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

On XX/XX/XXXX I sent letters regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not yet received a response. In accordance with15 USC Section 611 ( a ), failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Additionally, in accordance with 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ), the credit bureaus are to have all investigations completed before the expiration period under section 611 ( a ) 1. As it has been over 30 days, these items should be deleted immediately. 

Tracking Numbers 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 Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX CA, XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. ( XXXX ) XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has reported same medical debt 5 times in credit report. I have contacted the original creditor who verified that only one amount is valid. This bill is attached. The collection agency has reported this debt identical times on all reports. I would like all duplicates and the original to be removed as the multiple false reporting is harming my credit and is a violation of the FCRA.
Product: Debt collection

The " XXXX XXXX  '' an umbrella of Pinnacle Credit Services LLC, XXXX XXXX XXXX XXXX and many more under the so called " XXXX XXXX '' has repeatedly put a collection amount for {$2100.00} back on my credit report through multiple transfers of XXXX - or attempts to have companies not underneath this umbrealla try to collect this debt that has been disputed, removed with XXXX and XXXX - XXXX. The account has been removed and again added back to my credit report multiple times. The last time the account was removed, this company had tried selling off a debt to XXXX XXXX XXXX address XXXX XXXX XXXX, SC - I have been violated not only through this company " XXXX Companies '' but also by XXXX, XXXX and XXXX for allowing them to even put this account back on my credit report after it has been removed multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to allow erroneous and inaccurate information on my credit report regarding a XXXX XXXX account. There are numerous issues with this account. Experian has allowed the re-aging of the account to show a later delinquency than the original delinquency. Two attempts to dispute the item were met with no real investigation and claims the item was verified with the latest attempt occurring on XX/XX/2019. XXXX is providing inconsistent and inaccurate reporting through the three credit bureaus. If the information being furnished is accurate why is the reporting different between each bureau? Furthermore a charge-off is a one time event so why is it being reported every month as a new charge-off? A charged-off account is written off and should also not have a past due balance. Please refer to the attachment for all the inaccuracies.
Product: Bank account or service

ON XXXX XXXX, 2015 I EMAILED XXXX XXXX AT WELLS FARGO WARNING HIM THAT THERE WILL BE A CHECK THAT WILL NEED MY ENDORSEMENT SINCE I AM NAMED ON THE CHECK. I ALSO MENTIONED THAT THE OTHER SIGNERS OF THE CHECK WOULD BE DEPOSITING THE CHECK WITHOUT MY SIGNATURE. I GAVE THEM A COPY OF THE CHECK AND A COPY OF MY SIGNATURE. ON XXXX XXXX, 2015 I RECEIVED AN EMAIL FROM XXXX XXXX SENDING ME A COPY OF THE DEPOSITED CHECK.
Product: Credit reporting or other personal consumer reports

In the month of XXXX, I was interested in purchasing an XXXX. I requested Pre-Approval for a unit I was interested in purchasing. I was working with a loan officer from XXXX XXXX, XXXX XXXX. After getting confirmation of a pre-approval, I requested the terms to be sent to me. Without the knowledge or consent, I received a notice that my credit had changed. I figured it wasn't the company pulling my credit because I would have been notified they were doing so. Since I was only requesting pre-approval, I did my due diligence to ensure no " Hard Inquires '' would happen. I received the first hard inquiry on XX/XX/XXXX. 

With purchasing an XXXX, you look at what you're " pre-approved '' for, and you begin shopping. I found two different units and requested information on the difference in loan terms/rates because of the spread in a year, purchase amount, and years on the terms. Once again, and without my consent, a hard inquiry was pulled to confirm this information. I did not consent in written or verbal form. The second hard inquiry was on XX/XX/XXXX. 

For the third time, I requested information for a different unit, after the purchase of the other two happened before we could close. At that time, I found a unit I was planning to purchase, gave the information, and then was notified, " We will pull your credit to get the accurate rates/terms ... '' I responded, with surprise, doesn't that happen when we begin closing and need final approvals? I was then told they had been running my credit and getting final approvals on each of the units I inquired about ( XXXX ) at this point. I explained that I didn't realize or was told that they were pulling my credit each time. This was on XX/XX/XXXX. 

Since time, my credit score has decreased by XXXX points. I am requesting these hard inquiries be reverted and the score points replenished, or a note confirming they should be replenished.
Product: Credit reporting or other personal consumer reports

I am writing to contest inquiries on my credit report that I believe are not legitimate. After reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. It seems that someone may have used my personal information without my consent to initiate these inquiries. 
I kindly request that you investigate these unauthorized inquiries and promptly remove them from my credit report. I have included a copy of my credit report highlighting the inquiries in question for your review. The following inquiries are incorrect : 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: Credit reporting, credit repair services, or other personal consumer reports

I have advised TransUnion on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. I have never paid the XXXX account late, I have never paid the XXXX account late, I have never paid the DEPTEDXXXX account late. The XXXX XXXX account does not belong to me, the XXXX XXXX  account does not belong to me, the XXXX XXXX XXXX account does not belong to me, the US DEPT ED account does not belong to me, the XXXX XXXX   XXXX XXXX account does not belong to me, the XXXX  XXXX account does not belong to me. TransUnion has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting or other personal consumer reports

How is it possible to pay your bills every month and your credit score never increases?
Product: Student loan

Company will not give me clear information on repayment options. I called today because I keep getting emails that my account is delinquent, the lady was very rude and abrasive with me. She was telling me the only option I had was forbearance and wouldnt answer my questions about the differences between the repayment plans. She also told me that my account was automatically put into forbearance following a major hurricane in my area. The lady from Navient ended up hanging up on me because I wouldnt let her get away with not answering my questions. They say I owe XXXX for ONE semester at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want my account status updated its not 120 days past due. You are maliciously allowing this company to mess up my credit report the status I repeat is not 120 days past du XXXX, TRANSUNION Last XXXX XXXX RE : XXXX XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on MY ACCOUNT .and accordance with the fair credit act XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' in my status I am not 120 days past due your maliciously messing up my score and I dont owe you guys a dime immediately. 
After doing so please provide me with an updated reflecting the changes. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

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

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Product: Student loan

I called Navient to ask why my loan amount had increased from XXXX to XXXX when I did n't make any changes on the loan. Navient told me I had selected in XXXX to go on a graduated repayment option. I asked for them to investigate because I never authorized any payment changes. I did tell them I wanted a forbearance at the given time and understood I would be charged interest for the time it was on forbearance. Then they proceeded to tell me I was on a " fixed '' interest rate. The customer service line gave me different answers everytime I called. I went online and starting doing research myself. When I looked on their website for a fixed payment option it did not exist. Only options were graduated interest only option. Looking at my loan amount it was $ XXXX. Exactly the amount I took out in XXXX initially. I know I attended some adiditional colleges for approximately XXXX. However with me paying my loans every month since XXXX and only missing XXXX full year in XXXX I should have had my loans down more. I could n't seem to get any help at all.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate negative accounts and delinquency records on my credit report. Upon reviewing my report from Equifax, Experian, and TransUnion, I discovered incorrect negative information that does not belong to me and is damaging my credit score. 

These errors include XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX accounts XXXX fraudulent delinquency reports, and incorrectly reported late payments. I believe these inaccuracies may be the result of identity theft or reporting errors. Despite my efforts to dispute these items directly with the credit bureaus and creditors, the issues remain unresolved. 

The presence of these incorrect accounts has significantly impacted my financial well-being, affecting my ability to secure credit, loans, and other essential financial services. I am requesting the CFPB to investigate this matter and ensure that the inaccurate negative information is removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her privacy. 

XXXX is guilty of the infringement upon my consumer rights to privacy, pursuant to 15 USC 1681 ( a ) ( 4 ).

Under 15 USC 1681b ( a ) ( 2 ) XXXXXXXX did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item on my consumer report. 

Therefore, I will be including XXXX and XXXX during litigation for wrongful collection attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

lexis nexis is unreachable by phone or online and are causing me financial harm through higher auto insurance rates because they falsely are publishing data on an accident in which I was rear ended and had no fault. It was 100 % the party behind me and I have the police report to prove it!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out to the credit bureaus as well as the department of education in reference to my loans. A lot of the loans are past the statue of limitations so they should be removed from the credit report.
Product: Credit reporting or other personal consumer reports

I put in a change of address prior to moving. My mail carrier returned some of my mail in error ( ( I was told by XXXX ). In the meantime, I was in good standing with XXXX aka Iowa XXXX XXXX as an XXXX plan was in place good through XX/XX/2024. However, in their attempt to send me correspondence, they not only placed that I could not be found ( they still had my phone number and email address and did not use it to " find '' me ). From XX/XX/2024 and every month up until recently, they put a negative report on file stating I was behind and added an amount over XXXX per account ( XXXX accounts ) stating I was late. I called and spoke to their billing department and the woman stated that she did not say I was late just could not be found and the information could not be removed. This has caused my XXXX XXXX to drop significantly and now has caused a problem with me obtaining gainful employment. I had a problem with their reporting in the past even though I kept in good standing with them they still falsely reported information about late payments and stated they are in their rights to do so. How can I ever pay them if I am consistently undermined by their tactics with my credit report to find gainful employment to be able to pay them off without enquiring more interest and fees? I graduated to better my life not to make things worse. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus reporting inaccurate information on accounts. Disputed these items before but still have no accurate verification of the information that's being reported on closed accounts. 

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

I am writing to follow up on my previous communication regarding account number XXXX. As I have previously mentioned, I have been attempting to have late payments removed from my credit report associated with this account in order to obtain a home loan. 

I have called several times to get this issue resolved, but it has not been rectified. The latest paperwork that you sent me does not address the issues I have raised. 

As I previously mentioned, I believe that your company has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 2 ) which states that consumers have the right to privacy and that consumer reporting agencies can not furnish information about a consumer 's credit report without their written instructions. 
Furthermore, I believe that your company has violated Section 1666b of the FCRA, which states that a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. 

I request that you take immediate action to investigate my dispute and remove the negative information from my credit report. I also request that you provide me with a written explanation of how your company plans to ensure that my rights under the FCRA are not violated in the future. 

I expect a prompt response to this request, as this matter needs to be resolved quickly. Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My personal information was stolen and used to open fraudulent and unauthorized accounts in my name. 

I am writing to dispute the accuracy of certain information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they provide. I believe that EQUIFAX has failed to uphold this standard regarding the following items 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX XXXX XXXX sent a written confirmation stating that an update on account number : XXXX has been sent to all credit reporting agencies to reflect a {$0.00} account balance. As of XX/XX/2023, all credit reporting agencies has reported inaccurate account information.