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

Equifax is reporting a company called XXXX  XXXX XXXX on my credit report. This account has been charged off for over five years but they continue to show late payment marks for every month which I thought was a major violation of the FCRA. If an account is charged off as a bad debt already they should not be reporting a monthly payment status but they are. They keep updating this old account. I want them to delete this account because they are in violation of the FCRA.
Product: Student loan

In or around XX/XX/XXXX, my servicer, Navient, misinformed me in regards to my PSLF qualifying payments. They told me that I was in the correct loan program ( IBR ) to have my loans forgiven after 10 years. I was told I could submit my Employment Certification form at the end of 10 years and that I'd be in good shape. 

Additionally, in XX/XX/XXXX I received an email from Federal Student Aid and under the " What happens next? '' section it states : " It will take several weeks to process your form. If your employment qualifies, your loans will be transferred from your current loan servicer to XXXX XXXX. XXXX XXXX will determine how many qualifying payments you have made and will provide you with an estimated date when your loans may be forgiven. '' The part that further led me to believe I would be in good shape is the last sentence. From their wording payments made to any servicer would be counted by XXXX based on working for a qualified employer, and that I needn't fill out the form until I was hoping to have my loans forgiven. 

In XX/XX/XXXX I moved from XXXX to XXXX XXXX and decided in order to make my life easier I would have my employers in XXXX fill out the ECF. 

Navient should have informed me that I needed to have my loans transferred to XXXX, and that only after I've transferred my loan do my payments count as " qualifying payments ''. Because of their actions I made payments for more than 2 years did not count. If this is not addressed I will be required to pay thousands of dollars more towards my loan, and possibly tens of thousands more in tax liability when the loans are forgiven. I believe they gave me incorrect information as a means of keeping me as their customer.
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. 
Municipal XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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: Debt collection

I received XXXX letters claiming I medical debt from XXXX. I called XXXX and asked if my account was current. They claimed I owed no money and that they did not use Transworld Systems Inc as a debt collection agency. I called Transworld System Inc and they said for Hippa reasons they would not verify my debt until I gave them my birthdate and also wanted my social security number. I told them I would not discuss the debt further or give them any personal information until they could verify the debt. They refused citing hippa.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for American Express Card upgrade which was issued. Then tried to increase credit limit. This was denied with the reason you are participating or have recently participated in a payment relief or deferral plan. This is false. We have a credit rating of XXXX which we verified on the Amex app. We went through this several months ago with my wifes Amex card. There is something very wrong. We made several calls a few months ago and the people we spoke to said there was nothing they could find but Amex continues to send this report. Have been a customer of Amex for 23 years. Dont think we will make it to 24 years but I want this information fixed
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

this loan was discharged in my chapter XXXX bankruptcy as of XXXX 2015 XXXX and XXXX XXXX refuse to delete the misinformation or report it as discharged!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to challenge the reporting and compliance on these accounts with -XXXX XXXX XXXX -XXXX XXXX  - 09 XXXX  XXXX XXXX   XXXX -XXXX XXXX XXXX XXXX -XXXX -09 XXXX XXXX These companies are reporting on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that you are reporting a incorrect account numbers There improper procedures are highly damaging to my credit report to my credit score. 
Please immediately delete this items.
Product: Mortgage

I am a retired XXXXyr old Veteran with XXXX XXXX service in XXXX on a fixed income. I was retired in XXXX and went into a severe financial crisis by the loss of 2/3 of my income. I have been scammed by several Modification outfits and got no results. I have simply been trying to get an affordable monthly payment that I can make without being broke every month. It took me 2yrs to get my full retirement and that is what started this situation. I was an XXXX in XXXX XXXX with the rank of XXXX XXXX and a rating of XXXX in civil service ( 29yrs ). My daughter and myself lived on {$1700.00} per month for over a year, Even after getting full retirement, I only bring home a little over {$3500.00} per month. When retired my monthly mortgage payment was {$1300.00}. It is not hard to see that one can not make that payment on {$1700.00} per month and still live. I have tried many times to get a fair payment that I can make, to no avail. The supposed loan started in XXXX with XXXX XXXX XXXX. We live in a small XXXX Florida town and I have found out that XXXX was not licensed or authorized to work in Florida then. The mortgage has been sold to XXXX XXXX XXXX XXXX XXXX and is currently serviced by Carrington Mortgage Service. We have recently been served with a summons Lawsuit of Foreclosure. I have been here for 27yrs and it is the only real home I have ever had. My daughter had XXXX for 6yrs and it is the only home she has ever known. To the corporations this is a property, but to us it is our home. I feel that at this time, I can make a {$600.00} per month mortgage payment. If only the mortgage company would work with me. I did have a Forensic Investigation done on my mortgage and they found several discrepancies. I am not trying to get something for nothing, I just want my daughter and myself to stay in our home. Oh, something I forgot, I was divorced in XXXX just prior to retirement. That did not help the financial situation either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the Experian 's reporting of inaccurate and incorrect information on my credit report. This misinformation is causing significant harm to my credit score and financial reputation. I have reviewed my credit report thoroughly and can confirm that the reported item in question is inaccurate. As a result, I am requesting that this incorrect entry be deleted immediately to prevent further damage and to ensure my credit report accurately reflects my financial history.
Product: Debt collection

I have been getting daily calls from the company Key 2 Recovery about a debt owed by somebody else. I have no idea who the person who the debt belongs to is. I have twice called the company back to inform them that I am not the person who owes them money and to remove my number from the account. The second time I spoke to a manager and she assured me the issue would be taken care of, yet the next day I still received a call from them.
Product: Credit reporting or other personal consumer reports

I received a letter from Portfolio Recovery for an alledged debt appearing illegally on my credit report for an alledged amount $ XXXX. 

Portfolio Recovery - # XXXX. 

I want this information removed from both XXXX XXXX and XXXX reports which is too old to be reporting on my reports. 

This alledged account also states it was charged off on a date that indicates this account has been RE-AGED!! 


RE-AGING is a very serious VIOLATION and I can sue for this alone. 

I received a letter from Portfolio Recovery dated XX/XX/XXXX which states that NEW information be sent with my dispute. 

I am sending the information by uploading it today in this complaint. 

I am uploading a letter from XXXXXXXX XXXX who you supposedly purchased this alledged debt from and it clearly shows a Last Payment Date of XX/XX/XXXX on XXXX XXXX credit report and the actual letter from XXXXXXXX XXXX  also showing a Last Payment Date XX/XX/XXXX. 

Remove this account immediately it is too OLD and clearly without a doubt reporting illegally for more than 7 years, which is another blatant violation in accordance with FCRA 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to my trans union credit report, my employers need to be updated to only the employers as stated here : XXXX ) XXXX XXXX and XXXX ) XXXX XXXX XXXX. All other employers can be deleted.
Product: Debt collection

XXXX XXXX amount was for XXXX. XXXX XXXX took me to court ( XXXX District Court )  and case was dismissed. This account does not belong to me. I had disputed the account XXXX XXXX from my credit report and they refuse to remove it, even with the document from court that show account dismissed.
Product: Credit reporting or other personal consumer reports

Multiple investigations & Inaccuracies in Reporting on Account XXXX XXXXL ACCOUNT # XXXX I am writing to address the persistent inaccuracies in reporting on my XXXX XXXX account # XXXX. Despite repeated requests, provision of evidence, and submission of screenshots clearly illustrating the inaccuracies, the account has been inaccurately verified multiple times. This egregious oversight constitutes a violation of my rights as a consumer under the 15 U.S. Code 1681i. 

According to the law, consumer reporting agencies are mandated to conduct a reasonable reinvestigation when disputed information is brought to their attention. Furthermore, any found inaccuracies or unverifiable data must be promptly deleted or corrected. 

However, in addition to the previously mentioned inaccuracies, there are further discrepancies exacerbating the situation. Specifically, XXXX is erroneously reporting the account as a XXXX XXXX  account, while Experian and XXXX correctly identify it as an Elan Financial account. Additionally, the account number provided by XXXX ends in # XXXX, whereas both Experian and XXXX report the same account with a different number. 

These glaring inconsistencies compound the severity of the situation. It is evident that there are multiple inaccuracies within the reporting system, severely impacting my financial standing and rights as a consumer. 

I demand immediate and thorough action in accordance with the law. The inaccuracies on my account must be rectified, and the account itself should be deleted if it can not be verified accurately. Failure to comply will result in further escalation of this matter to the appropriate regulatory bodies and legal authorities. 

Please be advised that I will be resubmitting the screenshots to illustrate the inaccuracies once more. This represents the final attempt to resolve this issue directly. Should no satisfactory resolution be achieved, I will have no choice but to seek legal counsel to address these violations and pursue appropriate remedies. 

I expect prompt and decisive action to rectify this matter and restore accuracy to my credit report.
Product: Payday loan, title loan, or personal loan

Dividend Finance is attempting to collect on a loan I never signed for nor agreed to. They disregard any and all information from me. Not only did I never sign for nor agree to the loan, but I never received the item/service the loan is for. You can read more about this in my previous complaints to Dividend Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and today XX/XX/2020 I tried to submit a compaint to transunion online and also tried to contact the other 2 credit reporting agency 's. Transunion will not allow me online to view my report. I am submitting this complaint about XXXXXXXX XXXX XXXX XXXX. They reported that this account is delinquent. It is not delinquent. I have had many problems and issues with this card in regards to fraud that was done on the card months ago. I have spent numerous hours and days on the phone with them trying to resolve this dispute. I was constantly transferred back and forth from customer service to the fraud dept to investigations dept back to customer service etc. This has been an ongoing issue. However this card is NOT delinquent! I am upset at the fact that they reported this to the credit reporting agency 's and now my score dropped a huge amount. There is still a discrenpency with {$510.00} with this card that is still not corrected. This card has interest free till XXXX of XXXX. I expect to have the balance ( correct balance ) paid off before then so I do not have interest put on the whole balance. I am submitting this complaint for 2 reasons. My balance is wrong and I want that delinquent remark that was sent to the credit reporting agency 's corrected and removed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) by not completing its investigation on XXXX BANK within the required XXXX timeframe regarding a dispute I submitted. Because Experian failed to verify or correct the disputed item within the legally required timeframe, it must now delete the item from my credit report immediately. 
Details of the Violation : Failure to Investigate Within 30 Days Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the FCRA, credit reporting agencies must complete an investigation within 30 days of receiving a consumer dispute. Experian has failed to do so, making them non-compliant with federal law. 
No Verification Provided Because the timeframe has expired and Experian has not provided verification, this disputed item is now legally required to be deleted from my credit report. 
Ongoing Harm Due to Negligence Experians failure to act within the legally mandated timeframe has caused unnecessary harm to my creditworthiness, and I demand immediate corrective action.
Product: Debt collection

I received notification on XX/XX/2022 that there had been an account change to my XXXX Credit bureau information. As all 3 of my credit bureau accounts have been locked for over XXXX years, I immediately checked my posted information at XXXX. There was a listing that a debt collection account had be created under my name. The original creditor was listed as XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OH XXXX. The debt collection agency was listed as Security Credit Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( debt account XXXX ). 

I have never done any kind of business with XXXX XXXX XXXX which indicates an outstanding account balance in my name in the amount of {$1300.00}. I have mailed correspondence to both entities expressing that I did not apply for any loan service through XXXX XXXX XXXX. Their web site boasts " no " Credit Score Required means that, although no minimum XXXX score or established credit history is necessary to apply, we may check past payment history based on the information you provide in the application ''. As my XXXX XXXX account has been locked for 2 years, I doubt that any effort was made to ascertain credit history. 

I have never been contacted by XXXX XXXX XXXX regarding payment of any kind, or that an account existed in my name. The first I learned of this was through my XXXX Credit Bureau account. 

I have requested via correspondence that the two entities listed above remove my name from their creditor files, and that XXXX be contacted for removal of the Collections Notice on my credit report. I assume that this was fraud committed by someone using my name and information to establish a loan through XXXX XXXX XXXX.
Product: Debt collection

My husband is in the military and I am a spouse that has followed my husband XXXX for the last 10 years. I have sent proof that this account is not mine since I was living XXXX during that period of time but they ignored the letter. This account although was not mine I still payed it because it was hurting my credit. I never received a notice just until XXXX of this past year and I went online and payed for the account. The person used my hotmail account to open this account. I have sent copies of documents and even an affidavit from the XXXX we are posted on and still there is no resolution. I do not know what else to do solve this problem since I still live XXXX with my spouse serving our country. This has been an ongoing issue since 2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Amount {$380.00}, I wrote them asking to Validate the debt being I never had services with the company the debt collector is collecting for XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX Amount {$230.00} XXXX XXXX XXXX I wrote them asking to Validate the debt being I never had services with the company the debt collector.