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

Dear Equifax To Whom It May Concern : I was in the process of applying for new employment and housing 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.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX Account Number XXXX XXXX Delete this account. 
XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and then again in XX/XX/2018 I submitted evidence in a dispute to Experian that I was a victim of Identity Theft. The response to my dispute was limited in action and results. Despite, follow up both by mail and phone dispute I am afraid I at a dead end, in a matter that has cause my personal financial life to be in disarray.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my updated credit report and notice multiple fraudulent/inaccurate inquiries that the credit bureaus refuses to help delete and even fail to send me an original document proving that the information was accurate. I've talked with numerous of representative from the company and still no cooperation with help removing or deleting the below fraudulent/inaccurate inquiries. 
XXXX XXXX XXXX XX/XX/2021
Product: Mortgage

My house was foreclosed on XXXX XXXX, XXXX, and they trying to evict me out of my property. I was in a loss mitigation forbearance plan with my mortgage servicer when they foreclosed. Faxed mortgage assistance documents with my income XXXX XXXX, XXXX, at the request of XXXX XXXX in loss mitigation who was processing my request for mortgage assistance. I did not know my house was in foreclosure, didn't receive foreclosure letter from mortgage servicer or foreclosure attorney. Did not receive letter saying my mortgage was being accelerated or to validate the debt. My mortgage statement dated XXXXXXXX XXXX XXXX shows my mortgage loan was in a loss mitigation forbearance. Did not receive letter either saying my property was sold in a foreclosure sale. The mortgage company is now trying to evict me from the property. 
Please Help! Tennessee law says I was to receive foreclosure notice 30 days before sale letter to validate debt and acceleration debt letter. Never received mail about foreclosure.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX Balance Owed : {$25000.00}
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On our Discover credit card, my husband and I owed {$280.00} by XX/XX/2019. I have a recurring payment set up with our bank 's bill pay for {$200.00}, which went out on XX/XX/2019. At the time, I did not realize that the payment should have been {$280.00}, rather than {$200.00}. I always try to pay more the minimum each month, and I have never been late on a payment. Discover contacted my husband on XX/XX/2019 by phone. They were attempting to get him to pay, not only the {$82.00} that we were behind, but they also wanted the XXXX payment that was not due until XX/XX/2019. He doesn't do our budget so he told them that they would have to speak to me. He did not give them our bank account information over the phone and authorize a payment. He called me and told me about the situation, and asked me to take care of it. I immediately went online to look at what we owed, which was have been {$82.00}. Because I like to pay more than the minimum payment each month, I decided to make a payment of {$250.00}, which was made on XX/XX/2019 through Discover 's internet payment option on their website. Until then, Discover did not have our bank account information so they would have been unable to process a payment. On, XX/XX/2019, I was traveling, and I started to get epay alerts for overdrafts in my bank account. When I checked my account, I realized that Discover had withdrawn an additional {$360.00} dollars from our bank account on XX/XX/2019, which caused us to go into overdraft and be charged {$36.00} every time we use our card. We contacted the credit card company immediately to ask them to remedy the situation. Because my husband is the primary on the account, the hour that I spent on the phone with them getting passed back and forth and repeating my story counted for nothing. My husband called and spent another half our talking with them, then I had to call them and spent another 45 minutes repeating our story and getting transferred to different people before they said they would investigate the situation. I am now waiting for a response from them which they said would take up to 48 hours. Meanwhile, not only are we out the {$360.00} dollars that we had earmarked for our travel, but we also have hundreds of dollars in overdraft charges. Please help us recover our funds!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit repair company working on my credit report. An item was removed from XXXX, but Experian and XXXX  have not removed the same item. When I spoke to the representative at Experian and aksed what proof the collections company provided to prove the debt on my report, I was told they don't need to provide anything. When they were asked to investigate the item, they did not ask the collection company to prove anything. The item is reported by XXXX XXXX XXXX, XXXX on behalf of XXXX. I tried to reach out to XXXX and they referred me to XXXX XXXX XXXX, XXXX. Neither company has been able to provide anything to prove the debt to me. The item needs to be removed from Experian and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is stating I have a bank card that was recently closed, and no card has been closed on my transunion report recently.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act XXXX  account # XXXX for Volkswagen credit inc, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on my account that is CURRENT right now under an open and consumer credit plan as late for whatever purpose. 


I have been going through immense financial hardship due to my son being diagnosed with XXXX and not having any help so my car was reposted. I got 2 months assistance for XXXX and XXXX for Volkswagen credit and they said okay no problem this will report as current on your report, no it is not!! Showing Im 2 months late, again!! They will not remove the repossession off my credit even asking them to dispute it. I am a single mother trying to fix my credit and they are charging me all these crazy fees even after I spoke to someone saying if I got my account current they would removed the late payments with me. When my son was diagnosed I had a choice - either to give him all the therapy he needed to help him strive and quit my job to do that or keep my job and have my son not get the help he needed. This was a legitimate financial hardship and they are tearing my credit apart and violating my privacy rights all of my credit with all of these reporting like I said, the representative told me would be removed after said account was up to date and still is reporting at late. Please help
Product: Credit reporting or other personal consumer reports

I checked my XXXX report and found an unauthorized Capital One Auto Loan opened on XX/XX/year>. I do not recognize this account and am reporting it as fraudulent activity. The reported balance is {$30000.00}, and I have submitted a claim to XXXX regarding this issue.
Product: Debt collection

This debt was reporting to my credit report since XX/XX/XXXX which is not even mine. I tried to disputed with the bureau keep coming verified, but I dont have knowledge of it. I try to contact the creditor to validate the debt they also failed to validate, then I contacted back the bureau says that they creditor failed to validate this debt, which I request immediate delete of the debt. But they bureau refused to remove the debt, it only XXXX  I think who deleted. On XX/XX/XXXX I sent another letter to the creditor request immediate validation they failed again to validate. Instead of validate the debt, they put a duplicated account again on my credit report ; the same account number, the same amount {$410.00} and change the opened date to XX/XX/XXXX. They have violated my rights to not notify me by sending me a 30 day notice so I can dispute the debt. The failed also under the FDCPA. Information must be correct and 100 % accurate.
Product: Debt collection

Portfolio Recovery never sends the requested proof/verification of debt. They have accepted agreed upon settlement offers but either continue to report the debt as owed or sell the debt to another company even though they have received funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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: Checking or savings account

I have been getting a lot of over draft fees on my accounts ( XXXX ) over the past XXXX  months with Navy Federal Credit Union
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - Account type : Debt Buyer - Original creditor : XXXX Comments from previous dispute : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Debt was sold to a collection agency, in who I don't know or that I never made an agreement with them. Furthermore, the original creditor has broken California law ( please see attached ). The loans from the original creditor were in amounts of {$2600.00} with over allowed interest rates in the year 2018. In the matter brought to a court in the state of California, there is a false representation on the amount of debt owed, which is a violation of the FDCPA regulations. 

With XXXX XXXX XXXX - under 15 U.S. Code 1692g - Validation of debts - I have never received any correspondence from this company. I have disputed the debt through the credit bureaus and did not receive : Within five days of contacting a debtor, the debt collector must send a written validation notice that includes : 1 ) How much money the debtor owes 2 ) The name of the creditor to whom the debt is owed 3 ) Notice that they have 30 days to dispute the debt and what to do - A tear-off portion to use as a dispute form. 

I also did not give any of the credit bureaus to use my information for creditors to contact me. 15 U.S. Code 1681b. Under 15 U.S. Code 6802, my information should not have been given to a 3rd party either. I was not given the opportunity to opt out of communication with XXXX XXXX XXXX, which is also illegal. 

I have been notified by my ex-wife, friends and some family that they have recently been contacted by representatives that are trying to reach me in regards to this debt. This is another clear violation of the FDCPA.
Product: Credit card

On XX/XX/2023 a cash transfer for {$5000.00} was sent to a bank account. The date posted was for XX/XX/2023.The credit card company is stating that I said it was a valid transaction because the call generated from my phone number. They gave me the runaround transferring from person to person with everyone giving me a different answer. I did a police report and opened a identity theft case but they claim is not relevant. They did not want to take any of my documentation. I closed the account and warn anyone from opening an account with Barclays JetBlue credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, with original XXXX XXXXXXXX for XXXX is still showing on my credit report, when I have consistently reported information incorrect, and due to possible fraud. It needs to be removed immediately, otherwise I will take legal action. 

The credit bureaus continue to disregard the law. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus are required to modify or delete accounts that are not reporting accurate information.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after confirmation of errors. 
A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact accurate. 

The credit bureau has no respect for laws, and I expect them to be held accountable.
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 Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and 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: Debt collection

Sallie Mae made 4 robocalls to both my home phone ( XXXX and my cell numbers in one day. I had previously asked that they did not call my cell number but I was fine with home calls. In a discussion with them tonight I felt harassed by four calls in one day especially since the person who took out the loan had made arrangements earlier in the day for payment. She had also contacted them before about payment and is in the process of having my name removed as a co-signer. The person I was talking to raised her voice and told me it was within guidelines to call that many times. I feel her talking angrily and unprofessionally to me was demeaning and unnecessary. I asked to talk to a supervisor. XXXX XXXX, the supervisor, again told me this was not harassment. I feel four calls after arrangements were made is four too many not to mention 2 of them were to a number I asked them not to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not give permission to Experian to place the inquiry for XXXX on XX/XX/2023 and and asked them to remove their credit inquiry from my credit profile. I also asked them to ease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Placed me on collection with out proper notification and when I looked at my Credit reports Experian, XXXX, XXXX, all the information on it was wrong. Date opened date closed on my report and Dollar amount was wrong as well. Worse of all when the account was closed, XXXX sent an email and it said that I have a credit. I have written to all the credit bureau 's but with proof of full payment and dates open and closed they correct that issue but refuse to remove the false collection of which was paid in full. But they all write back saying that the account was verified
Product: Checking or savings account

On or around XX/XX/2020 when I attempted to use my online Banking with USAA Bank, a questionnaire " popped up '' stating information was missing or needed updating. I have been a customer with the bank for over 15 years. The questions included asking what my net worth was and what my annual income was. It was stated that the questions were required as compliance with the " Patriot Act. '' I stopped and did not finish the questionnaire as I felt it was getting too personal and an attempt at gathering marketing information. I called the bank and asked about the questionnaire and they told me again it was required due to the patriot act. I told the bank I had been a customer for over 15 years and I have nothing changed in the last few years and all this information had previously been provided. I asked why now I was being asked and the representative on the phone said I must have done something to trigger the questionnaire. I said I have done nothing. 

I followed up with emails on XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020 ; and asked each time what triggered the action. The contact site said they would respond back within 24 hours. I have not been responded to even once. I read the patriot act and it does not require my net worth or my annual income to be revealed to the bank. I feel I should be allowed to know what has triggered this action at the very least. Because I will not answer their personally intrusive questionnaire, I am unable to access the history and actions in my account to verify no charges are made on my account that I did not make. I am now being threatened with the closure of my account. 

Please let me know what exactly the Patriot Act requires a bank to gather.
Product: Credit reporting, credit repair services, or other personal consumer reports

My US Bank Home Mortgage Account is reporting that I have late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I never was actually late. This is a documentation error on their end. I even was emailed a confirmation from my payments. I've attached proof of payment. I don't want it to report that I was late when I really was. I pay all of my bill on time.
Product: Student loan

I have several federal loans managed by Nelnet. During XXXX of XXXX, I applied for an XXXX plan, REPAYE. It was approved by XXXX of XXXX. In XX/XX/XXXX, I applied for the XXXX plan, and sent Nelnet subsequent information on XX/XX/XXXX. The XXXX application has been processing ever since, being continually delayed. In the meantime, loans have been moved to several different repayment plans without an obvious reason, resulting in extensive increases in the total balance due to high interest rates. I have attempted to contact Nelnet several times in recent months. At one point, the customer service chat and email service was disconnected, meaning that calling was the only way to contact them. With a wait-time of up to 7 hours each time I called, I was unable to reach an employee. As of XX/XX/XXXX, I am unaware of the status of my loans, other than that the interest continues to rise, despite qualifying for the XXXX repayment plan via the federal student loan management website. Some information on the website is contradictory, specifically repayment due dates and dues. Please see attached screenshots for more information.