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

Hello I did not open this account. Could you please remove this account as soon as possible from my profile? 
Thank you.
Product: Student loan

I took this private student loan back in XX/XX/2009, and have been repaying it since the loan started as a {$5000.00} student loan. After ten years of making payments, my principal balance is still {$3200.00}. I called the lender to negociate a lower rate but they refused. I was not clearly explained at the beginning while I was still in school that the minimum payments I was doing did not covered anything or almost anything on the principal. With all the payments I have done so far, I have paid well above the principal.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account in question in the amount of {$300.00} that you have been reporting negatively on my credit report without proper notice. You do not have permission to contact me by physical mail, phone, nor e-mail. All documentation may only be uploaded through this portal. If you can not provide adequate documentation showing that I have ever done business with Debt Recovery Solutions with my signature on it than you must remove this negative tradeline from my credit report at once. Debt Recovery Solutions did not follow through with the proper notification before placing this debt on my credit file which is against the law. If this tradeline is not removed Debt Recovery Solutions is subject to have legal action taken against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/XXXX XXXX. I told the credit bureaus to investigate every piece of information on the account I have listed below Also I have attached the letter I sent out and here is the Tracking # XXXX requesting them to do on investigation on the accounts below. I also sent another letter on XX/XX/XXXX requesting on re investigation because I was not satisfied with the first results. 
Experian respond by letter stating that the item was verified .I also attached the letter I received from EXPERIANThey stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies on all three Bureaus 1..Acc # # XXXX XXXX XXXX XXXXl XXXX Account detail on account is [ inaccurate Last report on account is [ inaccurate Comments [ inaccurate Date last active on account is [ inaccurate Date of last payment on account is [ inaccurate 2..Acc # XXXX XXXX XXXX  Date open on account is [ inaccurate High credit limit reporting on account is inaccurate. 
Last report on account is [ inaccurate Date last active on account is [ inaccurate Date of last payment is [ inaccurate Please see attached of my updated credit report showing the hiLight inaccurate information on all three beru
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was previous disputed and removed by another collection company " XXXX XXXX '' because the original lender could not prove that I legally owed this debt, so after I disputed and resolve this debt. It was sold to another company " XXXX XXXX XXXX '' and I ask then to do the same. Experian did not do their due diligence in their investigation, if they did, then Experian would have recognize that I disputed this debt before and it was removed cause the original creditor could not verify this debt and months later it was sold to another collection agency. I requested the collection agency 'XXXX XXXXXXXX XXXX '' to provide me with several documentation : 1. What do I owe this money for? 
2. Explain and show me how they calculated what they say I owe?

3. Provide me with copies of any papers that show I agreed to pay what they say I owe?

4. Provide me with any judgement, if applicable?

5. Identify the original creditor?

6. Prove that statue of limitations has not expired on this account?

Experian has said they verified this information. I believe they never contacted the original creditor and they never provide me with a letter or letters from the original creditor.

I attached all the necessary documents as proof, to further prove that Experian did not do their due diligence in verifying if this information is correct.
Product: Credit card or prepaid card

On XX/XX/22 through XX/XX/22 17 charges for {$95.00} had been made to my card.I did not make these charges or authorize them in any way. It is impossible to get connected with comenity bank at the number on the statement. XXXX. I have called multiple times and can not get an answer. It just disconnects.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name keep getting changed with Experian my name should be hyphenated but instead of hyphenated they put space, or either of my two hyphenated last name. I have tried several different things and sent id. This is third report!! 

Documents is their twice lowering my score.? unless Experian.com is fake..hacked somehow someone took over XXXX XXXX  rejection of emails
Product: Credit reporting or other personal consumer reports

I have been dealing with this company for over a year and I still have no proof that they actually are still owed money. I was in bankruptcy a few years ago, during which time my account with this organization was removed or updated as closed on my credit reports. When I called them post-bankruptcy to inquire about the account, FIRST they couldn't even find my account. They then sent me to an entirely different organization that then sent me back to them and it still took them three weeks to 'find ' my account. Since then, this account still shows as Closed on all my credit reports, to include TransUnion ( which was the one they allegedly updated and the only credit bureau they say they work with ). 

Going back and forth everything has felt incredibly shady. My monthly due amount doesn't even cover my interest accrual but they say that's my 'full payment ' amount when I called, meaning that unless I overpay what they say I owe I will be paying them forever. XXXX was not my original loan service, they purchased the loan from XXXX years ago.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligned with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : 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

Made payment and company still reporting as delinquent. Made payment XX/XX/XXXX files wrong information XX/XX/XXXX needs to be fixed asap
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill Its legal obligation under the fair credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. That consumer, financial protection, Bureau ( CFPB ) Has recently filed a lawsuit against Transunion, alleging, systematic issues, such as failing to consumer provided evidence to furnishers, excepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed Disputed items, despite the evidence I provided, causing on, going home to my credit standing. I am requesting immediate corrective actions to remove or amend that disputed accounts, as experience in action, violates federal law, and my rights as a consumer
Product: Credit card or prepaid card

Someone made a purchase in the amount of {$330.00} in a South Carolina XXXX and I live in Pennsylvania. They pick up the order with a different name. I have never been in South Carolina and do not know anyone there. They gave me a provisional credit in XX/XX/XXXX and then deduct it from my account XX/XX/XXXX XXXX XXXX said they found no error. I lost almost half of my Social Security.
Product: Bank account or service

On XXXX XXXX I had {$130.00} on my account ending in XXXX. I have XXXX rush cards ending in XXXX and XXXX. I was un able to access the amount on the card ending in XXXX so I initiated a transfer which did work to card XXXX in the hope that the other card would work. It did not work so I transferred the money back to card XXXX and I did this twice again between dates XXXX and XXXX. Rush sent me documentation regarding that transfer. I also attempted withdraw the money at an atm on XXXX and that did not work. A few days later I received documentation regarding the transfer and a notation that the transfers were cancelled. Rush also removed the {$130.00} from my account. That money has never been replaced, refunded or was it used by me. I sent in forms and disputes regarding the money and was told on XXXX that the decision was made that the money was non-existent and a balance error. I was also told that the money was put back into my account which is a false statement. As of this date their is no record of that money except for the email which was sent to me since Rush removed any accounting of the transactions or balance on that date as it stood on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May concern : After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX  -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. Equifax is reporting a balance of {$22000.00} with a current payment status, XXXX  is reporting a balance of {$22000.00} with a current payment status and XXXX  is reporting a balance of {$22.00}, XXXX with a current payment status now all three of these balances cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different. The balances listed on all 3 reporting agencies is the current balance on my account either. My current balance is {$21.00}, XXXX. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE the erroneous item immediately Thank you, XXXX XXXX
Product: Credit card

I am writing to express my concern and frustration regarding the recent issues with my Chase business credit card. For the past several days, my card transactions have been repeatedly declined, despite there being sufficient credit available on the account. This situation has caused significant inconvenience and disruption to my business operations. 

I have contacted Chase Customer Service multiple times in an attempt to resolve this issue and to understand the reason for the declines. However, each time I have reached out, I have not received any clear or helpful information about the status of my account or the reasons for these declines. The lack of communication and transparency has been disappointing and has left me without a resolution. 

As a valued customer, I expect better service and communication from Chase. The inability to use my credit card and the uncertainty surrounding the situation are impacting my business, and I need this matter resolved as quickly as possible. 

I trust that you understand the urgency of this matter and will take the necessary steps to resolve it promptly. I look forward to your immediate response and a swift resolution to this issue. 

Thank you for your attention to this matter.
Product: Credit reporting

The item with XXXX XXXX was deleted from my XXXX credit report on XXXX/XXXX/XXXX and it was re-inserted back on my credit on XXXX/XXXX/XXXX. There was no reinsertion notification as required by law. 

XXXX, Experian and XXXX FAILED to notate on my credit report that this item was in dispute per the FCRA. 

I 've been dealing with this issue for 2 years now and they reinserted the item back on my credit without notifying me within 5 days. 

They are in violation of the FCRA on the following counts : 1 ) Neither Experian, XXXX nor XXXX, notated the item in dispute. Still current report is not notated. 
2 ) XXXX deleted item and reinserted back on my credit. 
3 ) XXXX did not notify me within 5 days nor did they send me any information at ANY time informing me of the reinsertion. 
4 ) XXXX failed to cease collection activity On XXXX/XXXX/XXXX Experian was in receipt of my certified dispute tracking # XXXX and they too failed to notate that the item was in dispute per my report dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

My current report dated XXXX/XXXX/XXXX has no comments stating that the item is in dispute. Still after 2 years of my Validation request that they received on XXXX/XXXX/XXXX they NEVER notated that this item was in dispute. 

My last attempt to get this resolved was a certified letter tracking # XXXX sent to XXXX on XXXX/XXXX/XXXX informing them of the violations. 

I am asking Consumer Financial Protection to help me get this resolved, it 's been 2 years that I 've been dealing with this. My last resort would be to contact an attorney and file a lawsuit for all of their procedure violations. I hope it does n't come to that. All of this over a {$47.00} collection that was previously deleted. This item is the only blemish on my credit report. 

This company clearly has no regard for following ANY of the FCRA/FDCA consumer laws. 

Attached documents include copies of several of my credit reports where both Experian and XXXX failed to notate the item in dispute. There has been no statements made on my credit reports over the past 2 years that this item has been in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the erroneous accounts on my Credit File for 5 months already but it is clear that the Credit Bureaus have been ignoring my disputes. I noticed that the Credit Bureaus indicated on each accounts ' dispute status as " Account not Disputed '' despite the fact that I have been sending the Credit Bureaus dispute letters and CFPB Complaints. How can the Credit Bureaus report the Accounts as verified and accurate if is is obvious that the Accounts ' disputed status indicates as " Account not disputed ''. The Credit Bureaus have failed to respond to my letters, Claimed that the information presented are verified, and failed to send me copies of proof of verification. These actions of the Credit Bureaus is a clear violation of the Fair Credit Reporting Act. It is clear that the Credit Bureaus have become negligent of the FCRA statute. Under the provisions of the FCRA, I am requesting that the Credit Bureaus stop their erroneous reporting and have the disputed accounts deleted as soon as possible : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$4700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
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 TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX and XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I purchased XXXX and they placed a warning saying purchases will prevent Withdrawals for 72 hours. I thought nothing of the warning because I had believed they had a different process for sending XXXX to other addresses. Instead to send you have to withdraw. I had placed all the money I needed to use TODAY of which all 100 % is locked up for 72 hours. I need this money now and this is a very very big problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

Between XX/XX/2022 and XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm ( s ).
Product: Student loan

In XXXX-XXXX of 2017 I was unable to make payments due to being out of work. I was not receiving any income due to a medical leave of absence. I am up to date with all payments and made back payments as well. Please consider removing this from my credit score as I was unable to control hospitalization. I am now trying to purchase a home and due to my low credit score, I am being denied the loan amount needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my name, social security number, and address in a security incident.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Inquiry : XXXX. XXXX, XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Inquiry : XXXX XXXX, XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Account Number XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS