23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX  Account Number : XXXX Inquiry JXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX Balance : {$720.00} Bankruptcy Chapter XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Bankruptcy : Dismissed XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX My husband and I drafted a letter to TranUnion outlining multiple accounts on my consumer report that are negatively affecting my credit rating. According to the Fair Credit Reporting Act, these mistake-filled accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I requested that Transunion correct my or delete personal information ( name, also known as, current and previous address, and employer ) as well as reinvestigate these accounts : XXXX XXXX XXXX : XXXX, {$210.00} XXXX XXXX : XXXX, {$300.00} XXXX  XXXX, {$1700.00} XXXX XXXX, {$410.00} XXXX XXXX, {$0.00} XXXX XXXX, {$0.00} XXXX XXXX, {$0.00} However, after receiving my letter, they stated that they dont believe that I had any part in constructing the letter that my husband and I submitted to them. This is absurd, as I am fully capable of drafting and submitting my own letter to them. My husband and I are self-taught students of our consumer rights, and we reserve the right to draft our own letters to express our rights, whether TransUnion feels we are capable of doing so or not. We drafted and submitted the letter to their agency and did not hire a third-party firm, as they have alluded to. As a result, they are refusing to investigate the accounts that I highlighted in the letter to them, which is completely ridiculous. In addition to this, each of the accounts listed in my letter meet the requirements of consumer reporting law according to the FCRA, CRSA, and Metro2 compliance standards.

According to 15 USC 1681i ( 5 ), they are supposed to delete or modify accounts that aren't reporting correctly.

15 USC 1681, Section 602 ( a ), states I have the right to privacy.

15 USC 1681, Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish an account without my express, written instructions, which I have not given.

15 USC 1681, Section 605 ( a ) : No consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-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.

In addition to the above violations, TransUnion is not in compliance with its own Metro2 credit reporting standard and has violated my rights many times over in each account. I have attached my letter to them as proof of this.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under FACRA to conduct a reasonable reinvestigation of disputed information creditreport, leaving inacurate or unverifiable accounts unresolved CFPB has recently filled lawsuit against experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adquately notify consumers of dispute outcomes.These failures align with my experience, were experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has stolen my Identity and created securities in my name with out my consent.
Product: Credit card or prepaid card

I have the Delta Reserve personal credit card from American Express, which rewards {$30000.00} in spend each year with XXXX Delta XXXX, and XXXX Delta skymiles.  As the year to date summary was saying that I spent over {$30000.00}, I requested American Express to verify this via online chat. On XX/XX/XXXX, I was assured that I had spent {$31000.00}, which was all eligible spending and would be " counted for the bonus XXXX and bonus miles ''. I had not received them on XXXX XXXX, XXXX, so inquired as to when they would be arriving. I was on that date told that I had spent {$34000.00}, and that I had qualified for the bonus. Amex keeps referencing returns, but I had no returns after XX/XX/XXXX, which should definitely have been accounted for by XXXX XXXX. 

As of XXXX, Amex is suddenly saying I only spent {$26000.00}, and after several disputes is refusing to grant me the bonus. Amex misled me into spending quite a bit of money on their card, while refusing to give me the bonus they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be updated. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
XXXX XXXX Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once.
Product: Payday loan, title loan, or personal loan

I was credit approved for a personal loan # XXXX on XX/XX/2020. Attached is an approval letter ( see Exhibit. 1 ) I have signed the promissory note on XX/XX/2020 and received the following email dated XX/XX/2020 ( see Exhibit. 2 ) stating that the loan funds have been transferred directly into your bank account on XX/XX/2020 ; however, this later turned out to be incorrect as per a letter dated XX/XX/2020 ( in the attached Exhibit.2 ). Per that letter, HSBC has decided to deny the loan based on " documents provided are not acceptable to verify your income ''. Up to this date, I have requested a copy of the executed promissory note and executed loan contract related to this loan for my own personal records ; however, HSBC denies providing me with such copies.
Product: Mortgage

On XX/XX/2021 I prepayed {$20000.00} on the principal of my home mortgage as allowed in my mortgage contract with the Fith Third bank in XXXX. My mortgage was current and i had made the XXXX payment on XX/XX/2021 so I had no mortgage payments due.. On XX/XX/XXXX I checked my statement and observed only {$18000.00} had been applied to the principle. Upon investigation I found that Fifth Third had taken the non due XXXX and XXXX mortgage payments XXXX which included escrow and interest ) out reducing the amount available for principle paydown. When I inquired of the bank CSR and Branch Manager they told me it was Fifth Thirds policy and they would not remove them. That was the only explanation they gave me. I believe this unfair and it effects the benefit I get by prepaying my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was trying to purchase a car. I was given a pre-approval from a credit union with a good rate however, when I when they attempted to pull my credit report from Equifax nothing was provided. I called Equifax and was told there is no fraud issues and the dealer should be able to proceed. As of today I am still unable to access my Equifax Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions, once successful, I have tried contacting Equifax about my credit score. My score was over 700+ and took a serious dive when false information was reported. I immediately after filed a dispute, and the information was removed. However, my score never recovered the score it had at the time prior to its decline. The low score remained.

Another issue is whenever my score climbs a little, then it drops significantly again, all while my usage, and non late payment stay intact. My score is constantly pushed down to the 600 level. Is this based on race, socioeconomic status or something else? I'm not sure.

My credit utilization remain under 4 %, never over 35 % and no late payments for the past year+. I was told that other factors contribute to my declining score, but they failed to show what those factors are. I have not moved in past 13 years and my student loans are current, I make timely payments and keep my usage low. What other factors could influence keeping my score below a 700 level? I understand that credit don't just jump, but how do you explain my score rising over 700 and continue to fluctuate when I have managed maintaining a great credit profile.

I have tried submitting a dispute online, but is never able to due to being rerouted to paying a fee for services. I did pay a fee once after told I had to look purchase my credit score to address inaccuracies. They still have not fix the problem. What can I do? I am all out of options and don't know if I can pursue this legally.
Product: Student loan

On XX/XX/2022 I reviewed my consumer reports and noticed 5 accounts being reported by Navient. Each account is reporting inaccurately. I mailed Navient a certified letter via USPS ( tracking number XXXX ) which they received XX/XX/2022 ; making them aware I did not agree with the amounts of the alleged debt they are furnishing to consumer reporting agencies. I requested all documentation that proves their claim is valid, including how the amount was calculated. In my letter to Navient, I included a copy of my North Carolina Identification card and Social Security card. I have attached a copy of that letter here.
Product: Credit reporting or other personal consumer reports

well. I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous seven attempts, I regret to inform you that these items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.Please help me remove these fraud items immediately : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that late payments on my account be validated for XXXX XXXX account # XXXX and XXXX account # XXXX and XXXX XXXX XXXX XXXXK account XXXX XXXX this is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute of the validity of the reported late payment from my credit file your bureau provided me. to be more specific, based on FCRA 611 ( a ) ( 7 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute. After contacting the creditor i have been led to believe that THIS did not take place. this is a clear violation of the FCRA and the FCBA. You DO UNDERSTAND that per your own definition of it, YOUR VERIFICATION process, that is, e-OSCAR, is a web-based, METRO 2 COMPLIANT, automated system. Undoubtedly this cements the DUTY to present to me writ composed physical evidence for every single one of the aspects to the proper XXXX enacted XXXX implemented Metro 2 data field formatted COMPLIANCE regulations and the standards of reporting practices as related to it. I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. I demand that you take action to correct your errors I request that you provide me with written documentation of how and what means you used to verify these payments. Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. Should you feel, ERRONEOUSLY so, that the mis-information is adequately and COMPLET
Product: Debt collection

XX/XX/31 I only knew this was on my credit report due to getting my credit report pulled by a mortgage XXXX XXXX nor this debt company never sent out a letter, they claimed they texted me I received no texts, no calls they claim they dont leave messages, so if they dont leave messages. 

They claimed they told me it wouldn't go to collections in this letter I did not receive which was the wrong address, it was not by certified mail, so it never arrived to me They are refusing to delete this as they claim they can not even though I had no rights to dispute anything or even knew this debt was owed. They did not reach otu to try to resolve this as they left no messages and I received no texts, XXXX can pull my text records if need be but I hope it does not get this far
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/scrub>XXXX   - {$4700.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

XX/XX/XXXX Nationstar accepted the amount of {$170000.00} from me. 

XX/XX/XXXX, Nationstar refused to credit the full amount of interest collected from me and held {$14.00} of interest collected in a suspense account where it remains as of today XX/XX/XXXX, holding the loan open with XXXX XXXX as the current owner, 8 years after the loan was overpaid to Nationstar. See attached XX/XX/XXXX, Nationstar refused to credit my payment to them for lenders fees of over {$1900.00} and still holds the amount uncredited in a suspense account, without any proof of services these fees were originally collected for, leaving my loan open, and under paid. See attached. 

XX/XX/XXXX Nationstar over charged me for late fees collecting {$2800.00} when I only owed {$1500.00}, and made an inaccurate payment allocation of {$11000.00} that causes the appearance that I was late for 196 months. See attached. 

This conduct caused 6 years of repeated reporting that I was currently 120 days or more past due, repeatedly claiming I was under a partial payment agreement, with Nationstar as of today claiming their outside counsel will not allow for the suspense account to be emptied and amounts credited to what they were charged for. 

After 8 years, I can not apply for a residential loan because I can not explain why Nationstar claims I had XXXX current payments on an XX/XX/XXXX Verification of Mortgage, nor can I explain why a suspense account is still existing, nor why the company refuses to fully credit my final over payment to the company accepted XX/XX/XXXX. 

I sent a notice of error XX/XX/XXXX to which I have received no response. 

I filed a complaint in XX/XX/XXXX with your agency and the attorney just emailed an account history proving my claims above without any correction at all. 

I sent a request for closure of the suspense account and inaccurate payment allocation of {$11000.00} to late fees in lines XXXX and under credit of interest paid in line XXXX XXXX XX/XX/XXXX and have received no response. 

I have asked twice for proof of services for the uncredited payments for unearned fees held in suspense in lines XXXX and the company has provided me with no proof of any services or nor have I received a certified copy of the checks claimed to have paid over {$1800.00} in non descript advances in XXXX This conduct violates 12 USC 2605 but 15 USC 1639 ( f ). As of today, I am not able to find relief in corrections that the law states no servicer shall refuse to correct.
Product: Student loan

I was told the remainder of the loans can be forgiven but I have no information on starting that process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind that. I knew my credit was good and there was no way. I then pulled my credit report on my own and saw a outrageous list of accounts that do belong to me. I have never seen these accounts please delete these accounts from my report. 

US DEP ED XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX  XXXX {$940.00} XXXX  XXXX {$120.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX  XXXX {$290.00} XXXX XXXX XXXX    XXXX {$100.00} DPT EDXXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX  XXXX {$22000.00} XXXX XXXX XXXX {$22.00} XXXX, XXXX XXXX {$640.00} XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00}