23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 ( 5 ) it states this ( 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 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. 

According to 15 USC 1681 ( 5 ) it states this ( 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 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report, and I found several errors. Any reporting of this matter to credit reporting agencies is a violation of my rights per 15 US Code 1681b ( a ) ( 2 ) and 15 US Code 1692e as I did not authorize you to report and reporting such negative information about me is a defamation of character.

Please delete as these alleged hard, soft or promotional inquires we not authorized by myself, which means that these inquires ( again hard, soft, promotional ) or otherwise are fraudulent per 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ) under transitions not initiated by consumer, I ask that you please permanently delete these inquires listed. 

XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Likewise, these ALLEGED MEDICAL/COLLECTION ACCOUNTS delinquency and or the derogatory claim ( s ) of information below listed is, as reported, erroneous account is direct violation of 15 USC 1681 Reporting Incorrectly. 

XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX - Account number : XXXX Also on my there are two ( 2 ) identical accounts numbers with different balances which is not right. Please delete this accounts. 
XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX
Product: Debt collection

XXXXXXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX XXXX XXXX XXXX  - Retail ; Original Creditor - XXXX XXXX ; Amount - {$75.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$75.00} ; Individual Account XXXX Account # - XXXX ; Address : XXXX XXXX XXXX XXXX XXXX MO XXXX : ( XXXX ) XXXX I have never rented anything from this company listed above. I have written and contacted the company multiple times with no response. The phone number listed from the credit report is a actual cell phone number. I submitted a dispute request through XXXX and I was told that the company is responding to XXXX stating that I have a debt with and it's valid. I don't have any debt with them and I would like to have this removed from my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights per : 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 XX/XX/XXXX XXXX - {$190000.00} - opened XX/XX/XXXX, Last payment - XX/XX/XXXX, Dispute inconsistent dates with other bureaus and length of account. 

XX/XX/XXXX XXXX- {$32000.00} - opened XX/XX/XXXX, Last payment- XX/XX/XXXX, Dispute inconsistent dates with other bureaus and length of account. 

XX/XX/XXXXXXXX XXXX - Dispute inconsistent dates with other bureaus. 

XX/XX/XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) - Dispute inconsistent dates with other bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated that this account was properly re-investigated. Yet, they refused to provide the full disclosure that I requested per my rights via the Fair Credit Reporting Act. They sent another vague, verified letter, and supervisors refused to disclose the info used in their re-investigation. How was a proper investigation conducted when this random charged-off account now reflects an altered open/active status XX/XX/2022? ( confirmed with multiple Transunion special handling supervisors ). TransUnion removed the " Date Closed '' section from the recent verified results letter. I have all proofs. This is grounds for removal as they violated my rights according to : 15 U.S.C 1681 A - definition ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 804 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

No payments were ever made to this creditor in accordance with their reported charge off date. Closed charged-off accounts can not be re-opened. Bureaus and creditors can not use illegal tactics to negatively effect my score twice to intimidate me into validating a random debt with payment. XXXX and XXXX have deleted this erroneous account. Please have Transunion follow through with deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

unknown inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I include it once more. 
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 XXXXXX/XX/XXXX
Product: Debt collection

On the XXXX  on XXXX I told them to stop calling me every day and just to send whatever information to my house. 
They did not. 
And have continued to call me most days XXXX XXXX XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX pm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am
Product: Credit reporting or other personal consumer reports

My balance with Student Loan Provider ( XXXX ) is currently zero and has been since XX/XX/XXXX. I was provided a Paid in Full letter and my online portal with the company continues to show a zero balance. 

I disputed the balance with XXXX and provided the documentation from the provider in XXXX. On XX/XX/XXXX XXXX indicated they concluded the investigation with no change/update to my balance. 

I, again, initiated a dispute XX/XX/XXXX and provided additional letters and screenshots from XXXX website clearly reflecting a zero balance and paid in full documents. 

Today, I again received an email stating that as of XX/XX/XXXX ~ their investigation is concluded with no charges to my balance. 

This is clearly a failure or deliberate error on XXXX part.
Product: Credit reporting or other personal consumer reports

I have been fighting a long battle with equifax for quite some time now, I have sent over disputes about unverified accounts - instead of the company doing what they are supposed to do they are continuing to send me stall letters or just not responding at all.
Product: Credit reporting or other personal consumer reports

This marks my 4th submission of a complaint, as I am diligently following up on my previous communication dated XX/XX/2024. I am disputing the remaining items in my credit file stemming from the crime of identity theft. I kindly request the expeditious removal of these items from my credit file. For your reference, I have attached my new FTC report with # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As stipulated by FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the consumer 's file identified as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I applied for the scra through navy federal to lower my interest rate on my credit card. My process was approved with only the refund to my account, but my interest remained at 18 %. Under XXXX  law, as with still being XXXX XXXX, my interest rate should be capped at 6 %. Following up with Navy Federal, they stated that my credit card interest will not be dropped. They stated that previous charges were accounted for with the lower interest rate and that all current charges and payments will remain the same.
Product: Credit card or prepaid card

Received a letter from Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX, OH XXXX ) dated XX/XX/2021. The letter informed me that " as of XX/XX/2021, your XXXX Visa Credit Card account was closed due to previous negative experience with Comenity or Comenity Capital Bank. 

I've made payments timely payments, contacted the credit card company to inform them when I was having difficulty over the course of the pandemic and paid when whenever promised. I spoke with a representative today XXXX XX/XX/2021 ) after reviewing this letter and was told that due to my " negative credit history '', the card issuer decided to close my account even though I've been making regular payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on several occasions regarding inaccuracies to my credit report and I have received constant push back. I wrote letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX also have spoken to representatives via phone about the inaccurate information. Transunion has yet to remove the items that are on my credit report. Despite my multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? Transunion still have not identified who in their company verified the accuracy of these accounts or how they verified them? Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

I dont know if this error is intentional or not, created by your system, or by the entity who reported this to you, but this is affecting my credit & my score. This is an important issue for me, this affects my finances & it has come to a point where I cant even sleep well at night. As you can see, this list is detailed and quite self-explanatory, I demand you to put as much effort as needed to resolve this issue as soon as possible. 

Items : TO BE REMOVED 1.XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit card

I contacted Macys in regards to order XXXX. When the packages were delivered they were left in front of the recipient door and were subsequently not there when they arrived home. 


Macys said they do not require signatures nor do they file claims with the shipper. Making me to have to pay for items that were not received and I feel they are not protecting me in this situation as a consumer
Product: Credit reporting

I have filed several complaints with Equifax, XXXX & XXXX in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of XXXX and they refuse to fix the problem.
Product: Debt collection

ACCOUNT NAME ARS ACCOUNT RESOLUTION XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Consumer Loan

I funded a loan with Prestige Financial during my Chapter XXXX bankruptcy. My first payment was due before my bankruptcy was finalized and I told them they needed to change the initial due date. I am currently 26 days late due to major loss of income and they call me at least once a day, and email me as well. I have requested they not contact me, other than XXXX Mail, and prior to 30 days late. I have been threatened to " not risk this '' XXXX late payment status ], to " govern myself accordingly, '' and that I " must not need this car. '' I was told they would attempt payment on XXXX and I stated I would call in the afternoon to process. I emailed on XXXX to tell them I would need to make the payment on XXXX, which would be 28 days late. I received another threatening email as a result. I was also told that the payment was attempted at XXXX, which was against our recorded agreement.
Product: Money transfer, virtual currency, or money service

A scammer wanted to buy a camera I was selling. Told me to send the {$100.00} to make my XXXX  account a business account. Lost in total {$450.00} before I realized this was a scammer. The emails looked real, and I fell for it. Contacted my bank who said to file it under fraud. They denied my claim saying that it wasn't fraud since I authorized the payment. I sent numerous documents and screenshots showing the fraud.
Product: Payday loan, title loan, personal loan, or advance loan

They resolve this situation and update my credit accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting the same Department of Education Balance twice. How can the same charge show up 2 separate times? Not only were these being updated during the pandemic, which the CARES ACT put a halt on all student loans, but I paid them off and was promised they would be removed. I trusted the Department of Education, which I paid close to {$2500.00} when money is extremely tight, to honor their word. Now not only are they reporting the same account twice but they are leaving them on making getting transportation and housing much harder and much more expensive.

The struggling now are struggling more than ever. Our own  Department of Education and XXXX  and Equifax are hurting us more than anyone else. 
1. 
Account number XXXX Account status Closed Date opened XX/XX/2014 Account type XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX. 
Account number XXXX Account status Closed Date opened XX/XX/2014 Account type Installment XXXX XXXX XXXXXXXX XXXX, WI XXXX
Product: Mortgage

Select Portfolio Servicing was handling the mortgage on my home in XXXX, Alabama. I just recently sold the house, because a son of mine with XXXX XXXX XXXX could no longer stay in XXXX. As a matter of fact, some years earlier, he nearly died in the hospital there for lack of proper treatment, and was sent by plane to a hospital in XXXX Alabama. 
I sold the house and moved to XXXX XXXX, La. SpS has yet to pay me the relocation fund, and do not seem willing to do so.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this statement is being composed by me. These inquiries and incorrect information should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these inquiries and incorrect information listed IMMEDIATELY. XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.
Product: Student loan

I have asked if I could get my student loan payment lowered. In 2014 I was involved in a fire and suffered XXXX XXXX XXXX with that being said I lost my job which was in XXXX XXXX  and had no income. Due to the lack of income I incurred numerous bills which I am still trying to catch up on. I called Navient a couple of times and asked if I could have my payment lowered but they told me that was not an option, so my loan was put into forebearance which incurred alot of interest. I am struggling to pay credit card debt and my monthly student loan which is {$250.00} a month, please help.