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

on XX/XX/XXXX2022 The credit bureaus stated Account : XXXX  XXXX ( acc # : XXXX ) was properly investigated but how is that possible if the last payment is inaccurate, the date last reported is inaccurate, last payment inaccurate, date closed is inaccurate and times 30/60/90 days late is inaccurate. Payment status is inaccurate. This ground for Removal. 

They also violated my rights under 15 U.S.C 1681 Section 604A Section 2 : The law Clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law Clearly states the credit bureaus have 5 days to notify me from when they receives my disputes. 

They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) : The Law clearly states if the item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Account Name XXXX _ Date open_______XXXX_____________________________ Account Number XXXX Reason for dispute IDENTITY THEFT_________________ Account Amount_XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this is for XXXX XXXX XXXX with XXXX XXXX XXXX from XXXX 2014. this account was charged to XXXX XXXX and should have never been charged to me. it is a closed account, and should not be on my credit report
Product: Student loan

The companies that are involved are XXXX, Nelnet and FederalStudentLoans.gov. I went XXXX XXXX XXXX in XXXX, since the XXXX 's. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There is no way I owe them close to XXXX. I am not a XXXX XXXX XXXX XXXX XXXX or anything at all like that nor does my XXXX  reflect that to warrant such a balance. In XXXX I reached out to XXXX as I was unable to afford the payments and was told that the only way I could apply for assistance was to consolidate my loans, they said they had to put the subsidized loans together and then put the unsubsidized loans together but not to worry it will only be XXXX payment. Now they ( Nelnet and XXXX ) are trying to charge me {$1000.00} dollars per month. I have been begging for them to answer me. How are they coming up that I owe XXXX. My XXXX was 3 years and my XXXX  was 1 year. I was an XXXX XXXX and split my time between XXXX XXXX XXXX XXXX XXXX. I have also been asking how will my payments be calculated with the XXXX plan, Nelnet told me to call XXXX XXXX told me to call Nelnet. Nelnet only puts you on hold just to never come back. XXXX sends you a company generated letter telling to you to contact Nelnet. Nobody wants to help, nobody cares. I feel like I am being taken advantage of and they are just tacking more money on top and then you are forced to pay it and they don't have to address it as long as they don't speak to you and continue to ignore your outreach.
Product: Credit reporting or other personal consumer reports

Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Checking or savings account

Debit due to failed transaction. 

XX/XX/XXXX between XXXX @ XXXX
Product: Debt collection

I purchased a vehicle from XXXX XXXX in XX/XX/XXXX where my car note was XXXX through American Credit Acceptance. In XXXX of XXXX I asked them to pick up the vehicle because I was given a bigger vehicle due to my family size changing so I didn't need another car. They didn't pick up the vehicle until XX/XX/XXXX yet continued to add late fees which is understandable. They then sent me a letter on XX/XX/XXXX telling me that they would sell the vehicle and the money they would get would go towards my balance. They sold the car XX/XX/XXXX. According to them I had an unpaid balance of XXXX and unpaid late fees of XXXX which added up ro XXXX. They sold the car for XXXX which makes my balance XXXX. They charged me XXXX to come get the vehicle, XXXX to prepare the vehicle to be sold, and it allegedly costs them XXXX to sell it. Which totals up to XXXX which then makes my balance XXXX. On XX/XX/XXXX I received a bill for past due amount of XXXX thats due XX/XX/XXXX. They continue to add late fees for a car that they already sold yet they are constantly adding fees. On top of this it's a XXXX balance for this car on my credit with XXXX and experian for the balance of the car which is supposed to be XXXX. They do not have the right to continue to add late fees to a vehicle they already sold. When I call them to dispute they hang up or tell me I need to call back.
Product: Debt collection

THIS COMPLAINT IS ABOUT EQUIFAX CREDIT REPORTING DETERMINE TO KEEP XXXX, XXXX AND XXXX, XXXX XXXX  ON MY CREDIT REPORT AFTER I HAVE ASKED FOR EQUIFAX TO PROVIDE PROOF FROM THE AMOUNT IS IN FACT INCORRECT. I HAVE REASONS TO BELIEVE XXXX, XXXX AND XXXX ARE INVOLVED IN A LAWSUIT NOW REGARDING FASIFYING DOCUMENT WITH THE COURT SYSTEM. XXXX XXXX HAS CONTINUE TO FASIFY INFORMATION TO EQUIFAX THAT THEY WERE NEVER A THIRD PARTY THAT WAS NEVER EXPLAINED IN WRITING THERE WOULD BE CONSEQUENCES IN THE EVENT THE REAIMING BILL WAS NEVER PAID. XXXX XXXX HAS CLOSED THE ACCOUNT WITH NO COLLECTION AGENCY INVOLED, SO WHY IS EQUIFAX CONTINUE TO ACCEPT FALSE INFORMATION FROM THEM?
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card

XX/XX/XXXX - Purchased made at Apple Store with the Goldman Sachs/Apple Master Card . Promotion was for 12 equal installments interest free totaling {$780.00}. I was paying on time and as agreed for this and ALL purchases on this card when I noticed my XX/XX/XXXX statement had terminated this installment plan and made the remaining {$320.00} due immediately or be subject to the normal Apple Mastercard interest rates. The XX/XX/XXXX statement gave no reason or explanation. After trying to explain this on the customer service line, I finally was able to get to a supervisor who began an inquiry. This took about XXXX hour of my time on the phone. That supervisor said please give them until XX/XX/XXXX to investigate. It is now XX/XX/XXXX and no corrective action has been taken or contact made to me. The current status on my account today remains " to avoid interest charges, an additional {$320.00} is due by XX/XX/XXXX ''. I will today be paying the balance to avoid interest charges because Goldman Sachs has failed to meet the obligations set forth in my XX/XX/XXXX purchase installment agreement.
Product: Credit card

Complaint because Bank of America closed all my accounts in the last week of XX/XX/XXXX. 
In parentheses, you will see the names of the reference files. 
I received mail from Bank of America around XX/XX/XXXX asking me to call them before XX/XX/XXXX, to avoid restrictions on my accounts ( BOA letter XXXX ). 
On XX/XX/XXXX, I called the number in the letter. The agent asks me to provide the name and address of my employer. I gave her XXXX XXXX XXXX and my home address. Im the founder of this non-profit registered in Massachusetts since XX/XX/XXXX ( XXXX XXXX XXXX XXXX ). 
The agent said, You are all set. Thank you for updating this information ( Proof of call to BOA on XX/XX/XXXX ). 
On XX/XX/XXXX, I got emails from Bank of America about deletion of XXXX and XXXX because my accounts have been closed ( Proof of closed accounts XXXX to XXXX ). 
I called the same number on the mail I received before. The agent said to me that my account is not closed. They were a restriction, and the credit cards were closed. She said that my checking and savings accounts were back opened. 
I keep receiving emails about payments being declined. 
On XX/XX/XXXX, I called Bank of America to reactivate my credit cards, but the agent gave me an email to right to XXXX ( Proof of email to BOA on XX/XX/XXXX ). The email went back undelivered. 
On XX/XX/XXXX, I called Bank of America at the phone number on the mail I received before. The agent said that my accounts have been closed because my case didnt get the proper follow-up at the first time. They were able to open back my checking and savings, but I have to call customer service to ask for new debit cards because they were closed as well. Unfortunately, they are not able to reopen the credit card because once it is closed, they cant reverse it. She apologized for the inconvenience. 
I said that I wont support the consequences of Bank of America mistakes, and I want to file a complaint. She said that she will escalate my case by writing notes, and I will get an email with a link to report my complaint. I never got this email with this link. 
She transferred me over to customer service on the same XX/XX/XXXX. After a long wait, I got an agent to reissue my new debit card ( Proof of debit card requests XXXX and XXXX ). 
I need legal services, a lawyer to have Bank of America to : -not blame me for their own mistake -give me back my credit cards. 
-not ask me to pay the full balances on the cards because they closed them. 
-not send my case to debt collection -not hurt my credit score by the credit cards closings. 
I called back Bank of America on XX/XX/XXXX, way before the deadline on their mail, which is XX/XX/XXXX, but they closed all my accounts on XX/XX/XXXX. 
Its unfair to me. 
I have been a Bank of America customer since XXXX. 
I cant pay for Bank of America mistakes.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for the reported transactions.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX XXXX account was opened by XXXX and shall XXXX from my XXXX XXXX  by XXXX. Account number XXXX with a balance of XXXX is inaccurate and I request the company to provide me with the proof of XXXX to see how this account was opened without my knowledge. 
Delete this XXXX XXXX  account from my XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Student loan

All complaints are in regards to Navient. 
- Navient does n't process my payments correctly, resulting ( only sometimes ) in late fees. But always in annoying XXXX wake up calls from their automated system. The payments are made the same way every month, automatically. There 's no reason some payments are n't processed. 
- Occasionally, XXXX ( the platform I use to pay my bills ) will be triggered by Navient to prompt me into entering a specific address to send my particular payment to, in order for it to process correctly. There is a list of XXXX some odd addresses to choose from, and all of them are similar. ( Eg : XXXX XXXX XXXX XXXX XXXX, XXXX MA / XXXX XXXX XXXX XXXX XXXX, XXXX, MA / XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA / ETC ) This is deliberately deceptive, and clearly done in an attempt to mislead people from being able to make their montly loan payment properly. Additionally, the " correct '' address is only available if you have a physical Navient bill in hand. That information is not available on the website. 

- At some point my loans were consolidated and split again. As such I make two payments to Navient each month. XXXX loan is only for a few hundred dollars, on which they charge me a {$12.00} " convenience fee '' to pay them at all. So the charge to pay down a {$900.00} loan in their system involves paying a recurring {$12.00} fee each month for no reason. A fee I also pay when I make my other loan payment. 

That seem right to you?
Product: Credit card

I would like these accounts deleted off my credit reports and closed once and for all. I did not open them. I have filed a police report, that is all I have to do under FCRA and FCDPA fraud law. Per that law you have 15 days to delete this off my reports after receiving a police report documentation. If not I am entitled to {$1000.00} per fraudulent entry you continue to allow to report after that day knowing you had a valid police report. This is not a request for investigation. This is a request for deletion and to case all collection activity as per the law under FCDPA and FCRA. This information must be deleted from my report or I will have to see you in court for those damages above.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bill was due on XX/XX/XXXX. I paid my bill on XX/XX/XXXX. I understand I did pay my bill late, however, since there are only 28 days in XXXX I was not 30+ days late by paying on XX/XX/XXXX. This did not stop XXXX XXXX from tagging my credit bureau with a 30 day late derogatory mark though. When I called to try to resolve the issue with them the woman was very rude to me and told me there was nothing they could do. They obviously do not care about people as they claim. This has dropped my score XXXX points from a XXXX to a XXXX. This is the only derogatory mark on my entire credit history and it won't go away for 7 years! I now can't finance a XXXX that I need to have. They also tag on a ton of extra " fees '' to your payment. My XXXX bill was XXXX higher just due to these unknown fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureaus Inc. continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that The Bureaus Inc. reported this entry XX/XX/2017 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. 

The payment history reported on this account lacks veracity. They report no payment history on XXXX  and XXXX  ; however, they report payment history on XXXX. I never entered into an agreement with this company, yet they are reporting a negative payment each month? Additionally, this collection account reflects terms. There are no terms on collection accounts. This is a violation of consumer law. 

Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by The Bureaus Inc.

To that end, I sent a letter to The Bureaus Inc. ( See attached letter ). This letter has been sent to both addresses reflected on my multiple reports, including XXXX XXXX  XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. To date, this company has not provided any documentation bearing my signature or proving the of the validity of every entry they are continuing to report. This company has had months to respond to me with the anything that verifies this account indeed belongs to me ; yet they have not. 

Consumer law provides that the creditor/company is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that The Bureaus Inc. has no intent to honor nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation, with signatures, to substantiate the alleged debt, this entry must be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries that appear on my credit report as a result of identity theft. These inquiries were made without my knowledge or consent and are causing significant harm to my credit profile. In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), I request an immediate reinvestigation into the following unauthorized inquiries and their removal from my credit report : XXXX XXXX XXXX XXXX Inquiry : XX/XX/2024 XXXX XXXX XXXX XXXX :XX/XX/2024 XXXX XXXX XXXX Inquiry :XX/XX/2024 XXXX  XXXX Inquiry :XX/XX/2024 XXXX XXXX Inquiry :XX/XX/2024XXXX XXXX XXXX Inquiry : XX/XX/2024XXXX XXXX XXXX Inquiry XX/XX/2024 XXXX XXXX Inquiry : XX/XX/2024
Product: Debt collection

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I checked the Equifax website to find out if I was impacted by their major security breach. I received a message that my information may have been compromised. I now need to freeze my credit reports, place fraud alerts on my accounts, submit claims, and hope that my identity is n't stolen and my hard earned credit score and money are not compromised further. 

Although Equifax is also a victim of this hack, it was their responsibility to protect our information. Furthermore, the companies failure to alert anyone about this breech for over a month, as well as their executives actions in selling stock prior to notifying the public is unacceptable and deeply disturbing.
Product: Credit reporting or other personal consumer reports

In the 2nd to third quarter of XXXX I contacted the CFPB because transunion is reporting inconsistent information regarding XXXX XXXX  on my credit report which are violating my rights of the FCRA the It says the account was closed on XX/XX/XXXX, however, in XXXX I contacted CFPB and asked XXXX XXXX  to show me the original contract validating that this is my debt and I never received that contract nor did I ever receive any proof of how this debt is mine which is madatory to be shown after a investigation has taken place and being that its been more than 30 days. They clearly violating 15 USC under the FCRA laws also knowingly reporting inaccuracies that have been proven to befaulty is extremely illegal and damaging to my credit i need this account removed immediately
Product: Credit reporting or other personal consumer reports

ALLY REFUSED TO SEND THE 1099 C FROM AFTER CHARGE OFF THIS ACCOUNT. 
IT SHOWS ON THE CREDIT REPORT THAT XXXX XXXX NEVER RECEIVED THE 1099 FORM OR CANCELLATION OF DEBT FORM. THIS IS INACCURATE AND HAS TO BE REMOVED FROM THE CREDIT REPORT AND THE LEAN ON THE CAR.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX