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

XXXX XXXX XXXX continues to break federal law. XXXX XXXX XXXX is reporting wrong data and different data to all three credit bureaus as you will see in the attached documents. 

With XXXX they are not reporting that this is a medical bill. 

With XXXX XXXX XXXX XXXX is not reporting that the account is In dispute They are misreporting the account type which should be medical billing. 

You will see how they are intentionally and maliciously reporting contradictory data across all three credit bureaus in fact not one report matches another whatsoever! 

With XXXX they are reporting The status as unpaid when this should say closed With XXXX, XXXX XXXX XXXX is not reporting that the account is In Dispute With transunion, XXXX XXXX XXXX are not listing this account as In Dispute With transunion, XXXX XXXX XXXX is not lIsting this account as a medical bill Under account type You will see with transunion the account type is being reported incorrectly as open account when they have closed it with another credit Bureau, and the account type should be medical bill which it is not. 

With transunion, you will see they have not even listed account status, XXXX XXXX XXXX just reports random data inconsistently and inaccurately across all three credit bureaus with no ryhme or reason, and this is illegal and it has gone on for too long! 

With XXXX, XXXXXXXX XXXX is reporting in the account type here collection account completely different than the other two credit bureaus! This should be listed as a Medical Bill as the type! 
And the account status in inconsistent with the other reports cause they just ignored that entry. All together! 


With XXXX, XXXX data is reporting in the account type here collection when they have reported it closed on other Bureau reports! 
This should be listed as a Medical Bill as the type!, And the account status in inconsistent with the other reports cause they just ignored that entry again this month All together!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Corrections : XXXX XXXX ( Reported 'Open '' on XXXX yet 'Closed ' on XXXX ) Please delete account or provide Method of Verification Ad Astra ( Please delete account or provide Method of Verification ) XXXX and XXXX fails to report Account Type Both are FCRA violations
Product: Credit card

Signed up and the initial transaction worked, but now I can not get any further transactions to go through. They keep saying XXXX is blocking it for " fraud protection '', but not offering any solutions to get the card to work. And now because I have done a transaction, I can't cancel the card without paying the {$120.00} manual fee. Adn apparently no one in the entire company can make any overrides of any kind to correct the situation in any way. Absolute fraudulent company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the Equifax data breach. I have to take ( and pay for ) steps in order to protect my credit which was compromised through no fault of my own. Credit freeze and thaw should be free under federal law.
Product: Debt collection

On XX/XX/21, the Solutions Department from Comenity Bank called my cellphone about someone else 's debt that they assume to be my friend/family member. I do know this person, and they shared a revelation of debt, asked me to call them back, and requested the person 's contact information. All of this was left on my voicemail. 

When I called Comenity back, I was told by Comenity that they are legally allowed to share all of the above-mentioned information about this person 's debt with me ( based on the state she lives in and because they are internal not third party collections ) and confirmed that the person has a debt. 

When I spoke with a supervisor XXXX XXXX # XXXX XXXX about my concerns related to consumer privacy ( as it turns out I am a customer there, too ), she turned my concern into a XXXX  maze of confusion and was pretty nasty. She refused to follow-up on my concerns. 

Customers, beware!
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Vehicle loan or lease

I'm requesting for my down payment be returned to me asap. I sent notices directly to them and no response to my request. This go against our agreement that was signed
Product: Debt collection

I had a lawn care service with XXXX XXXX, during the course of the servicing period my lawn was not properly maintain, I was paying for weeds. I called the company several times complaining about the weeds, they did try to correct the issue but the weed problem got a little better, but I was over all not satisfied with the services. I called in and spoke with 3 representatives the first one told me that she would take care of the issue and cancel my services. Then I had another representative call me back and tell me that the first representative was not able to make that call, she also went ahead and said that I was moving which was not true and I never stated that on the call. I did not know if they were getting me mixed up with another client, so I asked to speak with a manager and she did call me back and said that she is sorry for what happened but I would still be responsible for the service that I was told was cancelled. She offered to split the fee with me, but I felt as a customer why would I have to pay for a service that I cancelled and it was not working. I paid my bill the entire time I use there services I also have neighbors complaining of there services as well. I was disappointed with the supervisor as she said well if you don't want to Pay I will take further actions. I was a client that always paid and asked for my services to be cancelled.
Product: Student loan

We annually apply for Income Based Repayment with Navient and XXXX. Navient consistently does n't know what and when we have applied. They require us to re-apply two to three times as they can not seem to find the paperwork. For example, last week we re-submitted paperwork through the StudentLoans.gov website and XXXX had received and completed the paperwork in less than 48 hours. Navient on the otherhand, can not find it and claim we did n't send it, even though we have proof we did. It seems they purposefully miss or lose paperwork so we are forced to pay on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Dismissed Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Dismissed Past due amount {$0.00} Fraudulent Account : XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$26000.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$6600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Access to Credit Report I hope this letter finds you well. I am writing to request your assistance in resolving an issue I am currently experiencing with accessing my credit report through your company. 
I recently attempted to access my credit report from Equifax, XXXX, and XXXX, but unfortunately, I have been unable to do so successfully. Despite several attempts over the past XXXX XXXX, I have encountered persistent difficulties, and I am concerned about the impact this may have on my ability to obtain my credit score and review the information contained in my credit report. 
I understand the importance of regularly monitoring my credit report to ensure its accuracy and to address any potential errors or discrepancies promptly. As a responsible individual, I strive to maintain a strong credit history and ensure the information reported about me is correct. However, the current situation has hindered my ability to access vital credit information that is crucial for my financial planning and decision-making. 
I kindly request that you investigate this matter and provide me with the necessary access to my credit report as soon as possible. I believe there may be an issue on the system 's end that is preventing me from accessing my credit information. If there are any specific requirements or additional steps I need to take to verify my identity or resolve any potential obstacles, please let me know, and I will gladly comply. 
In the interest of resolving this matter efficiently, I have included my relevant details below :
Product: Credit card or prepaid card

I am writing this notice for my dispute that was not settled with my refund. The company is NetSpend, a prepaid debit card. 

All of the transactions occurred on the same day, XX/XX/2020. The transactions started on XX/XX/2020 and posted on my account at XXXX. The next 15 transactions all taking place in XXXX Washington, are the transactions I am disputing. The amount taken from my accounts exceeds {$1400.00}. 

I live in and have not left XXXX XXXX XXXX CA, in over a month. I have my debit card with me and was not lost at the time of these transactions. I tried to make a purchase on XX/XX/2020 at XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX at XXXX and that transaction was declined. That is when I noticed all of these transactions made in XXXX Washington and all of my money taken from my account. At that time I still had my debit card with me. No one else has access to my account and I have only the one debit card attached to that account. 

I have also filed a police report with the XXXX XXXX XXXX Police Department. The report number is XXXX. If you have any questions about the report, the XXXX who took it said you can call them at XXXX XXXX XXXX XXXX. 

Thank you and if you have any further questions feel free to email me back
Product: Checking or savings account

Inquiry XXXX I received a promotional offer to open a Citi Priority bank account and after 2 criterion had been met would receive XXXX Thank You points. I have a credit account with Citibank and the two requirements ( spending {$750.00} and setting up 2 months of autopay for a bill within 60 days ) seemed easy to meet so I decided to give it a try and move a small amount of funds to open an account. From day one there were problems -- first, my opening deposit received an error message online so I called in to make sure it wasn't processed. The customer rep told me they were sure it had not been and that I could try again. When I made a second attempt that seemed to work, I shortly after ( the next day ) received a notice from my bank that there were 2 transactions initiated. I attempted to cancel one and somehow this disrupted Citibank 's delicate and outdated system and caused my account to have a negative balance before I had even had it functioning for two days! I waited almost a week for this to be cleared up. I then changed an autopay of mine to come out of my new city account. At the end of the first month the bill came out and I had spent the {$750.00} required. I called customer service to confirm this and they told me that they could not confirm I had met the requirements but informed me that it was not as simple as setting up and auto pay " you have to add payees ''. Let me point out very strongly this was NOT what the promotional card said. It did not explain the " setting up payees '' is what is required to meet the autopay requirement. At this point I knew that Citibank would attempt not to award the Thank You points I had earned. I set up my aforementioned autopay as a " payee '' and designated that {$100.00} be paid monthly -- this setup was done WELL within the two months. If conversations are recorded then Citibank has evidence of all this via my conversations with the customer service representative. I opened an inquiry about a week ago in my local branch regarding this and received a letter from Citibank dated XX/XX/28 stating that I did not meet their very cleverly vague " bill pay '' requirements. I did meet these requirements even though I had to do my own digging and clarify the promotional card with the representative to do so. I insist on being awarded my Thank You points in entirety. I am extremely thankful I did not transfer more than a tiny amount of my funds and assets to Citibank 's care, as I see they are very dishonest. I will make sure my dealings with their " promotions '' are seen on social media and I will most definitely warn all of my acquaintances both business and otherwise of how I was scammed by Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate late payment for XX/XX/2020 showing on 23 student loan accounts with XXXX XXXX XXXX  and each time the credit bureaus stated they have investigated the issue and come back that the late payment reporting is accurate. I now have documentation from XXXX XXXX XXXX stating this late payment that is being reported is indeed incorrect and that it should not be reporting as late. Also the balances reported are incorrect. Therefore this shows that the investigation that the credit bureaus supposedly conducted was flawed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX for covering up the nefarious schemes of XXXX XXXX XXXX. 

We have requested in a previous complaint to have the credit bureaus provide the evidence they use when they continue to not correct wrongful credit reporting. We had also provided the letter that XXXX XXXX XXXX used to justify how they arrived at changing our loan term from 30 year ( Promissory Note ) or 40 Year ( Loan mod ) to 50 year or 600 months. They choose to not follow that standard legal document rule, but instead somehow combine the two legal documents to come up wit the number 50. This is without doubt nefarious means of altering the loan agreement they are only required to Service. i had requested that they provide the documentation that was used to verify as accurate, but did not receive such verification as should have been provided according to their letter. The request was sent to all three main credit bureaus. XXXX decided to remove the entire XXXX XXXX XXXX account. XXXX has responded " Verified as accurate '' but won't provide the documents that was used to overlook what has our signature attached. How can a mortgage servicer simply change the rules of signed contracts without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to you regarding account XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX Department of education XXXX XXXX Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed payment. I have disputed the completeness and accuracy of the disputed information. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I identified errors that do not align with my financial history. These inaccuracies have caused undue harm to my creditworthiness, and I believe they stem from negligent noncompliance with your duties under the FCRA. 

Specifically, collection agencies XXXX XXXX XXXX, XXXX XXXX DEBT RECOVERY SOLUTI, XXXX XXXXXXXX XXXX are inaccurate for the following reasons : he debt does not belong to me or has been paid in full also missing documentation from the furnisher of the information, incomplete investigation, etc. 
Pursuant to 5 U.S. Code 1681o, you are liable for damages caused by negligent noncompliance if the errors in my credit report result from your failure to take reasonable steps to ensure the accuracy of the information provided. I believe this applies to my case because no information has been furnished to me proving the accuracy of reporting follwing request.

To resolve this matter, I am requesting the following : That you conduct a full investigation into the disputed items, as required under the FCRA. 
That you correct or remove the inaccurate information from my credit report. 
That you provide me with a written confirmation of the results of your investigation and any corrections made.
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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX CARD Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX/XXXX  Account Number : XXXX ; XXXX CARD Account Number : XXXX ; XXXX CARD Account Number : XXXX ; XXXX  XXXX  Account Number : XXXX
Product: Credit card or prepaid card

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Bank of America is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I received a response from them but they did not provide the documents that I am asking and they did not update the credit report as disputed. 

I already paid the debt and want the account removed from my credit report. 

Bank of America is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Starting on XX/XX/2022, I applied for an apartment in New Jersey, because of my employment work relocation ( management ). Although, my application was denied. I inquired with the apartment leasing office the rationale why my application was denied and was informed, the leasing office ran my application and could not receive my Experian credit score. This is devastating, I'm a manager and my employment depends on my ability to support my organization. As a XXXX man, my family had to step in and co-sign for an apartment so I could relocate in schedule. 

Once, I was settled in my new location, my XXXX car had engine problems, probably due to the XXXX XXXX road trip to my new location. I applied online for an auto loan with XXXXXXXX XXXX, who financed my previous two vehicles. Within 20 seconds, I received a computer-generated response, my credit report was denied. I have " never '' missed a payment and paid both cars off early. I have never been late or missed any payments. I contacted XXXXXXXX XXXX and were also informed ; they couldn't get my Experian consumer credit report. 
I created and Experian account and sign-on to my account. AS THE ACCOUNT OWNER, I COULD'NT GET MY CONSUMER CREDIT REPORT. I called numerous time s to no avail, NO SUPPORT and were told. you don't have any open account. WELL ASSESS OR SCORE THE CURRENTLY CLOSED ACCOUNTS. this is destroying me, I CAN'T GET CREDIT, APARTMENT, HOME LOANS, or anything tat I can't pay cash for. I need someone to correct this AS SOON AS POSSIBLE, I NEED MY CREIDT SCORE. 
If Experian is going to be a consumer credit reporting entity, they should be held accountable.
Product: Debt collection

I requested proof of the alleged debt after submitting documentation to the company showing that, per the landlords written statement, no money would be owed as long as I vacated the property by the agreed-upon date of XXXX I did. Despite this, the company continued to pursue the claim without providing valid evidence of the debt. 

The dates I have reached out regarding this debt : XX/XX/XXXX XX/XX/XXXX The company reported the alleged debt to the credit bureaus without furnishing valid supporting documentation and subsequently initiated legal proceedings by filing a claim in court. However, the matter has not yet proceeded to trial. I have submitted a response to the court, and a hearing has been scheduled for XX/XX/XXXX. As of now, no judgment has been entered against me.
Product: Debt collection

i was checking my credit reports 2 two months ago there was XXXX XXXX account in it for {$1200.00} so i called them for a validation letter i never received it and i made another validation request in writing which under the FCRA act,15 us code 1692 they 30 days that frame is pass they still not respond
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 XXXXXXXX # XXXXXXXX XXXXBANK # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX  # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) # XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) # XXXX has violated my rights. 

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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00}
Product: Student loan

The department of education has discharged federal student loans for XXXX XXXX students for the following : pervasive and substantial misrepresentations to prospective students about postgraduation employment rates, salaries, and career services during that time. '' Article found here XXXX XXXX XXXX XXXXXXXX This should also be applied to Private student loans for The XXXX XXXX XXXX Please discharge all privately held loans.