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

I am disputing the inaccurate information that is currently being reported on my credit report related to accounts that were included in a bankruptcy case. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct reasonable investigations into disputed items on a consumer 's credit report. 

Specifically, the following accounts were included in the XXXX  XXXX bankruptcy which was filed in XX/XX/XXXX : 1. XXXX XXXX, XXXX, the payment history is inaccurate ; XXXX of XXXX are reporting 30 days late and XX/XX/XXXX is incomplete. 

2. XXXX XXXX, XXXX, the payment history is incomplete ; No payment history was reported from XX/XX/XXXX through XX/XX/XXXX and the account was opened on XX/XX/XXXX. 

3. XXXX XXXX, XXXX, payment history is inaccurate ; the account was opened XX/XX/XXXX and a payment is reporting for XXXX and XXXX of XXXX which is inconsistent with the account being opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX, payment history is inaccurate ; account was opened XX/XX/XXXX and a payment is reporting for XX/XX/XXXX which would be inconsistent with the open date. 

5. XXXX XXXX XXXX XXXX, Status of the account as a charge-off was updated after the account was discharged in the XXXX  XXXX XXXX for XXXX, XXXX, and XX/XX/XXXX which is inaccurate. Account payment history reflects a payment for XX/XX/XXXX which is inconsistent with the account being opened in XX/XX/XXXX and no payment was made yet. 

6. XXXX XXXX XXXX XXXX XXXX, the account was opened on XX/XX/XXXX, and a payment is reporting for XX/XX/XXXX which is inconsistent with the account being opened on XX/XX/XXXX. Payment history reflects XXXX and XX/XX/XXXX as 120 days consecutively wich is inaccurate Please investigate the Bankruptcy and the accounts included and correct the inaccurate information on my credit report as soon as possible. If the information can not be verified or updated correctly it must be deleted. 

The FCRA entitles me to dispute any inaccurate or incomplete information on my credit report. If your investigation does not resolve my dispute, I will pursue further action to protect my rights. 

Please send me the results of your investigation in writing within 30 days as required by the FCRA.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX Principles ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXccount Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS REGIONALAC Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX FUNDING Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FIRST PREMIE Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX via XXXX Unauthorized inquiry placed on XXXX credit report
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The consumer financial protection bureau. ( CFPB ) has recently filed a lawsuit against experian election systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience. Where experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Debt collection

They keep calling me while I am at work. I have asked them to not call me during the hours of XXXX. I also emailed their main office asking them to have the local office not call while I 'm at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX, I have contacted all credit bureaus and have received absolutely no response for 90 days and i'm fed up and in very bad health because of the stress of this situation has caused a severe XXXX XXXX increase dealing with this dead end of no responses. 

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 name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX bank # XXXX, Account name : XXXX XXXXXXXX bank # XXXX, Account name : Credit XXXX XXXX # XXXX, has violated my rights as an XXXX XXXX XXXX  ( ADA ) and as a consumer and American veteran, none of the credit bureaus have responded to my inquiries to investigate these accounts and its been over 90 days and no response from any of them this is a violation of 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. 

I asked all 3 bureuas for a copy of a complete investigation of all these accounts and have received no response in 90 days they are breaking the law.
Product: Checking or savings account

I started a dispute against netspend on XX/XX/year> letting someone into my saving account and taking my money to the sum of {$9300.00} they admitted the error and said they would reimburse me but it would be XXXX to XXXX. After that got back to them and asked were is my money they said they put back in my account buti can't get my account the hackers lock me out and my money was gone again. I started another dispute and won I called them to send me a check instead of putting it in my account which I can't get into and they said they would XXXX weeks later no check, I believe they were lying to me about sending me a check from day XXXX. I have about XXXX emails from them and XXXX with all the charges they stole from my saving that no one suppose to get into but me. My account number XXXX
Product: Credit card or prepaid card

I've disputed this account numerous of time. With the FTC, CFPB, and had an attorney. Navy Federal Credit Union could not confirm anything. Instead they continue to lie about me making payments to keep it ongoing. I provided proof that there were no way to make a payment after they lied to my attorney on me going online to make a payment. They've taken over {$1000.00} out my personal account to furnish the debt that claim I acquired. If over {$2000.00} was taken out my personal account by them for the credit card why is the amount still he same? The original credit card limit was {$5000.00}. and now the balance is over {$9000.00}. Something very fraudulent is going on. I've filed a dispute when it was brought to my attention. I was informed that I didn't have to do anything else. Every time they were asked a question to validate anything pertaining to the credit card. 

The only access there is, is of my current checking and savings account.
Product: Credit reporting or other personal consumer reports

I applied for business credit cards. TransUnion placed credit inquiries on my personal account. I tried contacting them via certified mail twice with all my relevant information. They replied that they couldn't verify it was me and refused to process my request to remove the inquiries from my personal credit report.
Product: Debt collection

Due to the hard time I am having I am unable to pay my debt. This company has called my mom numerous times and she is not on my account. I will pay my debt but not right now. They have no right to call her and its causes more stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Private information in my credit report has been released into the public realm from Equifax without my permission. I subsequently placed a freeze on my credit report, and was charged to do so by Equifax ( I was required to pay for the freeze with a credit card. ) I feel the freeze should have been placed with no charge since my data was compromised by their own admission.
Product: Student loan

Company would not offer refinancing unless credit was perfect or never missed payment. Any logical person would know If payments were affordable there would be no need to refinance. Also Variable interest lending to a XXXX year old student desperate to receive an education is just not right. It is almost predatory. I will accept the responsibility of being a uninformed borrower. But the simple fact I can send money and pay but never pay the loan down if i miss a $ 700+ payment is utterly ridiculous. Which means company will collect thousands of dollars and say I owe more. This ruining my life and the life of others. This preventing many people from being productive citizens.
Product: Credit card or prepaid card

Hello, I've contacted CHASE multiple times to have them change my name from my maiden name to my married name ( XXXX to XXXX ). 

I've sent all required documentation. CHASE updated my name on my credit cards, but not my online account. I called and asked customer service to update my online account as well, and was told 3-5 business days. It was never done. So I submitted an online inquiry via the " Send a secure message '' on the Help & support tab. I received a response to give 5 business days. I still haven't received word back on that. 

Please update my name. I attached all paperwork I previously submitted supporting the name change and a screenshot of where it has not been updated.
Product: Credit reporting or other personal consumer reports

The company Shellpoint mortgage reported missed payment on XX/XX/year> when the account was under a forbearance/ loan modification process ... ... ......
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have the same accounts. Why is Equifax credit reporting different point than XXXX. It is not accurate. XXXX should be accurate with Equifax. It's the same accounts. Theses disparities must stop. I attempting to remedy this error by filing a complaint. Hopefully XXXX and Equifax will be on the same page.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian took longer than 30 days & misled the verification process, Faulty investigation to credit reports even after suspending XXXX XXXX the right to share reporting. In accordance with Fair Credit Reporting Act, Experian has Violated my rights to share records without my permission. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, Experian Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX XXXX my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  # XXXX has Violated my rights. Please Delete XXXX XXXXXXXX XXXX Account from my credit profile. In accordance with the Fair credit reporting act, Company Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Debt collection

On XX/XX/XXXX, I received my credit report that had an inquiry and collection noted by XXXX XXXX XXXX. representing XXXX. I disputed this collection as it was not my account and the collection was removed from my credit report on XX/XX/XXXX. Today, XX/XX/XXXX, I received another notice that a collection had been added to my credit report. Once again XXXX has employed another collections agency, Receivables Performance, to report a delinquent account. And again, this is not my account and I do not owe XXXX anything. This has seriously impacted my credit rating. 
I contacted the credit reporting agencies and disputed this collection, again. I also contacted Receivables Performance and XXXX via email, to remove my name from this file and stop harassing me with these collections. I do not owe XXXX anything. I have not had an account with them for more than 6 years. 

In XX/XX/XXXX, I closed my account with XXXX and returned all equipment and received a receipt showing no balance due.
Product: Credit reporting or other personal consumer reports

Friday, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report.

The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

I applied for a mortgage refinance loan from PenFed credit union in XXXX 2016 via the internet and gave them the requested information they sought, which included income from my wife and myself, past credit experience etc. About four days later I received an E-mail from their loan broker in XXXX, Oregon stating that he had my application from his home office, and that it appeared I would not qualify for the loan because of my income level, even though it all had not been verified. I therefore ask the loan officer to cancel my request, which he agree to do. In the loan application they requested a bank card to cover expenses in processing the loan. I believed they have incurred no expenses but they have charged my credit card with {$84.00}. Why? 
I called the PenFed office and asked that they remove the charge of {$84.00} since they have incurred no expense except for the on line application. They refused my request. I argued that the only information they had for the application was the info I provided for them on my online application. 
I would like to have the PenFed charge removed from my credit card or the amount of their charge be returned to me.
Product: Debt collection

On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that MONTEREY COLLECTION SERVICES had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$3600.00}. I had no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute, nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. MONTEREY COLL SVC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXXXXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please remove the late dates from these accounts : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXXhis isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

Contact CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX, VA XXXX XXXX This is not my account Have disputed and ask them to provide the information about my account and they have not {$420.00} Owner INDIVIDUAL credit grantor {$300.00} Account Type MONTHLY Term Duration {$420.00} Date Opened {$420.00} Date Reported Date of Last Payment Scheduled Payment Amount 15 Delinquency First Reported CLOSED Creditor Classification Charge Off Amount REVOLVING XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XX/XX/XXXX UNKNOWN XX/XX/XXXX Credit Card XX/XX/XXXX XXXX
Product: Debt collection

The company Ally Financial keeps calling me and my family members looking for my father who is in XXXX.