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

I am formally requesting with this CFPB complaint to update or remove the following accounts in my credit profile which is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. Under the provisions of the FCRA, I need the following items corrected : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Bankruptcy Reference XXXX XXXX XXXX Date Filed/Reported : XX/XX/2019 XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I am XXXX XXXX XXXX and my reason on reaching out to you is to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and i have yet to received any investigation results.
Product: Credit card

Bank of America closed my account without sending me a correspondence regrading as to why they close it, i called customer service on XXXX/XXXX/XXXX and the representative told me he does n't know as to why it got closed the only reason he could tell me is I had late payments on the credit card. I asked if the only reason to open it is to reapply again and the rep said yes. the reason why i got late payments is I got XXXX and could n't pay it, I payed the credit card on XXXX/XXXX/XXXX for {$230.00}. I feel that I got discriminated on this matter and treated unfairly.
Product: Student loan

Please describe the issue you have repaying your loans or grants. 
My loan servicer, Mohela, is not processing my XXXX  plan application. I submitted a XXXX  request in XX/XX/year> which was never processed however they put me into the XXXX plan repayment which resulted in XXXX missed payments because I was waiting for my XXXX  application to go through. I called and was able to reach an agent to put me into forbearance although I am worried that these months will not count as qualifying payments for public service despite WANTING to pay an XXXX  rate. I resubmitted a new XXXX plan application on XX/XX/year> which has still not been processed as of XX/XX/year>. I received a letter saying I have again been placed in forbearance due to them not processing my XXXX  application, and any months in forbeareance would not count towards XXXX. 
I again called on XX/XX/XXXX and could not reach a customer service agent regarding this issue. I just get sent through a doom loop with no option to reach a real person.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( STATEWIDE ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies payment history.. I have asked to have them updated to " paid on time, paid as agreed, never late.. THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH DATE IN THE PAYMENT HISTORY FOR THESE ACCOUNTS LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE FOR EACH ACCOUNT LISTED TO " PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY IMMEDIATELY ''. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS TO " PAID AS AGREED, PAID ON TIME, NEVER LATE '' OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS : ( XXXX XXXX )
Product: Consumer Loan

Back in XXXX XXXX, XXXX I got approved for a loan from Preferred Credit , Inc., for {$3000.00}. After XXXX phone calls from them during the last 6 weeks, to verify my address again, to make sure I am me, finally I have received in the mail the first statement, today, XXXX XXXX, XXXX. To my astonishment I was already charged with {$43.00} interest. I called the loan company, and was told that the interest starts accruing from the day I signed the contract. To my question of why they dragged their feet and took their time to issue this first statement so late ( again, 6 weeks later ), they had no reply. I mean, is their interest to delay the setting up of the accounts and so on, as long as possible, because, at the end me, the customer, will pay interest retroactively. Why I did n't get this first statement at the beginning of XXXX? So I can be charged these accrued interest? I have no control of the speed they process their paperwork, yet I need to pay now. I think they are playing an unfair game regarding my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a recent copy of my credit report I noticed, a company shown as : GENESIS CREDIT MANAGEMENT was reported to my credit report per XXXX XXXX I have never signed any written agreement with them. Nor never heard of them. Upon further research, debtors ' creditor did not verify this collection, also there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send a bill and say its mine. According to FCRA, this company has violated my rights as a consumer and I'm requesting legal actions to remove this fallacious account to be removed from my credit report immediately!
Product: Vehicle loan or lease

I leased a 2024 Genesis in XXXX XXXX of 2024. 

I signed the first initial contract at that time. 

I was shortly told thereafter, that the contract i signed was incorrect- and i needed to resign a second contract. At the dealers direction, a second contract was then signed. 

I shortly receive a call from the dealership ( Hyundai XXXX XXXX of Genesis ) after signing the second contract that there was yet again another error and a third contract needed to be signed. Frustrated on the lack of organization, a 3rd contract was signed. 


3 months later, on XX/XX/XXXX, i received an unauthorized credit pull from Hyundai capital motors/ financing, referencing a credit check was performed, i had no awareness of this taking place. 

After further investigation, i had found out that Genesis financial had 2 open accounts showing for 1 vehicle, 1 of which is currently running derogatory, showing large outstanding balance.

When i went to contact Genesis, i was initially told this was an error on the dealership and i needed to have them reach out to to close one of the accounts, when i spoke with the dealership, they indicated this was an error on the finance agency. AT this point, it has become a blame game, and myself the consumer is the one looking for answers. 


i am writing this for my protection, in the interim as this looks to get resolved. 
I have been told i would be contacted by a representative from Genesis directly which has not happened.

This compliant is both to Hyundai of
XXXX AND Genesis financial
Product: Vehicle loan or lease

I had a new car loan through XXXX ( Nissan Motor Acceptance Corporation ) XXXX. The loan start date was in XX/XX/XXXX and the loan was set up on autopay with my bank. I was never late for one payment and never received notification other than to state when the autopay amounts were paid. On XX/XX/XXXX, I got an alert from one of the credit monitoring companies that I subscribe to that my credit score changed from a score of XXXX to XXXX because of a late payment reported by XXXX XXXX. I called XXXX XXXX the next morning and they informed me that they will not auto debit the last payment left on a car loan and that I had to manually pay the last payment. I was never informed of this requirement before the day I spoke with NMAC and did not receive any notice that this last payment was late. I had an over 5 year history of making on time payments and a credit score of XXXX prior to this issue. If I had been made aware that the last payment had to be made manually, I would have made the last payment, on time, like the over 60 monthly payments before. XXXX XXXX sent a letter to the credit reporting agencies that I paid off this loan but the letter did not state that the over 30 day payment report was an error on XXXX XXXX 's part but only stated that the account was paid off. My credit score is still low ( XXXX ) because of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, SAGESTREAM the also have records of file the are wrong.
Product: Credit reporting or other personal consumer reports

After several calls and sending dispute letters on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have not received any conclusive response. 
I am writing to request the correction and removal of incorrect information on my credit report related to account number [ Account Number XXXX ], [ Account Number XXXX ], and [ Account Number XXXX ]. Below, I detail the discrepancies found in the credit reports issued by the three main credit bureaus : XXXX  Account Number : XXXX Reason : Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete.

Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Experian : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. 
Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Experian : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. 
Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Experian : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) XXXX : Date Last Payment : XX/XX/XXXX ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) These dates do not match and are inaccurate. This incorrect information is negatively affecting my credit score and needs to be corrected immediately and these accounts # XXXX, # XXXX, and # XXXX need to be removed from my credit report. 
I request that the CFPB intervene to resolve this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit ReportingAct this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXXXXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to get XXXX XXXX collection account and numerous inquiries that I did not authorize ; Ive spoken with representatives from XXXX, XXXX, XXXX and Equifax the payment before collection has been verified and was advised that they would send a letter to all 3 credit bureaus to remove the collection and I would receive a copy in mail I have not received confirmation of deletion letter yet nor has the 38 inquires been removed from XXXX Equifax Credit reports. I am currently in process of closing on property and these entries are having a negative impact on securing loans and moving forward ; this account was satisfied before it went to collection not sure where these inquires came from deleting will be greatly appreciated. XXXX REMOVE INQUIRES AND COLLECTION PLEASE DO NOT REINSERT ANY STATEMENTS, FRAUD ALERTS, SECURITY BLOCKS, OR FREEZES WOULD LIKE TO KEEP " OPT-IN '' FOR PROMOTIONAL CREDIT OFFERS*.
Product: Debt collection

This number has called me a total of 16 times ranging from XX/XX/2018 to today ( XX/XX/2018 ) and will not stop. I only picked up once to confirm it wasn't someone I knew and I haven't picked up since. They claim I am someone I am not and that I owe them $ 200+ dollars. None of this is true. I attempted to block their number but I still received notifications saying " blocked call '' and it fills up my call log. I tried to fix the issue with the " company '' but they never accept calls. It also seems that they call around the same time everyday, twice, but I can not accept those calls as I am in school. Looking at my call log, I am realizing that they call at the exact same time every day at XXXX, XXXX, or XXXX XXXX. Please help me in stopping these calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX DOB : XX/XX/XXXX | XXXX : XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I am writing to formally request corrections to my credit report as I have identified several inaccuracies that require immediate attention. This is the second time I am submitting this request. If the inaccuracies are not resolved, I will be compelled to pursue all legal avenues available to me, including civil action. 

Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX Incorrect Date ( s ) of Birth : XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Employer ( s ) : XXXX XXXX XXXX XXXX IN Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX Additionally XXXX I request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls.

I would like to remind you that under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as mandated by law.

Moreover, I would like to highlight the following sections of the FCRA : Section 605 : Prohibits the inclusion of outdated information in credit reports. Please ensure any outdated information not meeting the FCRAs timing requirements is removed.

Section 623 : Requires furnishers of information ( creditors and others ) to report accurate information and to verify this information when disputed by the consumer. 

I look forward to your prompt response and expect a resolution to these inaccuracies within the stipulated time frame.
Product: Debt collection

As previously submitted, PNC is pretending that the options they gave me to deal with an outstanding XXXX loan were legitimate. When they, in fact, XXXX represent unlawful advice as they do not represent me in a fiduciary function. The neglected to act in a manner consistent with the purpose of XXXX loans and forced me to repay an amount that would later have been forgiven had they followed guidance from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding an internal investigation of the following credit reporting companies : XXXX, Trans Union and XXXX. I have found that these companies aren't governing themselves according to the Fair Credit Report Act. I've disputed on numerous occasions the inaccurate reporting of my consumer reports regarding the late payment history. According to the FCRA Section 603, 15 U.S. Code 1681A titled definition : Rule of Construction ; defines paragraph 2 exclusions - except as provided in paragraph ( 3 ), term " consumer report '' does not include '' ; ( A ) subject to section 1681s-3, of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Therefore, the following accounts which are within my credit report ; the payment history must be REMOVED ; based on these EXCLUSIONS of the rules. These accounts are as follow : XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX  TransUnion XXXX XXXX TransUnion 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 As stated , these companies are not abiding to the " Rule of Construction/Exclusions per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Product: Debt collection

Received an alert from XXXX that a new account was placed for collection by a company by the name of XXXX XXXX XXXX on XX/XX/17. I do not have a contract or have done business with this company. This new listed collection account has dropped my credit score by several points.