23daVinci/CFPB_Complaints huggingface dataset:
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 : ( XXXX ) # XXXX, Account name : ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ) # XXXX, Account name : ( XXXX XXXX XXXX ( Original CreXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, Account name : ( XXXX XXXX XXXX XXXX ) # XXXX, Account name : ( XXXX  ) # XXXX, Account name : ( XXXX  ) # XXXX, Account name : ( XXXX ) # XXXX has violated my rights XXXX 

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

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX 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
Product: Debt collection

I have received 2 judgments along with garnishments against my paycheck on both of them. These were both XXXX Bank credit Cards that went into collection XX/XX/2006. That is 10 years and 10 months ago. That would be 4 years 10 months past the State of Oregon 's Statute of Limitations on Collection Lawsuits. I called them to ask why they are garnishing my wages almost 11 years later, and I was told that would be giving legal advice! I now find myself unable to sustain monthly payments on my families utilities & falling behind across the board due to the flagrant and apparently illegal actions of this unethical collection / attorney firm. I cant afford to pay another attorney to stop the illegal garnishments and Statute of Limitations complete disregard.
Product: Checking or savings account

I have been a chase bank customer for at least 2 years. I had 2 accounts at first, one checking and one savings account for my younger son. I stopped using my chase checking account recently and they closed it. Which was no problem. I decided I wanted to open a new checking account with chase and did so online. I set up my direct deposit from my employer to go that new account. I opened this account in early XXXX of this year. Two days before my first check was suppose to be deposited, chase sent me a text saying to call them and that my accounts were at risk of being closed if I didnt contact them. So I went to a branch in person. A banker sat down with me and called someone as they were confused on why my accounts were being closed also. And we got no where. I was told my accounts were being closed and the money did get deposited and I can not pull it out of the account. They told me I would just have to wait until they mail a paper check. Were going on XXXX weeks now with nothing from them. Not even a letter explaining why my accounts were closed, as they promised that also. So now Im without that pay check and just waiting.
Product: Credit reporting or other personal consumer reports

My person information is being inaccurately report on my credit report. My name is spelled wrong my address isnt up to date. These agencies are knowing reporting wrong information that is hindering my credit score. 
Accounts are not being reported in accurate standing. XXXX XXXX is falsely reporting payment dates that havent been made by me. In order to keep this delinquent account report. 
XXXX is report false information about a closed account still being reported to agencies. 
XXXX is falsely report an account that has been closed in after being paid. 
XXXX XXXX XXXX XXXX XXXX is falsely reporting to agencies inaccurate information.
Product: Credit reporting or other personal consumer reports

I AM making a goodwill attempt to have you clear up my late payment record. If you are able to execute a goodwill adjustment, I can continue building my credit score & remain in good standing with your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXXXXXX Balance : {$3200.00}
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Please note that I have made multiple attempts to work with TransUnion in removing the erroneous reporting of a Dismissed Bankruptcy from my credit report. Based on the reported information from TransUnion, they stated a 3rd party company named XXXX provided the information. Maryland federal courts do not provide information related to public records to 3rd party  companies like XXXX XXXX or any other for that matter that TransUnion stated provided the information. 

The following are the dates that I attempted to dispute the reported information. 

XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Experian on my last complaint : See complaint XXXX : " We sent a copy of the Experian credit report on XX/XX/2019 based upon the original request, but we are in the process of mailing another Experian free credit report on XX/XX/2019. Because Experian has met its obligations under the FCRA, we must respectfully deny your request for compensation at this time. " -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Too bad, Experian failed again. This makes 3 times failure! 
Strike 1 - returned my letter unopened, Strike 2. Failed to mail credit report of XX/XX/2019. 
Strike 3. Fail to mail credit report of XX/XX/2019. 

I suggest you use a different mail system, such as XXXX or XXXX. However XXXX  and XXXX  have been successful with mailings to me the regular way along with the IRS. 
In good conscience you should also reimburse my mailing cost of XXXX XXXX denied because you falsely stated you mailed my credit report on XX/XX/XXXX.
Product: Debt collection

I just noticed that there is a charge from a collections group that I have no knowledge of. I need this removed immediately. Also this debt collector has no authority legally to even give information to the credit burea with out my consent. This would be an invade of privacy and certainly against the law. Now I ask this gets removed immediately because I have zero knowledge of this account.

15 U.S. Code 1681- Congressional findings and statement of purpose *There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. *
Product: Credit card

On XXXX XXXX, 2016 I ordered -item number XXXX smart phone from XXXX. Paid {$680.00}. 
I received it on XXXX XXXX, 2016 at XXXX. 
Delivered by XXXX On XXXX XXXX, 2016 ( Sunday ) I was charging my phone as usual ; I tried to turn the phone on and it would not activate. The phone felt hot to the touch, so I unplugged it. 
I then on XXXX called Home Shopping Network ( HSN ) to see what could be done ; The first customer representative told me they would replace it or work something out since I had not had the phone long. She said to call XXXX to see if their warranty would cover me getting my phone fixed or replaced and if they would not take care of The problem come back to Home Shopping Network. 
XXXX XXXX, 2016 called HSN and Customer Service rep said she would check- come back to the Phone and said they could not help me as I was past their warranty date I asked to speak to the Supervisor, XXXX and she said the same thing past my time with HSN . 
I went to the XXXX XXXX XXXX store to see if they could fix it and they could not Went to XXXX rep at the XXXX XXXX store and he could do nothing. 
As of XXXX XXXX, 2016, I still have no phone and I am out of {$680.00}. 
I called XXXX and was pretty much given the run around ; Sent the phone to them and Still nothing. Their Phone number is XXXX XXXX Texas . 
I have purchase a lot of product from HSN ( and for them not to try to help a long time customer is terrible, if can not get some kind of refund, or credit my HSN credit card.
Product: Credit reporting or other personal consumer reports

I am reporting fraudulent activity on my Experian credit report due to identity theft. Unauthorized accounts and transactions that I have no affiliation with are appearing on my report. Following Experians advice, I filed a report with the Federal Trade Commission ( FTC ) and submitted the documentation, but these fraudulent entries have not been removed.
Product: Credit reporting or other personal consumer reports

I am disputing unvalidated late payments on my credit report. Despite my written dispute over XXXX  days ago, you have failed to respond or provide the required validation, violating the Fair Credit Reporting Act. 

You must immediately remove these disputed late payments from my consumer report.
Product: Vehicle loan or lease

90 % of my payments went to interested in a principal thats just wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to Experian. I am attaching a copy of the letter I sent to Experian. In the letter, I asked them to investigate inaccurate accounts on my credit report. They were supposed to respond with the results within thirty days, but they have not.
Product: Credit reporting or other personal consumer reports

I tried to get this resolved to reflect correctly on my account and was denied information I was threatened that they would continue to report on this matter until a payment is settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$5700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries from ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 
Unauthorized Hard Inquiries from ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized Hard Inquiries from ( Transunion ) ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Special loan service company, will not let us pay mortgage payments on line since we are on bankruptcy, only on phone and wants to charge us {$10.00} for making the payment. My understanding is that they cant charge people in bankruptcy fees.
Product: Checking or savings account

I was seeking event tickets and someone contacted me on XXXX saying they had some to sell. I sent the money via XXXX then they asked for additional funds for a " XXXX activation fee ''. I XXXX  it and determined that it was a scam. When I called them on it, they blocked me on XXXX. I contacted my bank to file a claim and they refused to pay because I had in fact authorized the transaction. While this is true, I did not receive what I was promised and it was a complete scam. She took my money and ran.
Product: Debt collection

I tried to move. When they pull my report they told me I had {$1000.00} debit on my credit report. I called the company they couldn't explain and couldn't find notes. I called the agency at the time. They couldn't explain. I disputed through my credit report and they removed it. 2 months later they put it back under a different agency. I've had issues since then. This bill is not accurate. There is no way they would allow someone not to pay and they still have service. On one call they said I didn't return equipment. I found a receipt that shows I did in fact return equipment. Please help me. This is NOT accurate and it's wrong of them to keep reporting this year ' after year. I don't know what todo. No cable company is going to let you keep service month after month with out you paying your bill, but they are telling me. That's what this is and equipment fees. When I asked for an itemized bill. It started with {$300.00} something dollars ( no explanation ) then continued to add charges from there. Things that I wasn't suppose to be charged for was on there. I'm told they can't see the notes but I'm expected to just pay it. This is not right. I had not had service for 5 or 6 years when they put this on my report put the blue. I think it's wrong they couldn't get the notes and details buy they have a balance that doesn't make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.
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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXXXXXX XXXX Balance Owed : {$52000.00} XXXX XXXXXXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been requesting a proper reinvestigation from XXXX and TransUnion about the following accounts. These accounts are still reporting in error and negatively affecting my financial health. Here is the reason : 1. A CHARGEOFF CAN NOT HAVE A BALANCE REPORTING. 
XXXX XXXX XXXX XXXX Account Number : XXXX DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX. CHARGEOFF CAN NOT HAVE A BALANCE. OPEN DATES DO NOT MATCH. 
XXXX XXXX XXXX XXXX Account Number : XXXX DELETE ACCOUNT FROM MY CREDIT REPORT XXXX. DATE OPENED DO NOT MATCH. PAYMENT HISTORY IS MISLEADING, 120 DAYS LATE 2 TIMES. 
XXXX XXXX XXXX XXXX Account Number : XXXX DELETE THIS ACCOUNT XXXX. THIS ACCOUNT DOES NOT BELONG TO ME. ACCOUNT # IS INCOMPLETE. HOW CAN I BE 120 DAYS LATE AND THEN XXXX? 
XXXX XXXX XXXXXXXX Account Number : XXXX DELETE ACCOUNT According to the Fair Credit Reporting Act. My credit report has to be 100 % accurate. After a reinvestigation concludes the disputed information has to be removed/deleted. PLEASE STOP SENDING COMPUTER GENERATED LETTER AND STILL REPORTING ERRORS.
Product: Student loan

My student loan servicer is intentionally delaying my teacher student loan forgiveness. After completing my 5 years teaching in a high needs school, I submitted by application to Great Lakes Borrower Service. Unfortunately, my loan was transferred to Nelnet during that process. I resubmitted my application and Nelnet sent the application back to me on reasonable cause. I have since had to resubmit my loan forgiveness application 5 times for various petty reasons such as the signature date being too old or the signature being slightly faded. Does the signature date actually matter? The signature was old due to the fact Nelnet took over my loan. They also fail to tell me about these issues upfront. I did not learn the signature date was an issue until my 3rd resubmission. If it truly was an issue, why wasn't I told that upfront when I made other corrections. 

Every time I resubmit my application I ask for any corrections to be emailed back to me but instead they mail it back to me which delays the process even longer. They flat out disregard my request to email. 

Additionally, Nelnet 's resubmission process is intentionally flawed. There is no way to submit my application through the website. I can only submit it through email or through mail. Unfortunately, they often ignore the email until I file a complaint through their website. If I try to call I am met with XXXX wait times ( no callback option ) with the worst customer service imaginable. I have been disconnected and flat out told I just need to wait even though they have exceeded the XXXX business day wait period in which they say I will hear back from them. I submitted my most recent resubmission XX/XX/XXXX and have no heard a single thing back from them despite numerous attempts. A simple correction should take mere seconds to check. 

If I email them I am sent back an automated email with a list of frequently asked questions. It is a do not reply email so they have effectively eliminated any communication. Nelnet practices malicious incompetence to ensure all payments are continued let alone the extra interest it is accruing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my credit score to increase so i need any and all inquirys on my credit report removed Asap cause i can't even open a bank account
Product: Credit card

Sears contacted my wife and made a deal of XXXX XXXX XXXX XXXX XXXX a month on an account thats already closed keep in mind we only owe them XXXX XXXX 



Im furious that sears have still not taken accountability for the damage they caused. 

We made multiple attempts to resolve this issue from day one.

And we ended up fighting with sears customer service every step of the way.

After exhausting all efforts to resolve this situation I realized that Sears didnt want to resolve issue and the people from customer service are no help they only want to threaten you and intimidate you into sending them money.

This is business and it should be handled in a professional manner.

I will provide documentation to prove how sears affected our financial situation as they took money from my account which caused my mortgage payment to be rejected due to insufficient funds, Ive never had a late payment with my mortgage company. 



It wasnt until I contacted the CFPB that my money was returned to my account, but the damage was already done. 



But Im skeptical of sears and there deals that is why Im filing this second complaint with the CFPB, so we get a fair deal and close this payment debacle forever. 

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

Im incredibly frustrated and disheartened by the lack of attention to my repeated requests to fix the errors on my credit report. Its been an ongoing issue, and despite reaching out multiple times, I feel like my concerns are being ignored, which is unfairly impacting my credit and peace of mind.