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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX  XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I needed an extension given I am filing a lawsuit against XXXX XXXX, member of XXXX XXXX XXXX XXXX, XXXX for causing financial harm to the Company. 

In order to sell the property a Judge has to grant me permission to be able to sign all documents on my own and without the need of XXXX XXXX given her fraudulent activity against the Company, which is why I am requesting an extension of an additional 18 months for this loan. 

Below I have the attorney client agreement I have signed with my attorney which will be filing suit against XXXX XXXX and requesting I be in full control over XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX and that I be allowed to sell said property on my own also since I was the only personal guarantee for the loan on this property. 

Please consider this and I am asking that you provide me with an extension for an additional 18 months past the initial 18 month terms. 

Thanks. 

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

Experian consumer report for myself reflects the wrong social security number. NOT MY SOCIAL SECURITY NUMBER. Experian told me that in order to change my social security number to the correct social security number I have to contact XXXX XXXX XXXX who have already disputed the debt that they are saying is mine through Experian and through the consumer finance protection Bureau. It is not my debt. It is not my social security number. And Experian tells me that in order for them to change my social security number to reflect the correct identity of me I have to have XXXXXXXX XXXX XXXXXXXX correct my social security number they are allowing a third party debt collection agency govern if my social security number is correct. And it is not my debt so that they got the wrong social security number and Experian is reflecting that under my account onto my consumer report and it is affecting me severely
Product: Debt collection

Convergent has infringed upon my rights to privacy as a consumer and they are in violation of the following sections of the Fair Debt Collection Practices Act. 
1. 1692b ( 2 ) 2. 1692 ( a ) 3. 1692b ( 5 ) 4. 1692d 5. 1692 ( d ) 2 6. 1692g ( c ) 7. 1692 ( 14 ) 8. 1692c ( a ) ( 1 ) 9. 1692c ( a ) ( 3 ) 10. 1692e ( 2 ) ( A )
Product: Student loan

Loans were taken out in my name fraudulently by XXXX / XXXX between XX/XX/XXXX - XX/XX/XXXX. These include federal, private and military loans. I have tried to combat that, and the issue is n't moving. My loans were listed XX/XX/XXXX and ALL subsequent law suits against the school. Navient was to place them all in deferment/forbearance and never did. They sent confirmations that it had been done, but took my tax refunds and continued collections. I did get the USDOE email confirmation that the loans would be discharged, and it has n't been done. Because the school took XXXX+ loans in my name, Many with no signature, I ca n't get approved for anything.
Product: Credit reporting or other personal consumer reports

Experian informed me that they will not allow me to dispute personal information on their website. The online fee-based site discloses this policy and forces me to initiate this dispute via phone or letter. 

Several employees including a XXXX notified me that they will not investigate an item that is legally required to be investigated by them. ( FCRA Sect 611 ) I sent Experian a certified letter on XX/XX/2023, notifying them that they have listed inaccurate information which needs to be immediately removed. I am deeply concerned about identity theft and need this information corrected. My request for an investigation contained copies of my drivers license, social security card and a utility bill confirming my identity. I was previously informed to send this information, which XXXX Postal service has confirmed they received. 

In my letter and during my calls to Experian, I specifically asked them to remove all names, addresses, employment and phone numbers which are inaccurate. I provided them with the correct information. 

Experian has failed to conduct a reasonable independent investigation and will not update my name to reflect my full legal name, XXXX XXXX XXXX even though they have the legal documents to correct this information. They have insisted on keeping an unknown, illegal name on my credit file, with no legal basis or documents to justify this. They have placed my personal identity at risk, opening a door for scammers to use my information. 

I was informed by the dispute and fraud teams that they will not follow the FCRA XXXX, specifically, FCRA 611 ( 15 U.S.C. 1681I ) and investigate due to inaccuracy. Experian has violated the law and my rights by maintaining inaccurate personal information on my credit report, subjecting me to identity theft. 

I demand that they remove the name XXXX XXXX from my file because it is not my legal name and the documents they have support the correct legal name, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX, XXXX XXXX of XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Company never provided proof of debt ownership that was request XX/XX/year>
Product: Credit reporting or other personal consumer reports

This is a response to complaint XXXX ( Ive attached your reply ). 

If I understand correctly, you removed all fraudulent information on XX/XX/year>. However, as of today ( XX/XX/year> ), Experian has again declined my dispute to remove this fraudulent account, stating that the bank confirmed it as legitimate. 

Could you please ensure that Experian is contacted and this account is permanently removed? Ive been dealing with this issue for 800 days and every time your response Please wait for 60 days doesnt work.
Product: Student loan

I am writing in to the CFPB in regards to my Federal loans I have through Fedloan Servicing. I currently owe {$48000.00}. I feel the information that was given to me by several agents at Fedloan Servicing was invalid, and deceiving. This is in direct violation of UDAAP and I have been deceived into consolidating my student loans for a lower monthly payment, doing a low income payment plan to lower my monthly payments to something that is more affordable and manageable for somebody with my income which is roughly $ XXXX-XXXX. In which case my monthly payment increased and are higher that what I would have been originally paying my monthly payment before I consolidated my student loans was about $ XXXX, now I am paying double {$410.00}. The agents told me by applying for a Income Pay as you go Payment plan would lower my monthly payment and consolidating my loans would do so as well. This information is not correct and very misleading. The information I was provided by several agents several calls that I have made since XXXX XXXX to current date XXXX XXXX. I have had to use my forbearance to weight for them to process my information only to have my payment increase rather than what I was communicated. Being in the financial industry and knowing about student loan debt, banking practices amongst other financial institutions this is something I felt would fall under UDAAP and something I would like the CFPB to look further into so college graduates like myself do n't have to go through this experience. If I had known that applying for this payment plan and consolidating my loans would cause my payment to increase I would have never done it to begin with. When I had applied for my repayment plan to decrease and lower my monthly payments I was told I would have to use my XXXX taxes. Being married and filing joint taxes my husbands income would be taken into account. Even though he does not have student loan debt and is not helping me pay back my student loans. Given his income is greater than mine this caused my monthly payments to be higher than what I would have been approved at on my own. So I applied for income sensitive repayment plan because I could not afford a monthly payment over {$400.00}. In which case I was rejected due to that fact that I was already in another payment plan that would last 12 months. Now I am financial hardship trying to figure out how to pay this amount without using my husbands income to help me. I feel all the information I was provided by several agents was misleading, incorrect and deceiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the inaccuracies that are present on my consumer report regarding my student loan accounts. I have identified several discrepancies and I am requesting that they be corrected immediately. 

The first issue is with the account labeled U S DEPT OF EDXXXX. According to my XXXX consumer report, this account was opened on XX/XX/XXXX. However, I can assure you that I was not in school at that time. My records indicate that my last enrollment in school was in XX/XX/XXXX. Therefore, this information is inaccurate and I request that it be corrected. 

The second issue is with the account labeled DEPT OF ED / XXXX. This account is well over 7 years old and I would like it to be removed/deleted from my consumer report.

Finally, the third issue is with the account labeled US DEPARTMENT OF EDU and how it is being reported by Equifax. Equifax is reporting that I have missed XXXX payments, which is giving me a XXXX XXXX payment history. This is completely inaccurate and is only being reported by Equifax and not the other bureaus. This inaccuracies is truly affecting my credit worthiness and is a clear violation of the FCRA 15 USC 1681a 3, 15 USC 1602p, 15 USC 1692j, 15 USC 1681 ( a ) ( 2 ) ( b ), 15 USC 1681b, 15 USC 1681s-2 ( a ) ( 1 ) ( e ) ( ii ). 

I request that these inaccuracies be corrected immediately and that appropriate action be taken to ensure that they do not occur in the future. I would appreciate a response to this letter as soon as possible. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX proof that I cured the bankruptcy with Chase in XXXX. Attached. I filed bankruptcy in XXXX. Chase is erroneously indicating on my credit report that the debt was included in Chapter XXXX Bankruptcy on XX/XX/XXXX. 

I filed bankruptcy in XXXX. My credit report should exclude bankruptcy since I am in a Chapter XXXX in 7 years. The bankruptcy should be removed in XXXX but it is still on my report and they indicate it will stay reporting until XXXX which is 13 years after I declared bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX 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 year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

A membership was purchased under the pretense that we could cancel at any time. After three months of paying on time I decided that the membership was no longer useful and notified them in writing which they requested that I would be canceling it. After several months they send a letter saying I still owe a balance and it would be turned over as a debt if I didn't pay said amount.
Product: Mortgage

On XX/XX/XXXX, I noticed that my mortgage with Wells Fargo Home Mortgage was transferred on XXXX and I was not notified, despite the fact that the law states the old and new servicer 's must notify about the transfer of my servicing rights no less than 15 days before the effective date of transfer. 
I called Wells Fargo Home Mortgage and was eventually transferred to a XXXX XXXX at XXXX XXXX  ( Eastern Time ) after I threatened legal recourse. He said XXXX XXXX is the owner of the loan, and it is a common for loans to be service transferred. The terms of the loan will not change and a notification was sent on XX/XX/XXXX, by mail. 
I never received any notification by mail from Wells Fargo Mortgage on the transfer and I have not received anything from the new servicing company " XXXX XXXX XXXX  '' that was mentioned by a Wells Fargo Loan Specialist XXXX ( XXXX ) at XXXX Eastern time. XXXX promised to send another notification by email.
Product: Credit reporting or other personal consumer reports

TransUnion for Illegal Rental Background Check and Credit Reporting Practices I submitted a complaint In reference XXXX apartments rental history report which was inaccurate. Transunion and XXXX company obtained eviction records also failed to identify where records come from and was told that records were taken only from the jurisdictions where the proceedings took place. I have had several issues trying to find a place to live did not know it was a third-party vendor I needed to contact to correct inaccurate information. They refuse to correct the issue
Product: Mortgage

the company that gave me the home loan. made all the payments on time and they made me a late payment. which is seriously affecting my credit. I contacted them and they still haven't given me a response or removed that late payment from my credit. please help me with this. 
-15usc.1666b law
Product: Credit reporting or other personal consumer reports

I noticed on my credit reports that Absolute is reporting this old account as still in collection XXXX, in which it is not. There is no more collection on this account, so why is it still reporting as a collections? That's incorrect and needs to show a XXXX  balance. Absolute Resolutions closed this account so there is no further collection.
Product: Credit card

I applied for a XXXX XXXX card online on XXXX website in early XXXX. Then I received a card ending XXXX in onXXXX week without knowing that Barclays bank billed me {$15.00} for mailing the card. If I would know that I would not accept the card. However, I did not even activate the card and threw away the card in trash. I found out I have a bill of total {$100.00} and called customer care talked to XXXX XXXX as XXXX VP of customer care operation on XX/XX/23 for the above past due amount. I requested to mail me all paper statements which were never mailed to me. I received the billing statement and asked if bank would waive all fees and interest for total {$88.00}, he said it was not a purchase, could not waive fees and interest. 

I have never heard any bank would charge mailing fee for sending a credit card. 
I don't have full credit card number, only have account ending number XXXX on the billing statement.
Product: Credit card

Bank of America took {$4700.00} out of my personal checking account today without my authorization. I called to get information as well as get my money back, they told me it was for an unpaid business credit card I opened in 2014. I told them I never opened a business or personal credit card with them and to put the money back into my account and conduct an investigation. They told me they will conduct an investigation in XXXX to 90 days and will not give me my money back until the investigation is complete. I feel helpless and I do n't know what to do. Please help.
Product: Money transfer, virtual currency, or money service

I havent gotten my pay check cant make transfers and my company did say they sent my money directly to capital one! Then they didnt say anything til Thursday night in a email that said they would fix it by Friday morning at XXXX XXXX and here it is the end of the day and I still can no longer access my funds nor can I make any transactions or transfers and they arent answering their phone anymore as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens Bank requested a hard Credit Inquiry without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

I took sick in XXXX of 2021 and had to go to the emergency room twice. I do not have insurance at the time so I had over XXXX in medical bills. I applied for financial assistance through the hospital and was approved for assistance. 
I then sent copies to the different companies that were trying to collect money for the bills as well. My debt is paid but they will not remove them from my credit report because " charity '' paid the bill. This has caused my credit score to drop over XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute of XXXX XXXX  XXXX Account XXXX, XXXX XXXX XXXX On XXXX, XXXX XXXX XXXX  on Equifax, XXXX XXXX  XXXX. on XXXX. 

I am writing to dispute the account information related to my XXXX XXXX XXXX account, as it contains inaccuracies and discrepancies. The account details provided by your credit reporting agency do not align with the payment history and status of the account accurately. I request a thorough investigation and correction of the following discrepancies. 

XXXX : The information provided by XXXX states that the first payment on the XXXX XXXX XXXX  account was made in XX/XX/XXXX. However, my records indicate that the first payment was made in XX/XX/XXXX, followed by clean payments until XX/XX/XXXX. According to your report, a 30-day late payment and a CLS ( closed ) status are indicated for XX/XX/XXXX. This is inconsistent with my payment history. 

Equifax : The information provided by Equifax indicates that the first payment on the XXXX XXXX XXXX account was made in XX/XX/XXXX. However, this is incorrect. The actual first payment was made in XX/XX/XXXX, and clean payments were made thereafter. The report shows XXXX consecutive XXXX late payments for XXXX and XXXX, which is inaccurate. My payment history reflects a single XXXX late payment during that period. Furthermore, the report indicates clean payments until XX/XX/XXXX, which does not align with the accurate payment history. 

XXXX : According to XXXX 's information, the first payment on the XXXX XXXX XXXX account was made in XX/XX/XXXX, followed by clean payments. However, the report shows no information beyond XX/XX/XXXX. This is incorrect according Equifax which has my payments all the way until XXXX of XXXX, It gets confusing, and there are missing updates regarding the account status. 

I kindly request that you conduct a comprehensive investigation into these discrepancies and rectify the inaccurate information on my credit report accordingly. Please provide me with a written confirmation of the investigation results and any corrections made to the account information. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX : {$68.00} ; XXXX XXXX XXXX XXXX : {$26.00} ; XXXX  XXXX XXXX XXXX : {$36.00} ; XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX : {$470.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$450.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$880.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; DEPT OF EDXXXX ; XXXX XX/XX/XXXX.