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

As a consumer I actually have protection under the law that is delivered for me to keep me from misinformation simply being declared on my credit report. At this moment I would like to have a final request for analysis before I talk with my own legal counsel to get information on how to handle incorrect and also unverifiable items that are on-going to be approved as real. Please investigate and consider the following accounts : XXXX XXXX Balance Owed : {$0.00} This account has been paid and the balance is XXXX and yet you are still reporting this account as late which is a clear violation of the Fair Credit Reporting Act. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. I need you to please remove the late payments from this accounts payment history or completely remove the disputed account as soon as possible. 
XXXXXXXX XXXX XXXX Balance Owed : {$1500.00} I have been trying to dispute this account have the payment history corrected and yet you have done nothing. I was never late in paying for this account and the presented late payments in the accounts payment history is erroneous. Please correct the payment history by removing the reported late payments as soon as possible. 
XXXX  XXXX XXXX Balance Owed : {$1000.00} This account was not and never late to begin with. You are reporting an incorrect and misleading information on my Credit File and I have been trying to request to you to correct the payment history. I am requesting that you remove the reported late payments on this account and report accurate information only. Under the FCRA Credit Reporting must be accurate.
Product: Debt collection

This is my XXXX complaint about Aidvantage. I will not continue to send information to a company that has violated my rights by receiving my information without my consent. Moreover, this same company said in a previous dispute that if this is a result of identity theft, file a report with the FTC. That has been done. Now, theyre saying to call their theft department. I will not keep jumping through hoops. It is my information that is being misused. I have done my due diligence by reporting this to the FTC, the attorney general, and the credit bureaus. In addition, the last CFPB complaint was sent to the department of education. The Department of Education responded and said they are not the appropriate company to address the issue. 

If the loan originated from The Department of Education and they are unable to address the issue of identity theft and sending my personal information to Aidvantage without my consent, the loans need to be removed from my credit report immediately and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2012 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$92.00}
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!!!
Product: Debt collection

I received a bill from XXXX XXXX XXXX dated XX/XX/2019to which my daughter called my attention. We had never seen this account, so I checked my credit and learned that this debt was for a XXXX credit card with Citibank. A couple of years ago I received a fraudulent call from someone claiming to call from Citibank for a XXXX credit card asking me for personal information and I told them I would never open a card to a retailer, especially not XXXX, and I told her that they were not to call me again because they were committing fraud. 

Since I started having a series of XXXX XXXX including XXXX, XXXX XXXX XXXX, XXXX and XXXX and XXXX XXXX XXXX, the last thing I expected to deal with was identity fraud. 

I have sent the collection agency a letter using your template and I am going to send it, again, this time through certified and registered mail just to make sure it is handled appropriately and not ignored. I need help defending myself against this fraudulent debt. I want them to cancel this and stop collection and I want to prevent any more identity theft moving forward. I also want this removed from my credit and to prevent it from causing any more damage to my family and to myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX Transunion & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies. 

COVID-19 should not be a valid excuse for this!
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. CXXXXe XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. CXXXX XXXXXXXXb - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX days before the payment due date.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a certified letter/return requested was sent to XXXX concerning XXXX payments by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, under 15 U.S C. 1681i ( b ) and 15U.S. Code 1681I ( 5 ) concerning the account in violation not reporting 100 % accurate. 
XXXX failed to do a proper investigation into both times when the letters were sent concerning this matter, and didn't respond within the 30 days allowed by the FCRA rules. 
" once notified by a CRA of a consumer dispute, the furnisher of the disputed information must do it's own reasonable investigation. A reasonable investigation under FCRA & 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. 
This item was never investigated within a timely matter, nor was anything sent to me to show what and how they investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that someone in the Federal Government is providing inaccurate information on my reports. I have three credit cards that I pay on monthly, yet NONE of these accounts are being reported. 
There is a negative report that should have been removed long ago, yet it is still being reported. 
Whenever I try to access my report and initiate a dispute, the web page tells me that the site is experiencing technical errors. 

I feel there is suspicious activity on the reports, and it is very strange that inaccurate information continues to be reported. 

I need help, please, to correct the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has stated that previous modification was approved and that I did not accept the modification? Wells Fargo 's " modification '' was not a bonified modification, but rather another attempt to trap me into retaining the same toxic loan terms that put me in trouble in the first place. Wells Fargo did not thoroughly and methodically review my financial health as was required by judgement to do so. Had Wells Fargo reviewed my case and others fairly XXXX XXXX, DA for Florida at the time, would not have had to formally complain about the unfair reviews when assessing pick-A-payment victims for their just deserved " Assistant Modification. '' Instead of helping me retain my home under new and affordable payment terms Wells Fargo offered the same toxic loan options as before and mandated that I pony-up a considerable about of upfront cash that I simply did not have.. Customers baited into Pick-A-Payment loans were offered loan relief solely based on Wells Fargo 's unfair and discriminating loan evaluations. I contest the evaluation performed on my financial state at the time and will except nothing less than a thorough re-review of my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried reaching out to this bureau several times about accounts that are reporting on my credit that are not mines. this info is fraud and i ant it investigated and removed from my credit report!!!
Product: Mortgage

On XX/XX/2023, I requested a detailed description and/or detailed statement, including outlining the amounts for each adjustment listed in the quote. These descriptions and amounts as they are currently listed are vague. Also, I would like to know why such an exorbitant amount is being applied to total late charges? Because I paid for all the above, please also provide a copy of the Title/Appraisal as listed in the quote. 

I sent a letter to Flagstar via certified mail which was received by them XX/XX/2023.
Product: Credit card or prepaid card

I made a payment on XX/XX/XXXX. Payment is still outstanding in my credit card. I called and they stated there is a hold until XX/XX/XXXX. I have proof that the payment cleared my account in XX/XX/XXXX. When asked all they said is that it part of your terms and conditions.
Product: Debt collection

National Credit Systems attached a collections of {$91.00} on my credit. The debt is from XXXX XXXX XXXX. I've never lived at XXXX XXXX XXXX. I've spoken with National Credit Systems, and it didn't resolve anything. I've filed with XXXX and they've removed the collections from my credit. I called XXXX and filed a dispute on XX/XX/2020 at XXXX, and the only thing XXXX did was send me a credit report, but didn't send results of my dispute. XXXX XXXX website doesn't even show my dispute. Meanwhile, XXXX  said I owed the debt, but didn't offer me any evidence. I don't even believe they investigated the dispute like they claimed. My credit information has all the places I've lived, and XXXX XXXX is not one of them. XXXX  and XXXX  is allowing my credit to be tampered with.
Product: Debt collection

I received a call on XX/XX/XXXX at XXXX XXXX from Patient Accounts Bureau regarding a bill from XXXX XXXX XXXX XXXX for the amount of {$150.00} The representative I spoke with hung up the phone in my face after I asked how could I help her. I called back and spoke with an XXXX, who was also very rude as I informed her that I did not owe the debt. Her response was why did I call back. ( This was on a recorded call ). I then called my insurance company ( XXXX ) and informed them of the phone call I had received from Patient Accounts Bureau. The representative from the insurance company asked for the number of the collection agency to which I received a call and called them at the number provided ( XXXX ). The representative from XXXX called while I was on the phone and advised the representative to cease all calls and communication as the bill was a provider write-off. The call was ended and and several days later I received letter in the mail stated that I owed the debt for the bill. I called Patient Accounts Bureau on XX/XX/XXXX and spoke with representative XXXX who informed me that {$150.00} was still owed. I asked her to read the notes, to which she stated that she was not aware of any notes on the account. I then ask to speak with a supervisor, to which I then spoke with Mr. XXXX. The call was disconnected I then called back and spoke with XXXX who advised that MrXXXX XXXX would return my call and needed a good contact number. I asked Ms. XXXX to send me a letter stating that I did not owe the debt, to which she stated " a letter ''.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I have for the past 6 months reached out to experian, XXXX, and XXXX in hopes of fixing my credit submitting all information required such as identification, dispute items, with account # XXXX and still to this date I have had no traction in my disputes. Experian for the past 3 months have been sending me my results for the disputed accounts pending, then saying its completed with an empty report # saying I have to pay {$20.00} for the results and then saying it can not be found. The debt I am disputing is still unverifiable nothing has been sent to me and I am just trying to get an apartment in which I can not have my credit fixed for the life of me. As these reporting agencies are just taking advantage and violating FCRA laws in which they just are not responding especially Experian, XXXX and XXXX.
Product: Credit card or prepaid card

While shopping for new appliances on XX/XX/XXXX at sears.com I was offered 10 % or up to 18 months interest free if I applied for and used a Sears store card. I used the provided apply and use now " button ''. I completed the application process and was given a credit line of XXXX by Citi bank After doing so it asked me for the full account number, expiration and security code. None of witch were provided to me. I attempted to log into the credit card site it wanted the full account info, expiration and security code to proceed. 

I called Citi bank. They told me I would have to wait for the physical card to make a online purchase. I explained to them that I was offered a discount and applied to use the card now. They informed me that I had to wait for the physical card. I could use the account only in stores by having the cashier look up my account with my social security number. I asked to speak to a manager and was placed on hold and after 10 min was either hung up on or got disconnected. 

I called back and was told by this person that Sears online would have to deal with this and was transferred over to them..The person I talked to immediately transferred me back to Citi bank. I explained the situation to this poor rep and asked to be transferred back to Sears online customer  service and was hung up on or disconnected. 

I then called Sears Online and explained the situation to the rep and asked for a supervisor. The reason I gave was that I was offered 10 % or no interest for applying and using a Sears card. That I had been informed that I would not be able to use the account without the physical card. I wanted to know if I purchased the items would they be willing to give me a 10 % discount or would they be able to reverse the transaction and put it on the account when I did get the card. I was asked to hold, after 20 min I got a automated message in Spanish ( which I don't speak ) and hung up on. 

I then called Citi bank again I told the rep that I wanted the account closed and it reported that it was opened under fraudulent circumstances. I explained to the rep that I was offed a substantial financial incentive to open the account. A incentive that was not honored. The rep stated that I willingly opened the account so it was not fraudulent and that it was not Citi bank 's responsibility that the terms were not honored. They then closed the account, told me to have a nice day and hung up. 

All this took 4 hours of my day. I did order my items off Sears.com with  my debit card. 
Citi bank now has my complete info with wages etc.and I took a hit to my credit score. No parties feel obligated to honor the original promotion that started this mess.
Product: Credit reporting or other personal consumer reports

I've spotted some errors on my credit report, specifically regarding unauthorized inquiries under 15 USC 16c-2. These inaccuracies are impacting my credit negatively, and I ask for all hard inquiries to be removed. Thank you!
Product: Debt collection

I'm disappointed with the dismissal of my identity theft claim, citing an error or misrepresentation. This raises concerns about your authority to determine material facts. It's crucial to note that your role doesn't grant judge or jury powers. Following FTC guidelines, an identity theft report with a law enforcement agency ( FTC itself ) warrants a thorough investigation.XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I'm offering XXXX final chance for you to address my request. Failing to do so leaves me no option but legal action.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Student Loans- 15 USC 1681s-2 Attn : Experian Credit Team I am writing to dispute the presence of student loans on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681s-2, I request that you delete the student loans from my credit report. 

Upon reviewing my credit report, I noticed that student loans are being reported. However, these loans do not belong to me, and their presence on my credit report is inaccurate and damaging to my creditworthiness. 

As mandated by the FCRA, credit reporting agencies are required to maintain accurate and up-to-date information in consumer credit reports. Therefore, I request that you promptly delete the student loans from my credit report to ensure its accuracy. 
I understand that resolving this matter may require an investigation. However, I urge you to take immediate action to correct this error and prevent any further negative impact on my credit profile.

Please provide me with written confirmation once the student loans have been deleted from my credit report, as well as any additional steps taken to rectify this matter. 
Thank you for your prompt attention to this issue. I appreciate your cooperation in resolving this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal loan account has never been late, and paid on time each month using autopay through my bank account. Creditor continues to say that my account is past due, and that I have late fees. This has hurt my credit rating immensely. Creditor and credit reporting agencies keep updating delinquent information as being correct when it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$400.00} XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXXXXXX {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has violated my rights again. Equifax is reporting all missed payments across all supposed accounts as double late payments : for example. if there is a 30 day late payment, they report it as 60 if it's 60 they report 90. why is that. this is the case for my closed student loan accounts XXXX XXXX and so on. I can provide credit reports from XXXX and XXXX  if need be
Product: Debt collection

I was given credit for dental work by Care Credit and and saw a dentist for XXXX in 2013. Care Credit never once sent me a bill for the amount owed ever, no way was offered to pay the bill, then after twelve months they closed my account as a right off and sent it and a collection agency. They also reported me as delinquent to credit bureaus yet never once sent me a bill to pay or statement that my account was past due. I allege violations of law and bad faith on part of Care Credit. I want to delinquency to my credit reversed because I was never sent a single bill or even past due notice before my account was closed and sent to a collection agency. I also ask that Care Credit be held accountable. 

Care Credit engaged in deceptive practices and acted in bad faith by never sending me a bill and failing to notify me my account was delinquent or being sent off for collections.
Product: Debt collection

I have contacted commonwealth on multiple times and requested information is forwarded and only told to contact the XXXX XXXX XX/XX/2022 XX/XX/2022