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

I sent My Letters off XX/XX/22. I told the Credit Bureaus to " Investigate every piece of information '' on the accounts listed down below. 
Also, I have attached the tracking numbers to show I sent these letters to each Bureau voicing my concerns and disdain for these inaccuracies and discrepancies. 

According to the FRCA, the Term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, personal characteristics, general reputation, or mode of living is obtained through personal interviews with friends, neighbors, and associates of the consumer reported on or with others whom he/she is acquainted or who may have knowledge concerning any such items of information.

If these accounts are supposed to be verified, how is this possible if they did not do a proper and full investigation according to The Law.

Also, every piece of information on these accounts are still reported 100 % Accurate. And According to the FCRA 15 USC 1681 EVERYTHING has to be 100 % Accurate and they are not. I have attached the inaccuracies as well. 

These accounts are not only inaccurate but they have violated My Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

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.

I am not a criminal and have never been, nor have I been convicted of any crime ( s ).

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. 

These are the accounts : XXXX  XXXX ( different amounts for all XXXX ), XXXX or XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX has violated my rights 15 U.S.C1681 section 602A states I have the right to privacy 15 U.S.C 1681 A section 2 It also states a consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been trying since XXXX/XXXX/XXXX since I talked with XXXX at XXXX pm to get Nelnet to make my loan one payment that will cover my interest and pay off my principle as well. I paid over the amount that was due and it did not even touch my principle instead what Nelnet did was " move '' my loan out according to them. Instead of paying once a month I ended up paying three times that month {$130.00} on XXXX/XXXX/XXXX and twice on XXXX/XXXX/XXXX {$200.00} and {$400.00}. I contacted Nelnet once again the following day with XXXX and was supposed to setup a payment once a month of {$610.00}. Supposedly Nelnet fixed the problem and pushed my loans into one payment. 
My payments were never set to the {$610.00} and finally in XXXX I contacted them again to fix this problem. 
On XXXX/XXXX/XXXX I contacted Nelnet yet again and spoke with XXXX about the issue of my loan not being the {$610.00} that its supposed to be as well as why I paid over on my loan group f and it never went down. I paid the {$480.00} they show online due at that date and it was posted on my account on XXXX/XXXX/XXXX. Once again today XXXX/XXXX/XXXX I received an email stating that I now owe {$510.00} and its past due somehow. Once again being charged 2 time in a month and not even for the correct amount. Nelnet does not show how much you have to pay in order to pay down on the interest they show an amount due but it does n't cover interest. They also have n't put any of my money that I pay over to principle. They say I have to check a box that is never there that says I do n't want to " push '' my loan out according to them. I have paid off many loans and continue to pay and have never had any issues like I have had with Nelnet.  They make it a nightmare to pay off your debt and continue to either over charge me or lower my payments so that interest accrues on my loan. No matter how I pay my loan my principle is not going down. This company does everything they can to keep charging you more and make it as confusing as possible to pay it down. Every other loan I have ever had in my life allows you to pay principle down after you pay your payment but Nelnet continues to " push '' my loans out and is doing everything they can to make sure that I do n't pay my principle.
Product: Credit card or prepaid card

In XX/XX/2020, I got an email about my JCPenney credit card statements. It said that starting the first of XXXX, I wasn't getting paper statements any more. They had changed my statements to electronic only, and if I wanted to change it back to a paper statement, I needed to click a link in the email. I don't EVER click links in unsolicited emails, and I've had many fraudulent emails from ppl claiming to be from a bank or company that I use. I ignored it, because when I XXXX  if it was legal for a company to do that, I found it was NOT legal. Then I got ANOTHER email from a different store credit card through Synchrony saying the same thing. I don't usually check my email more than once a month, unless I'm looking for tracking info on a package I'm expecting. I called the company, and told them it was illegal for them to be changing my billing without notifying me BY MAIL. As far as I know, it was changed back, but I've now gotten an email about a card in my wife 's name with the same garbage tactic. I believe it's to make millions in late fees by changing billing and hoping lots of people like me won't see the email or won't respond. They also refused to put ANY of my payment amount towards an " 18 months no interest '' promotion, so I'm going to get hit with hundreds of dollars in back interest in the fall. They also suddenly lowered credit limits on two accounts to just over what my balance was, which caused a 60 point drop in my credit score. There were NO late payments, missed payments, or anything else. ALL of my credit cards have been in good standing. This company is corrupt, is doing illegal things and is destroying people 's credit in the middle of a historic pandemic. 
Their business practices are designed to cause harm to consumers and attempting to use fraud to make money from late fees, over the limit fees, and raising interest rates as punishment for the results of what THEY are creating.
Product: Debt collection

I am a XXXX XXXX  XXXX Veteran that is XXXX and XXXX. I had a medical incident and had to go to XXXX Hospital for treatment. They improperly registered me as a self pay patient. Instead of submitting the visit to VA. I found out that this was in collections when we went to by a property. I did try and negotiate a settlement with AAMS 2 years ago. AAMS told me that the was a medical bill from XXXX Hospital and the date of the visit. My wife and myself figured out what the situation was and contacted XXXX at XXXX Hospital, he is the person that handles these item. After several attempts I was able to talk to XXXX via phone, he informed me that it was an ER Visit and that they had me as Self Pay this is why it is in collections. I informed him that it should have been through VA and not self pay. XXXX informed me he would see what he could do. That was 4-5 months ago and he is not been returning my phone calls that I leave left a message for him trying to get a Status. This bill is still on my credit report and now say it is due to come off in about two years. This is not acceptable! XXXX Hospital is the one that made the mistake and should correct it. 
Buy not submitting this bill to VA they are trying to receive more money though self pay than they would though VA, as VA only pays the same rate as midi-care / midi-aid.
Product: Debt collection

The co. is XXXX 's. The latest communication was a letter from Merchant 's Credit Card Co. dated XX/XX/XXXX, in which they included a copy of a XXXX 's invoice ( # XXXX ) for a hooded throw/cam in the amount of {$39.00}. After several months of finance charges and adjustments, the final balance they claim they are due is {$45.00}. 
I phoned and spoke to a rep at MCG on XX/XX/XXXX. I explained that I received a XXXX delivery around that time which I hadn't ordered. I did not open the package and returned it to sender via XXXX. ( It felt as though there might be a pillow inside so I can only assume that this may have been the delivery that XXXX 's is referring to. ) The rep with whom I spoke told me he would let XXXX 's know that the merchandise was returned to sender. I have never shopped with XXXX 's and never heard of it until I started receiving bills from them. Actually the first invoice from them was in XX/XX/XXXX. I reported that to 'report.ftc.gov ' on XX/XX/XXXX and my claim was confirmed received # XXXX. My credit report on XX/XX/XXXX was much better than the prior 1 and I have again requested an updated credit report. Coincidentally, today I received an email regarding my XXXX XXXX XXXX XXXX credit card which stated that my line of credit has been reduced due to a recent credit delinquency. As you can see, I have had many issues with false reports about my credibility for a year now. Your expedient response and assistance are much appreciated. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a letter from US Bank to my home address to alert me that the Platinum Credit Card application can not be processed due to a credit freeze on my credit file. I did not apply for this card and assume that this is identity theft. I called US Bank and spoke with the Fraud Dept who said they would put a note on my application for fraud and advised that I file a police report ( which I plan to do ). The application would not be processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

I see multiple accounts on my report that are inaccurate and the credit bureau are violating my rights by not properly verifying and providing documentation of method of verification for my dispute. I make this request pursuant to 15 USC Section 1681i, 15 USC 1681b ( a ) ( c ) and 15 USC 1681 a2ai of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I received a letter on XX/XX/2019 stating that the maturity date on my vehicle was XX/XX/2019, since then I have received several calls from the company inquiring when my next payment would be. I made a full payment of {$320.00} in XX/XX/XXXX as well as XX/XX/XXXX. I know companies can call as much as they like but some of them are repetitive, early in the day and late in the evenings. I received a call on XX/XX/2019 from the company and a representative wanted me to call back, I have never had that happen since I have been doing business with the company. I did call back and informed the person I spoke with of returning the call. I was asked when I would be making a payment, I also informed the person that I had spoke with another representative a couple of days ago and promised to call on the XXXX of the month to let them know to take the current payment out. the representative proceeded to tell me that the balance was XXXX and some change and it needed to be paid. I informed her that I didn't have that amount to pay the car off and if I did we wouldn't be having the present conversation. she informed me that the company couldn't keep pushing the months back and that I would continue to receive follow up calls from them, I told her I understood. she also said something about 80days and once the past due time reaches 80 days being they can't charge interest ( if I am  repeating it correctly ) the company the company would probably start proceedings to reposes the car. I asked her why would the company do that and I am almost through paying the car off? and take away the vehicle I need to get back and forth to work, she kept saying she understood. I did inform the representative of my asking to push a few payments back a couple of years ago and was allowed to do so, i was informed that the payments would be added toward the end of the balance of the vehicle. If I had known I would be facing this problem I would have left things alone. I would like for a manager or ceo of the company to contact me and explain the company 's policy on this matter if there be one and allow me to  continue to pay on the vehicle until the almost four and one half payments  are made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frusting because company is placing charges on my account that i am not familar, Please investigate and remove. I have been over 60 Days and the company is still reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern Ive sent Experian my drivers license social security Id and utility bill also I have sent in certified mail of personal information update letter all proving who Im and that only one name one address one email and one phone number should be reporting on my credit report and profile But it seems to me that they are not complying with consumer laws and keep violating my rights the address reporting XXXX XXXX XXXX ma I have never lived at and Ive asked that it be deleted on numerous occasions but Experian keeps adding it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent out inquiry removal letters via certified mail to Transunion for unauthorized inquiries on my report. In my letter, it states that I've contacted both Transunion and the creditors. The creditors have no proof that I authorized these inquiries or have verbal proof that I gave permission of these inquiries. 

The letter stated that according to 604 of the fair credit reporting act permissible purposes of Consumer Reports 15 U.S. code 1681B in general. Subject to subsection E, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. code 1681 paragraph 5 treatment of inaccurate or unverifiable information ( a ) in general. If, after any reinvestigation under paragraph 1 of 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 promptly delete. 

Transunion then sent me a letter on XX/XX/XXXX stating that these inquiries do not need my verbal or written consent to be on my report. 

Last 4 digits of SS # : XXXX
Product: Credit reporting or other personal consumer reports

The credit report company wont remove a account called national credit adjusters its considered paid collections even though I got a letter that national credit adjusters told equifax and Experian to remove trade line from credit report
Product: Credit card

In 2007 I opened accounts with Wells Fargo. Last month I received a statement stating that I could be reimbursed money from the accounts. I lost the letterhead but would like to receive my compensation, if its possible.
Product: Credit reporting

This item is wrong and inaccurately reported on my report for a while now under different names, first started with XXXX, then XXXX XXXX and now it 's listed under XXXX. 
I 've contacted Equifax in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX wo n't give me any answers or access to learn about the account since it 's not mine. 
I 'm writing to CFPB today requesting to press a serious action against Equifax for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my report with no reinsertion even if the same debt comes back with different entity collection. 

the collection or debt info is : XXXX/XXXX balance : {$1000.00}
Product: Mortgage

HELOC monthly loan payment adjusted from {$130.00} to {$440.00} in XXXX 2016. We were experiencing excessive obligations/household expenses prior to the payment increase which caused delinquency, but the SLS payment increase made the situation even worse. I submitted an assistance package to SLS explaining the situation including supporting documentation. After it appeared the modification request was in process additional documentation was requested and provided ( same day ). Over a two week period I attempted to reach my single point of contact on at least XXXX occasions with the only option being to request a callback. Once I spoke with the contact ( XXXX-5 times ) it was unclear what was still required. It only stated " Hardship Verification '' and my single point of contact had no idea what was needed. She was never able to advise or follow up to let me know what the underwriters were looking for. I called today ( XXXX ) and was able to access another SLS employee ( first time I was ever able to reach a human when calling ). Was on hold for XXXX30 minutes while she tried to confirm. Finally she advised the increased HELOC payment was not sufficient to justify a modification or other form of assistance. I offered to send in billing statements of all my other obligations to show/prove the excessive obligations but the SLS employee advised " that wo n't work because your already said the increased SLS payment was the hardship & per your loan agreement the payment adjustment itself is not a hardship. '' It is becoming painfully obvious SLS is a predatory lender who has no intention of providing assistance, including loan modification, for a distressed consumer. I am going to submit billing statements of my current obligations as a last ditch attempt to beg for a modification. We are currently XXXX60 days past due and approaching foreclosure status ( at 60 days they have typically sent a foreclosure threat letter ). We feel that if the payments were closer to the original amount, or even slightly higher, we could regain our financial footing. Please help.
Product: Credit card or prepaid card

I wanted to dispute a charge on my Discover card that is from a company who took my money and did not provide any service at all.They started taking my money in XX/XX/XXXX. The merchant name is XXXX and it was a monthly service fee of XXXX thru XX/XX/XXXX.I know it is old but I feel Discover should still be able to go after this merchant, as they are still in business.They also called me and said they were no longer using Discover and I needed to use a different card.I wonder why. To many chargebacks? I would expect Discover to look into this and retrieve my funds.
Product: Credit card or prepaid card

On XX/XX/XXXX I requested a replacement card & have not received it since then after chatting with XXXX through the live chat feature provided on the americanexpress.com website