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

XXXX XXXX XXXX has sent me an update for the 3rd renivestagation of an identy fraud case after i have requested the documants that they are using to do the reinvestigation many times nothing had ever been even they only re add the collection to my account after the collection agency sent a letter for them to remove the id fraud case is part of the same account they keep adding also i have signed up for thier service and they will not give my scores they continue to ask for payment. I have canceled the service and my information even on the free site is not there i sent many cert mail and called them many times to have the information given this is a violation of my rights INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX, Phone number not available ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$28000.00} Date Updated : XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$0.00} ) Last Payment Made : XX/XX/XXXX High Balance : {$32000.00} Original Charge-off : {$34000.00} Past Due : XXXX $ XXXX Pay Status : >Charged Off< Terms : {$0.00} per month, paid Monthly for 80 months >Maximum Delinquency of 120 days in XXXX Remarks : DISP INVG COMP-CONSUM DISAGRS ; >UNPAID BALANCE CHARGED OFF< Date Issued : XXXX XX/XX/XXXX Page XXXX of XXXX INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
LVNV FUNDING LLC # XXXX ( C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX, XXXX, SC XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated. Here is how this account appears on your credit report following our investigation. Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$22000.00} Date Updated : XX/XX/XXXX Payment Received : ( {$0.00} ) Original Amount : {$22000.00} Original Creditor : XXXX XXXX XXXX XXXX ( Financial ) Past Due : XXXX $ XXXX Pay Status : >In Collection< please see att proff of comany request to deleted also those company are not legally allowed to collect debt in florida
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello There is a lot of incorrect information showing on my credit report and after investigating I was able to confirm that I had the right to send my complaints via letter to the Credit Bureaus, well I must say im not happy with the way this has been handle since I always try to get in touch and I either get ignore or adviced that there will be an investigation open and no result its provided, its been months since i've been waiting for an answer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed off a personal information letter through certified mail and had it notarized, to Experian letting them know what information of mine was correct and what wasn't. by tracking the certified mail I was able to see that Experian received my letter on XX/XX/year>. I have not received a response from them yet.My information has not been updated.
Product: Credit card or prepaid card

I applied for credit and was denied, my denial letter is proof I was discriminated against. Barclays should recitify this affair and compensate me for the use of social security number. Otherwise this would be considered unauthorized use as I have received no benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Victim of identity theft. 
I did not give Consent to open any accounts using My personal information. this is fraud I'm upset about the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent accounts 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXXXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX
Product: Credit card or prepaid card

I am writing today in wish to obtain your help. Currently I am working on examining my credit, paying down my balances, and working toward greater credit worthiness. You play a significant role in this procedure. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2017 and I am writing this in order to get this remark retracted. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.
Product: Debt collection

This is a major inaccuracy showing on my credit report that there is a past due amount of XXXX reporting on XX/XX/year>
Product: Credit reporting or other personal consumer reports

I was dismayed to discover unauthorized inquiries on my credit report this morning, with no clear reason for their presence. I check my credit report regularly, but this time, discrepancies appeared out of nowhere. After refreshing my browser to rule out a glitch, the inquiries persisted. This issue is deeply concerning, and I ask that the documents Ive provided be examined thoroughly to ensure it is resolved promptly.
Product: Debt collection

XXXX XXXX XXXX is reporting incorrectly to Experian a collection/charge-off in the amount of amount of {$6600.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) First, this account is currently coded as an I9 and needs to be coded as an I1, reporting a {$0.00} balance and {$0.00} past due. I was a small business  owner and was lied to and aggressively pursued by a salesman representing XXXX XXXX XXXX. I was told by the leasing agent for the company that I could at any time within ( 3 ) business days void the lease agreement. The lease agreement was signed on XX/XX/2014. One day later, on XX/XX/2014, I faxed the Notice of Cancellation back. ( Please note the date of the fax highlighted on the upper left corner of the Notice of Cancellation. ) This shows that I did cancel the contract well within the ( 3 ) day time frame. Second, please look at the bottom left of the highlighted portion on the Notice of Cancellation. You can clearly see that the date, along with my signature, has been whited-out. This Notice of Cancellation document has been altered to make it appear as though I never signed it. This is further evidence that XXXX XXXX XXXX has not only misrepresented the cancellation policy as outlined, they have manipulated the document. This is fraudulent and therefore the collection/charge-off is completely unsubstantiated. I do not owe any sum of money to XXXX XXXX XXXX. Second, I request that Experian remove this line item from my credit report and/or change the coding to an I1 and accurately report a {$0.00} balance and {$0.00} past due. Also attached is a copy of the multi-million dollar class action lawsuit filed against XXXX XXXX XXXX. This too is further evidence that their illegal practice of duping small business owners was, in fact, illegal and fraudulent. I have tried to contact both XXXX XXXX XXXX and Experian to fix this however, I have not been successful. This false reporting of a collection/charge-off is seriously harming my credit score.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit several of my direct deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my credit card account with XXXX XXXX XXXX on XX/XX/XXXX, and I closed my account with a {$0.00} balance on XX/XX/XXXX. I expected my account status to be updated with TransUnion as closed at that point. On XX/XX/XXXX, I received a report from TransUnion after having some credit inquiries as part of a refinance on my home mortgage and discovered that my XXXX account was still reporting as Current ; Paid or Paying as Agreed and that it still showed a {$15000.00} balance. But the last payment was reported as being made on XX/XX/XXXX. I was hoping it would fix itself on its own and that my report would be updated. When I checked again at the beginning of XX/XX/XXXX, I saw that the account still had not been updated as Closed with a {$0.00} balance. I filed a dispute with Transunion online about the account and explained the changes that needed to be made. They did update some other information, but they verified the XXXX credit card account information as Accurate, according to the Investigation Results that I received on XX/XX/XXXX. The XXXX credit card account information was still INACCURATE, so I opened another dispute for this same issue. I called my bank, XXXX XXXX XXXX, and verified with them myself that the account was indeed closed and I asked them to re-send this information to TransUnion. I also sent TransUnion a copy of the last credit card statement I received from XXXX stating the date the account was closed and showing a {$0.00} balance on the account via postal mail. In response to this dispute, TransUnion sent me back Investigation Results dated XX/XX/XXXX saying they verified the account again as Accurate. They received information from me saying the account had been closed and they are still reporting the account as Accurate, even though the information they have is grossly inaccurate and out of date. I called TransUnion again on XX/XX/XXXX and spoke with XXXX about the XX/XX/XXXX results. She said they verified the information from XXXX as accurate. I spoke with XXXX at XXXX XXXX XXXX on XX/XX/XXXX and he said that after I had called them in XX/XX/XXXX, on XX/XX/XXXX, they did a credit audit on my account and verified that it was closed and paid off and said they had reported that back to TransUnion. They also updated XXXX today, XX/XX/XXXX showing that my XXXX credit card account is updated as paid and closed. I want this fixed immediately. It is inexcusable that TransUnion is still reporting inaccurate information as accurate even after they have been furnished information that shows otherwise.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : 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 XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$20000.00XXXX XXXX XXXXXXXX Balance : {$20000.00}
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 XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has two accounts shown, US DEPT OF ED/XXXX XXXX XXXXXXXX, XXXX 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
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$26.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I had a debt of {$310.00} to an appartment complex due to a randomly assigned roommate smoking in the apartment and me being charged with a smoking fee. I refused to pay because it was not legitimate but fast forward a couple years and now I am looking to buy a house. According to my lender, simply paying the debt would not raise my credit score but having it removed from all 3 major beauros would raise my scores significantly. I explained this to the representative with whom I talked about payment of the debt. I agreed to pay on the condition the debt was removed from all 3 major beauros. I checked their website for a confirmation and the letter only showed the debt as being paid off, not removed. I called back and they claimed that they can not put the removal in writing as it is against their policy for some reason. When I asked for copies of the phone recordings in order to see if they mentioned this before the transaction they refused to send copies. So now I have no proof other than their word that they actually removed the debt like they claim to have done and am forced to wait 60 days which means I could miss out on an opportunity to buy a home before I have to re sign my apartment lease ( different apartments than the one that charged the smoking fee ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Jefferson Capital Syst continue to report an allege debt that does not belong to me. I previously disputed this information and it was verified but no evidence was given for me to inspect to verify that a reasonable investigation was done to determine that I have an obligation under federal law to pay this debt. I did not receive any notice of my rights to dispute this debt before it was added to my consumer report and transfer and assignment of an instrument does not XXXX you collection rights. If your policies and procedures override federal law provide me with the documents used to determine you do not have follow federal guidelines.
Product: Credit reporting or other personal consumer reports

Complaint filed XX/XX/year> with cfpb XXXX. My identity was stolen and was used to establish an account with Experian as well as XXXX credit bureaus and two banking checking accounts XXXX and XXXXXXXX XXXX. I have been able to contact and cancel these fraudulent accounts with all but Experian. There is apparently no way to contact a real person at Experian and there automated online and phone systems can not resolve this fraudulent use of my information with Experian. I believe the account with Experian using my name, DOB, SSN and address is still capable of being accessed by who ever created it with Experian. I would like to speak with a Experian fraud investigator or company representative who can help resolve this fraudulent access to my Experian credit bureau information and account they have created. I deem this matter as extremely urgent as they still have access to my Experian information. Please respond and help me resolve this matter.
Product: Debt collection

Kimball , Tirey & St. John LLP is attempting to collect an alleged debt but has failed to provide legally required debt validation despite multiple certified mail requests. The consumer, XXXX XXXX, has formally disputed this debt three times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via certified mail with tracking numbers, requesting proper validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite these documented validation requests, Kimball , Tirey & St. John LLP has failed to provide legally sufficient debt validation, continued to report the debt to credit bureaus without proper verification, and claimed to have mailed validation letters without providing verifiable proof of delivery. In response to the previous CFPB complaint ( Complaint ID : XXXX ), Kimball , Tirey & St. John LLP asserted they mailed validation documents, but no certified tracking numbers, receipts, or legally binding proof of mailing were provided. Mere mailing does not satisfy debt validation requirements under federal law. Additionally, the company irrelevantly referenced a separate dispute involving XXXX XXXX XXXX, which is not related to this case and has no bearing on their legal obligations. 

The consumer requests immediate CFPB intervention to hold Kimball , Tirey & St. John LLP accountable. The company must provide verifiable tracking numbers, certified mail receipts, and sworn affidavits for their claimed debt validation mailings. The unverified debt must be removed from credit bureaus within 15 days or penalties should be imposed. Given the companys repeated failure to comply with FDCPA and FCRA, the CFPB should impose regulatory sanctions and pursue the maximum penalties, fines, and legal actions against them, including revocation of their ability to collect debts if applicable. 

If the company fails to comply immediately, the consumer will file additional complaints with the CFPB, FTC, and California Attorney General and pursue legal action for damages due to their continued violations of federal and state laws. The CFPB must take immediate enforcement action to prevent further consumer harm.
Product: Credit card

Kohls Credit Card - Late fees added XXXX times, for only XXXX late payment ( one day because of the time zone difference ) method of refunding late fees taken off the total balance ... still leaving the increased payment that has to be paid or get ANOTHER late fee, etc, etc, etc. 
I have been trying to resolve my account for the past few months ... I retired from my job and moved since XXXX, and since my income is now reduced and I am a senior on a fixed income, I have n't been able to get wifi in my home yet as I am still paying off moving expenses. I ended up making a payment in XXXX 1 day late because of the time zone difference ; when I logged in later at the public library to check on my account I saw I had been charged a late fee. I called to let them know the circumstances, but by then they had tacked on another late fee because I only paid ( on time ) the usual payment of {$39.00} and it had evidently gone up to {$64.00} with the late fee, which then made my next payment {$99.00} ... so I called and talked with several CS reps and finally was able to get the fees refunded and the payment back to {$39.00} as I double-checked with the rep I was talking to, XXXX, I think. Well, I made my {$39.00} payment and now they say I owe XXXX! I very frustrated! ( This is the message I sent Kohls online cs message center ) ( this is what they wrote back ) CompletedMemo : Thank you for contacting us regarding the minimum payment for your Kohl 's Charge account. I appreciate the opportunity to review your concern. Upon review, I have found that your payment was due on XXXX of each month. Please be aware that late payments may cause your minimum payment to be higher. Additionally, the minimum due is the sum of 1 percent of the balance plus the periodic interest charge and late fees billed on the statement for the minimum payment is calculated or XXXX dollars ( or the total balance if less than XXXX dollars ) whichever is greater. I hope you find this information helpful. We look forward again to serving you again.
Product: Student loan

Navient has unrightfully denied my attempts to join an income-based payment plan. I have submitted the necessary paperwork 6 times. I have been denied, for various and illegitimate reasons, all 6 times. 

I called Navient Customer service the last time my application has been denied. I was told that the reason I am being denied was because I did not add the words " Gross Income '' to my written Income Statement ( the statement that accompanies the proof of income. ) I was told that after fixing this issue, all my paperwork would be acceptable. Thus, I fixed the issue, yet I was still denied. 

Navient is seems determined to continue to deny my attempts at an Income-Based Repayment Plan, despite the fact that a W.V. XXXX XXXX CAN NOT afford the high, standard payments.

I have been forced into forbearance, until the matter can be resolved.

The only email I have ever received : " We've received your request for an Income-Driven Repayment plan ; however, we're unable to process your request at this time because the proof of income you submitted did not clearly indicate the pay frequency ( i.e., weekly, bi-weekly, monthly, etc. ). In the meantime, please continue making your payments as scheduled. '' ***My last Income Statement is included. Along with this written statement, I have submitted a pay stub from XX/XX/2017, and an application for Income-based Repayment. ***
Product: Checking or savings account

I suppose to get XXXX from XXXX and direct deposit from chime and chime has not disbursed my funds my funds should have been available XX/XX/22 and chime will not give me any information on my direct deposit I have spoken with XXXX over 7 times everything is processed on XXXX end it's chime who is holding my funds I have to find me a place to stay because my funds has no been disbursed to pay my rent