint XXXX The response provided to me and you the CFPB by my mortgage company RightPath Mortgage is inaccurate at best and at worst just a Flat out Lie being given by them to avoid taking responsibility for their poor actions toward me the consumer. When I complained that they caused me to lose my modification plan with more favorable terms by not making provisions for me to make payments on it on time, they said they have no record of me ever calling in to even try to make a payment on my original Trial Plan. That is completely FALSE. 

They would never accept or allow me to make a trial payment on the modification given by the prior servicer in spite of my making numerous calls to attempt to make the payment... I was repeatedly told they have no record of the modification and no way in their system to process the payment and told me to just wait until my complete file has been transferred over. This began in XX/XX/2022 when the first payment was due and continued. On XX/XX/2022, I emailed the Modification Assistance department about the problem but NEVER got a response from them at All ... nor did they make the adjustments to give me the ability to start paying. Below is a copy of the email that I sent proving that I contacted them complaining that I was trying to pay but could NOT due to their system 's inability to accept my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a issue with XXXX and transunion refusing to remove false late payments and false debt amounts. I have disputed the item several times. I have disputed items so much Im blocked from disputing the item. They are in direct violation of 15 U.S. code 1681b permissible purpose of consumer reports. I didnt not give anyone written instruction to furnish a report on me. I was told they didnt need my permission, which is false Second violation 15 U.S. code 1603g the consumer is the creditor, thats me so why are they reporting fraudulent debt. 42 U.S code 408 asking for a social security number on any credit transactions or loan because there is no lawful money is a crime. Clearly these company are violating all the consumer laws and reporting fraud. All debts are obligations of United States 18 U.S code 8
Product: Credit reporting or other personal consumer reports

The unverified accounts 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 accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance Owed : {$540.00} ; XX/XX/Balance Owed : {$4000.00} ; XX/XX/XXXXXXXX  Balance Owed : {$1800.00} ; XX/XX/XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX  Balance Owed : {$1800.00} ;XX/XX/XXXXXXXX XXXX       Balance Owed : {$3200.00} ; XX/XX/XX/XX/Balance Owed : {$1700.00} ; XXXX XXXX   Balance Owed : {$3300.00} ; XXXX XXXX   Balance Owed : {$2500.00} ; XXXX XXXX   Balance Owed : {$1800.00} ; XXXX XXXX   Balance Owed : {$2500.00} ; XX/XX/50000XXXX Balance Owed : {$1800.00} ; XXXX XXXXXX/XX/XXXXBalance Owed : {$2500.00} ;XX/XX/XXXXXXXX XXXX  Balance Owed : {$4200.00} ;XX/XX/XXXXXXXX XXXX   Balance Owed : {$2500.00} ; XX/XX/XXXX Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX  Balance Owed : {$1800.00} ;XX/XX/XXXXXXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$3300.00} ;XX/XX/ XXXX Balance Owed : {$2500.00} ; XXXX XXXX  Balance Owed : {$1800.00} ;XX/XX/ XXXX Balance Owed : {$2500.00} ; XX/XX/ XXXX  Balance Owed : {$4200.00}.
Product: Payday loan

I paid the loan off it was {$7500.00}, now they are charging {$7500.00} in interest fees.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/year> Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XX/XX/year> Company : XXXX - XXXX XXXX Address : XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

As of today the collection is still showing on my XXXX report as open and active. I contacted XXXX and they said they have not received anything from the collection agency that the debt was reported to them on XX/XX/XXXX as open. I have attached the proof of documents.
Product: Mortgage

History : We are currently involved in a residential mortgage situation that began with refinancing both our residential property as well as a rental home with XXXX XX/XX/XXXX with a three year ARM. XX/XX/XXXX XXXX was purchased by XXXX XXXX XXXX and our servicing agent changed. Our payment went to the old servicing agent 's address and was sent back to us. The new serving agent began adding late payment fees and would not accept our payment, telling us that we were already in the foreclosure process. We felt that we had no choice but to file Chapter XXXX XX/XX/XXXX to stop the foreclosure process and protect our home and rental property. We had our case dismissed XX/XX/XXXX. When we received our first communication from the servicer after dismissing our case, we realized that the servicer failed to adjust our interest rate on both properties in XX/XX/XXXX, and that the XXXX index rates had actually gone down which would have significantly decreased our payments prior to our decision to file Chapter XXXX. Had we known this it might have affected our decision. In addition, the servicer failed to adjust our rate every year after that, and again, the rates have fallen each year. After numerous inquiries, the servicer made the first ARM adjustment in XXXX XXXX and even that interest rate was calculated incorrectly. We filed a complaint with CFPB in XX/XX/XXXX for our personal residence ( Case # XXXX ) and our rental property ( XXXX ). The servicer for our residential property admitted to the interest rate calculation error in their response to our CFPB complaint. 

Current Complaint : The servicer for our rental property ( Select Portfolio Servicing ( SPS ) ) has not corrected the interest rate calculation error or responded to our CFPB dispute of their response. In addition they have not advanced their foreclosure case since their original court filing. Through our legal counsel in XXXX XXXX we submitted information required for the HAMP program even though we have never qualified for any of the HAMP programs. SPS offered us a trial modification program using an incorrect loan balance and interest rate. We are requesting that our XXXX loan balance be correctly calculated. 

Thank you for time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Credit Acceptance reported my account to all 3 credit reporting agencies as delinquent pays 30-60 days late when in fact they have been receiving regular Monthly payments! 

Called on XX/XX/2020 spoke with a XXXX and was informed that they reported my account as delinquent because the balance of my loan had reached its maturity date. I never received any information that American Credit Acceptance would ruin my credit rating if my account was not paid in full by the maturity date, especially considering I have been making regular payments. I currently owe a balance of less than {$500.00} It should not be fair for a creditor to be able to report to the 3 credit reporting agencies that an account is " delinquent '' when that creditor is in fact still receiving Monthly payments! Showing an account as delinquent implies that there have been no payments toward the balance at all. 

This issue has caused me to be denied a loan for a mortgage due to the delinquency info being posted to my credit report just as my loan was going to underwriting!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act in regards to Account # XXXX XXXX XXXX XXXX, XXXXXXXX XXXX has violated my rights in regards to the following laws : 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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b. States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 ( a ) ( d ) ( 1 ) ( 2 ) States : Definitions and exclusions.
Product: Credit reporting or other personal consumer reports

XXXX helped score went up. Found in amending a list of people that were found in credit report. Even I was not expecting this. A list in about XXXX years altering ID. Wasnt expecting this. They did an excellent job. The other XXXX were not helpful. However also writing this because they said that they trans union XXXX  could not verify my identity. Bank said leave it as is for now. Likely because of the list of individuals found in my account with my personal information. 

However background checks for housing there should not be a single item on my record I was just referred from XXXX here. If it is the correct place no a lot of accusations etc has gone on towards me. I just received the email. It generally has been the opposite I tried to stop others actions without threatening. However credentialed people were listed on credit report dark web same as breaches generally mixing of multiple people in my medical, possibly criminal not major but allegations unfounded are likely prominent. If already submitted ignore this. However I have been taken to court usually on my own for personal reasons but this list is telling me that housing criminal allegations may be present. XXXX just sent me an email again tonight so no it shows on credit report who ( some ) and present housing no exception, however the individuals and some not listed are doing a good job making a big mess. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I did not know that Equifax got hacked in XX/XX/2017 and never received notification in the mail as they stated they were going to notify everyone affected. 
My homeowners insurance is coming up for renewal and they can not renew it because Equifax put a flag on my account when it got hacked stating Potential Fraud. 
Equifax refused to remove this even though I gave them PLENTY of personal information that would prove that I was who I was in able to get the flag removed. 
I am not able to aquire homeowners insurance because a Company that I DID NOT GIVE PERMISSION to receive and store my personal information let it be stolen. 
They stated that my NAME, SOCIAL SECURITY NUMBER, BIRTHDATE, ADDRESS, WORK HISTORY and everything else they collect got stolen. 
*I WANT A NEW SOCIAL SECURITY NUMBER XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX