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

I just checked my Experian credit report, I the XXXX 's account is still being reported as a charge-off. This account should have been changed weeks ago. 

On XX/XX/XXXX, I received an updated copy of my XXXX  credit report. I had disputed the XXXX 's Account because the account status was being reported incorrectly. I even mailed a letter to XXXX XXXX  to advising them of the error. When I looked at the results the XXXX  stated the original creditor had verified the status was being reported correctly. I question the validity of that because I have letter dated XX/XX/XXXX that refutes that. The date on my credit report is dated XX/XX/XXXX. How did XXXX  verify something that XXXX had already agreed to correct after the XX/XX/XXXX letter. I called XXXX XXXX  on XX/XX/XXXX and I was told by some person named XXXX that the status should be reported as a charge off, I told him he was wrong because the account had been included in bankruptcy in XXXX which was well after the charge off in XXXX. XXXX was wrong and he needs to be retrained. I called back and was transferred to another representative who did know what she was talking about either. I feel like I am being jerked around and rights are being violated by XXXX XXXX.
Product: Debt collection

On XX/XX/2020 I sent Capital One a Affidavit of Truth regarding a credit card in the amount owe of {$660.00}. In the bill statement Capital One had 6 federal privacy act violations I also attacked a notice in the amount of {$6000.00}.
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 XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Removing auto loans from your credit report can be challenging, especially if they are valid accounts. However, if you believe there are inaccuracies or you want to address negative impacts from these loans, here are steps you can take : XXXX. **Review Your Credit Report** : Obtain a copy of your credit report from all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX You can get a free report once a year at XXXX. 

XXXX. **Identify Errors** : Look for any inaccuracies related to your auto loans, such as incorrect balances, payment history, or accounts that dont belong to you. 

XXXX. **Dispute Inaccuracies** : If you find errors, you can file a dispute with the credit bureau reporting the incorrect information. Provide documentation to support your claim, and the bureau will investigate within 30 days. 

XXXX. **Negotiate with Lenders** : If you have paid off an auto loan but it is still showing as a negative account, you can contact the lender to request a goodwill adjustment. If you had a good payment history, they might agree to remove the negative mark. 

XXXX. **Pay for Deletion** : In some cases, lenders XXXX agree to remove a negative account in exchange for payment. This is known as " pay for delete. '' Be cautious, as this practice is not endorsed by credit bureaus. 

XXXX. **Wait for Time to Pass** : Negative information, including late payments and defaults, typically remains on your credit report for XXXX years. If the loans are old, they will eventually fall off your report. 

XXXX. XXXXConsider Professional Help** : If youre struggling to remove negative items, you might consider working with a credit repair agency. They can help you navigate disputes and improve your credit. 

XXXX. **Build Positive Credit** : Focus on building positive credit history by making timely payments on any remaining accounts, using credit responsibly, and keeping your credit utilization low. 

Remember, its important to maintain accurate and truthful information on your credit report. If you have further questions or need assistance with a specific situation, feel free to ask!
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Hello and thank you for your assistance. 
Last XXXX, a Collection Agency I have never dealt with in the past, " XXXX XXXX, '' somehow sourced an old debt of mine that was settled in XXXX and started pursuing me about it. They also added this [ time-barred and Settled ] debt to my XXXX Report, which is causing me a great deal of XXXX since I am applying for student loans for my XXXX. 

I originally Settled via FMS Incorporated, which was working on behalf of XXXX to recover the debt back in XXXX I promptly supplied them with a copy of my original Settlement Letter from FMS, confirming my Settlement as of XX/XX/2012. This letter did not convince them. I also Contacted FMS to ask what they can do to assist and they said they can do nothing. All they would be able to do is issue me a copy of the same settlement letter that I have. I contact XXXX multiple times to explain and disputed multiple times with the Settlement letter and told them that this matter keeps bouncing around like a hot potato. 

I've kept my documentation and do not understand why ; despite hours of conversation, this debt is still on my credit report. I've also been harassed by other collectors, some I am sure are scams, about this debt over the last several years. Not only have I shared the Settlement letter, but I've contacted XXXX XXXX XXXX at XXXX, to confirm and they were able to pull up the account and certify for me that there is a {$0.00} balance due on that account and it is settled. I asked them for a letter I could share with XXXX XXXX and FMS, but XXXX said they " can not print one because it is so old, but if XXXX, XXXX XXXX or FMS want to call them they can certify it for them verbally. '' Since the housing crisis, I've worked very hard to repair my credit -- and this is the worst possible time for this to happen. No one is willing to accept the proof I have or seek certification from the original creditor. I believe this is a breach of the Fair Credit Reporting Act. What recourse does a consumer have in a situation like this? It seems, none.
Product: Mortgage

To whom it may concern : I am experiencing credit reporting fraud and financial fraud from my current lender PHH mortgage, housed under XXXX XXXX XXXX. I have been referred to an off-shore call center " case-manager '' since XX/XX/2019. Following all rules for their home loan re modification program, I paid as agree X6 months of partial payments in order to qualify. As of XX/XX/2019, I was inform that the trial payment period had ended and I had been approved for a home loan excluding the Melaroose charges previously embedded in my original FHA loan, this maintained my monthly payment at {$1600.00} of which I have paid consistently since XXXX of the finalized and signed agreement. Although I have been told that the new modification agreement has been accepted, I have been told that my loan is still not " finished ' and " awaiting on the investor ''. Although I was told, that my credit would only be affected for the period during the trial modification application, my credit report has received negative credit reporting for over a year. This has affected my ability to receive credit to pay medical bills, finance my car loan at reasonable rate, causing me to take out even larger loans with higher interests rates in order to pay for childcare. PHH mortgage has not followed up on my inquiry nor has offered any solution or END to destroying and damaging my credit, despite representatives on the phone promising to " reverse '' the negative credit reporting. Instead of helping my as a client, PHH Mortgage is destroying my families financial well being and also causing stress and hardship. This is the end inquiry made to the CFPB and over a year of attempting to resolved this issue directly with the company. As a hard-working XXXX XXXX  XXXX, I feel so abused and taken advantage of by this company which insists on cashing my checks every month without any regard to cleaning up their mess as it pertains to this loan or the credit damage that they have caused my family. Please rectify this immediately, this criminality and unethical behavior must stop now!
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been trying to fix errors. Nothing has worked. Even when I sent complaint to cfpb. Experian gets away with murder and nothing is done. On my report portfolio recovery has me for collection for XXXX $ still years later they wo n't send any info on an account that is not mine. Experian refuses to investigate again after they did XXXX time and company claims it 's mine. No proof at all just says it is. XXXX XXXX should read paid in settlement for auto loan. It was not written off. XXXX XXXX also reporting a debt I am paying off in a settlement. They refuse to investigate or correct errors. They will just send a letter saying we already investigated and will not again. This is n't fair and my credit is ruined for years.
Product: Credit reporting or other personal consumer reports

I need all these account deleted please under these laws 15 u.s Code1681a ( 2Xi ) 15 u.s Code 1666b 12 cfr 1026.13 ( billing error resolution ) 15 u.s 1681s-1 15 u.s Code 1692g 15 u.s Code 1692c 15 u.s Code 1681e ( b ) 15 u.s Code 1681 ( a ) ( 2 ) 15 u.s Code 1635 15 u.s Code 1637 ( 2 ) 9A )
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I DID NOT OPEN THESE ACCOUNTS THEY DO NOT BELONG TO ME IT IS NOT MY DEBT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I applied for credit line increase on my Barclays credit card ending XXXX. The same day Barclays determined that since there was no recent activity on my card I am not eligible to even apply for credit line increase. This decision was not based on my credit. 
However, afterwards Barclays made a hard inquiry against my credit anyway and needlessly -- since my credit was not involved in their decision which was based exclusively on my account not being active.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

premier auto credit has continued to report incorrectly on my credit for almost 6 months now. The mail i have sent to them regarding my alleged debt has been returned multiple times. This means the address listed on my credit report is incorrect and HAS to be deleted by law. I have tried to contact XXXX and XXXX regarding this matter and they haven't responded either. I have proof and the undelivered letter that i received back when i sent a letter to the address reported on my credit report
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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX 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: Student loan

I am in the XXXX XXXX. As part of my contract, the XXXX directly submits a payment to Fedloan servicing every year for six years. To  initiate the process, I need to log into an XXXX website using my military ID ( CAC card ), enter a PIN and digitally sign my document. I then send this documentation to Fedloan Servicing. 

I have had my digital signed document rejected twice this year, the second time after a call to customer service explaining how my document was digitally signed which required my military ID card ( CAC ) and an eight digit pin. This is more secure than a pen and ink signature. I also explained to them that electronic signatures are valid under the United States Code. The customer service rep told me that their policies require a wet signature. I requested that the customer service rep send me the policy, CFR or USC statute that they are relying on that excludes them
from accepting electronic signatures despite the law. I have not received a response. Fixing this issue would save services members countless hours as I just spent one hour accessing a CAC enabled website from my personal computer just so I could print out this document on my home printer, sign it, scan it and upload it. I can not send this document from my military email, computer because it contains my own PII.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is pertaining to two fraudulently opened accounts that I have tried to fix several times dealing with Experian. The accounts are as follows, XXXX XXXX XXXX XXXX XXXX XXXX. I have filed and sent a proper Police report, a Federal Trade Commission Affidavit, a sworn affidavit that was notarized in front of a Notary, a copy of the police investigators business card with all contact information and case number pertaining to the police report filed, also a copy of my Drivers license, copy of my social security card with number, and my Veterans Identification. All these documents will be included within this complaint. I served in the XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX and was XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and this is how I am treated. Some internet thief stole my credit information and open several accounts in my name and Im the one being blamed for it. I didnt benefit from any of these fraudulent accounts, nor did I have any knowledge of the accounts opening whatsoever. I have contacted Experian as well as the companies in question several times trying to resolve this problem but to no avail. It doesnt make any sense at all that Im still dealing with this even after all the reports I have filed and gathered, copied and sent to all parties responsible. I have even found out that my information was leaked because of a Data Breach that Im involved in with thousands of others. The incompetent responsible parties should be chasing the Internet thieves but instead they double down on the honest people and try their best to make them pay for something they had no part in.
Product: Debt collection

XXXX separate agents at Ace Cash Express have been contacting the references on my loan application and disclosing not only the details about the loan amount, date taken out, and payment due - but also confidential personal information that was contained in my application including my salary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting the following accounts be verified properly or deleted immediately, because the account type, status date, balance updated and payment status are not displaying accurately. Also the creditor name, phone number, addresses and names are all not matching across the credit bureaus on my credit report, which is confusing if this information is suppose to accurately be verified and reporting correctly. I sent multiple letters over the course of 1 year requesting the details below. My Last letter was sent off on XX/XX/2022. I asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, US DEPT ED XXXX XXXX XXXXXXXX ( TRANSUNION ) U S DEPT ED/ XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I called and they said they would handle. I don't remember the date.
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep report my account late and my account has never been late they just dont take it out my account in time. I called and ask them several times to fix this and to auto deduct from my account and they still havent. im reporting them to the XXXX  and Attonet General Office. I sent several emails and spoke with them. My next step is to sue.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration with the repeated unsuccessful attempts to remove charge-offs from my account. Despite multiple requests and efforts on my part, these charge-offs persist on my account statement, causing significant distress and inconvenience. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these charge-offs. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the charge-offs remain unresolved. 

It is extremely disheartening to see that despite my repeated attempts and persistence, the charge-offs continue to negatively impact my financial standing. These unresolved charge-offs not only affect my credit score but also hinder my ability to access financial products and services. 

I have made several calls, sent numerous emails, and submitted multiple written requests in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of charge-offs on my account have left me feeling frustrated and disillusioned. 

As a valued customer, I expect prompt and effective resolution to any discrepancies or errors on my account. The repeated failures to address this issue reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all erroneous charge-offs be promptly removed from my account, and that measures be implemented to prevent any recurrence of such errors in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the charge-offs on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$20000.00}.