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

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXXXXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX  XXXX XXXX BALANCED {$15000.00} XXXX XXXX BALANCED {$0.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have asked a few times from experian to fix an address they have on my credit report but they said it can not be removed that it goes with an old account. 

I have told them I have never lived at that address and when I XXXX the address it is a business. 

I have asked for help online, over the phone, and now I am asking the government to be aware that I have a problem. 

The address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX I am sure this is a mistake on their end and I know I am entitled to a correct and error free credit report. Please fix this with bringing this to the attention of the CFPB. 

With a little research the law 15 USC 1681e ( b ) states I should have the maximum possible accuracy according to the FCRA. This address does not nor the account its tied to!
Product: Debt collection

In XX/XX/XXXX Phoenix Financial contacted me about a medical bill after the very rude representative gave me the information I explained to her that another collection company tried to collect on this same Debt in XX/XX/XXXX and that original bill was only {$100.00} and it was paid in full. I still have the letter that I requested from XXXX that I sent to the first company, I can fax to you. She was very nasty and said we will see. I faxed her the letter dated XX/XX/XXXX along with a copy of my medical claim from my insurance company showing the original amount was only {$100.00} not {$410.00}. She informed me they brought this debt and I stated you brought bad debt because this never made it to collection and it was paid in full. I dont know how you all even got my information l. The original company was not a company that XXXX Maryland states they used for collections XXXX Maryland states they never heard of them. I also sent a second fax XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX are not my accounts. Also delete hard inquiries XXXX XXXX and XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

Trans union XXXX XXXX still showing a balance on a credit card from XXXX XXXX XXXX XXXX that i already paid off. and i need that account deleted from my credit report. As the bank agreed to delete. Thank you. i would greatfully appreciated. i've Gone through a financial Hardship And This Would Help Me With My Credit in the future. Thank You So Much.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights. 

Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX  XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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: Student loan

I have tried multiple times to reach EdFinancial and have requested at least two callbacks, one of them over a week ago. Based on the stated wait time they should have already called me back. I have spoken to a representative at the federal government who confirmed that I had submitted my SAVE application but the EdFinancial website still says I owe {$2500.00} in XXXX. That is also earlier than the grace period should have ended since I just graduated from law school, and my SAVE payment is supposed to be {$0.00} based on my tax statement from last year. I actually had a really good experience calling the government line but EdFinancial is impossible to reach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, 2023, XXXX credit bureau collided with XXXX Account XXXX ( a fraudulent company ) to harm my financial reputation. 

XXXX allowed XXXX to reopen a closed account to deliberately affect my XXXX XXXX. 

This account has been challenged as fraudulent, and a cease and desist order has been placed upon them. 

They violated such order by contacting XXXX to update my credit profile without deleting the identity theft information.
Product: Student loan

I am writing in hopes this does not happen to anyone else, and that my problem is ultimately handled fairly. In XXXX XXXX I refinanced my MEFA loan from XXXX ( now XXXX ) using XXXX XXXX. There was an overpayment of $ 600+ paid out by XXXX XXXX , and my loan today is being charged with interest including the amount. It is now XXXX, and Im now hearing new reasons for delays. Im hearing by each company there was no error. No one wants to take responsibility for their role in mishandling my money. I reached out to XXXX and XXXX XXXX with multiple calls and Hours of time being told one thing would happen, and it wouldnt. I hear conflicting reasons why things are happening. Such as on XXXX XXXX I was assured a check was going to be sent to XXXX XXXX- a SECOND time- and a Supervisor would connect with me- I gave my phone number. No call or message to me. I was not explained during this phone call why when I called in XXXX the check had not been sent originally. And I had already called in XXXX to hear the check takes XXXX days, so I called again after 45 days, a conference call btwn XXXX XXXX and XXXX I believe XXXX XXXX. No one even then after a delay could explain why the check had not been sent. I was told it was going to be looked into. That I should call back. No one had answers. After the XXXX XXXX call, I received a check finally XXXX XXXX That can not be deposited due to how it was written- my name is in the address line and my father as a Coborrower in the name. Even if my father and I had an account together, it is not an acceptable form as written. AND we were told on conference the check wouldve sent to XXXX XXXX. So XXXX I call and speak with a Supervisor from XXXX who explains she will get back to me soon and does not know why this happened. Called today XXXX XXXX and she explained the delay is because they could not track the electronic transfer from XXXX XXXX. So Ive now XXXX XXXX made a third conference call with an XXXX supervisor who explained to XXXX XXXX what is needed- proof of statement, so it will be emailed to XXXX by XXXX XXXX. Im explained this process back and forth to have the check reissued will be another week and half. Then XXXX XXXX has said another two weeks to get to my account, along with interest. So, if I have the story right now, I should have money around XXXX XXXX. Six months after the refinance. I was also explained by this Supervisor that XXXX was the first time she sees a request for a check to get sent out ... despite my conference calls and previous calls. So either XXXX / XXXX Customer Service are deliberately saying call back and well look into it, youll get a check And then not logging the conversation with notes at the very least, OR the Supervisor is giving me misinformation regarding my account. There is far too much Error here and to be told there isnt any and its no bodys fault by the Supervisor Is disrespectful to my time and money.
Product: Checking or savings account

So I have a XXXX account with Chime and they closed my account and they refused to let me get my money because they said that I broke the rules but they wont verify rules, everything that they have asked for I have provided, all documentation over and over again and I have proven my identity but they have repeatedly told me they still have to close my account and I will not be refunded as to why they tell me to read some disclaimer. And my account is closed no access to me at all but my chime is still attached to my XXXX XXXX and for whatever reason they moved money out of my saver into my checking on XX/XX/. This is crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to furnish information on credit file. Requested information to validate signature and contest to contract.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item 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 this item, as it is incorrect and does not reflect my true credit history.
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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021, and still nothing from them. That means Equifax has NOT complied with the Fair Credit 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 XXXX XXXX
Product: Debt collection

Upon checking my credit report I noticed there is a collection from southwest credit systems thatsi have no knowledge of. The date is listed as XX/XX/. The amount is for {$1800.00}. They have put it on my credit report and when called I was told it was for a XXXX  cell phone account, and Ive never had a contact with that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act. 

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are 3 different dates for the last time the account was allegedly reported ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. There are different dates for the date the alleged account was opened ( XX/XX/XXXX, XXXX XX/XX/XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XX/XX/XXXX, XXXX XX/XX/XXXX. Also, the amount of the credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. Furthermore, XXXX, XXXX isn't reporting what type of account is. How can you report an account on my credit profile but fails to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.
Product: Credit card

I received several calls over the course of 3 days from the same phone #. The caller never left a message and called excessively each day until I finally answered on the third day. He said he was calling from Wells Fargo about my unpaid balance of {$30.00}. I asked him why I never received a statement he said he could not control the Post Office. So when I saw he was being sarcastic I told him I would check my account online and ended the call. My problem is this is the first time I remember getting a call from Wells Fargo about my payment being past due. I have had this account for more than 3years and have kept up with the payments. I do n't understand the need for calling me at least three times daily about a balance of {$30.00}. I do know a thing or two about collections. He should have left a message the first or second time so I would know what the call was about. Then he would not have had to call me a third time. I would have just answered. But still calling a customer three or more times in a day is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$3100.00}, SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am requesting that they make correction of error. I believe this is a fair resolution given the circumstances. I have attached copies of relevant documents including a word doc to support my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX  party involved.Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 crime 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

Barclay I'm filing a complaint on your company for violation of the FCRA ACT I started disputing my two Barclays credit card account with the credit reporting agencies back in XX/XX/XXXX and they keep saying that you keep responding saying that the information is reporting as correct. However this information is reporting incorrect on my credit report I have got fired from my job because of credit reporting violations unable to Obtain a good Job due to company like you reporting false information. then you expect people to pay you on time it's very hard when creditors are reporting negative and false information about the consumer I have been telling the reporting agencies that the account numbers were not matching up and again they kept saying that Barclay states its reporting as correct in order for me to prove my point about 3 Weeks ago I sent to your company 2 money order about a month ago for payment on my XXXX XXXX XXXX and My XXXX XXXX mastercard I sent in the money orders with no name no address Just the account numbers that you are reporting on my credit file and the money order never did get cashed because those are not my account Numbers What's showing on my credit file is XXXX and XXXX those are not my account Numbers! again I have been disputing these with the reporting and agencies about 15 times per account its a lot of work writing letters and getting them in mail to these company. Barclaycard you have violated my rights and cost me my job also you are in are violation of the FCRA. I'm asking you to please delete these 2 accounts  from each of the credit reporting agencies immediately for the violations There is no law that states that you have to report information. But since you have violated my rights under the FCRA I DEMAND These accounts to be remove ASAP or I will take legal action. you and I have an agreement for payment each month and I will carry those payment agreements until my accounts are paid in Full But It's hard when Negative items is keeping you from getting a job to pay. I look forward for your response also XXXX  is reporting that XXXX ACCOUNT IS A CHARGE OFF I HAVENT Received any noticed from your company about a charge off This far which is another violation of the FCRA.. I have enclosed a file from your company dated XX/XX/XXXX on You clearly stated my two account numbers ending in XXXX and XXXX but my credit report is showing different account number per the FCRA accounts must report 100 % percent accurate or the account must be delete and again that's what I'm asking you to do in this case! I also attached the account numbers that reporting on File 3
Product: Vehicle loan or lease

Wells Fargo illegally repossessed my brand new car in XXXX and returned it in XXXX ( 2 months later ) with a letter apologizing for the " wrongful repossession '' and a check for {$500.00} for compensation for me losing my job, I was unable to get to work because I had no car. So now it is XXXX and now they want to repossess the car AGAIN unless i pay it off in full, which is {$20000.00}. I still had XXXX more years left on my loan. They closed my loan and wrote it off on my credit as a charge off. Now I am unable to get the car refinanced with another lender because I have a repossession on my credit. They are threatening to pick up my car AGAIN. I don't have {$20000.00} to give to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I reach out to your office and I complained about the falsified information on my credit report that was being reported that has caused me countless amounts of pain and suffering due to the XXXX increase in the denials of credit based upon the information being reported concerning my student loans being late I contacted the student loans Representatives have confirmed constantly continuously times that my student loans has never been late however since my complaint I received a response back from XXXX saying that they have fixed the dispute in information was verified as accurate which is totally falsified information once again
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.