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

XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my Credit Bureau Report with Equifax as well as XXXX. However, in this report we will address Equifax specifically. I've reached out to Equifax Credit Bureau in regards to XXXX XXXX Inquiries on my file. I have not applied to any of the following XXXX XXXX : XXXX. XXXX XXXX XXXX Credit : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX Equifax refused to remove the Fraudulent Inquiries unless I submitted a complaint with you guys, but I called a couple days prior and the representative I spoke with advised the inquiries would be removed within XXXX hours, but they were not removed. The representative even provided me with a confirmation number to confirm they will be removed : XXXX Please advise and get the fraudulent inquiries removed off my Equifax Credit Report at your earliest convenience. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair 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 XXXXXXXX, XXXX XXXX XXXX : # XXXX, Dept of EducationXXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general. after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

Equifax report suggested that I roll an existing account over to a " pre-approved '' No Ding card. When I clicked on the card to request approval I received 4 hard credit checks and multiple credit card applications tied to the one card they recommended. When I submitted a dispute they dropped my credit score yet again. My score was XXXX. Now it is down to XXXX. They are not reporting accounts that have been paid down when I submit payment documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX charged off my account for an alleged outstanding balance of {$8400.00} Following the charge-off, I was informed that XXXX  XXXX sold the debt to XXXX XXXX XXXXXXXX XXXX, a third-party collection agency. Despite selling the debt, XXXX XXXX continues to report the account as delinquent on my credit report, which I believe is inaccurate and misleading. 

I have contacted both XXXX XXXX and the new debt owner, XXXX XXXX XXXX XXXX  to address the issue. However, XXXX XXXX has failed to provide a clear explanation or remove the erroneous delinquency status. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting to be accurate and timely. 

This has caused significant harm to my creditworthiness, as the account is being unfairly reported as delinquent even though XXXX XXXX no longer owns the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( 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.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Credit reporting

I am a XXXX year old widow. I had to do a hardship bankruptcy in 2011 because I could not keep up with payments after my husband 's death. The credit reports say that I had a serious delinquency and or collections. I have NEVER been late with any payments even through the bankruptcy. I did n't want to do the bankruptcy and did everything I could to avoid it. What can I do to correct the serious delinquency charges on my credit reports?
Product: Credit reporting, credit repair services, or other personal consumer reports

Had credit report ran to obtain mortgage loan  XXXX  2017, was told I need to get dispute remarks removed. Immediately called all  XXXX  bureaus  XXXX , TransUnion, and  XXXX . Was told by each company that they would be removed. Waited 30 days and still showing on credit report. Called all  XXXX  bureaus a second time in   XXXX   2017 and waited another 30 days still dispute remarks are there. Called a 3rd time   XXXX    2017 and dispute remarks are still there. Even called creditors and no luck after being told they were removed.
Product: Payday loan, title loan, or personal loan

I purchased an Elliptical machine from XXXX XXXX on XX/XX/XXXX, with 12 months interest free financing done by Citizens One. Statement shows a charge for XXXX XX/XX/XXXX for {$2300.00}, 0 % APR 12 MO. I never received a paper statement showing when payment was due or who to send monies to. I did receive a email about statements, but it kept trying to have me set up autopay, which I don't do. Because of this, I was late on my 1st payment, but after calling XXXX to get info needed, Imade two payments in XX/XX/XXXX to catch up. All my statements showed " The current rate 0.000 % will end on XX/XX/XXXX ''. I paid {$200.00} a month to pay off the machine. My final payment of {$170.00} was posted and received by Citizens One on XXXX XX/XX/XXXX. However, I did not catch that XXXX had changed the 0 % APR pay off date to XXXX XX/XX/XXXX on the statement dated XXXX XX/XX/XXXX. I have never seen a company change payoff date in 40 years. But XXXX did it. They then were able to charge me interest of {$1.00}, which I paid and have asked for a refund. I am not a lawyer but this appears to be a deceptive practice and should be illegal. I want everyone in USA to know how Citizen One operates, so they do not get caught up in their deceptive practice.
Product: Student loan

My student loans were serviced by Navient. Circa 2012, Navient representative informed me that I needed to consolidate my loans in order to participate in the Public Student Loan Forgiveness Program. They informed me that I would need to make 10 years of consistent payments after which the balance would be forgiven. I allowed the consolidation to occur and immediately began making monthly payments. After learning of the recent lawsuit by CFPB, I transferred my loans to the Department of Education. That's when I learned that Navient deceived me and that none of my payments are eligible for the loan forgiveness program. In addition, amounts directly deposited with Navient by my employer were never credited to my account. Over the years, these amounts average a total of {$12000.00}.
Product: Credit card or prepaid card

I pay my balances every month so I do not incur interest fees. 

This month I paid the balance of the card, and 7 days later I was informed that the bank returned the incoming payment. It was not due to lack of funds- apparently there was a routing issue. 

I received a return check fee and interest fee I called and told the credit card company and they said they could not explain what happened and saw that I paid down the card to a XXXX balance but could not reverse any of the fees even though it was not of any fault of my own. 

I canceled the account and will vow never to do business with Citi for credit cards again but thought this was predatory in nature. I can afford to pay off my cards and balances but some can not. If they are treating me this way I can only image the horrors others are going through.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Bank account or service

On XXXX we went to an pnc bank to withdraw money to put on our prepaid card to reload we gave them XXXX from child support card but the bank atm a XXXX XXXX XXXX XXXX said transaction could not be completed and if took our money since then we spoke to a XXXX XXXX on the third and she said she cant help us that day but call back we then called her got on three way with netspend the company we use for the reload and they told XXXX that since the transfer did n't reach thenm and they have no record of it that they need to return the money to us and that they do not give perfisinal credits everday we have call ed and tried to get our money back they have not done so then they said can we sen a chashier check to your bank have them request the funs after they have already explained they could not we have called everyday to get our money nothing we do have the reference number is XXXX XXXX we want our money back and yes they do have it in their system it took out money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, have all 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 All of these inquires were made without my consent and I have requested verification and haven't recieved any written validations that they are supposed to be on there.
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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 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 or other personal consumer reports

I made a very large payment against this student loan. It has been 90 days and they ( XXXX ) has not reported it to the credit report agencies. I did disputes with the 3 major credit report agencies and provided documentation from the XXXX website which clearly shows a very large payment against my balance, but XXXX will not confirm and the 3 major credit reports close out the dispute without any changes.
Product: Checking or savings account

Opened a checking account at Citi about two weeks ago and put money in the account from my other bank through XXXX for an amount of {$1500.00}. I got paid XX/XX/year> because I put my direct deposit to Citi. But on XX/XX/year> at around XXXX XXXX I try to XXXX money out of my Citi account to my other bank and it wouldnt let me take it out. I tried about two more times and it blocked my online profile. I called the next day and customer service tells me they cant help me and verify me that I will receive a letter through the mail. Its I just I dont have access to my money. Its perfectly fine to send money to my Citi account but when I want to take it out they go ahead and block the online access. Bills need to be paid and Citi is holding my money.
Product: Money transfer, virtual currency, or money service

Off Set & Identity Theft & Bank Fraud By Applying Funds To Loan Without Contract While Trying To Locate My Federal Tax Refund I Call The Irs and They Performed A Check Trace. Representative Stated That XXXX Tax Refund Was Deposited In Navy Checking in XXXX XXXX. 
Now On XX/XX/XXXX I Called Navy Federal And They Advised Me That Checking Account Was Closed So They Cashed Refund Check To Pay Off Loans Someone Fraudulently Opened in My Name.

After Speaking With The Navy Federal Credit Fraud Department They Told Ne They Have Right To Off Set Account Because I Signed A Security Interest and Disclosure Granting Permission.

It Should Be Noted That Navy Federal Has Failed To Provide 1. Copy of ID Used
To Open Loan.

2. Copy of Signatures.

3. Copy of How Refund Check Was Used 4. They Never Answered Questions About Why They Took Funds Sent To Closed Account and Never Returned Back To Irs.

5. They Failed To Provide Investigative Procedure. 
6. They Are Reporting Inaccurate Information on My Reports.
Product: Credit reporting

I sent TRansunion a letter, along with my ID, in XXXX. They never responded to me.
Product: Credit reporting or other personal consumer reports

Identity theft happened in 2023 to my account. 

Capitol one XXXX XXXX I see a hard inquiry I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

The items on my credit report are unverified and I have no knowledge of these accounts.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1.XXXX  XXXX # XXXX 2. XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I NOTICED A ACCOUNT THAT IS A FRAUD ACCOUNT, THESE CREDIT BUREAUS ARE REPORTING A ACCOUNT THAT DO NOT BELONGS TO ME, THEY HAVE NO PROOF THAT THIS IS MY ACCOUNT, THIS ACCOUNT WAS OPEN NOT BY ME, THIS ACCOUNT IS NOT UNDER MY ADDRESS,,, IT WAS OPEN UNDER A ADDRESS THAT IS NOT ASSOCIATED WITH ME,,, THEY ARE VIOLATING MY RIGHTS UNDER FCRA
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. 



XXXX XXXX XXXX Acount # XXXX, XXXX  XXXX Acount # XXXX, XXXX XXXX XXXX. Acount # XXXX XXXX XXXX Acount # XXXX, XXXX XXXX Acount # XXXX, XXXX XXXX  Acount # XXXX, XXXX XXXX XXXX Acount # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Hi my name is XXXX XXXX, Someone filed an unemployment claim under my identity with the Ohio Unemployment Department. I am an Oregon resident and have been my whole life. I have never been on unemployment before. This is fraud. I even called one of the numbers on the pamphlet and the card isnt even associated with my telephone number. I made a change so it is now to : XXXX. 

Please someone contact me regarding this. You can call or email me : XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submit a complaint to all three bureaus XXXX and XXXX did their investigation and remove these fraudulent accounts off my report but experian refuse to remove them even though they are not mine
Product: Debt collection

I have recently pulled my credit and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. 

I asked for proof that I owed this debt to your agency and you are the original creditor, buying accounts for pennies on a dollar in hopes to collect the amount not owed to you is against FCRA regulations. The company Aldous & Associates is located in XXXX, UT therefore ; how are you legally able to collect a debt in my state, and I'm not notified of the debt or the exchange of debt that I had no knowledge of?

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

I filed chapter XXXX bankruptcy in XX/XX/XXXX case no. XXXX. I have made multiple requests/disputes to both XXXX and AAFES to update my credit reports to show that the account is included in bankruptcy. Although both companies received regular payments from the bankruptcy trustee, they continue to show my account status as a Charge Off and do not report the accounts as included in my Chapter XXXX plan, which will be discharged soon. AAFES even re-dated my account to make it appear it was charged off in XX/XX/XXXX with no status change to reflect that account is part of my chapter XXXX plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX some accounts were opened in my name as a result of Identity Theft. 
I only found out in XX/XX/XXXX when trying to open an account at my local credit union. 
I went to a Bank of America branch where i spent an hour and a half on the phone with other representatives only to leave with no claim filed. I later found the claim phone number and got a claim opened on XX/XX/XXXX. I was told I would be sent an email to upload information so the claim can proceed. I have still yet to receive the email. I disputed the Information directly with XXXX XXXX XXXX and the information was removed however, this information is still being reported to XXXX and needs to be removed since it is preventing me from banking anywhere other than a prepaid bank. I need this issue resolved. I have called them 3 times since and every time they tell me ill receive the email in 72 hours and of course i never do.
Product: Mortgage

Keep reporting a payment past due and has never been late. Put all kinds os fees on here and turned it over for Forclosure. Then got stuck with all the Forclosure fees, when this should of never happened in the first place. Never missed a payment with Chase.