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

Ive been disputing my child support payments for inaccuracy Experian keep reporting {$0.00} payments & late payments on my credit report for the past 3 years and it hurt my credit XXXX points within 3 years of reporting {$0.00} payments Ive reached out to the child support agency and they told me Experian never reach out to them about this concern and they cant do nothing about it until Experian reach out so how is Experian investigating this if they never reached out to the child support agency I have documents that support my payment history and I have screenshots of the Experian report that this is effecting my credit
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding the results of a recent investigation conducted by Experian, Report NumberXXXX concerning inaccuracies in my credit report related to the XXXX XXXX account ( # XXXX ). As per 15 U.S. Code 1681e and 15 U.S. Code 1681i, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and to thoroughly consider all relevant information provided by the consumer during any reinvestigation of disputed information.

The following discrepancies and inaccuracies remain unaddressed and unresolved in my credit report : Last Payment made : XX/XX/XXXX. 
Payment history/rating for XX/XX/XXXX is reporting as " current ''.

Date closed : XX/XX/XXXX ( inconsistent with XXXX ). 
Date of removal : XX/XX/XXXX ( inconsistent with XXXX ). 
XXXX Reporting : This account is not being reported by XXXX. 

Regarding the lack of reporting by XXXX, as per 15 U.S. Code 1681e, consumer reporting agencies must ensure the information in consumer reports is accurate and up-to-date across all major credit bureaus. The Federal Credit Reporting Act ( FCRA ) mandates that the reporting agencies, such as Experian, XXXX, and XXXX, maintain consistent and accurate information. The discrepancy in reporting this account by XXXX is a violation of this mandate and affects the overall accuracy of my credit profile.

I have provided all relevant information to support my dispute, yet these discrepancies persist. In accordance with 15 U.S. Code 1681i, I am entitled to a thorough reinvestigation of these inaccuracies. Furthermore, under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) and ( 7 ), I am requesting a detailed description of the reinvestigation procedure employed by Experian.

Please provide the following information promptly : The method of investigation used by Experian to verify the disputed information.

A detailed description of the reinvestigation procedure, including any steps taken and the sources of information used.

I expect to receive this information within the 15-day timeframe specified by the Fair Credit Reporting Act ( FCRA ). Failure to comply with these statutory requirements will leave me no choice but to escalate this matter further, potentially including legal action to ensure compliance with federal regulations.

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Vehicle loan or lease

I bought a car and financed through State Farm Bank. I have been paying the loan in good faith for over a year. I went to  renew tags and car was never registered in my State ( VA ) by dealer. DMV does have the car info. Dealer closed doors. Contacted State Farm Bank to ask for title and to see if dealer gave they the title when they funded dealer. State Farm Bank never secured the title or any info regarding the car from dealer. State Farm Bank just paid dealer for a lien/title ( product ) they never had. I even said I'd pay loan in full to give me the title, to hear from State Farm Bank that they do not have the title to my car and no other info regarding the funding or payment to dealer. I asked them how they funded dealer without title ( lien ) and they told me it is not their problem and I have to pay the monthly installments or in full. I asked them if paid in full how they will provide the title to hear that is not their problem and i have to pay the loan. 
This is being investigated by the criminal division but meanwhile State Farm Bank demands payment on no collateral or no lien, title. I can't understand why, I have to continue paying for a product that they don't have title. This is fraud on their part as they are continuing receiving monies for nothing. 
And since this is a criminal investigation, I have to lease a car to commute to work. How can a finance company or bank do this?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account # XXXX has violated my rights.

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) also specifies that a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXXXXXX XXXX- XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. Accounts need to be removed from report.
Product: Debt collection

Dear Williams & Fudge Inc., WFCORP, WFCARES, Williams and Fudge, or whomsoever may this concern. 

I am responding to your contact about a debt you are attempting to collect. You contacted me twice by email on the same day ; the first email was received on XX/XX/2019, at XXXX XXXX   stating I owed {$5900.00} for an account placed with your office for collections, and again, the same day, XX/XX/2019, at XXXX XXXX, I received a second email for the same account with the amount due {$15000.00}. 
Both emails identified the debt as having been placed with your office for collections and suggested I contact your office to clear the outstanding debt or use one of the various payment methods provided. Both emails contained disclosures that this was debt collection, and any information obtained would be used for that purpose. As of XX/XX/XXXX, I tried contact your office via the direct number provided for the agent, but have yet to receive a call back. I never received the written notice of my option to dispute this within 5 days of this email contact, which was the first contact I received from your company. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

credit agency is reporting incorrect information. changed a charge off, and made this debt active and put 120 late payments on my report. 

( Your US DEPARTMENT OF EDU payment history has changed The XX/XX/2019 payment status for your US DEPARTMENT OF EDU student loan account was updated from " Charged Off '' to " 120 Days Late ''.
Product: Student loan

Today XX/XX/XXXX I recieved a call from XXXX XXXX. I explained I had previously asked to have a billing statement to show my correct balance remaining since I am under the impression my loan balance has not reduced and had stayed at XXXX for a few years now. The individual on the phone just demanded I pay and did not want to provide a itemized statement as i requested. I provided my email address and confirmed my home address. He said the statement had been sent and I had not recieved a current statement only letters of collection. 

Called navient customer service around XXXX XXXX XX/XX/2018. 

Was informed my email address was changed from XXXX to XXXX in XX/XX/XXXX. 
I also tried before the call to retrieve my user name and password and received the message stating that navient did not have me on file. Pic attached. 

I had even tried to re register and no information was found regarding my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuse to remove/provide me with the tools they use to investigate error on my credit report. I disputed these items numerous times each and they refuse to remove them
Product: Credit reporting or other personal consumer reports

I received an email notification that a hard inquiry posted on my credit file. I checked the credit report agencies and saw that two credit card inquiries ( XXXX XXXX and XXXX XXXX ) and were initiated within the last few days that I did not request. I placed fraud alerts and security freezes on my credit file with all three agencies. The agencies recommended that I report this on ftc.gov
Product: Debt collection

After several intimidating phone calls from Portfolio Recovery Associates LLC, I made a payment of {$1100.00} to them. When I realized that I could dispute the debt, I requested for a signed legal binding contract from XXXX XXXX showing that they were assigned to collect the money they insisted that they were told to collect. They only sent bank statements. They never showed or sent any signed, binding contract with XXXX XXXX to collect the payment. Since they were not able to provide such information to me, I demaded that my payment be returned because they fradulently took my payment. I really want my hard-earned money back.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by TransUnion Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Account Information : Account Name : XXXX  Account Number : XXXX Reported Late Payment : XX/XX/XXXX High Balance : {$160.00} Balance Owed : {$0.00} Account Status : Closed, Paid Evidence of Errors : Discrepancy in Reporting : TransUnion incorrectly reports a 30-day late payment in XX/XX/XXXX. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request. 
Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payment for XX/XX/XXXX from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA.

Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

We have done all that we were asked to do in a very timely manner. Then it seems like we were doubled crossed by Bank of America for the second time. We were highly recommended to go into this forbearance and then when it was over, they would help us get back on track and start over. Due to covid loss of income. This has been a nightmare. now they won't even talk to us. Keep sending mail for repeated documents, over and over. They have not kept their word. then they started foreclosure on us, and served us papers while fully into a modification. Help is needed for this matter. We have done all that was asked in a timely manner, with hardly any complaints, until now we feel like they are about to try to railroad us. This is our home and our family is in need of support and recommendations about this matter. BOA has dragged this on long enough. Please help.
Product: Debt collection

The below mentioned accounts I have never had an account with these companies, I have never conducted any business with them and I don't know who they are. Yet they are reporting these accounts on my credit report. 

XXXX XXXX Balance {$170.00} opened XX/XX/XXXX XXXX XXXX Balance {$270.00} Opened XX/XX/XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$810.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$880.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$1300.00} Opened XX/XX/XXXX XXXX XXXX Balance {$320.00} Opened XX/XX/XXXX XXXX XXXX  Balance {$270.00} Opened XX/XX/XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$1300.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$810.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$880.00} Opened XX/XX/XXXX XXXX of the collections reads : Acct # XXXX Original Creditor ( there is no creditor name and or contact information provided ) Balance {$170.00} Opened XX/XX/XXXX
Product: Credit card or prepaid card

I have been a loyal Citicard hold since XX/XX/XXXX. I've always paid my bill on time and kept low balances on my card. XXXX has never had a problem with me. On Friday XX/XX/XXXXI called and added an authorized user on my account. The rep even thanked me for being a good card holder. Well this weekend I went to use my card and found out my account was closed. I was later told ( this morning ) it was because I added to many authorized users. I honestly did not know I had a limit or I would have never added anyone else to me account. I have a vacation to XXXX XXXX next weekend for my birthday and the card they closed is my vacation card. The hotel is reserved with that card. I have to produce the card in order to check in. Also I'm on the process of purchasing a house. With the closure of the account my credit score will drop tremendously and it will negatively effect my utilization. I need my account reopened, this close will effect my life in so many ways.
Product: Credit reporting or other personal consumer reports

I am exercising my right under section 605B ( a ) of the FCRA to request a block of the following information due to Identity theft : XXXXXXXX XXXX account # XXXX. My original request to block was sent via mail but was ignored by Experian. Ive attached the receive receipt and my original identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company name : XXXX Account number : XXXX. 

XXXX used my credit report improperly. 

I opened an account with XXXX for a WiFi router  in XXXX. I have been paying this account perfectly until the contract expired in XXXX. I then lost the router. 

On the XXXX of XX/XX/XXXX. I called XXXX Cancelations department as I was no longer using the router and I had the right to cancel it because the contract had expired. I requested for a cancelation which was confirmed telephonically. The reference number of the phone call is : XXXX XXXX XXXX XXXX. So then I proceeded to stop the debit order on my side. A couple of months down the line I get phone calls from Debt collectors saying I owe XXXX. I called XXXX, I spoke to one agent who confirmed that there is a cancelation request which was placed in XXXX when the account was still up to date. And she confirmed that she also does not understand why the account was not canceled. She advised me to lodge a dispute which I did. But until this day the matter has not been resolved. Debt collectors are still calling me asking me to pay. When I call XXXX to follow up on the dispute, I get sent from pillar to post. No one is giving me answers. I have involved my lawyers in the matter and they're still working on it.
Product: Credit reporting or other personal consumer reports

These requests are not approved by me and are irrelevant to my monetary exercises. I demand their quick expulsion from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE SUBMITTED LETTERS TO THE CONSUMER REPORTING AGENCIES REGARDING SOME ACCOUNTS REPORTING ON MY FILE. THEY ARE VIOLATING MY CONSUMER RIGHTS UNDER 15USC1681A ( 4 ) AS I HAVE A RIGHT TO PRIVACY. THEY ARE ALSO VIOLATING 15USC1681A ( 2 ) B AS I HAVE THE RIGHT TO EXCLUDE THESE ACCOUNTS THAT ARE REPORTING ON MY CONSUMER REPORT AND UNDER 15USC1681N THEY ARE NOT COMPLYING WITH ME AS THE CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report., I found that under section XXXX ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$250.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 43 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I attempted 3x to temporarily unfreeze my credit using the online form provided. At the end of the data submission, the progress wheel continued spinning until the website timed out without processing the request each time. 

I then called Experian at XXXX and followed the voice prompts to confirm my identity and inform my intent to temporarily unfreeze my credit. At the end of the process, the recording informed me I would need to write to Experian, provide numerous documents establishing proof of identity, and my request would be honored within 3 business days. The recording reiterated my request would not be considered unless I wrote and provided the requested documentation.
Product: Credit card or prepaid card

i recieve social security ssi my normal payday with cash app is the XXXX th but this month the XXXX th falls on sunday i been calling XXXX texting cash app about my deposit they claim they did not recieve it i contacted social security XXXX they verified the deposit was made on the XXXX XXXX for XXXX im XXXX XXXX depend on these funds they continue to lie stating they did not recieve the funds but they have with all the news of cash app being decietful im living in fear of the loss of my federal assistance
Product: Prepaid card

Since XX/XX/2023, Bluebird has held {$1100.00} of my money hostage. During that month, they locked me out of and suspended my prepaid account. They refuse to unlock the account and/or mail me a check in the amount on the prepaid funds in my account. Every time I call, the calling center states that there is nothing they can do. It has to be illegal for them to withhold my monies.
Product: Checking or savings account

About three weeks ago, I couldn't log in into my truist online banking app. 
Said I needed it to call so I did .. the answers was .. your acc has been blocked but I cant see why... so she told me to go to a physical branch. Which I did and their answer was... it looks like your account has been blocked due to fraud, but the system won't show me exactly why..the banker told me to wait until the following week to call and ask. .. so I did and they still didn't have an answer for me... two weeks with a blocked account and {$2.00} dollars in it. I received a letter from truist saying that I was negative {$12000.00} due to some fraudulent checks.. .. and says please pay the balance in order not to send you to collection ... .. but I never did any transactions ... my account was never with more than 1,500 in it.. 
Please help.
Product: Debt collection

This company keep calling about a debt they are saying I owe. They are threatening me and calling my work. I have asked them to stop. I XXXX  the number and it said they were collecting for XXXX. I contacted XXXX   and they apologized and said that the call was a fraudulent scam! The collections company said they were CDR. They asked for my social security number! They also leave a ton of personal information in voicemail messages that anyone could be listening to!