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

For at least XXXX years now, I have been unable to obtain my Credit Reports online. Each time I try, I get an error message saying : " Unable to Complete Your Request Online Unfortunately, your request can not be fulfilled online at this time. 
Please request your report using XXXX of the other options below. '' In some cases I can reach the XXXX questions about my credit history to verify my identity, but even though I know I answered the questions correctly, I still get an error message similiar to the XXXX above. 

This is unacceptable as it forces me to waste my time applying for my reports either via phone or via USPS, while I should be able to have the convienance of using the wesite like every other consumer does. 

Please contact the relevant agencys so that I may correct this issue promptly. 

Thank you for your time and have a Happy Holiday Season!
Product: Credit card

On XX/XX/year> I got a pending transaction for {$440.00}, I immediately notified Barclays that I did not make any purchases from XXXX XXXX and it was a fraudulent charge. They told me it would be taken care of and not to worry as it would be removed from my statement. On XX/XX/year> the charge is added once again to my account. I contact them immediately once again and am told sorry they will look into it and get back to me and only to pay the statement balance minus the fraudulent charge. I hear nothing back and stop using the card while waiting. Finally on XX/XX/year> I get a late fee charge and finally open a dispute since they would never get back to me after telling me they were going to send me information on the charge twice when I tried calling and getting an answer. This goes on for another XXXX months while they tell me sorry you are now responsible for the charge as well as XXXX of dollars in late fees and a {$99.00} annual fee for a card I cant use. Now I see I have a hit on my credit report for past due which has lowered my score by over XXXX points.
Product: Vehicle loan or lease

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " XXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP!

Account Bal. {$8500.00} Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc violations previously on these accounts The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices XXXX  XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX/XXXX Unauthorized charges
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today being XX/XX/2020, a collection account is showing up once more on my personal credit bureau again on Transunion that was just disputed and removed. The collection being XXXX XXXX and the orginal credit being XXXX XXXX XXXX. I have never personally borrowed anything from these two enitites which is why when is showed up over 60 days ago on my Transunion cedit bureau, it was disputed and removed immediately becuase i have never personally put my personal credit bureau up with these two entities.
Product: Credit reporting

On my credit report there is a judgement that needs to be closed and removed from my credit report from XXXX Bank XXXX, this is from when I filed bankruptcy and is still showing I owe XXXX dollars. The judgement for bankruptcy was granted and all debts cleared, but this is still appearing on all XXXX credit reports. 


CIVIL JUDGEMENT IN BANKRUPTCY CIRCUIT COURT XXXX $ 0XXXX XXXX XXXX XXXX XXXX {$3700.00}
Product: Credit reporting or other personal consumer reports

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got a student loan in my name. This is not me and I want it off my credit now.. its over XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In cordance 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. 
XXXX Account #. Has violated my rights 15 USC 1681 section 602 A. Status I have the right to privacy 15 USC 1681 section 604a section 2 : it also States a consumer reporting agent can not furnish a account without my written instructions 15 USC 1681 c. ( A ) ( 5 ) section status : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 USC 168 1 s- ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has responsibility to believe that the information is inaccurate
Product: Debt collection

This company is accusing me of this unknown debt. I feel like they are trying to say this debt is mine without investigating properly. I have never lived at the address that this debt has come from. The only addresses I 've ever lived at are the ones on my credit report. I never claimed this debt was mine. I simply stated that if you are saying that this debt belongs to two people then it should be split in half, because two people ca n't owe the same amount on one debt. I also noticed that this company stated that the debt occurred in XXXX, but my credit report is stating that the open date is XX/XX/XXXX which means that y'all are n't even sure when this debt occurred. I ask that this debt be properly investigated or REMOVED from my credit report. I have never even been a resident at this place. I have lived in Louisiana since the day I was born. This company claims that I never sent them proof of my residence for XXXX, but I was never asked to provide any proof of residence. This company is doing all that they can to accuse me of this debt. If this matter is handled properly, then I will be filing a complaint with the Federal Trade Commission. This debt is not mine and should n't be on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit from  XXXX    XXXX   XXXX   XXXX  and Required to pay a {$290.00} deposit to open my service. When I asked  XXXX   XXXX   XXXX  to furnish me with the document they used to determine my creditworthiness, they refused and told me it is not based on my FICO (  XXXX   )  or my credit report ( also perfect ). All they told me was experian told  XXXX   XXXX   XXXX   XXXX   XXXX  to deny me credit. Yet, my Experian report is flawless with nothing negative. Experian does not provide any customer service whatsoever. I have been denied credit and stonewalled when I attempt to exercise my right to understand why I am denied credit. This sounds like a perfect case for the CFPB!
Product: Credit reporting, credit repair services, or other personal consumer reports

Continuing to allow accounts to report that should have been removed a long time ago because the accounts are in an bankruptcy! Bankruptcy accounts are used against my credit report twice and has been going on for years!!! 

Equifax allowed an old finger hut account to flag my credit report for no reason! This account is currently in an old bankruptcy and I demand it removed at once! Along with other bankruptcy accounts that continue to report DEROGATORY that is against fair reporting and violating my rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports. I noticed an account I did not recognize. In XX/XX/XXXX I sent XXXX a validation/verification request. I sent account verification/validation letters to all reporting agencies. The accounts payment history has been updated past the year XX/XX/XXXX. According to XXXX XX/XX/XXXX was the last year of activity on this account. XXXX and XXXX have updated the account past XX/XX/XXXX showing late payments although the account was charged off and placed in collections in XX/XX/XXXX. All bureaus are showing a balance of {$860.00}. Transunion shows the account updated XX/XX/XXXX. No bureaus reports the date the XXXX XXXX account will cease reporting. The verification/validation sent to me from XXXX does not have my signature on the application. I can not verify this is indeed my account.
Product: Credit reporting

XXXX   XXXX   XXXX   XXXX   has been receiving verification of late payments on a closed  XXXX   XXXX   XXXX   XXXX  . Account closed in   XXXX  . I have given repeated letters to   XXXX   XXXX   on the verification in writing my payment history.     XXXX   XXXX   XXXX   I submitted a written notice of legal action due to the repeated request of written verification. I received a called on   XXXX   XXXX   XXXX   from a   XXXX   XXXX   XXXX   Representative stating that he will research.   Yesterday on   XXXX   XXXX   XXXX   I received a call from  XXXX   XXXX   XXXX  stating that the payment history is correct. I asked will I get a written verification of my payment history it was denied. The representative stated that a letter was written stating that his team research was correct not payment history to be verified.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 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 creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on any purpose As you may be aware, this section mandates strict permissible purposes for accessing and reporting consumer credit information. The presence of these late payments on my credit report constitutes a violation of this statute. Consequently, I am requesting the immediate deletion of these late payment entries from my credit report to rectify this error and ensure compliance with federal regulations. 

Please confirm in writing the deletion of the late payment entries within 30 days of receipt of this letter. I appreciate your prompt attention to this matter and look forward to your swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a loan serviced by OCWEN on my Property at : XXXX  XXXX XXXX, XXXX XXXX, PA-XXXX. 

I could not keep up with the payments for various reasons, given in the hardship letter. The Servicer put up my property for Auction/Sale on XXXX of this month. 

I have already submitted a Short Sale Package ( ALL CASH Offer ) through my 3rd Party.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX, EQUIFAX.COM AND XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX were informed that they were reporting inaccurate payment history for account XXXX XXXXXXXX. Equifax is reporting 30 days late in XX/XX/2023, while XXXX and XXXX reports 30 days late in XX/XX/2023. This is obviously an error on the CRA 's behalf, and this has been confirmed in the BBB response from the company. They stated that their reporting is 100 % accurate so any inaccuracy is the fault of the credit bureaus. They also agreed to remove the late payment reporting in XX/XX/2023 as a goodwill. I was informed by the company that the late payment Equifax is reporting in XX/XX/2023 is not correct. I am demanding that the late payment is removed from all XXXX credit reporting agencies and this account is updated to paid as agreed never late. Please see the attached response letter and credit account showing the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. A BANKRUPTCY IS REPORTING ON MY FILE AS A RESULT OF THE ID THEFT. XXXX XXXX AND EXPERIAN ARE REPORTING IT. XXXX XXXX TOLD ME JUST TO SEND THEM THE POLICE  REPORT AND THEY WOULD TAKE CARE OF IT. I DID SO AND NOW THEY ARE SAYING UP TO 90 DATS. EVEN THOUGH THE 45 DAY TIMEFRAME HAS EXPIRED. EXPERIAN WERE SUPPOSE TO PROVIDE THEM WITH THE POLICE REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX a PayPal credit account was opened in my name. That was closed but a new address has shown up on my report. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I have never lived or even been to Nevada. Each time XXXX  says they removed the address but it is still on my report. 

In addition I have request that the hard credit inquiry be remove by both PayPal and Synchrony Bank. And that also remains on the report.This is the case despite them telling me that they requested it be removed. I have made request for the remove of the information 7 times since XXXX. I have called both XXXX  and Synchrony on this matter multiple times. At one point I have had to request the information be removed from XXXX  and XXXX  who removed the information with no issue.
Product: Debt collection

On XX/XX/XXXX I took out a payday loan with XXXX, In XXXX of XXXX I was under the understanding the debt was paid in full. They continued to attempt payment so I stopped payment to XXXX XXXX. Sometime in XXXX I was contacted by XXXX XXXX for collection of my XXXX XXXX debit. I paid them monthly installments of {$75.00} until the debt was settled with XXXX XXXX. In XXXX of XXXX I was contacted by a no caller ID number ( along with my brother was contacted in regards to my personal matter ) stating they were making arrangements to visit my home for me to accept a certified court notice or I should call XXXX XXXX  to obtain further information. To which I called and spoke with a XXXX XXXX who told me it was for an outstanding debt owed to XXXX. I sent my documentation and was told the case was closed and all records were to be removed from my credit report. XXXX of XXXX I was contacted again in the same manner, this time I was given information from XXXX  XXXX   XXXX  working with a XXXX XXXX. Went through all the same steps and again was told case was closed. Yesterday I was contacted again by a no caller ID, certified court notice, and to contact XXXX XXXX to which they told me no payments have ever been made to XXXX  XXXX  and that my court date was set and that I would need to appear to dispute this matter. I have contacted XXXX   XXXX  to which they would not give me information as my file was sold to JTM Capital management. I believe this debt to be paid and settled and have attached my documentation of this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a fraud and Someone filed for a bankrupt in my name. The address that they use to file the bankruptcy isn't even reporting on my credit report and Experian still won't delete the the item.
Product: Credit card or prepaid card

OnXX/XX/XXXX My bill was {$410.00}. I paid {$420.00} On XX/XX/XXXX My bill was {$300.00} I paid {$300.00} I thought that the card was paid off. 
XXXX XXXXCard claimed in the XX/XX/XXXX billing statement that I made a purchase on XX/XX/XXXX for {$30.00}. On XX/XX/XXXX billing statement the amount rose to {$58.00}. On XX/XX/XXXX. I paid XXXX  XXXX card. XXXX. I thought that this card was paid off. On the XX/XX/XXXX billing statement the amount rose to {$97.00}. On XX/XX/XXXX I paid XXXX XXXX card XXXX. On the XX/XX/XXXX billing statement the amoount rose to {$79.00}. Then I paid XXXX {$1.00} which they are leaving as a credit. I was forced to give them my checking account and routing number because they would change the amount due daily.
Product: Checking or savings account

I have had an account with American Express Bluebird for several years with no issues. then on XX/XX/2019 at XXXX XXXX I received an email that my account was suspended. I wasn't sure if It was a spam mail or not so I called the number on back of my card and it was confirmed by a recorded message to be suspended. I then called the number given in the emails and asked why this happened and the representative I spoke with said he was not allowed to tell me then promptly hung up on me. I am on SSI XXXX and have it setup direct deposit. It looks like I will not be getting my check for XXXX because of this, I need that to pay my rent, electric, groceries, and to travel for several medical appointments coming up. I also had a remaining balance on the card I would like to get back.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The deletion or suspension of accounts due to a data breach or unauthorized inquiries is regulated by the FCRA Section 605B ( 15 U.S.C. 1681c-2 ) and FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute accounts on my consumer credit report, stemming from a data breach or fraud. I demand verifiable evidence with my signature/electronic signature. This letter represents my complaint against a violation of my consumer rights under FCRA Section 605B and FCRA Section 604, as these actions lacked proper validation or original proof from the reporting companies. 

Listed below are the Accounts that are being challenged : XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXX XXXX XXXXXXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

Listed below are the Collections that are being challenged : XXXX XXXX XXXX XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX - XXXX Do you know if I did not authorize this inquiry? - The following inquiry was not authorized and should not be reported.
Product: Student loan

On XX/XX/XXXX, I sent the following email to XXXX XXXX XXXX customer service email requesting a process or application in order to have my private student loans canceled due to school misconduct by XXXX XXXX XXXX ( I have taken out my account number ) : " Good afternoon, I am reaching out to you regarding my private student loans ( Account Number ). These loans were taken out through XXXX XXXX while I was enrolled at XXXX XXXX XXXXXXXX from XXXX XXXX XXXX  and consolidated in XX/XX/XXXX where XXXX  became my loan servicer. 

As you may know, XXXX  XXXX XXXX was recently found guilty of misconduct due to their pervasive and substantial misrepresentations to prospective students about post graduation employment rates, salaries, and career services.. and the XXXX XXXX  has approved a group student loan discharge for borrowers who attended the school between XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX XXXXXXXX Additionally, I applied for borrower defense forgiveness through XXXX and had my case approved and was a full class member of the XXXX XXXX XXXX  settlement because it was found that my school was one of many for-profit schools that were engaging in predatory and fraudulent practices. This resulted in all federal loans being discharged that were taken out for XXXX XXXX XXXX 

XXXX currently has an application for private student loan school misconduct discharge and XXXX senators including XXXX XXXX are pushing XXXX to cancel private loans for borrowers that attended these fraudulent schools. 

XXXX XXXX XXXXXXXX I am requesting from XXXX XXXXXXXX a similar application in order to have my private loans from this fraudulent school discharged due to school misconduct and was encouraged to do so by XXXX XXXX on Predatory Student Lending.

Please let me know what further steps I need to take. 
Thank you, XXXX XXXX '' On XX/XX/XXXX, XXXX responded to my email denying me any kind of process for student loan relief based on school misconduct : " Dear XXXX, Thanks for contacting XXXX XXXX 

Unfortunately, as this is not a federal loan, it is not eligible for loan forgiveness due to school misconduct. 

We value you as a customer and appreciate the opportunity to serve you. If you have questions or would like to request copies of additional documentation regarding this resolution, please reply to this email, visit FirstmarkServices.com, or contact us using the information below. 

Sincerely, XXXX XXXX Customer Service '' I currently have a student loan balance of {$20000.00}. My original refinance amount from XXXX XXXX to XXXX  in XX/XX/XXXX was {$32000.00}. My promissory note does not include any process or list my right to discharge based on school misconduct.