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

Items are being reported that have been charge off and still report a balance. Wrong address are being reported
Product: Credit reporting or other personal consumer reports

XXXXinquiries on all credit bureaus. XXXX inquires reporting without my knowledge or permission fir anyone to use ny information to apply for anything or given any companies permission to run my creditors products or services.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reached out to XXXX for assistance with payment of my utility bill and was told that I qualified for {$150.00} payment. I would need to pay a subscription fee of {$14.00} plus a first payment installment of {$58.00} which was paid on XX/XX/year>. I received an email from XXXX after my payment was made stating that my bill can not be paid electronically and that a check will be mailed instead and should be received within XXXX business days no later than XX/XX/XXXX which is the due date for my bill. Unfortunately, I confirmed with my landlord on XX/XX/year> that they never received the check payment. I reached out to XXXX on numerous occasions to request a refund and cancel my account and not report any information on my credit due to me not receiving the services that was advertised. I received a refund of {$58.00} on XX/XX/year> but I did not receive the refund of {$14.00} so I reached back out to XXXX. Eventually, I received the refund of {$14.00} on XX/XX/year> and per my communication with XXXX, my account was canceled. I received a credit alert from Transunion stating that XXXX has reported the cancelled account to my credit report with a credit limit of {$450.00}, with a balance of {$110.00} owed, and monthly payment of {$38.00}. I have reached out to XXXX to have this corrected and completely removed from my account just for me to not get a response. This inaccurate reporting has impacted my credit when it should have never been reported in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone was suppose to remove this.
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. 

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

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
Product: Student loan

I have a parent plus loan I obtained for my son around XX/XX/XXXX. I am confused as to exactly what kind it was now, but it was for {$25000.00}. I made monthly payments faithfully beginning after his college graduation in XX/XX/XXXX. In XX/XX/XXXX I filed bankruptcy, but it was never confirmed and therefore dismissed in XX/XX/XXXX. After the dismissal I called the loan company ( XXXX XXXX ) to inform them I wanted to resume payments. The account is now with Navient. This company says they have " no record '' of payments prior to XX/XX/XXXX when they received the account. 
I called Navient at XXXX on or about XXXX XXXX, XXXX. The representative told me had to send PROOF of payments. I did, as payments were verified by the bank manager and properly stamped. I mailed an accompanying letter to Navient to the address they provided requesting a balance review and reduction. I have made XXXX calls and nothing has happened. All I have been sent is their " payment history '' which only goes back to XX/XX/XXXX!? 
That is not what I asked for. I have the requested proof of payment all the way back to XXXX. What is the problem? 
This loan is grouped with other private loans through XXXX XXXX that I began repayment for in XX/XX/XXXX. I could not check both boxes at the top but all are/were consolidated and grouped together now with Navient. Why have n't my previous payments been included as far back as XX/XX/XXXX? I want my balance adjusted reflecting all past payments back to XXXX XXXX. I have provided the proof!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to figure out why my credit score dropped recently ( beginning of XX/XX/XXXX ) around 20 points. When I logged into the Experian website, it said I had 5 new late payments which were my student loans. What I'm confused about is these have been on  my credit report as being in collections since XX/XX/XXXX. Why are they suddenly coming up as NEW late payments and causing a drop to my score? Secondly, I am rehabilitating my loans with an assigned collections agency and am up to date on my payments with them since XX/XX/XXXX. 

I have disputed this on their website along with calling them and I can get no answers as to why this has happened. They say they understand what I am asking but can not give an answer as to why it's saying this and why my credit score dropped. Secondly, I have tried to upload screenshots to illustrate my point, and their page experian.comXXXX is not allowing me to upload documents. The page seems to be very poor, almost like they're making it difficult on purpose. First it said my time expired after only a few minutes when I tried to submit them. Then after converting the documents to the one of the two formats they accept and to a file size they accept, it said that the files we're too big. Very frustrating. 

Explanation of documents I uploaded here. The same ones I was trying to upload to their site : Document 1 : Screenshot of my Experian account saying I have 5 new late  payments from around the beginning of XX/XX/XXXX. 

Document 2 : Screenshot of my payment history on Experian site. See how it says first reported on XX/XX/XXXX. But my credit score dropped in XX/XX/XXXX for NEW missed payments. Also, the payment history is incorrect as shown by Document 3 which is my payment history with the collections agency. 

Document 3 : Payment history with the collections agency. 

Document 4 : Another question is why does it say here in my Payment History for XX/XX/XXXX that my payments are " on time '' and the box is " green ''? All my other loans which are with the same collections agency have an " FP '' ( Failed to Pay ) and a " red '' box?
Product: Credit reporting or other personal consumer reports

Hi, please carefully read my complaint and see the attached file. I wanted to buy a house or a car for sometime now but the inaccuracies on my credit report prevents me from doing so, my credit applications are getting denied which is so frustrating it is stressing me out.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Twice I have received calls from Summit Receivables, XXXX. The latest was today, from " XXXX XXXX. '' My phone 's caller ID said the incoming number was XXXX, so the company is obviously spoofing phone numbers to prevent callers from knowing who is calling. 

I did not answer the call, so " XXXX '' left me a voice mail message. She did not identify what person she was calling for. She did not identify what company was owed the debt or how much was called. She said that " the client has extended an offer to you to close out the account for less than you owe. '' That 's pretty remarkable since I do not have any debts in collection and have received nothing in the mail from anyone. 

I looked up the company online, and it seems it simply calls old telephone numbers for people who owe debts without bothering to verify if the right person is being called, as well as doing reverse look ups to see what phone number is currently associated with the address of whoever it is trying to collect from. I believe one of these is what happened with me. Summit Receivables seems to be practicing in illegal collection methods and needs to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX to ask about Phone plans, So I can compare to my current Phone Plan that I have. I informed the XXXX XXXX Staffer not to take any action before giving me all the options then I will refer to my budget plans and decide which way to move. He informed me that he will see my old pulled report of credit score! I told him to make sure not to hit my credit score, He said I will not i will look at the old one. I ended up having a hard inquiry on my credit score. He said sorry for the mistake but that not gon na help me remove his mistake off my records. Please help me.
Product: Bank account or service

All of sudden, I received an ATM card from Citizens Bank on XXXX XXXX, 2016 and then another letter following day that welcomes me for opening an account with them ( which I HAVE NEVER DONE ) and asking for my signature. So I called the XXXX XXXX XXXX ( found on letter ). I told the Citizens Bank customer service how I have never opened an account with them and requested closing the account immediately but I was told I need to provide my social security number or somehow go to their branch somewhere in XXXX to get any help. Either that, just cut the ATM card. How that solves any problem knowing that an account is opened under my name without my knowledge and permission? I believe my 2 phone conversations with them is recorded. Prior to this, I have never even heard of Citizens Bank. I read online this is a very common phishing practice to acquire new customers. It 's very disturbing and worrisome. Please help.
Product: Credit card or prepaid card

XX/XX/2021 XXXX dollars XXXX dollars XXXX dollars the bank is working on the investigation and they might reimburse the money to my account I sent money to zelle and my account is linked with my bank card and this was from XXXX some one said congratulations you are winning XXXX dollars and I will give you this money but then he said you g he ave to pay these certain fees to my account officer XXXX XXXX and XXXX total of XXXX I made these payments threw zelle and I never got XXXX but the guy blocked me off XXXX I asked him once to return back the money he never responded
Product: Debt collection

They have been calling every day for several months, looking for a XXXX XXXX, XXXX years old. I am XXXX. The person they are looking for, I believe, is from XXXX, CA. I am sick of these calls. Asking for the debt to be paid. The last incident was on XX/XX/2021. They previously called at XXXX XXXX. They call several times a day. I have Previously informed Them I want the calls to stop.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection account reported on my, consumer report. The account is currently listed by XXXX XXXX XXXX. 
I dispute the validity of this collection for the following reason : Lack of Authorization to Collect in XX/XX/XXXX According to theXX/XX/XXXX Department of Justice, debt XXXX must be licensed by the state to collect debts from XX/XX/XXXX residents. We have been unable to locate a valid XX/XX/XXXX debt collection license forXX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has violated multiple of my federally protected rights as a consumer and will now be subject to criminal and civil liability if these items arent removed immediately.the following rights were violated. 
15 U.S. Code 1611 ( 1 ) 15 U.S. Code 1611 ( 3 ) 15 U.S. Code 1681a ( 2 ) 15 U.S. Code 1681c-2 ( a ) 15 U.S. Code 1681b 15 U.S. Code 1681n ( b ) I HAVE NEVER GIVEN ANY WRITTEN CONSENT TO ANY CONSUMER REPORTING AGENCY TO REPORT ABOUT ANY OF MY PRIVATE DEALINGS OR INFORMATION. THIS SHARING OF MY PERSONAL INFORMATION WITHOUT MY CONSENT IS IDENTITY THEFT.I HAVE NOT GIVEN CONSENT TO ANY CONSUMER REPORTING AGENCY EVER. PURSUANT TO 15 U.S. Code 1681c-2 YOU MUST BLOCK ALL INFORMATION RESULTING FROM AN ALLEGED IDENTITY THEFT NOT LATER THAN 4 days. a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
PURSUANT TO 15 U.S. CODE 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.MY CONSUMER REPORT CAN NOT INCLUDE ANY PERSONAL TRANSACTIONS BETWEEN MYSELF AND ANY PERSON WITHOUT MY WRITTEN INSTRUCTIONS.BLOCK AND REMOVE ALL ITEMS LISTED IN THIS IDENTITY THEFT REPORT. The term investigative 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 he is acquainted or who may have knowledge concerning any such items of information. I request a list of all the names of all the neighbors, friends, or associates interviewed as any item listed in this report was not obtained by information from any of those individuals. 
YOU MUST REMOVE THE FOLLOWING FRAUDULENT INQUIRIES PER FEDERAL LAW : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EVERY LAST ONE OF THESE INQUIRIES IS FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency keep on reporting collections on my credit report that isnt correct From XXXX  account number XXXX it reads I have a collection of {$4800.00} past due as of XX/XX/3023./ I have a collection from TransUnion from XXXX XXXX XXXXXXXX that reads I/O a balance of {$3500.00} as of XX/XX/2023 It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Money transfer, virtual currency, or money service

New information was uncovered today. In reading the account information from Discover Bank I realized that Discover Bank violated their own policy when they processed a XXXX bank wire transfer within one month. My first complaint was that Discover Bank did not properly take ordinary care of my bank accounts by reviewing all of the transactions ( deposits and transfers ) in the months of XXXX and XXXX. My account after 12 years of consistent deposits and withdrawals. 
Savings XXXX through XX/XX/XXXX : Deposits {$16000.00} Withdrawals {$18000.00} Savings XX/XX/XXXX Deposits {$290000.00} Withdrawals {$290000.00} Now it was revealed a XXXX bank wire transfer issued on XX/XX/XXXX in the amount of {$130000.00} a day after a {$60000.00} seems to violate a Discover Bank limit of XXXX bank wire transfers per month. Also, this was to a person in XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inclusion of certain accounts in my consumer report provided by your agency. These accounts should not be furnished on my consumer report, as they are in violation of 15 USC 1681b - Permissible Purpose of Consumer Reports, specifically under ( a ) ( 2 ), which states : " In accordance with the written instruction of the consumer to whom it relates. '' I have never provided any written consent to any consumer reporting agency, which violates my rights as a consumer. The absence of consent amounts to identity theft, and as a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, I would like to draw your attention to 15 USC 1681c-2, which states : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been issued a reference number for this matter ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF ED/AIDVAnt 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I have been disputing this particular card because it was fraudulently opened using my information. I was incarcerated for 6 months in XXXX XXXX XXXX, during my time there this account was opened using my information. I did not authorized my information to be used, nor did i used this card in any of their store. They have not provided me with any of the information i have requested on multiple occasions. I have filed a police report and and FTC Report in regards to this identity theft matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Another data breach with Equifax on XXXX XXXX, XX/XX/2023. Went to try to purchase my wife a piece of jewelry and was instantly denied due to Equifax stating I am deceased. No report or credit score to show. 

Demanding {$1000.00} per account for this flagrant violation of my credit report and accounts. 

Send an updated credit report and score once the data breach has been cleared. 

We can not trust the credit bureaus with our information. Our consumer information is being exploited and flagrant violations are continuing to occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes with Transunion, XXXX and XXXX identifying accounts that were open fraudulently. I submitted reports from Identity Theft .Gov. The 3 credit reporting agencies removed some accounts, but eventually placed them back on my credit reports. The current credit card I do have is not being updated on either credit bureaus correctly. I have notified all 3 credit reporting agencies of addresses on my report I have never lived
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXXhas 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 account without my written instructions