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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT ED/XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT ED/XXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
DPT ED/XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT ED/XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT FEDLOAN Account Number : XXXX Delete this account. 

12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 

13. Identity Theft DPT ED/XXXX Account Number : XXXX Delete this account. 

14. Identity Theft DPT ED/XXXX Account Number : XXXX Delete this account. 

15. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

16. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

17. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/LOWES, Account number XXXX, Charge Card, Closed & charged off. {$5.00}, XXXX written off, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, FL XXXX SYNCB/PPC ( paypal ), Account number XXXX, Credit card, Closed & charged off, {$3700.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, FL XXXX Both charges from Synchrony on my credit report are not mine : Called Synchrony and the agent sees BOTH accounts and directs me back to Paypal and Lowes credit XXXX 

2 letters to address asking for verification of statement this year gone out. No Reply SYNCB/PPC, called fraud, and they direct me back to Synchrony Bank . Synchrony Bank says, no work with PayPal. 
SYNCB/LOWES, the supervisor took documents of my address and promised to remove send forth letters out to credit agencies and myself. That was 8 weeks ago. Called yesterday, no record of this.
Product: Credit card or prepaid card

XX/XX/XXXX - Made a purchase at local XXXX store and charged to my XXXX store charge card ( Comenity ) = {$130.00} XX/XX/XXXX - send check payment of {$130.00} from XXXX XXXX checking bill pay ( confirmation attached ) XX/XX/XXXX - received XXXX credit card statement showing no payment made and besides {$130.00} balance, a late fee is also now owed. 
XX/XX/XXXX - signed into XXXX credit card portal system and message them to say I paid the bill in full on XX/XX/XXXX and attached bank payment confirmation. 
XX/XX/XXXX - portal response from Comenity that they are looking into it. 
XX/XX/XXXX - receive another XXXX credit card statement showing no payments made and more fees added, so I called the credit card company and the representative tells me it will take time for them to look into it but rest assured I will not be sent to collections, so be patient. I told the rep that my Maurices credit card had been updated recently and I thought I might have sent my payment with my old account number on it, but they said that wouldn't be a problem as I had been a long time customer and they'd find that in the investigation. I also message in the portal and again am told they are looking into it. 
XX/XX/XXXX - still receiving monthly statements showing no payment so I call again and am told a representative in that area is not available and to please call back at a later time. I also message in the portal and again receive a response that they are looking into it. 
XX/XX/XXXX All of the sudden I am getting calls from the credit card company multiple times a day urging me to pay my overdue bill. I talk to the caller and they tell me the investigation is in a different area than he works in and he can't help me. 
XX/XX/XXXX I receive a letter from the credit card company asking for electronic transmittal inquiry form from my bank. 
XX/XX/XXXX I sent the proof of payment from XXXX XXXX to the Comenity through the portal. 
XX/XX/XXXX XXXX in the portal saying they are looking into it. 
XX/XX/XXXX Received yet another statement still showing no payment so I messaged again through portal. 
XX/XX/XXXX Response in the portal saying they are looking into it. 
XX/XX/XXXX Received a letter in the portal saying they never received the payment. 

I just keep going back and forth between these companies, but XXXX XXXX took the money from my account and provided the proof of payment, so I think it is Comenity 's issue that they accepted the funds but are not crediting my account for them. I'm at a loss as how to prove any other way that they have the funds and did in a timely matter.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX Date XXXXXXXX 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

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  Account # XXXX XXXX  XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and 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 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 card or prepaid card

The issue concerns my dispute with XXXX XXXXXXXX, XXXX and it's processing by Citi dispute department. The dispute was partially closed with an explanation that I missed a deadline of XXXX to provide supporting second opinion. In addition, it appears that Citi required me to hire a contractor for evaluation without intent to use the result of evaluation despite it was submitted before deadline, possibly due to miscommunication between different parts of the dispute department. As result I incurred {$190.00} of unnecessary expense. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In their response to my complaint to CFPB dated XX/XX/XXXX Citi alleged that I missed the deadline of XXXX to submit additional documentation as requested by Citi on XX/XX/XXXX. This claim is incorrect as the deadline was subsequently extended. On XX/XX/XXXX, after my initial response, Citi sent an email further clarifying what they expected in case of a contractor dispute and extending the deadline to XXXX. Verbatim, Citi requested proof that the merchandise/service was not as described. This proof needs to be a review from a second similar merchantDue to timeframe issues please return the requested information by XX/XX/XXXX. The clarification email from Citi is attached, together with my response on XXXX at XXXX providing requested second opinion letter. Despite being submitted on time, according to recorded phone conversations with dispute department, the letter was scanned after the dispute was partially closed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) | to support my identity theft claim. Under 15 U.S.C. 
1681c-2, when a consumer files an identity theft report, credit reporting agencies must block any information that the consumer identifies as a result of the identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : account name : XXXX XXXX XXXX, number : XXXX date opened : XX/XX/2023 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for one year, at which time I can request an extension of the block. During the block, you will not be able to report that it no longer contains fraudulent information. Several times I have called the bureau reporting these fraudulent accounts on my report and XXXX Transunion and XXXX have not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these charges were eliminated and not verified by other bureaus I don't understand how they usually say that these accounts are mine, that's why I request that they send me all the documentation to verify that this information is true. I have applied for contracts with this company with my information and for over 60 days I have not heard back from them, please help me delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian Credit Report my XXXX  XXXX XXXX Credit Card is showing account under dispute due to the Fair Credit Billing Act. I did not file this dispute there must be some kind of mistake.

Also my Experian Credit Report is showing the following message Your total credit limit decreased by {$7000.00} Your credit limit decreased from {$7000.00} to {$0.00}, which typically means either a lender decreased your credit limit or you closed a credit card account.

My XXXX  XXXX XXXX Credit Report is still open why did my score drop XXXX points?
Product: Mortgage

On XX/XX/2019 I wanted to refinance my HELOC to a five year term and after four months of negotiating I close on the loan twice in XX/XX/2019 .During the loan process it wasnt explain to me that Ill be doing a second loan .The loan processor was in over load and she never discussed key issues about the loan such as during a second loan and adding a third lein to my property when NFCU could have consolidated the two loan together.In my opinion this is negotiating in bad faith I have tried for several months to resolve the dispute through the XXXX XXXX XXXX  but unsuccessful so I decided to use this avenue instead.also Im forwarding all my supporting documents to you thank you for your attention to this matter.XXXX
Product: Credit card or prepaid card

The company is reporting incorrect information on my credit report and refuses to remove it, even though it is demonstrably incorrect. Specifically, the company is reporting that I made one late payment in XX/XX/XXXX. This payment was not late. In XX/XX/XXXX, I requested that the company opt me into automatic payments and that the company provide a credit interest refund to my account. The company provided the credit interest refund. They confirmed via phone during this conversation that the automatic payments were indeed set up, but I later found out that they were not.
Product: Debt collection

There was a medical collection that was placed on my credit by NTL XXXX XXXX in the amount of {$5500.00}. I was covered by insurance at the time and date of service at XXXX XXXX XXXX. I had also provided my insurance information. After much research, my insurance informed me that they initially were contacted by the hospital concerning myself being actively covered, which I was, on XX/XX/2018. They also informed me that the hospital never followed up and submitted an official bill for payment. There was no follow up or follow thru. Insurance claim fell thru the crack as not fault of mine. This item was then placed on my credit. My credit score decreased -112 pts. After reaching out to the hospital I was  sent in several circles. I contacted my insurance who then reached out to hospital billing. My insurance denied payment as the bill was submitted after the filing limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries in my XXXX and Transunion credit report that i am not recognisingi have called them several times but no one is helping me.. and my inquiries are from XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX XXXX 
( Bank ) XXXX XXXX XXXX ( Finance ) XX/XX/2021 XX/XX/2021 XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX  ( Finance ) XX/XX/2021 XXXX Transunion XXXX XXXX XXXX XXXX XX/XX/2021 XXXX Bank XXXX XXXX XX/XX/2XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 3 Charge off accounts and 1 collection accounts on multiple occasions with all three credit bureaus and even with the CFPB and they still refuse to do a proper investigation. I have three accounts with multiple inaccuracies and even after disputing they still come back verified. So I proceeded to download my complete credit report and physically mark out the inaccuracies as I am entitled to a 100 % ACCURATE credit report at all times per FCRA and have found multiple violations under FCRA which I will be seeking legal reparations as they have prevented be from obtaining credit. I also have 1 Collection account from XXXX XXXX where they allege I owe a debt but have been unable to provide a debt validation letter, original creditor information, original contract with my WET signature, and a document stating their right to collect. I will be listing the three accounts and their violations. 

XXXX XXXX XXXX ( {$530.00} ) Incorrect payment status Inconsistent Delinquency reporting Inconsistent and Inaccurate balance reporting Inconsistent payment history reporting ( payment chart and listed dates do not match ) Inconsistent and inaccurate date of last activity Missing Terms Missing high balance Account Comments/ Status inconsistent XXXX XXXX  ( {$770.00} ) Last updated Dates : inconsistent Inaccurate and inconsistent Payment status Delinquencies : Missing or inaccurate Balance reported Inconsistent or Missing 2 Year Payment Chart : inconsistent reporting Older Derogatory events and 2 year payment history : dates do not match/ Missing 30/60 late payment reporting : inaccurate/missing Close dates : inconsistent or missing Date of last activity : is inaccurate or missing Terms : are inconsistent or missing High balance : inconsistent or missing XXXX Bank ( {$260.00} ) Payment status : inaccurate and inconsistent Delinquencies : Inconsistent or missing Balance : inconsistent or missing 2 Year Payment Chart : inconsistent and multiple inaccuracies 30/60 Day late payment reporting : Missing 90 day late payment reporting : inaccurate and missing Close Date : inaccurate and missing Last Activity : Inconsistent and missing Terms : inconsistent and missing Scheduled Payment : inconsistent and missing High Balance : Inconsistent and Missing Loan Type : In consistent and inaccurate Comments : Inconsistent/ Inaccurate XXXX XXXX ( {$2200.00} ) unable to provide a debt validation letter, original creditor information, original contract with my WET signature, and a document stating their right to collect. 

All above listed are causing inaccuracies and violations under FCRA USC 15 1681 Failure to Correct violations will result in litigation. 
All evidence and complaints have been forwarded to the Attorney General of Texas for investigation.
Product: Debt collection

To Whom it May Concern : I am writing to formally dispute the accuracy of a MRSBPO collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, MRSBPO would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report.
Product: Student loan

I am a XXXX veteran on a limited income. I 've been called multiple times by Navient regarding payment of my loan. I am on a payment program that was set up between Navient and myself. I am getting close to retirement, and will be bringing in less money per month. I have contacted Navient several times regarding forgiveness on this loan, but nothing has been done on their part. Just last week a representative from Navient called my work multiple times during several days, of which we are not allowed to receive personal phone calls on company time. I told them that, and again today I received another phone call not only on my cell phone, but also on my work phone. I told the representative that I had been called last week and told that person that I would be making my payment this coming Friday. He then stated " oh yes, I do see that you spoke with someone from our office. '' over the past several years, I have been trying to make my monthly payments to Navient, but at times do not have the finances to make the payments. I am XXXX years old and still making payments on A loan from many years ago. I am still trying to get Navient to forgive my loan, but so far unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> at XXXXXXXX XXXX, I mail my dispute letters to TransUnion via certified mail ( Certified Mail Tracking Number XXXX XXXXXXXX ) asking for validation of debt per 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) and 15 U.S. Code 1692g. All I have received back is the debt is verified with no proof and sending stall letters saying I'm not a real person sending in the letters. They keep mailing me a balance statement with a breakdown without proof of my wet signature.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my latest credit report I noticed some inquiries that I did not authorize or give my signature to pull my credit. Here are the referenced inquiries : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account number 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: Checking or savings account

Hi there Im filing a dispute against key bank there for not allowing me to have a bank open with them they are going against my past history that is years ago why are they doing that and I opened a account and they all ready restricted it for that reason now I need a dispute started to figure out who let they account open when they said I cant bank with them
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Amount Owed {$68.00} False Reporting to my credit profile and hindering me from acquiring credits and home. 


Please delete collection immediately. 

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$68.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$68.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$68.00} Highest balance - Terms 68 Months On record until XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion would not assist in deleting these negative inquires from my report XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX