23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Have been trying to get Aidvantage to put me on the SAVE plan since early XX/XX/year> ( I was approved on the fedloan.gov end at that point and Aidvantage was supposed to have that updated on their end shortly after ). Every time I have called since then they claim they need to put me on forbearance while they add me to the plan and it would be updated the next month, only to come out of forbearance not in the SAVE plan. This seems intentional at this point since I have been trying to get them to correctly put me on the SAVE plan for the last 6+ months. Getting ahold of Aidvantage to even speak with them is also an ordeal as the wait times often exceed an hour and have been hung up on immediately on multiple occasions.
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this grumbling to LVNV FUNDING LLC. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Credit reporting or other personal consumer reports

Called to XXXX customer service to update confirm correct address, and was told to report address as fraud listed on credit report. I've never lived at these addresses. 

XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, account # listed as : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX account # listed as : XXXXXXXX XXXXBridgecrest, an online dealership : Account number listed as : XXXX, amount listed as : {$25000.00}. Account does not belong to me, reporting as fraud. 

XXXX XXXX  : Online pay lender : Account numbers listed as : XXXX {$1600.00}, XXXX {$3000.00}, XXXX {$5000.00} all listed on credit report. Accounts does not belong to me, reporting as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts : KOHLS DEPARTMENT STORE # XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX  XXXX # XXXX, XXXX/XXXX  XXXX # XXXX, XXXX/XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX # XXXX. The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to opt-out of my info being shared. I have not benefited from any of these transaction. Please block, delete and remove them immediately from my consumer report. The following account is incorrect : CREDIT COLL Account Number XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 4 months our electronic auto draft for our VA home loan was canceled. This put us behind two months, we did not find this information out until we received a paper letter at a family members home ( XX/XX/2019 ). The amount was drafted every month, there was no change in banking information or accounts. Upon our payment we were hit very hard on our credit score. We tried to talk to the company about the reporting after the completion of the payment in full. Is there any way to assist or can anything be done about the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I disputed an inaccurate account on my Equifax credit report by sending Equifax in writing, proof that this account is not my account. I have called Equifax a total of three times and I have sent Equifax a total of five letters. I have never done business with the company that reported this inaccurate information. I have never had any communication, agreement, account, or contract with this company that has reported this inaccurate information. Equifax has stated that they would correct my credit file within 30 days based on the fact that I sent them proof and I am a victim of fraud with a freeze on my credit file. Equifax is in violation of the 1681n Fair Credit Reporting Act ( FCRA ). They are violating and recklessly failing to follow reasonable procedures to ensure accurate reporting. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. As a result of Equifax allowing this erroneous information to remain on my credit report without SIGNED PROOF that it should be there for over 30 days, my credit score has plummeted HUNDREDS of points. The following information therefore needs to be deleted immediately. I have sent Equifax my final standing satisfaction for my property and have requested an immediate and expedited deletion of the entire XXXX XXXX XXXX XXXX account from credit report. Anything provided by XXXX XXXX XXXX XXXX is fraudulent and without standing. 

Please note : that XXXX and XXXX  both were given the same letter and proof and delinquently removed this account from my report within 3 days!
Product: Credit reporting or other personal consumer reports

I informed Equifax that the following items were unauthorized inquiries and asked them to investigate. Equifax did not investigate, nor did they respond to my follow-up dispute. Equifax did not provide me with any documentation to support these erroneous inquiries : XXXXXXXX XXXX XXXX XXXX  XXXX, Inquiry Dates : XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022,
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX : XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 con
victions 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

I deposited {$3500.00} on XXXX XXXX In XXXX XXXX XXXX to : XXXX XXXX XXXX XXXX. 
Wire # XXXX Account # XXXX The person name is : XXXX XXXX XXXX and phone number XXXX Since then I tried to call him many times he doesn't answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violtions : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX POST OFFICE BOXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX Account Number XXXX Account Type Lease Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

This account is fraudulent as my information was involved in an XXXX XXXX and I need it removed according to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a bank checking account and was declined of the application. I asked the banker why and was informed that I had numerous chexsystems listed. I had a report issued to me and noticed there is accounts that did not belong to me listed on them as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX  is only credit reporting 30 days late on XXXX XXXX account. I have contacted the creditor and they sent information to all 3 credit agency that my account was never late. 
XXXX and XXXX corrected and updated my account information. 
I have written letters to XXXX to remove lates because that is not accurate information. But have not been able to get this resolved.
Product: Vehicle loan or lease

The car was totaled by the insurance company. 
XXXX XXXX did not honor their gap policy and a balance was due. 

They sent a " XXXX XXXX '' Settlement letter in XXXX in which I had XXXX  days from the date of this letter to respond, with hurricane XXXX things got delayed. 
I called on XX/XX/XXXX and was told this is no problem we understand how the mail can be. We will accept your payment of {$900.00} and close your case. " This was on a recorded line through them '' Since then they have stated it was not accepted for payoff and want me to pay more now. 
They are reporting to the major credit bureaus which is having a bad impact. This payment should only be truly XXXX  days late and also settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found collection accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX that claim I owe them money. I have never signed any contract with these comapnies and request to have these permanently removed from my credit report.
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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Repossession : XXXX XXXX XXXX  XXXX Balance {$4700.00} ; Accounts included in Bankruptcy : XXXX XXXX NEVADA, XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; Collection : XXXX XXXX XXXX XXXX Balance {$1600.00} ; Public record : XXXX XXXX : Bankruptcy Reference Number XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a follow up complaint to you today with regards to the issue that I presented on XX/XX/XXXX. I visited FEDERAL TRADE COMMISION website : https : XXXX and filed an identity theft report, and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts, inquiries and erroneous personal information which were being posted to my report. Here is the list of items which were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Credit reporting

After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify all items.This debt collector did n't have any of information correct and you are reporting the same incorrect info, dates etc .... according to the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : XXXXThe data you seem to be verifying has been sold to a dept. collector who has gone out of business, then purchased by another dept. collector who has purchased my personal information without my permission. I have no such of any kind of contract with this furnisher. I think that it is appalling that you insist on reporting derogatory and false information on my file. I am asking you to provide me with all documents to support this data. Your dates are not accurate, in question, nor or the amounts being reported. Please provide me in full detail, data that support this. I will pursue further actions in a timely matter against this derogatory data. Please delete this data immediately. I have nothing to do with that account. The furnisher has mailed me incorrect data with my information being wrong. 
As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than XXXX days after receiving this request. I appreciate your handling of this request in a timely manner. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the lack of response to the disputes I submitted to your agency regarding inaccuracies in my credit report. On XX/XX/year>, I sent formal disputes to XXXX, Equifax, and XXXX outlining specific inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) concerning my consumer report. 

Despite the statutory requirement for a response within 30 days, I have not received any acknowledgment or resolution from your agency. Attached are copies of the letters sent for your reference. 

I urge you to promptly investigate these disputes and provide a comprehensive response in accordance with the FCRA. Failure to do so may necessitate further action to ensure compliance with regulatory standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report.I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My brothers information is being shown on my credit report and his name is being used on my social security number
Product: Debt collection

I notified LVNV in 2017 that a debt that were billing me for was not mine. They ignored all correspondence. The debt was bought by XXXX XXXX and they have since won a judgement against me. My pay is currently being garnished. XXXX XXXX XXXX has sent notices to the court and my employer without my knowledge. I received the notice of garnishment from my employer. Then days later in the mail I got notice from XXXX. This gave me no time to file an exemption. I am owed the exemption since I earn less than {$750.00} a week. And am Head of Household. These are shady practices all to the benefit of LVNV and XXXX XXXX. All the paperwork and the garnishment of wages should be thrown out since I was never given a chance to file an exemption. They have my name spelled incorrectly and the dates are all over the place.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX - repossession- XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are too many dates to list but i have on multiple occasions contacted XXXX  reguarding information on my credit report. i have sent them this exact letter " letter below '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 



" END LETTER '' underneath that i included all accounts i wanted verified and on a second page of the letter photo copied my drivers license and social security card on it it and had it notarized and sent two copies. one regular and one certified. 
i sent this letter more then 10 times to which they would reply later then 30 days and there reply would only be a copy of my credit report, when i would call on the phone i would get no support they would say all accounts were verified and provide me with no additional information, i requested to know verified by who, by what means, i asked for a copy of the contract, and asked to see validation setforth by the federal guidelines. 
i have sent requests to remove old personal information aswell to which this bureau is in no way shape or form in compliance to my demands or requests. now i have reviewed the fcra and the fdcpa and the laws are extremely clear, yet transunion seems to willfully non comply
Product: Debt collection

I received a letter from Professional Account Management LLC, a debt collector, regarding an account that was turned over to them for collection. On the letter it says I'm legally allowed to dispute the debt in writing but it is not clear how the dispute should be addressed or where it should be mailed to. The company does not answer their phone number, and there is XXXX information on their website explaining how to dispute debts, or alternative contact information. You can only pay.