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

Upon reviewing my credit report, I found some erroneous information. The three credit bureaus are required to validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to fail to validate this reporting account as unverified information without providing proof within the legally allowed period. The following account needs to be investigated and corrected for erroneous reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following credit card accounts should not be reflecting on my current credit report due to natural disaster XXXX in XXXX. During the Pandemic it was a difficult time and I struggled with illness, a death in the family due to XXXX, and financial hardship making it difficult to maintain my bills resulting in multiple late payments As you will see I have been in good standing with all of my credit until XXXX hit. Take note of the following credit card accounts reflecting late payments during the Pandemic : 1. XXXX XXXX OPENED DATE : XX/XX/XXXX Account # XXXX - Balance XXXX Closed XXXX XXXX 2. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 3. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX - Balance $ XXXX OPEN 4. XXXX XXXX  XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance {$0.00} - Closed XX/XX/XXXX 5. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 6. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 7. XXXX XXXX OPENED DATE : XX/XX/XXXX Account # XXXX Balance {$0.00} - OPEN 8. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 9. XXXX XXXX XXXX DATE OPENED : XXXX XXXX, XXXX Account # XXXX - Balance XXXX Closed XXXX XXXX 10. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance XXXX - Closed XX/XX/XXXX 11. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance {$0.00} - Closed XXXX XXXX 12. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX - Balance XXXX - Closed XXXX XXXX 13. XXXX XXXX XXXX XXXX DATE : XXXX XXXX, XXXX Account # XXXX Balance XXXX Closed XXXX. XXXX 14. XXXX XXXX OPENED DATE : XXXX. XXXX, XXXX Account # XXXX Balance XXXX - Closed XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I called us bank credit cards to inform them my office manager had stolen money from the company and left town since she had a credit card in her name I needed to have her removed from the account I was told they removed her from the account and that they would pass to the fraud department and credit me back any charges to the account. I thought all was taken care of until I recived a call from a collection agency in XX/XX/XXXX sale I owe XXXX after many calls to us bank they sent me statements I did not receive due to she was able to call get a new card and have the billing address changed to her address with out my knolage .they told me they would look into the problem and contact me this never happened the last call to them the supervisor told me even though I was primary card holder I could not remove her from the account
Product: Credit reporting or other personal consumer reports

XXXX XXXX as a collection agency and original creditor XXXX XXXX are both reporting the same debt on my credit report. Both a debt buyer and the original creditor can be collecting on the same debt, especially if XXXX XXXX sold the debt to XXXX XXXX. Please delete both of these accounts from my credit report for incorrect reporting. this is double jeopardy.
Product: Credit reporting or other personal consumer reports

In XXXX, my loan car was involved in an accident, and the insurance company admitted that the car was a total loss .Due to poor communication between the bank and the insurance company, I received a late payment notice despite being assured that everything was fine and that I did not need to worry. I later discovered that the bank had returned the check to the insurance company for the loss. Despite this occurrence, I was not promptly notified of the issue until the payment deadline had passed. Moreover, during this time I was in the XXXX doing XXXX XXXX and wasn't able to stay in touch every day. I pay all my bills on time and have never had any issues with any bank. 

Negative account XXXXXXXX XXXX
Product: Student loan

Due to the recent economic downturn, my income has been severely cut. I have contacted Navient about lowering or postponing my payments until this crisis is over but I have only received copy-and-paste replies which have no information except to call them and wait on hold indefinitely until I get through. This is not acceptable. Navient needs to be proactive during this time by reaching out to private loan holders with options. During this time, they also need to cease and desist harassing co-signers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My monthly installments were paid before being turned over to collections. I also paid an extra future installment payment and ally financial agrees with me that my payments are up to date plus one month ahead of the billing statement.
Product: Credit reporting or other personal consumer reports

I have sent in affidavits to request specific verification that the CRA 's have been avoiding giving to me to verify that they are actually doing the investigative consumer reports prescribed by FCRA. These companies believe that they are above the law because they are large and have automated systems set up to detour consumers from getting personal access to someone to rectify and remedy these situations in person. 

I do not want my personal information analyzed, serviced and resold by companies who do not have my best interest at heart. These companies report erroneous claims because they have a financial interest in consumers having inaccurate reports. That means more credit monitoring, reports, security freezes and inquiries. How is this fair ir equitable for the consumer as required by Congress in the FCRA. 

I have used this medium to complain over the past years of the inaccurate information that they report and make money off of and not once, even with the deletions and admissions of guilt did they pay me the monetary compensation due. Its been a complete run around with rectifying this and now I am prepared to take this to court if they do not comply. Final attempt to settle outside of a class action suit that I have gotten prepared by my consumer attorney for me and a class of similarity injured Americans nationwide.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several failed attempts to have the remaining incorrect address removed from my credit report with Experian, made 1 final attempt yesterday, XX/XX/XXXX, via Experian 's online dispute center. In less than 6 hours email notification was received informing dispute results were ready. NOTHING was done & my report remains exactly the same, still listing the duplicate/incorrect address despite already having my 1 and only correct address listed. 

Over the last 4 years the issues encountered with Experian have been ongoing & continue to do so today. Some inquiries/requests submitted even remain unanswered to date. In fact, I was forced to give up thanks to making NO progress at no fault of my own.

The tremendous efforts made to correct and repair my credit & credit file, require significant dedication & time away from my employment, yet remain unrecognized and/or rewarded with my credit file & status showing NO improvement. Meanwhile the credit bureaus & reporting agencies continue to do, literally, whatever it is that they please facing no consequence ( s ) nor held accountable. Despite my best efforts I continue to suffer.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed this account. I feel that this account is adversely affecting my credit report I have disputed and contact them numerous times in reference to this account I've also provide them with a identity theft report this account is hindering me from purchasing my dream home. 

XXXX is the Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Items where illegally ran on my credit. Not giving consent to do so by me.! 

american credit accept XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am an XXXX  XXXX, and my money is deposited in PayPal. Only a few refunds have occurred to my money, which is a normal transaction behavior. However, PayPal has taken all my money away, which makes my life very difficult XX/XX/2019 PayPal - negative {$7400.00} XX/XX/XXXX Transfer P PayPal - negative {$7400.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$7400.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$7400.00} Transaction ID XXXX XXXX  info PayPal Note {$7400.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Product: Debt collection

I recently received a copy of my XXXX, XXXX, and Transunion credit report, and I noticed some Inaccurate account posted on my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT XXXX5 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting

I called the agency to follow up with my dispute, I was supposed to be transferred to an agent instead I was hung up on after being on hold for 10 minutes. I than called back and tried to resolve my issue the service agent said he could n't do anything they looked at the bill from the supposed place I received services. I said I disputed this with the other XXXX agencies and had no problems having it removed, because this never happened I did n't even live in the State at the time. I asked to speak to a manager. I spoke with a XXXX XXXX, he stated the same thing, he then called me a liar! I asked how I can prove this information and what he needed from me as I would be happy to send in what he needed. he stated that is for you to figure out, I said XXXX you are the agency what do you need from me. he said nothing, because we already have what we need. I said, but it is wrong and the other XXXX agencies know it 's wrong and this is affecting my credit. He then said here is an email address with no other information or what I needed to send in. He also threatened me by saying he is going to get the right information to the other XXXX agencies as I am a liar. I said sir these phone calls are recorded and he said he did n't care. They refuse to look into this as all they have is some supposed bill from the doctor 's office two years after supposed services took place at an address I had n't even lived at, at the time services were supposedly rendered. I spoke to the lady at the doctors office who admitted they never once called me about a bill nor did they mail me XXXX. EVER. I had a physical with them in 2010, I had insurance and paid a {$25.00} copay during the time of the visit. This bill was filed two years later and the amount is {$340.00}, I was not even living in the State at the time. Please, look into this matter. I am filing a formal complaint for the way I was treated by management as well. I am upstanding citizen with a good credit score according to XXXX.
Product: Credit card

I am submitting for a fourth time a complaint about an arbitrary reduction of my credit limit on my account from {$3000.00} to {$2100.00}. As a responsible cardholder who has consistently met all payment obligations without any delays or defaults, I find this action unjustified and detrimental to my creditworthiness. The sudden reduction in my credit limit has had a direct and negative impact on my credit utilization ratio, which is a significant factor in determining my credit score. However, this unwarranted decrease in my credit limit has now artificially inflated my utilization ratio, thereby causing a drop in my credit score. This arbitrary decision by Synchrony Financial not only undermines my financial standing but also jeopardizes my ability to secure credit in the future on favorable terms. A strong credit score is essential for obtaining loans, mortgages, and even securing lower interest rates. The reduction in my credit limit, without any valid reason, has unfairly compromised my creditworthiness and financial stability. I request another review of this decision and the reinstatement of my original credit limit of {$3000.00}. Additionally, I seek a clear explanation for this reduction to ensure transparency and to prevent any future occurrences that could further damage my credit profile. As a loyal customer, I expect Synchrony Financial to address this issue promptly and take corrective action to mitigate the harm caused to my credit standing. I will continue to file complaints until this is resolved to my satisfaction.
Product: Student loan

I a writing in regards to an issue I discovered last regarding communication received from Great Lakes, a federal student loan servicer, about my eligibility for the Public Service Loan Forgiveness Program. I have worked for the State of Michigan for over 17 years. After graduating from school in XXXX I contacted my loan servicer to consolidated my loans. In those discussions with the loan servicer we had conversations regarding the PSLF program and eligibility requirements. I ended up consolidating my loans under the assumption that I was under the correct program. 
Several years into repayment ( XXXX ) I reached back out to my servicer to ensure that I was under the correct loan repayment program to qualify for forgiveness under the PSLF program and was assured that I was. Several years later ( XXXX ) I did the same and was assured again that I was in the appropriate program. In XXXX I also completed the paper work necessary to formally certify my employment with the State of Michigan. Subsequent to this paperwork being filed my loan was transferred to XXXX. Last week I received noticed that the repayment plan that I am under is not an eligible repayment plan. I immediately made contact with Great Lakes and they indicated that they would be able to provide me with any assistance regarding their misrepresentations and misstatement of facts and that I should contact the FSAOmbudsman. For 5+ years I have been paying in the wrong repayment program. I trusted the Loan Servicer in providing the appropriate expertise in this area and in relying on this information I have suffered a loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX / {$2100.00} / XX/XX/XXXX This debt is too old to be on my credit report. There are inaccuries in the dates reporting. The date this account was closed was XX/XX/XXXX. But then its also reporting a payment in XXXX which is inaccurate. I did not make any payment to this company after the closing of the account in XXXX. The account should have been off my credit as of XX/XX/XXXX. According to the Fair Credit Reporting Act as well as the statue of limitations
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( XXXX, XXXX and Transunion ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.
Product: Debt collection

I have recently looked at my credit report cause I wanted to apply for loan but there is an open account from XXXX XXXX XXXX XXXX from XXXX of 2018 that I owe {$750.00} but I never opened this account.
Product: Credit card or prepaid card

A person pretending to be me has reported to XXXX, XXXX, and XXXX that my credit cards have been missing/lost and requested new credit cards to be sent to my address. They also submitted a " change of address '' request with the USPS which i never authorized or knew about. They also opened a new credit card/account with XXXX XXXX. I have called XXXX, XXXX, XXXX, and jet blue and had all my cards/accounts closed/replaced. The dates of these events take place between XX/XX/XXXX  and XXXX/XXXX/XXXX. I also filed a police report describing the events on XX/XX/XXXX  with the XXXX XXXX police department in OH.
Product: Debt collection

AllianceOne Recievables reported an alleged debt to the credit bureaus without ever making contact with the alleged debtor. FCRA allows a debtor 30 days to dispute a debt and request validation of the debt. This practice was not followed by AllianceOne prior to reporting to the credit bureaus. Currently I still have not had any communication with AlllianceOne either in writing or verbally in reference to the alleged debt. This act of reporting the debt without making any contact with the alleged debtor is illegal and violates Fair Credit Reporting Act statues
Product: Debt collection

This account placed on my chapter XXXX bankruptcy case # XXXX on XX/XX/XXXX, this bankruptcy was discharged XX/XX/XXXX. The XXXX staff appeared in court and was aware of the bankruptcy during my meeting with the creditors. They were advised by my bankruptcy trustee that the account in question is on the chapter XXXX that I filed in XXXX of XXXX. I also sent an email to the management staff on XX/XX/XXXX making them aware of my bankruptcy. I moved out of the location before XX/XX/XXXX. They placed this closed account into collections XXXX XXXX XXXX IN in XXXX, WA and is affecting my credit with Trans Union. I also submitted a dispute with Trans Union about this discharged account ( still waiting on a response ). I will be filing a complaint with the consumer finance and sending a copy if this complaint to the original creditor ( XXXX XXXX XXXX and the collection agent XXXX XXXX XXXX. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. 
The company has acknowledged this error and has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the account after the companies recognized the inaccuracy of the account. Specifically, regarding the account below : XXXX XXXX XXXX XXXX.
Product: Mortgage

I applied for the NJ HomeSaver program which is funded through The Hardest Hit Fund. Wells Fargo denied my application stating that my loan investors do not participate with the program. What is important is that I was approved for The HomeKeeper program in 2013, which was also funded through The Hardest Hit Fund. So why did my loans investors participate then but not now. I believe Wells Fargo is incorrectly and unjustly denying my NJ HomeSaver application. I have reached out to them multiple times today and no one can give me a straight answer. I feel helpless and that I have no where to turn for representation.