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

The accounts should have been removed from my credit hence they are older that 7.5 years old. According to the Fair Credit Bureau Act they should have been removed. I have disputed them with XXXX XXXX and they said their nothing the can do about them. My accounts keep re-aging every time I dispute them. I have disputed them with the Credit bureaus ( Experian, XXXX, and Experian ) and they have not removed them either. They are all reporting at different times but all of my loans were bought from Department of Education at the same time. Also my payments are on an IDR plan of {$0.00} and Im showing multiple late payments.
Product: Credit reporting

The addresses on the credit report were said to have been removed but are still reporting. My name is also spelled incorrectly.
Product: Credit reporting or other personal consumer reports

A homeowners insurance loss exists on my LexisNexis XXXX  report. The information on the report is inaccurate as it shows me as the at fault party. I am not the at fault party. The appliance company " XXXX '' is the at fault party and the claim was subrogated through XXXX XXXX XXXX company. I have provided XXXX letters of experience from XXXX XXXX to Lexis Nexis and the information is still being reported inaccurately. This is causing me to pay higher XXXX rates and being denied XXXX. I will also be filing a complaint against XXXX XXXX XXXX, as I can not get any answers on how this should be remedied.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

" I am experiencing communication tactics issues with LVNV FUNDING LLC. Despite my requests to cease communication or limit contact to specific channels, they continue to harass me with repeated phone calls. These calls are often made multiple times a day, which is disruptive and causes undue stress and XXXX Additionally, some representatives of the collection company have used abusive language during these calls, further exacerbating the situation.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct a Proper Investigation of Disputes and Address XXXX Non-Issuance by Collection Agency I am filing this complaint against XXXX, XXXX, and Experian for XXXX significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, Experian used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
XXXX. Failure to Address XXXX Non-Issuance by a Collection Agency : XXXX. Despite my dispute, Experian, XXXX, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a XXXX. This raises questions about the legitimacy of the debt and violates federal regulations. 
Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX Key Violations : XXXX. Failure to Conduct a Reasonable Investigation : o Experian violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested.

o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
XXXX. Failure to Provide Details of Investigation : o Experian failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ). 
XXXX. Inaccurate Reporting and Failure to Address XXXX Non-Issuance : o Experian, XXXX, and XXXX continue XXXX report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a XXXX for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : Bankruptcy. XXXX XXXX XXXX XXXXXXXX Account name : XXXX. XXXX Account name : XXXX. XXXX Account name : XXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and 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.

( 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.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute an error on my XXXX & XXXX credit report, specifically account number XXXX, pertaining to XXXX At XXXX XXXX XXXX The account is incorrectly listed as open, and I demand its immediate deletion from my credit report. I request a thorough investigation into this matter and request evidence of the alleged debt, including : A copy of the original contract or agreement Proof of payment history Documentation of any communications or correspondence related to this account. I believe this error may be a result of false, deceptive, or misleading representations by the collector, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : 15 U.S.C. 1681n : Unauthorized access to consumer reports 15 U.S.C. 1692e : Prohibition of false, deceptive, or misleading representations I urge you to take prompt action to correct this error and ensure the accuracy of my credit report. Please provide : A copy of the investigation results The official history of this debt Please respond within 30 days, as mandated by the FCRA. I look forward to a swift resolution.
Product: Checking or savings account

On XXXX, my employer XXXX that uses XXXX XXXX XXXX issued my paycheck. My paycheck was to be direct deposited into XXXX different accounts : XXXX account being a XXXX XXXX XXXX  checking, UFB Direct checking, and UFB Direct saving account. My paycheck went through my XXXX XXXX XXXX checking for the amount it was supposed to and my UFB Direct savings for the correct amount but there was no money put into my UFB Direct checking. I provided them my paystub showing that the money was sent from my employer into that account. I also have proof of that account being connected to my direct deposit along my employer providing information that there was not errors on their side. I have reached out the bank multiple times with the proof need that the {$410.00}. XXXX was not deposited into my UFB Direct checking account. They have continued to not do anything to fix the issue and claim their is not issue even though I provided information saying the money was sent.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$5300.00} XXXX XXXX  XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX  created a FALSE DEBT by claiming i am EMPLOYED as a XXXX  with the XXXX XXXX XXXX XXXX. i am actually XXXX and unable to work. numerous GOVERNMENT DOCUMENTS EVIDENCING that i have NEVER BEEN EPMOYED AS A XXXX  by the XXXX  XXXX XXXX XXXX have been provided. the social security administration has provided a certified letter stating i was never EMPLOYED AS A XXXX  by the XXXX  XXXX XXXX XXXX, and the XXXX  XXXX XXXX XXXX has also provided a statement that i was never employed by the XXXX  XXXX XXXX XXXX. experian refuses to remove the demand from my credit report. experian is in violation of numerous rules and laws. 442 USC 659 ( h ) 1 ) ( B ) ( iii ) specifically prevents the use of veterans compensation ( title 38 payments ). 38 USC 5301 specifically prevents use of veterans compensation in any legal process. more importantly, 5 CFR 581.103c7 and 5 CFR 581.102 and 104 as well as 38 CFR 3.458 prevent experian from allowing XXXX  to impose the illegal demand for payment. the most important rules are 15 USC 1672 and 15 USC 1673, which are clarifying that i have to EARN money from employment or retirement. i am neither employed or retired. i have no income, as verified by the social security administration. the state of XXXX  is CLEARLY stating i am employed by the XXXX  XXXX XXXX XXXX, which is FALSE. the demand must be removed because it is based on employment i never had. THEY WERE PROVIDED DOCUMENTATION THAT I AM TOTALLY AND PERMANENTLY XXXX AND UNABLE TO WORK. if it were legal to use my veterans compensation, the state of XXXX  wouldnt have had to create a false job. please remove the demand, because XXXX and XXXX adhered to the law. experian is the only rogue reporting agency allowing this destructive demand to continue on my very clean report. i do not and can not have the money the state is demanding because i do not and can not work. XXXX  specifically targets XXXX persons in orders to create welfare cases for healthy persons under 42 USC 658 ( 4 ) ( D ). this criminal conduct discriminates against the XXXX veterans and deprives them of the extensive protection created by law to defend injured persons. experian has behaved in a criminal manner and should be penalized according to law. i believe the instant remedy is a penalty of {>= $1,000,000} against Experian for refusing to remove the demand, which has been proven to be created through false information.
Product: Credit reporting

I filed Bankruptcy in XX/XX/XXXX and it was discharged back then, but for some reason Equifax decided to update my bankruptcy in XX/XX/XXXX and now I do n't qualify for financing. By law they are not to damage my credit report after a discharged bankruptcy. My loan officer has given me a letter stating this fact of loan denial. I paid the price for my bankruptcy and now they still continue to hurt me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. I have no acknowledgment of applying for these
Product: Credit reporting or other personal consumer reports

This is not the first time I have found inaccurate information on my credit report. The three credit bureaus are required to verify these items. It is unacceptable to report these items as unconfirmed without validating them within the legally mandated time frame. The following incorrect information on my credit report needs to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Attempted to speak with representative in reference to amount and come to an agreement of {$25.00} a month until paid in full. Company would not accept and threatened me with jail.
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 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : # XXXX, Has violated my rights. 15 U.S.C. 1681 section 602 A. states i have the right to privacy. 15 U.S.C. 1681 Section 604 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crime 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.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. In addition, 15 USC 1681 s-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 in accurate.
Product: Debt collection

In XX/XX/2014 I cancelled services with XXXX XXXX and received Confirmation numbers. After services were cancelled XXXX XXXX sent me a collections notice. I contacted them, attempting to reference the confirmation numbers they had given me. The collections officer said the confirmation numbers were useless and that I owed money. Long story short I paid. Now, 3 years later, they have turned me over to collections for a modem I returned. I called the collection agency who referred me back to XXXX XXXX. XXXX XXXX confirmed that the modem was returned and assured me steps were being taken to resolve the collection agency notice. 
I want this company held accountable for their oversights. What good are confirmation numbers if they say they do n't matter? These amounts they hit you for are small enough that it appears they are fraudulently trying to make you tap out to not hurt your credit.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX credit card switched banks to FNBO ( First National Bank Omaha ). The prior rewards feature was {$.00} off per gallon. The new rewards program offered {$.00} off per gallon at the pump. This was advertised prominently as our new card feature and the on XXXX gasoline pumps and receipts. We did not receive the reward with our first transaction on XX/XX/XXXX ( # XXXX ). Calls to FNBO were met with an automated message that the system was down. We put in a written request with FNBO on XX/XX/XXXX and received no response. Our next transaction on XX/XX/XXXX ( # XXXX ) also did not receive the discount. I placed a call on XX/XX/XXXX to FNBO and was told that my account was credited for the XX/XX/XXXX purchase and promised a credit for the XX/XX/XXXX purchase. The CSR was unable to tell me why the credits were not automatically applied. The purchases on XX/XX/XXXX and XXXX received the appropriate credit at the pump. The purchase on XX/XX/XXXX ( # XXXX ) did not receive the {$.00} credit. Upon reviewing the transaction history, it does not show the post dated credits that were promised for the XX/XX/XXXX and XX/XX/XXXX transactions. We're sure if this is a system glitch or if this is a systemic issue. There a most likely quite a few customers who do not review their receipts or take the time to reach out to FNBO for a few dollar discrepancy. It appears FNBO is unaware of this issue or indifferent to it. We would like this remediated for us and other affected consumers.
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 USC 1681. 

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

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.
Product: Credit reporting or other personal consumer reports

Apparently, XXXXXXXX XXXX charged off debt on my credit report. I have reached out to rectify the issue, I sent a letter opting out of all consent. I would like this income removed immediately.
Product: Student loan

This loan is under American Eduction System, under the name of XXXX XXXX or XXXX XXXX for attending XXXX in the XXXX XXXX area in California. We believed this loan was originally for our older son XXXX XXXX, however he attended XXXX XXXX XXXX garduating in XXXX. The loan was issued in XXXX when neither one of them were attending XXXX. We have been trying to get loan history and whos loan this is and have not been given any information. We now believe that we have been paying on this loan for 10 years without actually owing any monies. The reason we have waited to dispute this is beacause we did have 2 kids go to XXXX and we did take loans out for both, however when we took the loan to the kids, we decovered the descrepancies in the loans. All loans for XXXX XXXX started in XXXXXX/XX/XXXXandXX/XX/XXXX, with XXXX XXXX which were sold to XXXX services. XXXX XXXXXX/XX/XXXXStafford XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account NAVIENT XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that NAVIENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.