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

On XX/XX/XXXX reached out to Equifax with a follow up on XX/XX/XXXX about a dispute and have not gotten a single response. 

XXXX Balance inaccurate. This account has been transferred and reported with a balance of {$6100.00} on Equifax but on XXXX it shows {$0.00}. No information reporting on who it was transferred to. This account has already been removed from XXXX. Why are you still reporting it? 

Please delete this inaccurate account immediately. 

XXXX XXXX information inaccurate. High balance on Equifax shows {$22000.00} with a balance owed of {$20000.00} but XXXX and XXXX report a high balance of {$23000.00}. Why would you have a different balance then the other 2 credit reporting agencies. 

Please delete this inaccurate account. 

XXXX XXXX XXXX  Payment status inaccurate reporting Late 120 days late on a Collection account with a past due balance of {$450.00} and no original creditor reported on Equifax. Which is a violation. 

Please delete this inaccurate account immediately. 

The original creditor XXXX XXXX XXXX with account number is also reporting this account which is causing duplicate derogatory accounts on my credit report. Which should automatically have both removed. 

XXXX This account has inaccurate payments being reported and payment status. Payment status of Late 120 days with Four - 90 day late payments with only 1 late payment starting with 120 days in XX/XX/XXXX while XXXX reported 90 days late in XX/XX/XXXX. 

Would like these unverified late payments removed. 

Attached are copies of my original dispute and identification that was sent to the Equifax with Certified copy of mailed delivery
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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.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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent a Certified letter on XXXX XXXX  asking them for copy of the contact that i signed a full accounting history of the debt every payment history that was made copy of 1099c since they wrote it off and have on my credit report as a charge off. 

i ask for the company to send me real proof regarding the report of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following fraudulent inquiries on my credit report but yet the credit agencies are still reporting and marking as updated, even after I reached out to each company individually, claiming that its all on the credit agencies. However, in accordance with FCRA if one is not provided physical evidence then the accounts should be removed. The following inquiries being disputed are, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX / XXXX, XXXX XXXX, and XXXX XXXX XXXX
Product: Checking or savings account

Submitted complaint a few weeks ago regarding my account being blocked and my money frozen by Truist. Complaint ID XXXX. I received an email stating I could contact XXXX XXXX for assistance during the so-called investigation. However, I've been calling her for weeks and she has not called me back. I called her because I can't understand what she is " investigating '' so long. As aforementioned, I called Truist because I was concerned about someone trying to withdraw money from my account. The fraud department suggested that I put a block on the account. I told him that I wouldn't be able to go to a branch, so I'd need to close that account and transfer my funds to a different account. He told me that I wouldn't have to go to a branch, that he would transfer me to a representative who would close that account and transfer my money to the new account. After the transfer, the rep told me that my account was blocked from withdraw and only the fraud department could unblock it. She told me that I wouldn't be able to close it or access the funds. As such, she transferred me back to the fraud department and I spent hours on the phone without getting any help. I have bills to pay and Truist has blocked me from accessing my funds for over a month. This is unacceptable and illegal. So there's really nothing to investigate and certainly nothing that would take more than a few hours to resolve. But Truist has allowed this rep to sit on my complaint for over a month, while I need my money to pay my bills. This is unacceptable. This beeds to be investigated. This is a habit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX ALDOUS AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXX This company claims that i owe them {$150.00} for services that i have not used or agreed to sign up for. I have received multiple phone calls even after i have asked them to stop. They have called from different phone numbers attempting to collect money. I expressed to the company that i do not even live in the area where they are claiming to be calling from. Please delete and remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau and also mailed them a copy of the letter i received from this company stating that they are no longer reporting it the credit bureau 's and it should be removed from my credit report. I sent the letters to all three credit bureaus in XX/XX/2021 and XXXX is the only bureau that deleted the incorrect information. It is still reporting on XXXX and Experian. 

XXXX should not be reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company by the name of DEPT OF EDUCATION/NELNET is reporting on my credit report. These loans where sold to a company by the name of XXXX. NELNET is also reporting late fees on my report which has been consolidated. All of the NELNET accounts have been on my report before XXXX and open since XXXX there XXXX accounts they are reporting to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus a letter asking them to verify and investigate the items on my credit report and I was told everything was correct and my updated credit reports to still shows inaccuracy and these XXXX accounts have been removed from XXXX while XXXX and Experian will not remove them. The credit bureaus stated my account was properly investigated but how is that possible if its still not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( 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 information is inaccurate.
Product: Student loan

Ever since NAVIENT took over the student loans for the government they have increased the interest, payments, amount charged, and total amount of the loans. It's for my daughter and the loans were signed by my father as he has helped all of his grandchildren go to college.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report due to a data breach incident. Under the protections provided by 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that the following items be blocked and deleted immediately. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$450.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX & XXXX XXXX XXXX - XX/XX/XXXX - {$170.00} XXXX  - XXXX - XX/XX/XXXX - {$3200.00} XXXX, XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$690.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$650.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have asked Esperian several times to remove an account of another person from my credit report. Dispute Report # XXXX. They have not removed the account. I have sent them documents showing that I am not the person who has this account.
Product: Debt collection

Originally there are four payday loans that were originated at XXXX XXXX in XXXX Nevada. Before they charged off I attempted to contact XXXX XXXX in collection department and they refused to get a manager involved so I can settle this before it charges off. They go ahead and charge off all for loans. One is in the amount of {$270.00} one is in the amount of {$190.00} one is in the amount of {$480.00} and one is in the amount of {$670.00}. I presume that that includes the interest at the time of charge of. And then went to a XXXX XXXX company called Ad Astra in XXXX Kansas. On XX/XX/2018 I did call And spoke to XXXX. and I offered them an {$800.00} settlement the response that I received from this company was " oh I can't even consider that because this was not has not even been reported to your credit profile '' pull the call, apparently they are recorded ... Well that is the purpose to try to settle this so my credit profile is not damaged. XXXX XXXX refused to speak with me regarding a settlement and so is Ad Astra their address is XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX their telephone number is XXXX. Their collectors are quite rude so I asked to have a manager call me. I did request that a do-not-call be provided due to the collection efforts on this however no one can ensure me that I would only be called once a week or once a month. I requested personally for a manager at Ad Astra to return my call as of today 's date there has been no such call. Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against TransUnion for inaccurately and fraudulently reporting information on my credit report. The inaccurate information being reported by TransUnion is violating several laws, including the Fair Credit Reporting Act. 

Upon reviewing my credit report, I discovered that TransUnion is reporting inaccurate information related to my credit history. Specifically, they are reporting accounts that do not belong to me and have been opened without my authorization. They are also reporting credit inquiries from XXXX dated XX/XX/2022 and XXXX dated XX/XX/2022, which do not belong to me. 

As per 15 USC 1681i ( 5 ), it is the responsibility of the credit bureaus to modify or delete accounts that are not reporting accurately. However, despite my efforts, TransUnion has failed to take any corrective action. They continue to report false information, which is affecting my credit score and ability to obtain credit.

Moreover, as per 15 USC 1681, I have the right to privacy, which has been completely disregarded by TransUnion. According to 15 USC 1681s-2, 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 information is inaccurate. The credit bureau has been notified of the inaccuracies, yet they continue to report false information.

Therefore, I demand that TransUnion delete the inaccurate information immediately, including the accounts that do not belong to me and the credit inquiries from XXXX and XXXX that do not belong to me, and remove the freeze alert. Additionally, I request that they compensate me for the financial losses and emotional distress I have endured as a result of their inaccurate reporting. 

I urge you to take immediate action against TransUnion and ensure that they comply with the laws that protect consumers ' rights. Thank you for your attention to this matter. 

Sincerely,
Product: Payday loan, title loan, personal loan, or advance loan

Late on Thursday, XXXX XXXX XXXX I discovered a {$1000.00} deposit in my checking account from Speedy XXXX XXXXXXXX I called on Friday telling them I did not request a loan. They informed me that I signed the loan papers online. I denied that I did it. I contacted my bank, explained the situation, and was told that they would return the {$1000.00} to Speedy. I called Speedy again and informed them of the action being taken. Today, XXXX XXXX XXXX I tried to use my debit card only to find that Speedy had submitted a request for payment for {$970.00} resulting in an overdraft situation for me. 
I had done business with Speedy probably 4-5 years ago. I paid the loan in full ; however, I assume they could have still had my banking information on file. 
I did not request a loan from Speedy, and I did not sign the form online. I resent being defrauded by Speedy.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) (
3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Vehicle loan or lease

My family and I were heavily impacted by XXXX leaving me no other choice but to ask XXXX for help in 2022. 
Because our impacted was so bad on many levels we decided to consolidate to save our credit. XX/XX/2022 I started the clock for payoff, I requested the payoff from XXXX. The beginning XXXX I confirmed payoff again with XXXX and made them aware again of my XXXX problems. The last of XXXX, I sent a check for payoff to XXXX. 

But XXXX issued a late pay for XXXX month for the last payment. XXXX shows 30 days late for the month of XXXX. They would not provide covid protection for XXXX month rather they issued a late pay.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have a collection oh my credit report that I wasn't aware of and was part of identity theft from XXXX to XXXX in Texas  I've lived in Delaware  since XXXX of XXXX and can prove it someone has used my social security number and information either my ex-wife or someone related to her I'm thinking. I filed a complaint dispute with all three credit bureaus nothing has been resolved yet I'm trying to get this off my credit report it's {$450.00} or original creditor XXXX XXXX XXXX   XXXX  XXXX  XXXX XXXX  XXXX XXXX, South Carolina XXXX XXXX is the collection agency
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I entered into a forbearance agreement with PennyMac. Per the agreement, the forbearance was effective " immediately '' on XX/XX/2020. The forbearance ended on XX/XX/2020. On XX/XX/2020, PennyMac received a wire transfer for full payoff of the mortgage. As of writing this dispute, my credit report reflects a 90 day late payment for XX/XX/2020. I have talked to several representatives with PennyMac. They all are stating they have no record of submitting the delinquency to XXXX, however it is clearly there. This is unfair, unjust, and dishonest on behalf of PennyMac. I am filing this complaint to have the 90 days past due for this account deleted from my credit history.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I just recently looked at my report on XX/XX/year> and I saw some hard inquiries that do not have permissible purpose. I also attached evidence and the name/date of each inquiry below. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 an 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 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 if 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

To CFPB, I requested XXXX, XXXX, and Experian to do a thorough investigation on my credit report to make sure all information on my report are accurate. Upon the agencies final review of their investigation, there was too many inconsistent information reported. 
Examples : The date the accounts was reported, the last time the company reported the account, documents to show I applied for the account In accordance with Fair Credit reporting act, ALL THESE ACCOUNT with account number has violated my rights. 
XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Today, XXXX XX/XX/2023, I received multiple credit alerts that JP Morgan Chase made a " hard inquiry '' on my XXXX credit report. This is the second fraudulent " hard inquiry '' from JPMCB in less than a month. 

I called JP Morgan Chase Bank. JPMCB was unable to help me. 

I attempted to file a dispute with XXXX. I was told by the agent that I have to call the fraud department and that it will not be open until tomorrow. I will call them tomorrow and attempt to report the fraud.
Product: Mortgage

I was approved for a government backed payment deferral program on my XXXX XXXX home mortgage due to the affects of XXXX XXXX. I followed every rule to the tee, got all my approval confirmations by letter from my mortgage servicing company, was repeatedly told I would not be reported delinquent to the credit bureaus and was able to get a modified loan at the end of my deferment. However, as soon as all the paperwork was filled out and done, the XXXX XXXX reported me delinquent with past due payments. My credit score plunged XXXX points in XXXX day. When I called the XXXX XXXX, they said they had the right to report any way they see fit, even though according to the cares act, they were not supposed to do that at the end of the program. Needless to say, this has greatly impacted my life and ability to do business!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please adjust the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband passed a few months ago, I've requested mortgage assistance with my servicer. I have submitted request for mortgage assistance with my financials to Select Port Folio. Received in the mail letter from the foreclosure attorney stating they were accelerating my loan. I don't want to lose my home to foreclosure please assist me with my mortgage assistance request.