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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer 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 XXXXXXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I notified Experian that the XXXX of XXXX XXXX XXXX XXXX loan account that had delinquency reported had met the 7 year purge timeframe and requested to have the account removed from by credit bureau report as XXXX and XXXX had already done so. 

Experian opened an investigation and closed their investigation on XX/XX/XXXX, but instead of removing the account, they adjusted moved a late payment to shower closer, which caused my XXXX XXXX to drop 30+ points by their records. 

Not only did they damage my credit further, they refused to follow Regulation V ( FCRA ) requirements and remove the account from reporting. 

I contacted XXXX of XXXX XXXX, via XXXX on XX/XX/XXXX and they confirmed the first date of delinquency was on XX/XX/XXXX and that they have not reported the account to any credit bureau since XX/XX/XXXX. 

Experian is intentionally harming my credit bureaus and intentionally not removing an account that qualifies to be removed as it is not related to a bankruptcy and it has met the 7 year requirement for purge timeframe. Please correct this issue. 

Thank you.
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 XXXXXXXX Account NumberXXXX  has violated my rights. Or a 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 am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit card or prepaid card

My card was compromised in XX/XX/2021. I called the number on the back of my card and reported the charges as soon as I noticed. Several days later, I noticed additional charges that posted and had not seen any communication come through from the credit card company. That XXXX told me that I reported it incorrectly and then sighed repeatedly as I listed off the fraudulent charges. Since then, they have notified me that they investigated the charges and found them to be valid, therefore, I must investigate and contact the merchants for documentation so that I can prove that these charges were not made by me. They actually said to me, " you have to prove to us that this wasn't you. '' I am XXXX months XXXX  and do not have the time or money to do my own investigatory work. One of the charges was made at a gas station - I do not even know how to begin to call the gas station to ask them to help me prove that I've never been there. 

Please see the charges below along with notes : XXXX XXXX XX/XX/2021 {$370.00} - This is a merchant I use regularly. I was able to finally reach a XXXX at this merchant who acknowledge that these charges were made fraudulently by someone who had created a new account in a different state. 
XXXX XXXX XX/XX/2021 {$21.00} - This is a merchant I use regularly. I was able to finally reach a XXXX at this merchant who acknowledge that these charges were made fraudulently by someone who had created a new account in a different state. 
XXXX XXXX XX/XX/2021 {$300.00} - This is a merchant I use regularly. I was able to finally reach a XXXX at this merchant who acknowledge that these charges were made fraudulently by someone who had created a new account in a different state. 
XXXX XXXX  XX/XX/2021 {$91.00} - I've never shopped with this merchant. 
XXXX XXXX XXXXXX/XX/2021 {$46.00} - I've never shopped with this merchant. 
XXXX XXXX  XX/XX/2021 {$76.00} - I've never shopped with this merchant. 
XXXX # XXXX XXXX XX/XX/2021 {$32.00} - XXXX believe this is a gas station in a different state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, there appear to be some inconsistencies on this credit report. Specifically, there are some discrepancies regarding the account type detail and the credit limit. Additionally, the account status is listed as derogatory, which conflicts with the fact that the balance is {$0.00} and the monthly payment is {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to ensure maximum possible accuracy '' of the information contained in a consumer 's credit report. 

The fact that the account type detail is listed differently across the three credit reporting agencies is a violation of this section, as it can lead to confusion and misinformation about the consumer 's credit history. Similarly, the fact that the credit limit is listed as {$200.00} on two reports and {$0.00} on one report also violates this section, as it presents conflicting information that could negatively impact the consumer 's credit score. 

Finally, the fact that the account status is listed as derogatory, despite the fact that there is no balance and no monthly payment, also violates FCRA Section 607 ( b ), as it can lead to an inaccurate representation of the consumer 's creditworthiness.
Product: Debt collection

On XX/XX/2020, I emailed the following to Ad Astra : " Good morning, Due to the recent economic downturn as well as being laid off yesterday, I am unable to pay my account in full. What options are available to me? 
Thank you, XXXX XXXX '' To date I have received no reply to my email.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Transworld Systems Inc placed this collection account on my XXXX, XXXX and XXXX credit reports without any notification. They have not validated this debit.
Product: Student loan

Navient re-amortizes my loan every quarter so they can keep making money from interest. When my loan started, it had payments around {$100.00} per month. I have been making separate individual extra payments and as a result my auto-debits got down to about {$30.00} a month. This should be illegal as they recalculate the payment based on amount and time remaining on the loan for the purpose to keep my loan alive as long as possible to make as much money from interest as they can.
Product: Debt collection

On XX/XX/XXXX ( I have a XXXX XXXX  chat that I can reference ) I received a call from an " XXXX  XXXX '' at my place of business ( private number ). I had just received a promotion in XXXX so it was odd that someone already knew my number. He sounded exasperated and said " It's a good thing I got in touch with you. We have been trying to get into contact with you. '' I asked him what it was about. " There is legal action against you and you need to call another number. '' He mentioned something about a lien on my property and garnished wages. He provided me w/ a number to call of XXXX. I then asked him if I could get more information and he said that he could not give me anymore and that I needed to call the number. He did not mention debt at that time. 

I hung up with him and at first was worried since I do owe some debts. I then reverse phone searched the number and there were complaints against it stating it was a scam. I was no longer worried. I called the number and got an answering machine, lending further proof that this was a scam. 

I am almost certain that XXXX  called me again yesterday ( XX/XX/XXXX ). His number is always private but I can recognize his voice. I answered after the second time a private number called ( these calls were at XXXX XXXX and XXXX ). When I answered he asked if it was me. I confirmed. Then he tried confirming the place I was working at. He kept saying " Hello? Hello? '' as if he could not hear me. He then hung up. Later on the same day, my brother texted me and told me that he had received a call about asking me to testify in court. I had him send me the transcribed message. It said that it was this was from XXXX XXXX and the number was XXXX. My " case number '' is XXXX ( note that the beginning is the phone number ). I called around XXXX and I got the same message that I got when I called the Florida number XXXX  gave me. I left a message for them to call me back. 

Today ( XX/XX/XXXX ) they then called me back and left a message.This time the number was from XXXX. They told me to call back that number and choose extension XXXX. I called from my work number that can not be traced and Someone answered who said it was Capital Management. I did not say anything and hung up. 

In looking back at my voicemail messages, I can see that the South Carolina number has called me on XX/XX/XXXX and XX/XX/XXXX as well. 

Additional numbers that I suspect are them are XXXX and. XXXX. 

For reference, here are 30 reviews stating that this is a scam https : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is in violation of 15 USC 1681 ( I ). I am demanding Equifax to investigate the accuracy of this account I am disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just wanted to report identity theft, fraud, error Inquiry details XXXX. Personal loan XX/XX/2019 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020, my account was reported late 90 days ( XX/XX/ 2020 ) XXXX and again XX/XX/2020 with XXXX and XXXX. However, the account was paid on time. I have reached out to the company on numerous times to try and get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I finished a deed in lieu with XXXX XXXX. The mortgage account was closed and i was relieved of any further responsibility. Subsequently the property was sold to a new owner in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX. started sending correspondence reporting that they had been transferred the loan and began requesting payments. I initially thought it was a scam but after receiving a few more letters, I contacted them and explained the situation and considered the matter closed. I received no further information until XX/XX/XXXX when I saw they had placed numerous late payments on my credit report. I have tried getting this resolved with XXXX, who has acknowledged this is not a legitimate claim and never should have been transferred or accepted by them. I keep contacting them but they keep asking for more time and say they are working on it. I have also disputed it with all 3 credit agencies who said after their " investigation '', it was a valid account. This is fraud plain and simple and the credit agencies are supporting this irresponsible behavior.
Product: Mortgage

AS OF TODAY, XX/XX/XXXX I HAVE RECEIVED NO INFO NOR WELCOME LETTER AS REQURED BY LAW FROM MY NEW MORTGAGE COMPANY ( SHELLPOINT MORTGAGE SERVICING ) WHO OBTAINED BY HOME LOAN FROM XXXX ON XX/XX/XXXX DUE TO THEIR BANKRUPTCY FILING. 

I HAVE NOW MAILED TWO ( 2 ) SEPERATE MONTHLY PAYMENTS TO THEM BUT HAVE NO LOAN NUMBER OR ACCOUNT TO DATE. PLEASE HAVE THEM RECTIFY THIS PROBLEM BY SIMPLY WRITING ME TO INFORM ME OF NEEDED DETAILS AND TO DISCLOSE THEIR OWNERSHIP OF THIS MORTGAGE. I HAVE NOTED THE OLD XXXX ACCT. NO. ( XXXX ) IN THE MEMO SECTION OF MY CHECKS. 

THIS TYPE OF TRANSFER WITH NO DISCLOSURE TO THE CLIENT INVOLVED IS TROUBLING, ESPECIALLY CONSIDERING THE COMPLAINTS I HAVE READ REGARDING THE BUSINESS PRACTICES OF THE NEW MORTGAGE HOLDER/SERVICER FROM OTHER FORMER XXXX CUSTOMERS.
Product: Credit card

I paid off my credit card many many months ago and they still wont let me use my credit card. How am I supposed to build my credit when I cant use my credit card. Especially when I paid it off in full.
Product: Vehicle loan or lease

Hi, We have been contacting US Bank for over 2 1/2 years trying to get this resolved. Our lease is ended in the next three months. We have filed a complaint previously in which they have responded but never followed through with it. Our bill still does not reflect the correct amount.

They stated that it could take up to 10 weeks. It has been over 16 weeks and still no change. 
Our past complaint id is XXXX. 
Please help us. It is XXXX XXXX XXXX that they are charging us for taxes for a county that we do not live in. We have tried called weekly and get no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the METHOD OF VERIFICATION multiple times with XXXX, Equifax, XXXX concerning this Bankruptcy that is reporting on my credit report. Per FCRA, Section 609 a ( 2 ) I am requesting to see what XXXX, Equifax, and XXXX  used as proof to verify the bankruptcy. XXXX, Equifax, and XXXX has repeatedly sent me pre-made letters stating, " VERIFIED '' and the information was furnished to them through XXXX XXXX. This is impossible that XXXX investigated this situation due to the fact I spoke with a representative of XXXX XXXX AT XXXX and XXXX XXXX STATED THERE IS A FREEZE DUE TO IDENTITY THEFT ON MY REPORT AND THEY DID NOT VERIFY ANY INFORMATION WITH XXXX, EQUIFAX, AND XXXX. 

Also, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states " ... if request by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, in the business name and address of any furnisher of information CONTACTED, meaning a LIVE PERSON NOT A COMPUTER DATABASE in connection with such information and the telephone number of such furnisher if reasonably available ... '' Credit reporting agencies are required to conduct investigations of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information not a third-party source such as XXXX XXXX. 

I will be sending a copy of this letter to the CEO of XXXX. I will not accept any more pre-made responses from XXXX!
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I disputed the late payment from XXXX XXXX XXXX In the amount of {$140.00} due to fact that I was never late on my payment. The company refused to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account listed on my credit report. The account in question is XXXX from CBNA , and it is currently reported as negatively impacting my credit. 

I am listed as an Authorized User on this account, and I have no ownership or control over it. Given that this account is adversely affecting my credit score, I kindly request that it be removed from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Since this account does not belong to me and is damaging my credit, I am requesting its immediate removal.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$21000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with reviewing my credit information on my report since I am member. 
Attempt to call and no resolution getting a live person
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Debt with The XXXX XXXX that I paid in XX/XX/2020 through the collections company they sold it to, XXXX XXXX XXXX  ( XXXX ). I was told by XXXX XXXX XXXX that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports. 
I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 
I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, XXXX  XXXX XXXX. 
I called XXXX  XXXX XXXX and they told me that only XXXX could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 
I have submitted a complaint with XXXX  and tried calling XXXX back several times but they keep telling me that they do not remove collections. 
I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through XXXX, removed. I do not understand why XXXX  XXXX XXXX and/or XXXX will not remove this last account but I would like it either done, or explained. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses that are posted do not belong to me I have never lived at these addresses delete immediately XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, LA XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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