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

My XXXX credit card was closed as of yesterday. I received a letter stating they pulled a trans union report and my score had dropped from the XXXX to XXXX and I now have multiple delinquencies and late payments. When I called to question this, I was told it would have to be resolved with trans union and given no other option to have my account re-opened or pull the credit report again. I called trans union. They are mailing me a letter with my credit report as they could not give me a number over the phone, but they were able to tell me that what lowes sent me about my credit report is not correct. I was instructed to call them back. I called XXXX again and was not offered any resolution. Only after I complained did I get an option of filing a dispute, but was told now that the card is closed they would not be able to open it back up even if I am correct about their error. I do not believe a dispute was filed as the rep on the phone did not give me any opportunity to answer any type of questions to file it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1900.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX , & XXXX has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX  XXXX
Product: Student loan

I writing to complain about the IDR repayment plan and the failure of PHEAA, through both AES and MyFedLoan, to properly determine eligibility, calculate payments, and process applications in a timely manner. Every year, both my spouse and I, submit our applications timely and they never get it right. Either they deny eligibility, though we are clearly eligible under the guidelines, they fail to calculate our payments properly, and they take longer than any other servicer to process IDR applications. This corporation should be stripped of its ability to service federal student loans and their servicing portfolio should be distributed to other student loan servicers. For example, XXXX has done an excellent job so far. I encourage you to review the accounts serviced by PHEAA. I personally have experienced an unnecessary capitalization of interest to principal and prolonged delays in getting my loan properly serviced. I dread dealing with them on an annual basis and dream of the day that my ( and my spouses ) loans will be transferred to another servicer.
Product: Credit reporting or other personal consumer reports

I went into a blind contract that I was willingly tricked and convinced into paying a down payment, which wasnt an unauthorized charge due to the truth in lending act cash is not included in a finance charge. after the paperwork was sent certified mail, I received no response, but I received a repossession.i was also not given or told my rights during the process ive brung this to there attention that there was a truth in lending violation as well as sent a agffadavit of truth and the they gave no response no rebuttal which means this stands as truth in court please help me seek my remedy and protect my rights as a consumer
Product: Debt collection

On XX/XX/XXXX I sent a Certified letter to Eastern Account System for reporting inaccurate information to the credit bureaus ( XXXX, XXXX, XXXX  ). The company refuses to delete or to provide adequate proof that the claimed debt is mine. The are still reporting this inaccurate item as of XX/XX/XXXX it is still on my credit report.
Product: Credit reporting or other personal consumer reports

My federal consumer rights are being violated, This is my formal request for the deletion of the alleged outstanding debt referenced by your agency in accordance with the XXXX amendment, section 101, paragraph 3 Amendment of the Fair Credit Reporting Act, which reduces the time period that most adverse credit information stays on consumer reports from 7 years to 4 years. 

Please find the details of the debts in question : XXXXXXXX XXXX XXXX XXXX - Alleged Amount Owed : {$5400.00} - Date of Debt : XX/XX/XXXX XXXXXXXX XXXX XXXX - Alleged Amount Owed : {$1700.00} - Date of Debt : XX/XX/XXXX Both of these negative alleged debts are greater than four years and therefore are considered inaccurate and according to USC Title 15, Section 1681s-2, creditors and credit reporting agencies have an obligation to accurately report information on consumer 's credit reports. Any continual violation of reporting inaccurate information will result in possible remedy and legal action.
Product: Payday loan

i had over three diffrent payday loans out at the same time. in the state of Florida thats illegal. i did n't expect for a XXXX $ to have to pay back over XXXX {$.00} im trying to recover, but now white pine states they are garnishing my wages without due process and no court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX of the Executive Customer Relations Department of Ally Bank XXXX, option # 4, option # 8 and then extension XXXX and asked her again to remove the negative information from my credit file, as any negative reporting violates a court order which is a Property Settlement agreement approved by the XXXX XXXX Virginia Circuit Court. 

I initially thought maybe they weren't aware of this court order, but I have provided copies via a fax and now in my complaint # XXXX and after speaking with her, Ally Bank still refuses to remove the negative remarks from my credit reports. I explained that the court order says that I can not be held responsible and negative reporting on my credit report is holding me responsible. 

I replied to her email with my understanding of our conversation, and I have a copy if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

Name wrong on loan I noticed recently my name was wrong on my loan, I contacted bbva and was told to email in a copy of my id and proof of social. I sent my license and XXXX in. A XXXX is a legal representation of social. I was told I need to send in the card. I washed my and I am not going to make a special trip, I live in XXXX ga, to fix something that is not my mistake. Gas is expensive. BBVA is refusing to correct a document legally binding me to a loan which represents an incorrect name, they were argumentative, combative, and not accommodating on the phone. I was lied to repeatedly and the representative and she refused comply with any of my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on report I don't recognize. XXXX XXXX, XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT MY ACCOUNT I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using 106 % of your credit limit. 

30 % ( Stay below ) 106 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms XXXX Remarks -- Creditor Name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Credit card or prepaid card

I applied for a Care Credit card to help pay for my XXXX procedure but I was denied. I noticed that when I received my denial letter it stated that I had a XXXX credit score which is false and I also noticed that it pulled a hard credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 I need clarification as to why you are reporting certain information on my credit report. Please review the following : Account name : XXXX XXXX  Account number : XXXX High credit is lower than balance. Delete for inaccurate reporting. 

After you have finished my request, send me a copy of my credit report reflecting these changes XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continued to report an inaccurate and unverified bankruptcy that has no accounts included to support it. I have sent in notarized dispute letter after dispute letter with response from Experian response ; Bankruptcy has been verified with US BKPT CT TX XXXX ( The Bankruptcy Courts ), which is not true because The Bankruptcy Courts does not verify credit information. Experian will not provide me with any verification of proof that I have requested. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Courts emphatically has stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian is required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Discover student loans consolidation on XX/XX/XXXX, in the amount of XXXX. I was told by the company that you may dispute the claims, and within 30 days there would be an additional soft pull of your credit report once all dispute info was obtained. Customer service stated that they would not be conducting another soft inquiry. On XX/XX/XXXX,  My credit was pulled a 2nd time within 30 days without my permission. i have spoken with several managers, who did claim that the practice was wrong, and should not have been conducted as I was told something different, than what was done. Here we are, XX/XX/XXXX, and the inquiry has yet to removed from XXXX. This is the only inquiry left, discover removed them from the rest of my accounts. Discover claims to have submitted to the credit bureaus, but this is currently showing on my report. Please help. I have been speaking with supervisor XXXX, who has helped tremendously, but this has extended too far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously spent time and money writing to XXXX and the other bureaus regarding a XXXX account that was listing incorrect information on my credit report. I had insurance on this lease car ... In NY you cant have a new car without full coverage. I had an accident and this car was totaled and covered by the insurance company ( attached ) .. I noticed my credit report was reflecting this XXXX account incorrectly and I addressed both XXXX and the bureaus regarding this incorrect account. After several months and several written requests, XXXX AND XXXX   responded this account is listed 100 % accurate, complete, and verifiable as per FCRA law. Today, several months later, XXXX changes their reporting and send different data to the bureaus. Either they never performed the original investigation, OR they are in violation of 1681i of the FCRA and both XXXX And the credit bureaus are liable in court. I am filing a complaint with my state attorney general and XXXX regarding this issue. If this isnt DELETED in 15 days, I will pursue my legal rights and finalize my FCRA attorney retainer agreement. I have all my written correspondence and the bureaus correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for an update to credit report with all  XXXX  credit bureaus in regards to  XXXX  reporting on my credit report. It is now  XXXX  2017 and the account is not reporting as " Included in bankruptcy '' This is an ongoing issue. I do not understand why I have  XXXX    XXXX    accounts reporting on my credit report anyhow. They are all the same account, I only had  XXXX  loan with them but because I refinanced with them for the same account they listed another account. The account was sent to collections after my bankruptcy was filed, However, the collections account removed item from my credit report, stating they did not have knowledge of my bankruptcy before the account was sent, their resolution was to remove it.  XXXX  sent my account to collections after I filed for bankruptcy, knowingly aware of the status yet they violated my rights nonetheless. This is very frustrating and regardless of the attempts with the credit bureaus and CFPB also investigating, I am not getting any results. I have several investigations into this matter filed and saved and will have to pursue a different avenue if the issue is not fixed.   XXXX   is in violation of the bankruptcy laws and no one seems to care. They reported my account late with a balance up until the past 2 months as " OPEN ''?????
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am rewriting this complaint to EXPERIAN to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XX/XX/year> FTC Report NumberXXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that EXPERIAN conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that EXPERIAN will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Product: Credit reporting or other personal consumer reports

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number XXXX ), an another at opened with XXXX XXXX card on XXXX XXXX under the account number ( XXXX ), another credit card open at XXXX XXXX under the account number ( XXXX ), and another credit card open with XXXX XXXX XXXX XXXX XXXX XX/XX/year> with a balance of {$7800.00} that appears to be a card
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Student loan

In 2010, I spoke with a representative about the best solution for my students loan payment. I was under the impression default will allow me to return back to college after 6 months of payment. I made payment with XXXX XXXX  XXXX of XXXX. Instead of being able to review the funds on my account my account, I am witnessing to my account in default and the payment made no where in site, please help.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX I sent an inital complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX and XXXX . They ( XXXX XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting out accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.

This debt collector has no contract with me. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681.

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests.

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification.

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you provide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor.

- Documentation showing that your agency is authorized to collect this debt.

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA.

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency.
Product: Debt collection

I noticed this item on my credit report in 2019 and immediately disputed it with all 3 credit bureaus. This account has been removed and replaced on my credit files multiple times without my notification or knowledge despite no proof that this is my account. I did not sign any agreements with this company and I do not owe this company any money. I have attempted to resolve this with the company and with the credit bureau.
Product: Credit card or prepaid card

put a request for XXXX  in, said it went through, but they shut off my credit card and XXXX never went through, but balance still shows on my file and credit report. this company is harming me with their lazy and inaccurate practices.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. ive noticed alot of errors that need to be addressed an removed asap. this is my XXXX attempt processing disputes to delete an remove that targeted negative files that are invalid. please review an remove all items listed they are unlawful an illegally reported on my credit.
Product: Debt collection

I received a letter yesterday from PennCredit Corporation stating that I owed back Maryland State Taxes. I checked my tax returns from XXXX and XXXX and I received a refund. I did not owe. Also, this debt was not reported to any of the credit bureaus. 
I tried calling the toll free number for Penn Credit Corporation XXXX and got a recording for XXXX XXXX. This recording was over 30 seconds long. I was not able to press # until it was finished. When I pressed #, XXXX answered and went into a spiel of how I should get a XXXX XXXX. I was not able to interrupt her so I think that too was a recording. 
I feel this is a scam even though this is a legitimate company and I got the phone number from the website online not from the letter. 
They should be reported for fraud.