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

Dear CFPB, I am writing to formally file a complaint regarding multiple violations under the Fair Credit Reporting Act ( FCRA ) Section 623 by XXXX XXXX XXXX XXXX and XXXX. Below, I have detailed the issues observed on my credit reports with XXXX, Experian, and XXXX. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Illegal Re-aging on XXXX and Experian : The last activity reported on my XXXX credit report is listed as XX/XX/XXXX. 
The last activity reported on my Experian credit report is listed as XX/XX/XXXX. 
Experian 's 2-year payment history shows two instances of being 60 days late, which is not reflected on XXXX, indicating a discrepancy and potential illegal re-aging. This inconsistency violates FCRA Section 623, and I request the removal of this false information immediately. 

XXXX ( Account # XXXX ) Violation of Reporting Standards : XXXX shows this account as past due, whereas XXXX and Experian both show it in good standing. 
XXXX reports the last activity as XX/XX/XXXX. 
XXXX reports the last activity as XX/XX/XXXX. 
Experian reports the last activity as XX/XX/XXXX. 
Additionally, there are numerous inconsistencies in the 2-year payment history across all three credit bureaus, further indicating inaccuracies and reporting errors. 

Despite my previous complaint, Experian only made a superficial update to the account in question. They failed to address the core issue of the differing dates of last activity among the three credit bureaus. This failure to conduct a full investigation and merely updating the information without verifying its accuracy is a violation of consumer laws. The discrepancies among the reported dates should result in the deletion of the inaccurate information as per FCRA guidelines. 

Given these multiple violations, I request that the inaccurate information be corrected or removed from my credit reports immediately. These discrepancies and reporting inaccuracies have caused significant distress and have adversely impacted my creditworthiness. I urge the CFPB to investigate these matters promptly and ensure that the reporting entities comply with the provisions of the FCRA. 

Enclosed are the documents showing the recent update from Experian, which failed to resolve the core issue. It is evident that the discrepancies in reporting dates among the three bureaus are being used to unfairly damage my credit scores. 

P.S. Experian did finish the dispute report, number XXXX, but all they did was make a superficial modification. They did not conduct a full investigation within 30 or 45 days. If they had, the inaccurate information should have been deleted. Their investigation was incomplete and insufficient. 

The names associated with the account, Name ID # XXXX and Name ID # XXXX, should have been deleted. Additionally, XXXX account XXXX XXXX should have been deleted long ago due to illegal re-aging. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Student loan

I attempted to set up a multiple payment system with Navient regarding a Private loan.When I called after exhausting all avenues of working on my own trying to set up a second payment to pay more towards the loan the company informed me that I had to make One Large payment rather then 2 smaller payments which equal the same amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple dates since XXXX I have stated to them that I did not validate any of these accounts on my credit report and since I am the original creditor, I asked that they delete them from my credit report and to send me an updated credit report with them deleted. I haven't heard anything from them in the last 60 days, and this is causing me tremendous stress and am currently homeless because of their negligence.
Product: Checking or savings account

There were numerous charges to my three different accounts. They would start as {$10.00} {$5.00} {$20.00}. As time went on they began to debit {$200.00} XXXX and the first account totaled over {$2000.00} the second account totaled a little over {$1600.00} and the third account was the worst totaling above {$5900.00}. I can now no longer get an account with this company due to fraudulent activity that I supposedly was a part of in the past when in fact it was not me it was unauthorized transactions that they refused to dispute fix or even tend to when I requested any information on why my account had been closed they never sent me a thing and instead just closed my account leaving my money missing and no resolution causing a lot of financial issues.
Product: Debt collection

I called XXXX XXXX to let him know that I had Called the another Debt collector and figured out how my account had come to his office in the 1st place and resolve the issue with them and the account holder should be contacting him soon to resolve the issue he then got very short and angry and started yelling and being very nasty And threatening that they amount would go up and then hung up on me
Product: Mortgage

I 'm being told I owe Home Owner Association fees as well as outstanding property tax from XX/XX/XXXX-XX/XX/XXXX even though the property was charged off XX/XX/XXXX by Chase Mortgage. I have a copy of the Cancellation of Deed that was filed XX/XX/XXXX at the County Court House which was also filed by Chase Mortgage. However unbeknownst to me I 'm still showing as the current owner of the property and responsible for all the late fees. This derogatory blemish was scheduled to come off my credit report this year.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inaccurate inclusion of a XXXX  on my credit report. I have obtained an official letter from the court that clearly states this XXXX  should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately. 

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to rectify it
Product: Debt collection

This company is attempting to collect a debt that is not mines. They are trying to collect damages for a shared student housing space. And they are trying to collect damages for not contacting them about moving out. 

I both provided a timely notice that I was leaving. And I also, filed a formal complaint about the other residents that I was forced to live with and the housing being in dis-repair.
Product: Debt collection

I was taken a look at my credit karma report and I see a collection debt account for {$330.00} from RBC for XXXX XXXX XXXX I have no knowledge of this company account with RBC or any radiology taken in XX/XX/2017 This is only collection account on my credit report and i would like it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Laws to Use to Remove Collections : Collection Agency has not provided validation Information under 12 CFR 1006.34 ( B ) ( 5 ) but yet they placed a collection on your consumer report You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Debt collection

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the following items listed down below, as it is incorrect and does not reflect my true credit history. 

Account Number Reporting : XXXX
Product: Student loan

15 years ago I went to school when my wife and I had gotten married and we had our XXXX child. I decided to take a step further and a passion that I love and went to a place called XXXX XXXX which was a one-year course. The amount of money was for the course and I took XXXX Stafford Loans out along with the federal student loan for the college that I would have to repay after graduating. College was non-transferable to actual college credits and upon graduating found out the counselor was not doing their job and actually throwing away our resumes and never did job placement. I denied wanting to pay for the college because they did n't follow through with their end of the bargain which they told me they never had to find me a job. I accrued roughly about {$14000.00} worth the debt give or take. I will submit documents to you showing how much money I 've actually paid in. While I did not pay I went into default after going into default I tried to regain structure of the loan it 's been passed off to several different lenders and ended up in the Department of Education hands and they put it in the hands of progressive Financial Services. I paid on it for one year and got myself out of default and then I became ill and was not bringing in very much money at the time therefore I stopped paying on the loan. Times got hard and it caught up with me then became a garnishment and they take up to 26 % sometimes out of my check also income tax garnishment over the years this has created a serious financial hardship amongst our family while we struggled to make ends meet it put a lot of stress on the marriage. I am now in the process of a divorce with XXXX kids and no longer make it on the amount of money that I received for just myself with the deductions out of my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not allowing me to dispute hard inquiries on my credit report even though I DID NOT authorize them and I have spoken with each inquirer and they have stated that they would request that the inquiry be deleted. But XXXX IS NOT doing anything. 

The inquiries are XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX SYNCB : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX  XXXX, Has violated my rights. 
15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my Written instructions
Product: Checking or savings account

Wells Fargo has charged my account numerous overdraft fees while my account was low on funds. My complaint is not for being charge but for the continuation of repeated charges after the initial charge. If the account has been over-drafted why continue to charge the consumer instead of blocking the account like other banks? I feel that it is predatory that they are allowed to continuously charge an account multiple times once it is in a negative status.
Product: Debt collection

I had a duplicated account created in error by XXXX and this account got forwarded to ERC. I have been disputing this debt for over 2 years and they refuse to remove it from my credit report. I got ahold of XXXX and they self credited the account for {$100.00} and made me aware that they would inform ERC of their mistake. I have spoken to ERC and they only give me the run around stating they have let the credit reporting agencies have the updated information. Yet as of XX/XX/2017 they are still reporting this as a valid collection. I spoke to XXXX and they say that ERC is the one that refuses to send them a release of obligation therefore they can not erase it. Between ERC and XXXX they keep putting the blame on one another. Please investigate.
Product: Checking or savings account

I need my bank info updated as soon as I make a transaction so my XXXX XXXX is up to date
Product: Credit card

My card was flagged for " Fraud Protection '' by Synchrony Bank. They forced me to take a picture of my state drivers license front and back and scanned the bar code. Then they forced me into Facial recognition and to record a 5 second video. After submission I received a code that I needed to call back with. After giving it to the agent they then proceeded to verify my charges. They would not restore service to my card unless I complied. They gave me 3 choices. 1 Do this process 2. Agree to a usail process which wpuldntake 10 days or 3 No card usage. I have documented the process qith print screens. They would not tell me why I had to do this just that the " System says I have to ''. I asked a supervisor if AI is being used and she would not confirm or deny. I would like them investigated thoroughly and properly fined as well as criminal charges brought if possible.
Product: Student loan

I recently submitted an employment certification form to MyFedLoan for the Public Student Loan Forgiveness program after consolidating my student loans. The guidance from DOE and in student aid.gov on the waiver announced in XXXX clearly states that payments made pre-consolidation will count toward PSLF. Today I received a letter stating theyve reviewed my recent employment certification and update payment counts. The letter specifically states they have applied any additional payments that would count under the waiver. However, that statement is a lie as the letter shows I have 1 qualifying payment when I had over 60 payments documented toward the program prior to consolidation. MyFedLoan continues to mislead borrowers on forgiveness.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 1681 ( o ). The information in question appears to be incorrect and I request that it be investigated and corrected.

The disputed information is as follows : Account Name/Number : BANKRUPTCY Nature of Discrepancy : [ inaccurate information is being stated in my credit report ] Under the FCRA, I am entitled to a fair and accurate credit report. The information provided in my report is causing reduction in XXXX XXXX and denial for mortgage, and I request that you investigate this matter promptly In accordance with the FCRA, please provide me with the following : A full investigation into the disputed information. 
XXXX of the accuracy of the information reported. 
A correction or removal of any inaccuracies identified. 
Written confirmation of the outcome of your investigation. 
If this issue is not resolved in a timely manner, I will consider seeking legal recourse for damages under FCRA 1681 ( o ), which provides for civil liability for willful violations of the act. 

Please acknowledge receipt of this dispute and inform me of the status of your investigation within the XXXX period stipulated by law. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In according to the fcra Section 605B it is is illegal to report information on my credit report without my permission thank you please remove this from my credit report now. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Clarification of Loan Reporting by XXXX XXXX XXXXXXXX and XXXX Dear Resolution Department, I am writing to address an issue with the reporting of my student loan accounts, which I believe requires clarification. It appears that the same loan is being reported under two separate entitiesXXXX XXXX XXXX  and XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ). 

XXXX XXXX XXXXXXXX and XXXX are effectively the same organization, with XXXX serving as the loan servicing entity. However, the current reporting reflects them as separate loans, inaccurately duplicating the account information. 
To resolve this matter, I kindly request the following : Confirmation of account details : Please confirm that the loan serviced by XXXX XXXX XXXX, as reported by Equifax under account number ending in XXXX with an outstanding balance of {$120000.00}, and the loan serviced by XXXX under account number ending in XXXX with the same outstanding balance of {$120000.00}, are indeed the same account. The current reporting makes it appear as though I have two separate student loans with a combined outstanding balance of {$250000.00} when, in fact, I only have one loan with a balance of {$120000.00}, serviced by XXXX ( formerly known as XXXX XXXX XXXX ). 

Correction of duplicate reporting : When XXXX XXXX XXXX transitioned to XXXX, the credit bureaus failed to delete the old account and are still reporting it under XXXX XXXX XXXX  Equifax continues to report the incorrect information for the account ending in XXXX, which no longer exists. Instead, XXXX replaced the account with a new account number. Despite my previous dispute communication to Equifax, this error has not been corrected. 

Update of credit records : I request that the duplicate reporting be corrected to reflect only one loan and that the relevant credit reporting agencies update their records to ensure accuracy. 

This discrepancy has caused significant confusion and negatively impacted my credit score and debt-to-income ratio, hindering my ability to apply for a home loan. I appreciate your prompt attention to this matter and look forward to a resolution. 

If you require additional information or documentation to verify my account, please do not hesitate to contact me at XXXX or via email at XXXX. 
Thank you for your time and assistance. 

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

I disputed multiple items. The account dispute center shows outcome PDF. Some of the dispute PDF are accessible and will open, but the other half show document not viewable. 

I called Equifax 8 times on different days and times. Only once have I spoken to someone who could attempted to help and she said there was nothing she could do to help. 
7 of the times I spoke to a rep but told to call back. 

I would like to view the outcome of the dispute. 

I also called to add a personal statement to the disputed items, but told they couldnt help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

EDD had to verify my identity back in XX/XX/2020. They advised Bank of America to freeze my account until I verify. Ive verified my identity with them on XX/XX/2020. My account is still frozen with $ XXXX still on the card almost one year later. I keep getting the run around with both companies.
Product: Debt collection

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In XXXX, a XXXX XXXX XXXX Employee had fraudulently opened a checking, savings, and credit card account without my authorization, this account then moved to collections department and eventually sold downstream through collection agencies to SIERRA MANAGED ASSET PLAN LLC which have been attempting to collect since XXXX, where attempts to serve a notice to a previous outdated address resulted in the court moving forward to a judgement against me, my wages were garnished in the amounts of {$940.00} from a previous employer and {$1400.00} I have attempted to reason and explain the situation with the representatives of SIERRA MANAGED ASSET PLAN LLC to drop the collections attempt of a fraudulent account and return my funds they have taken from me.
Product: Mortgage

I have attempted to make payments online but due to the fact I am considered behind, the online system DOES NOT allow payments. You have to call an agent and make a telephone payment, sometime difficult. I have tried doing a remodification, made the payments but told I was defaulted and payments would not be accepted. 
I have attempted ANOTHER re-mod but was told my income is " insufficient '' ( even though my yearly income is $ XXXX ) and was not given any explanation or proof as to why they consider my income insufficient. 
I believe their practices are ensuring my account goes to foreclosure or short sale