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

I've sent in documentation to remove fraud alert
Product: Debt collection

Diversified Consultants is reporting a fraudulent account. I'ver never done any business with the debt originator XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I actually have protection under the law that is delivered for me to keep me from misinformation simply being declared on my credit report. At this moment I would like to have a final request for analysis before I talk with my own legal counsel to get information on how to handle incorrect and also unverifiable items that are on-going to be approved as real. Please investigate and consider the following accounts : XXXX XXXX Balance Owed : {$0.00} This account has been paid and the balance is XXXX and yet you are still reporting this account as late which is a clear violation of the Fair Credit Reporting Act. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. I need you to please remove the late payments from this accounts payment history or completely remove the disputed account as soon as possible. 
XXXX XXXX  XXXX Balance Owed : {$1500.00} I have been trying to dispute this account have the payment history corrected and yet you have done nothing. I was never late in paying for this account and the presented late payments in the accounts payment history is erroneous. Please correct the payment history by removing the reported late payments as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$1000.00} This account was not and never late to begin with. You are reporting an incorrect and misleading information on my Credit File and I have been trying to request to you to correct the payment history. I am requesting that you remove the reported late payments on this account and report accurate information only. Under the FCRA Credit Reporting must be accurate.
Product: Debt collection

I have contacted CONNS over 10 times for this matter and spoke with XXXX ( Employee # XXXX ) and have even spoke with XXXX ( Employee # XXXX ) on XX/XX/2018 and XXXX XXXX on XX/XX/2018 at the corporate office that said they would take care of this account # XXXX before.I want to speak to someone within the next 48 hours because this is too XXXX after knowing that I have paid for this account in full. This has stopped me from getting my very first new home with my XXXX child. I have given my now landlord notice to vacate to move out. We will be homeless in less then 15 days. How does it feel to get an approval as a single mother trying to make my XXXX daughter happy and to give her her own room to being denied because of an account that has already been taking care of. Not only that it is paid but it is now showing on your credit report multiple times inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Nelnet XXXX. XXXX XXXX XXXX, NE XXXX 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 : Dept of ED/ Nelnet XXXX Unverified Account
Product: Vehicle loan or lease

XXXX of XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX On XX/XX/2021, I agreed to purchase a car at a price of {$63000.00} at a 5.88 % interest rate. During the signing of the contract in the finance office, the finance officer offered me a lower interest rate if I would purchase a package ( key replacement, gap insurance and Eckbond - all totaling about {$3600.00} ). Thus the payment would be lower since he said he would change the interest to 2.99 % and the payment would be same or lower. 

However, once I went home, one fact that bother me was the fact that the interest rate of 2.99 % was arbitrarily decided by the finance manger at the signing of the contract. This did not seem right. I felt that I qualified for the lower interest rate all along but this was intentionally kept from me during the negotiations, all for the purpose of selling additional package. 

Subsequent communications ( phone and email ) after I discovered that this practice of offering lower interest to sell a " package '' was illegal, the finance manager assured me that he would cancel the " package '' and that I would still receive a interest rate of 2.99 %. However, the price of the car remained the same, with the package still added. The the price of the package ( about {$3600.00} ) was not deducted when I received the first payment invoice. I have email correspondence with the finance manager that states the packages will be cancelled.
Product: Credit reporting or other personal consumer reports

My credit score is going down because of this person who has their credit card on my credit score. 

I don't know who it is. 

Also, I'd like my credit score back to what it's supposed to be.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the following accounts XXXX XXXX and XXXX
Product: Debt collection

debt collection remaining on credit report after 50 days dispute process violation of FDCPA, credit reporting on all XXXX bureau disclosure of verification Delete all collection from all XXXX credit bureau reporting agency
Product: Mortgage

I am trying to have my PMI waived. NewREZ LLC is very deceptive with their practices. It seems the folks that work for them are told to delay this process. This has been going on for a bout 6 months to date. These company needs to be investigated for there practices.
Product: Credit reporting or other personal consumer reports

I have a closed account/CHARGE OFF on my credit report that needs to be removed immediately because it violated my consumer rights XXXX XXXX ACCOUNT NUMBER IS XXXX DATE OPENED XXXX This collection is inconsistent and inaccurate on all 3 credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Original creditor : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several disputes about these inquiries I never authorized. 
these inquiries are Fraudulent on my report. I'm a victim of their inquiries issues. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I wrote a dispute letter to TransUnion to investigate and correct the inaccurate reporting they are reporting on my credit report and they dont fix it. Instead of correcting the inaccuracies theyve been reporting they just changed things into more inaccurate information and has been and still is harming me very much. This goes for XXXX XXXX XXXX XXXX XXXX accounts, XXXX XXXXXXXX accounts, and any other false reportings that they are reporting on my credit report! I disputed back in XXXX of 2024 and still havent had my problems resolved!
Product: Debt collection

CREDIT MANAGEMENT LP has reported a collection of {$100.00} to my XXXX credit report but has never notified me about the debt in anyway. Their " customer service '' is unhelpful and I can not identify this alleged debt.
Product: Debt collection

I signed a lease for XXXX starting XX/XX/XXXX until XX/XX/XXXX. I gave a 60 day notice prior to moving out and not renewing my lease. All of XX/XX/XXXX my account showed no balance due. If I owed, there would have been an eviction notice on my door on the XXXX. I returned my keys Friday XX/XX/XXXX, but because covid restrictions had just been put in place, I was not allowed to enter the office and was told By the manager XXXX to give them to the maintenance guy that was standing in the door way of the office. There were no papers singed and as stated in the lease a final walk-through should have been done together. Then recurved a final notice on XX/XX/XXXX in which stated I did not move out until XX/XX/XXXX. 

( Tried to attach documents but the website seems to not be working, I can email them if needed )
Product: Credit reporting or other personal consumer reports

Equifax is reporting me as an authorized user on an XXXX XXXX that is not mine. I have submitted my police report. I am a victim of identity theft.
Product: Debt collection

Credence Resource Management XXXX has placed a collections account with XXXXXXXX XXXX XXXX on my credit report which is false. I called Credence on Friday, at this point I had no idea what the collections was for or regarding. XX/XX/2023 because they had placed an account with XXXX XXXX on my credit report I explained to Credence representative that I have never had an account with XXXX XXXX, they stated it was from XXXX XXXX, which I also have not had. I asked about correspondence and why I have not received phone call or a bill and they stated they emailed me in XXXX, which, if they did it wasn't on my email. They stated they received the account in XXXXXXXX XXXX XXXX, sent an email in XXXX and placed it n collections on XX/XX/2023. After continuously going back and forth with the supervisor on Friday evening, who was trying to do everything he could to get payment or a small payment and a payment plan he kept telling me if I made a payment it would be off my credit report in 14 days. I knew this was untrue and ended the conversation. I called XXXX XXXX today, XX/XX/2023, to inquire about the collections. The representative took my information, and him and a supervisor looked at history and current accounts and verified I owed nothing and there was no account under my name at all in there records. I now have a collections on my credit report for {$520.00} that has caused my credit score to drop XXXX points in the midst of trying to find a home by XX/XX/XXXX and they check my credit score for approval. Please advise me of any steps I need to take from here and how to remove this from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : These companies are in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s 3 of this title, any Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete this late payment from my consumer report, this agency is in violation of 15 USC 1681.
Product: Student loan

Im trying to get a deferment or forbearance with Discover Student Loans. They provided my with phone numbers that disconnect every time I call them. I have been calling 3-4 times a day since XXXX. When emailed customer service for help, they consistently tell me to call the numbers provided even though I repeatedly tell them I always get disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

illegal Re-Aging With respect to XXXX Visa Account # XXXX. This an account which came with an XXXX  XXXX  XXXX  that helped me pay off the balance during the period of my involuntary unemployment/Disability and the account was closed as of XX/XX/XXXX and the balance was paid off by XXXX  XXXX  XXXX. I am also submitting a XX/XX/XXXX Benefit Activation letter they sent to me for a sister account I had with them, I received similar letter for this particular account as well I respectfully refer you to the Experian credit report of XX/XX/XXXX, Report # XXXX ( Attached here as an Exhibit 1 ) Experian verified and noted that with respect to XXXX Visa Account # XXXXthe Date of Status XX/XX/XXXX. Experian further noted in the aforementioned report : Status : Closed/Never late. This account is scheduled to continue on record until XX/XX/XXXX. Comment Account closed at the consumer request In violation of The Fair Credit Reporting Act ( FCRA ) this same XXXX Visa Account # XXXX with an Experian Date of Status XX/XX/XXXX. Experian further noted in the aforementioned report : Status : Closed/Never late. This account is scheduled to continue on record until XX/XX/XXXX. Comment Account closed at the consumer request With respect to this XXXX Visa Account # XXXX with an Experian Date of Status XX/XX/XXXX. XXXX XXXX has unlawfully re-aged the account and now claimed that same XXXX Visa Account # XXXX belongs to XXXX XXXX falsely fraudulently claimed that it was Charged off by XXXX XXXX effective XX/XX/XXXX, this is not only erroneous but illegal as you know. But has recently claimed it was charged off on XX/XX/XXXX with phony credit/payment that I had not made since XXXX when I left XXXX as the account was closed in XX/XX/XXXX as verified by Experian. 
XXXX XXXX XXXX XXXX XXXX {$1100.00} Closed 69 potentially negative months Account Info Account numberXXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit : {$2500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$1100.00}
Product: Checking or savings account

I had an XXXX XXXX account which was effective for an overseas customer. 
Citizens bank took my account from them and have no capacity for XXXX XXXX accounts. 
For example I have a new card sent to me To activate card I can do one of following 1 Scan QR code to mobile app. That is impossible I can not download app as an overseas customer. App won't allow download. 
2 Use card at Citizens ATM. There is no Citizens ATM in XXXX 3 Call an American phone number to activate Do you know how long I am on phone and the cost is excruciating So the problem gets worse This account does not allow for me to set up debits nor to transfer money into my other accounts. 
My only means of access to my funds is to go to a regular ATM to withdraw and then put it into an active XXXX account The fee for withdrawal is heavy it costs me {$24.00}. This equates to XXXX XXXX Appalling that I pay to withdraw money and that is only means available to me with this account I can only lift out XXXX pounds from account at a time so more that one transaction results in same heavy {$25.00} loss each time I need bank to transfer this account back to XXXX I need them to compensate me for calls and fee payments which I did not have with XXXX I need them to rectify a new card which can not be activated because this bank has now left me not able to use an ATM which was my only means of retrieving my money if a very expensive one
Product: Credit reporting, credit repair services, or other personal consumer reports

here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in XXXX  I see the following accounts 1 - XXXX  XXXX XXXX status closed charge-off {$3100.00} In XXXX  1- XXXX XXXX on D .status closed charge-off {$1400.00} 2-XXXX XXXX XXXX  status closed charge-off {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX Balance Owed : {$14.00} XXXX XXXX Balance Owed : {$46.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$2000.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$1600.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$5700.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance Owed : {$1900.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$1800.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$4300.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$740.00} DEPT OF EDUCATIONXXXX XXXXXXXX Balance Owed : {$200.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$2500.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$980.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$1900.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance Owed : {$1900.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$1900.00} DEPT OF EDUCATION/XXXX XXXX Balance Owed : {$3600.00}. In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct the inaccurate items information as quickly as possible.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX, Account # XXXX, and XXXX XXXX XXXX, Account # XXXX