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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : NAVIENT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint on Equifax. I have 3 fraud inquiries that I have disputed several times and they have not removed. Not only have I disputed them but XXXX XXXX XXXX contacted them twice to let them know to remove the inquiry dated on XX/XX/XXXX due to fraud and they still haven't removed it. I advised them that the XXXX XXXX inquiry from XX/XX/XXXX is fraudelent and the XXXX XX/XX/XXXXfrom XX/XX/XXXX is fraudelent and they haven't removed any of them. I also sent in a letter from XXXX stating that it was fraud, they have done nothing. I also have a collection account that I paid to delete for XXXX XXXX XX/XX/XXXXand sent in Proof of Payment and the information stated the account would be deleted and this hasn't been removed either. It like they simply ignore any valid information and leave the delinquent information on your credit report even though they know its not supposed to be there. It is simply against the regulations.
Product: Credit reporting or other personal consumer reports

I submitted a previous complaint in which the company responded as to what they found in comparison as to what is being reported on my CRAs. From the company, First Progress clearly the company has made some mistakes and inaccurate reporting to the credit agencies. In the response letter submitted it clearly states that the account found was opened in XXXX of XXXX and the opening date reported to the credit agencies states that the acct was opened XX/XX/XXXX, which is it? The company also states that a balance is still owed, if the opening date is inaccurate, then the amount is inaccurate as well. I have not received any documents requested from the company showing accurate records of any account. Please remove inaccurate and/or fraudulent information from my credit reports IMMEDIATELY as this is in clear contradiction of what is being stated and represented on my CRAs. It is also in violation of my FCRA rights and is adversely affecting my life and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements XXXX Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$16000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$16000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 61 Months Company sold - Original creditor -
Product: Debt collection

The debt is not mine and I have no knowledge of the account. I think it's part of identity theft.
Product: Credit card or prepaid card

I made my payments before the due date but experian is reporting it late
Product: Vehicle loan or lease

I have made numerous attempts to have Lincoln Automotive Financial Services to correct the inaccurate information that it continues to report to XXXX, XXXX, XXXX and XXXX. When I returned the auto lease, it was reported that I had no excessive miles. XXXX continues to charge reports a XXXX debt for mileage to the credit bureaus for the months of XXXX, and XX/XX/year>. Lincoln reported that it received its data from a third party data furnishers. I reported to Lincoln that I was a victim of identity theft and a data security breach. The referenced credit reporting bureaus have also been advised numerous times.
Product: Debt collection

This company started reporting this debt to my credit report without any prior communications. I was not given a chance to dispute the validity of the debt which is a violation of the FDCPA. They are also attempting to collect a debt for the wrong amount. This account was paid and closed with another creditor not them. The inaccurate reporting has led to adverse actions being taken against me. I was denied credit due to this company negligent and willful non-complaint reporting. Thats deceptive and misleading.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and Fcra 605 B 15 U.S.C. 1681 c-2 violations are being imposed on me. I have no knowledge about these accounts some are reporting same account with different account numbers and different name which is attached, also attach is FTC Identiy Theft report and all the false, fraudulent, and inaccuracies showing after so called verification and reinvestigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate and where removed from my creditreportby XXXX and XXXX due to attach proof of double accounts reported and inaccuracies. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; ( which reinvestigation has been done and still show several inaccuracies after so called being updated ) and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The debt collector made a new debt on my credit report just for the fees from another credit. The amount is {$120.00} and Ive disputed with them and I havent heard anything back. Opened XX/XX/2020.
Product: Vehicle loan or lease

PNC offers Check Ready auto loans in Colorado but is unwilling to provide the necessary paperwork to register the vehicle with the state Colorado. I have spoken with PNC multiple times at multiple levels and they refuse to comply and seem unaware of the requirements of the state. Specifically Colorado requires the following : If a lien is to be recorded, an acceptable mortgage document ( security agreement ) must be provided. The mortgage document must be an original, carbon copy, or a certified copy and must contain vehicle description - year, make, vehicle identification number or XXXX, lienholder 's name and address, XXXX amount, and owner 's signature.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX XXXX  an account application was started for Bank of America for a XXXX banking account. It was approved in the same moment just afterwards. I've never opened a bank account with bank of america. This is the second time this has occurred which resulted in me freezing all my XXXX credit bureaus and going through this process once before. This occurred on XX/XX/XXXX the first time fraudulently with the same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reported in 2023. No information was deleted.
Product: Student loan

I have been having major issues with Navient ever since they acquired theses student loans from XXXX. I have tried to put these student loans on an Income-Based repayment schedule at least twice and now they are saying that I am at least 60-days past due!! I do not understand what is going on. Please see the time line listed below : 1. Statement Date : XX/XX/XXXX : Navient stated that current and past due amount is {$0.00}. However, the letter also states that the amount payment due is {$250.00} in unpaid fees. How can you calculate this amount from a {$0.00} amount due? 
2. Date : XX/XX/XXXX : Navient stated that the 12-month IBR period will expire soon and to continue with the plan, please reapply XX/XX/XXXX. A IBR request was made on XX/XX/XXXX, so how is this possible? 
3. Date : XX/XX/XXXX : Navient stated that on XX/XX/XXXX, the loans enrolled in an IBR plan is set to increase to {$1100.00}. 
4. Date : XX/XX/XXXX : Sent Navient another IBR plan. 
5. Date : XX/XX/XXXX : Navient stated that as of XX/XX/XXXX, the outstanding past due payment is {$1100.00}. 
6. Date : XX/XX/XXXX : Navient stated that the account is 30 or more days past due in the amount of {$2200.00}. 
7. Date : XX/XX/XXXX : Navient stated that the account is 60 days past due in the amount of {$2200.00}. 
8. Date : XX/XX/XXXX : Navient stated that the payment in the amount of {$3400.00} is seriously overdue- let us help. 
9. Date : XX/XX/XXXX : I sent Navient received a certified letter from me, demanding proof of these alleged proof of debt and charges As of today, Navient constantly call me at least 5 times a day and leave numerous voicemails on my cell phone. They are unwilling to abide by the IRB plan that I have submitted twice nor will they provide proof that they can collect on these accounts. I am having multiple health issues to the point that I just recently had to take sick leave from work!!!
Product: Credit reporting or other personal consumer reports

This is my 2nd attempt to clean up my credit profiles. I recently seen my credit profile and saw so many names and addresses that are not mine. I only have one name and one address. I will attach documents to assure you only one name is mine, also only one address is mine and that I dont have any access to any other address.
Product: Debt collection

In 2012 I moved away from a property called XXXX at XXXX XXXX locates in XXXX XXXX Ga. I was asked to give them a 30 day notice in which I submitted. The complex was very dangerous and my children and I feared for our lives. I explained this to them. There were break-ins, robberies and mugging. Definitely shooting every night. This was not and environment thats I wanted to raise my children in. So we moved away. When I saw my credit report I noticed they had charged me XXXX for what reason I do not know. However I do not owe them anything. Please erase this from my credit. I have tried several times to do so.
Product: Debt collection

Received a letter from this alleged law firm, in reference to a different collection agency reporting in my credit files, than company mentioned in letter, regarding same credit card company. I have previously advised XXXX, and its dba companies, via fax, the credit card company should have a note, regarding a medical hardship I have been going through, since XX/XX/2018.
Product: Debt collection

The company XXXX XXXX XXXX XXXX XXXX opened this account up XX/XX/2024 for XXXX XXXX  and trying to collect {$690.00} and recently reported on me XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts.

Please review the following accounts : Account Name XXXX XXXX XXXX  I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report.

After you have finished my request, send me a copy of my credit report reflecting these changes. 

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

An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020. I discovered this account my checking my credit report through Experian. I've made multiple attempts at disputing this account and haven't gotten a resolution. This account is negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  I mailed out a dispute to this credit bureau because they have multiple accounts listed on my credit report as collections when they have been PAID IN FULL. I requested that they validate these accounts and update them to CLOSED/PAID IN FULL or delete them from my credit report. I specifically asked for a copy of the contract bearing my signature for the accounts in dispute and a complete account reconciliation regarding each account that they are reporting inaccurately. Not only did they fail to provide me with this information, they failed to investigate entirely. It was a complete disregard for my rights under the fair credit reporting act. This bureau didn't move forward with my dispute in anyway and this is seriously hurting my ability to obtain credit, purchase a home and so much more.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

They report false amount to my credit convergent outsourcing is XXXX XXXXXXXX
Product: Prepaid card

I received two American Express Gift cards. I have tried to use both of them and all times they have been declined. In addition, I have called for the last two days and spent many hours on the phone only to get the run around!! One card is for {$400.00} and the other for {$500.00}. They are both below balance now due to {$.00} being subtracted everytime i go to use them! This is proposterous!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Omni Financial : XX/XX/XXXX ( {$0.00} ) Omni Financial : XX/XX/XXXX ( {$0.00} ) XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX ( {$21000.00} ) Local Government EMP : XX/XX/XXXX ( {$8300.00} ) I have sent letters to all bureaus about removing fraudulent and closed accounts and hard inquiries affecting my credit score. I also disputed multiple of wrong address and phone numbers as well. I need these accounts removed to improve my financial situation.
Product: Debt collection

Account that was open on my account that im not aware of. No actions was taken after repeatedly calling to resolve the issues
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX to XX/XX/XXXX, I bought goods through PayPal with a seller from New Jersey ( XXXX XXXX ). The seller cheated me by some pictures to pay XXXX funds through PayPal, totaling {$24000.00}. The main behavior of the seller is : no delivery or wrong delivery ; On XX/XX/XXXX, I initiated a dispute on PayPal. I uploaded a large number of seller 's evidence. After PayPal 's review, I received my refund of {$7300.00} on XX/XX/XXXX. On XX/XX/XXXX, PayPal sentenced me to a failure of {$6500.00} because I initiated multiple disputes, so my account was warned and I was judged as a failure. 
For example, for two payments of the same order, one of them gave me a refund, and the other one did not give me a refund. The evidence I uploaded was not reviewed fairly, but was only warned by the account. 
The seller also agreed to give me a refund during the dialogue, but PayPal really imposed an unfair punishment. I would like to complain about the fraud of the seller in New Jersey and the unfair review mechanism of PayPal. 
I hope the seller 's fraud can be punished, and PayPal can fairly review the dispute. 
I am a PayPal user from XXXX. I hope that the US government departments can make relevant actions against the fraud of US sellers, so that PayPal officials can give me a reasonable explanation
Product: Credit card or prepaid card

Please see attached files. Basically Chase is refusing to believe that a fraudulent charge was made on Credit card and they have made me make the payment which is illegal. Attached are the details of the situation and I have obtained police reports to show that this charge was made by someone online who used my credit card information ( they used XXXX for a grocery order at XXXX ) for an amount of XXXX on XX/XX/2021. I have submitted another complaint and could not figure out how to amend that complaint with some additional information I am attaching here on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX  are all reporting on a 12 year old debt that was never explained it was a second mortgage. I paid on this account for over ten years  and the balance always stayed the same. I asked for a copy of the agreement I signed for the loan and they could never find it or refused to send it to me. XXXX went out of business and were doing predatory loans of which this was that kind of loan. This was a 14 year loan and I have been disputing the balance and late reports on my credit for over 4 years. I was never late, these loans that say charged off should say paid in full and loan closed. I am disputing the balance on the account that has a balance and I am disputing the late reports and the charge off. All of these need to come off of my credit report. I have never been contacted by anyone and this is over the correct limitations for reporting as well. These companies keep changing the date of the loans and making up the terms as far as months agreed to pay. the amount is wrong, this is NOT a mortgage and they need to take that off my account this was just a personal loan..
Product: Debt collection

They have contacted family members and gave then my information. They've been calling everyday. I've told then to stop contacting me and have tried blocking the numbers. They change the number.
Product: Credit reporting, credit repair services, or other personal consumer reports

MoneyLion is STILL reporting late payments to XXXX after multiple confirmations from them that they updated my reports ( XX/XX/XXXX - removed from XXXX, XX/XX/XXXX - removed from XXXX ). They are reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, and a 90 day late for XX/XX/XXXX to XXXX. Previously they had reported it as 30 days late XX/XX/XXXX, 60 days late XX/XX/XXXX and 90 days late XX/XX/XXXX. They then proceeded to have the credit bureau remove the account from my file, to re-add the account with the late payments having different dates. 

MoneyLion 's first email from the MoneyLion Escalations Department confirming my credit reports would be updated in 7-10 days to reflect the loan as paid, current, with NO NEGATIVE MARKS was on XX/XX/XXXX ( see attached email ). Then, I received another confirmation that the late payments would be removed, from MoneyLion, on XX/XX/XXXX. The second confirmation came after I filed a complaint with the CFPB on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX my three credit reports were updated to reflect the current on time paid status, with NO negative marks and paid 100 % on time. However a couple of days after I provided " feedback '' requested by the CFPB via the CFPB portal stating that MoneyLion answered my questions, did what they said they were going to do, etc., I received an alert that my MoneyLion account was again reporting 30/60/90 day lates to all three bureaus. Luckily I disputed with XXXX, and they removed it when I provided all proof that MoneyLion stated they would remove it due to it being INACCURATE. XXXX  and XXXX  would not remove the late payments. I reached out to MoneyLion again on XX/XX/XXXX regarding the account inaccurately reporting late payments and how it has reappeared on my XXXX   and XXXX  reports. Shortly after, I noticed the late payments were removed from my XXXX  report, but not my XXXX. MoneyLion responded on XX/XX/XXXX stating that the account was reporting accurately and ONCE again won't do anything about their inaccurate reporting. Not to mention, it is IMPOSSIBLE to get ahold of someone. 

I have attached all proof of admission that MoneyLion is inaccurately reporting late payments, and am requesting that they update XXXX  to reflect 100 % on time payments with NO NEGATIVE MARKS.