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

these items, and that the inaccurate items be deleted from my record. 
These accounts are showing on XXXX ; XXXX and Experian Item Number Company Name Account Number Comments 1. XXXX  XXXX XXXX XXXX XXXX 2. XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX Charge Off 5. XXXX XXXX XXXX XXXX Charge Off 6. XXXX  XXXX XXXX  XXXX Charge Off 7. XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. EVERYTHING THAT I AM TRYING TO ACCOMPLISH IS NOW AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Product: Credit card or prepaid card

I was charged {$50.00} for XXXX XXXX XXXX XXXX  that I never used ( posted XX/XX/23 ). After not being able to resolve it with XXXX XXXX XXXX, I disputed the transaction with Barclaycard ( on or around XX/XX/23. They soon after sent me a letter stating that my dispute was not approved because " We were not provided with the true nature of the dispute when first notified of the claim. '' This is untrue -- all the information I gave was factual. I contacted Barclaycard again and the agent recommended I mail in a letter explaining all the details. I did so, and received the same letter stating my dispute could not be resolved ( XX/XX/23 ). 

I should not have to pay for services that 1. I did not use and 2. was recommended to me by XXXX XXXX XXXX by mistake.
Product: Credit reporting or other personal consumer reports

I paid off my XXXX credit card account XXXX months ago. Experian continues to report this account with a full balance of over {$1600.00}. I have disputed this information XXXX with Experian and they continue to leave the report as is. I am not understanding why Experian can not report accurate information. Again, this account was paid off XXXX months ago : there is no reason why Experian can not update the account information on my credit report. I am trying to obtain a home loan, and Experian is preventing me from doing that. What will it take for Experian to update this report and provide accurate information. This is my second incident with Experian in just under a month. If they can not update my account as they should, then I will need to seek legal representation. This is rediculous. They are in the business to report accurate information, and if they can't do that, then why are they in the business. It's strange that when someone uses their credit card for a purchase, Experian and other reporting agencies, quickly react and send an alert and subsequently lower your credit score. On the other hand, when someone pays off their credit cards ( which is a more positive thing ), it takes months and months for the credit reporting agency to reflect the payment. What is wrong with this picture?
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute significant inaccuracies in the reporting of multiple accounts on my credit reports, as furnished by XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. These inaccuracies, reflected by both Experian and XXXX, include false reports of late payments and conflicting information, which violate multiple provisions of U.S. law. 

The accounts in question are : XXXX XXXX Account Number : XXXX ( Experian, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX ( Experian, XXXX ) XXXX XXXX XXXX Account Number : XXXX ( Experian, XXXX ) Violations of Federal Law The reporting by these entities violates several provisions of the Fair Credit Reporting Act ( FCRA ) and related laws, including but not limited to : 15 U.S.C. 1681e ( b ) Accuracy of Reports Credit reporting agencies are legally obligated to ensure that consumer information is accurate. These accounts reflect false late payments and inconsistent data, demonstrating a clear failure to comply. 

15 U.S.C. 1681i ( a ) Dispute Resolution Obligations Experian and XXXX are required to conduct timely and reasonable investigations upon receiving disputes. Their failure to correct these inaccuracies contravenes this legal requirement. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnisher Responsibility to Report Accurate Information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX are prohibited from furnishing information they know or should reasonably know is inaccurate. False late payments and inconsistent data violate this obligation. 

15 U.S.C. 1681b ( f ) Permissible Purposes for Reporting Consumer Information Reporting entities must ensure the accuracy and proper handling of consumer data. The discrepancies in these accounts constitute a breach of this legal duty.

15 U.S.C. 1681c ( a ) ( 5 ) Exclusion of Obsolete or Inaccurate Information The inclusion of unverifiable or inaccurate late payments and inconsistent account data violates the mandate to exclude such information.

Impact of Violations These inaccuracies have adversely affected my credit score, causing significant financial harm and stress. Such reporting negligence undermines my rights under federal law and diminishes my access to fair credit opportunities.

My Requests Immediate Corrections : Remove any inaccurate late payments or conflicting data for the accounts listed above.

Ensure Accuracy : Correct all discrepancies across Experian and XXXX credit reports. 
Conduct a Full Investigation : Investigate the reporting practices of XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX for compliance with the FCRA. 
Written Confirmation : Provide written confirmation of the resolution process and actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is claiming to have verified on XX/XX/2022 an item on my credit report. The problem with this claim is that upon them providing me with the contact information for the furnisher of the item ( which is XXXX XXXX ) I reached out to them directly. 

Upon reaching out to XXXX XXXX they confirmed that they have removed the item in question in compliance with the FCRA 15 U.S.C. S 1681 et seq. Due to their lack of being able to verify this item. 

Which would then make Transunions statement about verifying the item false and the reporting of the item illegal. But to be sure I was accurate in my efforts I also reached out to the party that Transunion is claiming to sometimes received information from which is the Bankruptcy Court. They to have confirmed that they do not communicate with the bureaus and have NOT verified anything. 

So it seems there is an issue with the reporting of the item XXXX XXXX XXXX MICHIGAN on my credit report as neither of the parties that Transunion claims to furnish this data agrees with their statement of verification.
Product: Mortgage

For the past 3 years I have this property, Loancare requested proof of wind peril insurance. 
Last XX/XX/2020, I sent proof of insurance attaching the policy doc online, but they claimed it didnt go through. 
Since I kept receiving notifications of their intention to buy another policy I got one of of their representatives to help me on the phone. She walked me through the entire process to attach the policy again. She confirmed she saw it online. She also requested the name of the insurance agent ( XXXX XXXX ) and spoke to her to confirm everything looked according to their requirements. 
She confirmed to me on the phone that everything looked ok and I didnt have to worry about it. 
4 months later Loancare is claiming that this wind peril insurance my property has is not the peril insurance they required the property to have. So they went and bought insurance on my name, and are escrowing me {$420.00} for an insurance I already paid and sent evidence of such several times. 
I requested proof of calls I have made to solve this issue over the past 4 months and they are telling me that unfortunately I have to subpoena to get that. 
So what they are saying now is that I have to hire an attorney to proof to them I have done my job
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 on my Credit Report the account 'HEAD MERCANTILE CO INC ' was added to my XXXX and there is not evidence or record with that agency.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX
Product: Student loan

XXXX stay harrasing me about payments my interest are very high also they put me on deliquent, which is not fair i barely get pay enough for them to be to harrass me the way they do they are pretty rude never want to work with client i make payments each month of the amount i can. i regret taking a loan from worst company ever can't wait to pay everything off.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I had XXXX consolidated XXXX loans, sub and unsub, at Navient from XXXX to XXXX. In XXXX they were consolidated into a direct loan at XXXX In XXXX that loan was XXXX through borrowers defense as part of the XXXX XXXX XXXX XXXX 

After almost 2 years of continuous FSA complaints, emails, calls and chats, the ombudsman verified that I would not qualify for a refund because the payments I made during that time went to the commercial navient student loan trust. 

That has raised some questions for me. 

In XXXX, I was very careful to keep all of my loans federal so that I could access the benefits. I sincerely believed that those navient loans were indeed federal, and I would be able to receive refunds along with everyone else in the settlement who had federal loans. The unfairness of that is obvious. If they were federally backed and insured, why then under the settlement or XXXX is the XXXX not then liable? 

I was not warned or aware of the fact that I had given up any right to a federal refund under any circumstances, in perpetuity, from a XXXX caused lawsuit no less. 

The XXXX program was intended to maintain all benefits and liabilities of a federally owned loan, was it not? I had a bankruptcy in XXXX in which those loans were immune because they were federal student loans. Navient had no risk or liability at any point. 
From my understanding, if those loans went into default, the government would take responsibility and ownership, and any payments made after that are refunded under borrower defense. 

I can assume that this situation has come up for many, and has been discussed here. 
However, I havent been able to find any action being taken on our part from any government entity, or lawsuit Is there anything we can do to make this situation fair for all of us. Those loans were conveniently federal when I had a bankruptcy, but commercial when borrowers defense is approved, or a settlement is approved. This has caused an overwhelming amount of frustration, XXXX and XXXX for myself, in addition to the obvious financial damage it has caused. 

I would have been in good shape if I never made payments and let it default. I would still have the approximately $ XXXX that I handed to Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX Bank reported an incorrect/innacurate late payment on my consumer report, I notified this consumer reporting agency on multiple occasions about the fact that this information was a breach of my individual privacy and that it was incorrect. 

On XX/XX/2021 I sent out a written notice by certified mail to Experian, XXXX XXXX XXXX which was received on XX/XX/2021 by all three reporting agencies XXXX tracking : 9XXXX Experian Tracking : XXXX XXXX Tracking : XXXX The consumer reporting agencies ignored my dispute and when I contacted them via phone call they mislead me into believing that my disputes were never received, after the 30 day period I proceeded to submit another dispute through certified mail to Experian, XXXX XXXX XXXX in which they then proceeded to provide me with an automated response through their eoscar system which stating that the information was verified. Once I responded by asking them to provide me with the investigation results and documentation I was denied and sent a false and deceptive for which doesn't provide any actual or factual information just a statement from XXXX XXXX. 

I have been disrespected, violated and ignored and I can not take this anymore as these reporting agencies have ignored my right to a reasonable investigation. 15 USC 1681i states they have 30 days to investigate or remove the inaccurate information in which they took over 120 days to respond with a frivolous response. They have willfully 1681n and negligently 1681o non complied with federal procedures and I have been suffering due to their elaborate mechanism. 

For the third time I have submitted my disputes and when I called they told me that my letters are not in their system yet the tracking information states that they were received. 

XXXX tracking : XXXX XXXX tracking : XXXX Experian : XXXX XXXX XXXX XXXX  Tracking : XXXX Attached are the letters that were sent as proof.
Product: Debt collection

Received a phone call. Person spoke very fast and know personal information. Claimed that I owe for a payday loan from payday.com from 2008. Would not let me dispute the age of the loan and when I asked for written or emailed information was told that I would receive it after payment. I agreed to a settlement payment and then researched the company and found that they are scammers. I stopped payment and now they are calling me for that.
Product: Mortgage

Since XXXX XXXX XXXX XXXX then, XXXX XXXX XXXX have ignored All written, telephone, communication through attorney. The loan has been paid in full and since that time we have tried voluminous times to get XXXX XXXX to communicate. The only time that they have communicated is responding to cfpb complaints. 

XXXX XXXX has responded to CFPB complaints but it appears that they are intentionally sending wrong information and information that they can hide the information that we are actually looking for. 

XXXX XXXX each year Provides an annual escrow account disclosure statement and account history year by year. XX/XX/XXXX to XX/XX/XXXX. We now need in order to confirm an approximate XXXX to XXXX dollar escrow amount that is outstanding and due to us. We need a disclosure statement for escrow account from XX/XX/XXXX through XXXX of which they have failed to provide at that time. A copy of this statement has been attached so there is no misunderstanding as to what we demand they send.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , IncXXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX & Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the  request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  & Experian back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine. In addition to child support they are also reporting XXXX XXXX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX invalidly I have no contract with these creditors, these accounts are unverified and not mine so are reporting invaliding as well.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX i was notified by paypal that my account would be limited permanently and in 180 days ( XX/XX/XXXX to XX/XX/XXXX ) i would be able to move funds in my account to a bank. On XX/XX/XXXX i was allowed to move funds from my balance, but I had a goal on my paypal account in which I can not move funds from. I have XXXX USD in this goal and it can't be transferred from my goal to my balance or bank. I have tried to contact paypal Support and the support calling system hangs up on me and my emails have only been received by automated messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after XXXX months of disputing. 
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 a account without my written instructions.

15 U.S. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( 5 ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me.

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to the XXXX to file a complaint as well.
Product: Student loan

I made a payment of {$720.00} on XX/XX/2018, 3 days after I made my required monthly payment of {$240.00}, and requested the payment specifically be allocated solely to loan XXXX to pay it off. Instead, Great Lakes allocated the payment across XXXX, XXXX, and XXXX. This is the second time that Great Lakes has ignored my allocation request.