23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1st telephone contact concerning my not owing this debtXXXX XXXX CCC USA ( Credit Collection Services ) acknowledged my response and ceased.

Noticed XX/XX/2021 this paid debt turned up on my XXXX credit report. I disputed the information, it was investigated and removed. XX/XX/2021, the same paid debt was now placed on my XXXX Credit report and I received a letter from CCC USA AND PHONE CALLS BEGAN OFFERING THAT I WAS BEING OFFERED A 50 % DISCOUNT OPPORTUNITY TO RESOLVE THE ACCOUNT. 
Needless to say I was and am still livid. 
Contacted a very nice representative Ms XXXX. I asked who and when did they buy this false information and was told that they are the same company that had the account originally and it was they who had removed the debt from my TransUnion Credit Report and they then put the debt on my Experian. I said that moving a known paid debt to another reporting company was illegal. She asked if I had proof of payment and I told her I had just had XXXX XXXXXXXX and would need a little while before I could get upstairs or get my daughter who works from home to find the papers for me. She gave me two days and a website. 
I agreed to try and get the papers. 
On Thursday, XX/XX/XXXX, today ; I tried to enter the forms to send my proof. 
Surprise! nothing listed on the site works properly EXCEPT TO ADD YOUR CREDIT INFORMATION TO PAY!! You can even scan the credit card but the system will not allow you to enter the date you claim you made your payment, photos of documents will not upload in any form. Everything is rejected as having a virus. 
This is scumming the bottom at its best! 
I made photos of every step trying to upload documentation and I recorded my screen. They know there are disabled people and all of us dont have copiers and fax machines in the house and if we did we would have to get to the mailbox just to prove for the upteenth time what they already know THE BILL WAS PAID. 
STOP THE HARASSMENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Though I have previously complained ( XXXX ) about Discover cards false reporting to the credit bureaus, Discover card still failed to correct the wrong report 30 days late/delinquent for XX/XX/2019 payment. 
As a result, I am being discriminated through denial by other banks for simple LOC or borrowing. The latest denial cited the following report from XXXX, XXXX and XXXX : At this time, the following are key factors that adversely affected your credit score : * TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT * TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN * LEVEL OF DELINQUENCY ON ACCOUNTS * NUMBER OF ACCOUNTS WITH DELINQUENCY The only delinquency in my entire XXXX-year credit history is the only false report by Discover as illustrated by my previous complaint to CFPB XXXX. 
It has been over a year of this false report. Since Discover failed to produce any shred of evidence to prove their false statement that I agreed to a wrong random debit account for autopay, I request your kind help to force Discover card to correct the erroneous report to the credit bureaus immediately.

I need your help to have Discover remove this immediately with the correction to the credit bureaus they can produce any evidence of a recorded message indicating that I agreed to a wrong debit account number. The truth was that an incompetent discover employee erroneously placed a wrong debit account and then the Discover people tried to cover up their negligence and incompetency by ruining my unblemished record of XXXX years.
Product: Credit card

About a year ago my Kohl 's Credit card acct was hacked, I asked for a new account # and they refused, " that 's now we do it, '' they said they 'd lock my account with a pin. I had not made a purchase again until last week, in the store and no one knew anything about a pin after 45 min in the store with the store on the phone they removed the pin so I could make a purchase. A week and a half later my account was hacked again, and they still refuse to change my account number, even the police said they never heard of such a thing, how many times do I have to get hacked and inconvenienced? The only way they will give me a new acct is if I close it and reapply for another card, which will then go against my credit, this does not seem fair, that I should suffer because their fraud dept ca n't handle the fraud?
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individuals to whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In General if, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove inaccurate personal information/addresses listed on the credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX Please remove inaccurate hard inquiries : -XXXX XXXX-Please Remove -XXXX  XXXXPlease Remove -XXXX XXXX XXXXXXXX XXXXPlease Remove -XXXX XXXX -Please Remove XXXX -Please Remove -XXXX XXXX XXXX -Please Remove -XXXX XXXX XXXX XXXX -Please Remove -XXXX XXXX -Please Remove XXXX XXXX - Please Remove Thank you, XXXX XXXX XXXX
Product: Checking or savings account

I was a victim of a scam. My checking account and some credit cards were compromised. The bank took all my money from my savings account. I almost lost my car, and I had to put some credit cards with a debt consolidation program because I couldn't make the delinquent payments. I filed a police report and tried to work with the fraud department of the bank, but went no where. now they want me to pay them {$1700.00}. NO WAY
Product: Student loan

COVID federal student loan flexibilities started on XX/XX/XXXX ( see photo with history of flexibilities passed by congress ). At that point, interest was 0 % and student loan payments were suspended. 

On XX/XX/XXXX I requested to switch my XXXX plan from XXXX to XXXX. I submitted an application with XXXX to get this completed. This application was processed on XX/XX/XXXX. On the same day, I received notice that my student loan interest had capitalized from repayment plan change ( see photo ). So my interest was added to my principal loan balance and effective accrued interest was {$0.00}. 

I have since applied for XXXX, as I am a physician working for a non-profit organization, and have been since XX/XX/XXXX. On application to XXXX, my loan servicer was switched from Great Lakes to XXXX. This was completed between the timeframe of XX/XX/XXXX ( closed accounts with Great Lakes ) through XX/XX/XXXX at which time I had access to and all accounts with XXXX servicing. 

On logging in to XXXX to prepare for return of student loan payments, I noticed that I had interest accrued of {$6700.00} ( see photo from XX/XX/XXXX ). At that point, I was in forbearance ( still for XXXX ) with a 0 % interest rate. After noticing this, I reached out for guidance from XXXX, who indicated that in their investigation student loan interest had accrued prior to transfer to their servicing. On discussion with student aid.gov ( 2 complaints/case submissions ), they encouraged me to get details of payments, loan history and interest accrual from XXXX. This was requested and never provided. After I was unsuccessful here, I moved on to submit a complaint with NelNet ( took over all servicing for Great Lakes ). See photos for submission dates - I have not received any response or feedback from them. I also submitted second case with XXXX and have gotten no response.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXXXXXX  Credit Bureau XXXX Experian Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, Experian, and XXXX ) : XXXX : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

XXXX : Highest reported balance : $ XXXX balance owed : $ XXXX status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to Experian, the account was closed due to inactivity, while XXXX indicates it was reported as a loss by the creditor. Furthermore, XXXX provides different information about the high balance. This inconsistency violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information.

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus. 


I am requesting that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference. 

Thank you for your prompt attention to this matter. I look forward to your quick response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure what exactly..but it seems off almost like its missing information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian regarding a bankruptcy on my credit report.

1 ) Bankruptcy - I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). Experian responded the information as " verified ''. I provided written documentation to Experian from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). Experian responded the information as " verified ''. Experian has failed to provide how and with whom the information was verified. 

I provided I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). XXXX  responded the information as " verified ''. I provided written documentation to Experian from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. XXXX  has failed to provide how and with whom the information was verified. 

I provided written documentation to XXXX  stating XXXX  removed the bankruptcy from my credit reportXX/XX/2020 ; yet reinstated the incorrect item on my credit report 2 ) Charged-off account - I provided written documentation stating Experian is reporting late payments to a charged-off account ( XX/XX/2020). Experian responded the reporting of late payments on a charged-off account as accurate.

Charged-off account - I provided written documentation stating XXXX is reporting late payments to a charged-off account (XX/XX/2020). XXXX  responded the reporting of late payments on a charged-off account as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I had a credit card through XXXX XXXX opened up fraudulently as well as a bank account and many other accounts. So I made a police report and canceled all accounts. I reported it to all 3 credit Bureaus. I called XXXX XXXX to provide police report number and I thought it was all taken care of. But they reported as bad debt. I tried disputing it and it came back verified. I requested the information obtained to verify the debt and nothing. So I doubled back to XXXX XXXX and the noted all the information, police report in file and everything. But stated there only objective was to collect the debt so the account has been sold to XXXX XXXX. I spoke with a XXXX  rep who told me the address connected to the account which was added to my report based off the credit card account was the verification. Its a fraudulent account due to identity theft. This is a hard process even with documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax makes it impossible to get your annual, free credit report online. It doesnt matter how many times or how accurate the verification questions, Equifax always make you request your report by mail. This is against the spirit of the law and undermines the intent of the law. Equifax needs to be found in violation.
Product: Checking or savings account

Since opening account with Navy Federal Credit Union in XXXX, I suspected that my funds being deposited were stolen in small quantities throughout account opening and closing of account approximately XXXX. Since then, I have obtained access to mortgage account history that appear to confirm my suspicions. I ask that you please review all payments received by Navy Federal Credit Union that occur prior to and after monthly loan payment made. It appears that multiple payments are made to mortgage accounts. Also, please pay special attention to transactions occurring on due date XXXX date processed : XXXX, XXXX, XXXX for {$1000.00} per transaction.
Product: Checking or savings account

I took out a student loan from XXXX for XXXX XXXX in order to finance my XXXX XXXX in XXXX XXXX from the XXXX XXXX XXXX XXXX. XXXX then disbursed the entire amount {$12000.00} to the XXXX XXXX XXXXXXXX, which uses a third-party bank, XXXX XXXXXXXX XXXX to disburse the check to me. XXXX XXXXXXXX issued me a check on XX/XX/2022 made out to my maiden name, XXXX XXXX XXXX. See attachment XXXX. I attempted to deposit this check, along with six other checks made out to my maiden name, to my Bank of America Checking Account through Bank of Americas mobile app on XX/XX/2022. See attachment XXXX and XXXX. As you can see from this statement, I had a balance of {$9400.00}, which included the deposited check for {$6300.00} that I intended to use to pay down my student loan. On XX/XX/2022, Bank of America sent me a letter saying that they are closing my account and will return the funds in the checking account to me, but that the decision to close my account would likely affect my credit. See attachment XXXX. On XX/XX/2022, Bank of America then sent me a letter saying that they had closed my account and would only issue me a check for {$3100.00}. They said that they have frozen the remaining funds ( the check for {$6300.00} ) and they would not be returned to me if the check was determined as stolen or fraudulent. See attachment XXXX. From the attachment XXXX you can see that this closure and report of fraud did go on my credit report. I have been unable to open another bank account since it was reported to XXXX XXXX. Bank of America said I had to get the money back from XXXX  XXXX, and XXXX XXXXXXXX needs to initiate a BANK TO BANK Recall for the money. I have been calling XXXX XXXXXXXX XXXX XXXX department to try to get this issue resolved for more than a year. They have told me that they dont have a procedure to do a bank-to-bank recall. They requested a police report and then a sworn affidavit as to what happened. See attachment XXXX Now, after submitting the documents they requested, XXXX XXXX has closed my complaint and told me that I must get the {$6300.00} from Bank of America. See attachment XXXX. I still have not received my {$6300.00} that would enable me to pay down my student loan, even though I have graduated by now.
Product: Debt collection

This company has fraudulently reported misinformation to the credit bureaus and it has severely impacted me to the point I may be homeless in a few weeks. Valley Credit Services out of Oregon is the company. They say theyre removing it, but its too late and also they refuse to provide a single but if proof theyre doing this. It is nearly impossible to be the first applicant in WA state. First qualified applicant has to be chosen for the home, legally. There are 50 applications anytime a home is listed. After three months of trying, I was never first applicant. I was FINALLY the first applicant this week and ready to sign papers until valley credit services in Oregon broke the law and intentionally reported misinformation about me, causing me to lose the home and be in a position where Im about to become homeless. Im suing this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed late payments on my XXXX, XXXX and XXXX credit report and provided proof that the original creditors were contacted, and the late payments remain. XXXX, XXXX and Equifax are in clear violation of my rights as a consumer. I sent over a letter received from XXXX on XX/XX/2021 advising that all late payments should be removed and as of today XX/XX/2021, they remain. I sent over a letter sent to me from XXXX / XXXX stating to discharge and remove any late payments and as of today XX/XX/2021, they remain. The below listed accounts have not been resolved and late payments still remain : Account Name : XXXX Late Payments : XX/XX/2021 and XX/XX/2021 Account Name : XXXX Late Payment : XX/XX/2021 Account Name : XXXX  XXXX Account Number : XXXX Late Payment : XX/XX/2021 Account Name : XXXX XXXXXXXX Account Number : XXXX Late Payment : XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

Hello! On XX/XX/XXXX Certified dispute sent to Equifax. On XX/XX/XXXX received notification Equifax signed for mail. Received Letter in the mail on XXXX/XXXX letter dated for XX/XX/XXXX that Equifax is unable to verify me therefore causing a delay and stall tactic that Equifax purposely mails the consumer back stating we can not identify the individual. I have provided proof that Equifax uses this stall tactic to prolong and delay their dispute status. I have provided the letter received on XX/XX/XXXX dated for XX/XX/XXXX, and my last dispute dated for XXXX which advise we can not verify you. I find very difficult that Equifax can not verify my identity when they sell, share, and house my data without written consent or provide proof on demand of the alledged items Equifax reports. Once again I have provided the requested documents so that we can avoid any further delays with the dispute process. I provided the requested items again for you to verify my identity and my original dispute
Product: Debt collection

I contacted XXXX multiple times to try and get my SCRA benefits put in place. I even emailed them a document of my military XXXX orders to their SCRA department. The dates of these emails were XX/XX/2017. A few weeks later my account was closed and sold to a collection agency 2 weeks later as reported by my monthly credit report. I did not receive any emails back from there customer service after XX/XX/2017.
Product: Vehicle loan or lease

The company Santander Consumer continues to report a late payment every month for a account the has been closed and charged off since XXXX of 2015. It is  illegal to report a late payment to an account that is closed.
Product: Credit reporting or other personal consumer reports

TRANSUNION XXXX XXXX ( XXXX ) - ( XXXX ) XXXX ACCOUNT IN VIOLATION FIX ERRORS OR REMOVE ACCOUNT XXXX XXXX ( XXXX ) - ( XXXX ) XXXX My expectations were not met by your submission, which seems to have deviated from the Metro 2 guidelines. Prior to being added to my credit profile, all information must be accurately and completely completed in compliance with the guidelines. 
There are too many Inaccuracies & Incorrect Information showing that you have not complied with the applicable standards. Remove this Inaccurate/Incorrect Account off my report Immediately. 


Two-Year Payment History : ( XXXX ) PAYMENT HISTORY DIFFERENT XX/XX/XXXX TO XX/XX/XXXX XXXX : Payment History is Completely Different : XX/XX/XXXX TO XX/XX/XXXX TransUnion : Payment History is Completely Different : XX/XX/XXXX TO XX/XX/XXXX I deal with the disparities in payment history reporting between different agencies in a frustrated and unsatisfied mood. The accuracy of the reported data is contested in this formal consumer complaint, which demonstrates my resolve to make things right. There should be no room for compromise ; I demand that reporting entities take corrective action right away. 


Account # : ( XXXX ) ( XXXX ) DIFFERENT ACCOUNT NUMBERS FOR SAME ACCOUNT. HOW ARE THERE 2 DIFFERENT ACCOUNT NUMBERS? 
XXXX : XXXX TransUnion : XXXX High Balance : ( XXXX ) HIGH BALANCE SHOULD BE {$0.00} XXXX : {$27.00} TransUnion : {$27.00} Last Verified : ( 2 ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/year> Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES? 
XXXX : XX/XX/year> TransUnion : XX/XX/year> Closed Date : ( XXXX ) ( 2 ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Company has charged off on account. Income IRS, XXXX etc states income isnt included on a credit report. Charge offs are taxable which means its income. I have not received a 1099 from company and will be reporting that to the irs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing trying to get some clarification on my student loan. I have filed a complaint but still to no avail. I took out 2 student loans in 2008. Every time XXXX distributes money for my semester it shows as a new open account on my credit reports. My score just went down XXXX points in XXXX for a disbursement. Why do I have individual accounts on my credit report and I only have 2 loans. Is this legal? It is like double dipping. I look like I have 17 separate accounts and 2 original loan amounts. I need this to be corrected. I only have original documentation for the 2 loans. I also need my points back on my credit reports. Trans Union and XXXX.