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 EQUIFAX AND XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXXXXXX Balance : {$260.00}
Product: Debt collection

I have received multiple threatening phone messages regarding a car accident that I never had, in a state in which I do not live, involving a car that was sold months before any accident occurred. The debt collection company is Wilber & Associates of XXXX, Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

There is an inquiry on my credit report that I do not recognized, I did not give consent to this company to pull my report, it is infuriating that they did this when they have no permission to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX services was paid in full on XX/XX/2021 and the account was closed, however it is still reporting negatively on my account and greatly affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and emailed letters to Mercedes Benz Financial Services in XXXX and XXXX of 2017 to remove late payments that were posted to my account, and again I contacted them for late payments that were posted to the credit bureaus on XXXX and XXXX of XX/XX/2017. The payments have been removed and then reposted to my account, but for the last 2 years have been moved. It is affecting my credit score. I don't understand why the account will reflect a late payment for XXXX, and then XXXX, then will get changed from XXXX to XXXX. It also has been moved from having a late payment in XX/XX/2017, to XX/XX/2017, on several occasions
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with LexisNexis AND XXXX, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file U.S. Bankruptcy Court XXXX  XXXX Bankruptcy Dismissed Reference # : XXXX Date Filed/Reported : XX/XX/XXXX U.S. Bankruptcy Court XXXX XXXX  Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.
Product: Consumer Loan

I have a auto loan through Citizens One FDIC. Another car hit my car and insurance deemed it a total loss. I requested account history of loan for the XXXX and Insurance companies. Citizens One FDIC will not email the docks or regular mail. The accident happened on the XXXX XXXX 2016 I requested info around XXXX - XXXX of XXXX 2016 and continue requesting the documents. I have made about XXXX - 12 phone calls and faxes starting from around the XXXX of XXXX till now. Each time I call Citizens One they tell me that the documents are being processed. The documents that the insurance company requested for the check that I had already signed, to pay off the loan are still being processed by Citizens One Bank. I signed the check around the XXXX - XXXX of XXXX 2016. I called Citizens One Bank yesterday ( XXXX XXXX 2016 ) and asked them if the documents had been sent off and they said " No they are in processing ''! I asked them what do you mean processing and the support person told me that, that was not his department, but he was going to put a rush on the documents. I said " rush, its already been 11 days since the insurance company had contacted you for the Letter Promise Account Loan Payoff Letter or whatever it is that they need it is still not sent ''. Then I told him that the last time I called I asked about the monthly payments and I was told that I would still have to make them. I then told him I under stood why they would n't process the requested documents. They are waiting for the next monthly payment to send them off. They collect another {$150.00} in interest from me and then collect the checks from the insurance companies. These banks have their own fake accounts open and anytime they can skim or steal a little from the working class man by delaying a process or adding a {$1.00} service charge or adding in an extra .01 % interest on one months payment it will get funneled into these accounts and then they will shove that money into a stock or bond and double or triple it. I also said to him that I am not going to pay this coming payment because if they would have sent the documents already, like they were supposed to the account would have been close to or already payed off and I had better not get any service charges for not paying either. 
He agreed but I do n't know if the bank management will.
Product: Credit reporting or other personal consumer reports

I have requested Experian to update my personal information, but they have failed to make the necessary corrections. I have submitted all required supporting documents to verify my updated information, yet the issue remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported I had a late payment in XX/XX/2022. 

My payment did not process due to my bank XXXX XXXX XXXX being bought out by XXXX XXXX XXXX XXXX  and a processing error. 

XXXX XXXX  did not honor that I had submitted a payment and reported to the credit agencies resulting in a much lower credit score. 

This is outrageous that XXXX XXXX  XXXX said they would honor the old account number and did not, and is under current lawsuits in the state of Massachusetts and that XXXX XXXX  wanted to report to this as a late payment. 

This payment was not late on my part but a banking error.
Product: Prepaid card

Received a prepaid American Express card for XXXX with a {$220.00} balance on it. I checked to make sure there was a balance on the card on their website and it confirmed there was {$220.00} available. Whenever I try to use the card on any website it automatically declines the payment method, however, it takes XXXX out of the card every time I try to make a purchase. I've tried using the card on multiple sites including XXXX, XXXX, XXXX, and XXXX XXXX. None of them work.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX I had called XXXX requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from CapitalOne, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called XXXX once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from XXXX. I called XXXX today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.
Product: Credit reporting or other personal consumer reports

My student loans were originally with XXXX XXXX. In XXXX I had a credit score of XXXX. It dropped a little due to credit card usage from emergencies, but was still in the XXXX. When paying towards my student loans, I had been paying anywhere from {$200.00} to {$300.00} per month and usually paid that in smaller increments every XXXX weeks. In XXXX of XXXX I checked my credit score to see that it dropped down to the XXXX. The report showed that there were no payments on my student loans. Nearly XXXX months went by and the report showed my payments and my score went back up, but it was in the mid XXXX instead of high. This has happened off and on for the last few years. 

XXXX took over my loans, which excited me because I was glad to be away from XXXX XXXX, however, the problem persisted. While my loans were being transferred, the credit report showed that they disappeared. It looked as though the loan was wiped out, which decreased my credit history. When the loans finally appeared on my report, my score did not go back up. It was recognized as a new loan. Please note, I had still been making payments this entire time. 

In XXXX, XXXX also failed to report my payments and my score tanked to the XXXX. It is now late XXXX of XXXX and just a year later, my score is barely back to XXXX. 

I also filed disputes with Credit Bureaus to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed credit report and saw a number a hard inquiry from Target/td XXXX XXXX, SD XXXX. Never applied for a Target Card and made company aware. There have been no feedback from company. Requested information regarding hard inquiry.
Product: Checking or savings account

XX/XX/XXXX, I had contacted Chime, or XXXX XXXX and sought to request a reversal for the past payments I have made towards my car payment. Im in the middle of civil litigation against a dealership I purchased my car from. Due to violating several laws and statutes in the state of Texas, the dealer has had their license revoked. This final order was issued in XXXX of XXXX. There is a provision issued by the Texas Department of Motor Vehicles which informs consumers of the right to cancel and remove any existing lien on a vehicle if the dealer has closed. The dealer I am seeking relief and removal of lien has had their charter forfeited, and dealer license has been closed. As a consumer it is in my best interest to begin securing my financial investments, as I had been sold a vehicle with multiple mechanical failures. As required, the Texas regulator specifies that a vehicle owner must include a letter on department letterhead that states the dealer 's license has closed, thereby making my effort to remove lien permissible. When I inquired to Chime ( XXXX ) about my ongoing legal battle, the Chime representative informed me that they could not recover or investigate claims of disputes further than 60 days. The conversation ended quickly. I later receive a notice by email stating that my Checking, Savings, and Credit card accounts at chime will be closed within a short time frame. This is unwarranted, undesirable, and very frustrating. I should not be threatened of account closure for raising a concern. Furthermore, to close any of my existing accounts would only compromise my financial security and wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Convergent Outsourcing added a derogatory mark on my credit report per XXXX XXXX, XXXX  app and XXXX. Upon further research this account was transferred/sold and I am and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Convergent Outsourcing has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

( Experian ) Dept of educationXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX ( XXXX ) Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX Dept of education/XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX # XXXX Dept of Ed/XXXX XXXX XXXX Dept of Ed/XXXX  # XXXX Dept of EdXXXXXXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/NelNet # XXXX Dept of Ed/NelNet # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agencies CAN NOT furnish an account without my written instruction and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681b-2 States permissible purpose must be given to corporations to report any information on the consumer.

15 U.S.C 1681a-2 ( A ) ( 1 ) States that the transactions and experiences between the consumer and the person making the report is not to be included on the consumer report.
Product: Checking or savings account

I have been with Navy Federal since 2004, I have had overdraft protection since then. However, over the years of being a member of Navy Federal there have been multiple instances where my account would show sufficient funds at the time of purchasing an item but in turn being charge by the bank due to " insufficient funds ''
Product: Credit reporting or other personal consumer reports

My purse was taken in XXXX. I've been monitoring my credit profile and accounts. I recently pulled a copy of my credit report and noticed accounts and inquiries that are not mine nor have I authorized. I reached out to the credit reporting agencies requesting verification. These accounts are not verifiable. 
I have the right to privacy, and these accounts with XXXX XXXX XXXX XXXX  XXXX have been furnished to my profile without my written consent which is in violation of 15 USC 1681B. 
Again I have no knowledge of the accounts or credit inquiries from XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I requested with each agency that all fraudulent addresses are removed from my profile.
Product: Credit reporting or other personal consumer reports

I disputed information XXXX years ago and it was removed from my XXXX XXXX and now it has been added back. Under the XXXX law this should not be on my credit.
Product: Debt collection

First time they called I answered no one was there and they hung up on me. Now they call twice a day. I do n't answer the phone since I did not know who they are. Upon looking the number up it is from XXXX XXXX XXXX, a supposed debt collection service, that has numerous complaints as a scumbag company. I do not owe anyone money, therefore they have no reason to call. Please put these dirtbags in Jail!
Product: Debt collection

I had an account with AFFIRM INC who is trying to collect on an alleged debt that is not mine. AFFIRM INC purchased my promissory note which payed off my debt to the bank, and is now saying I owe a debt, which is a violation of federal law XXXX XXXX XXXX. AFFIRM INC is also reporting my account XXXX days past due and is threatening to sell my information to a third party without my written consent which is a direct violation under XXXX and XXXX I am invoking my specified remedy as a consumer demanding that AFFIRM INC delete said account and stop and remove all negative reporting to
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2025 I checked my credit report with XXXX, XXXX and XXXX AND NOTICED THAT XXXX IS REPORTING 2 LATE PAYMENTS ON MY CREDIT REPORT THAT WERE NEVER LATE, INACCURATE, AND UNVERIFIABLE. FURTHERMORE, KIKOFF INC IS REPORTING 5 LATE PAYMENTS ON MY CREDIT REPORT THAT WERE NEVER LATE, INACCURATE, AND UNVERIFIABLE.

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

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

THIS IS ALSO A VIOLATION OF THE FAIR CREDIT REPORTING ACT. SPECIFICALLY, 15 U.S.C. 1681s-2, which is related to 1681a, outlines the responsibilities of those who furnish information to consumer reporting agencies, including the need to ensure accuracy and not report information with knowledge of errors