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

I have been disputing some items on my credit report consistently for almost a year now and I haven't received any results or response throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Product: Debt collection

I had to paid XXXX XXXX XXXX and open a new account I had a {$57.00} balance on my account with XXXX XXXX XXXX ; I had XXXX XXXX XXXX for about two years ago. I had stopped the service for a while and then started back up, but they said I needed to pay the {$57.00}. I paid it directly to XXXX XXXX XXXX, but I was still getting notices from I.C. System Inc. saying that I owed this amount. This information was removed from XXXX, but not from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Car loan was opened in XX/XX/2011, Credit acceptance has lawsuit settlement and did not resolve the issues with my account. I feel as though they were using bad practices i was set up to fail. I am also complaining about the accuracy of the account the close account, currently reporting to my credit report. 
high Balance reporting different balances Last reported date - is reporting different balances owed XXXX did not dispute my complaint at all also the 7yr statue of limitation is up on this account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago I spoke with a representative of XXXX XXXX XXXX. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.
Product: Credit card

I am writing to address a serious concern regarding my Bank of America card. Recently, my card was stolen, and I promptly reported this issue to your customer service department. Despite my efforts to inform you about the stolen card, I have not received any communication from their end regarding the status of my claim. 

To add to my frustration, I have been charged back for the fraudulent transactions on my card. This situation is particularly troubling as I have not been contacted by anyone at Bank of America to discuss or resolve this matter since it first occurred. 

I kindly request immediate assistance to rectify this situation. Please provide me with an update on the status of my claim and any steps that need to be taken to resolve the charges. I would also appreciate it if you could investigate why I have not been contacted regarding this issue. 

Your prompt attention to this matter would be greatly appreciated. I look forward to your response and a swift resolution.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report regarding the XXXX  account ( XXXX ), as reflected in the attached screenshot. While the Payment Status is marked as Current across all bureaus, the 7-Year Payment History contains erroneous entries showing late payments of 30 and 60 days. These inaccuracies require immediate correction, as the payments were made on time. Given the discrepancies between the payment history and the payment status, it is evident that the reported late payments are incorrect and must be rectified to reflect a consistent Current status. This inconsistency raises significant concerns about the reliability of the data.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/2024 Subject : Request for Removal of Closed Accounts from Credit Report Social Security Number : XXXX Date of XXXX Dear Sir/Madam, I am writing to formally request the removal of closed accounts from my credit report. The Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate or outdated information on my credit report. Upon reviewing my credit report, I have identified several closed accounts that I believe are being reported incorrectly or are no longer relevant. 


Inaccurate Reporting : The information related to this closed account is inaccurate and does not reflect my current credit status. The FCRA requires that only accurate and relevant information be reported. 

Outdated Information : This account has been closed for a significant period, and the continued reporting of this account negatively impacts my credit score. According to the FCRA, outdated or irrelevant accounts should be removed from my credit report. 

Action Requested : I kindly request that the closed accounts listed above be removed from my credit report across all major credit bureausTransUnion, XXXX, and XXXX. If this information can not be verified or corrected within 30 days, I request that it be permanently deleted from my credit file in accordance with the FCRA. 

Please provide me with a written confirmation once the investigation is complete and the requested changes have been made. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX Last 4 Digits of SSN : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S. Code 1681i which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides me the consumer with the necessary proof of Investigaton I want reported accounts removed. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This COMPLIANT is a request to investigate the accounts listed below in my credit file. Credit bureau NOT DOING YOUR JOB to investigate and remove these accounts in my credit file. Until now they are reporting in my file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditors have violated my rights under 15usc1681 section 602 stateside have the right to privacy 15usc 1681. Section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions .under 15uscs 1666b a creditor may not treat a Payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

on XX/XX/19 this company charged me twice for my due bill and then told me to take it up with my bank if I didnt like it. 

They do nothing but give constant issues. They also refuse to close my account.
Product: Credit reporting or other personal consumer reports

I requested my credit report from Experian and they never contacted me nor sent my credit report. after a couple of weeks I am unable to access my account and they haven't gave me a reason way. the message that stated up on log in is unknown error. we encounter an unspecified error connecting to experian.com. Please try again. When trying again it does not work. and I am afraid that company is missing using my personal information and mishandling it as well. can we please do something about is because I am afraid that they might use my information for something illegal and I need answer on way I can not access my person account.
Product: Credit card

Back in XXXX I went to collections for a minimal fee at Curacao. I think it was for a dollar. It's been paid and when I get my credit report the report says that it's been " closed by credit guarantor. '' It also shows pay status as " PAID IN FULL '' however, it's still popping up on my credit report. In my most recent viewing of my credit report Curacao still shows up and now it shows that my account was reupdated XX/XX/XXXX. Per my credit report, this account is open and active. I have gone to the store numerous times in the pass and they have said this account is closed. 

It is my belief this company is reopening people 's accounts without permission. My credit history is being damage because of this.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have disputed these accounts multiple times with all 3 credit bureaus yet they come back verified as accurate. How are they accurate if all XXXX are reporting different dates last active, payment history, account status, and more? XXXX XXXX reports an account as last active on XX/XX/year> but has the date opened on XX/XX/year>. How? I do not have an account with these companies nor do I have any agreements written or verbal with them. No one can validate the debt or provide me with contracts.
Product: Mortgage

Hello I 'm concerned Father, To start out on XX/XX/XXXX our XXXX year old son was diagnosed with XXXX XXXX, my wife has been off work since that day to be by his side and take care of him and get him back and forth to his appointments while I have been taking care of his XXXX brothers, and try to continue to work in XX/XX/XXXX my work went down to four days which put that much more stress on us.Around XX/XX/XXXX my wife met with a social worker at XXXX XXXX 's hospital and she was able to help us with a couple of bills through a foundation they have for families with kids that have XXXX. She got the papers summited to the XXXX XXXX the following week. I was having the check from the XXXX XXXX sent to Penny Mac where my house is financed and I emailed them on XX/XX/XXXX and told them the situation and how I wanted the money to be applied to my mortgage payment.The check from XXXX XXXX 's hospital was for XXXX and I wanted all of XX/XX/XXXX payment made which was XXXX and the other XXXX applied to XX/XX/XXXX payment and I would send the other part of XX/XX/XXXX maybe by then work would be picked back up. Penny Mac emailed me back on XX/XX/XXXX telling me they would do as I requested, I emailed them again on  XX/XX/XXXX and ask if they had received the check they emailed me back on XX/XX/XXXX and said they have n't received it emailed them again on XX/XX/XXXX and they returned my email on XX/XX/XXXX that they still have n't received the check I emailed them again on XX/XX/XXXX and still they are telling me there is no check on XX/XX/XXXX they emailed me and told me a payment was made but they held it out of my checking account there was still no check. I emailed social worker at XXXX XXXX 's hospital and she got in touch with the XXXX XXXX and they was showing that Penny Mac had cashed the check from XXXX XXXX 's hospital on XX/XX/XXXX but I 'm still told they have n't received it. I was trying to do the right thing and make sure my house payment got paid and we did n't get behind or lose our home but Penny Mac still withdrew my payment from my checking when I really did n't have enough in there for them to do that and still have enough to live on. I am still wanting to know where the XXXX check is and want it applied to XX/XX/XXXX payment and part of XX/XX/XXXX please help my family out with this. I will try to send the copies of the emails and check
Product: Credit reporting or other personal consumer reports

On XXXX I reported the issues of them reporting inaccurate information. My bankruptcy is the only negative items that should be showing on my credit report. However, they're showing more than that. None of those other negative accounts should be on their, as the bankruptcy wiped out all the items on my credit report other than XXXX XXXXXXXX XXXX, and one XXXX loan. All other XXXX loans was wiped out due to the bankruptcy. All things need to be taken off of my credit report immediately, as the only 3 things supposed to be showing on their, is the XXXX XXXX Bankruptcy, XXXX XXXX XXXXXXXX and the one XXXX loan that's a little over XXXX nothing else should be on their. The bankruptcy wiped everything else off of my credit. This needs done now. This is the last time I'm saying this needs, corrected before legal proceedings are done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a auto loan with capital one that has 10 inaccurate payments. These items are inaccurate because for one, the balances are reporting different across all three credit bureaus and the months they claim i was late are different across all three bureaus. Also according to THE LAW USC 1666 its against the law for creditors to have billing errors on consumer reports. I WAS NEVER LATE ON MY PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Out of my 11 student loans, 3 are XXXX. First, when I applied for student loans at XXXX, they told me that the ffelp loan was the only federal loans Available for me when in reality there were direct student loans from the government that I find out about XXXX years later. 
XXXX XXXX, Navient, and XXXX took advantage of me. Have me misleading information. Steered me into options which were not in my best interest. 
Finally they did not honor terms like Covering the interest on federal subsidized loan when I was a full time student. Ive never had a late payment of my loan in my entire life. 


They manipulate me onto the loan. 

Second, over there years Ive tried to get the loans consolidated under the government program but they told me the only consolidation loans I qualified for were not eligible for the government loan forgiveness after 25 years of payments. In reality that was a lie. 

Third, they told me my only options when I was unemployed and still enrolled in college seeking my degree full time, was to defer my loans. It was many years before I found out about the {$0.00} payment. Thus I should be 14 years into a payment plan that would have been forgiven in 10 years. My loans could have been forgiven but because they steered me into putting my loans into forbearance instead of what was in my best interest Fourth, the XXXX entities did not properly counsel me when. Is was a naive teenager. Now I owe {$85.00} XXXX in debt when my original loans were approximately {$35.00} XXXX. 

XXXX, XXXX out of my 11 loans serviced by navient were incorrectly reported as XXXX days late and XXXX mo th unpaid for XXXX, XXXX, and XXXX, XX/XX/2021 when they In a forbearance due to COVID. Plus I had already applied to Renew my income based repayment plan.they confirmed over the phone all of my account Would be in forbearance until my repayment plan was reviewed and renewed. 

I found out about this by a sudden drop of my credit score for XXXX to XXXX. 

After many attempts to solve this with Navient and XXXX disputes with the credit bureaus, Ive managed to get some of the incorrect data off, but XXXX, XXXX, and XXXX still show incorrect. XXXX now shows current but on all three credit reports, they refuse to take the note of XXXX XXXX XXXX days late. It doesnt make sense logically, How can it be be XXXX - XXXX days late if they are reporting only 3 months behind. 

Honestly I think they need to forgive at least these XXXX loans because if Navient were honest, I would have qualified for them to be forgiven by now. They definitely need to report XXXX, XXXX, XXXX correct and no days late. I was tripple covered by the automatic Covid forbearance. I had requested a covid forbearance first. Then later, but before XX/XX/2021, I called Navient to asked to renew my repayment plans and they gave me a verbal forbearance while my application was reviewed and awaiting renewal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit reporting. No evidence have been shown. Incorrect information
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, My husband and I financed a vehicle through XXXX XXXX XXXX. During the loan XXXX XXXX Now illegally activated a remote disable device on my vehicle preventing medical transportation, and violating state pandemic protections. Governor of Illinois executive order number 14 to be more precise. 

In XX/XX/XXXX, my husband and I fell ill with XXXX. Unable to properly access healthcare, because of issues with transportation his XXXX unfortunately relapsed and he now requires permanent XXXX and XXXX which he will have to be on for the rest of his life. 

We notified XXXX Now of our hardship due to the pandemic and the financial burden it had caused. We voluntarily surrendered the vehicle on XX/XX/XXXX, as instructed. However XXXX XXXX Now unlawfully garnished my husbands wages without notice or a valid court order. Then a month later they returned a portion of what they had his job garnish. To this day we're still confused as to how they came up with the amount question why the amount and why the return of a portion of it. We asked them in our certified letter to explain this as well. Before sending the certified letter XXXX XXXX Now, My husband made a call to the XXXX Now office to request information on the amounts stated on our credit files. We wanted to know if the vehicle was sold because if so, we werent given credit for it, as well as questions regarding the wage garnishments. The woman he was speaking with in the finance office, literally laughed when my husband was trying to explain his illness. This is very discerning. She referred to him as not being truthful about his XXXX and the XXXX issues we experienced. Not only have they violated so many laws and regulations but to laugh at someone being seriously ill is beyond comprehension as well as professionalism. 

We disputed this improper debt collection and requested validation, which XXXX Now failed to provide, violating the FDCPA. The invalid repossession also continues damaging both of our credit unlawfully. 

XXXX Nows willful disregard of the FDCPA, state debt collection laws, wage garnishment laws, and pandemic protections have unjustly harmed us. I request an investigation and enforcement action against XXXX Now for : - Illegally disabling my vehicle during state pandemic restrictions- Unlawful wage garnishment without notice or court order - Failure to validate disputed debt as required by federal law - Inaccurate credit reporting and wrongful repossession notation, collections - Lack of response to consumer complaints and violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, 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 a credit card account under + open end consumer credit plan as late for any purpose.

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