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

Account Number : XXXX I am writing to formally dispute inaccuracies in the reporting of the above-referenced account on my credit report. A review of the details provided by your bureau and those reported by other credit bureaus has revealed several inconsistencies and potential errors that require immediate investigation and correction. 

Discrepancies Identified : Account Type and Details : The account type is consistently listed as " Installment Account '' across XXXX and Experian. However, Experian further categorizes it as a " Secured Loan. '' Please verify and confirm the correct account type and details. 
Balance and Past Due Amount : Both XXXX and Experian report a balance of {$4500.00} and a past-due amount of {$4500.00}. These figures should be verified for accuracy with the creditor, as they may no longer reflect the current account status.

Account Status and Payment Status : The account is marked as " Closed '' with a " Charge-off '' or " Charged off as bad debt '' payment status. Additionally, XXXX includes a comment indicating " Profit and loss write-off, '' which is absent in Experians report. Please investigate whether these designations are accurate and align with the original creditors reporting. 
Last Reported and Date Last Active : XXXX lists the " Last Reported '' date as XX/XX/XXXX and the " Date Last Active '' as the same. Experian, however, reports the " Date Last Active '' as XX/XX/XXXX. These discrepancies must be reconciled and updated with accurate information. 
Date of Last Payment : Both bureaus report the date of last payment as XX/XX/XXXX. Please confirm that this date is correct and corresponds with the creditors records. 
Requested Actions : Conduct a comprehensive investigation with the original creditor or data furnisher to verify the account information.

Update any incorrect or inconsistent details regarding the account type, status, balance, past-due amount, and activity dates. 
Provide a detailed explanation of your investigation, including the evidence used to verify the reported information. 
Legal Obligations : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy, completeness, and verifiability of all reported information. Please resolve this dispute and provide me with an updated credit report reflecting accurate data within the legally mandated XXXX period.
Product: Credit reporting or other personal consumer reports

XXXX XXXX
XX/XX/XXXX

LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
DEAR COMENITYBANK/VICTORIA,

THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XX/XX/XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E XXXX XXXX XXXX XXXX )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX XXXX XXXX XXXX ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX XXXX XXXX XXXX IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT;

1.COMENITYBANK/VICTORIA XXXX

IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

SINCERELYXXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, my account was charged {$730.00} by XXXX XXXX. I reported this charge as fraudulent on XX/XX/2022 and my phone records prove this call. I called XX/XX/2022, to confirm why this charge was not suspended and discovered that I had been incorrectly charged late fees and missed payment fees. Barclay had failed to mark this charge as fraud. This XXXX charge should be suspended, and these late fees and missed payment fees should be removed.
Product: Credit card or prepaid card

I have received a bill in the mail for a phony Visa card that I do not have. The Visa bill makes no reference to a business or company that would make it legitimate, such as a gas station visa, a department store visa, or an airline visa.The charge they are showing is {$160.00}. The bill is from XXXX XXXX XXXX in XXXX and is clearly a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint submitted via CFPB XXXX XXXX FAILED to provide proof that this account was open by me. 

XXXX failed to verify employment, PHOTO ID &, etc. 

I asked XXXX to provide me documentation such as a pay stub or photo ID, I am still waiting 2 years later. 


XXXX also violated consumer protection laws by exposing subprime consumer such as me to unnecessarily high levels of risk and knowingly placing me in a auto loan with a high probability of default. 

XXXX did not verify employment or verify it was actually me getting the loan. XXXX requested no paperwork such as, bank statement, paystub, or anything to verify I could pay for this loan. Please bring a settlement upon ally financial I was a victim of subprime lending. XXXX has not sent me the original indebtedness in its original form. 

I am asking XXXX XXXX to provide me proof I actually open this account. Please send me a copy of my paystub ( I am sure XXXX can not provide me with a copy of any pay stub with my name on it because I haven't had a job in 10 years ). XXXX approved an auto loan without verifying the consumer had a source of employment to pay for this auto loan. 

Please provide me a copy of Paystub, photo ID, & a copy of my SS CARD all of which is used to obtain an auto loan. 

If you can not provide all three items please remove this account from all major Credit bureaus asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX  XXXX, XXXX XXXX
Product: Credit reporting 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I submitted a credit dispute relating to a Rooms to Go Credit Card that was being negatively reported on my credit reports. The credit card was in the name of someone else with me being the co-borrower. The borrower filed Chapter XXXX bankruptcy and included this debt in the bankruptcy. The credit card has been reported late and now has been reported as a charge off. After the first dispute in XX/XX/2019 ; the information was not corrected so to avoid ruining my credit I called Rooms to Go and asked to pay off the card. They refused to accept any payment as the account was flagged chapter XXXX bankruptcy. I have tried disputing the information again and the bureaus will not accept another dispute.
Product: Debt collection

I was harassed to pay an already paid debt I presented receipts of payment and was told lies such as the check bounced or I paid with fraudulent funds. My girlfriend was also harassed and threatened by the company until she started a payment plan, Ive written the court and the sent a letter to draw down the funds so they can be paid and when I had my girlfriend to call hunter warfield we were threatened again with further legal actions and damages to our credit. I have called them countless of times and they should have records of the way they spoke to me as if I was XXXX and didnt deserve to have this matter solved.
Product: Student loan

Today, I called Navient today and spoke to a representative named XXXX. I called regarding being apart of the settlement. She said if I dont receive anything by the end of XXXX to call. She said someone would call me today about an application. I was confused until she said Navient would pay {$38000.00} and I would pay {$2700.00}. The plan is {$270.00} twice and {$59.00} over 36 months but I would have to make a payment that day or the settlement would be void and would be put in collections/default. I told her my account is already in debt consolidation so they will be paid. She said she did not care and it wasnt in collections even though it was sent to collections in about XXXX? She then threatened my SSDI by stating if its not paid, Navient is allowed to garnish my SSDI. My SSDI is all I have for income. I have it in debt collection for a reason. I have a witness who overheard the conversation : XXXX XXXX. If she takes my SSDI then XXXX be homeless and wont be able to survive. She didnt ask my income into consideration until I said something and told her that I would only live on {$800.00}. She said well this is the only payment plan I can offer for the settlement. I told her I would rather just the check and she just hung up on me without discussing the second settlement since we figured the address for the Navient settlement. I feel like I am going to lose my benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 2.  XXXX 3. XXXX XXXX and a medical company which was not opened by me or authorized by me.
Product: Credit reporting or other personal consumer reports

I made numerous attempts to view my credit report or credit online using my email. Im being denied or wont allowed to see my credit report. Ive contacted them and they said I have another account which is not true. I screenshot the message as well. This only happened since I contacted CFPB
Product: Debt collection

We were notified by XXXX XXXX of the problem. We have no knowledge of the debt who the company was or the amount. We contacted XXXX and they were unable to help. The company XXXX XXXX XXXX is under investigation in Texas for trying to make people pay debts they never incurred. We have filed with the XXXX XXXX XXXX in Texas and lodged a complaint. We have never had an unpaid debt .others need to take up the fight against this unscrupulous company XXXX XXXX in XXXX texas . There are no supporting documents because the loan never existed
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion regarding unauthorized hard inquiries on my credit report. Despite my efforts to dispute these inquiries directly with TransUnion, I have not received a satisfactory resolution. 

Details of the Unauthorized Inquiries : XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize any of these inquiries and was not informed that my credit report would be accessed for any purpose. Under Section 604 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have unauthorized information corrected or removed. 

I have formally disputed these inquiries with TransUnion, as documented in my letters. Despite my efforts, there has been no resolution, and the inquiries remain on my credit report. 

Additionally, I have reported potential identity theft to the Federal Trade Commission ( FTC ) as I suspect these inquiries may be linked to unauthorized activity.
Product: Student loan

Hello. I'm submitting a complaint against XXXX related to unfair lending and servicing practices. I'm uploading documents to support the claim that XXXX  encouraged unnecessary Forbearances and Short Term Interest Only Programs instead of income-driven repayment plans leading to additional interest and fees throughout the course of my payment history starting from XXXXXXXX XXXX XXXX 

I started payments in XXXX on XXXX XXXX that originated at {$56000.00}. Over the past 17 years of payments and advised programs I currently owe {$74000.00}. 

I feel that this company was predatory and also incorrectly processed my payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX Date XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by Experian. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of any disputed information.

The following information on my credit report is incorrect : 1. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX I have attached supporting documentation, including identity theft reports which demonstrate that this information is inaccurate. Please forward this dispute along with all relevant documentation to the original furnisher of the disputed information, as required by law. 

Additionally, I request that you provide me with a written summary of the results of your reinvestigation, including any corrections made to my credit report. If you determine that the information is verified as accurate, please provide a detailed explanation of how this conclusion was reached and the contact information of the furnisher who verified the data. 

If this information can not be verified, I request its immediate deletion from my credit report as per the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) 15USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681 15 U.S CODE 1681 ( S ) - 2 SubSection 1F 15 U.S CODE 1681 ( 4 ) 15 U.S CODE 1681 ( a ). Furthermore, I expect Experian to comply with its obligation to prevent the reinsertion of previously deleted information without proper certification and notice to me.

Please conduct this reinvestigation within the required 30-day period. I would appreciate a prompt response confirming receipt of this dispute. Should Experian fail to fulfill its legal obligations regarding this matter, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) or pursue other legal remedies. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 recently submitted a payment of {$350.00} to one of my student loans. I placed notes on the check memo, I submitted a piece of paper with instructions on how to apply the payment, and I submitted a document saying how the payment was to be applied as requested to my lender. I have had to contact Navient each time I 've had a check payment submitted due to them not applying my payment correctly. Even when I follow their instructions. This causes interest to build up and bill incorrectly. I requested a full audit of my student loans be completed and provided to me. I have not heard back. I filed a complaint with the department of education and the payment was corrected but I was never provided with an audit. This is the third instance in which Navient has applied my payments wrong, and against instructions. The first time was in XX/XX/XXXX for {$3800.00} - The second time in XX/XX/XXXX for XXXX, and finally I submitted a payment in check format for {$350.00} in XX/XX/XXXX. I will be filing a complaint with the Department of Education again.
Product: Debt collection

I had Forster Garbus, LLP contact me at my place of employment, which my employer does not allow, from phone number XXXX. They told me they are attempting to collect a debt from XXXX, a company I have never heard of. This debt they claim I have never been contacted about in the past, it does not show up on my credit report, and I have never heard of it. It is fraudulent and so was the harassing phone call.
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. 

XXXX XXXX XXXX Account Number:XXXX 1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX 3.Validate Account XXXX Account NumberXXXX 5.Validate Account XXXX  Account Number:XXXX 6. Validate Account XXXX  XXXX Account Number:XXXX 7.Validate Account XXXX Account NumberXXXX 8.Validate Account XXXX Account Number : XXXX 8.Validate Account XXXX Account Number: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 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

I have been trying correct outdated information from my credit file for 3 years now. They have now locked all my access to my report. XXXX has now updated and deleted the outdated information ..XXXX and Equifax have not. The following are wrong and outdated : Bankruptcy-XXXX XXXX cnty XXXX-judjements XXXX andXXXX..and an old outdated XXXX XXXX. Please help me with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid Acima Credit my final settlement agreement payment to close and fulfill an old debt. I was advised that this would be updated on my credit report in 30 days and it would reflect as a paid/settled account status. I reached out to Acima on XX/XX/XXXXto advise that my report had still not been updated with XXXX  and the representative, XXXX, advised me that an update had been sent to the credit bureaus on XX/XX/XXXXOn XX/XX/XXXX I reached out directly to XXXX  who advised me that the account was still reflecting as a derogatory charge off. The representative at XXXX  opened a new dispute on XX/XX/ along with my settlement confirmation receipt that I received from Acima Credit and Acima responded to the dispute on XX/XX/ reporting that the account was STILL charged off and in a derogatory status. Today, XX/XX/XXXX I reached back out to Acima and spoke with a supervisor by the name of XXXX that could not provide me any additional information behind why my account is still incorrectly reporting and negatively impacting my credit. I am in the process of trying to buy a home and Acima Credit is reporting incorrect data that is hindering the process and impacting my credit score and credibility.