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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

UNUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

I called soon after the debt appeared and stated these charges was false and I had counter evidence and was told they would clear it I called multiple times on XX/XX/year> and was hung up on multiple times they refuse to give information
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this item on my report it was removed a few months later it returned without warning. The law states that before adding an account back on your credit report that was removed the the reporting company has to give you a warning XXXX days before adding it back I did not receive no warning. Also I sent it documentation several times explaining this which they claim to have not received l. I want this account removed immediately!
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XX/XX/20XXXX XXXX XX/XX/2022 XXXX XXXX
Product: Debt collection

On the day XX/XX/2020 the agency XXXX contact me to collect a debt to LVNV FUNDING LLC on the amount of {$1000.00}. The paper clearly says that the statute of limitation of this debt has already expired and that they will not report it to any credit reporting agency but the debt still shows on my credit score and history
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau a dispute letter in regards to these accounts on XX/XX/XXXX, refer to attached document, asking that they be removed. Please note investigative results report should have been done by XX/XX/XXXX. To date, I have not received a report which is in violation of the FCRA. 

I had filed an Identity Theft report, refer to attached copy of filing document. You may call the police department to confirm the filing legitimacy. Please be advised I have a {$600000.00} residential home escrow pending cancellation by XX/XX/XXXX unless these accounts are not immediately deleted. I would prefer this to handled without litigation and damages
Product: Credit reporting or other personal consumer reports

I have listed on my credit report the name XXXX XXXX. 
I have been the victim of online bullying and identity theft. 
Please complain to have the name removed from my reports.
Product: Mortgage

BSI Financial Services Bought my mortgage. I make my payment through my bill pay. They receive my payment on time but do not process in a timely manner. They want to charge late fees that I do not owe I have seen hundreds of complaints about them. I can not understand why the government has not shut them down.
Product: Debt collection

I am paying Navient every month for mt student loans and, over the years, I've been experiencing a number of problems with them. The most prominent has been their customer service. They offer the opportunity to set up automatic payments online, but the system never worked. So, every couple of months, my account would go " delinquent '' and they would harass me with automated messages on a daily basis until my account was paid. I had to reach out to them by other means THREE DIFFERENT TIMES explaining that the problem was with their automated system. I would even review my account online before calling to ensure that my automatic payments were established, only to find out over the phone that my automatic payments were NOT established. I am hurt that this could have made impacts to my credit score over the years that I may not be aware of.

The next problem I have with Navient is that they are playing around with the interest rate percentages on my loans and also changing the amount owed from some of them. I had one Stafford Subsidized loan sitting at 2.500 % interest and less {$900.00} left to pay suddenly change in the last month or so to 3.280 % interest and OVER {$900.00} remaining. I am currently taking monthly screenshots of my account and can have more information in another couple of weeks. I am pressing this review because I just learned today that I can submit a complaint through the CFPB and will be submitting a duplicate for Navient 's federal loans too.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received a hard inquiry on the same date from SyncbXXXX. I have no account with them and I have not applied for anything. When I spoke to them on the phone I was told at first they couldnt find any information associated with my ssn and then informed that they couldnt provide me with any information and they couldnt help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a charge off that doesn't belong to me and Target is reporting lates that are not correct.
Product: Credit reporting or other personal consumer reports

Disputed Account Details : XXXX  XXXX XXXX Account Number XXXX XXXXAccount number incomplete not being reported on Experian or XXXX and XXXX shows XXXX. Delete account for inaccurate reporting XXXXPayment History Inaccurate on the XXXX credit report Experian reporting XXXX XXXX current XXXX current XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX reporting XXXX XXXX OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX reporting XXXX XXXX No Data XXXX No Data XXXX No Data XXXX No Data XXXX No Data XXXX No Data. Delete account for inaccurate reporting 3.Date Updated Inaccurate on the XXXX Credit reports Experian shows XXXX XX/XX/XXXX. XXXX shows XX/XX/XXXX XXXX shows XX/XX/XXXX. Delete account for inaccurate reporting XXXXCharge Off amount incorrect How is it that the account was charged off for {$1000.00} writen off but every month it went up and is now at {$1400.00} when the 1099 form shows {$1000.00} and this account is still being updated monthly. Delete account for inaccurate reporting I request that you kindly investigate this matter and delete the inaccurate information on my credit report. Please provide me with an updated report once the dispute has been resolved. 
Enclosed are copies of supporting documents that substantiate my claims. These documents include copy of the XXXX Credit Bureaus showing the differences. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request that the disputed information be investigated, corrected, and removed from my credit report if found to be inaccurate or unverifiable. 
Please inform me of the results of your investigation and any actions taken. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I'm a victim of the of the XXXX Data Breach, as well as victim of the XXXX Breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries which include 28 critical findings tied to my identity within the breach which led to me being a victim of Identity Theft. In addition, I'm also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1581 et seq., the Consumer Finarrcial Protection Act of 2010 ( CFPA ), 12 U.S, C, 5536 ( a ) ( lXa ) - ( b ), 5564, and 5565, and my right to privacy as specified under 15 U.S.C. 1681 ( aX1 ) - ( 4 ). I have reason to believe that my credit file has been subjected to improper investiqations or reporting practices, which have led to inaccurate reporting of my information. Furthermore, I believe XXXX 'S handling of my credit file may violate my privacy rights as guaranteed under the FCRA. As I've requested XXXX to provide their method of verification several times back in XXXX, XX/XX/XXXX, and as late as XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed the late payments reported on XXXX XXXX. 
XXXX. Equifax never reversed them ... They did not even send me any proof as to why they will not correct it.. Please take care of this error and remove the late payment CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of years ago I filled out for a Citibank card at Costco thats when the problem started I never did use the card the following year I did pay the annual membership and then ask them to close the account as I dont use credit cards however it never got closed someone from Washington got a hold of it continue to use it and it sat and sat and sat on my credit report as a late fee over 120 days plus I believe now all three credit scores have gone down Ive always been in the XXXX and now in XXXX Ive asked account to be closed at citi
Product: Debt collection

I am disputing this off of my credit report this collection agency purchased my account from XXXX I did not authorize any buisness with XXXX XXXX the debt was sold by XXXX XXXX XXXX is calling and harassing me for XXXX I did not sign any contracts with that company therefore Im not obligated to pay the debt please remove the account and the negative impact from my account I did reach out to XXXX XXXX to remove the account.
Product: Credit card or prepaid card

I disputed a transaction for {$99.00} in or around XX/XX/2021. The amount was credited per the normal dispute process. While on the phone with Barclay 's support, the representative credited a late fee, we determined the total balance due, and I then made a final payment to bring my account balance to zero. Subsequently, I received notice via post, that the XXXX dispute was found to be in my favor and the matter was considered closed. However, the credit that was returned to my account was only approximately {$94.00}, not the full {$99.00}. A balance for approximately {$6.00} was carried over and I was charged late fees and interest. I contacted Barclay 's multiple times each with promises that the issue would be resolved. It has yet to be resolved. 

Finally, I became aware the issue was still not resolved, and I had been reported to the credit reporting agencies. I contacted Barclay 's again. This time they agreed there was still an outstanding issue, but there was a new charge of {$29.00} that had contributed to the late fee, so there was nothing they could do except send in a ticket about the dispute. They did, and I subsequently received another letter stating I would not be liable for fraud on my account after their investigation, and the credit report could take 30 days to update. A few days later, I received the latest invoice with additional late fees and interest. 

These are clearly billing errors, and nobody at the organization is taking ownership to resolve the issue. Due to Barclay 's poor business practices, they are " passing the buck '' from department to department to my detriment. They have violated multiple federal laws in the dispute and credit reporting processes, and I am beginning to accrue significant damages as I am currently in the process of purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : DEPT OF EDUCATIONXXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; DEPT OF EDUCATION/XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB XXXX Bank of America, On a recent pull of my credit report I see Bank of America has an unauthorized hard credit inquiry on my credit report dated XX/XX/2022 I would like removed. 

Attached with this complaint are : - my drivers license - my social security card - my mailing address - my written complaint - Proof of where its located
Product: Mortgage

XX/XX/ I discovered XACTUS LLC attempted mortgage app. under my name and its on my credit report.
Product: Credit card

On XX/XX/year>, I was approached by a group requesting donations for a victim of XXXX XXXX in my area. This was in an area outside of a XXXX which is a common gathering spot for donations. They provided documentation of previous donations, as well as specific details on the victim. I decided to donate {$20.00} to them via XXXX XXXX and instead was charged {$2400.00} and the merchant shows up as XXXX XXXX, which is a grocery store. It did not have an address ( as any purchase I have made with this merchant provides ) and it was not listed as a grocery store, instead as business services not elsewhere classified. I immediately called Bank of America for this fradulent activity. They submitted a claim but did not advise me to contact the police and no one else advised me to either so I was unsure of how to proceed. This claim was initially denied because it was not considered fraud. I repeatedly had to call them in order to get the claim switched and provided documentation of how this transaction was fraudulent on multiple occasions. To this day, it was continued to be rejected for no reason other than that I dont have enough proof, despite providing as much information as I possibly could. Not only have they repeatedly failed to refile my claim despite saying they would, they also do not acknowledge or provide any valid reason why it is being rejected despite my documentation. They want a receipt of some kind from the merchant but this merchant doesnt really exist according to their own purchase information.
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 Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on Nelnet Loan Services. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

XXXX XXXX system or Great America Financial Services forged my signature on a document and I have been paying them for more than 2 years now. Also one of the equipment that I am paying for was not delivered to me.
Product: Student loan

I had first notice on my loan that they're are multipul disbursements with the same amount 15 days in the same month which that didn't make any sense. The disbursement begins on XX/XX/XXXX for XXXX then another disbursement on XX/XX/XXXX XXXX then another disbursement on XX/XX/XXXX for XXXX and another disbursement on XX/XX/XXXX for XXXX ; then on 3 months after XX/XX/XXXX for XXXX ; the another disbursement on XX/XX/XXXX for XXXX and 3 months later XX/XX/XXXX for XXXX ; then another disbursement on XX/XX/XXXX for XXXX ; then another disbursement on XX/XX/XXXX for XXXX ; then another disbursement on XX/XX/XXXX for XXXX and again another disbursement on XX/XX/XXXX for XXXX. When I ask Navient questions they always make excuses and say they can't do anything about it because they're not the one who made any mistakes it was Sallie Mae. Every 3 months they had did a disbursement which I never saw that before. They need to fix this problem and find our why I was charged double and why should I repay this student loan that I never knew it had cost me more then what the school was worth. My loans are way more then what I had studied and was stated by the school that their tuition was only XXXX for the four years I was there and it was more that was anticipated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a past due balance of {$570.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility bill for identification purposes. ) There was a torrential downpour which caused the vehicle to be totally flooded and consequently deemed a total loss. I had GAP insurance at the time and the vehicle was covered by Insurance. This account needs to report a {$0.00} balance and the coding needs to be corrected. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

A collection agency called Gensis Management put a collection account on my credit. It says medical. I have insurance and don't have any outstanding debt. I sent a request for validation but they won't send me anything. Every week they add more money to the debt. I keep getting alerts from XXXX XXXX showing that the balance has increased every few days. This is against the law
Product: Credit reporting or other personal consumer reports

As of right now the following the companies are reporting income to the XXXX top credit reporting agencies XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX, Discover Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX is not part of any of XXXX, XXXX or XXXX credit reports. This needs to stop immediately. According to XXXX 's own web site It states " Your credit history does not include income information. See provided upload. 
And according to the IRS web site publication 525 and 4681 see provided uploads The IRS clearly makes it known that XXXX is to be considered income. And as such income is not a debt and income can not be reported to the credit reporting agencies. Therefore the XXXX ( XXXX ) XXXX 's uploaded along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX, XXXX and XXXX must remove deleted all income from being reported to my credit reports In summary it is abundantly clear by all parties IRS, that cancelled debt XXXX is considered income and according the credit reporting agencies themselves income can not should not and does not get reported to the credit reporting agencies. 
thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I may be a victim of the Equifax data breach. I need advice on how to make sure my name is clear. Any advice would be appreciated.
Product: Checking or savings account

My account was closed with know warning and they said it was due to a policy about if an account is over drawn for 60 days they close it. Was not in my paper work and now I have no way to be paid from my new job. I know this is erroneous due to having my account over drawn for longer before.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was in the process of purchasing a house. From XXXX XXXX  that day until about XXXX that day I was entirely busy. On XX/XX/year> I received an email notification from XXXX ( not the complaint ) that I had an Installment Loan inquiry from XXXX  XXXX. I spent about 2 hours on the phone with XXXX ( not the complaint ) and they removed the inquiry. I then called XXXX XXXX ( previously I had not been able to get into contact ) using a business phone number, and after about an hour of determining what had happened, we found out someone had applied for a Credit Card in my name. The XXXX  XXXX application number is XXXX. The contact number to confirm this information is XXXX option XXXX. I then on XX/XX/year> submitted disputes for both Equifax and XXXX. I have received nothing so far from XXXX, who has no option to dispute the inquiry itself online, and all phone service is overseas. Equifax, after less than 24 hours, has left the inquiry on the report, which tells me they did not do any due diligence in determining whether or not this was actually fraudulent. I just moved, so I have not been able to get a police report ( the police department I am in the jurisdiction of is 45 minutes away ). 

The inquiry should be removed from both the Equifax and XXXX.